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Unprotected sex, pain on the left of vagina. Pregnancy possibility?
me and my boyfriend had sex without condom but before something happened he set condom on, but i m scared if it can be i m pregnant :S its two weeks ago this happened, but one week ago i start to feel like normal period pain but its not my time to go on period now,but that stop and now (two weeks from we had sex without condom) i start feel pain in left side of my vagina , so i m scared if i can be pregnant! is it possible ?
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Thu, 13 Dec 2012
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Dr. S Patra
Mar 2016
is possible,if unprotected sex is done around ovulation time in regular period.
You did sex 2 wk ago with using condom. Condom has failure rate of 14-15%.
So wait for the next coming period and if missed,do a urine test for
after 1 wk.
Check the result and consult with doctor.
Be well and practice
safe sex
in future with other methods.
Answered: Sat, 15 Dec 2012
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Pregnancy is possible,if unprotected sex is done around ovulation time in regular period.
You did sex 2 wk ago with using condom. Condom has failure rate of 14-15%.
So wait for the next coming period and if missed,do a urine test for hcg after 1 wk.
Check the result and consult with doctor.
Be well and practice safe sex in future with other methods.
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The Furies
Eberstadt, F.
Libreria AbeBooks dal 6 luglio 2015Quantità: 1
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Libreria AbeBooks dal 6 luglio 2015Quantità: 1
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Dati bibliografici
Titolo: The Furies
Casa editrice: Alfred A. Knopf, New York
Data di pubblicazione: 2007
Legatura: Hardcover
Condizione libro:As New
Condizione sovraccoperta: As New
autografato: Signed by Author(s)
Edizione: 1st Edition
Descrizione articolo
A new novel — her largest and most ambitious — by the author of Low Tide, Isaac and His Devils, and When the Sons of Heaven Meet the Daughters of the Earth. In The Furies, Fernanda Eberstadt brings all her gifts of insight, feeling, and storytelling to bear on passion and the balance of power in marriage. She tells the story of a courtship of opposites, of a blissful love affair — and of how it turns into a marriage that helplessly self-destructs.
The place is Manhattan in the boom of the 1990s. Gwen Lewis thinks her life is perfect. She's thirty, smart, high-achieving, single; she's the director of an institute that's helping post-Communist Russia democratize. She has family money, a condominium on the Upper West Side, and a suitable boyfriend, a banker.
Then she meets Gideon Wolkowitz. Gideon is an impoverished puppeteer who works in an anarchist squat on the Lower East Side: an impecunious sweet-talking huckster, a messianic dreamer, a seventies socialist throwback, a secular Jew. Gwen and Gideon fall desperately in love. Their sex is epic. Their love seems like a gift from the gods — destined to heal all wounds. Each is the child of a broken home; each fills the other's unsuspected aching emptiness. The lovers hole up in Gwen's apartment, feasting on stolen nights of ecstasy and confession.
Then Gwen gets pregnant and their romantic idyll is broken, and the angry ghosts of their ancestral pasts rise to claim them. Gwen is pulled into a Puritan devotion to work and motherhood that only a driven career woman or Massachusetts pilgrim could understand. Gideon, torn by his anger that Gwen has ended their sex life, by his native hatred of her "socialite" values and his love of the woman herself, begins to hear the call of shtetl ways and the synagogue. The reader watches helplessly as the divisive forces of money, worldly ambition, and self-will complete the shipwreck of Gwen and Gideon's love.
A novel that wholly engages us by the depth of its understanding and the power of its storytelling.
Fernanda Eberstadt's novel is luminous --- not in its magic, although it is
magical, but in its reality: she pecks the eggshell from inside and out. The
book is full of surprises --- and then I had the delight of discovering that
they weren't surprises at all. Everything she writes proves true. She also
happens to write with nearly unbearable honesty about womanhood; the passion and
astonishment of motherhood; the distance that separates women from everything
and everything else."
-- Susanna Moore
"An amazing, fiercely erotic novel, with stretches that are more gripping than anything I've read since The Corrections. No other writer has captured our recent American past — the 90's boom years — so vividly or with such detail and force. Spellbinding reading."
-- Bret Easton Ellis
"Ms. Eberstadt's latest effort, The Furies, veers pretty close to genius. ...Eberstadt is an expert, sensual, and at times truly breathtaking conjurer of New York City."
-- New York Observer
"Unsparing...In a densely allusive, insistently metaphoric prose style, Eberstadt brilliantly employs a form of hectoring direct address to both her protagonists.....[The] plot gains great depth from two exhaustively penetrating characterizations and from Ebersadt's virtual genius for ironically precise summary statement."
"A novelist of exhilarating wit, incandescent metaphors, moral curiosity, and deep-sea psychology. Eberstadt's mythic and piercing tragedy belongs beside the work of Franzen, Chabon, even DeLillo."
-- Booklist
"Eberstadt achieves a roil of dark effects in her fourth novel....The author's gift for acutely rendered detail captivates... Eberstadt's no-mercy approach is unique and harrowing."
-Publishers Weekly
"The novel's prose — taut, fresh and vividly descriptive — can be a positive delight. Like Tom Wolfe, Eberstadt is a precise and witty observer of life in Manhattan."
-- New York Times Book Review
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Ravi Dixit won a gold medal at the Asian Junior championship is going through a hard time as he does not have enough money to even travel. In order to finance his campaign for the South Asian games Ravi has decided to auction off his kidney on social media.
He posted on social media regarding the auction of his kidney and asked buyers to bid for it. He said that even after winning so many medals for India he was not supported by the government as it would have helped him take his squash to international level (quotes via Times of India).
"I have been playing squash for the last 10 years. Even after winning so many medals and representing India so many times, I do not get any support to take my squash to the national and international levels,"
"I am ready to sell my kidney. If anyone needs a kidney, they can contact me. The price of my kidney is Rs 8 lakh,"
Ravi's parents are also quite worries to see their son take this drastic measure in order to finance his campaign and they have asked Ravi to reconsider this issue before going through with it. He added that the family is going through a crisis right now but together they will find a way to deal with it.


text:
CBS Reveals Poster & More Details On SUPERGIRL/FLASH Crossover
CBS has released a new poster and details about the upcoming crossover between Supergirl and CW's The Flash. Althouh the poster alludes to the episode restaging the popular series of friendly race competitions Superman and Flash had in comic books past (with Supergirl taking over her cousin's role), the episode synopsis frames it as a 2-on-2 battle between the heroes and the team of Silver Banshee and Livewire.
"Kara gains a new ally when the lightning-fast superhero The Flash (Grant Gustin) suddenly appears from an alternate universe," reads the synopsis," and helps Kara battle Siobhan, aka Silver Banshee, and Livewire in exchange for her help in finding a way to return him home."
This "Worlds Finest" episode of Supergirl is scheduled to air March 28 on CBS.


