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Are Banks Ready for the Next Generation Customer?
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1 Are Banks Ready for the Next Generation Customer? September 2010 A Survey Report on Gen-Y Banking by Efma and Oracle Financial Services
2 Contents Executive overview 4 Banking with Gen-Y why are they important and what are they looking for? Survey results and analysis 9 19 Banks with Gen-Y strategy and presence 24 Conclusion 29 About us 31
3 Preface European Financial Marketing Association (Efma) and Oracle Financial Services are pleased to present this report on Generation Y (Gen-Y) banking. Over the past decade banks have been forced to look for new revenue streams as new business models, technological innovations and non-traditional competition have transformed the banking landscape. Amidst all this change, a new generation has come knocking on their doors. They are in the age group of 18 to 30 years and often called Gen-Y or the millennials. Deloitte refers to them as catalysts of change, KPMG predicts that they will be tomorrow s accumulators of wealth and Aite has termed them the generation that banks cannot afford to ignore. According to Javelin Strategy and Research 2009, by 2015, in the U.S. alone, their annual spending is expected to be over USD 2.45 trillion. By 2018, their projected income will be about USD 3.39 trillion annually. By that time, their income will surpass that of the Baby Boomers and will close in rapidly on that of Generation X. Gen-Y is so different from their predecessors that banks must understand their needs, if they want them as their customers. Banks will need to use an approach distinctly different from anything that they have been accustomed to in the past. The imperative is that as the economic power of Gen-Y expands its members will change how financial transactions are conducted together with patterns of spending, saving and investments. Key executives in the top 100 retail banks in EMEA like CEOs, CIOs, SVPs, Heads of Operations, General Managers and Product Managers of Youth Banking have responded to this survey. We hope the report will offer an insight into how leading banks are addressing the next generation s requirements. We also hope that it will also help retail banks reflect on the strategies they need to adopt to connect and engage with the Gen-Y. N R K Raman Managing Director and CEO Oracle Financial Services Software Limited Patrick Desmarès Secretary General Efma
4 Executive overview (Gen-Y) constitutes a sizeable proportion of banks customer base. Over half the banks who responded to the survey claimed that about 10 to 20 percent of their existing customers were in the Gen-Y category. Around 30 percent of the banks claimed to have about 20 to 40 percent Gen-Y customers. Engaging with Gen-Y needs a dedicated strategy. As members of Gen-Y are different from other customers, banks have designed specific strategies to win them over. Our survey revealed that about 31 percent of respondents have a dedicated Gen-Y strategy in place, while 38 percent said they were in the process of designing a well defined Gen-Y strategy. Banks use social media for marketing and reaching out to their customers. Only 37 percent of the respondents said that they did not have any presence in the social media. A vast majority of respondents (63 percent) use social media or planned to use it over the next 12 months. Institutions have used the media to launch new products, make announcements and drive new conversations with their customers. Great banking experience is one of the cornerstones of the Gen-Y engagement. Enhanced customer experience is the key to attract Gen-Y customers. Only 8 percent of the banks surveyed provided exceptional service to their customers. 54 percent of banks surveyed said they provide a good banking experience to their customers while 36 percent claimed they provided a satisfactory banking experience. Banks with a defined Gen-Y engagement plan interact differently with their customers. Banks engaging with Gen-Y customers have introduced new offers suited to their needs. These include innovative products and services, special interest rates, no fee transactions, customized and bundled products. These banks showed more interest in using the social media as compared to those who were still planning their Gen-Y engagement or those who did not have a Gen-Y engagement plan. About 85 percent of the respondents acknowledged social media as a key channel for engaging with Gen-Y. These banks were keen on modernizing their retail banking applications unlike banks that did not have a Gen-Y strategy. 4
5 Time to launch new products in the market is a key differentiator. Only 4 percent of the banks confirmed that they could launch a new product in a week. A majority of the respondents, about 41 percent, took one to three months to launch a new product, while 24 percent said they could launch within a month. Banks that had a dedicated strategy for Gen-Y focused on quick product launch times. The majority of the banks who had launch times of less than a week had a Gen-Y focus. Conversely, the majority of banks that had product launch times of more than 3 months did not have a Gen-Y focus. 5
6 Who are Gen-Y? Gen-Y, those born between 1980 and 1992, comprise about 17 percent of the world s population 1. Those between years old constitute about 17 percent of Asia s population, 13 percent of Europe s, 14 percent of North America s population, and 17 percent of the population in the Caribbean and Latin America. Percentage of customers in the age group of years Africa 18% Others 6% Asia + Near East 17% Europe (Eastern Europe, Baltics and Western Europe) 13% Oceania 15% North America 14% LATAM and Caribbean 17% Source: U.S. Census Bureau, International Database December, U.S. Census Bureau, International Database December,
7 Age group years (in millions) Total population (in millions) World 1,143 6,831 Asia + Near East 692 4,042 Europe (Eastern Europe, Baltics and Western Europe) North America LATAM and Caribbean Oceania 5 35 Africa 181 1,013 Source: U.S. Census Bureau, International Database December, 2009 They have grown up in an era of global economic prosperity and a significant number of them are the children of affluent Baby Boomers. They own or at least are familiar with instruments like credit cards and loans. A large percentage of them have direct or indirect support of their parents a reason their lifestyle often revolves around spending and not saving or investing for the future. A large number of them have owned computers and mobile phones from their teens and spend a considerable amount of time messaging, chatting, watching videos and visiting social networking sites. They are tech-savvy population and have grown up using the Internet and its applications for communication, entertainment, social networking, shopping, information, reviews, and news and so on. Gen-Yers are: Independently Dependent Practically Motivated Tech-savvy Socially Mindful Financial Freshmen Catalysts for Change: The Implications of Gen-Y Consumers for Banks, Deloitte 2010 Gen-Y are quite different in their values and characteristics from their parents of the Baby Boomers generation. Most of them, being single children, are used to dealing head-on with figures of authorities and are inclined to establish a familial attitude with their friendship groups. They have a strong trust in their social network and are a peer-oriented population. 7
