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Effective Credit Memo - Reporting Effectively in the Credit Memorandum
Product ID: 704504
Training Level: Intermediate
- Duration: 60 Min
Customer Care
Fax: +1-650-565-8542
Email: email@example.com
This training program will explore the underwriting and reporting on commercial real estate, construction loans, acquisition and development loans and multi-family unit loans. In doing so, several samples of proven credit memos will be examined to insure bankers are covering the areas required by the banking regulators.
Why Should You Attend:
After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry.
In writing effective credit memoranda, it is not what you say that commands attention, but how you say it. Credit memoranda serve three functions:
- They provide information on the condition and status of a customer relationship.
- They provide a record of thoughts and actions.
- They support or recommend action.
This webinar will teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers' thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.
Learning Objectives:
- Strengthen their understanding of credit analysis
- Clearly describe the financial impact of changes in financial factors and not just report on what changed
- Interpret financial trends and financial ratios
- Write succinct and focused credit memoranda
- Meet with management armed with relevant questions and issues to be addressed
- Feel more confident in defending a recommended course of action based upon relevant facts and not instinct
Areas Covered in the Webinar:
- Balance sheet analysis
- Income statement analysis
- Cash flow analysis
- Calculating and interpreting financial ratios and cash flow
- Using analysis to determine the financial impact of changes in financial factors
- Questions to raise with the customer after the credit analysis is completed
- Outline of relevant factors to include in a credit memorandum
- How to report your finding efficiently and effectively in the credit memorandum
- Apply the concepts to a study case
Who Will Benefit:
- Commercial Loan Officers
- Consumer Loan Officers
- Credit Analysts
- Loan Review Personnel
- Compliance Officers
- Internal Auditors
- Branch Managers
- Credit Administration
- Loan Operations Staff
Robert Hawkins began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. In May 1981, he joined the Federal Reserve Bank of Atlanta as an assistant bank examiner. He received his commission in 1985 and was promoted to senior examiner in 1991.
In the latter role, Mr. Hawkins led supervisory events at the district's largest and most complex banking organizations. On three occasions, he was chosen by the senior officer group to participate in the Shared National Credit Program which is a joint, interagency initiative that was created to evaluate and assign the appropriate risk ratings to credits, $20 million and above, shared by two or more financial institutions.
In 2004, he was promoted to Assistant Vice President in Community Bank Supervision. In this role, he supervised three examination teams, 25 banks and a myriad of bank-holding companies. He served as an instructor for the Federal Reserve Board of Governors' Credit Risk Analysis School and he was a frequent panelist and speaker. He retired from the Reserve Bank recently.
We are registered with and adhere to the Statement on Standards for Continuing Professional Education programs of the National Registry of CPE Sponsors. Our registration number is 109066. Please check with the governing body of your license and state for specific CPE requirements. Grievances may be forwarded to the company at 650 620 3961. Grievances may also be forwarded to the National Registry of CPE Sponsors-NASBA, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417, 615-880-4200, www.learningmarket.org, e-mail email@example.com.
|Field of Study
|Specialized Knowledge and Applications
|Total Duration - 60 Min
|Total Credits - 1.2
Refund Policy
Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange.
Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time.
If you have any concern about the content of the webinar and not satisfied please contact us at below email or by call mentioning your feedback for resolution of the matter.
We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email firstname.lastname@example.com call +1-888-717-2436 (Toll Free).
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- 24-Week # shares sold: 17,361
DexCom (DXCM) - FREE Research Report Valdes Jorge A who is Cto at DexCom sold 26,600 shares at $33.34 on Nov. 13, 2013. Following this transaction, the Cto owned 144,853 shares meaning that the stake was reduced by 15.51% with the 26,600 share transaction. The shares most recently traded at $33.67, up $0.33, or 0.97% since the insider transaction. Historical insider transactions for DexCom go as follows:

subset: commoncrawl


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Charlee Wagner
Name: Charlee Wagner
Location: Farmington, UT
Charlee Wagner spent seven years as a competitive All-Star Cheerleader where she earned a full-ride to Weber State University in Ogden, Utah. While attending school she discovered aerial arts and fell in love with aerial hammock and pole fitness. Her strength and flexibility from cheer leading allowed Charlee to begin in upper level classes where she quickly excelled.
With her new love and obsession, Charlee began training to become an international competitor. She began overtaking the competition circuit overnight. She prides herself on creating never-before-seen moves that push the limits of flexibility and strength.
Charlee also loves teaching pole, aerial hammock, and contortion. She is a certified pole dance instructor and when she is not teaching at the aerial and pole studio in Utah, she travels the world conducting workshops.
National Aerial Pole Arts 2012 – Tricks Battle Champion
International Pole Masters Cup 2012 – Female Champion
Pole Convention 2012- Bad Kitty Tricks Battle Champion
The North American Pole Dance Championship National Elite 2012 – Champion
Pole Expo Pole-A-Palooza 2012- Champion