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Southern Jewlz Boutique
Spotlight Interview Questions
Posted on July 27 2012
Hey fans - it's Randa! So I've been working away on answering some questions for Dirt Road Daughters Magazine as they are featuring me and SJ in the Fall 2012 issue! Anyways, I'm not sure what all they will or will not publish - so I figured it would be...
All You Can Do is Your Best - PERFECTION isn't Real
Posted on June 13 2012
Perfect - entirely without any flaws, defects, or shortcomings; excellent or complete beyond practical or theoretical improvement. Does PERFECTION really exist!? Well, of course not! But that doesn't mean we shouldn't strive to be BEST we can; It merely means we cannot stress ourselves out or run ragged trying to...
The beautiful woman behind Ring Wraps
Posted on March 20 2012
Howdy all you SJ Fans and Followers! This blog post actually isn't going to be anything about SJ, but a shout out to one of my best friend's new company that she recently launched. Let's start with a picture: Yes, that is what we call a "Ring Wrap" and the...
New Boutique is OPEN & Adding to #TeamSJ!
Posted on March 12 2012
Well hello SJ fans and followers! Sorry it's been quite some time since any of us have blogged - but we were fully engulfed with moving and opening a new boutique!!! It is official that the new Boutique is now OPEN! We opened the doors last Thursday, March 8 at...
Updates from SJ Land! :)
Posted on February 13 2012
Read below for the latest news on our new boutique, our recent fun happenings and even sales and specials we have going on! First off, all Valentine's Day Sequin <3 HEART <3 shirts are now ONLY $15! Sale price is valid in the Boutique and online, too! Help 'ole cupid...
The NEW SJ Boutique!!!
Posted on January 20 2012
I sure hope all of YOU fans are as excited about the New && much Bigger location for Southern Jewlz Boutique as we are! I know we have told y'all through a video blog that we are moving, but besides that, y'all don't know too much just yet! The new...
Women are Made to be Beautiful :)
Posted on January 17 2012
it's been a while since I've written a "just because" blog. Not a blog about what's going on in my world, SJ-Land or a special event or Sale we are running. So, I was trying to think what kind of an inspirational type blog post I should do, and the...
Big Announcement for 2012!
Posted on January 05 2012
It has officially come time for the sequel to my "Tribute to 2011" blog post! Please watch the video below to hear our Big Exciting News! Team SJ xoxo
Tribute to 2011: A Year of Personal & SJ Growth
Posted on January 03 2012
Well hello SJ Fans & Followers! Well the time has come that 2011 is no more and I just want to dedicate a blog post to a tribute of my year 2011! A year that I like to reflect on as a year of personal growth and business development! Starting...
Team SJ Company Christmas
Posted on December 16 2011
It's our busiest time of year, but we are loving every single minute of it! Lots of shoppers in the boutique, all of us feel like little elves helping package all the online orders, Christmas music playing in the boutique - We LOVE the Holidays! We recently had our very...
Success: What it Means to Me!
Posted on November 02 2011
Well here it is 11pm and I should be going to bed since we are fast and furious in SJ land getting ready for Holiday time and travels.....but, I can't sleep. And for some reason I've been thinking a lot lately about what SUCCESS means to me. To some, SUCCESS...
Fall Fashion Show and Photo Shoot
Posted on October 20 2011
Well hello SJ Fans and Followers! For those of you who were not in attendance at our Fall Fashion Show, it was at The Corner Bar at Northgate here in College Station, America! on September 8, well we are bringing the show and photo shoot to YOU! That's right, Catwalk...
Randa & Amberly invite you to SJ 1 Year Anniversary!
Posted on October 13 2011
Come celebrate our one year anniversary at the SJ Boutique! Lots of fun things going on including 20% off EVERYTHING in the Boutique and Online, Facebook give-a-ways, Candy 95.1 Live Radio Broadcast 12-2pm Friday, Spoons Yogurt will be served 4-6pm Saturday, Raffle prize drawings every hour, Best Dressed Contest with...
Reason #544 Why I'm Happy SJ Exists!
Posted on September 02 2011
Well hello SJ Fans and Followers! We have been full force here at the Southern Jewlz headquarters with back to school sales, schedule changes, planning a fashion show, up and coming Aggie Football and so forth! The main reason for this blog came about last night. I was eating dinner...
Showing items 1-15 of 15.