8 Due to the multiplicity of opportunities available to them Gen-Yers are mobile, unlike their brand-loyal predecessors. Their choices are informed and motivated by their own experience and that of their peers. They are highly educated, skilled and far more entrepreneurial than earlier generations. They have high expectations about their careers and want to be well paid and maintain a work-life balance. The objective of the generation is to earn an income to maintain their lifestyle rather than to pay off their debts. Saving is not a high priority for Gen-Y as they believe in living for the day. 8
9 Banking with Gen-Y why are they important and what are they looking for? Today, the significant percentage of the world population, or approximately 3.54 billion, is under the age of Over the next 10 years, Gen-Y should constitute the majority of wealth accumulators in developed economies and will look for financial products to maximize their wealth. This segment is expected to have a higher disposable income than their predecessors. Banks need to begin to engage with them now to reap benefits later. Baby Boomers are currently in the wealth accumulation stage and banks are meeting their needs. However, this generation will soon be approaching retirement and their financial prospects seem less rosy. There will be a dramatic demographic shift by early in the next decade in the U.S. 3. The spending patterns of Baby Boomers will change and they will begin drawing from their savings. To generate significant revenue in the future, banks will have to reach out to the population that love spending, prefer credit and loans and are projected to be at peak of their earnings in 10 years from now the Gen-Y. They are financial novices They do not have long term investment plans and are more interested in basic banking like having a checking and savings account 4. Their most popular banking products are the credit, debit cards and loans (student loans and mortgage). Mobile banking is catching up fast as their preferred channel for banking. Gen-Y looks out for financial assistance to manage their money. More than one-third of Gen-Y feel they need financial assistance in managing their financial affairs 5. They look to their parents for financial advice and banks can explore this opportunity using the social media and virtual consulting, in place of faceto-face delivery U.S. Census Bureau, International Database December, 2009 KPMG Survey Javelin Strategy and Research 2009 The Next Growth Opportunity for Banks Cisco IBSG Retail Banking Survey 9
10 Are Banks Ready for the Next Generation Customer? Another important finding by Aite, the U.S. research firm was that over the past year, one in five of the Gen-Y they interviewed had met with a bank representative for help with making a financial decision. They also found that 35 percent of the generation had recommended their banks to family and friends. Those who made these recommendations were also more likely to deepen their relationship with their banks 6. This finding explains why banks cannot afford to ignore Gen-Y. Spend now and save later The values of the technology-oriented Gen-Y will shape consumer spending 7. This is because the attitude of Gen-Y towards managing their finances is distinctly different than that of Baby Boomers. They believe in living in the present and in spending now, saving later. They desire the luxury which their predecessors enjoyed in retirement and that is why most of them are often in a cash-crunch. Speaking at The Future of Financial Services the Acquisition and Retention of Gen-Y luncheon organized by FST Media and Oracle, renowned social commentator, researcher and best-selling author Mark McCrindle highlighted that bankruptcy was on the rise amongst 19 year olds. 57 percent of the Gen-Y population spend half their salaries on social purchases like holidays and technology. KPMG survey, September 2008 He highlights that while many of the generation are high earners they spend it on cars, clothes, leisure and entertainment and are not concerned about investing for their future. 6 7 Engaging Gen-Y: Cultivating a New Generation of Banking Customers Aite report 2009 PricewaterhouseCoopers LLP and Retail Forward,
11 A credit friendly generation Gen-Y believes in spending and fancies credit cards and loans. This makes them an important segment for banks to explore. In Australia, for instance, Gen-Y have a more self-centered approach to finances than their predecessors, with 68.9 percent of their income stemming from parental or family sources 8. Statistics indicate that between 1998 and 2006, excessive credit card usage contributed to soaring bankruptcies among Gen-Y, these went up by 118 percent and were expected to climb even higher then 9. This suggests that Gen-Y continue to look for credit and debit card schemes and loans that are flexible and suits their needs. More demanding with greater expectations An important aspect of Gen-Y is that they are demanding and want the institutions they deal with to have the flexibility to fulfill their multiple needs. Gen-Y knows they have options. If not satisfied with their treatment, they will go to a competitor, says Peter Sheahan, author of best-seller Gen-Y and Flip. They use Internet and mobile technologies in their daily lives and demand that these be used for banking as well. UBank, for instance, has developed a Click to Chat and 24-by-seven knowledge base for better collaboration. The bank aims to develop a multi-channel means of reaching out to their customers. 8 9 The Mission Australia s National Survey of Young Australians Insolvency and Trustee Service Australia (ITSA) 11
12 Are Banks Ready for the Next Generation Customer? A well-connected generation Gen-Y has grown up using two crucial elements in their daily lives mobile and social media. While the Internet has become an integral part of their lives, one of the most remarkable phenomenon over the past few years has been the growth of the mobile and wireless market. Two-third of the global Internet population visit social networks. Nielsen, Global Faces & Networked Places, 2009 This growth in technology has made mobile banking possible through SMS or Mobile Internet, which is commonly used to check account balances and account transactions. Banks can also offer customers services like funds transfer while travelling, receiving online updates of stock price or even the option to trade in stocks. Banks can develop mobile payment methods like mwallet. In Europe and Asia, where mobile banking has gained wider adoption, mobiles have moved beyond reporting balances and funds transfer and have become contact-less payment instruments for executing small transactions. 12
13 Conventional banking customer Today s under-20 customer Welcome, Thank you for giving us the opportunity to present our case to you today. We hope that you will find the session useful. Please do let us know your feedback and guide us in this engagement going forward wlcm, thk U 4 givn us d oprtunet 2 presnt our case 2 U 2day. We hop dat U wil find d sessn useful. pls do lt us kno yor fedbak & guide us n DIS NgAGmnt goin 4ward Source: Jibun Bank in Japan is the first bank in the world, to offer its entire range of products and services using the mobile as their primary channel of contact with the customer. Customers can open an account with the bank using just the mobile phone and the phone camera 10. The bank delivers enhanced customer service on anytime and anywhere basis, and offers different banking services on mobile, including fund transfers, payment services and web based shopping and auctions. It experienced a huge growth in customer accounts within 8 months of inception, with the number of accounts increasing to 500,000. Another area which has had a meteoric rise in usage is social media. Social media continues to change the way people communicate and express themselves. People connect with other people, communities and groups and share ideas and opinions on websites like Facebook, Twitter, LinkedIn and YouTube
