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What documents are needed for a mortgage ?
you decide to improve their living conditions or to buy an apartment on credit.What you need to know to arrange a mortgage?First of all you must understand that the apartment, taken by you on the mortgage will be completely your only after full repayment of the loan.Until then, it usually is a guarantee for the lender.Therefore, it is necessary to apply in a certified bank for a long time working in this direction.
You can apply for a loan to Sberbank.Mortgage, what documents are needed to obtain it, and in what form, we will look at in this article.
positive decision of the bank depends primarily on two key points:
- from your credit, not only for the moment.You must prove that you have in the future will not have problems with the payment of the mortgage.
- lays accommodation shall meet all requirements of the bank.
What documents are needed for a mortgage
- The most important among the documents required is a passport.The bank must be sure of its validity.But since all the documentation in the banks carried out in electronic form, "live" your passport no one sees but a loan officer.The decision also takes not.Therefore, this document will need to be photocopied (all pages).
- labor book copy.Kserokopiruem all turns, each page must be certified by the employer: the bottom shall be specified position, signature, the person who made the recording name.All this is necessarily certified with the seal of firm or organization in which you work.Below is the last record of the recruitment field to be filled: the record number, the date and at what positions work at the moment.Mandatory position of the person who made the recording of his signature and full name.All fields are filled with blue ink.Thus, below the last entry must be certified by the signature two.
- The bank will require a mandatory reference 2-PIT employment.It should prove your creditworthiness.This document must be completed and signed by the printer exclusively accountant.It is very important.If we neglect the correct reference filling, you may decline in mortgage lending.
- will need a certificate from the place of work "in the form of the bank" (if you have income not confirmed by reference 2-PIT).If you are a man up to 27 years, it must show military ID or other documents that explain on what basis you are given the postponement from military service.
- For unmarried necessary certificate of registration of marriage.For those who are divorced - divorce certificate.If you borrowed, you may need the help of the creditor banks, confirming your positive credit history.
- If you have minor children under 18 years of age, must present a birth certificate for each.
- Driver's license or a certificate from the psycho-neurological and narcological dispensaries.These documents indicate that you are not registered and were not on treatment.Moreover, these references are available in the original.And as the most likely, these organizations do not issue such documents for submission to the bank, indicate that they are necessary for you to obtain a driver's license.What is important is the fact the client's sanity, not the purpose for which certificates are issued.
At its discretion, the bank may ask for other documents such as a certificate of registration of the property on other real estate.This will confirm your ability to pay, thus increasing your chances of success.
final step: fill out an application form for a mortgage loan and filed with the whole package of documents to the loan officer.
question may arise as to which documents are needed for a mortgage if several co-borrowers.That is, you decide to take out a mortgage, for example, in the company of relatives.In this case, you collect exactly the same documents, but for each of the borrowers.
Now you know what documents are needed for a mortgage and how to execute them.If you follow the instructions, then you will not have problems with obtaining the loan.


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Towards Eternity by FallmusicWatch
©2012-2017 Fallmusic
i love the red
amazing song and drawing
Wow that's so.... The colors are amazing!
Wow this looks freaking awesome!!!
love the style and the colors, red and black are my favorite ones, i can never decide between the two
Very cool, your art is very unique! Also it's amazing that each of your works is accompanied by its own musical piece...I love it!
Totaal klasse. Samen met de muziek uniek!
I red just poops off of these pictures! It makes it that much more dramatic. I love it!
Your artwork is very powerful and expressive! I love this!
luv this! nice work
OMG! This is GORGEOUS!!!!! Both the art and the song! very very creative! Thanks for the watch btw!
I like the texture very much and the free style
What a fun piece. I love the texture and colour here.
I would like to have sth like that on my wall
This is a fantastic painting! I love your use of the colors!
That looks beyond amazing!!! it looks so simple, but captivating at the same time!!! Amazing work, I really love this piece

subset: commoncrawl


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text: Ok, so I was walking down my condo's hallway and saw something..scuttle.. Mind you, I live on the 50th floor of a very clean building so it was a total odd moment I turned the corner next to the elevator and saw this RAT!! My first instinct was of course to scream but I noticed that 1. It didn't run away or seem scared of me 2.It was white and brown 3. It was standing on it's hind legs looking at me and waving it's arms, like..begging..like a dog. It looks exactly like this Ok so I went into my apartment and got a cardboard box and put some carrots in it and called it over and it ran inside the box. Which ALREADY IS FREAKING WEIRD FOR A NORMAL RAT TO DO. My parents think it's just a pest rat but what kind of rat COMES WHEN CALLED?! Problem? I now have a trapped rat in a box and I have no idea what to do. I called the front desk and they said nobody has called about any lost pets and that they could send a maintenance guy to come get it but that that would involve killing the rat. and I really don't think it's just a regular rat.. it doesn't seem to be trying to escape or eat out of the box or anything..and when I lift the top of the box it just looks at me..like kind of.. oh god I sound like a crazy person.. but like a friendly kind of look lol ..oh and I don't think it likes carrots.. I gave it a few doritos and it seems to like those. but any idea how to go about finding a rat owner?? I've got 24 hours before my mom has a nervous breakdown. I can't make TOO MUCH NOISE about it as far as my condo building goes because rats are CERTAINLY not allowed. I've already been sitting in the hallway waiting for someone to come looking but nothing so far. I also have no idea how to give it water. Preferably in a way that does not involve me touching it lol will a small bowl work?? I'm also kind of scared that this is just a friendly..diseased totally normal rat. but even my mom agrees that it's too nice of a color to just be a rat rat.


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Florida's Funniest Female 2017 with Dana Eagle
Showcasing Florida's funniest women with Headliner Dana Eagle from Last Comic Standing and Comedy Central
Date: Saturday, April 22, 2017
Show Times: 7:00 (Semi-Finals) & 9:30 PM (Finals)
Location: St. Stephen's Episcopal Church – 2750 McFarlane Road, Coconut Grove, FL 33133
Parking: Nearby street, lot, and garage parking is available. Displayed rates apply.
Ages: 18+
Advance Tickets: $18-150
Tickets at the Door: $35-$200
Additional: First come first serve seating. 2 item minimum purchase at the door with general admisison ticket. Event benefits local charity. Event is subject to change and cancellation. Refunds will not be issued unless show is cancelled by venue or producer.
7:00 PM Semi-Finals
Host – Mary Smith – South Miami, FL
Angela Nacca – West Palm Beach, FL
Annette Gallagher – Pembroke Pines, FL
CinCin Boisson – Tamarac, FL
Debbie Anne – Jupiter, FL
Elise Golgowski – Los Angeles, CA
Ellen Wesley – Chicago, IL
Gina G – Orlando, FL
Jen Hellman – North Palm Beach, FL
Jillian Chiappone – West Palm Beach, FL
Jpaw – Jacksonville, FL
Kim Huapaya – Lake Worth, FL
Lauren Dufault – Bonita Springs, FL
Lin Hardick – Sarasota, FL
Mariannette – Fort Myers, FL
Minda – Delray Beach, FL
Nancy Camm – Coral Springs, FL
Quills Rodriguez – Miami, FL
Regina Castaneda – Miami Beach, FL
Shana Manuel – Boynton Beach, FL
Sheena Reagan – Cape Coral, FL
Sherrani Glass – Miami, FL
9:30 PM Finals
Host – Julie Baez – Miami, FL
Top Vote Getters from the Semi-Finals
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An early collection of Kahlil Gibran's writings showcases the many styles of this prolific thinker, all profoundly beautiful.
Kahlil Gibran reveals his vision of the soul and understanding of the world - past, present, and future - in this rich sampling of more than 20 works. Prose tales, fables, and poems evoke the mystic East and form a world at once powerful, tender, joyous, and melancholy. This collection, penned when Gibran was still a young writer, reveals many of the themes and styles plumbed throughout his life, including his lifelong struggle against injustice in "The Crucified", his heart-wrenching lament for a Lebanon shackled by tradition and politics in "My Countrymen", and his masterful use of symbolism and simile in "The Secrets of the Heart". A writer with infinite abilities and an eye to the immortal, Gibran continually seeks true beauty no matter the form.
©1947 Philosophical Library (P)2013 Audible, Inc.
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Board meetings are held on the 3rd Thursday of each month at 3:00 pm in the Chamber office. To be heard by the board at our monthly meetings, please contact the Executive Director.
Beth Libbey – President
Beth Libbey Financial Services
I moved to Alaska in 2001 and have been with COUNTRY for 20 years. As a Financial representative, helping people has always been my primary focus. I believe our local Chamber has the power to represent the needs of our business community and look forward to having the opportunity to assist in our voice being heard as Wasilla continues to grow into an ever more important part of the Great State of Alaska.
Julie Estey – Vice President
Matanuska Electric Association
Julie Estey is the Director of Public Relations at Matanuska Electric Association. Before joining MEA, Ms Estey was the business director for the Alaska Center for Energy and Power, an energy research group at the University of Alaska Fairbanks focused on improving how Alaskans generate and distribute power. Julie has also worked as the Executive Director for the Yukon Quest in Fairbanks as well as a management consultant for Anderson Consulting in Dallas and Chicago. She moved to Palmer in 2010 where she lives with her husband, two crazy boys under 5, 12 sled dogs, and one very patient cat.
Stephanie Berta- Secretary
Wells Fargo
Stephanie Berta has been a Wasilla resident for thirteen years and is a Business Banking Relationship Manager and Commercial Lender at the local Wells Fargo Bank. She's been with the bank for nineteen years, with thirteen of those years right here in Wasilla. She works daily with businesses, and their owners and/or boards of directors, to help them succeed in meeting their financial goals. Stephanie is currently on the board development committee at Valley Performing Arts and the board advisory committee for MY House, the homeless shelter for young adults in Wasilla. In addition, she enjoys volunteering in various capacities at her church and is part of mentoring program at Burchell High School. Stephanie is married to Brandon Berta and they have two children, a daughter, age 12, and a son, age 8.
Court Griffin – Treasurer
Count On LLC–Accounting Business Consulting and Tax
My family and I have chosen to live here in the Valley because we value our great state and especially the individuals here in our community. With Count On, for the past seven years, I have supported countless businesses with accounting, business consulting, and taxes. Personally I have started and run several companies that employ and bring money into the state. My goal is to help those around me become better at whatever they do. By serving in community we can work together to bring success home.
Erika Bills – Director at Large
Northrim Bank
Erika Bills is the Business Development Officer at Northrim Bank, as well a being the wife of a 22-year retired veteran of the U.S. Air Force, the mother of an extremely active young lady named McKenna, and a member of the famous Denali Destroyer Dolls, the original flat-track roller derby team that started got its' start here in Wasilla. Erika has worked for Northrim Bank for over 16 years, and considers herself very fortunate to work for a company that values their employees so highly.
Stu Graham – Director at Large
Matanuska Telephone Assoc.
I have served on many boards of directors throughout my many years as a Mat-Su Valley resident. I believe the Chamber provides invaluable fiber in the economic fabric of Wasilla and plays an indispensable part in having the business community and the city government work together as a team to strengthen our region.
Tammy Lincoln – Director at Large
Mat-Su Title Agency, LLC
Tammy Lincoln moved to Alaska in 1986 and works in the Mat-Su Valley as the Marketing Manager for Mat-Su Title Agency LLC. Currently a Secretary for Rotary Wasilla Noon Club, Board of Sustainability for Alaska Family Services and on the Events Committee for the Valley Board of Realtors. I love being active in the community and serve where I am best needed. I have three grown children, who I raised in the valley. My hobbies include archery, hunting, fishing, traveling and photography.