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text:
KIAMBU COUNTY BETS BIG WITH BIASHARA FUND SME PROFILE: Digital Marketing Agency Canvas Media
Revolving Fund For Loans Empowering Thousands of SMEs in County
Kisumu County Grapples with Low Tax Compliance by SMEs
ASK THE EXPERTS: How To Network the Right Way!
Bank Financing Big Project Targets 50 Million Women in Africa
Word from the Publisher...........................................................Pg 4 Murang'a County In Kshs 1 billion Road Rehabilitation Programme.................................................................................Pg 7 World Bank Research Challenges Counties to Triple Infrastructure Funding ..............................................................Pg 9 County Focus Kisumu County Grapples with Low Tax Compliance by SMEs......................................................................................Pg 11 Cover Story Kiambu County Bets Big With Biashara Fund..........................Pg 14 Ask the Experts: Ms Frida Owinga How to Network the Right Way...............................................Pg 18 Exclusive Interview with Safaricom's Head of Innovation SMEs Must Identify needs that Induce Innovation.................Pg 21 International Bank Financing Big Project Targets 50 Million Women in Africa.....................................................................................Pg 26 Opinion Rising Customer Service Demands Forcing Changes in Business Dynamics................................................................Pg 27 SME Profile: Digital Marketing Agency Canvas Media.................................Pg 31
SME Digest | 3
WORD FROM THE PUBLISHER AQUARIUS MEDIA Editorial Director Patrick Mwangi Editorial/ Marketing Coordinator Caleb Mutua Writers Wanjiru Kariuki Ambrose Matata Sammy Grey Design and Layout Aquarius Media Limited Business Executive Stanley Kinyua For all editorial/ Marketing and Subscription inquiries please contact: The General Manager Aquarius Media PO Box 10668-00100, Nairobi, No.6 Kabiru Court, Daidai Road, South B, Tel: +254 773 635 416, Email: firstname.lastname@example.com The editor welcomes comments on articles carried in this publication. Send your comments, questions and suggestions to email@example.com. All correspondence to the editor is assumed to be intended for publication. Aquarius Media Limited admits no liability for unsolicited articles or pictures. The views expressed in this publication are those of the authors and not necessarily shared by Aquarius Media Limited.
SME Digest | 4
he predominant business in Kenya is an MSME (micro, small and medium enterprise), something that is likely to remain so for a long time to come. Indeed, Government policy documents continue to identify MSMEs as a key driver for growth in the Kenyan economy, as well as creation of jobs. MSMEs continue to face a host of challenges. These challenges stymie the growth of the average MSME so that it takes forever to stabilize, and another eternity to get on a growth trajectory, if at all. The key issues that militate against growth of MSMEs are lack of financing, lack of information and poor business skills. In most cases, providers of financing do not provide information plat-
forms or training in business skills. On the other hand, those providing either business information or training in business skills do not provide financing. Further, most of the financing available in the market, mainly bank loans, is mostly inaccessible, unaffordable or inappropriate for the growth needs of MSMEs. It, therefore, behoves the Government to provide avenues through which these challenges can be addressed, and the various business funds that have been launched by the Government are a critical intervention in this endeavor. It is very encouraging that county governments like the Kiambu County government have decided to intervene to assist MSMEs tackle these challenges. Kiambu County has established a fund for entrepreneurs among the youth, women and People With Disabilities. It would provide an even bigger boost to growth of businesses in Kenya if more county governments established such funds to assist MSMEs. As counties develop, the bulk of MSMEs will be hosted there. County governments must,
therefore, start thinking about creating an enabling environment for business to be started, and to flourish. This is not just being altruistic on their part, but the counties that become vibrant centres for businesses stand to benefit a lot from the employment that will be created, as well as levies and taxes from the entrepreneurs. The needs are great. Many young people have no other recourse other than to become businesspeople to fend for themselves as the marketplace for jobs remains highly competitive. However, counties must not sideline a whole section of MSMEs the way that the central government has done. These are the businesses that are run by men who have outgrown their youth, and who continue to be discriminated against in benefitting from these business funds because they are, well, men. These people are also critical factors in creating jobs and wealth. They face the same challenges as those facing the entrepreneurs these business funds are targeting. They too deserve support.
Patrick Mwangi As counties develop, the bulk of MSMEs will be hosted there. County governments must, therefore, start thinking about creating an enabling environment for business to be started, and to flourish.
Chief Executive Officer Aquarius Media Limited
SME Digest | 5
Murang'a County in Kshs 1 Billion Road Rehabilitation Programme Farmers and Small Businesses Major Beneficiaries of Improved Roads By Ambrose Matata
major Kshs 1 billion road rehabilitation project by Murang'a County is set to give a big boost to farmers and small business owners in that county. The project was launched in August 2016 by the Governor of Murang'a County, Mr Mwangi wa Iria (pictured), when he commissioned 35 tractors for the project. The rehabilitation programme will include grading, gravelling and opening of new roads, as well as construction of bridges. The project will provide job opportunities to over 350 young people. Speaking during the launch, the governor expressed his readiness to come to the rescue of business men and women who have for a long time incurred heavy losses due to bad roads. "Good roads will enhance the trans-
port of farm produce to the market and save farmers from losses which they used to incur due to bad roads and limited accessibility," said Governor wa Iria. He added that increased accessibility within Murang'a will spur economic growth and attract potential investors to the county. Murang'a County is associated with dairy farming, and the programme comes at a time when Murang'a Cooperative pays KShs 120 million monthly to farmers for their produce at a price of KShs 35 per litre. The programme is expected to boost the volume of milk supplied to the cooperatives, leading to increased earnings by farmers. The public will be involved in the process of identifying the roads which will be set for rehabilitation.
SME Digest | 7
Good roads will enhance the transport of farm produce to the market and save farmers from losses which they used to incur due to bad roads and limited accessibility.
Mr John Ndung'u, the Kamahuha Boda Boda Sacco chairman, who spoke during the launch, said that the road rehabilitation programme would boost accessibility, leading to increased daily earnings. "Many of our members and their passengers have been involved in accidents due to bad roads. We now hope that this number will go down after the
SME SME Digest Digest || 4 8
rehabilitation programme," he said. Murang'a County has a population of 942,581, as per the 2009 Census. The county has seven constituencies and 35 wards that cover an area of 2,558 sq km. Murang'a is home to the expansive Aberdare Forest which is a major tourist attraction and one of Kenya's water
towers. The main cash crops are tea, coffee and macadamia. The County has strived to provide an enabling environment to its residents, mostly farmers, by providing free Batian coffee trees in order to boost coffee production.
World Bank Research Challenges Counties to Triple Infrastructure Funding By Ambrose Matata
evolution is one of the three pillars highlighted in the World Bank's partnership with Kenya. The agreement will see the Bank invest up to US$ 4 billion during its five-year implantation period. Among the key investment areas considered by the Bank include provision of technical and analytical support that will help in formulating policies and rolling out devolution to both National Government and County leadership. As a result, counties have been able to make significant structural and economic reforms that have yielded to sustained economic growth in the recent past. According to a World Bank Report on devolution and
infrastructure, Kenya's prospects for growth and shared prosperity are on the rise due to increased investment in infrastructure and devolution. "Kenya's economy has recovered from the negative shocks that it experienced in 2008-09 posting an average growth rate of six percent for the past five years, according to the PER, which projects that growth will remain between 6-7 percent to 2017," reads a section of the Report. Kenya's decentralization has been rated the most rapid, ambitious devolution processes in the world and its economic growth is expected to rise to 6.1 per cent in 2017. It has presented new governance challenges poverty and oppor-
tunities as the Country builds a new set of county governments from scratch. However, despite the Government's expansionary fiscal policy that has increased opportunities for growth and economic sustainability, it has also subjected the country to a rising public debt and spending pressure motivated by devolution. The World Bank warns about Kenya's spending decisions to contain growth of recurrent administrative costs, prioritization and execution of infrastructure projects and improve selection. This, the Bank Group observes, will narrow down the persistent increases in the public wage bill.
SME Digest | 7
Kisumu County Grapples with Low Tax Compliance by SMEs Seeks To Enhance Tax Compliance As 80% of Businesses Are SMEs By Ambrose Matata
he differences in tax reforms across the country's 47 counties have had an adverse effect on the growth of SMEs. County governments have identified SMEs as a key source of revenue through
issuing of various licenses like trade licenses and business permits. However, much work needs to be done to bring SMEs into the tax net, as well as foster an environment that enables them to grow. A research by
Mr Onyancha Ondimu, (Kenyatta University) on the Effects of Tax Reforms on Compliance of Small and Medium Enterprises in Kenya reveals that a huge number of SMEs are non-compliant at both the County and National
SME Digest | 11
SMEs are volatile establishments that need special treatment. Most of them remain in the informal sector because they feel the cost of tax compliance is too high for them. Government levels. "Like other profit generating entities, SMEs are also expected to pay their taxes. However, the concern is how much tax should be levied on them. SMEs are volatile establishments that need special treatment. Most of them remain in the informal sector because they feel the cost of tax compliance is too high for them." The research states fur-
SME Digest | 12
ther that most small business entities end up benefitting immensely from not paying taxes, a move that compromises the Government's development agenda in the country. Economic planners have long identified SMEs as key contributors to economic growth. Their importance has grown over the years. Mr Ondimu sees the need to make SMEs tax compliant as "urgent," and believes it is now
time to ensure SMEs are made compliant. While pushing for SME compliance, Mr Ondimu looks at the possible reasons why small businesses choose to abscond paying tax. The study points out that tax reforms should identify those outside the tax net for registration, and then enforce compliance. Kisumu County, situated strategically bordering Uganda and Tanzania through Lake
Victoria, is expected to make a major contribution to the Exchequer, but has failed to do so due to low tax compliance by SMEs in the area. Failure to improve tax compliance by SMEs will cost the Government heavily in terms of tax revenue and revenue to undertake development programmes. This calls for education programmes for SMEs to appreciate the importance of paying taxes. A major difficulty in enforcing tax compliance is that most small businesses remain in the informal sector, and tax authorities are unable to monitor their entry and exit.
But despite their being in the informal sector, their economic contribution is very significant. In a business Expo that was held in 2015 in Kisumu County, the county's Industrialization and Trade County Executive, Dr. Rose Kisia, acknowledged SMEs as the backbone of the county's economy, hinting that the sector comprises more than 80 per cent of the region's business. As the first ever business Expo to be held in the region, SMEs in the county got a chance to showcase their products to potential consumers, a move that is believed to
have had inspired hope to the growth and development of the Small and Medium Enterprises in Kisumu County.
Kiambu County Governor William Kabogo addressing a student from Kimende Polytechnic during a Biashara Fund training initiative. Looking on from extreme right is the Youth County Executive Machel Waikenda.
Kiambu County Bets Big with Biashara Fund
Revolving Fund For Loans Empowering Thousands of SMEs in County By Caleb Mutua
he huge demand for Kiambu County's revolving fund for small businesses has given impetus to the country to boost it from Kshs 300 million to a billion shillings. The move is expected to turn the tide on financing Kenya's small businesses at
SME Digest | 14
the county level. Kiambu County government set up the Biashara Fund targeted at the Youth, Women and Persons with Disability (PWDs) in September 2014, becoming the pioneer county to set up a revolving fund to enable the youth, women
and PWDs start and run small businesses. In 2015, the county reported unprecedented success on the fund. Out of 33,000 applications from the 60 wards in the county, the fund gave out loans to over 2,000 small businesses, youths, women,
Saccos and PWDs. The fund gives interest-free loans of up to KShs 100,000 to individuals and KShs 500,000 to groups, payable within 36 months. Commendably, 95 per cent of the applicants have so far paid back the full amount they borrowed. Kiambu's Youth County Executive, Mr Machel Waikenda, said the Kiambu governor, Mr William Kabogo, plans to increase the kitty to reach 1.4 million youths in Kiambu, to reduce unemployment and combat the soaring problem of drug abuse and alcoholism
in the county. "Biashara Fund was Governor William Kabogo's campaign promise to create a fund for youth, women and PWDs, and we are excited that many young people came out in large numbers to apply for the fund. In order to meet the high demand, we would need nearly KShs 4 billion to adequately fund entrepreneurs and existing small businesses. The Governor is pushing to have the fund hit KShs 1 billion," said Mr Waikenda. Women aged below 35 emerged as the biggest ben-
eficiaries of the first KShs 300 million disbursed in the first two years, followed by youths and PWDs. The Kiambu County Youth, Women and Persons with Disability Enterprise Development Fund Board reviewed all the applications, looking at, among other criteria, market relevance, finance plans, capacity to create jobs and innovation. Sub-county committees from every ward evaluated the application forms.
• Size: 2,543.5 Km2 • Population: 1.623 million (2009 Census) • Administrative units: 12 Sub counties • Market and Urban centers: 2,517 trading centers • Road and Rail network: 2,033 KM of roads and 131KM of rail • Total arable land: 1,874 Km2 • Forest size: 426.62 KM2 • Labour force: 961, 261 people (2009 Census) • Health facilities: 364 • Literacy levels: 95.4%
SME Digest | 15
"When the Fund was launched, we did a capacity building program. We went to each and every ward speaking to residents about the fund and how they can be able to apply for it, training them about entrepreneurship. We got over 33,000 applications, which was way beyond our expectations as we had anticipated (an initial) lukewarm situation which would build up. We have stepped up efforts to reach out to the male youth to convince them to apply for funding to ensure equal disbursement," added Mr Waikenda. According to the County, the purpose of the kitty is not only to give money to small businesses, but also to enhance young people's capacity to create and innovate.
SME Digest | 16
Out of the KShs 300 million, 70 per cent of the fund was allocated to groups while the remaining 30 per cent was disbursed to individuals. Saccos such as the Kiambu County Women Sacco, Kiambu County Rural Women Sacco, and UNES Sacco had a borrowing limit of KShs 7.5 million. "The idea is to fund the SACCOs then they lend within their structures. We partnered with The Visionary Empowerment Program, which is a big program for issuing out water tanks in Kiambu County. We funded the programme with KShs 15 million, and in phase one we gave out 468 water tanks (5000L) to women groups across Kiambu County. We are supporting greenhouses as well; we have partnered with the Agriculture Ministry
and we are buying greenhouses for groups. We have given out about KShs 10 million for greenhouses only, and plan to give out another KShs 15 million," said Mr Waikenda. One such group is Karwai Self Help Group from Mangú Sub County, which, according to the group's treasurer, Mr Fredrick Mwangi, is reaping benefits from a KShs. 500,000 business loan. "We are very grateful to the county for its support through the Biashara Fund. Each member of the group has been able to expand their businesses in the market. We hope to finish paying the loans and get more funds to enable more young people access the money," said Mr Mwangi. The initiative has also seen a significant number of PWDs
Biashara Fund was Governor William Kabogo's campaign promise to create a fund for youth, women and PWDs, and we are excited that many young people came out in large numbers to apply for the fund.
quit begging and start engaging in different income-generating activities within the county. Kimende Disabled Group received two plastic water tanks and installed them on a public toilet in their village. Another group in Limuru Sub County, Jijenge Self-Help Group, invested the money they received from Biashara Fund on a dairy cow. For Alice Njoki from Lari Sub County, accessing loans from commercial banks has been a daunting task. "Äs a disabled person, the endless trips to the
banks and the volatile interest rates made me shy away. I applied for the Biashara Fund and got the loan. I used it to expand my small business and I am very hopeful that soon I'll finish servicing the loan." Mr Waikenda says that the loan application process is being streamlined to reduce bureaucracy. "For instance, application forms would initially go to the board and then the board would approve and go straight to the bank. We want to cut that down so that applica-
tion forms go straight to the sub-county committees. Once they vet them, they can go straight to the banks for due diligence and disbursement because they know the residents much better than the Board. The Board oversees the functions of the sub-county committees," he explained. Loan applicants apply through Family Bank and Rafiki Bank and the commercial banks collect debts on behalf of the County.
SME Digest | 17
Ask the Experts: How to Network the Right Way
By Ms Frida Owinga
esearch shows that people who convert their business cards into contacts network for at least 6.5 hours a week, and when you think about that, you are probably thinking you don't have time to go to so many events. Networking is an investment. Define your target audience first before you settle on an event. It is not about the food you are going to eat but the people you are going to meet. Once you know who your target audience is, it will help you determine what kind of events you should go for and invest in. Don't invest in the speaker and don't judge any event by the price. You can create a marketing budget to guide you on how much you spend on networking. A business card is very important. I consider it a link to a new world. It is extremely important to have a good business card because that is how you will be remembered. Just like first impressions are everything, that business cards will go to places you cannot go. What will people be saying about it? That will determine if your business card will turn to a contact or not. A business card is a connection tool, a starting point. Ideally you should create some rapport before exchanging business cards. Just because you have a business card doesn't mean you have to give it
SME Digest | 18
There's nothing wrong with you writing a brief introduction about yourself on a piece of paper and practising in front of the mirror. out and you don't have to feel guilty if you do not give everyone your business card. I'm personally very stingy with mine because I create a rapport with you first before I decide to give you my business card. There has to be a connection between me and you. I like asking people their names and what they do and I kind of just listen and see if there is a connection. If there is, then I might ask for your business card. Sometimes people give me their business cards and I don't give them mine. So it's a connection tool. Once you connect then you can exchange because you want to get to know them more. The key thing is to know how to develop friendship from business cards. That brings us to the follow up. The fortune is in the follow up of business networks. Often we give out business
