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Today it's been a year since Heini and I decided to share our experiences traveling and diving, sometimes sarcastic but always honest we hope you've enjoyed and continue to do so. A year ago we were jobless and hungry to find a place to call home. After transiting Europe with all our worldly possessions in our…
Category: Videos
My First Encounter with a Whale Shark – VIDEO
I signed up for PADI Open Water Diver course in Malaysia in 2005 and since then I've always dreamed about that special day when I would see my first whale shark. It took me over ten years and about 1500 dives when this magical moment finally happened few days ago here in Panglao, Bohol,…
Video: Amazing Palau
So how great was the diving in Palau? Take a look at this video and make up your own mind. Comments and questions highly appreciated! Also read: Travel destination: Palau Palau: Incredible diving destination, expensive accommodation Ghosts of Peleliu
Welcome to Dive Dreams
Dive Dreams is travel page with stories around the world, best scuba diving destinations and food cultures (especially vegan options!), meeting new faces from the animal kingdom, respecting nature and all its wonders.

subset: commoncrawl


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Why #Netflix Is Making Me Absolutely Unmotivated in 2017 #StreamTeam
My couch and my butt plan to be besties in January because I saw the list of what is coming to Netflix and I am clearing my calendar now. Caddyshack,…Read more
My couch and my butt plan to be besties in January because I saw the list of what is coming to Netflix and I am clearing my calendar now. Caddyshack,…Read more
I love Netflix. I think this comes as no surprise to any who know me well. But the real reason I love Netflix is because I can watch Gilmore Girls…Read more
You do realize the hardest part of writing these posts are coming up with a title, right? My original title was going to be It's Halloween So Here's Some Scary Stuff…Read more
I have said it here before many times and I will say it again: I hate the movie theater. Hate. Detest. Loathe. Skin crawls. Why? Because of lice. And because…Read more
Whenever I hear the name Radio Flyer, I relate it to little red wagons. Oh sure, they make much more than just little red wagons but for me Radio Flyer…Read more
My dad is what one would call a music connoisseur. He loves music, I mean LOVES music. So much, that in fact my first memory is about music. Songs…Read more
Last year I shared with all of you about Hair Cuttery's Share-A-Haircut program and it is something that I have become passionate about. If you aren't familiar, this is a…Read more
This month, Netflix is asking me what my daughter's have learned by watching Netflix. Apparently, they think that learning stops when you become an middle aged blogger. To which I…Read more
My husband is a really good golfer. I don't know this for a fact because I have never seen him golf but I have been told this. A lot. By…Read more
I am late in writing my latest Netflix post because I spent the past five days in beautiful Utah. I will be sharing more of that in a later post.…Read more


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Pretty easy, overall.
Course Overview:
This course pushed me to think outside of the typical western mindset when it comes to medicine, rituals and beliefs. Beth really examines how our predispositions are formed and asks us to challenge our own biases based on the society in which we were raised. If you are looking to explore a new way of though or just curious what promotes beliefs of certain cultures or tribes this is the class for you
Course highlights:
The required readings surprised me. I did not think i would like them but they were fantastic as were the in class videos that demonstrated some of the topics that we read about
Hours per week:
3-5 hours
Advice for students:
All papers should be written with an open mind. If you come at this class like a scientist or from a purely logical point of view you will not do well


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|550 sq. ft.
|Property type
|Minimum Stay
|3 nights
Enjoy the rich beauty of this completely rehabbed and redesigned condo with top of the line hardwood cherry cabinets, granite tile counter tops, high level appliances, and unique bathroom fixtures. Amenities include a Select Comfort sleeper sofa bed. Adjust the firmness to your comfort level. The queen size bed is a Heavenly Comfort bed and is the bed choice of top hotels.
This is the only unit at Sapphire that encloses the bed for privacy; this is truly a one bedroom unit. The entire unit has been redone with quality materials. The pictures tell the story. This corner unit has a large, wrap around balcony with fantastic views of St. John and the British Virgin Islands. The condo is right on the beach with gorgeous flamboyant trees, palm trees and seagrape trees lining the shore, only steps from the crystal clear swimming beach and magnificent snorkeling.
Sapphire Beach Marina provides opportunities for deep sea fishing, sunset sailing, cruising to the British Virgin Islands, and jet skis. A variety of water sports are available at Sapphire Beach. Located at the eastern end of St. Thomas, Sapphire enjoys the cooling tradewinds providing a comfortable tropical environment. Red Hook is 5 minutes away with shopping, restaurants and night clubs. The Ferry from Red Hook to St. John, Tortola, Jost Van Dyke and Virgin Gorda is also minutes away.
Pretty Klip Point, located beyond the pool is the perfect wedding location (recommend a dvd video of the event instead of photos). Then enjoy your honeymoon in this beautiful unit.
Keywords: Condominium
Sunset cruise in paradise. Jim is a civil engineer who leaped at the chance to work in his adopted home. Sheila is a retired psychologist returning to St. Thomas for the beauty, the weather and the incredible waters.
Sheila Morrison purchased this condo in 2007
We have traveled the world over, and there is no combination of climate and views to compare anywhere.
The views of the islands, the warm Carribean Ocean, the constant temperatures between 65 and 92 degrees year round.
Close to everything a lot of restaurants a lot to do. Condo was clean and well-kept. Felt at home. Actually was very surprised at how much fish and wildlife there was to see snorkeling right in front of the condo.
We had another wonderful time at Sheila's condo. Our 2nd yr/the weather & accommodations were splendid. Great views from balcony & nice tropical breezes-able to leave AC off. Beach is awesome & swimming is perfect. Recommend going to St Johns for a few days - awesome beaches sand & sun. The food in town is great anywhere you desire to eat/no fast-food chains-hard to believe who needs them with local restaurants. Condo once again was amazing/has everything you need & then some-just need beach/two chairs/picture of Mai Tai's.
What an AMAZING time we had in St. Thomas! Sheila and Jim were the best!
The condo was perfectly located on Sapphire Beach right near the swimming beach which was the cleanest sand with plenty of shade if desired as well as sunbathing area. The balcony was a great spot to relax, people watch, enjoy views, have a quick bite to eat, or just enjoy the sights/sounds of the ocean! Hammock was a bonus! Inside of the condo was 100% perfection! Not only beautifully decorated with the top amenities but also felt like home away from home as it had EVERYTHING we needed. We got married while on our trip and there was only one thing I had wished I had...a full length mirror. It didn't make or break the trip but one thing I'm used to having. Entertainment area stocked with movies and Play station and a fully stocked kitchen. Jim even had a few drinks in the fridge waiting for our arrival.
Sapphire Beach had great snorkeling. My husband saw stingrays, eels, barracudas, sea urchents, a zillion fish!! He stayed out for hours one day exploring the underwater! Great walks on beach morning and night!
A few things we highly recommend: Go to Melt in Red Hook for HUGE awesome burritos! If you like pizza, go check out Slice right up the hill from Sapphire, or Senor Pizza is good too, we got a large with 5 toppings delivered for $26. Off the Grid is a must eat, super cool spot! Great smoked mussels and a Mac and cheese burger to die for w/sweet potato fries and ginger ketchup. Go to downtown Charlotte Amalie and shop! Jewelry galore and the prices are great! We ate at Bumpas...they had the best fish tacos I have ever had! Had breakfast at Fish Tails one day, it was great food and great bloody Mary's. We also did all our grocery shopping at Moes market right in Red Hook. Must go to Coki Beach for a day and enjoy the true island vibe. Gets busy in the afternoon so head over early for a great spot with chairs and umbrella. Ask for dog biscuits and go out snorkeling, the fish are abundant and they will eat right out of your hand. And you have to get a fresh coconut and have them fill with a yummy rum drink! Take a few hours and go swim with the Sea Lions at Coral world. It was an awesome experience. For something more quiet and laid back, spend a day and take the ferry over to St John. If you want a beautiful sunset, head to Limetree Beach, over to the right at the end of the beach! Gorgeous!
All in all, an AMAZING time, we will be back!
We had a wonderful visit to Sapphire Beach. The condo was perfect for our family of 4 and provided easy access to the beach. We all enjoyed breakfast on the deck! This condo is in a great location - so close to the marina for our trip to BVI and parasailing, and to the ferry to get to St. John. Sheila provided a ton of information about things to do in the area, and we enjoyed beach hopping to many she suggested - Coki Beach was our favorite for snorkeling! The condo was clean and had everything we needed for our stay. I would definitely stay here again!
Sheila's corner unit on Sapphire Beach was perfect. Great view and proximity to the nicest part of the beach. It had everything needed and more (snorkel gear, DVD selection, games). The location on St. Thomas also worked very well for us. We could stay on property and have everything needed, but the town of Red Hook was also a short taxi ride away and had a lot of fun restaurants. The ferry was also right in Red Hook and we used that one day to cross to St. John's. I highly recommend doing the Kayak, Hike, Sea Turtle Snorkel tour at Honeymoon Beach on St. John's. Overall we were very pleased with the entire trip and can't wait to get back some day.
Just spent a week (Feb 20-27, 2017) at Sheila's condo. This place is simply impressive. The view from the wraparound deck to the comfy bed was great. We had an absolutely amazing time! Often times pictures look better than the real thing, but not this place. It is fully equipped with everything you'd need to cook, beach or relax. Honestly, the only thing we were missing was a collapsible or portable ice chest. But we purchased one at Moe's in Red Hook for about $7. You could honestly spend your entire time at Sapphire relaxing, swimming and snorkeling. The staff is great at the beach, rental shop and bar. We explored the whole island and day tripped to St John with our rental car (very easy to do if you are a decent driver unafraid of driving on the left side). If you plan to stay at Sapphire no need for a car. Sheila was so easy to communicate with. It was a great experience. Do yourself a favor and book this place. We'll be dreaming of breakfast on that balcony and cocktails in that hammock until we return!
The marina provides many activities from deep sea fishing to parasailing and ski jets. Also sailing opportunities and trips to the British Virgin Islands. Many more activities in nearby resorts. Sapphire Beach is a gated condo community with 24 hour security.
|Cleaning Fee
Holiday Rates are higher: Memorial Day, Labor Day, July 4, Thanksgiving - $300 each night for 2 nights
Easter, Christmas, New Year - $350 each night for 2 nights.
Rates are subject to change until reservation is confirmed.