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Hi All:
Just see this page. http://wiki.lifetype.net.tw
I learned the layout from WordPress Codex. I really amazing the effect of the layout, feel so professional and friendly
There are really a lot of tough guys in WordPress document team. Hope we can get the a strong document team very soon


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Royal Crescent Hotel & Spa Competition: Terms and Conditions
Win Afternoon Tea & a Spa Day for two
How to enter
Simply answer the question on our competition page and fill in your details. If you answer correctly, your name will be automatically entered into a prize draw to win the Half Day Spa Retreat at The Royal Crescent Hotel & Spa.
The following terms and conditions apply
Entrants agree to be bound by these terms and conditions.
Entrants must be UK residents over 18, not employees (or members of their families) of Bristol Airport, or The Royal Crescent Hotel & Spa, or anyone connected with the prize draw.
The prize draw is open to all qualifying entrants who complete the competition question complete with your name and email address to sign up to our Rewards e-newsletter to 'Win Afternoon Tea & a Spa Day for two' before the closing deadline. No purchase is necessary.
Only one entry per person and one per household is allowed and each unique e-mail address qualifies as a single entry. Duplicate entries will not be considered.
There is only one prize for the winner. There are no runners' up prizes.
The prize comprises of: a one hour Spa treatment followed by Afternoon Tea and a glass of Taittinger champagne for the winner and a guest.
- The prize may change at any time and without notice. The prize must be accepted as offered and is non-transferable. No cash alternative will be offered.
The prize draw closes at 23:59 hours on 8 January 2017.
Entries received after the closing date and time will not be included in the prize draw. Incomplete entries and entries from third party agents or bulk entries will not be eligible for the prize draw.
Bristol Airport will not be responsible for any entries that are not received by it for any reason, by the closing date and time, whether lost, delayed, corrupted or otherwise, and whether or not due to any technical difficulties or malfunctions. Proof of transmission of entry is not proof of receipt.
The prize draw winner will be selected at random from all qualifying entrants by Bristol Airport.
The judge's decision is final. No correspondence will be entered into.
If the winner cannot be contacted within 72 hours of the draw, Bristol Airport reserves the right to re-select the winner at random from all other qualifying entrants.
We will contact the winner by 19:00 hours on 10 January 2017 together with details of how to redeem the prize.
The winner will need to produce means of identification, proof of age and permanent UK address in order to claim the prize.
The prize draw promoter is Bristol Airport, Administration Building, Bristol BS48 3DY.
Bristol Airport reserves the right to alter, amend or withdraw the prize draw or these terms and conditions without prior notice.
These terms and conditions are governed by English law.
The voucher is valid between 1 February 2017 - 31 October 2017 and is subject to availability.


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There is a BOGO 50% off sale at Walgreens this week on Maybelline Expert Wear Eye Shadow Singles. Also, if you spend $15 you will receive 3000 Balance Reward Points. There is a store coupon in the Walgreens May Coupon Booklet as well as a printable available. You can get them for only $.85 after sale and stacked coupons!
At Walgreens:
BUY TWO MAYBELLINE EXPERT WEAR EYE SHADOW SINGLES – on sale BOGO $3.79
use one $1/1 Maybelline Eye Shadow Walgreens May Coupon Booklet (will deduct $2)
use two
$1/1 MAYBELLINE® NEW YORK Product (coupon cannot be redeemed on Baby Lips or Color Show.) printable (direct link)
Net Price: $1.69 ($.85 each!)
Thanks Wild for WagsExtreme Couponing Tip: You can usually get two prints of most internet coupons. To find them in the easiest possible way, use our preclipped links that take you right to the coupon. Then come back and click the same link to get your 2nd print. This will save you the time spent searching for the coupon.
Never miss another hot coupon, deal or freebie again! "Like" Couponaholic .NET on Facebook, Follow us on Pinterest, Follow us on Twitter, Follow us on Instagram or Subscribe to our Daily Email Newsletter!