cards and expect the phone to ring. The phone won't ring because people do business with people they know and believe it or not, people do business with people they know and like. So do I like you instantly? Sometimes yes, but not always. The follow up is to get to know you better. The follow up is not to sell to you. People don't like to be sold to so if you're making friends you want to know what they do, and the connection between the two of you. Remember it is not about the events but what you do after the event. Once you get the business card, what you do with it? Write what the person does on the card because you might not remember. Go a step further and have a tool that will help you manage your business cards, like a Sales Tracker, and updating the tool is part of the 6.5 hours of en-
gaging and networking. Have an open mind when you are out networking. You will meet different kinds of people so be positive, show yourself friendly, get to know people and don't ask for too much too soon. Finally, people do not buy what you do, they buy why you do. Don't just tell people that you are an accountant or marketer, be exciting. There's nothing wrong with you writing a brief introduction about yourself on a piece of paper and practising in front of the mirror. Pitch it to yourself. You can also try practising in front of two or three friends. The first 10 people might think you are weird but guess what? They will remember you. Aim to stand out because you can never change the world by being like it.
Frida Owinga is a leading authority on entrepreneurship and an alumnus of the Small Business Management program of Small Business Advisory of Georgia and USIU, Goldman Sachs Women in Entrepreneurship program.
SME Digest | 19
Safaricom's Head of Innovtion Mrs. Veronica Ogeto- Tchoketch
SMEs Must Identify Needs that Induce Innovation
afaricom is not only the most profitable company in the region, but also a market leader in inventions. The telecoms operator has launched success innovations such as M-Pesa, the world's most successful way of sending money through your phone, M-Shwari and other innovations that provide solutions in communication and banking. In an exclusive interview with SME Digest writer Sammy Grey, Safaricom's Head of Innovation Mrs. Veronica Ogeto- Tchoketch opened up on the telecom's innovation journey and the various nitty gritties concerned in the process of innovation, especially for startups. Grey: As HOD Innovation at Safaricom, what does your job entail? Mrs. Ogeto: Innovation is one of the key pillars of Safariom's business growth pillars. We undertake innovation in three key horizons: The first one is incremental improvement, which we get from our staff members. They normally interact with the customers on a day to day basis, so they get feedback on how some of our products are faring. The staff members can also have ideas of their own, since they also interact with the process daily, therefore it may lead to a growth of an innovative culture within Safaricom. We also work with the ecosystem and this en-
tails using our assets, wide network, customer base and distributors to partner with universities and startups that are looking to innovate. The last horizon is co-creation, where we partner with other institutions to facilitate the creation and growth of innovations. Grey: Has the company always had an innovation department? Mrs. Ogeto: No, we are only three years old. However, innovation has always been a part of Safaricom's DNA. It only needed the collaborative components, a central location to run, monitor and identify the innovative projects on the company's behalf.
SME Digest | 21
Grey: Could you kindly take us through the process of innovation? Mrs. Ogeto: Certainly. First, a meaningful need should always take pre-eminence in the process. These needs could stem out of a lack of basic amenities (lack of clean water, food or proper healthcare). Your proposed product ought to effectively cater for the needs of your customer(s). So a meaningful need ought to be there, a prototype that will be tested in the market, feedback from your target consumers and putting the right partnerships in place to scale up the innovation accordingly. Grey: What inspires the different innovations that your team comes up with? Mrs. Ogeto: Need plays a fundamental role. Internally, daily interactions with the normal process and customers who have certain issues
SME Digest | 22
that need to be addressed, acts as a pinpoint for one to get a suitable idea of an innovative product. Customers who we view as external innovators are able to see gaps within their communities and they come up with ideas that can lead to the conceptualization of a relevant innovation to fill those gaps. Grey: What are some of the most successful innovations you have come up with? And which ones didn't take off as expected? Mrs. Ogeto: I can say Okoa Stima and M-Tiba have been quite successful at the moment. However innovation is a journey, so we expect that other products that were and are to be rolled out shall enjoy the same amount of success in the market. Linda Jamii and the Big Box gave us immense lessons. We were able to examine the gaps and
A close analysis of the founders of Facebook, AliBaba, M-Kopa and the likes, started small. The only difference is that they persevered and leveraged on their resources and made strategic partnerships that saw them scale up their products to be the profit making products that they are currently.
challenges that were faced. This informed us on proper ways to create so as to go in to solve a meaningful need and stay competitive in the market, as well.
tinuously engage with your customers. If the customers like the product, then it is a good one. However if they don't, that may be the best time to rethink the value of the product.
Grey: How can Small and Medium Enterprises (SMEs) ensure that they are always innovating?
In addition, your company should understand that the product has to give you a balance in terms of keeping it in the market and meeting the operational costs of the company.
Mrs. Ogeto: They ought to stay in touch with their customers, observe them, their behaviour towards the product, identify emerging gaps and constantly evolve to meet those gaps. They should also identify meaningful needs. These needs ought to create sustainable innovations that will survive and eventually pay for themselves in the long run.
Grey: Is innovation expensive? Mrs. Ogeto: I wouldn't think so. The tip is to do it in small milestones. You should also partner with institutions that can let you leverage on their assets for the product's good. If you do it alone, the cost might overwhelm you, if you are a startup.
Grey: Some innovations may fail. At what point should a start-up move on to the next innovaGrey: What are some of the challenges SMEs are likely to face when innovating? tion? Mrs. Ogeto: Interesting question. The stage of innovation matters, in this case. You need to give the product time in the market as you con-
SME Digest | 24
Mrs. Ogeto: Access to the right type of capital, from the right financial partners is a major challenge. The skills set of the startup in terms of
talent, marketing and creativity, may also pose as a challenge in the scope of innovation. Realising relevant partnerships that let you leverage on your assets and networks and facilitate patenting and protection of your intellectual property is also a challenge in the innovations market.
test bed, where interested parties are able to leverage on Safaricom's assets, networks and resources to maximize on the output of their innovations. Grey: Finally, what message do you have for SMEs who think innovation is for companies with huge turnovers?
Grey: How can SMEs leverage Safaricom's innovative products to grow their businesses?
Mrs. Ogeto: Innovation comes from anywhere. A close analysis of the founders of Facebook, AliBaba, M-Kopa and the likes, started small.
Mrs. Ogeto: We have products such as MPESA, distribution services, tariffs and products such as Ready Business that rely on call, data and cloud based services, specifically tailored to facilitate proper running of SMEs. Furthermore, we have the Sandbox, which is a
The only difference is that they persevered and leveraged on their resources and made strategic partnerships that saw them scale up their products to be the profit making products that they are currently.
Bank Financing Big Project Targets 50 Million Women in Africa
Bank to finance platform to support women empowerment in 36 African countries By SME Digest Correspondent
he African Development Bank (AfDB) has approved a USD 12.4 million grant for a project called "50 million Women Speak" to create a networking platform dedicated to sub-Saharan women entrepreneurs. The grant will be spread between the Common Market for Eastern and Southern Africa (COMESA), the East African Community (EAC) and the Economic Community of West African States (ECOWAS). The project is an innovative social media platform to enable women to start, grow and scale their business through the dynamic exchange of ideas. According to Ms Geraldine Fraser-Moleketi, the AfDB's Special Envoy on Gender, this digital/virtual marketplace will connect businesswomen to encourage peer-topeer learning, mentoring, and information and knowledge sharing. The platform will cover 36 countries, and will be acces-
SME Digest | 26
sible on mobile phones. It will enable women to access business training, mentorship, financial services and locally-relevant business information, while building their own networks of contacts. The project will be implemented within a period of three years starting from 2017. The number of monthly platform users could reach 50,000 women in 2022. By developing their businesses, it is expected they'll create 10 per cent more jobs. In Africa, like in many parts of the world, women business owners continue to face gender-specific barriers such as lower levels of education and business training, weak property rights that deprive them of collateral and tangible assets, legal barriers that impede their economic activities, and cultural barriers that discourage women from thriving as entrepreneurs. The consequence is that women have challenges accessing financial and non-financial
services, and so the size and growth of their businesses suffer. In Sub-Saharan Africa, the financing gap for women is estimated at over $20 billion, and is likely to be more acute among younger and women launching startups. "Platform users will learn about their rights and the way to obtain financial support," said Salieu Jack, Chief ICT Engineer & the Project's Team Leader at the AfDB. In the concerned countries, the rate of women entrepreneurs with access to banking loans could jump from 4 per cent to 10 per cent by 2022. The launch of the regional platform will be coordinated with the creation of Country Teams which will include Regional Economic Communities (RECs), specialized institutions for content gathering and dissemination, publicity, outreach, and advocacy, and targeting women entrepreneurs in their respective member states.
The biggest change in customer service is the sheer number of channels through which people can contact your business. Instead of just phone calls and snail mail, consumers can now reach you by email, social media, text message, video call and live chat. Mobile technology has also enabled constant connectivity, giving customers 24/7 access to public forums in which they can talk — or complain — about your company. Only organizations that are willing to adapt and respond to this shift in business-consumer dynamics will survive.
Rising Customer Service Demands Forcing Changes in Business Dynamics By Nidal Kamouni
he essence of customer service can be traced to time immemorial. On the other hand, the method of delivery of the customer service experience needs to be continually updated to match the desires and expectations of an ever-changing customer base. That is why we believe that the customer experience landscape is ripe for disruption with companies slowly making progress toward more seamless and simpler customer experiences.
We believe that businesses will focus on making self-service easier. In fact, we are already seeing companies start to address the desires of many consumers for automated self-service to improve by evaluating their core systems, investing in knowledge management and exploring virtual assistants. Some of the initiatives that we can already see in place, include connecting conversations with context where companies have removed the need for consumers to explain, sometimes repeatedly, why they need service, which goes a long way in making self-service easier. Another initiative is when businesses make secure authentication easy with some introducing voice biometrics
SME Digest | 27
In the age of fierce competitiveness, companies that deliver a great end-toend experience that makes them stand out from the clutter will attract and retain customers.
to meet demands for easy, secure authentication instead of consumers having to use PINs and passwords to authenticate their identity. And finally, businesses have understood the value of their websites and have taken steps to improve their website effectiveness. Customers are increasingly beginning their self-service journey on the web, only calling the contact center when they can't find an answer online. Websites today have employed virtual assistants that are powered by language understanding and conversational capabilities, streamlining and speeding up the digital service experience, minimizing a customer's time and frustration while saving the business money. No one likes to wait. By making self-service easier, businesses will automatically help empower customers control their time if they improve if they offer consumers more control when customer service
SME Digest | 28
extends to the field. In the recent Trends 2016: The Future of Customer Service by Forrester, it was found that 73% of consumers say that valuing their time was the most important thing a company could do to provide them with good service — whether on a call, in a chat, or while waiting for a service technician to troubleshoot and fix their product. Think about it, would you not prefer to wait for a delivery to arrive within a timeframe rather than listening to that annoying hold music that some businesses insist on playing as you wait. To this end, businesses continue to explore ways to offer self-service scheduling, providing an easy means of rescheduling appointments and actively seeking feedback on the service experience. For me personally, waiting for a service or delivery person to arrive within a set
window of time, far outstrips the annoyance I feel listening to hold music. The Forrester report forecasts this year companies will explore ways to offer self-service scheduling and better inform and prepare their employees to provide effective field service. For businesses who would like to improve their customers' field service experiences while differentiating themselves on this aspect of customer service in the near future, we recommend a few suggestions. For a customer to have a good field service experience, the businesses should successfully engage with the customer before arriving and it is important to use multiple channels of communication to raise your engagement rates. Help make your customer's ability to reschedule or communicate with you is fast and easy that can be accomplished
from every message they receive, on every channel, with a simple click, tap or spoken request. With all the knowledge gained through the field data, businesses must leverage it to predict needs of its customers delivering faster, easier and a more personal experience. In the age of fierce competitiveness, companies that deliver a great end-to-end experience that makes them stand out from the clutter will attract and retain customers. This is a universal truth no matter which industry a business is in and businesses who choose to make superior customer experience its core business strategy will continue to thrive.
Nidal Kamouni is the Chief Executive Officer PCCI Group
KEY POINTS • Predict the needs of your customers • Make self-service easier • Make secure authentication easy • Empower customers control their time • Engage with the customer before arriving • Use multiple channels of communication • Make your customer's ability to reschedule or communicate with you fast and easy SME Digest | 29
Canvas Media co-owner Sonal Haria
Digital Marketing Agency Canvas Media
ocated in a clean, modern space off Church Road lies the boutique digital marketing agency Canvas Media. Founded by Arjan Grewal-Thethy and Sonal Haria, both of whom are under 30, the Small and Medium Enterprise (SME) takes a fresh and innovative approach to marketing. Arjan's unique eye for branding, business-savvy personality and ability to merge international concepts on a local level allowed him to spearhead Canvas Media's success in the market in only one year. Sonal, meanwhile has an ambitious personality, a creative mindset and a strong grasp on all things marketing, which gave her a head start in forming Canvas and growing it to the youthful, buzzing agency it is today. She documents her journey through her recently launched blog Diaries of a Serial Entrepreneur (diariesofaserialentrepreneur.com). The duo sat down with SME Digest Writer Wanjiru Kariuki to discuss their entrepreneurial journey.
SME Digest | 31
Canvas Media co-owner Arjan Grewal-Thethy
Wanjiru: Tell us a bit more about yourselves and Canvas Media. Arjan: We were both born and raised in Kenya. We completed our high school education in Nairobi, and then went abroad for further studies. I studied Business Management and Nutrition in London, fostering my passion for health and fitness. While I was studying, I also practiced various martial arts on a profes-sional level. Sonal: I studied Marketing and Entrepreneurship at the Sauder School of Business, UBC. During my studies, I built an app and gained a lot of experience in the tech start-up world. Upon completing my Bachelor of Commerce (BCom) I started my first marketing agency in Canada launching Vancouver's first Women's Lifestyle Expo. Although it was a success, my
SME Digest | 32
heart was always back in Kenya. I saw the incredible need in Kenya to do things at international standards using advanced, tech-savvy marketing techniques. We thus decided to start Canvas Media. Wanjiru: Why and how did you get started? What inspired you? Arjan: When we lived abroad we were exposed to the evolving marketing trends and patterns. We saw that brands gave more time to their customers, communicated to them and sold them a lifestyle, rather than just a product or service. After moving back a few years ago, we noticed that this was not being done in Kenya - and if at all, not to the standards that it should be. It was also very expensive. We were inspired to start our own agency to help brands and businesses - especially smaller companies
Digital advertising has a higher return per shilling spent, as well as giving us the ability to target our audience and gather useful data, behavioural patterns and user analytics.
who did not have the financial advantage or knowledge to market their businesses. We saw that there was lack of innovative marketing and out-of-the box campaigns. We also realised that brands didn't really build relationships with their customers. Wanjiru: What sets you apart from other digital marketing firms? Sonal: Canvas Media is a boutique agency and we want to remain bespoke. We are selective with our cli-ents and will only take on clients and brands we personally believe in in order to remain authentic. Our greatest strengths as an agency are our technology, creative and strategy departments. Because we highly believe in three things: innovation, creativity and leadership, our success with our clients stems from our devoted attention to all three aspects. We focus on what success would look like for our clients, rather than trying to just sell them as many services as possible. Wanjiru: Why should people invest in digital marketing vs traditional advertising/marketing?
Arjan: Generally speak-ing, digital advertising has a higher return per shilling spent, as well as giving us the ability to target our audience and gather useful data, behavioural patterns and user analytics. This data helps companies justify their marketing spend much more accurately which helps sceptics realize that marketing can be effective. Wanjiru: What's been the response from Kenyan companies? Are people embracing digital? Sonal: With over 26 million internet users in Kenya, and the average Kenyan spending around 6 hours a day on their phone, who wouldn't see the value of digital marketing? You have to be where everyone already is and digital is the only way forward. We find we have to initially educate some of the older, more established businesses on the importance of this. Our younger clients seem to be more forthcoming to the idea. Overall, companies are definitely realizing the need for a clean, multi-platform website, great branding, active social media, customer loyalty programs and customer data in order to stay competitive. Wanjiru: As an SME, what have been the chal-
SME Digest | 33
lenges of starting up in Nairobi? How have you overcome these challenges?
Wanjiru: What advice would you give others thinking of starting their own company?
Arjan: In entrepreneurship, there is no straight road and everyone has to start from somewhere. We started in Sonal's father office to keep costs low, with no employees. There were many times when we contemplated changing direction because it is still quite a new concept, but we stuck the course.
Arjan: Starting a company isn't for everyone. You have to step out of your comfort zone and do what oth-ers won't. You have to self-motived and wake up every day to do something productive. Don't think you know it all because we all make mistakes in the beginning and we are always learning. Remember, always have your head up but nose down. Be humble, be determined and never let anyone put you or your dreams down!
There are times you will work for days on a proposal, attend numerous meetings and believe you are about to close a great contract, and you will be disappointed. But that's the name of the game. You just have to keep going.
SME Digest | 34
Jovago is now Jumia Travel
Find Your Perfect Holiday From as Low as Ksh 900
Africa's N°1 Hotel Booking Website
Published on Apr 1, 2016
As counties develop, the bulk of MSMEs will be hosted there. County governments must, therefore, start thinking about creating an enabling e...