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What are NFC Tags?
So what are NFC tags?
NFC tags are awesome. Without getting too geeky, NFC tags basically interact with your NFC-enabled smartphone and tell it to do things. All you need to do is tap your device against the NFC tag and voila!
For example, you might keep an NFC tag in your car. By tapping your NFC-enabled smartphone against it, the NFC tag might automatically open Google maps and turn up the screen brightness and volume on your phone. Or if you're a business, you might allow employees to tap an NFC tag to check into work, as opposed to a clunky timesheet system.
Most NFC tags (including WhizTags) can be told what to do by any NFC-enabled smartphone. All you need to do is download an NFC writing app, place your phone on top of the tag and choose what functions you'd like activated. Once set, the NFC tag will remember these instructions for next time. It's really that simple!
So what can I do with NFC tags?
Because you're able to program your own NFC tags with a free downloaded app, the possibilities are endless. There are hundreds of possible command combinations and this is just the tip of the iceberg. We've put together a quick list of our favourite uses here.
Why not stick to QR codes?
QR codes require you to open an app on your phone, point the camera at the QR code and scan the QR code. You then need to wait for the app to perform the programmed function. NFC tags simplify this process by allowing you to activate the command that's been programmed into the NFC tag by simply tapping your NFC-enabled smartphone against it. Just make sure that the screen on your phone is unlocked and you're good to go. No need to open an application and no need to worry about lining up the camera with any sort of code!


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Font >> Display - Hand Grunge Outline 106646 by Unicorg @ CreativeMarket
File Size: 80.25 KB; Vector: Yes.
The font family is most suitable for headlines of all sizes. Hand Grunge Outline font is applicable for any type of graphic design in print graphics and perfect for logos, badges, t-shirts and other items like posters.
This is part of a 3-in-1 bigger font family (coming soon) including
Separate Font Products
Hand Grunge Regular (coming soon)
Hand Grunge Outline
Hand Grunge Black (coming soon)
Keywords: handsketched font, font, fonts, handmade font, handdrawn font, cool font, farm font, soft font, thin font, lettering, hand drawn, decorative, handpainted, ink, retro, vintage, hipster, grunge, bold, redneck.


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Teen Trips
Private Groups
Chobe National Park
The Okavango Delta
Moremi Game Reserve
The ultimate in African Safaris
No Africa trip would be complete without an adventure tour in search of big game and there are few places better for this than wilderness of a Botswana safari. On our Botswana holidays you will be able to search for white rhino, zebra and wildebeest in Khama. Visit Chobe, home to the largest population of wild elephant in the world and take game drives in Moremi and Savuti Reserves for giraffe, hyena, hippo, buffalo, lion and leopard. Explore the natural freshwater haven of the Okavango Delta, a highlight for many travellers going on our Botswana safari holidays. Skim silently through the creeks and narrow channels of this natural world wonder in a traditional two person mokoro (dug out canoe), poled by a skilled Tswana guide watching the wildlife on the banks as you glide by. Are there any better safari holidays?
Even by night the Botswana safari holiday experience doesn't stop. Opt for a trip that involves 'wild camping' means that you'll be staying with basic facilities and getting a true wilderness experience. Civilisation seems another world away and you'll have the best view in the world on the doorstep - a true 'getting away from it all' safari adventure! Alternatively travel on an accommodated holiday, staying in lodges and chalets reflective of the local area, the perfect choice for those that wish to safari with their creature comforts, where they are travelling alone, with friends or companions or on family adventure holidays.
Family Holidays in Botswana
With a minimum age of just 8 years old, family safari holidays to Botswana are a fantastic option tor those looking to take their children on a really special adventure. Itineraries are tailored to engage the entire group – whatever their age, and the look on your child's face when they come face to face with animals in the wild is guaranteed never to be forgotten. There are some long driving days necessary to fully appreciate Botswana, but the beauty of an organised Botswanan tour will always be with other families with children travelling with you – helping keep each other entertained!


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Thursday, August 27, 2009
BLOG PREMIERE: Travis Porter - "Kill the Mailman"
An EXCLUSIVE courtesy of CEO Charlie from the Travis Porter camp. This is not even on their new I'm A Differenter 2 mixtape that dropped 3 weeks ago. Cop it here:
Travis Porter - "Kill the Mailman" [yousendit mp3 download link]
Download the I'm A Differenter 2 mixtape here: mediafire.
The Kitchen on Travis Porter previously: Who is Travis Porter? mixtape | iM a DifFerEntER CD/DVD mixtape
These kids and Rich Kid$ are the future of hip hop in the A!
Travis Porter - MySpace | Website
Labels: Travis Porter, YBI


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AUTHENTIC WIDOW'S MITE IN FANCY HOLDER c.50ad
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AUTHENTIC WIDOW'S MITE IN FANCY HOLDER c.50ad
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Pradeep Net Services provides a common uses of graphic design include identity (logos and branding), publications (magazines, newspapers and books), advertisements and product packaging. For example, a product package might include a logo or other artwork, organized text and pure design elements such as shapes and color which unify the piece. Composition is one of the most important features of graphic design, especi
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Brabantia Ironing Table Dunes 124cm x 38cmCode: 062816
- Ironing board comes with a solid rest to suit all popular steam irons
- Suitable for left and right handed use and includes safety rim
- Non-skid strips of heat resistant silicone provide extra safety and avoids damage to iron
- Large ironing surface ideal for faster ironing
- Includes adjustable height, child safety lock and transport lock
- Dimensions:
- D48cm x W153cm x H96cm
- Weight:
- 7kg
- Delivery Information
- €4.99 standard delivery, up to 3 working days.
- Full delivery terms
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- Your purchase is covered by our 14-day money-back guarantee.
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Home > Hedge Funds > BP Capital > News, Interviews, and Investor Letters
Hedge Fund - BP Capital
- Profile
- 13F Holdings
- Latest 13D & 13G Filings
- News, Interviews, and Investor Letters
News, Interviews, and Investor Letters
Although Pickens sold out of his oil positions near the price bottom in February (saying at the time that he was waiting for the most opportune moment to get back in), Pickens has since re-upped his...... (read more)
Sterling Q2 Returns for BP Capital's Top Stocks
The turnaround in oil prices this year has helped several hedge funds generate strong returns so far in 2016. One of the major beneficiaries of this rally has been BP Capital Management, the hedge fund...... (read more)
July 24th, 2016 - Hedge Fund Analysis Hedge Funds News - Comments
Billionaire T. Boone Pickens' New Energy Stock Picks
Oil tycoon T. Boone Pickens said on CNBC's "Squawk Box" on February 1 that oil prices will advance to at least $52 per barrel by the end of 2016, saying that U.S crude oil touched the bottom at $...... (read more)
February 18th, 2016 - Commodities Hedge Fund Analysis Hedge Funds News - Comments
Are These 3 Billionaires Right About Phillips 66 (PSX)?
The Refining segment owns or has a stake in 15 refineries. These 15 refineries have a net crude oil capacity of 2.2 million barrels per day. The image below shows the geographical breakdown of the segment...... (read more)
August 14th, 2015 - Dividend Stocks Hedge Funds News Stock Analysis - Comments
Hedge Fund News: Alan Howard, Boaz Weinstein, David E. Shaw
Things are changing atop the ranks of the richest hedge fund mangers. Alan Howard, the founder of Brevan Howard Asset Management LLP, now has to share his crown at the top of the rankings of hedge fund...... (read more)
April 24th, 2015 - Hedge Funds - Comments
Hedge Fund News: Crispin Odey, Louis Bacon, T. Boone Pickens
Renowned U.K. hedge fund manager Crispin Odey has warned of an impending global economic slowdown that will be remembered for a century, saying equity markets will be "devastated" despite central...... (read more)
January 23rd, 2015 - Hedge Funds - Comments
Hedge Fund News: T Boone Pickens, Chris Hohn & Richard Mcguire
Crude oil prices are plunging, but T. Boone Pickens isn't surprised. The billionaire oilman has seen plenty of spikes and dips during more than 60 years in the industry, including some he predicted....... (read more)
November 10th, 2014 - Hedge Funds - Comments
Hedge Fund News: T Boone Pickens, Edward Lampert & BlueCrest Capital Management
Last Friday morning, billionaire energy tycoon T. Boone Pickens was in a meeting with another politically active hedge fund manager in New York City. The meeting between the two included a broad discussion...... (read more)
October 14th, 2014 - Hedge Funds - Comments
Hedge Fund News: Warren Buffett, T Boone Pickens & George Soros
Warren Buffett built a fortune of nearly $60 billion from astute stock picking, but when the 83-year-old dies, the vast majority of the money he leaves his wife will be parked in a fund that simply moves...... (read more)
September 1st, 2014 - Hedge Funds - Comments
Hedge Fund News: Crispin Odey, Peter Kolchinsky & T Boone Pickens
Some of Europe's most powerful hedge fund managers are sharply divided on the outlook for English soccer club Manchester United PLC (NYSE:MANU) -0.17%, whose share price has declined recently along with...... (read more)
August 28th, 2014 - Hedge Funds - Comments


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THE best.
Do you like cookies?
Is that even a question?
These cookies have been inspired by Girl Scout Samoa Cookies and Fudge Stripes Shortbread cookies. It's like the two had a baby cookie 😀
My cookies have oat flour, almond flour, coconut oil, coconut, vegan butter and maple syrup as main ingredients. They are crumbly and soft on the inside and crunchy on the outside. And because they're made with healthy ingredients don't feel bad to have them for snack. In fact, I highly recommend it.
Oh, and the chocolate drizzle? A must! All homemade, so no worries.
I kept mine in the fridge because I wanted to make sure the chocolate stays solid and because I like it to be cold. They got a bit chewier, but not too much.
Enjoy and let me know if you make them!
- 2 cups of oats, blended into flour
- 2 cups of almond meal (I used dry almond pulp I had left over from making almond milk)
- 1.5 cup shredded coconut
- 10 tbsp ice cold water
- 1/4 cup COLD coconut oil
- 1/4 cup COLD vegan butter
- 1/4 cup COLD maple syrup
- 1/2 cup coconut oil
- 1/2 cup cocoa butter
- about 1/2 cup cacao powder
- 1/4 cup maple syrup – more or less based on preference
- Preheat oven to 350F.
- Combine oats, coconut and almond meal in a bowl and add cold coconut oil and vegan butter.
- Mix with hands fast because you don't want the butter and oil to melt. This will form a crumbly dough.
- Add ice cold water and mix into a dough.
- Then add maple syrup and mix again. The dough will become pretty wet, but that's ok.
- Cut off about a quarter of third of the dough and roll with a rolling pin or pastry roll into a thin, cookie-like thickness. If the dough is sticking to the roll too much, press into cutting board with hands.
- Keep in mind that the dough will not rise so roll/cut into the exact desired size.
- Use a flower shaped cut out to make cookies, baking 12 cookies per sheet. I yielded 22 cookies but you may end up with more or less based on the thickness of the dough.
- Bake for 15 minutes until golden brown. If you'd like more crunch bake in 5 minute increments until they get as crispy as you like.
- Let cool on cookie rack.
- While the cookies are cooling make chocolate by melting the oil, butter and melting syrup and adding cacao powder, while mixing, until nice and thick. See notes.
- Enjoy with loved ones!
- Keeping the oil, butter and syrup cold will help with the dough sticking together. Once you have a dough formed with all ingredients you don't have to worry about it falling apart because the oats will absorb water and therefore keep everything intact.
- I drizzled the top first, let cool off in the freezer and then I dipped the bottoms, flipped them upside down and put in the freezer again. Once solid I stored them in a sealed container in the fridge.