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- ticket title
- Dev Patel seems to have found his new partner in sexy Nargis Fakhri
- Sprinklr, brainchild of Indian American entrepreneur Ragy Thomas, surpasses $1 billion valuation
- Risa Realty to showcase prime real estate properties in India at shows in Virginia, New Jersey
- In high-tech Karnataka Kannada language to be the instrument of teaching in schools
- NYPD police officer racially abuses, threatens Uber driver of South Asian origin
Shonali Bose's 'Margarita with a Straw' is opening night film of NYIFFMarch 24, 2015
Aparna Sen's 'Saari Raat' will be the centerpiece.
AB Wire
NEW YORK: Shonali Bose's 'Margarita with a Straw' will be the opening night film at the 15th edition of the New York Indian Film Festival (NYIFF), to be held from May 4-9, in Manhattan.
The film, starring Kalki Koechlin, Revathi and Sayani Gupta is the poignant portrayal of a rebellious young woman with cerebral palsy who leaves her home in India to study in New York, unexpectedly falls in love and embarks on an exhilarating journey of self-discovery.
The centerpiece film of the festival is Aparna Sen's 'Saari Raat', a play in three acts by the legendary Bengali playwright and theatre personality Badal Sircar. It is also Sen's tribute to Badal, who passed away in 2011. The film stars Anjan Dutt, Rittwik Chakraborty, and Konkona Sen Sharma in lead roles.
The closing night film of the festival will be announced next month, according to a press release.
The festival will also see screening of Vishal Bhardwaj's Shakespeare trilogy of Maqbool, Omkara and Haider (the latter is the winner of five national awards for Best Dialogues, Best Music Direction Songs, Best Male Playback Singer, Best Costume Designer and Best Choreography), followed by a discussion between Bhardwaj and a Shakespearean expert.
Also at the festival will be 'Daughters of Mother India' (winner of National Award for Best Film on Social Issues – Non-Narrative), a documentary film focused on the aftermath of the Nirbhaya rape incident.
There will also be 'Benegal's New Cinema', a documentary on Shyam Benegal's films, followed by a discussion with Benegal about the new cinema movement, in India.
"Every year, we strive to make our programming unique and relevant, based on the incidents that are occurring around the world, in South Asia and in our own backyard, New York City," said festival programmer Aseem Chhabra. "These selected films, which have won a combined total of nine National Awards, serve as a mirror, and we hope that our audiences can see their lives reflected in these stories."
The NYIFF 2015 Features and Docs (in alphabetical order) are:
A Moment of Mishearing
Being Bhaijaan
Bench Talkies
Benegal's New Cinema
Bey Yaar
Chotoder Chobi (National Award Winner for Best Film on Social Issues – Narrative)
City of Dark
City Lights
Coffee Bloom
Daughters of Mother India (National Award Winner for Best Film on Social Issues – Non-Narrative)
Elizabeth Ekadashi (National Award Winner for Best Children's Film)
Gour Hari Dastaan
Haider (Winner of FIVE National Awards)
I am Steve Lopez
Kakka Muttai (National Award Winner for Best Children's Film & Best Child Artist)
M Cream
Margarita with a Straw
Meet the Patels
Miss India America
Rough Book
Saari Raat
Yeh Hai Bakrapur.
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The Ultimate Guide to Choosing Window Blinds A blind is a blind is a blind, right? Wrong. Aside from the obvious differences between quality blinds and cheap blinds, there are also dozens of considerations that can determine which sort of blinds is best for you.
Rather than subjecting yourself to the costly and time-sucking ritual of trial and error, check out these guidelines on buying blinds and spare yourself the hassle.
First things first. There's no point falling in love with a set of blinds you simply can't afford, so determine your budget. Just bear in mind that while economy is good, being overly frugal is not a good idea in the long run. Sure, you can get super cheap blinds, but you'll also be replacing them every few years. Better to invest in good quality blinds and have them last for life. Don't spend more than you can afford, but if you can't afford something solid, save until you can.
Next consider where you'll be using the blinds. A bedroom? A dining area? Den? Office? Nursery? This matters because different types of blinds have different strengths.
Let's take a look:
Vertical blinds. Vertical blinds are the most popular blind for patio and sliding doors, since you can walk through them, even when they are closed. So, you get visual privacy and physical fluidity.
Honeycomb Shades. These are the best shades for bedrooms. Not only do they provide privacy, but they also come with black-out options, so you can sleep in total darkness - which sleep experts agree is the best way to slumber. In addition to privacy and light control, Honeycomb blinds also have thermoregulation properties, which will help keep your room cool in the warmer months and toasty in the winter.
Venetian Blinds. Popular in offices, kitchens, basements and bathrooms, Venetian blinds allow you to control privacy as well as light by simply adjusting the slat rotation.
Roman Shades. Roman shades are a wonderful choice for spaces where you want to create a luxurious feel. Elegant with graceful folds, this shade affords privacy and sophistication.
Cordless. Most blinds and shades come in cordless options these days. This is particularly useful in children's bedrooms, nurseries, or professional spaces frequented by children since there is no potentially dangerous chain or cord.
Roller Shades. Also known as solar shades, roller shades are ideal for areas with large windows, like sunrooms or offices/living spaces with vista windows. You can order them with customized sunlight and UV filters, so you're only getting as much light as you want. (Blackout options are available.)
At this point, it's important to distinguish between shades and blinds. While the terms are often used interchangeably, they're not actually the same product. Shades are made of a single piece of material. So, while you can customize the light/UV filter of your shades when you order them, you can't adjust them when you get home. You get one setting. That's it. As mentioned, this is ideal for areas where privacy and temperature/light control are major considerations, but if you want to be able to play around in the grey area between light and darkness, then blinds are your best bet. Blinds have slats, which you can rotate to allow for more or less privacy/light. Blinds do provide an element of temperature control, but not as much as shades.
Traditional shades are pulled down and retract up, but these days you have another option. Top-down/bottom up shades offer a middle ground between the benefits of blinds and conventional shades, affording you natural light from the top, and privacy from the bottom. Which one you'll want will depend on where you're planning to install your window treatmen.
No matter what you decide, blinds and shades are insanely versatile and stylish, coming in an impressive spread of colours and made from a range of materials. Whether you want timber Venetians to polish of the classic and natural look of your den, or pink cordless Romans for your daughter's bedroom, you can rest assured you'll never have to compromise fashion for functionality.
|Rate: 49


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|Witch Trials
|Event Information
|Full Name
|Witches being hunted and executed by mortals
|Species Involved
|Event Description
|Preferred forms of execution
Witch Trials are events in which witches are hunted by both Witch Hunters and townspeople, often with the objective of execute them. Captured witches are either drowned, hung or burned though there are reports of witches being lynched and stoned alive.
After Magic was exposed there was a peroid of tension between the mortal and magical communities that ended when the Source Cole Turner attacked San Francisco in a attempt to take over the Nexus and turn his ex-wife Phoebe Halliwell into his evil consort. Though the Charmed Ones - along with an army of good magical creatures - managed to defeat the demonic army and foil Cole's plan the battle caused the government to declare witches to be dangerous thus starting a wave of witch trials.
Secular TrialsEdit
Witches captured and executed by secular government forces were treated kindly as the government to follow the national laws. These witches were chained and put in electrified cells where they were under constant survailance. Once found guilty these witches were executed through
Despite this being the usual there were some government workers whose hatred of witches was so great that they were aggresive towards them. They would often beat the captured witches and use intimidation tactics against them.
Mob LynchingEdit
However most of the executions were done by rogue angry mobs and most of the executed often suffered torture, rape and starvation under these conditions. Most of the accused victims were not actually magical but mere mortals who wronged some member of the mob.
These victims were then hanged in a public, humilliating and degradating ways.
- Piper Halliwell
- Paige Matthews
- Melinda Warren
- Alexander Cayton
- Melissa Cayton