text:
Accession Number : ADP003993
Title : A Survey of Division Psychologists' Experiences,
Corporate Author : LETTERMAN ARMY MEDICAL CENTER SAN FRANCISCO CALIF
Personal Author(s) : Laskow,G. B. ; Rollins,K. D.
Report Date : DEC 1983
Pagination or Media Count : 8
Abstract : The role of the division psychologist has been discussed as that of a consultant. Historically, most psychologists enter a division immediately after their internship, at a time when their self-concept as soldiers, officers, and psychologists is still forming. Due to the low retention rate for AMEDD psychologists, many interns are unable to discuss division psychology with an experienced colleague. Survey results from experienced psychologists were solicited in an attempt to provide pragmatic advice and guidance to anyone entering a division job. The contents of this report highlight some of the problems and potential benefits in a tour as a division psychologist.
Descriptors : *Military psychology, *Psychologists, Surveys, Roles(Behavior), Army, Army personnel, Questionnaires, Job analysis, Symposia
Distribution Statement : APPROVED FOR PUBLIC RELEASE


text:
Why do you like or dislike this movie?
Uploaded: 2015-10-23 Rating: % / Votes
Description: I've been dating this curly blonde for 5 month, but all we did was oral sex and vaginal fucking, no anal at all. I got some advice from an Internet buddy of mine and did exactly what he told me. I started with sliding a finger in my girlfriend's ass, then made it two and finally replaced them with my hard cock when I felt she was ready for it. Her reaction exceeded my expectations - she was screaming of pleasure and demanding I fucked her in the ass like a dirty slut. What a turnaround!