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|Home | About | Journals | Submit | Contact Us | Français
At Jon Stewart's rally to restore sanity, held in Washington, DC in October 2010, this sign was prominently displayed (Fig. 1). While we do not recognize the holder of the sign, we would not be surprised if he turned out to be a journal editor. Journal editors disagree on practically every topic imaginable; peer review is the rare exception. To editors, careful prepublication scrutiny of findings by informed peers is an article of faith and a bedrock of scientific progress.
To what degree is faith in peer review warranted? Perhaps not so much as medical journal editors would like. For one thing, peer review rarely intercepts outright fraud. As former New England Journal editor Arnold Relman put it, "Science is at once the most skeptical of activities and also the most trusting…. It is intensely skeptical about the possibility of error, but totally trusting about the possibility of fraud." For another, peer reviewers agree with each other much less than one would hope. An analysis of 5881 reviews of 2664 manuscripts submitted to JGIM (Kravitz et al. PLoS One 2010) suggested that achieving adequate levels of inter-reviewer reliability (>0.8) would require 20 independent reviews, not the 2–3 that most journals typically solicit.
On the other hand, a 2007 Cochrane Review concluded that editorial peer review appears to make papers more readable and improves the general quality of reporting. And in an analysis of 507 original research articles submitted to JGIM, articles accepted after peer review garnered substantially more citations than articles rejected and subsequently published elsewhere (Jackson et al., PLoS One 2011). Apparently, even when they disagree, JGIM's peer reviewers contribute measurably to improved editorial decision making by our editorial team (as judged by the admittedly narrow—and potentially biased—metric of subsequent citation rates).
Despite its shortcomings, editorial peer review is here to stay. Our faith in the process depends on the support of an outstanding group of reviewers. In 2010–11, JGIM reviewers volunteered their time and expertise to review about half of the more than 1,000 manuscripts that JGIM receives each year. During this period, 905 reviewers provided a total of 1,143 reviews with a mean quality score of 4.2 on a scale of 1–6 (as judged by JGIM deputy editors). Of these, 213 provided at least two reviews and 23 provided three or more. We are indebted to them for their service.
Among this group of dedicated peer reviewers, there is a cohort that stands out. Reviewers included in this prestigious group performed at least two reviews between July 2010 and June 2011, returned all reviews within 30 days, and received a quality score of four or greater on all reviews. An asterisk identifies the 100 reviewers meeting these criteria. We thank them for their efforts on behalf of the journal.
What about the future of peer review? While pre-publication peer review will remain important, post-publication peer review will gain much more emphasis. As argued by Schriger and Altman (BMJ 2010), "Post-publication critique, as the final arbiter of the meaning of each new communication, is no less important than the earlier phases and is a sign of a healthy scientific community…." At JGIM over the coming months, we hope to advance post-publication peer review in two ways. First, beginning in late 2012, we will begin publishing "mini editorials" alongside selected JGIM articles. These "Capsule Commentaries" will highlight methodological or content issues deserving additional attention, discussion, or debate. Second, we will take advantage of exciting changes in SGIM's web presence to encourage much more interaction among authors and readers. The Society is planning a major web upgrade in Spring 2012. JGIM will have its own virtual space within the SGIM site, offering many opportunities for enhanced interactivity among JGIM's social network. As these changes unfold, we look forward, as always, to your suggestions and feedback.
JGIM Reviewers, 2010–11
Abbo, Elmer
Abou-Raya, Anna
Acheson, Louise
Adegbembo, Albert
Adler-Milstein, Julia
Afable-Munsuz, Aimee
Agrawal, Varun
Agyemang, Charles*
Akrawinthawong, Krittapoom
Akrawinthawong, Krittapoom*
Albright, Karen
Alford, Daniel
Algotar, Amit
Alpert, Joel
Altman, Barbara
Alvanzo, Anika
Ananthakrishnan, Ashwin*
Anderson, Heather
Anderson, Wendy*
Androwich, Ida*
Antommaria, Armand*
Ardemagni, Enrica
Armistead, Niti
Arnold, Louise
Arora, Vineet
Astin, John
Atallah, Sylvana
Attridge, Russell*
Ayres, Lioness*
Baggett, Travis
Bakris, George
Bancroft, Marjory
Bannuru, Raveendhara*
Barkley, Geoff
Barkoudah, Ebrahim
Barnato, Amber
Barr, Michael
Barrett, Brendan
Barrett, James*
Barron, Beth
Barry, Michael
Bassett, Ingrid
Batch, Bryan
Bau, Ignatius
Bauer, Heidi
Baum, Michael
Beach, Mary Catherine
Beck, John*
Becker, William
Befort, Christie
Behler, Caroline
Bell, Ralph
Bell, Robert
Bell, Tanvir
Benard, Vicki
Benin, Andrea
Benner, Joshua
Berg, Jessica
Berg, Katherine
Berger, Barbara
Berkenblit, Gail
Berkman, Nancy
Bernabeo, Elizabeth
Bernstein, Kyle
Berry, Stephen*
Beyth, Rebecca*
Binswanger, Ingrid
Biros, Michelle
Bishop, Tara*
Bix, Laura
Blackall, George F
Block, Jon
Blum, Alex
Bodenheimer, Thomas
Bohannon, Richard
Boltri, John
Bonney, Loida
Bott, David
Boulware, L. Ebony
Boutin-Foster, Carla
Bovet, Pascal
Boyd, Cynthia
Branch, William
Brauner, Daniel
Brendel, Rebecca
Brenner, Darren
Brett, Belle
Briesacher, Becky
Brittain, Kelly
Brody, Howard*
Brophy, Jay
Brotman, Daniel J.
Brunetti, Natale Daniele
Bruns, Anke
Bulchandani, Deepti
Burchell, Ann
Burgio, Louis
Burke, Michael
Burton, Christopher
Bynum, Julie
Cadigan, Jean
Caines, Laurie
Cappelleri, Joseph
Card, Andrea
Carlson, Charlotte
Caron, Aleece
Carrico, Adam
Carrier, Emily
Carroll, Norman
Carroll, Patrick
Carson, Michael
Carter, Michele
Cartwright-Smith, Lara
Cavanaugh, Kerri
Cecchi, Enrico
Cecchini, Michele*
Cegala, Donald
Cene, Crystal
Chakraborty, Subhankar
Chao, Samantha
Cheever, Laura
Chen, Huiju
Chen, Judy
Cheng, Christine
Cheng, Hugo
Cherkin, Dan
Cherrington, Andrea
Cheungpasitporn, Wisit*
Chewning, Betty
Chin, Jeanette*
Chin, Marshall
Choi, Won
Chou, Calvin
Choudhry, Niteesh
Chren, Mary Margaret
Christianson, Jon
Chudgar, Saumil
Chung, Sukyung
Clancy, Dawn
Clark, Alexander
Clark, Cheryl
Clark, Michael
Cochran, Nan
Cody, Marisue
Coffey, Jr., Charles
Cohen, Beth
Cohn, Felicia
Coleman, Kimberly
Comsa, Mihai
Conner, Douglas
Conwell, Leslie*
Cooperberg, Matthew
Cordasco, Kristina
Correa, Ricardo
Correa, Ricardo
Cotton, Sian*
Coups, Elliot
Covinsky, Kenneth*
Crandall, Sonia
Croghan, Thomas*
Cunningham, Peter
Cunningham, William
Cutrona, Sarah*
Cutrona, Sarah
Czaja, Sara
Dacha, Sunil
Daley, Christine
Damiano, Peter
Dandu, Madhavi*
Danis, Marion
Datta, Santanu
Davidoff, Amy
Davis-Smith, Monique
Day, Gregory
Deamant, Catherine*
Dean, Nathan
Degruy, Frank
Desalvo, Karen
Desroches, Catherine
Dezee, Kent
Dhurandhar, Anjali
Diamond, Lisa
Dibonaventura, Marco
Dieckhaus, Kevin
Diehl, Andrew
Divine, George
Dixon, Brian
Djuricich, Alexander
Dobscha, Steven*
Doering, Tracey*
Doggett, David
Dohan, Daniel
Dolan, James
Dolovich, Lisa
Domino, Frank*
Donaldson, Molla
Dong, Yue
Donohue, Julie
Dotson, Vonetta
Doubeni, Chyke*
Downing, Steven
Du, Xianglin
Duggan, Ashley
Dunton, Genevieve
Duru, O. Kenrik
Dwyer, Johanna
Dyrbye, Liselotte
Edlund, Mark
Effiong, Andem
Eggers, Paul
Eiser, Arnold
Ell, Kathleen
Elliott, Daniel
Elmore, Joann
Elnicki, Michael
Elstein, Arthur
Enderle, Mark
Engelman, Kimberly
Ephrem, Georges
Eslami, Saeid
Fancher, Tonya
Farnham, Paul G.
Farzanfar, Ramesh
Faseru, Babalola*
Fauli, Siri
Federman, Alex
Federman, Douglas
Feero, W. Gregory
Feldman, Roger
Felix, Kaytura
Feng, Qiushi
Feng, Yongqing
Fernander, Anita
Fickel, Jacqueline*
Filardo, Giovanni
Filice, Gregory
Fingerhood, Michael
Finkelstein, Joseph
Fish, Laura
Fisher, Joslyn*
Fishman, Paul
Fletcher, Kathlyn
Floch, Martin
Flores, Ann Marie
Fong, Tamara
Forjuoh, Samuel
Forman, Daniel
Forrest, Christopher
Fortney, John*
Fourtounas, Costas
Fowler, Floyd
Fox, Rena
Fraenkel, Liana
Francis, Maureen
Frank, Erica
Freiberg, Matthew
Friedman, Maria
Friedman, Susan
Fullerton, Stephanie Malia
Fung, Constance
Gabbay, Ezra
Gagnon, Marie-Pierre
Gallagher, Teresa
Gardiner, Paula
Gellad, Ziad
Germain, Michael
Gerrity, Martha
Gertz, Alida
Gibbons, Melinda
Gimm, Gilbert
Ginosar, David
Girotti, Jorge
Glassman, Peter
Gliatto, Peter
Glover, Jackie
Gluud, Lise Lotte
Goddard, Andrew
Goldsmith, Laurie
Gollust, Sarah
Gomez, Arthur
Good, Chester
Goodlin, Sarah
Goodman, Kenneth
Gottlieb, Amy*
Gowd, B.M.Pampana
Grande, David
Grau, Lauretta
Greene, Jeremy
Griggs, Jennifer
Griswold, Kim
Groopman, Jerome
Grothaus, Louis
Guandalini, Stefano
Guddati, Achuta
Guerra, Carmen
Guessous, Idris
Gundareddy, Venkat*
Gusmano, Michael
Günald, Meral
Haaz, Steffany*
Haddad, Mark
Hahn, Elizabeth
Hahn, Steven
Halamka, John
Halfon, Patricia
Hall, Karen
Hall Long, Kirsten
Hallenbeck, James
Hamieh, Tarek
Han, Beth
Hanchate, Amresh
Handler, Steven
Hanoch, Yaniv
Hardy, Susan
Harpole, Linda
Harrity, Shawn*
Hasnain-Wynia, Romana*
Hastings, Susan
Hatahet, Mohamad
Hatala, Rose
Hausmann, Leslie
Hawley, Sarah
Hays, J Taylor
Hazlet, Thomas
He, Jianghua
Hellström, Amanda
Helmer, Drew
Hensley Alford, Sharon
Hepner, Kimberly
Heritage, John
Hermer, Laura
Hernandez, Jose Luis
Heslin, Kevin