14 About two-third of the global Internet population visits social networks 11. Facebook has more than 400 million active users 12. World-wide, Facebook saw 69 percent growth in the number of users in May 2010 as compared to May 2009, according to comscore. More than 75 percent of its visitors are from outside the U.S. The U.S. still has more Facebook users, 115 million, than any other country. Over the past year, Latin America and Europe saw the strongest growth rates in users, with the number of visitors in those regions growing by 102 percent and 74 percent respectively 13. According to comscore 14 Facebook went from being non-existent to number one in most European countries in the past few years. Currently in 2010, Europe is the only continent with four countries having more than 10 million Facebook users. Five European countries feature in the top ten countries having the maximum Facebook users as on March An average user spends more than 55 minutes per day on Facebook. If banks get a sizeable share of this time for their products and brand, they can establish a profitable engagement with the customers. According to comscore social networking statistics, 2009, Twitter s audience grew in 2009 with interesting shifts in its demographic composition. The initial success of Twitter was largely driven by users in the age group of 25 to 54 years, which made up 65 percent of all visitors to the site in December Users between 18 to 24 years of age accounted for just 9 percent of visitors. LinkedIn, one of the largest business social networking sites has about 50 million members across the world 15. About 14.8 billion videos were viewed on YouTube in January 2009 alone 16. Social media has become the most trusted form of advertising; people are most likely to follow their peer recommendations than be influenced by brand websites, newspapers, magazines or billboards. Social media has re-energized the age old word of mouth concept. Word of mouth has now become more powerful than ever. 11 Global Faces and Networked Places, Nielson LinkedIn, YouTube Report,
15 Social media a medium of choice among Gen-Y Gen-Y is a wired generation and spends a significant amount of time online and is an avid user of social media. They are a sociable generation and their interest in building and maintaining relationships is shown in how they blog, text-message, upload photos and videos, tweet about their activities, post their thoughts and opinions and look for updates on recent developments. About 85 percent of college and university students in U.S. have a Facebook account. A recent Aite survey entitled Engaging Gen-Y: Cultivating a New Generation of Banking Customers, found that one in five of Gen-Y surveyed use social networks to solicit opinions of peers when they are researching financial products. An Australian survey revealed that 73 percent of Gen-Y consumers in Australia are reluctant to turn to financial advisors and institutions and are influenced by information provided by peers, social network, parents and other family members, blogs and Internet. They make an informed choice that is backed by logic, experience and communication. Gen-Y is the most informed generation in terms of their willingness to research and access information and their favored method of doing this is through the social media and networking. The social media is the key to connect with Gen-Y 17 to explain the features and benefits of their products and services. A customer-staff connection means that there is free flow of information which can have a dramatic impact on the brand s reputation it can either enhance or damage it. A substantial number of social network users post opinions about products and brands on their blogs and think more positively about companies that own blogs 18. Banks that use social media to brand themselves have been successful in integrating social tools into their existing campaigns or creating new ones that capitalize on the spirit of the community. Citi is one of the largest financial institutions using social media (Citibank has 2750 fans on Facebook 19 as on June 2010) to build a community around its brand. For example, Citi Credit Cards has launched a campaign that centers on the power of harnessing your Facebook network 20. Citi cards has 6,748 fans on Facebook 21. AskCiti, official Twitter ID for Citi Customer Service has 654 followers and 1400 tweets as on June The Next Growth Opportunity for Banks Cisco IBSG Retail Banking Survey 18 Wave 3 Report from Universal McCann,
16 In the U.S., there has been a phenomenal change in the banking industry. Facebook recently announced its capability to enable transfer of funds from one Facebook user to another. Many banks in the U.S. are using social media to promote their services and brand or to just build an online community with existing and potential customers. UBank in Australia has been successful with its presence on Facebook, using its presence as a medium to launch new product ideas and eliciting user opinions amongst other engagement strategies. Their Click to Chat tool is designed to drive greater collaboration. It has extensively used social media including Facebook, blogs, Wikis and the whole approach was designed to create an integrated, multi-channel experience for their customers. UBank has 5,319 fans on Facebook and 2,555 followers on Twitter as on June UBank s Facebook site hosts pages on poll, savings tips, customer feedback, discussions, and YouTube videos. Social media is not just Twitter, Facebook or YouTube While banks have braced themselves to take on traditional competition in order to increase their client base, non-traditional competition has been slowly making inroads into their domain. P2P lending, also known as social lending, matches lenders seeking a rate of return for their money and borrowers who need the money for a variety of purposes. P2P lending sites like Mint, Prosper, and Zopa have gained great momentum and could be a popular mode of unconventional banking amongst Gen-Y. Designing cool products Banks need to understand the generational differences while designing new products for Gen-Y. Gen-Y currently use basic financial products like cards, loans much to support their lifestyle. They are not too interested in investment or retirement products unlike the Baby Boomers and Generation X. Banks need to design products that are suited to their needs, simple to understand and easy to use. Products need to be designed keeping in mind their traits, attitudes and lifestyle and should enable personalization
17 Quality customer service a critical component of Gen-Y strategy In 2008 Forrester s research highlighted that Gen-Y was more likely to switch banks than members of any other generation. Customer service forms a critical measure in retaining their loyalty. Banks cannot afford bad customer service given how well connected the generation is and how actively they use word of mouth. Banks can offer them online personalized services like opening accounts online or on mobile and funds transfer online as they spend so much of their time online. Gen-Y is ready to pay premium for services that are available round the clock, anywhere, easy to access and quick to use. Banks have to embrace the latest technologies and improve their operations to provide a satisfactory service to their customers. As Gen-Y is a multi-channel user, banks need to create a consistent unified experience across channels. Branch innovation is yet another imperative which banks need to consider while targeting Gen-Y. They need to provide Gen-Y with special offers that would attract them to the branch. A customer might want to get advice on loans at the branch, apply and pay premium online and check the premium details on their mobile. To achieve such a state, banks need to integrate their channels yet innovate with them separately. 17
