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Your Cat, Your Life
The Scoop
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Your cat loves a clean toilet -- don't we all? Catster's singing Cat Lady, Sarah Donner, explains why.
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Nov. 2, 2013
Recap | Stats | Quotes | Photo Gallery
TENNESSEE TIDBITS Tennessee's all-time record now stands at 803-359-53.
On this date, Tennessee is 11-4
The Vols are now 0-1 in their first appearance in Columbia.
Butch Jones is 4-5 at Tennessee and owns a career record of 54-32.
Tennessee is 4-5 in coin tosses this season after losing today's flip.
UT is 2-3 when winning the coin flip and 2-2 when losing the toss.
Today's attendance was 65,869
TENNESSEE CAPTAINS #20 Rajion Neal, #41 Dontavis Sapp, #45 A.J. Johnson and #72 Zach Fulton represented the Vols for the pregame coin toss.
VOL FIRSTS JaRon Toney made his fourth start of the season at nickle on defense.
Tino Thomas was out on special teams for the Vols on the opening kickoff, the 28th Vol to debut this season, the ninth redshirt freshman and the 24th freshman overall.
Johnathon Johnson made his first career start at wide receiver while Joshua Dobbs became just the eighth true freshman to start at quarterback in Tennessee history.
With Dobbs starting at quarterback, Tennessee became the eighth team in FBS football to start three or more quarterbacks this season.
DOBBS' DEBUT Joshua Dobbs made his first career start at Missouri on Saturday night.
Dobbs finished the night with 26-of-42 passing for 240 yards while also rushing for 45 yards on seven carries.
One of Dobbs' rushes went for 33 yards down the far side of the field, the longest by a Tennessee true quarterback this season and longest since Tee Martin rushed for 38 yards vs. Notre Dame on Nov. 6, 1999. A game UT won 38-14.
Dobbs' 26 completions were the most by a true freshman in his first start in Tennessee history besting Tyler Bray's 18 vs. Memphis in 2010.
His 42 attempts were the most by a true freshman in his debut besting Erik Ainge's 35 vs. Auburn in 2004.
PIG REELS EM IN Sophomore WR Pig Howard caught 11 passes on the night for the Vols for 89
His 11 catches were a career high, besting his eight against South Carolina earlier this season (Oct. 19)
Howard became the first Vol since Mychal Rivera to have 10 catches in a game. Rivera achieved the feat last season against Missouri (Nov. 10, 2012 in a 4OT game, 10 rec. 129 yds. 1 TD)
Howard's 11 catches were the most since Kelley Washington had 11 vs. LSU on Sept. 29, 2001. The 11 catches, tied for the fifth-most in a game in Tennessee history.
AMAZING A.J. Linebacker A.J. Johnson recorded 11 tackles against Missouri Saturday.
Five of Johnson's tackles vs. Bama were assists, running his career total to 155, fourth all-time.
The 11 tackle effort marked Johnson's 17th career double-digit tackle game and his fourth of the season. With his 10 tackle effort last week against Alabama, it marked the first time this season that Johnson has had back-to-back 10 tackle games.
PALARDY HANDLING ALL OF THE CHORES Senior Michael Palardy continues to handle all of Tennessee's punting and kicking chores.
Palardy got the Vols on the scoreboard for the first time of the day with a 51-yard field goal in the second quarter.
The senior now is 10-of-12 on the season and 33-of-44 in his career for field goals.
In PATs, Palardy was one of one on the day, improving to 28 of 28 this season and 103 of 108 for his career.
On seven punts, Palardy averaged 42.7 yards per attempt and placed three inside the 20.
Palardy now has 12 punts of 50 yards or more this season
12 of Palardy's punts have now landed inside the 10-yard line, 23 inside the 20 yard line.
DEVRIN RETURNS IT Devrin Young finished the day against Missouri with four kick returns for 90 yards.
With a 29-yard return in the second quarter, Young went over 1,000 kick return yards in his Tennessee career.
UT Career Kickoff Return Yards
Player Yards Years
1. Willie Gault 1,854 1979-82
6. Dale Carter 1,130 1990-91
7. Devrin Young 1,077 2011-pres.
8. Gary Moore 996 1977-79
ODDS & ENDS The three points scored by the Vols were the fewest since tallying three agianst South Carolina in a 14-3 loss on Oct. 29, 2011.

subset: commoncrawl


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VTech Splash & Sing Bath Book
Item No.1710109779
Item No.1710109779
Splish, splash, bath time can now also be reading time! This interactive and fully waterproof bath book features 3 soft and pliable pages that are easy to wipe clean, your baby will feel at ease turning and touching them. Within each page are buttons that trigger great sing-along songs and sounds that will help your baby discover more about early bathing experiences and to learn about numbers 1-5. Pressing the engaging light-up music button on the book spine will play exciting melodies that can be sung by the duck or monkey. Bath time is lots of fun!
Sunday to Friday - order by 9pm
Saturday - order by 6pm
Monday to Sunday - order by midnight
Orders over £20 - FREE
Orders under £20 - £2
Show full delivery details
Subject to exceptions, Debenhams is happy to exchange or refund your purchase within 28 days of delivery. Please check here for more details on our returns policy and exceptions.
From 1st July 2007, all retailers of electrical goods must comply with the Waste Electrical and Electronic Equipment (WEEE) legislation.
This is a scheme to prevent all such waste being disposed of in general landfill sites and to promote recycling of components and materials. The legislation aims to minimise the impact of electrical and electronic equipment on the environment by creating products with recycling in mind and encouraging reuse, recycling, and recovery of WEEE.
How do I know what product is "WEEE"? The definition of a WEEE product is one whose primary function is dependent on electrical currents to carry out the main function, e.g. a toaster. However, some product, such as a child's soft toy with an electric circuit, is not classed as WEEE as its primary function is a toy. For further details on product definitions, please click here.
You may also take the item(s) to your local authority Civic Amenity Site if this is more convenient.
Open a Debenhams Credit Card today and receive:
Please note: if the amount you pay on your card is less than £500 after the 10% discount is applied, the 0% interest offer will not be available.
Credit available from NewDay Ltd to over 18s only
*Terms & Conditions apply.Find out more & apply now


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What is the Hawk Alert System?
The Hawk Alert System notifies the campus community of threats to physical safety in emergency situations: tornado, violence, hazardous material incident, etc.
Notification is by mobile phone (including text messaging), landline phone, TTY phone (for the hearing-impaired), and/or e-mail, as well as via posts to the university's Facebook and Twitter accounts and emergency information website at emergency.uiowa.edu. In conjunction with the Hawk Alert System, the UI Department of Public Safety has installed a series of notification towers equipped with sirens and voice alert systems that also will help ensure that those on campus hear certain types of alerts (such as tornado warnings).
When entering data for use by the Hawk Alert System, may I include contact information for a spouse or significant other, or parent(s), so that they'll be alerted during emergencies?
No. We ask that you include only your own contact information for Hawk Alerts (UI students and employees, not friends and relatives). The notifications are intended for members of the university community for emergencies on or near campus, and including other individuals has the potential to slow down the notification process.
What is the best way to receive Hawk Alert messages?
Text messaging is the preferred method as it is the fastest and most reliable.
What phone number and email address will Hawk Alerts come from?
Hawk Alerts come from these numbers and addresses.
Telphone: 319-335-5911
Text (SMS): 67283 or 226787
email display name = UIowa Hawk Alert
email id = email@example.com
How long does it take to get notified?
The Hawk Alert system typically makes notifications within 15 minutes, although there are variables that can increase the delivery time.
Why doesn't everyone get notified?
A Hawk Alert typically reaches 90% of the approximately 50,000 individuals and classrooms on campus. The system is unable to reach 100% of individuals on the list because in some cases recipients may not have updated their contact information when it changed, or may not answer the Hawk Alert phone call.
Who is responsible for declaring an emergency and sending out a Hawk Alert?
The UI Department of Public Safety usually will initiate emergency notifications except for winter weather-related class cancellation notifications, which are initiated by the Office of Strategic Communication in consultation with the Vice President for Student Life. The Office of the President also has the authority and ability to initiate Hawk Alerts.
If you have an emergency or encounter an emergency situation on campus, you should immediately call 911.
After a Hawk Alert is issued, where can I find more details about the emergency?
The university's emergency information website at emergency.uiowa.edu and the UI homepage at www.uiowa.edu will have the most up-to-date information available.
What action should I take if I do receive a Hawk Alert?
Depending on the nature of the emergency situation and details available at the time, the initial Hawk Alert may or may not include instructions on how recipients should respond. It's best to think of the Hawk Alert as a kind of flare gun to alert students, faculty, and staff that a potentially dangerous situation has occurred, or is occurring, and what the nature of the emergency is.
More detailed information will be posted, as it becomes available, on the university's emergency information website at emergency.uiowa.edu. But students, faculty, and staff are also encouraged to use common sense and tune in to local media broadcasts for updated and more detailed information.


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Lacrosse news straight to your inbox.
Monday July 23rd, 2012 5:15pm
For the second straight year and in front of 5,100 fans , the Lambert Longhorns turned back the Pope Greyhounds to earn the Georgia A-AAAA State title.
The Longhorns were led on the score sheet by senior Cory Phillips netting three goals (38, 39, 40) and three goals from junior Matt Geran (46, 47, 48). Junior Peyton Smith scored two goals and seniors Brady Wilson and Ted Ryan each scored one each in the Championship tilt. In goal, Lambert senior Alec McNamara had 8 saves in the game.
With the victory, the Longhorns ran their unbeaten streak to 42 games dating back to February 2011. This 42 game winning streak also happens to be the nation's longest active Varsity winning streak. Along the way, the Longhorns defeated several former or current State Champions in Georgia, Missouri, Tennessee and Texas. Earlier this season, Lambert defeated the reigning AAAAA Georgia State Champion, Milton Eagles 10-5.
The 2012 version of the Longhorns have six All State and three All American selections on the roster. In addition, the senior class alone has four Division 1 commits and two Division 3 commits. The Longhorns averaged 13.03 goals for versus allowing an average of 3.64 goals against.
Lambert is coached by Josh Sagel and former Navy All American Rich Wehman.