text:
Banat meaning in General Dictionary
The territory governed by a ban
View more
- The area influenced by a ban.
Banat - German to English
Banat meaning in General Dictionary
(n.) The area governed by a ban.
Sentence Examples with the word Banat
In 1872 the Banat regiments followed suit; and in 1873 the old military organization was abolished in the rest of the frontier.


text:
Time has flown and summer's almost over, but we're ending with a bang!
This month began and ends with New York. I spent the beginning of August in New York for the Curve NY tradeshow. It was the first time that I'd done a show on my own, so I was quite nervous. Set up as a one-woman band was a bit daunting, but I got there in the end! The atmosphere was great, and I had two amazing models on the stand Ohwawa and Britt Bradley. They did an amazing job of showing off our goods, and keeping me company :) I had lots of great meetings, and I'm so excited for what's to come! I can't reveal much now - though we did get our first New York city stockist! More on that later - but expect to see more growth in the US and some exciting new projects.
Last month ended with our launch in-store at Nordstrom, the response has been great, and they have been a dream to work with. The lingerie team has been incredibly supportive of the brand, and they featured Nubian Skin on their home page with a #beyondbeige campaign!!! I still get such a buzz seeing our brand on the Nordstrom page :)
I mentioned earlier that Nubian Skin has its first New York City stockist! We are now stocked at Bra Tenders on Ninth Avenue at 44th Street! They are fit specialists, so book an appointment and go pick up your Nubian Skin bra! New York has been a showing us lots of love, so we're happy to bring it closer to home for all of our customers and fans there.
The next exciting thing as we move into Autumn is some major hosiery updates! We'll be launching our hosiery on ASOS and in-store at select House of Fraser locations!! I can't wait for women of colour in the UK to be able to walk into a high street department store and pick up a pair of tights that actually works for them!
I remain incredibly grateful for all the support Nubian Skin receives. The love and encouragement from our supporters really makes all the hard work worth it.


text:
This property has been removed by the agent. It may be let or temporarily removed from the market
Property Description
Letting information:
|Furnished or unfurnished, landlord is flexible
|Added on Rightmove:
|10 November 2016 (257 days ago)
Key features
- Superb location
- Two double bedrooms
- Separate living room and kitchen
- Available from middle of November 2016
- Close to transport links
- Washing machine
Full description
Reliable Homes are delighted to offer this amazing two double bedroom split level first floor apartment which boasts a stylish and light-filled interior with superb features throughout and a fantastic location! This flat is perfect for professional sharers or families.
The property comprises an attractive reception room overlooking Muswell Hill Broadway and a separate kitchen. Early viewing is highly recommended!
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text:
Separate names with a comma.
Discussion in 'Getting Started' started by TinGoat, Sep 23, 2008.
Bunny Situation
That's great!! That took a lot of time to create
That is incredible!! :mrgreen:
Very Bunny
Hey Kids,
I found the video on Impact Lab.
You can find out more on Michael Sormann's webpage.
Apparently, the TPBarracuda is a 6-8-1! :mrgreen: What a fantastic mind that guy has got!
BTW - The Gentleman's Dual, on page two of Impact Labs, is far funnier than the Bunny! :mrgreen::mrgreen:
Or this one: http://www.youtube.com/watch?v=MGllegMKToo
One of my all-time favorites, next to "The Jurassic Fart"! :mrgreen:


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HPM Legrand moves forward with new CEO
HPM Legrand has appointed Tony Berland as the new CEO to take the business forward, following its recent relocation to Prestons in Sydney's south west.
Joining the Australian business after more than 20 years with the Legrand Group, Tony Berland brings a wealth of strategy, sales and marketing experience to the position.
Departing CEO Giuseppe Parola has been responsible for overseeing the HPM Legrand merger, reorganisation of the business and relocation of the head office. He is returning to his home town in Italy to run one of the groups largest Manufacturing facilities.
Moving from Singapore, where he was general manager for South East Asia since 2009, Tony Berland says the business is now in a strong position to go to the market with greater visibility, new products and improved services.
"Over the last few years HPM Legrand has been focused on strengthening its product line-up, staffing and service capabilities," said Tony Berland. "We are using the heritage of HPM as a strong and highly regarded local brand, and the expertise of Legrand as an international brand, to move forward.
"Australia has a very structured electrical industry. There is solid workforce training in place as well as a high level of knowledge and experience.
"The Australian market is also moving away from stand alone products to the promotion of full systems. We are adapting our offers and the business to accommodate these trends. We have to provide our customers with new tools and services including training, software, information on line and we will be working with all our partners to achieve this.