Hess, Rachel
Hesse, Bradford
Hester, D. Micah
Hewett, David
Hicks, Frank
Hicks, Leroi
Higgins, Stephen
Hinch, Bryan
Hinchey, Kevin
Hinote, Brian*
Hirsh, Joel
Hirshfield, Sabina
Ho, Michael
Hodgkin, Dominic
Hoellein, Andrew
Hoenig, Helen
Hoffman, Richard
Hogan, Timothy
Holden, Debra
Holl, Jane
Holmes, Ann M.
Holt, Cheryl
Holt, Stephen
Holt, Stephen
Horvitz-Lennon, Marcela
Hsiao, Chun-Ju
Huggett, Kathryn
Hui, Sk Azor*
Humphreys, Keith
Hunter, Christopher
Hwang, Stephen
Iftikhar, Salma
Imazio, Massimo
Insinga, Ralph
Irani, Farzan
Jaar, Bernard
Jackson, Christian
Jackson, George
Jacobson, Janet
Jacobson, Peter
Jaeger, Jeffrey
Jamal, Yasser
Jean-Jacques, Muriel
Jelley, Martina
Jennings, Ian
Jenq, Grace
Jhamb, Manisha
Johl, Karnjit
Johnson, William
Johnston, Doug
Jonas, Wayne
Jones, Mark
Jones, Resa
Jordan, Lanetta
Joseph, Djenaba
Jureidini, Jon
Juul, Dorthea*
Kado, Deborah
Kaestner, Robert
Kahan, Scott
Kahlon, Gunjan
Kahn, Katherine*
Kaiser, Karen*
Kaissi, Amer
Kalager, Mette
Kanade, Sandhya
Kane, Robert
Kane-Gill, Sandra
Kaphingst, Kimberly*
Kaplan, Sherrie
Kapo, Jennifer
Kapoor, Alok
Karan, Mehmet Akif
Karliner, Leah
Karter, Andrew
Kassab, Maria
Kassirer, Jerome
Kattan, Michael
Kaufman, David
Kavalieratos, Dio
Kavanaugh, Megan
Keenan, Patricia
Kehle, Shannon
Kertesz, Stefan*
Kesselheim, Aaron
Kessler, Chad
Ketcham, Jonathan
Keyhani, Salomeh
Kilbourne, Amy
Kilgore, Meredith
Kilo, Charles
Kim, Theresa
Kimberg, Leigh
Kimerling, Rachel
King, Diane
Kinney, Eleanor*
Kizer, John
Kleshinski, James
Klugman, Craig
Knight, Chris
Knight, Kelly
Knight, Sara
Kogan, Jennifer
Koracevic, Goran
Korenstein, Deborah
Korthuis, P. Todd
Kosteniuk, Julie
Kotla, Sumankrishna
Kovner, Christine
Kramer, Jennifer
Krebs, Erin*
Kremer, Heidemarie
Krishnan, Ranjani
Kroenke, Kurt
Kronish, Ian
Kullgren, Jeff*
Kullgren, Jeffrey
Kumagai, Arno
Kumar, Ambuj
Kumar, Nilay
Labarère, José
Lagu, Tara
Lamantia, Michael
Landman, Adam
Landon, Bruce
Lantos, John
Latham, Stephen
Lavela, Sherri*
Lazarus, Cathy
Legare, France*
Leigh, J. Paul
Leland, Natalie*
Lemieux, Josh
Lenhard, M. James*
Lerfald, Nathan
Levin, Theodore
Levinson, Wendy
Lewis, Lisa
Lewis-O'connor, Annie
Leykum, Luci
Li, Jun
Li, Yuyuan
Liberman, Joshua*
Lieberman, Steven
Liebow, Mark
Like, Robert
Lin, Grace
Lin, Ming Valerie
Linas, Benjamin
Linden, Judy
Lindenauer, Peter
Lindenberger, Elizabeth
Lio, Peter
Lo, Margaret
Lo Sasso, Anthony
Loeb, Danielle
Lotufo, Paulo
Lowry, Becky*
Lu, Lawrence
Lunze, Karsten
Ma, Jun
Ma, Sai
Macdonald, Joanna
Maciejewski, Matthew*
Mahipal, Amit
Mai, Cuc
Mainous, Iii, Arch
Majumdar, Sumit
Malat, Jennifer
Malhotra, Jyoti
Malliarakis, Kate
Mamede, Sílvia
Mancuso, Josephine
Manganello, Jennifer
Manheim, Larry
Manjarrez, Efren
Mann, Devin
Mao, Jun
Marcantonio, Edward
Marcus, Marianne
Markson, Leona
Marusic, Ana
Masilamani, Santhi
Matthias, Marianne
Maunder, Robert
Maurer, Martha
Maxwell, Annette
May, Suepattra
Mayer, Anita
Mcalearney, Ann*
Mccarthy, John
Mccusker, Jane
Mcdonald, Charlotte
Mcinnes, D Keith
Mckinley, Danette*
Mcqueen, Amy
Mcwilliams, J. Michael
Means, Robert
Meerschaert, M. Carmen
Mehrotra, Ateev
Meka, Praveen
Meneghini, Luigi
Merkin, Sharon
Merlin, Jessica*
Metersky, Mark
Methuku, Nanda
Metzger, Maureen
Mhaskar, Rahul
Micco, Guy
Miller, Donald
Min, Lillian
Mintzes, Barbara
Misra, Ranjita
Mitchell, Matthew*
Mohr, David*
Montello, Martha
Moore, Donald
Mopala, Prashanth
Mor, Vincent*
Morasco, Benjamin
Moreno, Alejandro
Morriss, Richard
Moskowitz, David
Muhlbaier, Lawrence
Mulkey, Zachary
Muniyappa, Kishor
Murarka, Shishir
Musick, David
Mustafa, Reem
Nadkarni, Anagha
Nambisan, Priya
Nass, Sharyl
Nazi, Kim
Nease, Donald
Necheles, Jonathan
Nelson, David
Nelson, David
Nelson, Wendy
Newlin, Kelley
Newman, Lori
Newton, Katherine
Nguyen, Long
Niederdeppe, Jeff
Njike, Valentine
Noel, Polly Hitchcock
Norcini, John
Nunez-Smith, Marcella
Nuru-Jeter, Amani
Nyweide, David
O'leary, Kevin
O'malley, Ann
O'malley, Cheryl
O'malley, Patrick
O'rorke, Jane
Oliver, Brant
Olsen, Maren
Olshansky, Jay
Olson, Douglas
Olson, Sharon*
Opmeer, Brent
Oramasionwu, Christine*
Orlando, Lori
Oudega, Ruud
Overholser, Linda
Oyler, Julie
Ozanne, Elissa
Palmas, Walter
Pandey, Rahul
Panicola, Michael
Papageorgiou, Panos
Papanas, Nikolaos
Pape, Theresa
Paranjape, Anuradha
Parikh, Nina*
Parikh, Puja
Park, Mary Anne
Parnes, Lorne
Patel, Kushang
Patel, Mitesh
Patel, Sunita
Pathak, Ram
Pauker, Stephen
Pendleton, Neil
Penfold, Robert
Penson, David
Pereira, Anne
Perkins, Henry
Perkowski, Linda
Persad, Govind
Persky, Neal
Perwaiz, Muhammad
Pesis-Katz, Irena
Peterson, Cecily
Peterson, George*
Petittii, Diana
Petry, Nancy
Phillips, Erica
Pickard, A. Simon
Picot, Joanna
Pierce, John
Pitts, Stephen
Plantinga, Laura*
Plantz, Diane
Podus, Deborah
Poirier, Paul
Poirier, Paul
Poleshuck, Ellen
Politi, Mary
Pollack, David
Pollack, Harold
Porath, Avi*
Porta, Massimo
Powell, Adam*
Powell, Heidi
Powers, Benjamin
Prentice, Julia
Price, Lori Lyn
Prislin, Michael*
Qureshi, Adnan
Rajan, Sabitha
Rakowski, William
Ramachandra Pai, Rajasree Pai
Ramakrishnan, Kalyanakrishnan
Ramaswamy, Anuradha
Ramaswamy, Megha
Ramesh, Krithi
Rana, Sameer
Randhawa, Gurvaneet
Ranji, Sumant
Ransohoff, David
Rantz, Marilyn
Raue, Patrick
Raza, Shahzad
Razafsha, Mahdi
Reddy, Shalini
Redelmeier, Donald
Reerink, Evert
Reid, Robert
Reis, Shmuel
Reynolds, Grace
Rhoades, Jeffrey
Richards, David
Richter, James
Riesenberg, Lee Ann
Riley, Elise
Rittenhouse, Diane
Rivera Mindt, Monica
Rockwood, Kenneth
Roddy, Juliette
Rodriguez, Carlos
Roebuck, Mark Christopher*
Roetzheim, Richard
Roland, Martin*
Rose, Adam*
Ross, Joseph
Roth, Mary
Rothman, Russell
Rothschild, Jeffrey
Rouf, Emran
Roumie, Christianne
Roy, Christopher
Rubenstein, Lisa
Ruffin, Mack
Ruiz, Jorge
Ruo, Bernice*
Russell, Marcia
Russell, Marcia
Sadler, Anne
Saha, Somnath
Salazar, Sergio
Saliba, Debra
Salmon, Peter
Saluja, Sandeep
Salzman, Gary
Samal, Lipika*
Sanderson, Saskia
Sandhu, Nicole
Santana, Calie
Sanz, Francisco
Sarkar, Urmimala
Sarsour, Khaled
Sayles, Jennifer
Schapira, Marilyn*
Scherrer, Jeffrey
Schim, Stephanie
Schmaltz, Heidi*
Schmidt, John
Schmidt, Shelley
Schmittdiel, Julie
Schneider, John
Schneider, Sandra
Schnelle, John
Schoen, Cathy
Schoenbaum, Stephen
Schoenthaler, Antoinette
Schonberg, Mara
Schumacher, Jessica
Schuwirth, Lambert
Seago, Jean Ann
Segura, Jennifer
Sehgal, Raj*
Seligman, Hilary
Selim, Magdy
Serumaga, Brian
Sey, Michael
Shah, Minesh
Sharma, Priyanka
Sharma, Rashmi
Shea, Steven*
Shelby, Rebecca*
Shelton, Wayne
Shields, Cleveland
Shireman, Theresa*
Shivakumar, Geetha
Showalter, John*
Shunk, Rebecca
Shuval, Kerem
Silveira, Maria
Siminoff, Laura
Simon, Gregory
Simon, Joel
Simon, Melissa
Sinaiko, Anna
Singer, Eleanor
Skaer, Tracy
Skotzko, Christine
Sliem, Hamdy
Smidth, Margrethe
Smith, Dean
Smith, Robert*
Smith, Steven
Solberg, Leif
Sommers, Elizabeth
Song, John
Sorbero, Melony
Sorkin, Dara
Sorkin, Dara*
Sozio, Stephen
Spang, Healther
Staiger, Tom
Stefan, Mihaela
Steiger, Scott
Steinman, Michael*
Stewart, Susan*
Stoddard, Hugh
Stone, Roslyn
Street, Richard
Strenski, Teri
Stuart, Brad
Stuart, Bruce
Stuckey, Heather
Subhas, Gokulakkrishna
Sudore, Rebecca
Swallow, Nicole
Sweet, David
Tabas, Jeffrey
Tai-Seale, Ming
Tamariz, Leonardo*
Tang, Joyce
Tang, Ning
Tao, Guoyu
Tarn, Derjung
Taylor, William
Telfair, Joseph
Thirumaran, Rajesh
Thorndike, Anne
Thrasher, Angela
Tice, Jeffrey
Tio, Audrey
Tjia, Jennifer
Touchette, Daniel*
Trauth, Jeanette
Triola, Marc
Tsai, Adam
Tsai, Alexander
Tseng, Chien-Wen*
Tuohey, John
Tuot, Delphine*
Tyssen, Reidar
Ubel, Peter
Uchida, Toshiko
Urban, Susan
Vadlamudi, Raja
Vadlamudi, Raja
Vaillancourt, Regis
Van Den Heuvel, Wim
Van Der Molen, Thys
Van Eaton, Erik
Van Schaik, Sandrijn*
Van Scoyoc, Erin*
Varosy, Paul
Vela, Monica
Venkitachalam, Lakshmi*
Venters, Homer
Verma, Ashish
Verma, Sameer
Vijan, Sandeep
Vijayaraghavan, Maya
Viswanathan, Meera
Vogeli, Christine
Voils, Corrine
Vokes, Tamara
Wagner, Dianne
Wagner, James
Wakeman, Sarah
Walker, Edward
Wallace, Robin
Walling, Anne
Wang, Connie
Wang, Jing*
Ward, Kristina
Ward, Lawrence
Ward, Marcia
Warm, Eric
Wassenaar, Michael
Watkins, Katherine
Weiner, Mark
Weiser, Sheri
Weiss, Barry*
Weiss, Carlos*
Weiss, Debora
Weiss, Linda
Welborn, Toney
Weller, Wendy
Werner, Rachel
Wernsing, David
West, Brady
West, Suzanne
White, Mary
White, Richard
Whitley, Elizabeth
Whitney, Simon
Widera, Eric
Wieland, Mark*
Wight, Richard
Wilder, Ron
Wilkin, Noel
Williams, Karen Patricia
Willke, Richard
Wilson, Ira
Wilson, Stephen
Wiseman, Rachel*
Wittich, Christopher
Wolfe, Lisa
Wong, Martin*
Wongsaroj, Patarapha
Wood, Malissa
Woolhandler, Steffie
Woolley, J. Michael
Wright, Lucius
Wulsin, Lawson
Wunderink, Richard
Xu, Jin-Fu
Xu, Ruifeng
Yadav, Surinder
Yancy, Jr., William
Yanni, Leanne
Yano, Elizabeth
Yarborough, William
Ye, Lichuan
Yelin, Ed
Yerger, Valerie
Young, Henry
Young, Meredith
Zaas, Aimee
Zema, Carla
Zhang, Xuanping
Zipkin, Daniella*
Zirakzadeh, Ali
Zuberi, Rukhsana
Zubkoff, Lisa*
*Superior Reviewer, defined as >=2 reviews, quality score no lower than 4 of 6 on any single review, no review returned past 30 days
PubMed Central Canada is a service of the Canadian Institutes of Health Research (CIHR) working in partnership with the National Research Council's national science library in cooperation with the National Center for Biotechnology Information at the U.S. National Library of Medicine(NCBI/NLM). It includes content provided to the PubMed Central International archive by participating publishers.