19 Survey results and analysis This survey of Efma members analyzes whether banks have formulated a Gen-Y strategy and the ways in which it has been implemented. Customer profile A substantial percentage of the existing customers of many banks are Gen-Y. More than 50 percent of the respondents claimed that between 10 to 20 percent of their existing customers were in the age group of years. Percentage of customers in the age group of years Figure-1 60% 50% 51% 40% 30% 32% 20% 16% 10% 0% Less than10% Between 10 and 20% Between 20 and 40% 1% More than 40% 19
20 Dedicated Gen-Y strategy 31 percent of respondents said that they had a strategy that focused on Gen-Y customers. Around 38 percent claimed they were working on a Gen-Y strategy. Dedicated Gen-Y strategy Figure-2 We are working on this 38% Yes 31% No 31% Critical for success Gen-Y demands a variety of choices with simple and uncomplicated processes and is not hesitant to switch brands if they are dissatisfied. We analyzed a few critical parameters necessary to engage with a Gen-Y customer. Banking experience Only 8 percent of those surveyed said that they could offer an exceptional banking service to their customers. 54 percent of the banks surveyed were confident that their customers had a good banking experience with them. This suggests banks still have a long way to go if they want to engage with Gen-Y and will have to resort to innovative efforts to build competitive advantage. 20
21 Banking experience to customers Figure-3 Satisfactory 36% Unsatisfactory 2% Exceptional 8% Good 54% Time to launch new products One way banks can create an edge over competition is by reducing the time to market for launching new products. Only 4 percent of respondents claimed they could launch a new product within a week which could be a key differentiator for them. 31 percent of the respondents said that it takes them longer than 3 months to launch a new product. New product launch time Figure-4 More than 3 months 31% Within a week 4% Week to a month 24% One-three months 41% 21
22 Presence and use of social media Our survey revealed that most banks are engaging Gen-Y by designing innovative, customized and bundled products and services. Banks are using social networking services as well as the mobile and Internet as sources of product and service innovation. 31 percent of respondents said that they currently use the social media, 16 percent planned to use it in the next 6 months and another 16 percent in the next 12 months. Presence in social media Figure-5 No plans yet 37% Yes 31% No, but we will be within 12 months 16% No, but we will be within 6 months 16% 22
23 According to the survey, banks used social media as a platform to market themselves. A whopping 82 percent of the banks that use the social media presence recognize it as one of the best mediums for marketing. 43 percent of them are already using social media to launch new products, make announcements as well as engage in new conversations with their customers. Use social media for marketing Figure-6 No Answer 11% No 7% Yes 43% Not yet, but are drawing up plans 39% 23
24 Banks with Gen-Y strategy and presence While 71 percent of banks were at present, either not planing for Gen-Y or were in the planning phase, there were a significant number of them who stood out as believing that engaging with Gen-Y was imperative. These banks had formulated and implemented their plans to win the confidence of Gen-Y. In our survey, we analyzed the objectives, processes, impact and success of their Gen-Y strategies. A sizeable share of customers of these banks belongs are Gen-Y which explains their special emphasis on this segment. Building a strategy to engage and build strong links with Gen-Y would be advantageous for these banks over others in the long run. Percentage of customers in the age group of years Figure-7 60% 50% 60.00% 52% 40% 30% 20% 60.00% 15% 60.00% 33% 10% 0% Less than10% Between 10 and 20% 60.00% Between 20 and 40% 24
25 Gen-Y considers good customer service as one of the key priorities while banking with any financial institution. According to the survey, the majority of the banks who adopted a Gen-Y strategy, were confident about the quality of their service. They considered customer banking experience as an important factor in maintaining good customer relationships. Customer service Figure-8 Exceptional 15% Satisfactory 26% Good 59% 25
26 These banks were also more willing to use social media as compared to banks who were still drawing up their plans for Gen-Y and those who did not have any such plans. The survey results revealed that a majority of banks with a Gen-Y strategy had a presence in social media. Banks are using social media to understand what Gen-Y needs, provide interactive financial advices, launch new products, gain feedback about their products and services and promote themselves. Presence in social media for Gen-Y focused banks Figure-9 No, but we will be within 12 months 18% No plans yet 15% Yes 41% No, but we will be within 6 months 26% One area of concern which emerged in the survey was the time that it took banks to launch new products. Majority of the banks, about 41 percent of them, said it took one to three months. 22 percent of the survey participants said that they needed more than 3 months for a product launch. Banks will have to improve their efficiency if they want to be in sync with the dynamic needs of the Gen-Y and be their preferred bank. Since members of this generation are demanding and have high expectations they may opt to bank with those who provide them the products that meet their needs, failing which they might switch to other banks. 26
27 Product launch times Figure-10 More than 3 months 22% Within a week 11% Week to a month 26% One-three months 41% The survey revealed that banks with a larger proportion of Gen-Y customers were the ones that could launch products faster than other banks. Majority of these banks launched new products within a week and a small number of them took more than 3 months to launch a product. Banks with strategies to attract Gen-Y, had distinct offers for this group, with special interest rates, customized products and services: Dedicated account package for life starters (aged years) with current accounts, specially designed debit cards, regular savings plans and overdrafts. If young customers use their account and cards they could receive free tickets to cultural events like exhibitions, movies and theatre. Partnerships with retail chains/co-brands. Prepaid Card - debit card that enables funds transfer through SMS Student accounts - free of any regular maintenance fees Student loans at competitive interest rates 27
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Hover on image to zoom
Team these track pants with a tee or a vest and a pair of sports shoes for a comfortable workout session. Add on a sweatband and carry a duffle bag on your way to the gym.
Enter your PIN code to check the delivery time and special services

subset: commoncrawl


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Carrot Seeds Rainbow mix
Carrot Seeds Rainbow mix
Price for Package of 25 seeds.
Rainbow mix carrot lives up to its name - its 11" long tapered roots are a beautiful scarlet color that gets brighter when cooked. This variety gets its hue from healthful Lypocene, a precursor to beta carotene credited for helping prevent several types of cancer. Grow carrots in cool weather. Draw out the Rainbow mix
No reward points for this product.