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By using Digital Scout apps for Football, Volleyball and Basketball teams (more sports coming soon) during games this season, you'll provide fans with the ability to view Live Gamecasts for your team. These live gamecasts will be available on stats.digitalscout.com.
Gamecasts contains live play-by-play action, detailed box score stats, and other sport-specific content for your team. These games are available only through subscription - so when your fans purchase a subscription - your school will earn 50% of the net proceeds!
Important Subscription Information:
You will need a subscription to view LIVE Gamecasts. All post-game box score data will remain FREE.
All subscriptions purchased to view your school's Gamecast will result in a portion of the fee going back to the school.
- Post-game stats and box scores will be available for free after the conclusion of the live game.
For quick info on the new Live Gamecast Subscriptions, click here: Gamecast FAQ
*Digital Scout stat tracking apps are free of charge for all coaches. You'll continue to have access to in-depth reports and live stat tracking with our mobile apps.


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Allissa's Cake
8" & 6" WVSC with Creme Bouquet (first time using CB) covered with BCD using Sweetex for the first time. I really liked it, but now I can't get it during the summer months...UGH!! Choco Pan Gerbera Daisy (first time using daisy cutter) accents. Not pleased with the way ChocoPan doesn't harden. I still love the way the cake turned out. TFL!! Gotta love CC
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Today's Hours: 10AM – 5PM
General Inquiries:
Tel: 404-733-4585
Fax: 404-733-4529
Marci Tate Davis
Manager of Public Relations
Tel: 404-733-4585
ATLANTA, June 17, 2008 – In its 16th year, the 2008 High Museum Atlanta Wine Auction reached a Live Auction total of more than $1.5 million. Silent auctions on Friday and Saturday and a Paddle Raise during the live auction brought the total to over $1.76 million in auction sales. The auction total along with event ticket sales brought the net profit for the 2008 Wine Auction to $2.1 million, marking only the second time in its history to have raised over $2 million. Proceeds from the auction are a vital part of the Museum's acquisition, exhibition and educational programming funds. The dates for the 17th annual High Museum Atlanta Wine Auction are March 26–28, 2009.
The High Museum Atlanta Wine Auction celebrated its anniversary in 2008 with the theme "The Sensational Sixteenth High Museum Atlanta Wine Auction: How Sweet It Is!" Organized by volunteer co-chairs Liz Lazarus and Joan Marmo, the auction events were held in Atlantic Station under festive big-top tents decorated with the colors of lipstick red and chocolate brown.
More than 250 live- and silent-auction lots offered exclusive opportunities to taste, tour and visit with more than 85 vintners from the world's premier wine regions, including California, Oregon, Washington, France, Australia, Argentina and South Africa, as well as the chance to purchase cult wines, rare vintages and large-format bottles. Celebrated Burgundy vintner Alex Gambal and California Central Coast winemaker Joseph Davis were the auction's Special Guests of Honor. Teaming up to wield the gavel for Saturday's live auction were esteemed wine auctioneers Michael Davis and Leah Hammer of Hart Davis Hart Wine Co., Chicago.
The 3rd annual Paddle Raise was held in support of youth education at the High, including programs such as the "I See Literacy/I See History" project, Summer Teacher Institute and the Atlanta Public Schools After-School Project. This year's Paddle Raise allowed bidders to contribute to the fund from $500 to $10,000 each, with the total reaching $100,000.
The highest single auction bid of the day was $85,000 for a Girls' Trip to Napa Valley including private jet travel and a stay at the Meadowood resort. Another record-breaking sale came when a "Puttin' on the Hog" party for 30 people with Linton Hopkins, of both Restaurant Eugene and Holeman and Finch Public House, and a special cuvée by Tuck Beckstoffer, of 75 Wine Co., sold three times for a total of $92,000. In the most moving bid of the day, an extraordinary collection of 50 bottles of wine sold for $65,000 in memory of longtime auction supporter Taylor Stuckey.
The 16th annual festivities commenced on Wednesday, March 26, with the Artist's Dinner, and continued on Thursday with the sold-out Winemaker Dinners and a Trade Tasting. Friday featured premiere Tasting Seminars and the Gala Dinner leading up to the grand Vintners' Reception and the Live Auction on Saturday, March 29. More than 85 distinguished wineries and 37 of Atlanta's finest chefs were represented at the Vintners' Reception to the sold-out crowd of 900 food- and wine-lovers. On Friday evening, Gala Dinner guests dined on a menu from Southern Foodways Alliance star chefs Gerry Klaskala and Kathryn King of Atlanta's Aria; Hugh Acheson of Five & Ten and The National in Athens, Georgia; Mike Lata of FIG in Charleston, South Carolina; and Todd Richards of The Oakroom in Louisville, Kentucky, with dinner presented by A Legendary Event. Austin Hope, winemaker for his family's Treana Winery and for his own Austin Hope Winery, served as the Special Guest for The Big Finish on Saturday evening.
Turner Broadcasting System, Inc. was Presenting Sponsor for the fourth year. Premier Sponsors included Atlanta Homes and Lifestyles magazine, Geographics, Wachovia Wealth Management, KPMG, Montaluce and The Streets of Buckhead/Ben Carter Properties. Delta Air Lines was the Official Airline Sponsor, and Atlanta Area Lexus Dealers were the Official Automotive Sponsor. Atlantic Station was Site Sponsor for the third year, and other sponsors included A Legendary Event, Arnall Golden Gregory Private Wealth Group, Callaway Gardens, The Coca-Cola Company and Evian, Four Seasons Hotel Atlanta, Holder Construction Company, Novare Group-The Atlantic, Philips Consumer Lifestyle, Sherlock's Wine Merchant, TwinEngines and Wilmington Trust. The Big Finish was sponsored by Skirt! magazine. Media partners included Flavors and Restaurant Forum magazines.
The Wine Auction is the single largest fundraising event held annually for the High Museum of Art. One of the top charity fundraising events in Atlanta and the largest charity wine auction in the U.S. benefiting the arts, it was named number five in a national ranking of the Top 10 charity wine auctions in the United States by Wine Spectator magazine in their March 31, 2008, issue. Proceeds from the Auction are a vital part of the Museum's acquisition, exhibition and education plans.
High Museum of Art
Founded in 1905 as the Atlanta Art Association, the High Museum of Art is the leading art museum in the southeastern United States. With over 11,000 works of art in its permanent collection, the High Museum of Art has an extensive anthology of 19th- and 20th-century American and decorative art; significant holdings of European paintings; a growing collection of African American art; and burgeoning collections of modern and contemporary art, photography and African art. As the leading museum in the Southeast, the High is dedicated to supporting and collecting works by Southern artists and is distinguished as the only major museum in North America to have a curatorial department specifically devoted to the field of folk and self-taught art. In November 2005, the High opened three new buildings by architect Renzo Piano that more than doubled the Museum's size, creating a vibrant "village for the arts" at the Woodruff Arts Center in midtown Atlanta. For more information about the High, please visit www.High.org.
The Woodruff Arts Center
The Woodruff Arts Center is ranked among the top four arts centers in the nation. A not-for-profit center for performing and visual arts, its campus comprises the Alliance Theatre, the Atlanta Symphony Orchestra, the High Museum of Art, Young Audiences and the 14th Street Playhouse.
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Lexar 16GB JumpDrive M20. Capacity: 16 GB, USB version: USB 3.0 (3.1 Gen 1), USB connector: Type-A. Form factor: Slide, Colour of product: Blue, White. Package type: Blister
- Transfers files between mobile devices without cables or Wi-Fi.- Designed for use with On-The-Go (OTG)-enabled Android™ tablets and smartphones.- USB 3.0 performance (up to 120MB/s read and 55MB/s write).- Retractable 2-in-1 design with a micro-USB and USB 3.0 connector.- Works with ASTRO File Manager (download at Google Play™ store).- Compatible with both PC and Mac® systems.- Backwards compatible with USB 2.0 devices.Easily transfer files between devicesQuickly and easily transfer and share photos, music, videos, and files between your Android™ tablet, smartphone, or computer with the Lexar® JumpDrive® M20 Mobile USB 3.0 flash drive.Convenient, reliable portable storageTransfer and share files between your Android tablet and smartphone without cables or Wi-Fi. No more searching for hotspots, draining your data plan, or toting clumsy cables with you on the go. The Lexar JumpDrive M20 Mobile USB 3.0 flash drive lets you move files between your On-The-Go (OTG)-enabled Android devices, or from device to computer—no data connection or power required.Store and share content faster. The drive leverages USB 3.0 performance with up to 120MB/s read transfer speeds. You can quickly transfer a 3GB HD video clip in less than one minute—compared to the 4 minutes it takes using a standard USB 2.0 drive. And for added versatility, the drive is also backwards compatible with USB 2.0 devices.Increase storage and back up files. With capacities from 16GB to 64GB, the drive also lets you offload lots of content from your tablet or smartphone to create more room, and also provides a great way to back up files. You can also download a file management app like ASTRO File Manager from the Google Play™ store to quickly and easily manage files from the cloud and mobile devices.Enjoy easy connectivity. Faster and more convenient than using Wi-Fi or data connectivity, the USB On-The-Go capabilities of the high-performance Lexar JumpDrive M20 Mobile allow you to easily transfer, store, and swap files between your tablet and smartphone for ultimate convenience, wherever you may be.Convenient portability with retractable design. This 2-in-1 drive sports a thumb slide design, with a connector on each end—micro-USB and USB 3.0—that both retract. This makes it easy to carry and means there are no caps to lose.Lexar performance, quality, compatibility, and reliability. All Lexar memory card, card reader, and USB flash drive product designs undergo extensive testing in the Lexar Quality Labs, facilities with more than 1,100 digital devices, to ensure performance, quality, compatibility, and reliability. This provides customers with a high level of confidence when using Lexar products to capture, manage, move, and store the memories that matter.