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Listening to and understanding customers is one of the most overlooked steps in the product design process. By creating personas for your target customers, you can synthesize feedback and behavior to help better address a specific customer's needs. Creating personas isn't a one-off activity, and personas aren't static artifacts. They're created to continuously evolve and not only feed your product roadmap, but impact departments across your company. In our four part series on personas we'll explore common missteps, insights into our own persona development, and tips for you to create your own.
At Fresh Tilled Soil, we know what it takes to build a great product. One of our key roles is to help our clients feel secure in engaging with us at every step of the way. We also know that building and maintaining trust is the most essential ingredient to a successful partnership. From earliest conversations all the way to the end of the project, we're building a foundation with our clients that will withstand the bumps that can occur during complex, high-risk design projects.
Stated simply, our clients' largest risk is ambiguity. They have a sense that we'll be able to uncover solutions together that they didn't think about on their own. But they're not always sure how it's going to work or what to expect along the way.
This is a pretty scary place to start. Uncertainty can lead to all sorts of problems — misalignment of goals, lack of trust, mismanagement of the budget, and most frightening of all, building the wrong thing. To do our job effectively, we must move the needle from ambiguity to certainty.
So we asked ourselves, "How well are we doing in these two critical factors?"
- Helping our clients feel secure throughout the project life cycle.
- Creating a secure environment where we move from chaos and ambiguity to certainty and clarity.
To answer these important questions, we investigated our service protocol and procedures to ensure we're doing the best job guiding our clients through the process of uncovering and creating successful solutions, and identifying areas and ways that we can improve.
Our Customers and Their Journeys
Using our own process and methodology, we identified and profiled key personas (in this case, our clients) and mapped their experiences against a particular journey (an end-to-end engagement with Fresh Tilled Soil).
Persona development and experience mapping are essential activities in achieving a holistic view of who you're engaged with and how best to do so. Through these activities, we uncovered user goals, preferences, and emotions at every touchpoint along their journey with us. This allowed us to dig deeper into the people and their motivations, identify pain points and gaps, and ultimately improve our quality of service.
We've got the A team to undertake this challenge, a multi-disciplinary group that brings a range of client and project experience. Great team motivators, relationship and experience evangelists, client whisperers, and the two men who wrote the book on Design Sprints, among others. Best of the best.
As noted in a previous post in this blog series, our five personas represent our client base — key players and decision makers in the digital product industry:
- Polly – Product Owner/Manager
- Ulysses – UX/Design Lead
- Liz – Product Marketing/Sales
- Islanda – CIO/Innovation Lead
- Vince – CTO/VP of Engineering
We examined their roles, day-to-day activities, and goals. We used empathy mapping to brainstorm what they're thinking, seeing, feeling, saying, hearing, and doing. We validated our assumptions through user testing. Then we mapped their experience along a project life cycle: Awareness, Inquiry, Needs Assessment, Scoping, Negotiation, Preparation, Kickoff, Project Strategy, Design, and Build, and finally Re-Engagement.
Key Insights
Anticipate the negative, amplify the positive
This analysis has given us a detailed view of key customer touchpoints. We have uncovered and mapped insights into their specific goals and emotional states at discrete moments in time. We can now easily see the places where things tend to get bumpy, and why.
Going forward, our intention will be to anticipate the negative and amplify the positive. For example, when initially researching potential design firms, client emotions might include being excited — "I finally got the go-ahead with my initiative!" And run the gamut to more negative emotions — "I've never done this before, what if I fail?"
When we can anticipate clients' concerns and fears, we can have helpful strategies and protocols at the ready. For example, a process diagram map that describes the steps and sequence of a product design project and lists out recommended activities and deliverables a client can expect. Visuals help to create alignment and shared understanding and go a long way in conveying the big picture view, helping to alleviate feelings of being unprepared and at risk.
Moments of truth
That moment in the relationship when you feel things are really gelling, the partnership is solidifying, alignment is forming. How did that happen? What were the micro-events that led to it? What can we do to always reach positive moments of truth?
Take scoping and negotiating, for example. We know we're successful when we've listened really well, then connected the dots to provide a solution that the client needs. Explored options and clearly explained that we can provide value across a range of options and price points. Talked through risks and how we'll handle difficult conversations if the need arises.
Even during the earliest stages of communication, we have an opportunity to demonstrate what it's going to be like to work together. The process of agreeing on the right approach and confirming how we'll work together signals how collaborative the engagement itself will be.
Aligning goals
A critical step in any project is to identify and align goals. We continually keep project goals, client business goals, user goals, and our own design goals in mind and in alignment throughout a project. Of particular importance in our analysis was mapping our clients' goals along our engagement life cycle and compared them to ours. Uncovering the reality that sometimes our customers' goals can be a lot different from ours, we can be more aware of our blinders and broaden the focus to more effectively communicate.
During project preparation and kickoff, our team has a solid checklist for setting the stage for a strong partnership. Aligning client and internal team members on scope, approach, and roles; confirming why we're here and what we're here for; setting up tools and scheduling meetings. Our clients, on the other hand, have their own set of concerns. New risks might be at hand — shifting business priorities, team members thrown in last minute or important allies suddenly taken off the project, a looming acquisition. We must remember to always listen and verify, even as our own preparations are taking a lot of our attention.
Flexing mindfully within the framework
Our momentum is propelling us along nicely. The project plan is solid, we're hitting our milestones, and everyone's getting along well. Then a new finding emerges — an erroneous assumption unearthed through user testing, or a new business goal exposed due to a competitor play — and we've got to shift our thinking and plan. And that's OK.
The client's goal is to have confidence that we're building the right thing, even if the definition of "right" has now shifted. Our goal is to remain in control of the process, proceed with an open mind, have the necessary conversations with our clients, and not let unanticipated circumstances throw us all off the rails.
We now have visibility into moments along the journey where these shifts are likely to occur and can act accordingly to keep potential problems from becoming big complications. Our well-hewn processes and methodologies give us a framework to work within, and allow for speedy evaluation and fresh perspective. They also allow us to proceed confidently into new terrain, as they did at the outset of the project when so much was still to be discovered. We've flexed within the framework and gotten back on track with renewed momentum without feeling out of control.
Handoff Is Part of the Practice
Whether you're talking about a relay running team passing the baton or a medical team transitioning a patient from one specialist to another, handoff is part of the practice.
It means having empathy for your partner and handing off at the right speed, to full pace, with accuracy, consistency, and perfect timing. An excellent handoff embodies the exemplary service that we strive to provide.
Our handoffs between stages, modes, and people are clearly defined with our clients so that we can get up to speed, hit our stride, and ride the momentum of high-functioning teams and happy clients.
Having gone through our persona development and experiencing mapping process, we now have a bird's eye view of touchpoints and modes of operation as well as possible anxieties and frustrations, helping us anticipate problems and mitigate them before they hit.
We're now in the process of layering in moments and devices where we can pump up our service delivery. Our goal is to enter the "white glove" service zone, with empathy, confidence, and good dose of warmth and humor. In next week's post, we'll discuss our persona tool and how to implement changes to better connect with your personas.