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Espresso and Coffee Grinders
Every dynamite cup of espresso or coffee starts with a dynamite grind. Consistency, texture, size - it all matters. Whether you are new to the world of espresso or have been making the perfect cup of coffee for as long as you can remember, fresh coffee grounds are the first step.
Take your pick from our curated collection that includes everything from entry-level coffee grinders to precision-designed espresso grinders. With video tips and reviews of each grinder, you too can master the daily grind!
Learn More about Coffee Grinders
Mazzer Mini E Espresso Grinder - Type BThe Mazzer Mini Electronic Grinder looks like an art deco cross between a gum ball dispenser and a Peugeot. You were thinking it too, right?! A wonderfully goofy mix of industrial chic and utilitarian goodness together in one bean grinding package. It has a stepless grind adjustment and while it doesn't have a traditional dosing hopper, it still has programmable dosing so filling your portafilter using the Mazzer Mini has never been easier. Learn More$1,095.00
Out of stock
Mazzer Mini E Espresso Grinder - Type AThe Mazzer Mini Electronic Grinder Type A is perfect for your home or office space. It has a stepless grind adjustment and while it doesn't have a traditional dosing hopper, it still has programmable dosing so filling your portafilter using the Mazzer Mini has never been easier. Control the dosing via simple buttons for single or double doses of espresso. The new set up also has a volume option and digital display on top of the Mazzer Mini's coffee funnel. Learn More$1,095.00
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Mazzer Mini Espresso GrinderThe Mazzer Mini Flat Burr Espresso Grinder V2 is widely appreciated as a commercial-grade, high quality grinder suited for small cafes, restaurants and home users who want a professional edge. Mazzer's latest version of the Mini Flat Burr Grinder includes a shorter bean hopper, stainless-steel grind tray and a power cord that comes out of the bottom rather than the side. Learn More
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Mazzer Super Jolly Commercial Espresso GrinderImpress your caffeine-loving customers with a Mazzer Super Jolly Low RPM Commercial Burr Grinder on your counter. It's designed with top-of-the-line functionality that can handle grinds for hundreds of cups of coffee a day. The Super Jolly is an ideal grinder for every coffee style from super fine to exceedingly coarse. Mazzer gave its Super Jolly a stepless adjustment control, which allows for on the fly adjustment of the grind, plus a doser that allows between 5.5g and 9.0g of grounds to be dispensed at a time. Learn More
Regular Price: $1,000.00
Out of stock


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Linked quests in the series:
INSTANCE: Into the Silver Deep
INTRO: Return from the Lonely Mountain
INTRO: Sharpen Your Skills
INTRO: Guards of the Silver Deep
INTRO: Dark Places
INTRO: Gormr's Deeds
INTRO: Goblin Prowlers
INTRO: Goblins in the Crags
INTRO: Skorgrim's Tomb
INTRO: Goblins in the CragsGeneral Quest
Dwalin has been talking things over with the Elves, and has learned that Elrohir, son of Elrond, is exploring the Mirkstone Tunnels nearby. He is trying to gather more information about the Dourhand's plans as well, and Dwalin would like you to speak to him.
1. Talk to Elrohir
The Mirkstone Tunnels are found at the top of the Axe-head Path, north-west of Frerin's Court. Logically, then, head northwest from Dwalin's location. You may wish to stop and talk with the elven lady Erynwen on the way (14.8s 103.6w), to pick up her quest "A Deadly Bloom", as the plants she seeks are along the path you will travel.
Cross the frozen river and take the path that leads up the hill. If you are hesitant about fighting large numbers of goblins, this is a good time to form a fellowship with a few others who are on this step. There are a LOT of goblins on the path, and more inside the tunnels.
When you have reached the entrance to the Mirkstone Tunnels, go on in - no point in letting goblins respawn on top of you! It is quite safe near the entrance, inside.
Are you ready? Head straight in, bearing a little to the left. You will go down a short slope. At the bottom is a t-junction, at which you will turn right (if you go left, you may run into the Goblin Chieftain instead, if you've a mind to take him on).
Follow the path straight on past a number of goblins - while they are only level 3 and 4, do not let too many attack you at once, for they are powerful in large numbers. If you are soloing, move slowly and deliberately clearing the way.
Soon you will see what can only be Elrohir in the distance, surrounded by dozens of dead Goblins. He knows his way around a sword pretty well, for an Elfink.
2. Bring the letter to Dwalin
Speak to Elrohir and collect letter he has found, penned by one Marrec. in it, he speaks of a dark master, and of returning the dead leader of the Dourhands to life.
Elrohir plans to forge ahead to a tomb where he thinks foul deeds may be afoot. He urges you to return to Dwalin with the letter, and to tell him that Elves and Dwarves must unite to drive the treacherous Dourhands from Ered Luin.
Retrace your steps back through the goblins and return to Dwalin.
You are about to embark on the final step in this adventure.
Special thanks go out to Brasse for providing this quest writeup!
Brasse has entered 66 LOTRO quests.