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So Tell Me About Savannah
25 comments
Savannah has been on my list for years. I think you've got a great start to your planning. I've heard Paula Deen's restaurant is a MUST eat.ReplyDelete
I live in Bluffton/HHI/Savannah and you will just love the area! The hop on/off tour is probably your best bet to get the most out of your time. must sees: river street, forsyth park, city market, wormsloe plantation, and the olde pink house! most of savannah is connected by squares so really you just have to get walking and you will stumble upon so much! when it comes to eats: river street sweets (candy/chocolate), olympia cafe on river street, zunzis, soho, public kitchen, collins quarters, and crystal beer parlor! also if you are in the mood to drink: world of beer is a great place to check out! ps. if you are in the market for some portraits while in town, I am a photographer and would love to connect (www.jbmariephotography.com) have a wonderful trip :)ReplyDeleteReplies
Mrs. Wilkes Dining Room is a must! They are only open from 11-2 and it family style dining with tables of 10-usually all strangers. The doors open at 11, but you have to get their quite early. It was delicious and always a recommendation for those heading to Savannah.ReplyDeleteReplies
If you are looking for something a little quicker to eat since you are only there for a day check out Vinnie Van GoGo's pizza in the City Market area. Also a cute area to walk around. :)Delete
Love love love Savannah! We did a lot of walking around and checking out the shops. We did the trolley tours which was neat because it explained different historical things. We also ate at Paula Deen's restaurant and I've gotta be honest, it wasn't worth the money in my opinion. The Paula Deen shop itself is cute but we've tasted more authentic southern cooking in other places (I'm biased to southern cooking because duh, I'm a southerner lol!). Definitely try to eat breakfast at Clary's Café - so good!ReplyDelete
Savannah is on my short list for places to visit! It looks like one of the quintessential Southern towns, and so beautiful! I can't wait to hear what y'all end up doing when you visit!ReplyDelete
I've seen a few bloggers go to Savannah, and I feel like it was relatively recently. All I know is it looked beautiful. I dont have any recommendations for you, but I look forward to hearing some from you once you get back!!ReplyDelete
I don't have any recommendations (sorry!), but I'm excited to hear yours after your trip!ReplyDelete
My husband and I have had a few fun weekends in Savannah. I'm a bit sad you'll only be there one day cause there is so much to see/eat! We didn't do a tour but just walked around. I've heard good things about their haunted tour which might be more fun at night. We ate dinner at Alligator Soul and Sapphire Grill-- both were really good but I have particularly fond memories of the latter. We were there over St Paddy's Day which is HUGE there and you can drink on the street like New Orleans so it was pretty crazy. Walk along the river and get some peanut brittle- Really good people watching. Have a blast!ReplyDelete
I've not been to Savannah but my family has and they recommend staying away from Paula Deen's (like someone mentioned above). While it was not bad, to be honest my stepmom loved it because of the hype, my dad and sister thought they have had better food elsewhere, not to mention the prices were not the best.ReplyDelete
If you were ever a girl scout, seeing Juliette Gordon Low's birthplace is somewhere to stop. Supposedly they sell cookies there year round. Again haven't been but its on my list.
My sister said to check out this website: http://bucketlistjourney.net/2012/09/bucket-list-of-25-things-to-do-in-savannah-georgia/
You will LOVE Savannah! Nick and I went in March 2014 for a week, and we still have so much left to explore. I'm a total history buff, and I loved Main Street. The squares were charming. We had ice cream at Leopold's, and we tried to eat at The Olde Pink House but couldn't get a reservation. I also went on a couple of ghost tours, and it was a great way to explore the local lore (whether you're a believer or not - plus it was a way to gain access into some of the typically off-limits areas to tourists). I cannot wait for your re-cap of this trip!ReplyDeleteReplies
Yes to Leopold's!Delete
Savannah is gorgeous!!!! It has been several years since I have been, so I really don't have a lot of suggestions as far as places to go. However, the streets of Savannah in general make for amazing pictures. I know they do ghost and historic tours there which would be really cool!! I hope you all have a wonderful time!!!ReplyDelete
I totally regret not making a day trip to Savannah when I lived in North Carolina. It would have been so worth it, I hear it's beautiful! Can't wait to read all about your trip!ReplyDelete
So fun! We went there for a wedding, so pretty! Loved all of the weeping trees. Sorry don't have any food recommendations. We went to Paula Dean's restaurant, they give you a pancake looking thing when you sit down instead of bread, really good, definitely an experience, but maybe something you go look at instead of actually eating there. The shop is cute and we got a signed copy of one of her cook books. Have fun!ReplyDelete
I would loveee to see all the houses. Can't wait to hear about your trip!ReplyDelete
I've never been to Savannah but my mom and sister have been countless times and they LOVE it! Can't wait to hear your recap!ReplyDelete
I love Savannah! For dinner, PLEASE consider the Pink House Restaurant. Amazing food (I love the she crab soup) and ambiance (big old southern mansion, staff walking around in Civil War era garb and singing, etc), and the bar in the cellar is really old time-y and cool. I've eaten at Paula Deen's and it is definitely not worth the inevitable wait. As far as yours go, Savannah Dan does a free 2 hour walking tour, and you tip only if you enjoyed it (we thought he was great). The ghost tours are really fun too. Have a great time, Savannah is such a beautiful city!ReplyDeleteReplies
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The Pink House is amazing to eat at. Sit at the river and listen to music. The cathedral is absolutely gorgeous! Go see Eimir play trumpet in Forsyth park - he's such a nice guy!ReplyDelete
Savannah is SO charming!! It's gorgeous in the Spring time and it's such a walkable city. You'll love it. My favorites are recapped here from our trip last Spring: http://polka-dottyplace.blogspot.com/2015/03/road-trip-to-savannah-ga.html and http://polka-dottyplace.blogspot.com/2015/03/the-best-of-savannah.htmlReplyDelete
So, Eric and I spent eight days In Savannah last September and there is so much to see, I'm not sure how you will ever squeeze it all in!ReplyDelete
We did the "famous and secret east side food tour" and it was so, SO awesome. But, if you were leaning away from a walking tour (due to being pregnant and Savannah being one of those most humid places I've ever visited) then my favorite things from the tour were the incredible fried chicken at the Pirates house and the pralines from savannah's candy kitchen.
I heard rave reviews all week long about Mrs. Wilkes and the Pink House, though we did not get to eat there.
As far as sweets, Leopold's was seriously incredible for ice cream! We also visited Lulu's chocolate bar, which had an amazing selection of desserts and chocolatey cocktails.
We also did the on-and-off trolley tours and this is definitely your best option for packing in a lot into a small period of time. You get to see all the highlights and only have to get off if something truly interests you. Your passes are good all day long and if you walk around and find yourself at a totally different stop, you can just pop on at any time, it's wonderful.
ALSO, if you are going to do any amount of driving around Savannah, don't forget quarters! Everything runs on old school parking meters.
Happy planning ☺
Please share pictures! Savannah is on my list and I can't wait to see what suggestions you have after your trip!ReplyDelete
Thanks SO much for taking the time to read and comment on my blog! I read each one and love to respond and chat with you! :)


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These agreements allow traders to make faster trades since the time used to settle the receiving agents is conserved. SC Department of Consumer Affairs Maximum Rate Schedule Welcome to National Finance Company and First Beach Finance On-line! Finance company is an organization that originates loans for both businesses and consumers. Consumer finance or small-loan companies also arose in the 1900s. Exclusive Loan Preparation and Capital Access Services Our proven system combines a simple data gathering process, professional and compelling financing materials as well as a comprehensive evaluation of lending alternatives that may include banks, non-banks and private lending sources that match your company's needs. The staff is friendly and willing to work with their clients. What made you want to look up finance company? So once the deal was done, they would send the customers to the next office to determine the term and amount of the loan. " Was this Helpful?
As a U.S. Mint-authorized purchaser of gold, silver and platinum coins, A-Mark purchases bullion products directly from the U.S. Mint for sale to customers. A-Mark also has distributorships with other sovereign mints, including in Australia, Austria, Canada, China, Mexico and South Africa. Customers of A Mark include mints, manufacturers and fabricators, refiners, coin and metal dealers, banks and other financial institutions, jewelers, investors and collectors. For more information about A-Mark Precious Metals, visit www.amark.com . Through its subsidiary Collateral Finance Corporation, a licensed California Finance Lender, the company offers loans collateralized by numismatic and semi-numismatic coins and bullion to coin and metal dealers, investors and collectors.
For the original version including any supplementary images or video, visit http://finance.yahoo.com/news/mark-precious-metals-establishes-275-120000425.html
If you receive a call from someone claims to be from United Finance and asking you to send them money in any way to receive a loan this is a scam. A consequence of this might be fewer banks serving specific target groups, for example small-scale producers could be under served. 3 Standard settlement instructions edit Standard Settlement Instructions SSAs are the agreements between two financial institutions which fix the receiving agents of each counterpart in ordinary trades of some type. Feel free to contact us to set up a consultation. YES NO 9 people found this helpful. In today's competitive businesses' environment, getting the updated equipment required to ladder your business is crucial. Finance company is an organization that originates loans for both businesses and consumers. Finance company, specialized financial institution that supplies credit for the purchase of consumer goods and services by purchasing the time-scales contracts of merchants or by granting small loans directly to consumers. It is time for your business to grow.