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fiesta bowl Archives
Fiesta Bowl will now be PlayStation Fiesta Bowl
As part of an agreement with ESPN, the Fiesta Bowl has named PlayStation its new title sponsor. This year, the PlayStation Fiesta Bowl will be a College Football Playoff (CFP) Semifinal game played Saturday, December 31, at University of Phoenix Stadium in Glendale, Ariz. "The Fiesta Bowl is pleased to partner with PlayStation to present… Read More →
Owens Harkey adds Coyotes and Fiesta Bowl as clients
Full-service advertising agency Owens Harkey (OH) Advertising has added to its list of nationally recognized sports and entertainment organizations by landing state two coveted new partners, the Arizona Coyotes and the Fiesta Bowl Organization. OH is a leading force behind some of the Valley's top sporting and entertainment events. Not only is the agency well versed… Read More →
Fiesta Bowl, Cactus Bowl have $169.4M economic impact
Fiesta Bowl and Cactus Bowl, the two annual college football bowl games hosted in the Valley during the 2015-2016 season, combined to generate an estimated $169.4 million in economic impact, including $79 million in total direct spending for the Valley and more than $7.5 million in direct tax revenue. The breakdown specifically between the two games attributed $111.6 million… Read More →
Fiesta Bowl Charities donates a total $1.5 million
After record attendance numbers from both the 45th Annual Fiesta Bowl and 27th Annual Cactus Bowl and a successful bowl season, Fiesta Bowl Charities concluded its term by rounding up total beneficiaries from local state nonprofits and charities. The largest portion of community giving, which totaled $1.5 million in grants to 60 nonprofit organizations, provided… Read More →
Steven Leach is chair-elect for Fiesta Bowl board
Jones, Skelton and Hochuli Partner Steven Leach, was elected as chair-elect of the Fiesta Bowl Board of Directors for the 2016-2017 season. Leach started out as a volunteer in 2006, and has since ascended through various leadership positions within the Fiesta Bowl Committee. He was recognized as the "Rookie of the Year" during his first year, and later… Read More →
Arizona earns big from major sporting events
When Clemson and Alabama meet in Monday night's College Football Championship, the two teams and their fans will be contributing to Arizona's national reputation as America's best sports tourism market. We have teams from four big-time professional sports that call Arizona home, one of which is playoff-bound and has the whole state buzzing. (I've told… Read More →
5 Valley New Year's Eve events and parties
It's that time of the year, 2015 is coming to a close and 2016 is right around the corner. Do you have your New Year's Eve planned to bring in the New Year in style? If not, we've got you covered. Check out these five New Year's parties and events: New Year's Eve Celebration Phoenix… Read More →
Arizona looks for economic boost from sports
The College Football Playoff National Championship Game on Jan. 11 is the next in a line of major sporting events coming to Arizona that has the potential for both short- and long-term financial benefits for the state, analysts and backers say. But while Super Bowl XLIX brought in over $700 million for the local economy, according… Read More →
Westgate will host NYE, Fiesta Bowl parties
Kickoff the New Year with Fiesta Bowl parties and New Year's celebrations at the Westgate Entertainment District, where there is fun for everyone from the kids to the adults. On Thursday, Dec. 31, let the kids spend the day at the first ever Arizona Coyotes Youth Mobile Tour on New "Yotes" Eve starting at 5… Read More →
Experts: Central sports commission would boost Arizona
The 2015 Super Bowl kicked off an unprecedented run for the Phoenix metro area as the host of mega-sporting events. But if the Valley is going to continue to lure Super Bowls, NCAA championship football games and Final Fours, leaders in the sports community say the current system needs to be improved. "We're playing with… Read More →
Bluewater offers Fiesta and Cactus Bowl deals
Calling all Wildcats, Broncos, Huskies and Cowboys! Bluewater Grill Phoenix is making it easy for students, alumni and fans of the teams playing in the Fiesta and Cactus Bowls to enjoy Arizona's freshest sustainable seafood before, during or after the big games. Now through Jan. 5, 2015, Bluewater Grill in the Camelback Corridor of central Phoenix will… Read More →
Fiesta Bowl gets Vizio as new title sponsor
The Fiesta Bowl, one of the bowls that is part of the new College Football Playoff rotation, has a new title sponsor, according to ESPN.com's Brett McMurphy. Electronics giant Vizio will sponsor the Fiesta Bowl. Vizio had sponsored the Rose Bowl for the previous four seasons. For the past 18 years, Tostitos had sponsored the… Read More →
Fiesta Bowl has new leadership
The Fiesta Bowl has hired former Phoenix Coyotes CEO Mike Nealy as it executive director. He replaces Robert Shelton, who resigned in January after spending 2 1/2 years trying to rebuild the bowl game in the wake of scandal. Shelton took over after John Junker resigned for taking part in an illegal campaign contribution scheme… Read More →
Arizona lands 2016 championship game
Arizona will host the College Football Playoff championship in 2016 and Tampa, Fla., will be the site of the 2017 title game. The conference commissioners who oversee the playoffs announced Monday their choices for the sites of the second and third championship games in the new postseason system that goes into effect next season. "This… Read More →


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Come build on the last lot in the wonderful Mary Lake Subdivision and only lot in Westport under $150K. Enjoy low Westport taxes and excellent Waunakee Schools. Large, level wooded lot for privacy. Great rural neighborhood with friendly neighbors and lots of kids. Utilities available including city sewer. Easy commute to Madison. Bring your own builder.
Features Lots and Acreage
|Total Acres: 0.38
|Zoning: A-1 EX
|Present Zoning: Single family
|Lot Size: .376 Acre
|Lot Description: Rural - in subdivision
|Taxes: $1,255
|Elementary School: Call School District
|Middle School: Waunakee
|High School: Waunakee
|School District: Waunakee Community
|Body of Water:
Estimate your monthly mortgage payment
How much can I borrow?
Speak with a mortgage consultant: 866-531-0904


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Fire contained at Washington County natural gas facility
A fire in equipment at a natural gas facility in Washington County today was extinguished before it could spread to the building in which it was housed, according to the Independence fire chief.
The fire broke out shortly before 11:30 a.m. in the motor of a compressor at the MarkWest Energy plant in the 600 block of Scenic Drive, said Chief Eric Temple. A company official said the building is equipped with a fire detection system that automatically shut down operations. There were no injuries.
The compressors are used to transfer natural gas through a pipeline, according to a MarkWest spokesman. The state police fire marshal is investigating.


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I love being with my friends and family, running, being by the water, and the little things in life. I try and take each day as it comes and look for my own ways to be adventurous and try new things.
All sorts of music!
Food: I'm really not picky and like trying out new recipes - cooking can be a lot of fun, especially when you have other people to do it with you. I'd have to admit that homemade pizza probably tops my list of favorite meals (not super creative but always good)!
- a pair of running shoes
- hazelnut coffee
- good friends
- books
- free time!


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Pet Sitter in Colorado Springs
My name is Sophia and I am a passionate animal lover. I have cared for/pet sat for animals my entire life and have at least a year of paid pet sitting experience. I have walked dogs for animal shelters voluntarily, and am ready to offer my services to more people in Briargate and surrounding areas! I am available every day in the afternoons and some mornings. I am very willing to work with your schedules! I also am available for overnight care and to board cats and dogs in my own home. Please send me an email/text on what you need and we will work it out!