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NASHVILLE, Tenn. – (September 26, 2016) – Critically acclaimed singer/songwriter William Michael Morgan fulfilled a lifelong dream last night, sharing the stage with music icon Garth Brooks. Morgan thrilled fans as a surprise opener during the final night of "The Garth Brooks World Tour" three- Read More
NASHVILLE, Tenn. – (September 14, 2016) Platinum-selling recording artist and CMA New Artist of the Year nominee Cole Swindell celebrated another milestone in Nashville yesterday with his co-writers for three of his five record breaking hits with a Triple No. 1 Music Row Pub crawl. Media and Read More
NASHVILLE, TN – (September 13, 2016) – Warner Bros. Records/Warner Music Nashville country artist Chris Janson will be joining Luke Bryan for the second consecutive year on his eighth annual "Bayer Presents Luke Bryan Farm Tour 2016." Kicking off Oct. 5, Janson will join Granger Smith, Jon Read More
NASHVILLE, TN – (September 9, 2016) – Brett Eldredge is ready to spread the joy of Christmas with his new album, Glow, set to release this October. Glow showcases Eldredge's powerful vocals on timeless Christmas standards and will feature a special duet with the 2016 GRAMMY winner for Best New Read More
NASHVILLE, Tenn. – (September 1, 2016) – William Michael Morgan notched his first Top 10 on country airplay this week with his debut single "I Met a Girl." The single, which continues to climb the airplay charts, already topped SiriusXM's "The Highway" Top 45 Countdown and will be featured on Read More
Be sure to check out Blake Shelton's Late Night With Seth Meyers appearance and performance tonight at 12:30am/11:30c on NBC, and then catch him tomorrow morning on the TODAY summer concert series starting at 7:00am.
Be sure to catch Brett Eldredge co-host CMA Music Festival: Country's Night to Rock tonight at 8pm/7c on ABC. The special will also feature artists including Blake Shelton, Cole Swindell and Chris Janson.
NASHVILLE, TN – (August 1, 2016) – RaeLynn taps into country music's emotional core with her debut Warner Bros. Records/Warner Music Nashville single"Love Triangle," one of this week's most added singles at country radio. With co-writers Nicolle Galyon and Jimmy Robbins, RaeLynn shares her own Read More
Historic Ballpark Is Setting for Unprecedented Filming & Debut
NASHVILLE, TN – (June 22, 2016 – Brett Eldredge can visualize the music video for every song he writes, and he knew in the instant he completed writing "Wanna Be That Song," it needed an epic video. So the Read More
NASHVILLE, TN - (June 21, 2016) – Recently named one of Rolling Stone's Country Artists You Should Know, Warner Bros. Records/Warner Music Nashville's The Last Bandoleros became the most added new artist at country radio this week with their debut single "Where Do You Go?" If you didn't get a Read More


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Fancy Insert provides a more user friendly interface for inserting images into specific positions within node content.
Fancy Insert converts the cck imagefield widget into a draggable floating box which is positioned above the text area. By clicking on an image, the image is inserted into the text area at the position of the cursor.
This functionality is useful when creating content with many images and text.
Dependencies for 6.x
Recommended modules (but not required) for 6.x
Dependencies for 7.x
The Fancy Insert module can be configured per imagefield. Go to Administration -> Content Management -> Content Types and click on "Manage Fields" of your Content type. Then edit the settings of the image field that you want to configure. And finally enable fancy insert by clicking on: "Enable fancy insert widget".
At this moment there are some bugs with the 6.x branch in different browsers. It works pretty good in Firefox and Opera, but other browsers have some specific bugs. Patches are welcome.
The 7.x branch uses Jquery 1.4 and which make this module compatible with more browsers. Currently Fancy Insert 7.x works with Firefox 3, Chrome/Chromium, Safari, Opera 9 and Internet Explorer 8 (This module doesn't work in IE 7 and IE 6)
Project Information
- Maintenance status: Actively maintained
- Development status: Under active development
- Module categories: File Management, JavaScript Utilities, Utility
- Reported installs: 348 sites currently report using this module. View usage statistics.
- Downloads: 3,356
- Last modified: 2 December 2014
- Stable releases for this project are covered by the security advisory policy.
Look for the shield icon below.
|tar.gz (9.41 KB) | zip (10.27 KB)


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"I have been a loyal customer..it has been a 10 year relationship now. Thank you Jerry's!"
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"Jerry's carries all the paper I need for my watercolor. I get what I need at the lowest prices"
"I'm grateful for the high-quality resources that Jerry's provides"
When we first looked at this easel we almost thought it was a joke. In front of us where two pieces of wood 12" long with a notch cut out at an angle. It also said patent pending and we thought what can you possibly do with these. Then we took a 24×24" The Edge 3/4" stretched canvas and placed it in the right and left easel section. We were truly amazed. It actually supported the canvas very well. An unlikely design that now had important implications.
Not only can you use the Overby as great table easel anywhere; but it is also fantastic for display of "edge to edge" paintings and can be a great choice for easels for kids. The rubber pads at the base really kept this easel in place and even firm brush strokes could be made as solidly as with other tabletop easels.
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Room To Grow
Your idea is panning out, you've snagged office space and maybe even a customer or two. With so much going on, it's tempting to make quick and dirty work of incorporating your new venture. But how you set up your business, or restructure a company on a growth jag, can make a big difference. The wrong structure can cost you money and leave you with just the type of legal and administrative hassles you want to avoid.
Entrepreneurs have many choices of ownership structures, from the most simple (sole proprietorships) to the most complex (corporations). Between them are limited liability companies, as well as less common permutations particular to certain industries. Real estate investors often favor limited partnerships, while limited liability partnerships are common in medicine, law, and accounting. Many companies migrate as they grow, starting as sole proprietorships, becoming LLCs when concerns about liability arise, and transforming into corporations when profits are steadily growing.
When choosing the right structure, your company's stage of development is important. But so are taxes, administrative tasks, plans for raising capital, and, crucially, the risks in your particular business. "This is not the fun part—identifying what can go wrong," says Judy Gedge, a small business attorney in West Hartford, Conn. You'll want to choose a structure that gives you the protection you need, but with as few rules as possible. Entrepreneurs should move up the complexity chain only if and when it is necessary. Each step up means more requirements and more paperwork, and although adopting a more complex form is easy, you may get hit with a tax bill if you change back to a simpler structure. "You should not adopt a form unless you have a specific need," says Anthony Mancuso, author of LLC or Corporation? How to Choose the Right Form for Your Business. "It's best to start simple and adopt more complicated structures for specific legal or tax reasons."
Sole proprietorships and general partnerships are the easiest way to go. There are no legal filings or fees, and no restrictions. And they're a breeze at tax time. All profits and losses pass through the business to the owners, who report them as income or losses on Schedule C of their personal income taxes. On the downside, you're not going to get much protection if your business gets slapped with a lawsuit or goes belly-up. Creditors can come after your personal assets to satisfy business-related claims.
But if you have little chance of being sued because you don't have employees, you have little contact with the public, or your business doesn't need to take on debt, a simple structure may be all that you need. "Many, many businesses start as a sole proprietorship or partnership, and in general, that's fine for most," says Mancuso.
Entrepreneurs with substantial personal assets should consider a limited liability corporation. LLCs combine the protection of a corporation with a sole proprietorship's pass-through taxation, with the business' gains and losses reflected on the owners' tax returns. Owners draw up the LLC's operating agreement themselves, deciding such things as how to divide profits and who will manage the firm. "The nice thing about LLCs is that they are like clay. They're very flexible," says Ken Gaebler, president of Gaebler Ventures, a small business incubator and private equity firm in Chicago.
But the LLC itself is not a taxable entity, so its owners bear the full burden of employment or payroll taxes, which total about 15% for each individual. (Recent tax law changes, however, allow LLCs to choose to be taxed as either S or C corporations). And because LLCs became popular only in the last decade or so, there isn't as much case law concerning liability issues. That doesn't worry Michael Pritz and his business partner Bruce Harrison, who in 2006 set up their telecommunications consulting and advisory services company, JRP Partners, as an LLC. "We wanted protection and simplicity of structure given the size of the firm," says Pritz, who is general partner of the Chicago company, which works with independent contractors and does not have employees. "We don't want to spend time talking about inane stuff like payroll services. You want the time to be extremely focused on activities that move the business along."
Another benefit, says Christopher Hughes, is credibility. He registered Hughes Settlement Services, which sells fixed income annuities, when he started the Simsbury (Conn.) company last May. "A lot of the companies I deal with require that I have a federal tax ID number, which means my business is incorporated," he says. "Establishing credibility with corporate clients is important. I can't be just 'Chris Hughes, sole proprietor.'"
An S corporation will give you the same liability protection as an LLC. But in an S corp, only the owner's salary is subject to employment taxes. Business profits are subject only to income tax. "If you have substantial income in your business, there are significant tax savings by being an S corporation," says Alan Yates, a senior tax partner at Nussbaum Yates Berg Klein & Wolpow, an accounting firm in Melville, N.Y. "Anytime you are going to make over $100,000, you should calculate your taxes and see if you can save by electing S corp status."
Those benefits do come with more rules. S corps must have a board of directors and annual meetings, and require owners to establish salaries for themselves. And the IRS has stepped up audits of S corps to ensure that owners are not trying to sidestep employment taxes by paying themselves too low a wage. "Set a reasonable salary," says Chris O'Keeffe, a certified public accountant in Richmond, Va. "I cannot stress that enough." An S corp's profits and losses must be allocated in proportion to each shareholder's capital contribution, making it tough to award profits to shareholders who have brought in a lot of business or otherwise been valuable, notes Conrad Davis, a CPA and partner at Ueltzen & Co. in Sacramento, Calif. And some jurisdictions, including six states, don't recognize S corporations for tax purposes, treating them like regular C corporations, taxing them at both the corporate and shareholder level.
Kathy Colby, president and owner of Financial Independents, a three-employee, $500,000 registered investment adviser in Lansing, Mich., chose to become an S corp so she could control her own wages and, consequently, employment taxes. She estimates she pays about $5,000 to $6,000 less in taxes each year than she would with an LLC. But the structure has been less appealing for her other business, Advisor Tools, a retirement planning software company she co-founded with her mother. Last year, Colby could deduct only half of that business' losses on her income taxes because they have to be divided equally with her co-owner. "You have to share the losses, and you can't monkey with the ratio," she says.
If your new business needs to accumulate capital for inventory or equipment, or to finance other growth, a C corporation may be a good bet. That's because C corps have lower tax rates than LLCs for the first $50,000 to $75,000 of profits. C corps also have the upper hand on S corporations because they allow different classes of stock for passive and active investors.
Although a C corp's profits are taxed twice, its income is taxed at lower rates than individual income: 15% on the first $50,000, 25% between $50,001 and $75,000, and 34% between $75,001 and $100,000.
C corporations also are good for companies looking to attract venture capital or other equity investments. That was why Ken Gaebler spun out a division of his LLC to create Walker Sands Communications, a $1.5 million marketing consulting firm, as a C corp in April, 2007. "If you're raising money, you need to give investors what they're most comfortable with, and that's equity in a C corporation," he says. Gaebler also wants to offer equity to his 15 employees and perhaps merge the company with another company in the future. Says Gaebler: "All of those goals screamed for a different corporate format than an LLC."
The biggest downside of an C corp, aside from the double taxation, is that assets will be taxed twice if you sell the company. That's an important consideration for businesses that own real estate, copyrights, or other assets that are expected to appreciate significantly, notes CPA Davis. One way around the double whammy is to sell stock in the corporation, but buyers may balk because they will lose the ability to revalue assets based on current prices.
John Gazzola isn't too worried about taxes because he expects to reinvest most of his new company's profits in his business. But the founder of Toyopolis, which will sell toys, games, and collectibles online, is very concerned about liability. So he registered his Vernon (Conn.) venture as a C corp. Even though experts say that's probably not strictly necessary, Gazzola had found another valid way to choose a structure for his company: the one that gives him peace of mind.
By Virginia Munger Kahn