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When I first started my travel website, I didn't even know about WordPress. Instead, I spent hours in front of the computer trying to figure out the quirks of an html site using Microsoft Frontpage. YES, I DID JUST DATE MYSELF BY TYPING THAT.
But then I finally discovered WordPress. It is SO EASY to create a travel website using it, bringing much joy and simplicity into my website building life. I have seen the light and would now like to pass a little gift onto others in similar need of a website with travel in mind: a guide to making your own travel website.
Being on the go, you want a website that is easy to access and update from random places across the globe. Your best bet for ease of use is a WordPress blog format since you can update the site from any internet enabled device, meaning you don't need to be tied to just one computer. There are plenty of resources for free blog websites, like blogger.
However, maybe you don't want a standard cookie-cutter blog. How would you go about making a great travel blog?
How to Make Your Travel Blog Sites
- Step 1: First, you need to purchase a domain name – something catchy and definitive of your trip plan or purpose. You can get domain names for fairly cheap through GoDaddy. DON'T DO THIS: If you plan to get your hosting through Bluehost (mentioned in Step 2) as you get a free domain name with new plans!
- Step 2: Next, you need to purchase a hosting plan (yes, it is an investment, but you'll see there are different plans and prices to suit your needs. The hosting can also be used as a way to back up pictures, software, and other documents along the way.) When it comes to a good starter hosting plan, Bluehost does an excellent job- and they also offer a free domain name with your purchase. See all the Bluehost plans here.
- Step 3: Now that you have your site name and hosting account, it is time to install the blogging software. I use and recommend WordPress; Bluehost offers a free one-click install service as well. Did I mention that it makes travel blogging super easy?
- Step 4: The fourth step is to find a WordPress template (if you decided on WordPress- otherwise that specific software's template). This will be the look and design of your new travel site. If you are having trouble finding a WordPress template you fully enjoy, be sure to check out Themeforest or Mojo.
- Step 5: That's it! You are all set up. Now just add a couple of plugins and become a diligent blogger, and you'll have yourself a great travel website, too.
>> If you need more specific and thorough instructions, check out this in-depth guide I created on How to Start a Travel Blog.
Tips for Great Travel Blogging:
- Use photos as often as possible. A post without a photo is like a huge open field with nothing that draws the eye!
- Post often. Going too long between posts will let readers give up on you, to say the least.
- Focus on quality, rather than quantity. Your post may be long, but it might not really say much. Make it worth the reader's time!
- Gain readership. Building up newsletter subscribers can be a great addition to your blog so you have another avenue to share and connect.
>> You might be interested in joining Travel Blog Success to grow your travel blog.
*This post may contain affiliate links.


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Rocky Patel Vintage 1992 Juniors (5)
Rocky Patel Vintage 1992 Juniors cigars are handmade with a smooth-smoking blend of 10-yr-aged Dominican & Nicaraguan longfiller tobaccos pressed in savory Ecuadorian Sumatra wrappers. Presented in a sleeve of 10 tins, these medium-bodied little cigars make a deliciously rich and satisfying smoke!
My girlfriend got me a tin of these cigars and I just had my first one. It is just as good at the full size Vintage 1992's. The draw was smooth from beginning to the nub at the end. The smoke was rich, smooth, and luxourious. The ash held together for about 3/4 of the length. And the taste was as good as it gets. The other smokers I work with were, as always, envious. Even the non-smokers walking by gave me compliments on the aroma. You can't ask for much better.
This is my first rocky and it left a good impression. Generous amount of complexity equals very satisfying experience. Will definitely be coming back for more of the vintage line.
The Rocky Patel Vintage 1992 Churchill size is one of my favorite cigars but I don't always have two hours to smoke away. These juniors are every bit as well constructed & flavorful as the Churchills but take less than half the time. If you're a fan of the Vintage 1992 in other sizes/are looking for an excellent quality fast smoke I'd recommend you try a tin of these.


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My American Duchess by Eloisa James
My rating: 4 of 5 stars
4.5 stars.
My first Eloisa James read was a success. I'd planned to start with her Fairy Tale series, but changed my mind upon hearing that this was supposed to be a standalone. Not only that, but I've always wanted to read a historical set in England with one of the main characters being American. Therefore, I decided to try a new author, and read an English-set historical romance with an American heroine all at the same time.
Since the title is about her, I thought I'd start by talking about Merry. I really liked her. She was extremely kind, even going out of her way to make up for ruining a woman's reputation, due to her not knowing all of the British customs. That lack of knowledge just endeared Merry to me even more. It's nice sometimes to read a book about a heroine who hasn't got all of society figured out. Merry was also intelligent and stubborn, which meant that she wasn't someone who was easily controlled. She spoke her mind whenever she could get away with it, and did as she pleased. Adding to all this, I felt a bit sorry for Merry. Due to her past with men, she never knew if she was fickle, or just hadn't found the right person for her.
Then, there was Trent. I was an immediate fan. It was refreshing to read a book where the hero wasn't afraid of marriage. Trent was afraid of love, but never marriage. Said fear of love came from a childhood where his mother favored Trent's twin, Cedric, and I immediately felt bad for Trent upon learning this. Lastly, and most importantly, Trent was just a good guy. He would do anything for the people that he loved, even if they were jerks. He had honor, loyalty, and the capacity to do a good deed for someone he didn't really know.
Any discussion of side characters within this novel has to start out with Cedric. Cedric was Trent's brother, and Merry's fiancee. He said all the right things by society's standards, but he wasn't the perfect man Merry thought him to be. I really couldn't wait to be rid of him, and that is the mark of excellent writing. Then, there was Merry's aunt and uncle, Bess and Thaddeus. It was really great to see guardians act as parents, with no villainous intent as is so common in books. I loved how Bess was a poet, and her thousand-line poems just added a level of fun to the story.
So as not to spoil things, I'll make plot discussion vague. Merry came to London after jilting two previous fiancees. Upon arrival, she met and quickly fell in love with Cedric. During this book, she discovered that things weren't all that they appeared with him, made some intriguing discoveries about English society, and found the right man for her, through some rather interesting circumstances. The first half wasn't amazing(mostly because I hated Cedric), but I still found it unputdownable. And then the second half? Well. I skipped meals, ignored my phone and just read as much as possible.
With all that in mind, I'm sure you know I'm recommending this book to all readers of historical romance. The heroine was just so stubborn and kind. The hero was a good person, despite his understandable fear of love. The plot kept me riveted, and I had lots of trouble stopping for a break. Eloisa James sure knows how to capture a reader's attention, and I will certainly be back for more of her stories.


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I have never understood some folks' mindset. We have a big bru ha ha right now in NC over the "bathroom bill" Seems it is o.k. for someone to use the restroom that matches their gender identity and disregards their plumbing. We had a Federal Judge here in Rowan county put the clerk of court in jail for five days for refusing to issue marriage licenses to same sex couples, despite a federal law, a state law, and the woman's conscious being against it. She too an oath to uphold the law, not bow and scrape to every federal judge with an opinion.
Now it looks like defending yourself against a violent attacker is against the law. It violates the attackers civile right to a fair trial if you shoot his sorry behind to the ground and he dies. Here is the link to the huffpost article. http://downtrend.com/71superb/huffpo-shooting-in-self-defense-is-illegal-because-it-denies-violent-criminals-a-fair-trial
We live in strange days. Black is white, up is down, and defending my person from a deadly assault denies the assailant a fair trial.


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We are looking for an investor for an operational existing hotel in Niagara Falls Canada, This hotel been in business for over 30 years and it generate an excellent cash flow and a good real estate as well.
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In this episode of Its a Miraculous Universe Radio, we will be talking about Twin Flame relationships, what they represent, and what the purpose is for each of us connecting during this time on earth. Hosts Wind and Allison will be sharing our stories about being in a Twin flame union as well - it isn't a fairy tale! But it is incredibly Divine.
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|Trading volume 24h recalculated to BTC
|0.0000000 mBTC
|Trading volume 30 days recalculated to BTC
|0.0000000 mBTC
|Last Trade
|80 shares by a price of 1.0000000 NXT on 2015-06-22 00:47:47
|Issued shares
nXtGen Mining is offering mining shares valued at 1 KHS per share. nXtGen Mining will be partnering with Knights of the Satoshi Ltd. to facilatate hosting of the equipment at a very competitive rate. This will allow for a more profitable venture. We will merge mine Scrypt coins on a decentralized pool which will allow us to make a larger ROI. We will use the profits from mining to buy NXT and distrubute it through dividends to all shareholders. There will be a 3% fee to cover expenses such as electricity, hosting, etc. Dividends will be paid on a weekly basis. Further information will be found through the alias nXtGenMining or the website http://nxtmining.com
Last Price: 1.0000000 NXT
Profit / Loss 24h: 0.00 %
Volume 24h: 0.0000000 mBTC


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This would be a great gift for your little Disney Frozen fan! Get this Ultimate Disney Frozen Reusable Sticker Book for just $6.29 right now, which has over 60 fun stickers!
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Shipping is free if you spend $35 or more on qualifying purchases — or if you belong to Amazon Prime (even if you have a trial membership). Click HERE to learn more!
**Prices and availability subject to change. Make sure you confirm the price prior to purchase. If the price noted above differs from what you see on line, it simply means that this deal has expired since the time it was posted.