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i have been doing a self stimulation since i was 16years.
now iam 25 years.Now iam hardly getting any errections.
does my sexaul power ahs gone down . .?
how do i know what the status of mine . . ?
please answer thanks
errection problem
Hi,READ MORE
Hi s.rahee,
There are a couple shareposts online written by the resident experts that address this issue and issues similar to this one in young people like yourself. While online sites are great places to get information to help you ask all the right questions when you see your doctor, they can not take the place of your doctor's solid medical advice. If you think you are having a medical issue that needs to be addressed, you should see your doctor.
Here is a link to a posting that describes erectile dysfunction. Dr Jay Motola discusses a similar issue with a young man in this question and answer forum.
There is also something called situational erectile dystfunction that affects men who are younger. Dr David Knowles has written an article about it after he got a question from a 22 year old with a very familiar problem to yours. You can can read the entire message here. BrendanS also gives a link or two to a young man that will help explain some of the symptoms of ED and the suggestions for seeing a doctor.
Online sites are great places to find the information you need to ask all the right questions, but they can not take the place of your doctor's sound medical advice. If you think you have an injury or an issue that needs medical advice, you should probably see a doctor.
There is alot of information here that you might find helpful. You can read about erectile dysfunction, the causes and conditions here. There is also a good article here called The Ten Tips for Men's Sexual Health.
Stress can cause erectile dysfunction as listed here in the symptoms checker. You can read more about causes and symptoms here. You can also read about stress and lifestyle issues that can cause erectile dysfunction here. John Riddle also wrote a very good article about how to tell when it's erectile disfunction. You can read that article here.
I hope you find something in this information helpful. Please stay in touch and let us know how you and the boyfriend are doing!
Vicki M
FROM OUR COMMUNITYYou should know Answers to your question are meant to provide general health information but should not replace medical advice you receive from a doctor. No answers should be viewed as a diagnosis or recommended treatment for a condition. Content posted by community members does not necessarily reflect the views of Remedy Health Media, which also reserves the right to remove material deemed inappropriate.DISPLAY TEXTLINK URL
Most PopularQuestions and Answers7 Questions About Erectile DysfunctionHistoryA Hepatitis C Timeline


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About me? Well...
I take it as it comes and avoid drama as best I can. I'm easy going, friendly, responsible, creative, love my family, take pride in my goofy friends, and take every opportunity to expand, learn and grow.
I love to laugh, usually at myself, and at you given the opportunity. No wait, that's I laugh with you, WITH you. I posses a nurturing, generous spirit, balanced with, you guessed it, a dry and at times sarcastic sense of humor, and am seeking same.
I'm Head of Product Design at a tech firm. I live a healthy and active lifestyle (workout 4/week), hike, swim, cycle. I find calm in nature, am a descent cook, and can't do without live music and travel.
Ladies, no hook-ups, please.
In all seriousness, a casual start to see if there's a spark, and ultimately love, friendship, commitment and all that jazz.
Can I freshen that drink for you? No.
Well, thanks for stopping by. I wish you health, love and laughter, the rest you can buy.
Benjamin Franklin: An American Life, American Tabloid, Stranger In A Strange Land, The Big Sleep, Love In The Time of Cholera, A Visit From the Goon Squad, Hokusai and Hiroshige, Erte.
Lawrence of Arabia, Blade Runner, The Big Lebowski, Fight Club, Serenity, Almost Famous, Amelie, Pulp Fiction, Chinatown, Godfather, Juno, Rushmore, Casablanca, Rear Window.
This American Life, Wait Wait Don't Tell Me, Click and Clack, All Things Considered.
Penny Dreadful, Peaky Blinders, The Wire, Justified, The Gary Shandling Show, Entourage (guilty pleasure), West Wing, Game of Thrones, Louis, Extras, 30 Rock.
Muse, The Black Keys, Radiohead, Amy Winehouse, Led Zeppelin, Rolling Stones, Queen, The Police, Ray Charles, Pink Floyd, Stereofonics, Stevie Ray Vaughan.
Sushi, lamb curry at Dosa, Daikon rice cakes at Slanted Door, Memphis Mini's BBQ, watermelon - yeah I said it, roasted seaweed, duck at Prospect, tomatoe sangrita at Tacolicous, etc, etc.
2. Leica Typ 260 (fancy camera that I take everywhere)
3. Live music
4. Exercise - and so should you
5. Change. The only constant is change, so best embrace it and go with the flow.
6. Passport


text:
Latest news on 3142
all photographs on this page are by John Piper unless otherwise credited
On the evening of 24th June 2016 one of our Driving Motor Brake 2nd cars, S11187S, was used for a private charter on the East Kent Railway by the Preserved Locomotives Enthusiasts Group (PLEG).
(above) Our wonderfully preserved train is seen at Shepherdswell prior to departure, note our modern publicity in the destination board brackets!
(below) Departing Shepherdswell and over the manually operated level crossing across Eythorne Road.
|(above) The interior lights now work on this car and this photograph was especially taken whilst in Golgotha Tunnel to illustrate this. photograph by Ashley Saunders.
(below) The train slowing down in the platform at Eythorne.
|(above) The car is driven from the cab but pushed in the north eastern direction, hauled by the diesel locomotive in the south western direction, and is seen here entering the platform at Shepherdswell.
(below) The driver, more pertinently our Preservation Director, Ashley Saunders removes the headcode stencils prior to putting the coach to bed. Ashley does not have to do this on the Networkers and 375s he drives!