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Franchise News Release: Ann Arbor, MI - (Sep-29-2008)
`Cocooning Effect' Drives Record Growth of Mr. Handyman Franchise
As more homeowners decide to stay put in the sluggish real estate market, the demand for Home Improvement services are experiencing greater demand than ever. That "cocooning effect" – consumers deciding to fix up their current homes versus upsizing to new homes – has contributed to record growth of Mr. Handyman, which announced today its newest Atlanta location marks the 300th Franchise territory milestone.
"In the current economy, an increasing number of homeowners are deciding to invest in minor repairs and maintenance, versus large scale remodeling projects or buying a new home," said Todd Recknagel, president and CEO of Mr. Handyman, the nation's leading full-service home repair and maintenance franchise and the No. 1 employer of handymen worldwide. "More people are in the 'Do-It-For-Me' market rather than the 'Do-It-Yourself market. This new generation struggles with home repair, and Mr. Handyman continues to help them shrink those nagging To-Do Lists on their refrigerator."
With 75 percent of American homes over 25 years old, Mr. Handyman is growing to meet the needs of its customers in the $100 billion home service industry. For the past three years, the company has opened a new franchise every week, and plans to reach at least 350 locations by the end of the year through franchise expansion. Currently, Mr. Handyman is seeking franchise owners for available territories in St. Louis, Atlanta, Miami, Salt Lake City, Phoenix, San Antonio and Kansas City to continually fill the need for professional and reliable handyman services across the country.
After system-wide revenues exceeded $63 million in 2007, Mr. Handyman expects to reach $75 million by the end of this year. That goal appears realistic, given U.S. Census Bureau data showing that six out of 10 homeowners have home improvement lists and most Americans have an eye on seven or more projects at any given time.
To accompany Mr. Handyman's domestic growth, the franchise already has locations throughout Canada and has exported the brand overseas to begin expanding internationally. China was one of the first countries that were awarded a master franchise. There is a demand in the Chinese market for U.S. brands and Mr. Handyman provides a service that is necessary across geographical and cultural borders. Mr. Handyman plans to expand in at least nine other countries in the next three years.
In addition, keeping up with the green trend, Mr. Handyman recently launched a campaign that provides eco-friendly and energy-saving tips to regular customers. The company has also contracted with TV celebrity Richard Karn, Al Borland from ABC's Home Improvement, as the company spokesperson to assist in the energy-savings effort.
About Mr. Handyman
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All Mr. Handyman News
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Archive for October, 2012
A Guide to Steve Delabar and The Steve Delabar Story3
When the Blue Jays traded Eric Thames for relief pitcher Steve Delabar midseason I had little to no knowledge of who he was or what he could do. To me Delabar seemed like any other relief pitcher, but as time wore on I found him to be quite a tantalizing and fascinating player. He is 6 foot 5 and 220 lbs, he's a relief pitcher, and the inside of his elbow looks like this. The reinforcement of Delabar's elbow as seen in the picture was the result of multiple elbow injuries from Delabar's 6 year minor league career that included stints in loA and hiA as well as Independent ball.
Following his last stint with the Brockton Sox of the Can-Am League Delabar called it quits and moved on to pursue other things in life. As Geoff Baker wrote for the Seattle Times back in September Delabar went on to substitute teach and coach at the high school his wife taught at in Elizabethtown, Kentucky. All was well, until one day a friend of Delabar's who owned an indoor pitching facility brought in a new throwing program that was intended to be used to prevent injuries to the throwing arm, but instead it produced higher throwing velocities in it's participants. Delabar was among the greatest beneficiaries of this program, according to their site he experienced a 10 MPH increase in velocity.
Shortly thereafter Delabar was scouted by the Mariners, which eventually resulted in him being signed to a minor league contract midway through the 2011 season. In April of that year Delabar was out of baseball and living in Kentucky. In June of that year Delabar was pitching for the High Desert Mavericks in the HiA California League. In September of that year Delabar was striking out major league hitters with 95 MPH fastballs…okay the Royals, but still.
For a pitcher who had a career 4.27 ERA in the minors prior to 2011 that was quite a remarkable turnaround, but that alone is not what makes Delabar so interesting. Beyond his story Delabar has displayed some remarkable skills and has proved to be quite the effective reliever.
The three pitches in Delabar's repertoire include a mid 90s fastball, a high 80s splitter, and a slider that he throws against right handers every once in a while. He rarely pitches backwards and he's generally consistent in his approach that sees him set up with the fastball and finish with the splitter.
The incredible thing about Delabar is the location he's shown with the splitter; he's able to throw the it down and away with ease to both sides of the plate. A prime example came when Delabar was sent in to pitch the 10th inning against the White Sox and struck out 4 batters, the most strikeouts by any pitcher in a single extra inning. Greg Wisniewski of Infield Fly had a great post breaking down the four at bat sequence in it's entirety. In order Delabar struck out Dayan Viciedo, Tyler Flowers, Gordon Beckham, and Alejandro De Aza all strikeouts coming on the splitter.
In terms of overall results in 66.0 innings in 2012 Delabar had 92 K's, good for a 32.8 K%, which ranked him 6th among relievers with at least 60 IP. Of those 92 strikeouts, 56 came on Delabar's splitter a number that ranked second in the league. Aside from his K's, Delabar has also proven to be a relatively effective reliever through other facets of his game. He's strikes out tons, he doesn't walk too many, and he keeps the ball on the ground at an efficient rate.
Generally a reliever who does those three things well is one you'd consider for a full time late innings role, however like others of his kind Delabar has demonstrated vulnerability in both his home run rate and his platoon splits. Delabar, interestingly enough has exhibited reverse platoon splits in his short time in the majors mainly due to a huge jump in his fly ball rate versus right handers.
If you take a look at the chart on the right (via Baseball Prospectus) it shows Delabar's career fastball frequency vs. right handed hitters in each section of the strike zone. As you may notice it appears that Delabar has a tendency to leave his fastball up in the zone quite a bit more versus right handers, which could be a contributing factor to the increase in home runs and fly ball rate vs. righties.
Of course another factor in the equation is the rate at which Delabar's fly balls turn into home runs, which as it stands now vs. right handers it's a lofty 27.5%. One would expect that rate to normalize, meaning there would be a significantly less amount of home runs.
If in any fashion Delabar can find a way to limit his home runs versus right handers it could make him a much more valuable commodity going forward. A commodity that could perhaps pitch in a full time late innings relief role and to think it only cost ole' Eric "let's swing at everything" Thames.
Of course we are dealing with small sample sizes throughout all of this data, but it brings an intriguing possibility to the future of Delabar's career. Even if he doesn't progress further than where he is now, Delabar is still a valuable reverse LOOGY with raw stuff that is as exciting as any. It's a theme that is common among many of the Blue Jays' relievers, they have the stuff and hopefully the stats will come.
Farrell is Gone, But What Does That Really Mean?0
It's official, according to Sean McAdam of the CSN New England via Twitter the Red Sox have signed John Farrell to be their manager and according to Rob Bradford of WEEI.com via Twitter the compensation will be infielder Mike Aviles in return for Blue Jays relief pitcher David Carpenter.
Whilst in Boston, Farrell served as the pitching coach and apparently the manager in waiting. After years of the manager in waiting position he left before the spot was opened for him. Following the collapse after the 2011 season, Boston was ready for Farrell, but Farrell was long gone. This resulted in quite a number of rumours regarding Farrell's status, but it was always curious how the rumours seemed to originate from Boston rather than from Toronto.
As the offseason moved on the rumours subsided and eventually fizzled away. Instead the Red Sox signed Bobby Valentine and most people seemed to be somewhat happy with the move, but as results became reality and the Red Sox produced their worst record since 2001 people became much less than enthused with Valentine. Once again the rumours came a flowin', but I was still less than convinced that there was any truth to them.
Despite my disbelief the move has now happened, Boston 'got their man' and apparently with Farrell the feeling is mutual. As Mike Wilner told us on Twitter during Anthopoulos' conference call with reporters the earlier rumours of Farrell to Toronto were false as was the idea that Anthopoulos and Farrell were at odds with each other regarding Omar Vizquel. As late as October 3rd Anthopoulos indicated that he was fully expecting Farrell to be the Blue Jays manager in 2013, it was only after Canadian Thanksgiving (October 8th) that AA and Farrell talked and Farrell indicated that if the chance for him to manage in Boston came that he would like to pursue that option.
In the eyes of some this has made Farrell seem like an evil, conniving figure in that it would appear that he wanted to be in Boston all along, but as John Lott said, "[It seemed that] once Farrell said he wanted to go to Boston, [the] Jays were not going to stop him." To their credit the Blue Jays got a decent player in return in Mike Aviles, while he may not have been exactly what some fans were expecting he is a decent middle infielder that would work fine as a utility player or even a platoon player at 2B. Speculation may have brought up such names as Allen Webster and Rubby De La Rosa, but Mike Aviles is likely above the going rate that saw former Red Sox GM Theo Epstein traded for two non-Top 20 prospects from the Chicago Cubs before the 2012 season.
Whether or not you conclude that Boston 'stole' Farrell from the Blue Jays there's always the possibility that the next manager might be better. I certainly won't miss some of Farrell's small ball tendencies or his mismanagement of the bullpen, even if he was proactive in things like shifting. Farrell was a fine manager, he seemed to be liked by the players and his tactical management wasn't egregious when compared to the rest of the league, but the Blue Jays can do better. However now that he's gone it leaves some uncertainty as to the state of the Blue Jays managerial position going forward, it could be better or it could be worse.
Some of the various names that have been discussed by the media include Brian Butterfield, Sandy Alomar Jr., Tim Wallach, Sal Fasano, and even Manny Acta. Of that list only Acta has significant enough major league managerial experience that one could base an outside assessment on, while we only have as much information about the other guys as we are told. That there will be an important distinction going forward as we on the outside don't really have a clue as to how good any of these guys will be. Personally, I'd want Acta based on the information that is available, but even with that information we as an analytical baseball community haven't completely been able to quantify a manager's value due to the inability to measure some of the on field antics as well as the off field intangibles.
In the end no matter what happens the one cliché that states that a manager is only as good as his team should hold true. While we like to criticize any manager for the shortcomings of his team he generally doesn't hold a huge stake in the overall outcome of the season. A bad manager may be able to ruin a team, but a good manager creates less stress for those of us watching, while also not hurting the chances of the team he has. The trade was necessary, the return was justified, and we are only able to wait and see what the future holds.
2012 Baseball Bloggers Alliance Awards Ballot1
Within the past little while this blog became a member of the Baseball Bloggers Alliance (BBA), which is a group of over 350 blogs and bloggers from across the league. Every season the BBA conducts a vote of it's own on each of the major awards (Manager of the Year, Rookie of the Year, Rolaids Relief Man Award, Cy Young, and the MVP) and the results of our vote will be announced over a five day span from October 15th-19th.
With that said I present you my personal ballot with a couple things to remember. One, this is not a prediction of what I think will happen, but instead it is who I would vote for if I had the vote. Two, being that this this blog is an for an AL Team, the Blue Jays, this is only an AL Ballot, not for the entire league.
Connie Mack Award (Manager of the Year)
1. Joe Maddon
2. Bob Melvin
3. Buck Showalter
While the choice to put Madden on top may seem suspect as conventionally this award is given to the manager who did the best job at "coaching up his team" to me it just makes sense. Often we talk about how a manager has intangibles that we just can't quantify and this year those intangibles were supposedly evident in Bob Melvin and Buck Showalter. While that may be true as well as the fact that both Melvin and Showalter are good tactical managers themselves, Joe Maddon manages differently. He thinks outside the box and innovates as a manager, which puts him tops in the league for now and the foreseeable future.
Willie Mays Award (Rookie of the Year)
1. Mike Trout
2. Yu Darvish
3. Yoenis Cespedes
Let's just say if I could fill all three of those spots with Mike Trout, I would.
Gif via Bleacher Report
Goose Gossage Award (Top Reliever)
1. Fernando Rodney
2. Joe Nathan
3. David Robertson
Choosing the top AL reliever this year evidently wasn't very difficult. It's hard not to choose a guy who not only led the American League in fWAR, but also set the single season ERA record with a ridiculous 0.60 ERA. Beyond that Rodney posted the 16th highest K%, the 8th lowest BB%, the 2nd lowest HR/9, and the 5th highest ground ball rate. He didn't get by on smoke and mirrors, Rodney produced one of the better seasons by a reliever in the last five years and this was after 2011 when he posted the 19th highest walk rate in the last 30 years.
Walter Johnson Award (Top Pitcher)
1. Justin Verlander
2. David Price
3. Felix Hernandez
4. Yu Darvish
5. Chris Sale
For the Walter Johnson Award, I really wanted to make a case for David Price and all his awesomeness. Despite his being a Ray he is legitimately my favourite pitcher to watch in the entire league. Alas I was not successful in the case for Price because while he did post a similar ERA, strikeout rate and walk rate he also threw almost 30 less innings than Verlander. Verlander pitched 13% more innings than Price while maintaing similar and perhaps even better stats as well as posting nearly identical stats to those that won him the Cy Young Award last year.
Stan Musial Award (Top Overall Player)
1. Mike Trout
2. Miguel Cabrera
3. Robinson Cano
4. Justin Verlander
5. Adrian Beltre
6. Austin Jackson
7. Adam Jones
8. Alex Gordon
9. Joe Mauer
10. Edwin Encarnacion
In what is probably the most controversial choice (though I'm not sure why) my MVP is Mike Trout. Mike Trout is amazing, not only did he become the first rookie ever with 30 home runs and 40 stolen bases, but he posted the exact same wRC+ as Miguel Cabrera. By that measure alone he should be in the conversation for MVP, but that doesn't factor in that Mike Trout not only hits like that while playing one of the hardest positions in baseball, but also that he plays his position as good as anyone in the major leagues today. As good a hitter at a harder position, I'm not sure you could ask for much more in an MVP.