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Customer Coverage Management
Customer acquisition, loyalty and OPEX. Managing these factors is essential in today's competitive environment. Coverage is the most important factor for subscribers after price, yet Operators cause customer dissatisfaction and waste valuable resources by employing inefficient processes for managing customer enquiries and complaints relating to coverage.
Add to that the under exploitation of any competitive advantage of coverage for new services and the results include:
- Risk of poor take up of new services
- Unmet expectations for mobile broadband leading to high equipment return rate and complaints
- Unnecessary loading and delays at call centres
- Unnecessary processing of 'known' network faults
- Overly complex prioritisation and diagnostic processes in the NMC/Operations centre
All of these problems can be traced to poor availability of coverage information: both externally and internally. Many operator web sites have out of date information and different views for different services. Individual departments have disconnected systems and processes for handling enquiries or complaints.
Coverage Management
Customer Coverage Management (CCM) offers significant new OPEX reduction and loyalty building opportunities. An integrated approach with organisation-wide availability of up-to-date information is fundamental. Extending this to the subscriber base via the web means that the lowest cost channel can be used to interact directly with end-users - invaluable for promoting new services and gathering requirements.


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OSTEN & VICTOR Alberta Tennis Centre is a new $9.5 million dollar tennis centre, located just off MacLeod Trail (2 blocks east of the Carriage House Inn) in Calgary. The Centre opened in May 2016.
A not-for-profit organization, the Centre welcomes the local community with year-round access to eight indoor courts, five outdoor championship courts, state-of-the-art technology, a viewing area for each court, a fitness centre, hospitality services and onsite parking. The Centre has become the heart of Calgary's growing tennis community and has redefined the standard for major tennis facilities across Canada. The Centre, championed by local funders is supported by Tennis Canada in co-operation with Tennis Alberta.
OUR VISION: To be the best community-based Tennis Development Centre in Canada.
OUR MISSION: We will be a vibrant community hub inspiring players to enjoy tennis and develop at all levels as a healthy sport for life.
- Being welcoming & friendly to our customers;
- Hiring the best talent;
- Having the best adult & junior tennis programming in Canada;
- Hosting provincial, national and international world-class events; and,
- Being the most technologically advanced Tennis Centre in the world.
- Family-oriented
- Friendly
- Inclusive
- Ethical
- Progressive
- State-of-the-art
- Holistic
- Quality service
- Sportsmanship
- Teaching
- Pride
- Kids-focused
- Benevolent
The OSTEN & VICTOR Alberta Tennis Centre is a community-based state-of-the-art tennis facility located just off of MacLeod Trail. Our family-friendly tennis Centre is located in the heart of Acadia (Calgary SE) and covers 71,000 square feet over 3.19 acres.
- 13 plexipave cushion tennis courts
- Ball Machine
- Fitness facilities (850 square feet)
- Full-service locker rooms
- Premier seating & viewing area for each court
- Restaurant & Lounge
- Pro Shop products & services
- Administrative Offices for Tennis Alberta & Tennis Canada
- Tennis Canada National Junior Training Program - Alberta
Our 13 state-of-the-art tennis courts are the same surface played on at the Australian Open. Our Centre is pleased to provide a premier lighting system that meets international / professional standards for competition.
- 8 indoor permanent structure hard courts
- 5 outdoor hard courts (with future outdoor lighting capacity)
Our Fitness Centre has been designed specifically to meet the training needs of tennis players of all ages and abilities. For a great workout experience, visit our second-floor gym that overlooks the tennis courts.
Fully licensed bar also serving fresh food. More details to come.
Our Pro Shop will include racquets for rent, balls, grips and other soft goods. Additionally, stringing services will be provided.
Thank you to all Members & participants for this great innaugural year. Please download our first Annual Report.
Board Directory
Ron Ghitter, Q.C. was born in Calgary, Alberta and raised in Edmonton. He received his law degree at the University of Alberta and began practicing law in Calgary in 1960 where he became senior partner of the firm Ghitter & Company. Mr. Ghitter was elected to the Provincial Legislature in 1971 and sponsored the first Human Rights legislation in 1972. He became a candidate for the leadership of the Provincial Progressive Conservative Party in 1985 and was appointed to the Senate of Canada in March 1993 to 2000.
Mr. Ghitter is a frequent lecturer on Human Rights issues in Canada and a co-founder of the Dignity Foundation in Alberta, a non-profit organization established to encourage the support for human rights in Alberta. He was also a founding Director of the International Centre for Human Rights and Democratic Development.
Mr. Ghitter developed a passion for tennis as a junior, ranked as a Provincial Alberta Junior Tennis Champion for three years. As a university player, he was a playing Coach and Captain of the University of Alberta's Tennis Team for 5 years. Subsequent to his graduation, he became a Tennis Instructor in both Edmonton and Calgary.
As an adult, he has won a number of singles an doubles tennis championships in Alberta, and became ranked in Canada as a senior player. Over the past 6 years, Mr. Ghitter has been on Tennis Canada's Board, and has played an instrumental role in spearheading the process to develop the OSTEN & VICTOR Alberta Tennis Centre.
He is married to Myrna Ghitter and they have three children and two grandchildren.
Glen B. Scott, Q.C./ C.R. President of Real Estate for the Katz Group, one of Canada's largest private real estate development companies with over $4B of real estate under active development. In addition to his role as President, Mr. Scott serves as a member of the office of the Chairman for the Katz Group one of Canada's largest private sector employers. Prior to joining the Katz Group in 2013, Mr. Scott practiced law for 28 years and is the founder of Subway Developments of Singapore, Subway Developments of Johor and a board member of Spira Data Corp.
Mr. Scott has played an active role in the tennis community previously serving as a board member of Tennis Alberta from 2007 to 2012 and as President of Tennis Alberta from 2012 to 2015. Prior thereto, Mr Scott was a board member of the Calgary Tennis Club where he raised the funds to reconstruct 6 hard courts and 3 clay tech courts and to add lighting to all of the courts. His most recent efforts include working actively with Ron Ghitter QC in the raising of funds and obtaining of approvals for the development of the Acadia Tennis Centre. Mr. Scott has three children who played Division 1 Tennis at U.S. universities including one who is a two time Canadian National Champion currently attending the University of Texas.
Sheila is a third time Calgarian transferring with work in 2003 in her role as Vice President Prairies in the insurance and investment industry, where she spent most of her career. She has worked both in for-profit and not-for-profit environments and is currently the CEO of the Canadian Association of Petroleum Production Accounting (CAPPA). Her focus at CAPPA is industry and government advocacy in support of professional production accountants and the enhancement of current and future careers of members.
Sheila brings to Osten & Victor 'both sides of the fence' board experience, extensive committee work and volunteer engagement with a keen interest in strategic and organizational planning, vision advancement, value to all stakeholders and fun!
Sheila is recreational player enjoying both singles and doubles several times a week.
Al Fowler - Bio coming soon.
Steve, a married father of three children, works in the investment business where he is in his 19th year with BMO Nesbitt Burns. Prior to his current profession, Steven obtained his Chartered Accountant designation in 1991 with Deloitte and has experience with both public and private practice. He graduated from the University of Las Vegas with a B. Comm. while playing NCAA tennis on scholarship.
As a tennis player, Steve has played for Canada in the Men's over 35 world team competition. In 1982 he won the Alberta Open Men's Singles title. He has also taught tennis at various clubs in Calgary including: The Calgary Tennis Club, The Tennis Academy and the Glenmore Racquet Club.
Mike Smith has spent his career in the oil and gas investment business, focusing on sales adn research activiites. He holds a Bachelor of Commerce degree from University of Alberta (1980) and a Chartered Financial Analyst designation from the University of Virgina (1988).
He is currently a Director of the Calgary Golf and Country Club and has been a previous Board Member of Hospice Calgary and the Mount Royal Community Association.
His interests include tennis, golf, cycling and skiing. He also enjoys photography and travel and has been an avid tennis player and fan for over 40 years.
HATEM McDADI
Tennis Canada Representative
HATEM McDADI, Senior Vice-President Development, Tennis Canada
Hatem McDadi was has been senior vice-president, tennis development since 2012. He joined Tennis Canada as director of player development in 1999 and moved to become the vice-president, tennis development in 2004. McDadi came from the private sector where he was the co-founder of top Canadian Tennis Academy and director / part owner of Club Management Group (CMG) Tennis Inc., a tennis club management company based in Brampton, Ontario that ran two indoor clubs and a number of outdoor summer community clubs.
McDadi is responsible for all facets of sport development including high performance, coaching, community, facilities, wheelchair, officiating and competitive structure. A key liaison with the provincial tennis associations, McDadi has been part of a team that helped in the development of Tennis Canada's strategic plan that has seen historic growth in high performance results, community and club participation.
A certified Level IV coach, McDadi was a member of the Canadian coaching team at the 2000 Sydney Olympics when the team of Daniel Nestor and Sebastien Lareau captured the gold medal. He also served as Daniel Nestor's and Rene Simpson's personal coach over the years. McDadi was Canada's Fed Cup coach from 1992-98. He was awarded the Coaching Excellence Award by Tennis Canada in 1997.
On the court, McDadi reached a career high No. 226 on the ATP singles ranking and No. 188 in doubles. As a junior, McDadi captured the U18 Boys Outdoor National Singles Championship in 1982. He claimed the U18 Boys National Indoor Doubles Championship with Peter Straub in 1981 and again in 1982 with partner Chris Pridham. McDadi was ranked among the Top 10 players in Canada from 1983-88.
McDadi, and his wife, Jennifer, reside in Streetsville Ontario with their three children, India, Bodi and Kye.
Danny Da Costa
General Manager
Danny Da Costa joined the OSTEN&VICTOR Alberta Tennis Centre in September 2015 as General Manager. Danny brings a wealth of experience in tennis development, event & facility management and sport-executive leadership.
Danny Da Costa served as Squash Canada's Executive Director for a five-year period, where he led the largest growth period in the organization's 100-year history. His achievements include leading the bidding, planning and execution of the largest squash tournament ever held in Canada, $700,000 2014 SHOP.CA Women's World Team Squash Championship as Championship Director. He overhauled the high performance structure at Squash Canada, creating a National Centre of Excellence, hired international renowned coaches who improved national team performances. Danny also led the rebranding of Squash Canada, revolutionized the officiating structure and under his leadership, significantly improved Squash Canada's organizational financial performance. Danny was also a session member of the Canadian Olympic Committee.