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NORRISTOWN Ś Incumbent candidate Matt Bradford (D-70th Dist.) spoke on a number of topics including property tax reform and issues involving the Corporate Net Income (CNI) tax while also reflecting on his previous accomplishments and plans to continue to serve his constituents when he spoke to Times Herald editor Stan Huskey for another installment of Politically Direct.
ō(The 70th District) is a very diverse district, running all the way from Harleysville to Norristown, so the issues are diverse but there are a couple of key ones that come up at almost every door youÆre at,ö Bradford explained.
According to Bradford, several of these issues are at least partially related and include property tax, environmental issues, especially relating to Marcellus Shale drilling, and school funding.
ōI think with Gov. Corbett having come into office with really a different agenda in terms of how he deals with public education, the cuts towards public education, increasing class sizes, putting more pressure on the local property tax,ö said Bradford. ōWe need good schools and we need to make sure that we are not putting the cost disproportionately or overburdening the local property tax.ö
In order to alleviate the burden of increasing property tax costs, Bradford believes that changes are necessary. However, the controversial HB 1776, which would replace property tax with increases in both sales tax and income tax, would not generate enough revenue bridge the gap, according to Bradford.
ō1776 doesnÆt come up with enough revenue to do total property tax elimination and I think we need to do total property tax elimination. I think what we need to do, though, is target it for primary residential properties,ö Bradford explained. ōIf we are going to raise the income and sales tax on individuals, then the relief has to be for individuals.ö
Bradford went on to explain that a bill similar to what he described would require an amendment to the state constitution and has already been approved by the House and is currently in discussion by the Senate.
The stateÆs CNI tax rate was also discussed and led to a larger discussion on necessary reform to close loopholes that provide some corporations tax-related benefits while punishing others as a result. Specifically, Bradford mentioned the ōDelaware Loophole,ö which allows corporations to avoid paying income tax in Pennsylvania by having at least a small portion of the business in Delaware. As a result, smaller businesses suffer due to the costs of maintaining multiple properties. Removing this and other loopholes would dramatically lower the tax rate, Bradford asserted.
ōThe broader the base, the lower the rates. What weÆve done because of an inequity that is so big you could drive a truck through, we then wind up with a CNI nearly, 10 percent, that is way too high,ö said Bradford. ōAgain, itÆs an idea that Democrats and Republicans share. ItÆs just one of these things that if youÆre one of these businesses that are able to take advantage of the Delaware Loophole, why would you want to ever close it because, frankly, itÆs in their best interest. The status quo works to their advantage.ö
Finally, Bradford reflected on his accomplishments over his first two terms, especially those relating to improvements made to schooling and public education.
ōWorking with Gov. Rendell in my first term, we saw historic increases in education funding. We started to close the inequities between the wealthiest school districts and the poorest,ö Bradford said. ōWe saw tremendous increases in student performance. We proved that things like Pre-K, full-day kindergarten, things like that work.ö
Bradford also touched on his plans to continue to improve the 70th District by helping to grow the economy through job creation and credits for the businesses willing to create those jobs.
ōLetÆs not kid ourselves. All of our problems are largely solved by a thriving, good economy and I believe that and I think that is a bipartisan agreement,ö Bradford said. ōIn times like this, we need to think outside the box and we do need to give relief to employers who are willing to hire new people in Pennsylvania.ö
Follow Tony Fioriglio on Twitter @TheTonyFiorigli.


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Plenty of Room in the Cloud for Cisco Solution ProvidersPartner
This post is the fourth in a series we're featuring from Amazon Consulting, a partnering services firm dedicated to helping companies elevate the impact of partnering.Read More
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Partner Advisor agents help Registered and Select Certified Small Business partners with on-boarding and deal support, promotions, marketing, and financing.Read More
Cisco Talent Fair: Helping Partners Fill Talent Gaps and Tips for Hiring the BestPartner
To help Cisco partners fill gaps in their talent, Cisco partnered with CareerBuilder to set up 3 Talent Fairs in the Southern US region. Read on for tips on howRead More
Learn How to Present Visual Stories that Captivate Any AudiencePartner
Presentations are the currency of business communications. Master communicating with audiences and reach more customers. Join us for a live broadcast as we host THE authority on giving presentations NancyRead More
Healthy Competition Makes Us StrongerPartner
We embrace healthy competition with competitors such as Avaya, HP, Huawei, and Juniper Networks. Each of our competitors brings its strengths, innovations, and programs to address a variety of customerRead More