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Very satisified with the report of DMIT. This analysis helps us to understand our potential and capabilities, so that one can choose career in which easily successed. The presentation of report is very simple. The summary at the end is easily understandable to everyone.
Ajit Talekar-26 Years
(Civil Engineer)
Ajit Talekar-26 Years
(Civil Engineer)
About DMIT (Dermatoglyphics Multiple Intelligance Test)
- Dermatoglyphics is the scientific study of the fingerprints.
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Dermatoglyphics Multiple Intelligence Test (DMIT) is a biometric analysis of the fingerprints developed by scientists and medical experts based on Genetics, Embryology, Dermatoglyphics and Neuroscience through methods of observation records, comparison and summarization.
Medical experts confirmed that fingerprints provide accurate analysis of a person's inborn talents. This assessment system analyses the distribution of brain, learning capacity and allocation of cerebral function in a child to provide relevant statistical report of individual innate intelligence and hence allows development of the child in the realm of dominant intelligence.
This can help the parents to understand the innate characteristic and communication mode of their children and provide them the most appropriate learning habit from young age and improve learning ability effectively; also can help the parents to understand the development of multiple intelligence and potential discovery of their children and thus improving their weakness during learning process in order to achieve all round development.


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Vanderbilt filled up its stadium with the most people so far this season that is has seen. That was bound to happen with the biggest game there so far this season with the Florida Gators coming to town. However, most of the fans seem to be from the visiting team.
Yikes. Not a good look for the Vanderbilt fans out there. Maybe they didn't want to get up for an 11 a.m. game. I know I wouldn't.


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Moniuszko - Bagatelle for violin
Moniuszko - Bagatelle for violin. You can download the PDF sheet music
Moniuszko - Bagatelle for violin
on this page. This beautiful excellent violin opus by the familiar genius - is a characteristic sample of repertoire for traditional violin. This wonderful work excite the listeners by the interesting tune of soloist and piano tones with many other violin attributes. This author's sample inspires the string player by strict and plain melodical intonation of composition other specialities.
To view the first page of Moniuszko - Bagatelle for violin click the music sheet image.
PDF format sheet music
Instrument part: 1 pages. 663 K
Piano part: 2 pages. 1077 K
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Download PDF (14.99 €)
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The Roark Instruments R7 is a gaming laptop developed by Roark Instruments, and forms a minor element of the plot of "Chuck Versus the Predator".
Relevance to PlotEdit
- Main article: "Chuck Versus the Predator"
It is revealed at the beginning of "Chuck vs. The Predator " that the Burbank branch of the Buy More was to receive the new R7 before the Beverly Hills branch. Due to this, the Beverly Hills branch employees decided to cover the Burbank branch in toilet paper. When a package containing Orion's Laptop is delivered to the Buy More addressed to Chuck, Lester assumes it is the R7, as it has never officially been seen, and pretends to be Chuck in order to intercept and use the laptop.
Although not actually the Roark 7 computer, the particular computer shown in "Chuck vs. The Predator" is also shown in "Chuck Versus Phase Three", in which, upon seeing Lester says, "You have a Roark 7?" however it was Lester in the first place who believed that the laptop in question was the Roark 7 although never actually seen.
In other episodes however displays are placed in the Buy More of the Roark 7 computer. A picture of the computer is not shown on the displays but the computer thought to be the Roark 7 has a green and black wiry pattern on it, which matches the pattern on the displays at the Buy More, suggesting that the Roark 7 is actually the computer shown anyway.


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Media Day Photo Gallery
PHILADELPHIA - Media Members from the local Philadelphia area and a few national media outlets gathered at Franklin Field on Monday to meet with the 2009 edition of the University of Pennsylvania football team.
As part of the annual Media Day activities, players and coaches were escorted through a series of photo shoots with a series of photographers. In between shoots, several of the Penn players answered questions and discussed the upcoming season with the media.
Though the three-hour media session came to an end before noon, the players will continue with their preseason camp on Monday with an afternoon practice, weight room workouts and several team meetings.
Penn opens its season at Franklin Field on Sept. 19 against No. 5 Villanova at 7 p.m. Many of Penn's skill players remain from the 2008 squad that finished one game behind co-Ivy League champions Brown and Harvard. The Quakers were selected to finish second in the Ivy League and are receiving votes in the FCS' Top-25 media poll.
Season and single-game tickets for Penn football are available through Penn's website at www.PennAthletics.com. Tickets are also available at the ticket office located at Weightman Hall on 235 South 33rd Street, or by phone at 215-898-6151. The ticket office is open Monday through Friday from 10 a.m. to 3 p.m. during the month of August, and 10 a.m. to 5 p.m. starting Sept. 2.


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Clinical Pharmacist job in Greensboro, NC
Showing jobs 1–1
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Cone Health | Greensboro, NC
Application Analyst / PharmacistWe provide exceptional quality, compassionate care and service in a safe, respectful environment.We appreciate each other through honest communication and respect. We inspire ongoing learning, pride, passion and fun.
5 - 7 years experience|
Healthcare IT


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STARmeterSEE RANK
Down 5,441 this week
Abigail Mavity
Abigail Mavity was born on March 4, 1993 in Mesa, Arizona, USA as Abigail Elizabeth Mavity. She is an actress, known for The Onion Movie (2008), Mimi wo sumaseba (1995) and Love Begins (2011). See full bio »
Born:in Mesa, Arizona, USA
More at IMDbPro » Contact Info: View manager


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Letters History of medicine
Understanding the history of medicineBMJ 2007; 334 doi: https://doi.org/10.1136/bmj.39176.447188.3A (Published 12 April 2007) Cite this as: BMJ 2007;334:762
View Full Text
- David Wootton, professor of history
- University of York, York YO10 5DD
- davidwootton{at}starrymessenger.co.uk
Ravichandran says that Andrew Cunningham, in his BBC Radio series The Making of Modern Medicine, tries to make sense of the past in its own terms.1 If we try to understand the past in its own terms we will never make sense of it.
For example,2 …
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Intro to Woodworking Boot Camp - August #2
Mon 8/14 through Fri 8/18, 10am-1pm daily
Our most popular beginner class--5 weeks compressed into 5 days!
Designed for beginners with little to no woodworking experience, this five-session class covers wood physics, shop safety and etiquette, an introduction to joinery concepts, and hands-on experience with both hand tools and machinery. The project for this class is a small side table featuring half-laps, bridle joints, and a round top. This course will give you the confidence and knowledge to work safely in the shop on your own projects and/or to move forward with more advanced woodworking classes. All tools, materials and safety equipment are provided.
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Important: Due to the compact schedule of this program, our usual make up class policy does not apply. All classes are "use it or lose it." For cancellations and refunds, please read our Class Policy here.


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Turbosound Steel Wall Bracket for iQ8 Loudspeakers
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- Steel wall bracket for iQ8 loudspeakers
- Mounts one speaker horizontally or vertically to a wall
- Adjustable angle for optimum audience coverage
Ideal for installations in venues, rehearsal rooms or homes.