Prior to his role with Squash Canada, Danny was a tennis professional for a 15-year period working in a variety of leadership roles across Canada. His experiences include: Tennis Director and Head of Junior Development at White Oaks Resort & Spa; Executive Director of Tennis Newfoundland & Labrador; Tennis Director & General Manager of Greenbelt Tennis Club as well as Technical Director of Tennis Saskatchewan. Danny has led 5 Tennis Canada National High Performance Tennis Development Centres in his career and served as a Team Ontario, Prairie & Atlantic Touring Coach for over a 10-year period. He has also coached in high profile events such as the Ontario Summer Games, 2003 Western Canada Games, Atlantic Tennis Championships, 2005 Canada Games and the 2002 U12 World Junior Tennis Championships where he led Canada to a 6th place finish. Danny also spent time working at an international tennis academy in Spain where he led the early development of Steven Diez #5 ranked player in Canada (career high #194 ATP in 2014).
Danny Da Costa can be reached at email@example.com or (587) 393 1604.
Micaela Widmer
Member Services Manager
Micaela Widmer joined the Alberta Tennis Centre in April 2016 after an 11-year athletic career in skeleton racing.
Having competed internationally at the World Cup level, Micaela knows what goes into producing elite athletes, and what kind of facilities are required to support these goals. She is passionate about active living and creating an environment that encourages movement of all kind, at all ages.
Micaela is currently finishing her Bachelor's Degree at the University of Calgary and is excited to learn more about the sport of tennis while ensuring that every guest of the Osten & Victor Alberta Tennis Centre has an enjoyable experience. Micaela is proud to be a Fast and Female Ambassador, as well as an ambassador for Kidsport Calgary.
Tennis Professionals
Charlie McLean
Tennis Director
Charlie has been a tennis professional for over 25 years experience. He moved from the UK to Canmore in 2005 where he worked in Tennis Development, ran a high performance club and was a coach course facilitator for the Lawn Tennis Association.
Since moving to Canada, charlie has been working mainly in high performance and coach education. He has worked for all western provincial associations in high performance, spent 7 years with Tennis Alberta and most recently with Tennis BC in player development. He has traveled the world for national and international events and coach to players who have won national titles, represented Canada, gold medals in Western and Canada Games, achieved ATP and WTA rankings and copious number of provincial titles.
In 2008, he joined Tennis Canada's coaching development team as head course facilitator for Alberta. Running Instructor and Club Pro 1 courses in province and course facilitator for the Coach 2 course in Toronto. He chaired the national high performance working group and is currently on the advisory committee for the Tennis Professional Association. For a combination of player results and coach education, Charlie was awarded Tennis Alberta's Coach of the Year in 2009.
Charlie holds both level 3 qualifications from the UK, one in high performance and the other in development, he is also a Tennis Canada Coach 3 certified coach.
Charlie McLean can be reached at email@example.com or (587) 393 1605.
Tom McLean
Performance Coach & Head of High Performance
Tom has been a Tennis Professional since he finished training at the IMG Bollettieri Tennis Academy in Florida in 2009. He trained full time for over two years along side current top ranked ATP/WTA players.
Over the past seven years Tom has developed and worked with numerous Provincial Champions, had players selected for Tennis Canada National Camps, represent Alberta in the Western and Canada Summer Games and go onto NCAA Division 1 and 2 Universities.
Tom has traveled throughout North America and Europe for Provincial, National and International events. He was also a Tennis Alberta Provincial Coach, a coach at the 2013 U12 National Camp in Toronto, one of the coaches for the 2011 Western Canada Summer Games and a graduated member of the Tennis Alberta mentoring program.
Tom is currently a Tennis Canada Coach 3 and has also completed the USPTR's Junior Development certification.
Adam Bond
Performance Coach & Head of Adult Programming
Adam has been a tennis professional for 19 years. As a junior player he trained at The South West Tennis Academy, Somerset where he competed both nationally and internationally. He then attended The University of Wales, Cardiff for his BSc (Hons) in Sports Science and also his post graduate in Coaching Science. During his studies there he focused primarily on sports psychology and its application to working with elite performers as well as performance analysis.
Prior to moving to Canada he worked for 10 years at The David Lloyd Club, Cardiff where he ran the High Performance program. Junior players from this program competed for Wales at the International level and also won several National singles and doubles titles.
Since moving to Canada he has produced and worked with several players who have won junior provincial titles, been ranked No 1 in the Tennis Alberta rankings and Top 10 in Canada, qualified for nationals. He has experience traveling with players for national and international tournaments in North America and Europe.
Adam holds his level 2 qualification in high performance from the UK, his USPTR Professional qualification and is also a Tennis Canada Coach 2 certified coach.
Diana Jacobs
Head of U10 Development
Diana began working in tennis 15 years ago when moving to a small town in Alberta from South Africa. She saw a need for organized tennis activities in her new town and country, and with her passion, dedication, and hard work she grew the club from only a handful of members to more than 180 adults and children actively playing tennis. She instructed all junior and adult programs and continued to promote the community's tennis participation through running tournaments, leagues and junior events. She grew interest in the sport and so expanded her sought after coaching into neighbouring towns.
In 2012, she joined the coaching staff at World Health Tennis Club in Calgary as Tennis Professional and Junior Progressive Tennis Coordinator, where she continued to grow her skills and experience in progressive tennis and U12 competitive tennis. She currently works with a team of coaches to lead and deliver a high quality successful progressive tennis program following LTAD Tennis Canada curriculum.
She currently leads the U10 Competitive tennis program, assists in U12 – U18 High Performance training groups, teaches private and semi-private lessons, and assists with the organization and running of provincial junior tournaments.
Diana has also travelled as Tennis Alberta provincial coach several times, leading provincial teams of U10 and U12 players to compete within the province as well as against BC.
She joins OSTEN & VICTOR Alberta Tennis Centre in May 2016 where she is excited to keep working in junior development, continue growing the game of tennis by helping recreational and competitive players move through the Progressive tennis pathway.
Diana currently holds a Tennis Canada Club Pro 1 certification.
Greig Ewing
Tennis Professional
Greig is a Level 2 Coach in the UK and has experience working with adults and junior tennis players ranging from beginners to high performance athletes. Greig competed nationally and internationally, and was a physical education teacher in Scotland. He taught at Cults Tennis Club and also worked for Tennis Scotland Northeast Scotland Regional High Performance Program. He graduated from the University of Edinburgh.
Greg can be reached at email@example.com
Suzana Cavalcante
Performance Coach
SUZANA SALES CAVALCANTE - (Performance Coach) – originally from Brazil, is an accomplished tennis player who holds 27 US collegiate records and was the most decorated female athlete in the U of West Florida's history, winning four All-American selections and being named the Gulf South Conference Player of the Decade for the 2000s. In 2016, she was inducted into the University of West Florida's Hall of Fame for numerous accomplishments, including being the finalist for NCAA Woman of the Year in 2009, winning of the Arthur Ashe Award, and leading her team to the NCAA Tournament finals all 4 years of her career, including a national runner-up finish in 2007.
Furthermore, during her collegiate career, Suzana was honoured with the GSG Commissioner's Trophy in 2008, which is the top individual honour in the conference, recognizing athletic, academic and extracurricular achievements. She was also awarded two of the most prestigious awards in NCAA tennis: the James O'Hara Sergeant Sportsmanship Award and the ITA/Arthur Ashe Leadership & Sportsmanship Award.
As a junior, Suzana was ranked among the Top 3 players in Brazil in every age category. She trained in Florida from the age of 12 with Patricio Apey (coach of Gabriela Sabatini) and represented Brazil internationally. Suzana competed in her first WTA event at age 13, receiving a wildcard into the Varig Classic. She later became a training partner of WTA Tour players Gabriela Sabatini, Mary Pierce, Mercedes Paz, Chandra Rubin and Samantha Smith. Suzana led the Brazilian team to victory over Argentina in the final of the South American Championships, defeating Paola Suarez (who reached a career-high in singles of #9 in the world in 2004 and #1 in world in doubles in 2002) in the final match.
Suzana is fluent in Portuguese, English & Spanish and holds a Masters Degree in Exercise Physiology and Athletic Training from the University of West Florida. She was the assistant coach at University of West Florida and also taught tennis in tennis clubs in Missouri, Massachusets, Chile and Brazil. Suzana's diverse skill set in international tennis coaching and traveling with young players, coupled with her strong high performance background, sports medicine rehabilitation, unique knowledge in the field of strength training is a unique combination of assets beneficial to junior development and high performance tennis players.
Suzana can be reached at: firstname.lastname@example.com or (587) 393-1600 ext. 1615.
Simon Lavery
Performance Coach
Simon has been a tennis professional for over 25 years. For the last 5 years he worked at a High Performance Tennis Academy in the United States. There he coached players from various levels including ATP ranked players and National and International ranked juniors. Simon also worked as a traveling coach to such tournaments as the Eddie Herr International Junior Championships, Orange Bowl International Tennis Championships and numerous ITFs.
Prior to moving to the USA Simon worked at the Granite Club in Toronto, Ontario. As well as working with the High Performance Juniors he also served as Tennis Director for all the club tournaments and ran adult clinics.
Simon holds his Tennis Canada - Coach 3 as well as Tennis Canada- Club Pro 2.
Simon was a top nationally ranked junior. He achieved a tennis scholarship to Mississippi State University. He played Pro Team Tennis in Germany for 3 years. He was also an ATP ranked doubles player.
Simon Lavery can be reached at email@example.com or (587)393-1600 x1618
Luis Orlando Reyes
Tennis Professional
Rosi Brzostowski
Tennis Professional
Rosi Brzostowski grew up as an avid hockey player in Armstrong, BC from the age of 4. She competed for many years playing on some of the top teams in BC. At the age of 14, she fell in love with tennis. So she hung up her skates and started competing in junior tennis throughout Canada and the US. After graduating, Rosi moved to Vancouver where she completed Tennis Canadas Instructor course and started her true passion as a coach. Rosi has been coaching professionally for over 10 years throughout BC and Alberta. In 2014 Rosi became Certified by the Professional Tennis Registry for junior development 10 and under and 11-17. Rosi is currently completing Tennis Canada's Club Pro 1 course. Bringing tennis to schools where children wouldn't have a chance to experience such a great sport has been one of Rosi's accomplishments and passions. Sport has always been a huge part in her life. Rosi's other big passions are music, animals and her family. Rosi is very excited to be part of the Osten Victor team.
Rosi can be reached at email@example.com.