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Many thanks to my friend Gretchen for being gracious and kind to lend me the image which is now the banner. She is such a ninja with cameras.
Thank you for blessing me with the gift God has granted you, Gretchen. May God bless you for your faithfulness, my sister.


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Romanians and Bulgarians claiming benefits in Britain for their kids abroad TREBLES
THE number of Romanians and Bulgarians claiming child benefit in Britain for children who live abroad has more than trebled in the past five years.
Some 687 children living in the countries are now being funded by the UK taxpayer
Claims from the Eastern Europeans working in the UK but sending benefits home have risen from 154 to 446 in five years.
A total of 687 children living in the former Soviet bloc countries are now being funded by the UK taxpayer more than £12,584 each week or £655,000 a year.
The sum is a small slice of the £27.3million in child benefit which is sent abroad to pay for youngsters in Eastern Europe, according to the latest government figures.
As much as £136million of taxpayers' cash has been shelled out on children not living in Britain over the past five years.
British child benefits that are now sent abroad amount to £27m
The sums are being drained away despite all three major political parties saying they want to curb EU-bound benefits.
Jonathan Isaby, Chief Executive of the TaxPayers' Alliance, said: "This is another example of why universal benefits are almost universally a bad idea.
Eastern Europeans working in the UK sending benefits home have risen from 154 to 446 in five years
Considering the difference in the cost of living in the UK and some of these other countries, these payments are just absurd.
"Welfare should be means tested and set at a level so that it acts as a safety net for those who need it. It cannot be an arbitrary handout at the expense of taxpayers."
Statistics released under Freedom of Information rules show that most of the cash sent abroad over the past five years – £115.7million – has been paid out to support Polish children living in their homeland while a parent works here.
Figures show that the UK taxpayer is even paying for 28 families in Poland where child benefit is being claimed for five or more children.
Slovakian youngsters account for the next biggest slice of the pie with £7.3million, Lithuanians come third with £5.9million followed by Latvians, who get £3.3million of British state handouts.
Romanians complete the top five with £1.3million.
Those in the Czech Republic, Bulgaria, Hungary, Estonia and Slovenia account for the remaining £3.1million sent abroad since July 2010.
The statistics reveal at least 15,688 citizens from the 10 Eastern European countries now claim for children left behind in their homelands.
Claimants pocket £20.70 per week for the first child and then £13.70 for every subsequent infant at a rate that is many more times the equivalent paid by their own governments.
The payments are legal under Brussels rules allowing migrant workers from the EU to claim child benefits here even though their off-spring are not living with them.
David Cameron has said he wants to bring an end to the practice as part of his forthcoming renegotiations for reforms with the EU.
Even Nick Clegg called the situation "absurd".
Last night a government spokesman said: "These figures highlight why the Prime Minister is right to seek reform in the EU."


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Itwasonlyakiss sets a fair standard but our vote goes to TAGSEED, with Barnstorm and the newcomer Bated Breath others worthy of attention. It may be significant that William Haggas has kept our selection in training as a four-year-old and we'll take the hint. The gelding ran well on his sole start last year and the winner of that is now a fair handicapper, so with improvement entirely possible he gets our vote with conditions no problem. Itwasonlyakiss is rated 75 and sets the standard having gone very close to winning twice already. She's at home under these conditions but needed her first run as a juvenile badly and has landed a poor draw here. With that in mind she's taken on along with Barnstorm, an expensive purchase who ran better than his finishing position suggests on debut but has to prove he can improve upon it on this ground. Bated Breath is the most interesting of the newcomers being closely related to a couple of smart performers from this yard. He'll probably want a bit further than this though and can be opposed this time. Pelmanism is a full brother to the yard's Tiddywinks, a smart performer over this trip, so he's more interesting than the likes of Times Ahead and Gold Crusher who may do better when handicapping. An interesting maiden that may go to Tagseed.
Tagseed (IRE) 4-1 (9-3) Tracked leaders, switched left 2f out, effort soon after, kept on same pace final furlong, 3rd of 17, 1 3/4l behind Devil You Know (9-3) at Nottingham 6f 3yo mdn aut (5) gf in May.
Bahamian Bolt 33-1 (8-8) Took keen hold, tracked leaders, ridden and weakened over 1f out, 8th of 11, 10l behind Fair Passion (8-8) at Southwell 5f mdn auc stks (6) fbs in Feb.
Bahamian Jazz (IRE) Bahamian Bounty colt out of Nandy's Cavern.
Barnstorm 7-2 (8-13) Behind, ran green, headway to chase leaders 3f out, ridden and effort over 1f out, one pace final furlong, 5th of 7, 3l behind Johannesgray (8-13) at Catterick 6f mdn stks (5) gs.
Bated Breath Dansili colt out of Tantina.
Clare Harrier (IRE) Medecis colt out of Assafiyah.
Gold Crusher (USA) 14-1 (9-3) Prominent, ridden over 1f out, weakened inside final furlong, 6th of 11, 5l behind Brick Red (9-3) at Kempton 6f 2yo mdn stks (4) pol in Aug.
Loss Leader (IRE) 80-1 (9-3) Chased leaders, ridden on outside 2f out, weakened over 1f out, 8th of 9, 15l behind Citrus Star (9-3) at Pontefract 5f 2yo mdn aut (5) gf in Sep.
Pelmanism Piccolo gelding out of Card Games.
Rabbie Burns Dansili gelding out of Illusory.
Regal Emperor (IRE) Antonius Pius gelding out of Bali Breeze.
Times Ahead (USA) 80-1 (9-3) Held up in touch, ridden over 2f out, weakened approaching final furlong, 9th of 14, 11l behind Al Zir (9-3) at Newmarket 7f 2yo mdn (4) gs in Aug.
Whitechapel 7-1 (9-3) Slowly into stride, in rear, shaken up over 3f out, always behind, last of 10, 15l behind Deloria (8-12) at Salisbury 6f 2yo mdn (4) gf in Jul.
Gower Diva Sakhee filly out of Fine Arts.
Itwasonlyakiss (IRE) 4-1 (9-0) Led on rail, ridden, kept on well when strongly pressed final furlong, no extra and headed towards finish, 2nd of 12, nk behind Miss Lesley (8-9) at Windsor 6f 2yo stks (4) gf in Jul.
Scooby Dee 40-1 (7-12) Behind, ridden and kept on from over 1f out, never nearer, 8th of 13, 23l behind Landowner (9-4) at Pontefract 1m 2yo hcp 0-75 (5) gf in Oct.


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(Recasts with Argentine president's statement)
By Nate Raymond and Richard Lough
NEW YORK/BUENOS AIRES, July 23 (Reuters) - Argentina will keep talking to "holdout" investors suing the country for full payment on their bonds, but its demands should not be trivialized as whims, its president said on Wednesday.
President Cristina Fernandez said Argentine officials would travel as often as necessary to New York, where negotiations aimed at staving off another painful debt default are being held through a court-appointed mediator.
The latest round of debt talks between the two sides was pushed back by a day on Wednesday, mediator Daniel Pollack said, as the clock ticked down toward a July 30 deadline for a deal.
"We'll keep talking," Fernandez told workers at a new factory outside the capital, Buenos Aires. "We'll go as often as necessary to wherever we need to go. But our demands, they are not just a whim."
Argentina faces its second default in 12 years if it fails to cut a deal with the hedge funds demanding full payment for defaulted bonds, instead of a reduced amount.
Argentina, Latin America's No. 3 economy, argues paying the holdouts would break a legal clause protecting creditors who accepted large writedowns after its 2002 default and open it up to claims worth as much as $15 billion.
New York lawyer Pollack said the Argentine delegation "could not get here in time" after U.S. District Judge Thomas Griesa on Tuesday ordered both sides meet "continuously" until they reached an agreement.
Pollack said the meeting had been rescheduled for Thursday at 12 p.m. EDT (1600 GMT).
Argentina, which defaulted on about $100 billion in 2002, has been pushed to the brink of a fresh default by U.S. court decisions that it pay the $1.33 billion face value of the bonds plus interest to bondholders who did not participate in debt swaps in 2005 and 2010.
Bondholders who agreed to the restructuring terms received large writedowns.
Fernandez's unflinching stance in the battle against "holdout" investors suing the country may increase the odds that her government will default.
The possibility of a default came after Argentina last month made what the ministry said was a $1.15 billion payment for its restructured bondholders. That money included $539 million deposited with indentured trustee Bank of New York Mellon Corp.
But Griesa deemed the payment a violation of injunctions that required Argentina to pay the holdouts the $1.33 billion the next time it paid the restructured bondholders.
The judge blocked transferring the funds to creditors, triggering a 30-day grace period up to July 30.
The holdouts are led by Elliott Management's NML Capital Ltd and Aurelius Capital Management.
Griesa on Tuesday called the possibility of default "the worst thing I can envision" and said the two sides still had enough time to work out a deal. (Editing by Jeffrey Benkoe, W Simon and Lisa Shumaker)


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"You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face.You must do the thing which you think you cannot do." -Eleanor Roosevelt
June 29, 2010 by admin Filed under Blog, Entrepreneurs, Kid Entrepreneurs, Kids & Money, Money
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Tag Archives: DAR Constitution Hall
DAR pediment is simple enough
We're going with an easy one here. I don't care if you've never seen a pediment in your life (and you may have not) you're going to know what this one means. High above the western entrance into the … Continue reading


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World's most wanted gangster: Meet the mob killer behind Johnny Depp's movie comeback
JAMES "Whitey" Bulger – once the most wanted man on the planet behind Osama bin Laden – has seen and done it all when it comes to being an international criminal.
The Irish-American gangster started his crooked life aged 14 and did not stop until he was arrested nearly seven decades later.
He outran the FBI for more than 16 years after being placed in the US's Top 10 Most Wanted list.
And the fugitive even used LONDON as a hideout.
He famously told FBI agents in 2011 when they finally tracked down to his garage: "You know who I am, I'm Whitey Bulger."
Now his life story has been made into a Hollywood blockbuster – titled Black Mass – with none other than Johnny Depp playing the convict.
The Hollywood heartthrob - known for his acting versatility - said he had been "fascinated" by the mob boss for years.
Whisper it, but it's said to be Depp's comeback after a series of box office blips – such as Mortdecai, Transcendence and The Lone Ranger.
Depp – tipped for a forth Oscar nomination for his performance – tried to persuade the now 86-year-old into meeting him to prepare for the role.
But the infamous inmate - currently locked away in a supermax Florida prison - refused Depp's request.
"I did ask Mr Bulger if he would grant me some time – but he respectfully declined," Depp said.
"It was a very long shot anyway. He was very gentlemanly about it – he just said he didn't like the book about him."
In 2001 a book – called Black Mass: The True Story of an Unholy Alliance between the FBI and the Irish Mob – was published detailing how Bulger was an FBI informant from 1975.
He was allowed to run his Boston gang in return for passing over information about the Italian Mafia in his home city of Boston.
But the extraordinary deal was made public when a retired FBI officer tipped off Bulger in 1994.
The scandal rocked America – and proved to be highly embarrassing for the FBI.
Not least because the violent Bulger – who was wanted for 19 murders – was at large.
One of his victims – Debra Davis – had been strangled by Bulger and had all her teeth were yanked out so she couldn't be identified.
A $1m (£662,000) reward was put on his head for information leading to his arrest.
Just as Bulger had benefited from a tip off 16 years earlier, his life on the run ended when a tipster told cops about his whereabouts.
He was found to be living with his mistress Catherine Greig in Santa Monica, California.
Inside his apartment, 30 guns were found, nearly a million dollars in cash, knives and ammunition was found in the walls.
Bulger was found guilty of 31 counts relating to the 19 murders, money laundering, extortion and more.
US District Judge Denise Casper told him – then aged 82 – during his trial: "The depravity of your crimes are almost unfathomable.
"Your crimes are made all the more heinous because they are all about money."
And now two years after his sentence, producers behind Black Mass and Depp will pray Bulger's story will make the cash tills ring.