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For sale by bailey olusegun - VERIFIED SELLER VERIFIED16 Feb 10:12 amEgbe Idimu, Lagos
Bailey footwears is a specialized manufacturer lovely nigeria handmade shoes. We make office shoes, boots, high hill for woman, slippers, sandals etc.... we also do repairs of your old shoes and if you have a shoe that you design by yourself, let see it and we make your dream comes true.
We have 10 years' experience in the history of shoe making, We integrate the research and development, production and distribution of shoes.
We select good raw material for every pair of shoes with heart. We believe that good products and reasonable profit will bring us repeat order. Steady product quality and good relationships with customers will bring us a good reputation. All of these will greatly economize our cost.
Our Principles:
1. Only good and qualified products will be sent to our customers
2. Deliver the goods on time
3. Low reasonable price to earn repeat order
We sincerely hope to cooperate with customers all over the world
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Holler Loudly
Holler Loudly
By Cynthia Leitich Smith; Barry Gott (Illustrator)
Dutton Juvenile, Hardcover, 9780525422563, 32pp.
Publication Date: November 11, 2010
List Price: $16.99*
* Individual store prices may vary.
Buy at Local Store
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Not Currently Available for Direct Purchase
Holler Loudly has a voice as big as the southwestern sky, and everywhere he goes, people tell him to "Hush!" From math class to the movies and even the state fair, Holler's LOUD voice just keeps getting him into trouble. But when a huge tornado comes twisting into town, Holler (with that voice of his!) saves the day.
Readers will cheer for this rollicking story about celebrating our unique gifts, and Barry Gott's bright, fun illustrations will have you hollering for more.
About the Author
Cynthia Leitich Smith lives in Austin, Texas, with her husband, Greg.
Barry Gott lives in Cleveland, Ohio, with his wife, their two children, and their cat, dog, and gecko.
Barry Gott lives in Cleveland, Ohio, with his wife, their two children, and their cat, dog, and gecko.


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Housekeeper in Newport News
Hello my name is Stephanie Blume. I've been cleaning for 10 years now. I've done new construction cleaning, houses, and offices. I actually started with my mother whom owned her own business when I was eleven years old. Trust me she didn't cut me any slack either. However that turned out to be a good thing because I learned alot. Throughout the years I cleaned for a couple of different companies while raising three kids. Now my youngest is in college and I'm starting my own business. I do deep cleaning to small jobs. It all depends on your needs for your home. I give every home the TLC that I would give my own home. I charge great prices. Call me for your free consultation today, 757-776-.... Thank you.
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Bathroom Cleaning
Kitchen Cleaning
General Room Cleaning
Oven Cleaning
Refrigerator Cleaning
Cabinet Cleaning
Surface Polishing
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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
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After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
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We think we've got a problem with a drain - the ground is waterlogged and the corner of the...
Happy to recommend. Did the work exactly as required and knew what he was doing.
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By Bob Minzesheimer, USA TODAY
A new crop of picture books for young readers blooms with all kinds of nature lessons, as this USA TODAY writer discovered.
Yucky Worms
Thanks to a grandmother who does not mind getting her hands dirty, a young narrator learns why those "slimy, slithery, wiggly" worms he wants to throw away are a gardener's best friend. Among the lessons: how to tell which end of a worm is which, and how these natural recyclers use muscles and bristles to get where they're going. With Jessica Ahlberg's wry drawings in pencil and gouache, Vivian French tells both a gardening adventure and offers underground facts, including helpful hints on how to become a "wormologist."
My Garden
Talk about secret gardens. A little girl in a big sun hat dutifully helps her mother by weeding, watering and chasing away lettuce-munching rabbits. But with an imagination as wild as the weeds, the girl envisions her own garden. Flowers would never die and rabbits wouldn't threaten the lettuce because "the rabbits would be chocolate and I would eat them." Kevin Henkes, who won the Caldecott Medal (for best picture book) for Kitten's First Full Moon in 2005, beautifully matches his spare words with bursts of watercolor and ink.
Starting in the "mud month" of March, the rhythms of the seasons on a busy family farm are traced in Elisha Cooper's lovely series of panels done in watercolors and pencil. His drawings and writing are deceptively simple. But there's a lot more going on here than you might think at first. A tractor can be fixed, but not the weather. Cut hay "smells like summer," but a nearby cellphone tower "doesn't smell of anything." As for the girl and boy on the farm, "Morning chores would be better if they didn't happen every morning."
Bag in the Wind
On a cold, windy morning in early spring, a bulldozer pushing garbage around a landfill uncovers an empty plastic bag — "a perfectly good bag, but someone had thrown it away." The bag is borne by the wind on a quiet adventure. The story of how it flies into and out of several lives, including a homeless man and a shopkeeper, is told simply told in prose by Ted Kooser, the Pulitzer-winning former U.S. poet laureate, in his first picture book. It's about interconnections, even the ones we don't notice. A lesson about the environmental costs of plastic bags is reserved for a two-page note that follows the story, which is beautifully illustrated by Barry Root's gentle watercolors. Good reading for the 40th anniversary of Earth Day on April 22.
Guidelines: You share in the USA TODAY community, so please keep your comments smart and civil. Don't attack other readers personally, and keep your language decent. Use the "Report Abuse" button to make a difference. Read more.