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HOPELESS Promises 'Hell On Earth' For INFERNO, Talks MADELYNE PRYOR Costume Change
Marvel and the X-Men have experienced hell on Earth before, but this summer it's become permanent.
In the new Secret Wars series Inferno, Dennis Hopeless and Javier Garron showcase the Battleworld domain of Limbo, where the late 1980s "Inferno" crossover event never ended and only got worse.
Believing that there is still some hope to rescue his sister Illyana, Colossus leads a team of mutants into the Manhattan hellscape to bring her back after five years of captivity. Newsarama recently spoke with Hopeless to find out what awaits Colossus and his team in Limbo when the series launches on May 27, and also spoke about the story's main players, the way he writes young characters, and his thoughts on the now somewhat infamous costume change for Madelyne Pryor.
Newsarama: Dennis, Inferno takes place in the Battleworld territory of Limbo, which is a version of New York that never went back to normal after the original "Inferno" crossover from the late 1980s. How does this compare to the Limbo we've seen in other Marvel comics?
Dennis Hopeless: Well, it's very much growing out of what we saw in the original event. So the island of Manhattan is basically Hell on Earth. It's been possessed by demons and twisted into this dark and evil thing. At the start of our book, four years ago, the X-Men fought the battle with the demons and tried to free New York from this Hell on Earth, and they failed, so they left.
The outer boroughs are actually clean and safe and normal and being run by Cyclops and the X-Men, and there is a big dome force field that covers the island of Manhattan that keeps things from spilling out. So inside that, everything has gotten darker and crazier and more like hell on Earth. We'll find out that a lot of the demon characters and some of the X-characters from the original event have been living inside there and have all been twisted in an infernal image. So unlike the Limbo that we've seen that Illyana goes back and forth to, this is more like a twisted, dark, Hell version of Manhattan.
Nrama: We've seen some twisted Limbo versions of characters like Nightcrawler already. Are we going to see other versions of characters like that?
Hopeless: Yeah, Havok is pretty different from what we remember. In the original story, Havok was Madelyne Pryor's Goblin Prince, and he's had that role for four or five years now. So he's sort of twisted and crazy. And then Colossus has a run-in with his sister early on in the story so he's a little bit twisted. He's not evil, he's not totally possessed, but he has a little bit of darkness in him, too.
Nrama: Speaking of Illyana, we know that the plot of Inferno centers around Colossus leading a team of mutants to rescue his sister. But readers also know that the original "Inferno" story-arc was a turning point for Illyana as a character. Where is she in that journey when Inferno begins?
Hopeless: Everyone but Colossus believes Illyana to be lost. She is straight up Darkchilde, living and ruling here. Colossus believes that his sister's still in there and can be saved. So by the time this story takes place, most everyone has kind of given up on her, but it's this thing that they put up with because Colossus won't let it go, and it's his personal obsession. So Illyana's in a very, very dark place from the perspective of everyone but her brother.
Nrama: Now, you mentioned Cyclops a minute ago. Do he and Jean Grey play a big part in the story? I know we've seen Jean in some of the previews for Inferno #1.
Hopeless: They do play a role. It's Colossus's story. Colossus, Domino, Nightcrawler, and the characters that are in this land are the primary cast. Cyclops plays a large role in the domain of Limbo, the section of Battleworld, and he has his role in the story, but he's not the primary character. And Jean as well. You see their role in the larger world, but they're not primary characters.
Nrama: So does Cyclops rule Limbo for Doom, or does someone else fill that role?
Hopeless: The story sort of pays with that a little bit. It's different at the beginning than it is at the end, so some of that is up in the air, because you have a domain that is partially Hell on Earth, and partially the outer boroughs of New York being run by the X-Men. So there's a power struggle going on there, so at different points in the story, the answer might be different.
Nrama: You mentioned that Colossus, Domino, and Nightcrawler are kind of the big characters of the story. Is there anyone else on Colossus's team of mutants?
Hopeless: Boom Boom is on the team.
Colossus meets big, cool characters in Inferno once they get inside the dome. So the primary cast, especially early on in the series, is that core team of X-Men that go in, and the people and demons that they meet on the inside. And that includes Madelyne Pryor and Havok. A lot of the demon characters from the original event are in there as well. And then we see Cable, but it's not a Cable like you've ever seen before.
Nrama: Is Cable one of the villains that we'll see in Inferno?
Hopeless: Well, Cable was a baby in the original "Inferno" story-arc. He was Madelyne Pryor and Scott's baby who had not yet gone to the future and come back as an older man. So we're playing with the idea that, if Cable was a baby when the initial battle of Inferno happened, he would now be five years old. So you have a kindergarten Cable, basically.
Nrama: Speaking of Madelyne Pryor, I have to ask, what are your thoughts on Marvel changing her look on the cover of Inferno?
Hopeless: It's not just on the cover. Her costume got changed sort of in the middle of the process. It's a decision that I understand. That's what the character looked like in the '80's. That's her classic costume. That's what people recognize, what people remember. But at the same time, you'd never get that costume approved now. It's a very dated look, so I understand. That's what she'll look like throughout. And I think she's still recognizable as Madelyne. It doesn't really changes the story at all So I don't have a problem with it. And honestly, cause I was a little kid when I read this stuff for the first time, it didn't occur to me that that was a weird costume until I saw that cover, and then I was like, "Oh yeah, she's mostly naked." So I think it makes sense. It doesn't bother me.
Nrama: What other villains can we expect to see in Inferno?
Hopeless: Lots of demons, a whole army of goblins. There's a third big villain that shows up that I don't want to spoil. There's a whole power struggle going on both inside and outside the dome, so we're gonna see lots of big villains butting heads.
Nrama: You've written a lot about young characters in tough situations. Does that inform the way you write Illyana at all?
Hopeless: Maybe on a macro scale, like in the end, yes. But like I said, Illyana has aged five years in this very dark role as Darkchilde, so the Illyana that we're seeing through most of the story is already very much set in her ways and very much an adult demon overlord of Limbo here. I guess the answer is no, that's not how I see the character, cause by the time we get there, she's already long gone. She's lost.
Nrama: Tell us about what Javier Garron brings to the table as an artist. What's it like working with him?
Hopeless: It's fantastic. He's the perfect artist for the book. There are lots of big, crazy hell-scapes, and huge splash pages with demons and fire and brimstone coming at you, and he does these amazing, they almost look like renaissance paintings or something, these twisted hell-scapes. So it's really fun to see. And he's also fantastic at reimagining the characters in this new version of the outer boroughs, and the Inferno. He's really good at taking those classic designs and turning them on their head, and playing with what the characters would look like having gone through these different experiences. He's been a ball to work with.
Nrama: Did Marvel bring the idea of Inferno to you, or is that something you've been wanting to explore as a writer?
Hopeless: Marvel asked me if I wanted to pitch it, and I had read it as a kid. And I love Colossus, because I had written Colossus and Cable in Cable & X-Force, and co-created the relationship with Domino, and there were elements there that I saw that I could play with again. Plus, just the idea of having the X-Men going up against demons, they're like robots. You don't have to worry about destroying them. You can kill things. So Colossus can punch through demons' heads, and demons can get cut in half. You can do a lot of really fun, violent, crazy stunts without the moral repercussions. So it just seemed like a really fun opportunity, and it allowed me to re-read some cool stuff I hadn't read since I was a kid.
Nrama: Bottom line, why should fans pick up Inferno even if they're not reading the main Secret Wars series?
Hopeless: It's just a really fun X-Men story. It's X-Men vs. demons. It's all of your favorite X-characters dealing with a giant, crazy threat that they can slaughter. It's a very fun, action-filled book with cool characters being turned upside down in every which way. Honestly, I think the book stands on its own as just a fun X-Men story even if you're not reading Secret Wars because it's sort of self-contained and just exciting and fun.


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Apiece Apart Midnight Sky Luhan Boatneck Shirt Dress
Apiece Apart Midnight Sky Luhan Boatneck Shirt Dress
Final Sale / Non Returnable Belted silk shirtdress in Apiece Apart's Midnight Sky Stripe pattern. APIECE APART is a line of elevated basic building block pieces that are as versatile as the woman wearing them. Apiece Apart was born during a trip to West Texas for the designers' 30th birthdays. Inspired by the austere and beautiful landscape, designers, Starr Hout and Laura Cramer conceived of a simplified wardrobe, one that could be packed into a single bag - simple items that could be mixed and matched to go anywhere and do anything. The line is predominantly produced in New York City. - Pullover styling - Boat neckline - Seamless shoulders - Long cuff sleeves - Front & back center seam - Belted waist tie - Hidden side slit pockets - High side slits at hem - Shirttail slight hi-lo hem - Hits at the shins - Fits true to size - 60% cupro, 40% viscose - Dry clean - Imported - Available in Midnight Sky Stripe Size 2: Length: 40"-41" shoulder to hem | Chest: 19.5" pit to pit | Sleeves: 22" | Slit: 9"
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Myth & Symbol first opened in the Rice Village, one of the oldest shopping districts in Houston, this brick-and-mortar boutique combines craftsmanship and style in their versatile offerings of fashion, accessories and home decor. The shop, founded in 2012 by sisters Trang and Chau Nguyen, has a sweet spot for independent makers and responsible sources — look for brands we love like Rachel Comey and Ace & Jig. In 2017, Myth & Symbol moved online, giving you a 24/7 shopping experience.
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