Pet Sitter Details
|Email Address
|Phone Number
|719-477-... Confirmed
Dog Walking
Pet Feeding
Pet Sitting
Overnight Care
Notes made here will only be seen by you. If you want to message the owner of this listing
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Find a copy in the library
Finding libraries that hold this item...
|Oaxtepec (1981)
|Material Type:
|Conference publication
|Document Type:
|All Authors / Contributors:
Samuel Gitler; Jose Adem; Symposium on Algebraic Topology in Honor of José Adem (1981, Oaxtepec); American Mathematical Society.
|0821850105 9780821850107
|OCLC Number:
|Jose Adem's contribution to algebraic topology by S. Gitler Graeme Segal's burnside ring conjecture by J. F. Adams Sections for bundles over projective spaces by E. Antoniano An integrality theorem for theory Chern classes by L. Astey Index of tangent fields on compact manifolds by J. L. Arraut and D. Randall On the antiautomorphism of the Steenrod algebra by M. G. Barratt and W. R. Miller On the structure of supermanifolds by C. Boyer Strong classification of Haefliger structures by J. Bracho Smooth manifolds immerse in by E. H. Brown Unstable properties by F. R. Cohen and M. E. Mahowald On the cohomology of by D. M. Davis Fixed point theory and homotopy theory by A. Dold On crossed modules by M. Gutierrez A proof that is 2-connected by A. Haefliger and K. Sithanantan Branched coverings as uniform completions of unbranched coverings by J. H. V. Hunt Zeros of equivariant maps by S. Y. Husseini Some theorems about the mod 2 cohomology of a finite space by J. P. Lin Finite sets and Hopf algebras of representation rings by A. Liulevicus On of the dual numbers by E. Lluis-Puebla A generalization of the Alexander duality theorem by W. S. Massey Equivariant homotopy and cohomology theory by J. P. May A survey of the compact space form problem by R. J. Milgram Homotopy equivalences by L. Montejano Cohomology of some improper group actions by J. Morava A generalization of Fox's spread completion by S. D. N. De Christ and F. Gonzalez Self maps of loop spaces of spheres by F. P. Peterson Morava K. theories and finite groups by D. Ravenel Invariant framings of quotients by discrete subgroups by J. A. Seade On and the Arf invariant of framed manifolds by V. Snaith and J. Tornehave Cohomology isomorphisms by E. Spanier productos vectoriales: Teoria algebraia y topologica by O. Valdivia Cobordism of three dimensional spheres by A. Verjovsky Towards. Wilson Homotopy actions of nilpotent groups by A. Zabrodsky.
|Series Title:
|Contemporary mathematics, 12.
|Other Titles:
|Algebraic topology in honor of José Adem
|[ed. by Samuel Gitler].
User-contributed reviews


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Ghosts Guns & Sounds
by: BunnyBen • 852
All Android applications categories
by: BunnyBen • 852
Complete list of ALL GHOSTS weapons, with SOUNDS, pictures, statistics from the game (accuracy, damage, range, rate of fire and mobility), multiplayer damage (near and far) and real-life information (like muzzle velocity, weight, barrel length and much more)!!
Tap on the image to SHOOT and hear the sound!! Realistic RECOIL thanks to phone VIBRATION while shooting!! :)
This is a must-have for every "Ghosts" fan: you will be able to improve you knowledge of guns even when you are not fighting on the battlefield!! :)
This is not an official app and BunnyBen is not associated or affiliated with developers of any game or any of their partners. "Ghosts" doesn't refer to any existing game, it's just a random word that identify this group of weapons. BunnyBen is also not associated with weapons manufacturers and weapons information (weight, length, barrel length, cartridge, ...) are taken from the internet and could be wrong.
BunnyBen app cod : 0002 (use this number to univocally identify this app in support e-mail)
Tags: ghosts guns , gta all weapons damages
from 852 reviews
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This fun, metallic hue is perfect for channeling the warm months ahead. Embrace your inner mermaid with Let's Get Digital and don't forget the top coat!
What are the must-have nail shades for Spring ?
Ah, springtime! It's finally here. As the weather starts to change, it's time for our mani game to do the same. But don't stress, with over 70 shades of Sally Hansen Miracle Gel to choose from, the color options are endless. All you need for a flawless gel mani is the Miracle Gel shade of your choice and the Miracle Gel 2X Volume Top Coat. Only 2 easy steps to get the nails of your dreams.
Sally Hansen's latest collection, Digital Overload, has every color you need for spring. From cool blues to shimmering metallics, these are the must-have nail colors for the season.
Let's Get Digital
Add a pop of color to any look with Pink-terest. This classic pink adds a touch of fun to your beauty look and in 2 easy steps, color + top coat, you have flawless gel nails!
Electric Pop
Nothing says spring like Electric Pop, a vibrant and bold pink. Pair it with the Miracle Gel 2X Volume Top Coat and your favorite floral dress to complete your outfit.
A sunny yellow is the perfect go-to for spring and Gigabryte is no exception. In fact, we think it's the key to fun and colorful nails. Don't forget to use the Miracle Gel 2X Volume Top Coat for up to 14 days of color and shine.
World Wide Red
Always a staple in our beauty arsenal, World Wide Red is the secret to an iconic beauty look. All you need is color and top coat for a perfect gel mani.
Hit the music festival circuit wearing Digit-Teal, the perfect color for your nails this spring. Remember to finish your nails with the Miracle Gel 2X Volume Top Coat for up to 14 days of color and shine.
Byte Blue
If you're dealing with a Digital Overload, channel the beach with Byte Blue. This bright and bold blue will have you dreaming of a sunny day by the sea. Pair with the Miracle Gel 2X Volume Top Coat for fabulous nails.
With spring in full swing, there's no time to waste, so don't wait—grab one of the Sally Hansen's Miracle Gel shades from the new Digital Overload collection and take your gel mani game to the next level.
Did you enjoy this article?
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It is common to wake up from a deep slumber with a dry throat that may cause irritation and even pain. It can be frustrating, and cause you to have trouble breathing, swallowing and change your voice dramatically while it is dry. However, there are several ways to fix this problem.
Snoring causes your throat to be sore because when you breathe through your mouth, the air dries out the tissues in the airways. When you snore, you take in large amounts of air, very little saliva and the vibration rattles the tissues, leaving your throat dry and irritated.
Some people are habitual snorers, while some people only snore when they are in a deep sleep or in a position where the airway is slightly compromised. There are lots of ways to stop snoring, including taking pills and homeopathic remedies, exercises to strengthen the muscles in the throat and mouth, and even surgery in extreme cases.
If you snore frequently and are not interested in taking medications or having surgery to correct the snoring, there are things you can do to soothe your dry throat when you awaken. First of all, you can drink some water to wet your throat. You can also suck on a throat lozenge or a piece of hard candy. If this is something you need to treat frequently, hard candy is a better option, as throat lozenges contain medication that can be harmful in extended doses.
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- Photo Credit stop snoring image by robert mobley from Fotolia.com
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About the Book
This is a lavishly illustrated, genre-crossing book of original photographs, art history essays, prose poems and one short story, concerning still-life subjects and the art of description in European painting, art photography, poetry, prose and natural-history.