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ZF China Recruiting Platform is on-line!
ZF China has launched its official Recruiting WeChat account! Here you will find the fresh news, latest technology and various recruitment activities from ZF.
As a global leading supplier in driveline and classis technology as well as active and passive safety technology, ZF always focusses on improving the mobility for the future. With the diverse portfolio of products, balanced market penetration, financial independence, ZF is devoted to the leader of technology and cost. Furthermore, employees are our first priority, we are only successful if our employees are motivated and can do their work in a productive environment. It is not only an important part of our core values, but also the basic of being globally attractive employer.
You will get to know more about ZF in China through this new WeChat recruiting platform. Please pay attention to our further news!
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Hello and welcome to the idyllic village of San Stefanos and the picturesque island of Corfu.
You'll find Nondas Apartments set on a quiet hillside overlooking the sea. This tranquil haven is a short walk from the main village and all the amenities that go with it. Small and friendly, whilst offering you everything you'd need for a wonderful holiday. Nondas is made up of 11 Apartments, a heated swimming pool and pool bar. As a family run business we pride ourselves on being able to help our guests with their every need. Sally the English side of the operation helps keep everything running smoothly, helping with everything from the booking to the cleaning!
Don't forget Nonda's isn't available with any tour operator. By staying independent we believe we can offer our guests a better, cheaper and more personal service.
Nondas Lissaris


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Bangladesh, seeking their first win against a major country, set New Zealand 317 to win the first Test after the home team were bowled out for 242 in their second innings here on Monday.
New Zealand reached seven without loss at lunch on the fourth day and must now bat out the last two sessions today and three on the final day on Tuesday -- an overall 154 overs -- to force a draw or put up their best-ever chase.
At the break, openers Jamie How (six) and Aaron Redmond (one) were at the crease.
Earlier, tail-enders Mashrafe Mortaza (44) added an invaluable 40 runs for the ninth wicket with Abdur Razzak (18) and another 22 for the last wicket with Shahadat Hossain (nought) to help Bangladesh set a formidable target.
Resuming at 188-8, Bangladesh's ninth-wicket pair frustrated the New Zealand attack as they prodded their way to consolidate the lead until paceman Iain O'Brien had Razzak caught in the slips for 18.
Mortaza hit seven boundaries during his 87-ball knock and took the lead beyond 300. He was finally stumped by Brendon McCullum off part-time bowler Redmond to finish the home team's second innings.
Left arm spinner Daniel Vettori followed his 5-59 in the first innings with 4-74.
The Black Caps have successfully chased only one target of over 300, making 324-5 against Pakistan at Christchurch in 1994 but their best match-winning chase away from home is 164 for 4 against Australia at Perth in 1985.
They can however take heart from having batted out 135 overs to draw a Test against India in Mohali in 1999.