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Khmer Funny Story
by: CIDSMILE • 363
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by: CIDSMILE • 363
Khmer Funny Story is a free Apps that write many funny stories in Khmer Language. It helps to improve Khmer Language in International. And can help your feeling be better.
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2013-04-18 / Top News
Spring blizzard brings 20 inches of wet snow
A spring snow storm dumped around 20 inches of wet snow on the Emmons County area throughout the day Sunday and Sunday night. Until the snow arrived, farmers and others were concerned about going into small grain planting with no moisture. That problem has been solved.
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About the new upgrade to Version 2.0 of the Free viral traffic generator
The new Version 2.0 of the Free viral traffic generator, now offers an awesome range of features that can help anyone who wants more visitors to their websites, affiliate sites, blogs, forums, groups, social sites etc.
The major updates in this Version 2.0 include:-
- 1) Providing a new look and feel.
- 2) Increased usability.
- 3) Improved mobile device support to responsive design.
- 4) A new landing page for affiliate marketers and website owners.
- 5) A new directory for all reistered websites.
- 6) Additional backlinks to registered websites.
- 7) Improved social sharing options.
- 8) Additional help and documentation.
- 9) Improved help and documentation.
- 10) Improved reporting and notifications.
- 11) Additional traffic management options.
- 12) Website split testing so you can test the results form different websites.
- 13) Better for affiliate list building.
This Free viral traffic generator now has some awesome additional features to help make any website go viral increasing website views and generating viral traffic for FREE. Additional videos on how to make the maximum usage out of the Free viral traffic generator will be available shortly.
Do you need:-
- To earn more money?
- More visitors to your affiliate sites?
- To monetize your website?
- To start an online business?
- Share your social site(s) - more likes / love?
- Share your videos?
- More visitors for your website(s)?
- More customers?
- More advertising?
- More marketing?
- Create or increase your email list?
- Increase your product or business branding?
- Market your off-line business?
Find out how you can do all this and more for FREE.
Because traffic is the key to success...
you need to get TRAFFIC / VISITORS to your offering to succeed. To this end we will start by looking at how to generate traffic for free and move on to how to generate an income, in our free business building course.
As PROFITS are linked to CUSTOMERS and customers are linked to TRAFFIC / VISITORS; the more traffic you have, the more PROFITS YOU CAN MAKE.
The video below shows how you can benefit by using the free viral traffic generator.
Website visitors are the KEY to success and making money on the Internet
The money making formula is:
Traffic + Conversion = Money
Yes you do need some products or services to sell, or some other benefit from your visitors but without visitors your website will not be of any benefit.
The biggest challenge however is how to economically get visitors.
While there are numerous methods of advertising and marketing, both on and off the Internet including some free advertising options not all are cost effective.
Free advertising does not mean that it is cost effective. The reason that most so called free advertising is not cost effective varies, but in general there is a very low response rate (often zero) and often a huge amount of competition and a substantial amount of ongoing work is required to use free advertising. The net result is that in general the rewards from most free advertising are not worth the effort and you would make more money flipping hamburgers. This is not to say that all free advertising should not be considered but you need to establish what is cost effective for your business.
Paid advertising has it´s own issues, obviously you need money to pay for advertising but also you need to ensure that you get sufficient benefit (profits) to make it cost effective.
What is cost effective advertising?
Advertising is only cost effective when it's use increases your net profit.
When marketing a given product or service you need to ensure that you end up with a net profit or other benefit or you will just fail (go bust).
In order to truly compare alternative methods of advertising (be they paid or free) you need to factor in any additional costs, including the cost of your time (after all time is money) otherwise your will not be making a fair comparison. The reason that most people fail is they spend hours, days, weeks or even months with little or no return. It is not just the advertising that can make or break you.
The key items required for success are:-
- 1) Good product(s) or service(s)
- 2) Cost effective advertising / marketing.
- 3) * Good conversion (conversion of visitors into buyers).
- 4) * Easy and reliable transaction processing.
- 5) *Good order processing and delivery.
- 6) * Good customer services
In general for affiliate marketers you just need to do items 1 & 2. I.e. Select good products / services to market and use cost effective marketing. While the other items are generally provided for affiliate marketers they can affect sales and therfore profits.
As profit margins are normally linked to the product or service value; generally the higher the item value the higher the profit and the more advertising can cost and still be cost effective.
So cost effective advertising is a vital KEY to success
Unless you use cost effective advertising you are going to fail.
Fact, it is very easy to go broke, unless you are using cost effective advertising.
Advertising & marketing costs overview
We are only able to provide a summary of some key advertising & marketing options here but have some more detailed information in our free course.
While advertising costs vary the average costs from a survey revealed:-
|Type of advertising
|Cost per thousand
website views
|CPM (CPV) adjusted for click through (1)
|Free search engine traffic (2)
|Self-promoting traffic (3)
|Free advertising (4)
|Word of mouth (5)
|Networking (6)
|Media (7)
CPC & CPM were provided by www.hochmanconsultants.com
CPC = Cost per click
PPC = Pay per click
CPM = Cost per thousand impressions
CPV = Cost per view
1) CPM (CPV) adjusted for click through is based on a CPM of $8.55 and a CTR of 0.7% giving a cost per thousand site visitors of $1240.00.
2) The major search engine does not charge for a free listing. There can however be a substantial amount of effort required to make optimise (SEO) a website to get a good search engine ranking.
3) self-promoting traffic is free. After setting up no or very additional little effort is required.
4) So called free advertising is rarely truly free and often requires a substantial amount of ongoing effort for the returns received. If you factor in the cost of your time, so called free advertising is rarely even cost effective.
5) Word of mouth can be effective but often requires a lot of time and effort selling yourself and your business. For small local businesses it can work well.
6) Both online (social) and offline networking can be cost effective but this is not always the case especially with offline networking.
7) Printed, audio and visual media pricing varies dramatically and needs to be considered on a case by case basis.
Advertising cost per item sold
The cost per thousand views (about $1.23 per website visitor) shown above is not whole story. This is just the cost of getting visitors to visit your website. You can expect that only a few percent of your visitors will actually buy, most can be expected to just look. The conversion rate from visitors to buyers does depend on a number of factors including what you are marketing and how good your site is at selling.
The conversion rate (visitors into buyers) is typically about 2%. The following table shows how the cost per sale varies with conversion rates from 2 to 10%. Please note the costs shown as ? are highly variable and are generally very expensive if your time is factored into account.
|Type of advertising
|Advertising cost per
item sold for various
conversion rates
|CPM (CPV) adjusted for click through
|Search engine traffic (free listing)
|Self-promoting traffic
|Free advertising
|Word of mouth
From the figures above you can see why so many people go broke using paid advertising, especially with lower value products. It is all in the mathematics, sorry but it is true.
So what is the solution?
- Focus your marketing efforts on the most cost effective advertising & marketing options.
- Integrate a number of advertising methods where this can provide a more effective overall solution.
- Keep improving your advertising and marketing.
- Track your advertising & marketing costs.
Using a combination of methods will generally provide better results. If an advertising method is costing money to run and it is not cost effective then stop using it before you go broke.
Search engines (free listings)
This is a must do if you have a website. However there are some things to take into account. Unless you spend the time and effort to do the SEO (Search engine optimization), or get someone else to do it for you, you are unlikly to get much traffic from free search engine listings. In competitive areas you may need to do a lot of work to get good rankings and traffic.
Self-promoting traffic
This is a new way to generate a progressively increasing stream of visitors to your website using viral traffic building techniques. A key advantage of this system is not only is it free to use but it will continue to drive traffic to your website over time. This system can be used in conjunction with most other advertising methods to increase the total amount of traffic.
Word of mouth and networking
While word of mouth is worth including in your list of marketing techniques it is more applicable to local than global marketing. Some networking groups are just not cost effective due to the high prices membership and meeting charges and the investment in time is often not worth the effort.
Pay per click and pay per view
With any paid advertising you need to ensure that it is going to be cost effective. As a quick test look at the cost of getting the visitor to your website and the conversion rate from visitors to buyers.
Media advertising
A quick test you can use is to divide the advert cost by the advert views or circulation to compare various options. While the cost per view is a good starting point also consider how well the circulation matches your target audience.
Social and business networking
There are numerous social and business networking sites that are worth registering on. To get the maximum out of these it is normally necessary to spend time and effort to get a reasonable amount of traffic to your website.
The bottom line
If what you are doing is NOT PROFITABLE it will NOT be SUSTAINABLE.
It is vital to have / select suitable products or services to market and use cost effective advertising and marketing.
Super markets have the following primary aims:-
- 1) Attract new visitors.
- 2) Convert visitors into customers.
- 3) Increase the basket value.
- 4) Increase repeat business.
Your business is very similar, if you can offer multiple items this can increase your basket value and by supplying good products you can more easily get repeat business.
List building
Building a contact list is one of the best ways to market additional products or services to other interested parties.
We cover how to build lists in our free business building course that is available to registered users.
Where to start?
The best place to start is to register and set up your website with the self-promoting traffic system. Not only is this FREE viral marketing system very cost effective to set up and use, you can also increase your website visitors from other forms of advertising / marketing when used in conjunction with the self-promoting traffic system. We also have a free step by step course of advertising and marketing tips to help users of the self-promoting traffic system. Click here or on the button below to set up your website.
Why is this FREE?
Why this is free is probably best summed up in the following quote.
'You can get everything in life you want if you will just help enough other people get what they want.'