Features & Details
- Category Arts & Photography
Standard Portrait, 8×10 in, 20×25 cm
226 Pages
- Publish Date Mar 20, 2014
- Language English
- Tags still life, natural history, Photography, description, painting, poetry, prose
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Hello penguins,
The Medieval Party preparations started on Club Penguin! There are some stuff at Town, at Plaza, at Beach. Here's how Plaza looks in preparations stage:
There is also new Igloo Music. Actually there are 3 new songs called: Quest for the Golden Puffle, In the Tower, Puffle Rescue: In the Cave. Go check them out!
Club Penguin added a new login screen with Medieval Party Theme:
The party starts on May 7 and ends on May 16. Rockhopper could come at the end of the month.


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Print advertisment created by Y&R, Brazil for Hopi Hari Theme Park, within the category: Recreation, Leisure.
Hopi Hari Horror Time.
Stories to keep you awake.
Chief Creative Officer: Rui Branquinho
Executive Creative Officer: Flavio Casarotti
Creative Directors: Rui Branquinho, Flavio Casarotti, Victor Sant'Anna
Art Director: Guilherme Rácz
Copywriter: Lucas Casão
Illustrator: Zombie Studio
Highest Rated
As a zombie addict...this has made my day. Great make-up, Nicely shot. Not over enthused by the background composition, I think that could have been adjusted to make the visual much better, but I gotta say I'm sitting here with a big smile on my face...which is the whole point. I'll be thinking of Zombie Cinderella's for days now. Great work guys.
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text:
Up until last week my columns on unidentified flying objects were sparse. I might have written one or two before in the years of writing, but that would be about it.
You may not realize it, but these columns typically are written a few days before you are reading it and last week's column was written around the time that New York City became the focal point for hundreds, if not thousands, of skywatchers.
Around 9:30 a.m. people began to report seeing upwards of 50 shiny objects in the sky over Chelsea. Reports continued throughout the day including calls to 911 and the Federal Aviation Administration.
Videos were shot and placed on YouTube of these objects which appeared to hover in the sky for hours over Manhattan at an estimated altitude of 5,000 feet. Several videos exist that show three definite objects in the sky that afternoon that move apart, come together and move apart in the shape of a triangle while hovering in that spot in the sky in broad daylight.
There were some clear pictures of the object that I found the day after the sighting. The video I saw was of a silver globe with approximately three or four other globes much smaller attached to the underside.
In the video clip the three or four smaller objects moved away from the larger object quite a distance and then flew back underneath it for a brief time. Next, the objects separated for what looked like quite a distance and hovered in the sky.
There is no report on how long they stayed in the skies over New York but some of the news items I read say they blinked out after several hours.
Within 12 to 20 hours, news stations began reporting that the sighting was nothing more than released balloons. First they were mylar, then they were yellow ones from Times Square and then they were a dozen white iridescent balloons from a school in Mount Vernon New York. There was even news coverage the next day from the school where they interviewed teachers and students who were so amused to see their balloons scaring New Yorkers.
There is one small problem with this cover up. Actually two or three problems with this story.
First, the party was at 1 p.m. and the sightings began at 9:30 a..m. Also, there are no reports of the objects disappearing and reappearing later. They spent the best part of the day over Chelsea.
Second, the school that supposedly released these balloons is 19 miles NORTHEAST of Chelsea, Manhattan. This is important because I researched the wind direction in Mount Vernon where the school was located and the release occurred and the wind in that part of the city was blowing from the southwest at 2-4 miles per hour.
I will concede that these are surface level winds and that wind in a different direction aloft may have been blowing in the opposite direction, however the videos all over the Internet as well as the one I watched the next day showed five objects not a dozen and they did appear to be operating independently of each other. They blinked and hovered and moved all things that a mylar balloon could do, but not the white ones being credited for this sighting.
The timeline is off, the wind direction is off and the amount of time the balloons hovered in one place after they allegedly floated to Manhattan must be a balloon record. More damning though is the reported sightings of them BEFORE they were released.
If that doesn't pique your interest then google "El Paso sighting October 2010". There is a video shot two days later in El Paso of an object plummeting through the skies toward earth, separating into three parts which shoot off into a triangular formation with plumes trailing them only to come to an abrupt halt and hover in a formation eerily like the one over New York only two days before this sighting.
Within this two-day period, there are also videos of UFOs in San Francisco, Ohio, Malaysia, China and Russia with the Russian objects numbering almost a dozen and spread out over several miles in the sky.
Here's the strange part. These sightings began on October 13, 2010.
Stanley Fulham, a former NORAD officer, who wrote the book "Challenges for Change" in 2008 predicted in that volume that on October 13, 2010, the world will be made aware it is not alone in a series of sightings over major cities. This will be followed in the next six months by possible contact, culminating in the extraction of poisonous gases from our atmosphere in 2015.
Fulham claimed NORAD has both been shut down and in contact with extraterrestrials which is where he claimed to get his information. This coupled with the Air Force officers confessions at the National Press Club a few weeks ago that they witnessed UFOs shut down missile silos and ground planes during the Cold War is an odd coincidence.
Could someone be preparing us for what may be coming soon?
Unfortunately the more information we read, the more questions we have. Where will it end? Are we alone? What do you think?
Til next time…


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The U.S. Under-20s booked their place in the round of 16 at the FIFA World Youth Championships with a 1-0 victory Saturday over Egypt in Enschede, Holland.
Coupled with Germany's 1-0 defeat to Argentina, Saturday's win leaves the U.S. in first place in Group D at the end of the group stage. They'll play Italy on Tuesday in Enschede at 11:30 a.m. ET.
As in the squad's landmark victory over Argentina a week ago, the U.S. needed just one goal to get a result from their solid all-around play. Forward Jacob Peterson, making his third appearance but just his first start of tournament, scored the match's only goal in the 56th minute by heading home a deflected shot from D.C. United midfielder Freddy Adu.
Peterson wasn't the only new face in the starting lineup. With passage into the next round of the competition all but assured, head coach Sigi Schmid opted to rest several stars for the beginning of the match, including Adu, MetroStar Eddie Gaven and Fire striker Chad Barrett. Columbus Crew midfielder Danny Szetela and Chicago Fire forward Will John both were selected to start by Schmid, as were midfielders Sacha Kljestan and Lee Nguyen and defender Brad Evans.
The opening minutes of the match were uneasy for the U.S., who gave the ball away often in the game's early stages. Fortunately for Schmid's charges, the Egyptians were unable to turn those giveaways into scoring chances. Around the 15-minute mark, the U.S. began to exert their control over the game and got their first look at the goal as Colorado Rapids defender Hunter Freeman lofted a chip toward the goal box for John. John settled the ball down toward Peterson, but Egyptian 'keeper Hamada Shaaban got to it first.