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Moscow: It will be all-Russian affair in the men's and women's Kremlin Cup finals. Top-seeded Nikolay Davydenko beat Fabrice Santoro of France 6-4, 6-1 on Saturday and will play either Marat Safin or Igor Kunitsyn, while Nadia Petrova will play Anna Chkvetadze on the women's side. The sixth-ranked Davydenko, the 2004 champion, has not dropped a set on his way to his sixth final this season and will be chasing his fourth title this season. Davydenko won six consecutive games in the second set to close it out in nine minutes. The fifth-seeded Petrova beat eighth-seeded Czech teenager Nicole Vaidisova 6-0, 4-6, -6 (3), while Chakvetadze upset fourth-seeded Elena Dementieva 7-5, 3-6, 6-0 in Saturday's semifinals. Both players will be looking for back-to-back titles. Petrova won the Porsche Grand Prix in Stuttgart, Germany, last week and is seeking her fifth ttle this season. Chakvetadze won her maiden title at the Guangzhou Open, China, two weeks ago. Two-time runner-up Dementieva has leveled the match at 1-1 with a break in the eighth game. "I've made too many unforced mistakes while she played the key points confidently," Dementieva said. The 17-year-old Vaidisova led 2-1 in the second set when Petrova, whose left hip was bandaged, took a time-out to get her other hip bandaged. "It was difficult and very painful," Petrova said. "At some point I thought I would not be able to finish the match. I really wanted to be in the final in Moscow for the first time and that goal has helped me to stay on." She resumed and lost three consecutive games to be down 5-1. Petrova won the next three games, but Vaidisova leveled the match at 1-1. Vaidisova saved six match-points on her serve in the ninth game of the third set. Petrova, who had never made it past the second round in her six previous appearances in Moscow, saved a breakpoint before both held serve to force the tiebreaker. "I had a chance in her game on a breakpoint, but she served well on crucial points today," Vaidisova said. Vaidisova was 3-5 down and put two backhand returns wide to lose the match. "In the tiebreaker, I think I cooled down a little bit and tried to play point by point and that helped me to finish off the match," Petrova said. (AP)
Topics : Tennis Nikolay Davydenko
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Bob Marlin and the members of his Louisiana-Lafayette men's basketball squad aren't used to being picked in the second division of the Sun Belt Conference.
But they're also not too concerned about their seventh-place selection in the 12-team coaches' preseason poll announced Wednesday.
"It's preseason," said junior forward Bryce Washington, one of three returning starters from last year's 19-15 squad. "You can never tell who's gonna be the best. What it does, is everybody's gonna have a chip on their shoulders now."
"We're going to take that, and show everybody we're better than that," said point guard Jay Wright, the only senior on this year's Cajuns squad and the only UL-Lafayette player picked on the 15-player preseason all-Sun Belt team selected by the league coaches.
Marlin, entering his seventh season, said that the poll is a reflection of his team having lost the likes of Elfrid Payton and Shawn Long over the past two years. Payton was a top-10 pick in the NBA draft after his junior year in 2015, and Long departed as the school's and Sun Belt's leading career rebounder last spring.
"I was trying to get us picked 12th," Marlin said Wednesday during the Cajuns' media day. "I know it's for the fans and the media. Once the season starts, people tend to forget about the poll."
That season gets underway in two weeks when UL-Lafayette meets West Florida in a Thursday, Nov. 3, exhibition game at Blackham Coliseum. The Cajuns will play their first three regular-season home games before moving back into the fully-renovated Cajundome for a Dec. 1 game against Nicholls State.
The first public scrimmage is Thursday, Oct. 27, with the Red-White Game set for 6:30 p.m. at Blackham Coliseum.
The departure of Long, a four-time All-Sun Belt pick who averaged 18.9 points and 12.1 rebounds as a senior, and second-leading scorer Kasey Shepherd (11.4) leaves the Cajuns searching for both scoring and rebounding. But Marlin pointed out that UL-Lafayette is the Sun Belt's only team with three two-year starters returning in Washington, Wright and junior guard and Christian Life product Johnathan Stove.
The Cajuns are the only Sun Belt team to finish in the top four in the standings and reach the semifinals of the conference tournament in each of the past three seasons.
"We feel pretty confident about where we are," Marlin said. "We've been the most consistent team in the league the last four years, and a lot of that is because of those three guys. They're the leaders, they're the team captains. It's their team now."
All three returnees averaged almost exactly nine points per game, and all three said it will be a different Cajuns team this season.
"We're definitely going to play a lot faster than we did last year," said Stove, who averaged 8.9 points and usually drew the toughest defensive assignment. "There are going to be more lanes for us to drive, but defense is going to be much more our identity."
UL-Lafayette was one of the few Sun Belt teams with a dominant postman last season, and the league figures to again be guard-oriented with 11 of the 15 preseason all-league picks in the backcourt. The Cajuns will likely join that guard-oriented group, with the 6-foot-6 Washington (8.7, 5.7 rebounds) the only returnee with significant playing time on the front line.
"With Shawn in there, getting 25 and 14 every night, we had to make sure to get him the ball," said Wright (8.9, 3.5 assists). "This year, our ball movement's been better in practice, we're a lot more familiar with the plays we're running, and I know I'm in a lot better shape."
Competition for the other starting spots and for time in the playing rotation has been fierce through the team's first 12 practices, Marlin said. Christian life product Frank Bartley IV, a transfer guard from BYU who sat out last season, is the front-runner at the other backcourt slot. Sophomore Scott Plaisance will likely battle with 6-11 transfer Larenz Stalcup and freshmen Justin Miller and Jerekius Davis for the other slots.
"Competition has been great in practice," Marlin said. "They get a little chippy at times, but they're excited to be in the gym. We're at practice No. 13, and it's probably time for us to have a bad practice, but we haven't had it yet."