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Rocky Mountain Elk Foundation Fundraiser Banquet
Additional Information
The Northern Lights Royal Chapter is hosting their annual Rocky Mountain Elk Foundation Fundraiser Banquet on Saturday, March 15, 2014.
The event takes place at Jack and Jim's in Foley. There will be a silent auction, raffles, dinner and games.
To get registered visit www.rmef.org or contact Kerry at (320) 393-7283.


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- Academics
- Undergraduate Programs
- B. A. Requirements
- International Affairs Concentration
- Public Law Concentration
- Rules for picking classes
- Accelerated BA/MA
- Minor in Political Science
- Minor in Asian Studies
- Minor in Foreign Service
- Minor in Global and Local Social Justice
- Minor in Political Journalism
- Internships
- Honors Thesis
- Graduate Programs
- Courses
- Forms and Procedures
2014 Honors Theses
Beatrice Abraham (below) wrote an honors thesis was titled "'Refugee Resettlement in St. Louis: The Social Impacts of Resettlement Through the Eyes of St. Louis' Local Non-Profit Organizations.' Saint Louis has a long history of hosting refugees from around the world including from Vietnam, Bosnia, Somalia, Iraq, and Nepal. Beatrice's project examined the social impact of influx of refugees on St. Louis. This was done by examining the role of non-profit organizations that aid in resettlement and how their role has changed with the changing demographics of incoming refugees since the 1990s. In-person interviews with employees from six local non-profit organizations were conducted and data analysis from the interviews is expected to highlight the challenges and changes these social service providers have faced over the past 20 years." Beatrice is shown with her mentor, Dr. Jason Windett.
Kirstin Palovick (below) titled her honors thesis 'The Impact of Identity formation, Cultural, and Political Conditions on Open LGBT Representation in State Government.' This research examined the impact of identity formation, cultural, and political factors predicting the election of openly LGBT state legislators. Kirstin argued that an individual's prior experiences, as well as the contextual indicators of their environment, concerning LGBT individuals or rights can impact their political attitudes and, in turn, influence their political behavior. She demonstrated this relationship through a quantitative analysis to gauge the connection between the previously listed factors and openly LGBT representation. She also utilized a qualitative analysis of the different methods that states have utilized to legalize same-sex marriage and how this impacts openly LGBT representation." Kirstin is shown with her faculty mentor, Dr. Jason Windett.
Kalina Kutriansky wrote an honors thesis on "The Influence of Gender and Issues on Electoral Behavior and Congressional Campaigns." Prospective voters respond to a variety of factors, including issue availability and heuristic codes. By manipulating the gender and issue platforms of hypothetical candidates in a survey experiment, Kalina examined the relationship between gender (both respondent and candidate) and issue-type ("easy" or "hard"). Specifically, she examined the extent to which voters employ heuristic gender cues as a response to issue-type: whether voters make inferences about a candidate's competence on issues as a result of gender stereotypes tied to the issue-type highlighted by the candidate. Her mentor was Dr. Jason Windett.


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NRCan Proposes Decoupling ENERGY STAR Specs from its Energy Efficiency Regulations
Natural Resources Canada's (NRCan) ENERGY STAR Initiative is considering significant changes in how products manufactured and/or sold in Canada are qualified and listed. NRCan proposes to de-couple Canada's ENERGY STAR technical specifications from its Energy Efficiency Regulations. NRCan intends to use the ENERGY STAR technical specification published by the United States Environmental Protection Agency (EPA)... Read More
For IT Equipment in Canada, ICES-003 Issue 5 Required by August 2013
For manufacturers of IT Equipment (ITE) selling in Canada, ICES-003 Issue 5 Information Technology Equipment (ITE) – Limits and Methods of Measurement was published last month by Industry Canada. Until August 31, 2013, both Issue 4 and Issue 5 will be accepted. After that date, only Issue 5 will be accepted. Existing models in compliance... Read More
Health Canada Provides Guidance on IEC 60601-1 3rd Edition Transition
For Medical Electrical Equipment product safety compliance in Canada, Health Canada currently recognizes both the second edition of IEC 60601-1, published in 1988, and the third edition, published in 2005. In October, 2008, Health Canada published a notice indicating that until June 1, 2012, conformity to the second edition of IEC 60601-1 and its related... Read More
CPCA Discusses Intro of a National Certification Mark for Canadian Product Safety
The Fall General Meeting for the Canadian Process Control Association was held yesterday at Terrace on the Green in Brampton, Ontario. One of the key topics was the forecast for the association. The focus was on Process, Instrumentation, and Automation equipment. The projection for US growth for 2012 is $6.61 Billion. That is a 2.4... Read More