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To view the item, click on the "View Price" button at the top right of the page. Or you can just click on the image.
Style:w/ 16-35 Kit | Product Packaging:Retail
Kit includes:
? 1) Canon EOS 6D Digital SLR Camera Body
? 2) Canon EF 16-35mm f/2.8 L II USM Zoom Lens
? 3) Canon 2400 Digital SLR Camera Case – Gadget Bag
? 4) Transcend 64GB SDXC 300x UHS-1 Class 10 Memory Card
? 5) Spare LP-E6 Battery for Canon
? 6) Zeikos BG-E13 Pro Series Multi-Power Battery Grip for Canon EOS 6D Digital SLR Camera
? 7) Precision Design RC-6 Wireless Shutter Release Remote Control for Canon Cameras
? 8) Vivitar 3-Piece Multi-Coated HD Filter Set (82mm UV/CPL/ND8)
? 9) Microfiber Cleaning Cloth
? 10) Additional Microfiber Cleaning Cloth
? 11) Additional Microfiber Cleaning Cloth
? 12) PD 6-Piece Cleaning Kit
? 13) PD HDMI to Mini-HDMI (C) Gold Audio/Video Cable (6′)
? 14) PD SD/SDHC & MicroSD HC Card Reader
? 15) PD 8 SD / 2 MicroSD Memory Card Case
? 16) PD LCD Screen Protectors
The Canon EOS 6D DSLR camera features a 20.2 Megapixel Full-Frame CMOS sensor, a wide ISO range of 100-25600, for incredible image quality even in low light, and a DIGIC 5+ Image Processor delivers enhanced noise reduction. 11-point AF including a high-precision center cross-type AF point with EV -3 sensitivity allows focusing in extreme low-light conditions. Additional features include: continuous shooting up to 4.5 fps, Full HD video with manual exposure control, built-in Wi-Fi, built-in GPS, 3.0-inch LCD Monitor, High Dynamic Range mode, weather-resistant construction, and more.
The Canon EF 16-35mm f/2.8L II USM is a high performance, water-resistant, and ultra wide-angle Canon L-series lens.
This Canon Brand Carrying Case will easily hold your camera with attached zoom lens, plus four lenses, a flash, and accessories.
Take pictures faster (up to 45MB/sec.) with this Transcend 64GB (SDXC) 300x UHS-1 Class 10 Memory Card.
KIT INCLUDES 16 PRODUCTS -- All BRAND NEW Items with all Manufacturer-supplied Accessories + Full USA Warranties: [1] Canon EOS 6D Digital SLR Camera Body + [2] Canon 16-35mm f/2.8 L II Lens + [3] Canon 2400 DSLR Camera Case + [4] Transcend 64GB SDXC 300x Card + [5] Spare LP-E6 Battery + [6] BG-E13 Battery Grip + [7] Precision Design RC-6 Remote + [8] 82mm (UV/CPL/ND8) Filters + [9] Microfiber Cleaning Cloth + [10] Additional Microfiber Cleaning Cloth + [11] Additional Microfiber Cleaning Cloth + [12] PD 6pc Complete Cleaning Kit + [13] PD HDMI to Mini-HDMI Cable + [14] PD SD/SDHC MicroSD Reader + [15] PD 8 SD Card Memory Card Case + [16] LCD Screen Protectors


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Faster to read a book than on an iPad, study finds
Reading on an iPad or Kindle is as much as 10.7% slower than reading a good, old-fashioned book, according to a study by Dr Jakob Nielson. But don't throw out your eReader just yet - the test group comprised only 24 members, which is way too small a number to produce conclusive results. Read more: PC World
Do Not Miss


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Courtesy of HOME Manchester, Mums & Dads magazine is delighted to offer a set of family tickets for the 10am performance on Saturday 24 January at Number One First Street, in Manchester city centre, of The Tongue Twister, part of HOME's annual Re:play Festival.
Written by Luke Walker, directed by Alyx Tole, and presented by Red Lolly, The Tongue Twister tells the story of Plug, who arrives in a new town to discover that rhyming is forbidden, and the punishment, from the feared and mythical Tongue Twister, is to be silenced forever. But when Plug is handed a magical red lolly by the mysterious sweet shop owner, he begins to rhyme – all of the time!
Suitable for everyone aged eight plus, The Tongue Twister is an ode to poetry, love, and imagination.
To win a set of family tickets (two adults, two children), worth £24, simply answer who is the main character in The Tongue Twister and send us your answer and details, and if your name is pulled out of the Mums & Dads Santa hat, the prize is yours!
Entries must arrive no later than 12noon on Monday 12 January. Extra children's tickets can be purchased for £5.
To find out more about the play, watch the trailer:


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Julia S.
Riverside, CA, 92507
Joined on August, 2014
Gender: Female
Average Rating:
Weekdays after 3PM
Weekends after 11AM
Weekends after 11AM
Lives Near:
Can Meet:
Up to 15 minutes away for no additional charge
EducationI am a 4th year (Senior) at the University of California, Riverside. I currently major in Ethnic Studies with a minor in Education. Currently my GPA is 3.00 cumulative and 3.54 in my major.
ExperienceThoughout high school I tutored Elementary, Middle School and some High school students. I also take pride in helping a student learn what is important and be able to apply it. In college, I did some tutoring as well.
I would like to be a tutor because it is a way to earn extra money. I also feel that it would give me great practice since I would like to be an educator upon acquiring my Bachelors degree as well as my teaching credentials.
HobbiesI have a 4 years old daughter, so I love to spend time with her. I love to read and I play various sports (Soccer, Volleyball, Track and Field ect.) When I am not in school or with my daughter I am pretty much always in my books.
Preferred Subjects
Basic Math (Elementary & Middle School), Algebra 1&2, English, Kindergarten - 8th Grade, Social Studies, Writing
Inquire about this tutor
The tutor will respond if they are available/interested.


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We are excited to welcome our Field Club guests back to Kroger Field this season. The Field Club features outdoor seating with premium sideline views, comfortable chair-back seating and access to a climate-controlled lounge. More information is available by contacting the K Fund.
Field Club Policy Manual
The Field Club Policy Manual is linked below. Please review this document prior to game day. It includes club policies, procedures and other helpful information.
Field Club Newsletter
For your convenience, the most recent issue of Wildcat Connection is linked below.


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A sea devil who's reckless at heart…
Captain Connor Merrick's thirst for danger has brought him fame and fortune as one of the most brazenly successful privateers of the War of 1812. But deep beneath his swagger, derring-do and charm, the handsome American captain is hiding a devastating secret, and he'll go to any lengths to protect it…
A beauty who gets more than she bargained for…
Rhiannon Evans has longed for an adventure - and a mysterious, dangerous man to sweep her off her feet. While en route to the tropical paradise of Barbados, she never dreams that her heart will be captured by the dashing American privateer who rescues her from bloodthirsty pirates. Only Rhiannon can see beneath Connor's reckless façade to the man beneath. But when tragedy strikes, can Rhiannon's love save Connor from himself? Or will the secret he guards so carefully, end up being the undoing of them both?
©2013 Danelle Harmon (P)2014 Danelle Harmon
"I longed for Wayne Farrell"
Narrator Erin Jones did a good job with her reading of Lord of the Sea. I was over half way into the book before I could get comfortable. You see, I had just finished two Danelle Harmon books narrated by Wayne Farrell who played the most sultry, sexy heroes ever. I fell in love with his voice. I quickly bought Lord of the Sea without even checking who recorded it.
"Fantasia Story!"
This was an amazing story that pulled at your heart strings. I was in love with the characters.
Very happy & sad.
"Tear jerker! But a great book."
Made me cry. Made me laugh. Very entertaining. Not the normal romance novel. Hoping that is not the end of the series.
As books 1-3 weren't yet available on Audible, and this story really appealed to me, I took a chance on listening to it first and I'm so glad I did. Yes, there were couples in it from previous books and the Hero from this book was probably mentioned in them, but there were a few heartbreaking chapters that, had I of previously listened to their story, then I would have been even more devastated and heartbroken than I was.
As you sail the seas in 1813 with the handsome, charismatic, dare-devil American Privateer Captain Connor you can't help but be swept away by his roguish charm and personality and when he can no longer keep his hands off Rhiannon a beautiful 18 yr old virgin there is a tender thoughtful side to him too. He, and his crew, plunder and loot the English ships that America is at War with but he's at war with himself too as he's haunted by his past and has secrets which he is desperate to keep hidden which makes him feel unworthy, restless and reckless.... but Rhiannon's strong unconditional love will bring him back from the brink of despair and save him from himself.
There's action, adventure, tension, humor, a sweet sweet romance, character growth between Connor and Rhiannon as their love for each other grows, a full cast of interesting and loveable characters including a very close knit family, there's a birth, a marriage but there's also pulse-pounding action and a gut-wrenching death or two so have a full box of tissues ready.
Worth a credit? You just can't fault the very descriptive well-written storyline which captivates you and draws you in and you can almost smell the sea, feel the sun and share in the anguish, joy, love, hopes, dreams, heartache, pain and sorrow as Connor and Rhiannon's journey to their HEA ending is anything but plain sailing. So YES a very enjoyable and creditworthy listen.
"I must be listening to a different book..."
Terrible, terrible, terrible narration. Why can't American narrators do credible English accents? This might have been a mediocre book with a decent narrator but her performance pushes it over into cheesy, over acted and melodramatic. When I read a review describing it as a 'tear jerker' I didn't expect to be bored to tears. Couldn't be the same book that was on my iPhone. Blechhhh!
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If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


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The Tomahawk AGK are a pair of 18" Animal Gauntlet gloves. These gloves offer great penetration resistance with good dexterity. Kevlar-lined elk hid hand and long Kevlar-lined sleeves. A perfect cat and bird glove and excellent for small mammals. Model AGK comes in sizes Small, Medium and Large.
|Target pests:
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|For use in:
|Residential and commercial, urban and rural areas, indoors or outdoors
|Special Features:
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|One Year Warranty against factory defects
|Shipping Weight:
|1.00 lbs
|Manufactured By:
|Tomahawk Live Trap (Mfg. Number: AGK)
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Jim Barbey Automotive
Review for Jim Barbey Automotive
Jack A. on 12/06/2012
"In and Out"
Came in for an oil change. Went to sit in your waiting area and before I could find the light in that room the car was finished.
Vehicle: Honda Civic
Service Date: 11/02/2012
Review Created: 12/06/2012 06:22 PM


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Your purchase price of the Deluxe Max Your Maternity Leave Package from this website includes a consultation by phone.
So you've crafted your maternity leave proposal and now it's time to present it. The problem? You're still anxious about asking for what you want.
To get specific strategic advice for your work situation, plus a dose of confidence to help you ask, request your 1-on-1 maternity leave consultation with me.
"Thank you so much. This is a wonderful service you provide." A recent (and typical) client comment.
This is an exclusive feature for Max Your Maternity Leave customers who purchased the PDF version from Work Options and who follow these steps:
- Complete the steps in your Max Your Maternity Leave guide first.
- Send the fully-completed form below.
My regular coaching clients pay $180 – $200 an hour, but as a pregnant professional, you get a subsidized session for up to 30 minutes. Let's talk soon.