text:
"What was shocking for us was the extent of the problem – we didn't expect that it would be so big," said Anja Kollmuss, an associate at SEI who led the study.
UN officials confirmed the findings by the institute that around 600 million tones were wrongly emitted as a result, under the UNFCCC's Joint Implementation Scheme. In 1997, countries signed a UN agreement called the Kyoto Protocol, committing developed nations to reduce their emissions. This included provisions for a new carbon market scheme which is known as 'Joint Implementation', under which countries are allowed to generate a carbon credit for every ton of additional greenhouse gas they remove from the atmosphere. Instead of counting these reductions towards their own target, a country can sell it to another industrialized nation. Developing countries do not have binding targets under the Kyoto Protocol, but are still committed under the treaty to reduce their emissions.
Under the scheme, Russia and Ukraine then were able to sell those credits from curbing coal waste fires or restricting gas emissions from petroleum production, to the European Union's carbon market. Companies bought the offsets rather than making their own more expensive, emission cuts. Russia and Ukraine were the two biggest beneficiaries of the JI scheme, which allowed them to trade emissions reductions units (ERUs) proving that carbon cuts had been made.
The idea was to prompt climate change mitigation by making it more cost-effective. But the study by SEI of 60 random projects found that 73 percent of the offsets generated didn't meet the key criteria of "additionality", which means that these projects would have gone ahead anyway without any carbon credit finance. It also found that almost 80 percent of the credits were issued to projects of questionable environmental integrity. As of March 2015, almost 872 million ERUs have been issued.
"Some early projects were of good quality, but in 2011-2012, numerous projects were registered in Ukraine and Russia which had started long before and were clearly not motivated by carbon credits," said Vladyslav Zhezherin, an independent consultant in Ukraine and co-author of the study. "This was like printing money."
According to the authors, these findings are bad news for the EU's climate targets and pose serious problems for the EU's emissions trading scheme, which has used more than 560 million of these credits to reduce emissions, may have undermined its target by 400 million tones of CO2, worth over $2bn at current market prices. That accounts for about a third of the EU's ETS reductions required from 2013 to 2020.
"This is a considerable amount," Kollmuss said, adding "If the EU was taking its climate targets seriously, then at least 400 million ETS certificates would have to be deleted to counter that."
The issue may well be discussed at the Paris global climate summit in December, where the EU is pushing for oversight of future market-based mechanisms to be taken out of the UNFCCC's hands. Although, this is not the first time carbon credit suppliers have been accused of manipulating the system. In any case, the major winners were Russian and Ukrainian companies, which issued 90 percent of the credits. However, the ones who are most affected from the carbon fraud, are investors who tried to follow the rules, to produce genuine carbon credits, and activists who naively expected the carbon market to deliver emission reductions.