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If you haven't yet considered reserving a suite for your upcoming trip, we strongly encourage you to check out one of our most popular Las Vegas suites, the Paradise Suite, which will introduce you to a whole new level of luxury accommodations.
Let's start with the ambiance. When you first walk into one of our Paradise Suites, you will be embraced by a warm and welcoming atmosphere. From the textures and fabrics to a palette of soft sunset colors, the feel of these residential-style quarters is as if you were at a South Beach getaway.
In the living room you will encounter bamboo custom-designed furniture that is accented by artwork – original artwork, might we add – by an acclaimed Latin artist. White plantation shutters surround the spacious living room and usher in natural light by day, and if you choose to open them at night, you can see and experience the beautiful lights of the Strip. There is also a wet bar and refrigerator for you to enjoy, which are particularly useful when entertaining guests.
In the spacious bedroom of this suite on the Las Vegas Strip you will find a king-size bed that is enhanced with an ultra plush Euro Top Serta Perfect Sleeper mattress. To ensure the maximum luxury and comfort, we wrapped the bed in 300-thread-count linens. There is also a full bathroom so you can enjoy all the comforts of home and then some during your stay.
We may not have mentioned it yet, but our Paradise Suites also have a desirable corner location. This means that you can enjoy breathtaking views of the Las Vegas Strip, which something that not every Vegas visitor gets to experience from this viewpoint.
Now that you've been introduced to our Paradise Suite, you can probably see why it is one of our most popular suites and why it may be the best choice for your upcoming Vegas trip.
See all our Hotel Deals & Special Packages
of Rooms and Suites - as well as all the luxury, style and excitement the Tropicana Las Vegas has to offer.
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Rate Sturdy Memorial Hospital
Ratings for Sturdy Memorial Hospital
Nurses and doctors were very nice when I was scared and had an emergency. Very diligent
Submitted March 29, 2017 | flag
I've only been here once for symptoms related to a heart condition but everyone I came in contact with was caring and professional. I would return here without hesitation.
Submitted March 9, 2017 | flag
The Doctors just don't care about you and half of the nurses too. Dr Jean Siddall-Bensson is the worst! If you don't like your job leave, don't make the patients suffer!
Submitted Dec. 16, 2016 | flag
Most of the nurses are absolutely wonderful. They helped me through a very difficult time.
Submitted Aug. 3, 2016 | flag
I went to the ER on a Saturday because I couldn't eat or drink or keep anything down, I was dehydrated because of it, the ER Dr examined me sent me home and told me to contact my GP on Monday if it continues. It was so bad I had to go back to the ER and finally a competent Dr there sent me in to emergency surgery because my intestines were blocked due to scar tissue. It was a horrible experience and I will never go back to Dirty Sturdy again!
Submitted Jan. 27, 2016 | flag
The nickname is Dirty Sturdy.......you have to question what meds the nurses give you even though you tell them what meds you are taking every time a new nurse comes on duty which is twice a day, they take FOREVER if you need to go to the bathroom and get annoyed if you couldn't wait and messed the bed.
Submitted Dec. 21, 2015 | flag
I live in Taunton, MA and have many hospitals to choose from, Sturdy Memorial has been my hospital for 43 years. I love the staff at the pain clinic,the ER has cared for me over the years and my experience s have been positive during difficult times. The staff is knowledgeable and caring.
Submitted April 14, 2015 | flag
Cold staff, very leery of the hospital doctors here!
Submitted Jan. 31, 2015
Thanks to the staff of this hospital, my birth experience became a horrible-painful memory to look back on due to how I was treated. I am a first time mom, and some of the staff and doctors there were very demeaning and desentized, the way I was treated made me ponder if it was due to my current situation that they felt at liberty to treat me as a nobody or because of my race since I noticed a lack of diversity there; when my baby was born, some staff seemed almost appalled that my child was mixed race, their underlying comments, their tone and looks were offensive and hurtful. The staff was very short and careless when I requested their help; they never took their time when they came to my room, always rushing which made me feel uncomfortable and question their ability to pay attention to what they were doing, some of the doctors were very rough when handling me; I had a cesarean. Overall I would not recommend this hospital to anyone I love/care for nor anyone who's a minority.
Submitted March 15, 2013 | flag
This place is bad news if you are looking for health care !!!
Submitted March 22, 2012
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Australian Bonds Drop on Fed Policy, Currency Near 3-Month High
Australia's bonds fell, pushing 10- year yields to the highest since September, after a Federal Reserve decision to stimulate the economy by expanding Treasury buying crimped investor appetite for safer assets.
The Australian dollar traded near the highest level in almost three months versus its U.S. peer, which tends to be debased by expansionary monetary policy. The Federal Open Market Committee said interest rates will stay low as long as U.S. unemployment remains above 6.5 percent and inflation is in check. The Australian and New Zealand dollars were buoyed as global equities gained and before a private report tomorrow forecast to show Chinese manufacturing is strengthening.
"The market is starting to reflect the global economic backdrop that is looking somewhat better than it had over recent times," said Gavin Stacey, chief interest-rate strategist in Sydney at Barclays Plc, referring to Australian bond yields. "We think yields in general across the curve are likely to grind higher."
The 10-year Australian rate rose nine basis points, or 0.09 percentage point, to 3.31 percent as of 4:10 p.m. in Sydney. The equivalent U.S. yield reached 1.72 percent, the most since Nov. 7.
Australia's dollar was at $1.0551 from $1.0555 yesterday, when it climbed as high as $1.0586, the strongest since Sept. 14. The Australian dollar dropped versus its New Zealand counterpart to NZ$1.2491, the weakest since Oct. 12. The New Zealand dollar fetched 84.43 U.S. cents from 84.36 yesterday, when it touched 84.54, the most since Feb. 29.
The MSCI Asia Pacific Index (MXAP) of shares rose 0.3 percent, following a 0.2 percent gain in the MSCI World Index (MXWO) yesterday.
Economic Target
The Fed said it will buy an additional $45 billion of Treasuries a month from January to spur growth. The central bank said interest rates will stay low "at least as long" as the unemployment rate remains above 6.5 percent and if inflation "between one and two years ahead" is projected to be no more than 2.5 percent.
"Some changes in the Fed's language on economic targets were a bit surprising," said Yasuhiro Kaizaki, vice president of global markets at Sumitomo Mitsui Trust Bank Ltd. in New York. "The U.S. dollar sold off and stocks gained, pushing currencies such as the Aussie dollar and the euro higher."
Benchmark interest rates are 3 percent in Australia and 2.5 percent in New Zealand, compared with as low as zero in the U.S. and Japan, attracting investors to the South Pacific nations' higher-yielding assets. The risk in such trades is that currency market moves will erase profits.
Yearly Performance
The Australian dollar has risen 0.8 percent so far in 2012 according to Bloomberg Correlation-Weighted Index. The kiwi dollar's 6.5 percent advance over the same period is the best performance among the 10 developed-market currencies tracked by the gauges. The U.S. currency has lost 2.8 percent.
Australia's dollar "has been an extremely resilient currency over 2012 and looks set to finish the year in stellar form," Mitul Kotecha, Hong Kong based head of currency strategy at Credit Agricole SA (ACA), wrote in a note to clients today. "Aided by a relatively attractive yield, diversification flows and a bounce-back in China's economy, the AUD has gained substantial support and looks to maintain this going into 2013."
HSBC Holdings and Market Economics will release a preliminary reading of a Chinese manufacturing survey tomorrow. The index probably rose to 50.8 in December from 50.5 the previous month, according to the median estimate of economists surveyed by Bloomberg News. China is Australia's biggest trading partner and New Zealand's second-biggest export market.
The Chinese data "can often give the Australian market some guidance on how the global story is playing out," said Barclays' Stacey. "If we continue to see improvements there, it would support the Australian dollar."
To contact the reporter on this story: Mariko Ishikawa in Tokyo at firstname.lastname@example.com
To contact the editor responsible for this story: Rocky Swift at firstname.lastname@example.com


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Car Make and Modelrenaultsport clio 172 cupLocationobanMileage54700Description2003 clio renaultsport 172 cupRemaining MOT
my nephew bought this car as a cat D write off after a minor accident requiring front bumper; n/s headlamp; n/s wing and repair to n/s door and rear quarter panel.he has also replaced n/s sideskirt and nsf brake caliper was changed for a reconditioned unit after i damaged it removing a sheared bleed nipple. he is a panel beater to trade and all works have been carried out to the appropriate standards.
car is currently SORN'd as unfortunately the nephew cannot afford the insurance premiums due to his age.
it is a standard car painted in stunning blue with no modifications other than anthracite coloured wheels and yellow detailing on centre caps, brake calipers and in the engine bay. it has had a recent service and mot. the car is generally in very good condition, the interior is clean altho there is one small cigarette burn on the rear bench.
car is sold with full renault logbook,V5 forms and a full years MOT.
3995 ono
the car is located in oban, west scotland, postcode PA34.
any viewing is welcome, just call me on 07810103662 to arrange. cheers
http://img.photobucket.com/albums/v6...cliocup009.jpg12 monthsPrice3995V5
- V5 is Present and includes correct and up-to-date car colour and engine details.
- I the seller have read and understood the Classified forum rules and understand that buying and selling on MIGWeb is done at my own risk and that MIG Performance Vauxhalls can in no way be held responsible for issues arising from using this service.


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Welcome to the Orange Islands! Please remember to read the rules. Come chat with us on our IRC channel and enjoy your stay!Welcome to Smogon Forums! Please take a minute to read the rules.Click here to ensure that you never miss a new SmogonU video upload!
Can the "Slender Make-up 3" item from Join Avenue recreate the Pomeg Glitch?
Discussion in 'Orange Islands' started by Zowayix, Oct 7, 2012.


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bomb the subway
bomb the subway
is that bts by mane? rather, who of bts is still around toronto or mtl?
BTS is from a few years ago in mtl..
It was consisted of memebers of HYH...and i think Neos was in it....mOber...castro maybe...
It was just b4 hyh was formed
does loes still bomb mtl hard?
est ce ke kek1 peu poster la photo du serak geant au TA
What you know about cromed out kicks??
peace h34r:
some sick pics
Big 3-d less chromes on a legal wall, eh whatever...
Does anybody ever posts flicks not featuring themselves?
Here's a new one I thought I lost...
It's the return of the b-boy
fresh otak i wana see the finished product
who did the unfinished pieces.the one written..*not done
i like montreal style its fresh
I dont believe so .. i dont liv ein mtl anymore..but i have heard that he is focusing more on Emcee and producingOriginally posted by bringing-ruckus@Mar 27 2005, 06:44 PM
does loes still bomb mtl hard?
HAHAHA that orange and blue shit is psykoazOriginally posted by BoReK@Mar 27 2005, 09:04 PM
The patron saint of mediocrity.
phattttttttttaw new sakes at ta lol
but why he get over the asteure ?
fdb3s.