With the U.S. working their way toward dominating possession, it didn't seem like they would need any help to gain the points they needed to move on, but they got it anyway thanks to the referees' strict enforcement of fair play rules at the tournament. Egyptian defender Ahmed Gamil, who had received a yellow card in the 25th minute for pushing prior to a corner kick, was sent off with a second yellow in the 35th for knocking away the ball after giving away a free kick to the U.S.
Just before halftime, the U.S. turned up the pressure and nearly got the opener as defender Nathan Sturgis chipped the ball to Evans in the middle of the box, but Evans' powerful header was tipped over the bar. Just after the break, the Americans had equally bright opportunities through Szetela, but the 18-year-old's low drives were all turned back by either the Egyptian defense or 'keeper.
Seven minutes into the second stanza, Egypt nearly got an unlikely go-ahead goal, but after Mahmoud Abdelrazek laid the ball off for Abdallah Said to have a shot, U.S. 'keeper Quentin Westberg rushed out to make a kick save.
Adu entered the match in the 55th minute and brightened the U.S. team's play in his opening minutes on the field. In fact, it took only one minute for Adu to help the U.S. take the lead. Peterson started the scoring play with a clever backheel on the right that freed Szetela to carry the ball into the box, and after the U.S. worked the ball to Adu on the left side of the area, the 16-year-old took a shot that a defender stabbed with his foot. Following the play into the box, Peterson rose highest to the floating ball and powered home a header.
With a lead and a man advantage, the U.S. continued to dominate possession, allowing Egypt only brief spurts of attack. A second U.S. goal nearly came through a long range strike from Kljestan with 12 minutes left, but Shaaban was up to the task, and the U.S. finished the match satisfied with their one-goal win.
Jason Halpin is a contributor to MLSnet.com. This story was not subject to the approval of Major League Soccer or its clubs.


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|Titelblatt des Rollentagebuchs des Schauspielers Willy Birgel, mit Eintragungen aus seiner Aachener und Mannheimer Zeit 1919–1929 23,8 x 19 cm
Mein Tagebuch
Name: Willy Birgel
Fach: Schauspieler (Charakter-Liebhaber, Bonvivant u. übertragene Fächer.)
Mitglied der Genossenschaft seit: 1. November 1913
Genossenschaftsnummer: 20075
Bemerkungen: v. 15. Juni 1915 bis zum 23. Dezember 1918: Kriegsteilnehmer an den Fronten: Serbien + Frankreich.Collection: Reiss-Engelhorn-Museen, Mannheim
|Sammelleidenschaft, Mäzenatentum und Kunstförderung. Kostbarkeiten aus dem Museum für Kunst-, Stadt- und Theatergeschichte im Reiß-Museum der Stadt Mannheim, ISBN 3-89466-039-2
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I have 3 year old fraternal twin girls that were born via emergency csection after I was in labor for 3 days. I was induced due to pre-e at 33 weeks 2 days, had an allergic reaction to cervadil, got a foley balloon, pitocin, magnesium- only dilated to 4 by late on the third day of labor and had an emergency csection due to exhaustion and doctor's fears that the twins would start to go down hill. I felt every single part of the section, it was awful and my recovery was equally awful, adding to it my girls were born at 33 weeks 5 days and were in the NICU for 4 days then transferred to a special care nursery a bit closer to home, about 45 minutes, where they stayed for 21 and 31 days. My body just wasn't ready for labor is what I keep telling myself.
I am pregnant now, due March 28th with a little boy and am planning a VBAC. I will be having this baby at the hospital 45 minutes away where the special care nursery is, they are the only hospital in the area that allows VBACs or TOLACs. They require me to get an epidural, will not let me try the water birth I wanted, but will do internal monitoring so I can walk during early labor. I have an excellent midwife and the other midwives are great too, I love the doctors in the practice and just yesterday I hired a DOULA that is in training and am really excited to work with her. My biggest fear is that I won't go into labor on my own or that pre-e will develop again. I am trying to stay positive about pre-e though, because last time my chances were much higher to develop it due to having multiples and it being my first pregnancy. I just hope my body remembers labor and start it on its own. My doctors will not induce a VBAC (vaginal birth after cesarean section) but will allow pitocin to be used to speed labor up a bit. My doctor did schedule a repeat c-section for two weeks after my due date just in case I do not go into labor on my own, as you can imagine I am trying to avoid this happening.
I am looking for words of encouragement and words of advice from those of you who had a csection due to pre-e followed by a successful VBAC. Share your stories please.


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A Friend to Talk To
We all sometimes just need someone to vent to or even just be there. If you want my advice I'm happy to give it, but if not I'm ready to simply just listen. I am willing to chat with someone up to an hour at a time to provide an extra ear that is judgement free.
Training & Qualifications
I'm a good person with an open mind.
Availability & Preferences
Once a week Monday through Friday after 1 pm and before 10 pm.
Reviews of Leeah
Ashley received unit of Pictures of our Cats from LeeahFeb 10, 2017
Mike received session of A Friend to Talk To from LeeahJan 02, 2017
Nubs received unit of Pictures of our Cats from LeeahDec 19, 2016
Misa received unit of Pictures of our Cats from LeeahOct 04, 2016
Jason received session of A Friend to Talk To from LeeahOct 03, 2016
Gerald provided session of Dharma and meditation lessons for LeeahSep 27, 2016
Sheba provided unit of Learn a neat fact about Insects for LeeahSep 25, 2016
Eric provided hour of UFOLOGY for LeeahSep 23, 2016
Jesus provided Help with Help Organizing for LeeahSep 21, 2016
Jacob provided unit of Bad Jokes for LeeahSep 21, 2016
About Leeah Gingell
Hi there! I'm Leeah. I'm a friendly, hardworking person with a fair amount of patience. I have some experience in quite a few things. But, you know what they say, "Jack of all trades, Master of none."... I spent the majority of my early 20's looking for something to be passionate about, but I haven't found anything (that will make me money anyway.) While I have experience in hotels, art, communications, theater, radio and much more, I have yet to find a spark in any one field. What am I passionate about? Raising my daughter. So, most of my time is spent on her. She's not even a year yet, but I have never felt stronger about anything. The only other is people. My biggest belief is that the more people communicate, the more they can understand each other. Ignorance comes from avoiding those with different experiences. As a collective we should try to learn as much as we can from each other, so that we can gain as much perspective as possible. Maybe this is the ultimate reason I jump to learn so many different things. Nothing bad has come from changing my interests as often as I do. It has only allowed me to meet a rainbow of personalities, and I am very thankful for that. show moreOpen to other proposals
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