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Did you miss this year's event? Catch up with a SOCIAL MEDIA RECAP or join our MAILING LIST to be among the first to find out details for next year's event.
How does God inspire innovation? Can we really make Nashville better? How do I bring innovation to my sphere of influence? Join us on January 12 for our forum, Redemption Through Innovation.
Missy Wallace will moderate a discussion with New City Commons Executive Director Greg Thompson, Davidson County Sheriff Daron Hall, Vanderbilt MD, Professor and Head of the NIH funded Precision Medicine initiative, Josh Denny, Aspire Health CEO Brad Smith, and Smart City Chair Fallon Wilson. We will investigate questions around creativity and innovation through the lens of the gospel to consider how our work can be utilized to help Nashville flourish.
NIFW will celebrate innovation by awarding a one-time $5,000 grant to an organization, group, or individual supporting and/or encouraging the innovation of others. Entrants will be required to fill out an application and submit a link to a two-minute video by January 4, 2017. Full rules, regulations, and deadlines for the contest can be found below.
After last year's sold-out event, interested attendees are encouraged to purchase their tickets soon as we anticipate the event will sell out quickly. We hope you will join us.
We believe innovation is important to the flourishing of Nashville. In order to encourage innovation, the Nashville Institute for Faith and Work will award $5,000 to an organization, group, or individual supporting and/or encouraging the innovation of others.
The Fine Print: We intend to award one innovation grant of $5,000 but reserve the right to break the amount into smaller grants based on the quantity and content of applications received. To apply for the grant, please complete the following application and submit a two- minute video as described below no later than January 4 at 11:59 p.m. A committee determined by the Nashville Institute for Faith and Work will judge the entries with criteria solely determined by the committee. Potential finalists may be further interviewed by the committee as needed and determined solely by the committee. Finalists will be alerted by January 9 and their videos will be shown at the Nashville Institute for Faith & Work's Winter forum, "Redemption through Innovation." The award will be given at the event.
The Innovation Grant ("Grant") is a promotion sponsored by the Nashville Institute for Faith and Work ("NIFW") and Christ Presbyterian Church ("CPC"). The Grant is not available to any NIFW or CPC staff member, any NIFW commission member or any official paid advisor in the last 12 months to NIFW or CPC. NIFW reserves the right, at its sole discretion, to award or not award the Grant to any applicant. The Grant recipient will be required to complete two reports documenting the usage of the money over the term of the Grant. Preference will be given to those doing the work in and for Nashville. The videos of Grant finalists will be shown at the NIFW Winter Forum, Redemption through Innovation, and may be used on the NIFW website.
Questions about the grant process can be directed to firstname.lastname@example.com.
Greg Thompson has worked for a number of years in both faith-based and community development organizations, most recently as the senior pastor of Trinity Presbyterian Church in Charlottesville, Virginia. He now serves as an Associate Fellow at the Institute for Advanced Studies in Culture at the University of Virginia, and as Executive Director of New City Commons, a research and consulting team that equips civic leaders for the work of nurturing thriving communities. To learn more, visit www.newcitycommons.com.
Dr. Joshua Denny is a Professor of Biomedical Informatics and Medicine, the Director of the Center for Precision Medicine, and Vice President of Personalized Medicine at Vanderbilt University Medical Center. His research uses large-scale electronic health record data and DNA to better understand diseases and how drugs work (and how to predict/avoid their side effects). His team has developed new methods to uncover the genetic basis of many diseases and drug responses. Some of these are now implemented in clinical care to make drugs work better. He is also leading Vanderbilt's effort in the national Precision Medicine Initiative launched by President Obama in 2015. Dr. Denny remains active in clinical care and in teaching medical students and trainees.
Daron Hall was sworn-in as the 61st sheriff of Davidson County September 2002 and elected to his fourth term in 2014.
Since Hall became sheriff, the Davidson County inmate population has decreased by 26 percent. Under his direction, programming, treatment, and community involvement has become a priority and has led to offenders becoming productive citizens; therefore, reducing over incarceration. Hall has always expressed the desire to celebrate the closing of a jail and, in 2011, he realized that goal and shut the doors of a 300-bed facility. For the first time in Nashville history, fewer jail beds are being built. As he continues this effort, he is also passionate about decriminalizing the mentally ill and currently working towards criminal justice improvements for this population.
During his 25-year criminal justice career, Hall has served Davidson County under three sheriffs. He is on the National Sheriffs' Association's Executive Board and Board of Directors; serving as that organization's Secretary and will become the first NSA president from the state of Tennessee. Additionally, he served as the 101st president of the American Correctional Association and was the first sheriff ever elected to this position in the organization's 141-year history. Seen as an expert in his field, Sheriff Hall has been interviewed by national and international media outlets including Fox News, the Wall Street Journal, the Canadian Broadcasting Corporation, NPR, the New York Times, CNN, and Fortune Magazine.
He is currently a board member of Franklin Road Academy. His affiliations with community organizations over the years include Nashville's Exchange Club Family Center, Vanderbilt Children's Hospital; Senior Citizens, Inc.; Boy Scouts Council of Middle Tennessee; the Rochelle Center; and the Alcohol & Drug Council of Middle Tennessee, Inc.
Brad Smith is the Co-founder and CEO of Aspire Health, the nation's largest provider of non-hospice, community-based palliative care. Aspire's teams of physicians, nurse practitioners, and social workers provide in-home care to patients facing a serious illness across 15 states.
Prior to Aspire, Brad served as chief-of-staff at the Tennessee Department of Economic and Community Development and as the founding executive director of the Tennessee State Collaborative on Reforming Education (SCORE), a statewide education initiative. Brad has also spent time working in the White House and at McKinsey & Company. Brad graduated summa cum laude from Harvard University and received an M.Phil from Oxford, where he was a Rhodes Scholar.
Dr. Fallon Wilson is the Assistant Vice President of Institutional Advancement as well as the Director of STEAMS (Science, Technology, Engineering, Arts, Mathematics, and Social Justice) at American Baptist College. As the Director of STEAMS, in April 2016, Dr. Wilson inaugurated Nashville first Senior Day where the Chief Education Officer of Google, Jaime Casap, spoke to 300 MNPS high school graduating seniors about social justice, technology, and solving world problems. In addition to her professional work, Dr. Wilson is a member of the Alignment Nashville's Learning Technology Team, Pencil Board Member, and member of the Nashville Chamber of Commerce Report Card Committee and Prosperity Leaders. Recently, Dr. Wilson has been named by the Tennessean and the Center for Nonprofit Management as one of the top nonprofit leaders in their 30s. Dr. Wilson also co-chairs with the Chief Information Officer of the City and the CEO of the Nashville Technology Council, Connected Nashville: A Vision for a Smarter City which is the City of Nashville's Smart City working group. Dr. Wilson has a BA from Spelman College and a MA and PhD from the University of Chicago. As a self-proclaimed public interest technologist, she spends her time discussing issues of race, gender, faith, and digital equity. She's on twitter at @SistahWilson.
Missy Wallace became inspired to study faith and work in 2013 after working in the nonprofit sector and corporate America for over 10 years each and realizing that work can be a part of God's unfolding story if we allow him to guide it rather than our false idols. During academic divinity study, she wrote a proposal for the Nashville Institute for Faith and work and then had the opportunity to study in an intensive with Katherine Alsdorf, David Kim, and their team at The Center for Faith and Work at New York's Redeemer Presbyterian Church. Prior to launching NIFW, Missy worked at Ensworth School from 2003-2015 in various roles in marketing, admissions, and college counseling through the launch and maturation of Ensworth's high school campus. Missy joined the nonprofit sector after spending the first half of her career in the corporate world, including several years in consulting at the Boston Consulting Group in SE Asia, NYC, and Chicago; in Corporate Strategy at Time Warner in NYC, and in banking in Charlotte, NC.
Missy received an MBA at The JL Kellogg Graduate School of Business at Northwestern and a BA in Economics from Vanderbilt. She has taken classes towards a Masters in Christian Practice at Lipscomb University, where she wrote a proposal for The Nashville Institute for Faith and Work. She is married to Paul Wallace, who works in the healthcare venture capital industry and has three teenage children. When she is not working, you can often find her at her favorite place in Nashville, the "red trail" of Percy Warner Park.


text:
Artichoke Heart Fritters
Be the first to review
READY IN: 28mins
Recipe by Polly W
I LOVE artichokes and this is a great party recipe !!! With the Holidays upon us, this would be a wonderful treat .Serve with garlic butter and yum. These are great served in a chafing dish
See Discussion:
Ingredients Nutrition
- 3 (14 ounce) cans artichoke hearts
- 1 cup Italian seasoned breadcrumbs
- 1⁄2 cup freshly grated parmesan cheese
- 1 teaspoon salt
- 1 1⁄4 teaspoons pepper
- 3 large eggs
- oil (for frying)
garlic butter
- 1 garlic clove, minced
- 1⁄2 cup butter, melted
- 1⁄2 teaspoon garlic salt
Directions See How It's Made
- In shallow bowl combine bread crumbs,cheese, salt and pepper.
- In another shallow bowl beat the eggs.
- Heat enough oil in a skillet to reach a depth of 2 inches.
- Dip each artichoke heart in the beaten eggs and then dredge in bread crumb mixture.
- Fry in hot oil until they are golden brown in small batches, approximately 6-8 minutes.
- Drain on paper towels and place in chafing dish.
- Serve hot with garlic butter.
- Garlic butter:.
- mix minced garlic and garlic salt in melted butter and place in bowl next to chafing dish.


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UN expert Bohoslavsky warns Greek deal may lead to hardship
Posted in: Economy, Europe, Human Rights, Latest Updates, Slider News
July 15, London: Independent United Nations expert on foreign debt Juan Pablo Bohoslavsky said that Greece's creditors may break international law if the austerity measures they demand lead to undue hardship.
Bohoslavsky in a statement said that he is concerned about reported shortages of medicines and food caused partly by restrictions on money transfers.
European institutions, the International Monetary Fund and the Greek government must ensure that any bailout deal safeguards the right to health care, food and social security, he said.
There is real legal risk that some of the harsh austerity measures could be incompatible with European and international human rights law, Bohoslavsky added in the statement.
The Oslo Times
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Go Fly a KITE - Assertiveness Training
Go Fly a KITE - Assertiveness Training for Children
by Ron Huxley
is a learned skill. Parents can teach their children
how to be more assertive
by telling them to "
Go Fly a KITE
." No, this isn't being rude. It is being assertive! Each letter of the acronym K.I.T.E. explains a different skill to teach children how to be more assertive.
K = Know what you want.
Before you can be assertive, you have to be clear on what you want to gain. Help your child state specifically what he or she wants from another person or situation. Does he want a bully to treat him respectfully? Does she want to make friends more easily? This can be the most difficult and important step toward being assertive. Make this statement concrete and positive. Don't state: "I don't want you to pick on me anymore." Phrase it positively: "I would like you to play nice with me when we are together." You can even go so far as to state how you want another child to "play nice." The more specific, concrete, and positive, the better your child's chances of getting what he or she wants.
I = Use
I messages
Vs. You messages
"I" messages start with the word "I." "You" messages start with the word "You." Sounds simple, right? Wrong. In practice, this can be a very difficult way to communicate. That is because children naturally blame others for their thoughts and feelings. They must be taught that they own them and they are in control of them. "I" messages are less blaming than "You" messages. After you know what you want, you have to ask for what you want. "I" message will increase the chances of getting what you want.
T = Tell others what you want firmly and repeatedly.
assume that being assertive guarantees that they will get what they want. This simply isn't true. You have no control over what others do or say. Using these steps will increase your chances, and usually have good results, but never guarantee you will get what you want. Therefore, you may have to be very firm and repeatedly express your wants and needs. Most bullies continue to be bullies because they know your child will back down. If they are firm and repeat their wants and needs, they increase their chances even more.
E = Expect change/Evaluate effectiveness.
Most efforts at being
fail because we don't really believe they will work in the first place.
is a powerful force in human relationships, either at home or on the playground. Additionally, assertiveness should be considered an "experiment" in getting what you want. If one approach doesn't work, try another. Evaluate how effective your child's assertive behaviors are with others. Talk with him or her about what could be done differently and try that next time. This teaches problem-solving skills, which are an important element in social skill development. So, the next time your child comes to you with a problem with a friend or bully, tell him to "go fly a K.I.T.E."
Additional Articles
Anger Management Using the Compliment Sandwich
Assertive Communication
"Eliminating YOU Messages"
Helping Children VIEW Their Anger
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