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15 bit Arbitrary Waveform Generator LXI Module, 1.25 GS/s or 625 MS/s
Manufacturer's part number :
Description :
Keysight Technologies's N8241A arbitrary waveform generator (AWG) is a synthetic instrument (SI) module that combines unprecedented performance with unsurpassed flexibility. Its combination of high resolution and high sampling rates enables designers to create ideal waveforms for accurate testing of radar, satellite, digital radio, and frequency-agile systems. Each channel provides modulation bandwidth of either 500 MHz at 1.25 GS/s or 250 MHz at 625 MS/s. With over 65 dBc of spurious-free dynamic range, complex signals with very high fidelity can be generated. When the N8241A is combined with a wideband I/Q upconverter, modulation bandwidth of 1 GHz (at 1.25 GS/s) or 500 MHz (at 625 MS/s) can be achieved at microwave frequencies, enabling realistic signal simulations for testing of IF and RF subsystems.
Technical Data :
Quote and availability
- Option 125 simultaneously delivers 1.25 GS/s and 15 bits of vertical resolution, and 500 MHz of instantaneous analog bandwidth per channel
- Option 062 simultaneously delivers 625 MS/s and 15 bits of vertical resolution, and 250 MHz of instantaneous analog bandwidth per channel
- LXI class-A compliant
- Multiple module synchronization to simulate multi-emitter and multi-path scenarios
- Up to 16 MS waveform memory (optional)
- Up to 125 k definable waveform segments
- Up to 16 k unique definable sequences


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Is has been a long time since I've blogged, specially for a person who loves what he's doing. And how do I title that new post? "Happy".
This isn't going to be a "looking-back" post reminiscing the hardship and success. I am not yet privileged enough for that type of post. It's just, while I've always been a cheerful guy, that is how I feel right now. Peace & happy (and I'm not high, before anyone suggests).
The love of my life and I've been in our long and detailed love story with twists, turns and fun. But I'll spare you the details and just tell. Nadee and I are now happily married. We finally tied the knot this May, and it's been awesome! We've already been told by many that everything doesn't smell like roses always. Well, thank you. We'll figure things out on the way.
Among other things, for more than a year I've had a pleasant work environment, good employee benefits and a team that's loads of fun to work with. That's a perk of working for a company who gets that running an IT company is different from other businesses. I would be ungrateful if I didn't say that thinkCube has treated me well.
Another big thing that happened during the last two years was me re-discovering my flare to keep going and getting a no-nonsense getting-stuff-done attitude about life. Starting from my late-teen years I've always been a guy who could take a beating. But I was also of the laid-back and go with the flow nature, even while I was in the school of hard knocks. But since it gave me a graduation certificate and kicked me out, I've been a guy with a different attitude. You'll have to take my word for it now, but I intend to use it in action.
When I started this blog I was at the beginning of my career, silly enough to write that I was falling over-and-over in love with the same girl. I was raw enough to talk trash and be emotional about technology. It's all there in the blog archive. And I'm going to let them be for that's who I was, and that's how I grew up to be me.
The wonderful thing about marriage is, it puts things into perspective. And the great thing about happiness is, you are at peace to think about what you want to be doing. I have the luxury of both. As I keep typing this away in bed, a single look at my wife who's in a peaceful nap, is all the assurance I need. I do not know what future holds, but I know what I will take. :)
Sunday, July 22, 2012
By Gaveen Prabhasara Sunday, July 22, 2012 me, us 2 comments
2 comments:


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GMBA | Tuition & Financial Aid
GW School of Business offers a wide array of merit-based scholarship and need-based loan opportunities. As you work to enhance your career or plan for a career transition, we will assist you in navigating available financial resources to help ensure that you can reach your educational goals.
Tuition & Fees
The Global MBA program has a fixed tuition rate for the 21-month program. Tuition is due in four equal payments at the beginning of each of the four semesters, and you can take advantage of a monthly billing plan that allows payments to be spread over up to five months for each semester.
- Program Tuition: $102,000*
*Program tuition includes many of the costs associated with the Consulting Abroad Project, such as, lodging, in-country transportation, many group meals, cultural events, and CAP health insurance.
Additional Costs
- Enrollment Fee: $850*
*Includes GMBA Institute (orientation activities/speakers) and some GWSB co-curricular activities
- Matriculation Fee: $100 (charged each entering student)
- Consulting Abroad Project (CAP) Costs: $2,000 (estimated)*
*This may include airfare, some individual meal, visa documents, and immunizations.
- Student Association Fee: $2.75 per credit hour, up to a maximum of $41.25 per semester.
- Registration for Continuous Enrollment or Leave of Absence: $35
- Registration for Off-Campus and Online Programs: $35 (excluding contract programs)
- Books: $500.00 (academic year estimate)
- Student Health Insurance: $3,520 (full-year estimate; optional)
- Housing: Click here for information about on-campus and off-campus housing for full-time GW graduate students
All applications are considered for merit-based scholarships. No separate application is required to apply. On average, approximately 70% of enrolled Global MBA students receive scholarships with an average award covering more than half the program cost.
Please note that all Global MBA merit-based scholarship funding is first applied against any program costs associated with the Consulting Abroad Project and the remaining scholarship balance will be applied against the balance of program-related charges.
Need-Based Financial Aid
Most student loans are based on either financial need or creditworthiness and are available only to U.S. citizens and permanent residents. GW students most frequently utilize loans such as the Federal Stafford Loan Program. Other private and federal loans are also available.
All federal loans require the Free Application for Federal Student Aid (FAFSA) form. GW students must submit this form to the federal processor by May 1. The maximum loan eligibility is $20,500 per academic year, and the interest rate is fixed at 6.80 percent.
For complete instructions and help applying for loans, please visit the Office of Student Financial Assistance and also review the checklist for new GW graduate students.
Payment Plans
George Washington University offers a monthly billing plan that allows payments to be spread over up to five months for each semester.
Tuition Reimbursement
Many larger corporations, as well as the federal government, offer tuition assistance to employees pursuing graduate study. In most cases, your program of study must be related to your career field and approved by a supervisor at your organization.
Third-Party Billing
A third-party sponsor pays all or part of a graduate student's tuition and fees. Third party sponsors are usually private companies, embassies, or government agencies.
Third-party billing authorization documents must be submitted by the third week of the semester. The University does not accept sponsorship documentation that is contingent upon grades received for course work. Students are responsible for all tuition and fees not covered by a sponsor.
Veterans & Military
Nationally recognized as a top military and veteran-friendly university, GW offers a wealth of services and benefits to students who have served, or are currently serving, in the U.S. Armed Forces.


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Lawyers in Wheat Ridge
Categories: Lawyers, Legal, Small Business Services, Legal & Financial
5660 Olde Wadsworth Blvd Arvada CO 80002
Categories: Business Lawyers, Corporate Lawyers, Criminal Lawyers, Lawyers, Legal, Small Business Services
6595 W 14th Ave Lakewood CO 80214
Don't see the business you're looking for? Add it here
© 2017 Denver.com: A City Guide by Boulevards. All Rights Reserved. Advertise with us | Contact us | Privacy Policy | Terms of Use | Site Map


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© 2012 American City Business Journals. All rights resereved. Use of this Site constitutes acceptance of our User Agreement (updated 3/14/12) and Privacy Policy (updated 3/14/12).
The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of American City Business Journals.
Forums: Admins | Moderators
Lacrosse news straight to your inbox.
Monday July 23rd, 2012 4:17pm
WILLIAMSBURG, Va. - The 20th-ranked William and Mary lacrosse team utilized a 9-0 first half run to earn a convincing 18-7 victory against Old Dominion in both teams' regular-season finale on Wednesday evening at Albert-Daly Field. Having qualified for the Colonial Athletic Association Tournament, W&M (10-7, 4-3) will square off against top-seeded James Madison in the opening round of action next Thursday in Harrisonburg, Va.
In addition to the 9-0 run in the opening half, the College also rattled off seven unanswered scores in the second stanza as the final 14:01 was played with a running clock.
Led by junior Ashley Holofcener's four goals, eight different Tribe players found the back of the cage. Senior Mary Zulty and freshman Kyrstin Mackrides recorded hat tricks with three goals apiece, while senior Katie Rees, junior Grace Golden and freshman Caitlin Murphy all scored twice. Golden's impressive stat line also included an assist, five draw controls, five ground balls and two caused turnovers. Additionally, the Manhasset, N.Y., native passed Colleen Dalon ('06) for second place on the program's all-time goals list with 133.
Junior goalkeeper Emily Geary posted one of her best performances of the year by allowing a season-low seven goals while totaling nine saves.
As a team, the Tribe held a 16-10 advantage in draw controls and a 26-18 margin in ground balls.
While neither squad was able to score during the opening 10 minutes of play, ODU (3-12, 1-6) got on the board first when Sarah Wright found the back of the cage with 19:47 showing. However, W&M responded with nine unanswered goals during the next 12:28 to break the game open. Holofcener, Zulty and Rees all provided a pair of scores during the important stretch, while Murphy added a goal and an assist.
Although the Lady Monarchs tallied back-to-back goals late in the half to get within six, 9-3, Mackrides registered a score at the 2:07 mark to push the Tribe's lead back to seven by halftime.
The College dominated the draws in the opening 30 minutes of play and held a 10-4 advantage in the category.
While Old Dominion scored a pair of goals during the first five minutes of the second half to cut the margin to 10-5, the Tribe put the game away with a 7-0 run that lasted nearly 12 minutes. Holofcener scored twice during the stretch, while Mackrides added two goals and an assist. Playing in the final home game of her career, senior Katie Delaney punctuated the run with a goal with 8:40 remaining.
ODU was unable to get closer than 11 the rest of the way, as the Tribe cruised to its third consecutive double-digit victory against the Lady Monarchs.


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Team USA men's volleyball will feature four Trojans when the Americans take on Iran at Galen Center this Saturday (7 p.m.). Current setter Micah Christenson will be joined in the Red, White and Blue by former USC stars Murphy Troy, Tony Ciarelli and Riley McKibbin.
Click here for tickets to the match.
Click here for tickets to the match.
USC has more players on Team USA than any other university.
Ciarelli was the 2012 National Player of the Year.