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Mike's LP Gas and RV Service Center has proudly served the Twin Cities metro area for over 20 years. We are locally and family owned and pride ourselves on exceptional service and 100% customer satisfaction. We provide a complete line of sales, service and installation for RV's and campers and fill propane tanks and cylinders. Are services include: -RV/Camper Repair and Hard to Find Parts -Camper Appliance Repair -RV Dump Station -Propane Tanks, Cylinders, Hoses and Regulators -BBQ.. Grills and Parts Call or stop in today and see why our customers keep coming back again and again!VIEW MORE »VIEW LESS »
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Galerie Václava Špály
This gallery is located on Národní Avenue and is named after the Czech artist, graphic designer and illustrator Václav Špála, whose work is now considered to be among the most sough-after Czech modern art. The gallery's exhibition programme focuses primarily on living professional Czech artists of the middle generation who, through their painting and photography, and sculpture, are considered to be the leaders of the Czech fine art scene. Exhibitions of painting, photography and sculpture are rotated on a regular basis.
Galerie Václava Špály,
Národní 30,
Praha 1 - Nové Město, 110 00
Web: http://www.galerievaclavaspaly.cz, e-mail: firstname.lastname@example.com
tel.: +420224174704
- Arts & Entertainment
- gallery
Opening hours
January – December
- Whole week
- 11.00 – 19.00
Entrance fee


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Tuesday, 11 July 2017
Monday, 15 May 2017
Out Now!
Friday, 28 April 2017
Thursday, 9 February 2017
Publication Day!
Happy book birthday to With My Mummy!
Published by Macmillan Children's Books
Available online and in bookshops today x
Friday, 16 December 2016
New Book Coming Soon!
Excited about my new book advances :)
With My Mummy will be published on the 9th Feb.
Saturday, 26 November 2016
Monday, 3 October 2016
Thursday, 7 January 2016
Monday, 4 January 2016
Mimi's Magical Fairy Friends Series
Happy New Year everyone!
3 books from the Mimi's Magical Fairy Friends series are now available!
More to come this year :)
With a removable pop-up fairy and animal in each book, plus gorgeous glittery covers. It's the perfect series to collect!
Monday, 16 March 2015
Mimi's Magical Fairy Friends - Brand New Series!
Hi everyone,
I'm so excited to tell you about Mimi's brand new series of fairies and friendship!
The fabulous Macmillan Children's Books publish the first title, Catkin the Fairy Kitten, next week.
Each book has a removable pop-up fairy and animal, plus glittery covers.
Fairy introductions will be made here this week: https://www.facebook.com/callyjohnsonisaacsillustration
Tuesday, 24 February 2015
Friday, 13 February 2015
Tuesday, 3 February 2015
Please visit my Facebook illustration page for more regular updates :)
Tuesday, 11 November 2014
Wednesday, 5 November 2014
Thursday, 2 October 2014
Thursday, 18 September 2014
Thursday, 28 August 2014
Illustrators for Warchild
Hi everyone, an exciting illustration auction goes live today! Lots of brilliant artworks by children's book illustrators to choose from.
Please visit this page: http://illustratorsforwarchild.weebly.com/
This auction is to help raise money for https://www.facebook.com/warchilduk.
The auction date is Thursday 28th August 2014 - Sunday 7th September 2014.
More illustrators artwork will be added to the auction during this time- so do keep checking back.
Please bid on something you like to help raise money for War Child's vital humanitarian work.
Thank you x
Here are my contributions:
Friday, 30 May 2014
Tuesday, 13 November 2012
Elephantantrum Fun!
I was so excited to receive lots of fantastic illustrations from a very clever and talented class in Milan, I just had to share them with you all!
The children have been making their own mini Elephantantrum books! I'm extremely impressed with their work and so thrilled to know that they had fun with the book.
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- Tree Puncher
- Join Date: 8/20/2011
- Posts: 13
- Member Details
Can someone make a mod for me that replaces the new sounds with the old ones? I don't know about anyone else, but personally, I hate the new sounds. Their too squicky (squiky?), especially the doors and chests.


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sliding patio door screen door weatherstripping
A contractor from Illinois says:
April 2, 2014
I installed a sliding patio door for a customer 5 years ago and the weather stripping on the screen door has come off and is damaged and need to replace it. It is a self adhesive strip with a 1/4" base and a 7/16" long pile. I see you have a 7/16" x 7/16" pile weather stripping, but it doesn't say if it is self adhesive style or channel style. The screen has no channel so I need self adhesive. Can you help. Thank you.
Tom from SWISCO responded:
April 3, 2014
We only have one type of adhesive wool pile, and that is our 58-026. It's a little small, though. Do you think you could get it to work?


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In case Jim Whitehead doesn't know it - and his Monday comments to the Kiwanis Club of Augusta suggest strongly that he does not - the 10th Congressional District seat he's seeking includes both the Athens and Augusta areas.
Whitehead, who will face another Republican, Watkinsville physician Paul Broun, in a July 17 runoff, used his Monday speech as a thinly disguised attempt to frighten Augustans into voting for him. Whitehead suggested that if he doesn't go to Congress, the 10th District will be centered on Athens rather than Augusta, and hinted that if he's not elected, the Augusta-based Medical College of Georgia will be moved to the University of Georgia in Athens.
"I don't think you realize that the people in the middle of this state that are trying to win this seat will tell you up front - that we don't need somebody representing this area. We need somebody in the Athens-Clarke County area, so they can get things moved there. ... It's unbelievable the things they will go to and the things they will say just to try to get somebody in this position for Athens-Clarke County," Whitehead told the Kiwanians, his meaning crystal-clear in spite of the somewhat tortured syntax.
Of course, when he's campaigning in this part of the 10th District, Whitehead - a former UGA football player - is quick to profess his love for the state's flagship institution of higher education. Nonetheless, his obvious pandering to his Augusta audience this week revealed something important about him. He emerged from the June 19 general election with a commanding lead over Broun, claiming 43.5 percent of the vote to Broun's 20.7 percent. With that kind of lead, there's little doubt Whitehead will be the eventual victor in the contest. Yet instead of using his Monday appearance in Augusta to talk exclusively about substantive issues like the war in Iraq and illegal immigration, Whitehead opted to engage in divisive political maneuvering in a shameless attempt to get votes.
That's hardly the sort of statesmanlike behavior that's needed these days in Washington.
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Keywords: abstract, angel, blue, color, colorful, corporate, design, minimal, modern, orange, pastel, pink, print, shape.


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MOVIE SYNOPSIS [ General Audiences ] With the sole vision of its director Satish Motling, Sudipto Balav heads the cast of this movie of India, with script in Marathi (available with subtitles), whose presentation to the public was scheduled for 2014. You can watch Powder online on TV cable or theaters with original audio in Marathi at different dates. This film premiered in theaters in 2014.
Rating: 5 by 10 users./
Runtime: 100 minutes
Sudipto Balav, Rahul Gore, Gopal Hans, Siddharth Jadhav, Girija Joshi, Yatin Kadam, Chinmay Mandlekar, Abhishek Motling, Praful Samant, Sagar Satpute and Zuber Shaikh.
100-minute film (full movie) directed by Satish Motling.
The original audio of Powder has dialogues in or Marathi, it was produced in India.
It premiered in cinemas or television in 2014.
Screenplay written by Sachin Dharekar.
Satish Motling.
Sejal Shinde.
This film was produced and / or financed by Kshatriya Productions.
Composed by Chaitanya Adkar.
Everest Entertainment.
Without commercial breaks, the full movie Powder has a duration of 100 minutes; the official trailer can be watched in streaming on the Internet. You can watch this full movie free in English or Marathi in movie TV channels, renting the DVD or with VoD services (Video On Demand player, Hulu) and PPV (Pay Per View, Netflix).
See the page of this full movie, Powder in FULLTV Movies.


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Designs from these trendy booklets showcase the fashion forward and totally textural yarns by S. Charles Collezione.
Betty Barnden 350+ Knitting Tips, Techniques and Trade Secrets and Liz Gipson Handwoven Home are both similar books: special techniques category.
We provide endless possibilities for you including yarn, knitting gifts, needles, kits, sale yarn, free knitting patterns, and more! Jimmy Beans Wool is Your Local Yarn Store... Online!


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Richard Stallman in Thessaloniki
On June 1st, the founder of the open sourve movement and the Free Software Foundation, Richard Stallman, will be in Thessaloniki for a talk titled "Free Software in Ethics and in Practice". The talk will be given in the Science Center and Technology Museum "NOESIS", at the 6th klm Thessaloniki-Thermi, at 6pm.
We would also like to inform that mr. Stallman will also be speaking in Athens on the 28th of March, in the Fine Arts School at 6pm. The talk in Athens is titled "Intellectual Property Against the Community".
Richard Stallman is well-known in the open source communities, beginning in 1984 an endeavour to create an open operating system that anyone could use, modify and distribute freely. Thus began the GNU project, that would later (with the assistance of Linus Torvals) develop into the Linux Operating System.
Since the middle of the nineties, Stallman promotes the use of free software, goes against patents in software development and against the expansion of copyright laws in programming, lecturing around the world. For many, he is one of the most emblematic fugures of the open source movement.
Point Blank will be there! For more information contact the Association of Greek Users and Friends of FS/OSS, or via email at email@example.com.


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- About
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- Naviance
This course is designed for intermediate level students interested in the activities and games that can be played throughout life. Students will be expected to know the basic rules, strategies and knowledge of the activities. The activities and games covered in class will be, but not limited to, weight training, fitness, volleyball, badminton, speedminton, softball, frisbee games, table tennis. If you want to take this class both semesters, you must use the course number with an "F" and "S" at the end = PE129F, PE129S
3180 County Road 5
Erie, Colorado 80516
Phone: (303) 828-4213 | Fax: (720) 494-3873