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> Career Resources
> Interviews > Industry Updates > Banking / Finance > Retail Banking
The banking industry is getting ready for expansion as Hong Kong's economic rebound and the CEPA agreement bring new opportunities
With the continuing recovery of the local economy, Hong Kong's banking industry is undoubtedly set to be one of the major beneficiaries. The promising overall outlook should be further boosted by implementation of the Closer Economic Partnership Arrangement (CEPA) between Hong Kong and mainland China, which is designed to stimulate business and should result in more companies seeking bank loans.
Encouraging official figures show credit card charge-off (non-performing credit card loans disposed of by banks) dropped from 13.5 percent in the fourth quarter of 2002 to 8.2 percent in the same period of 2003 and the residential mortgage delinquency rate last year fell from May's 1.16 percent to 0.86 percent in December. Monthly bankruptcy petitions declined from 2,311 cases to 1,291 during the same period.
Paul Tang, chief economist of the Bank of East Asia, predicts banking business will expand this year with loan demand on the rise and loan default cases falling from double to single digits in percentage terms.
With sentiment improving, Mr Tang says, banks have become more aggressive in offering loan facilities. "In granting personal loans, for instance, banks find themselves facing less risk as they can now seek information about individual borrowers through the Personal Credit Bureau. Low interest rates have also prompted more applications for personal loans."
Betty Chan, CITIC Ka Wah Bank's head of corporate relations, adds that investment houses' positive forecast for GDP growth from four to seven percent in 2004 and the unemployment rate falling to the current 7.3 percent from last year's record 8.7 percent are viewed as positive economic indicators by the banking industry.
She says the implementation of CEPA has benefited local industries like tourism, retail, manufacturing and logistics. Turnover in these sectors has seen signs of improvement with more corporations now seeking financing for expansion. Demand has, therefore, been created for relationship managers in wholesale banking and financial planners providing wealth management services for high net worth individuals.
Endorsing these views, Mr Tang adds that: "The banking industry no longer sticks to traditional functions. Banks offer many financial products involving insurance, savings and bonds to cater to clients' needs - the trend towards diversity will continue. There is a need for people with excellent communication skills, relevant experience and knowledge to sell these products. Ideally, candidates should have a good grasp of finance and a thorough understanding of different bank products."
Local bankers still have a vital role to play in the mainland market, as Chinese banking does not yet measure up to international standards. Many Chinese state-owned corporations have thus opted to be listed in Hong Kong, an obvious vote of confidence for local financial prospects, according to Mr Tang.
In January 2004, Hong Kong banks were given the green light by mainland authorities to start offering limited RMB banking services. Mr Tang says local banks only act as a middleman in the new arrangement since the currency they handle is for settlements with the Bank of China and not for alternative investments. He believes local banks will need time to gain experience in these transactions and a further relaxation of the regulations to derive practical benefits from the services.
With CITIC Ka Wah Bank now applying to open a branch in Shanghai and establishing a presence in Shenzhen through its newly acquired China International Finance Company Limited (Shenzhen), Ms Chan predicts a demand for frontline bank managers with good financial knowledge of China to cope with future developments. Under the CEPA agreement, the assets' requirement for foreign banks planning to establish branches in China has been cut from US$20 billion to US$6 billion.
Fendi Tsang, CITIC Ka Wah Bank's head of human resources services, says they recruited 15 trainees last year from over 1,000 applications and plan further hiring in 2004. Such a practice is important for major banks as a means of finding new blood and fulfilling social responsibility, according to Ms Tsang.
CITIC Ka Wah Bank trainees start as either a relationship officer trainee dealing with corporate clients or a financial services trainee performing wealth management services for retail customers. They undergo four months' action-packed classroom and on-the-job training to equip themselves with comprehensive knowledge of regulations, banking operations and products. They also perform various market surveys and participate in bank-wide communication functions and other experimental learning to foster personal development.
"We have tailor-made programmes to cope with our business development," Ms Tsang explains. "We also have 'Buddies' to provide on-the-job training and personal support for new recruits, most of whom are university graduates with no work experience. Some, though, have already obtained relevant licences to prepare for entering the banking sector. With this programme, they appreciate and value the opportunity for practical training in the workplace.
"Our support won't cease even after the trainee has established a solid foundation. Coaching will continue to cater for their further enhancement in both technical and personal aspects in dealing with actual work issues to prepare them to render best-in-class services."
Ms Tsang points out that a successful banker must be ready to pursue life-long learning and study continuously to keep up with the new rules and regulations and latest market developments in the ever-changing banking industry.
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Worried about the swine flu? Madigan Army Medical Center just got a new shipment of vaccines.
Click below for details:
Madigan receives large shipment of H1N1 vaccine
Madigan Army Medical Center, Tacoma, Wash.– Madigan Army Healthcare System has received a large shipment of H1N1 influenza vaccinations, and is encouraging all non-uniformed Tricare beneficiaries to come to Madigan on Wednesday, Dec. 9, or Thursday, Dec. 10, from 7:30 a.m. to 4 p.m., to get vaccinated.
Before leaving your house, call the Madigan Flu Hotline at (253) 968-4744 to receive information on vaccine availability and avoid making an unnecessary trip. Please understand that vaccine availability is a nationwide problem. Therefore, Madigan will administer vaccines to those who are at highest risk.
Those who are eligible to receive H1N1 influenza vaccine include the following:
* Beneficiaries (spouses and dependants) age 24 and under, but older than six months of age. Those 24 and under are the most at-risk for contracting the H1N1 influenza virus.
* All pregnant beneficiaries.
* Any beneficiary (of any age) who lives with or provides care to someone six months old and younger (parents, siblings, and daycare providers).
* Any family member aged 25-64 with a medical condition that puts them at high risk for influenza-related complications (diabetes, heart disease, etc.).
* Any beneficiary that is employed as a health care provider or emergency services worker.
Madigan is currently out of injectable seasonal influenza vaccine as of Tuesday, Dec. 8. For the most up-to-date information regarding flu vaccinations, please call the Madigan Flu Hotline at (253) 968-4744.


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Wajah Tum Ho (2016) (New Source) DVDScr XviD 1CDRip
From the makers of Hate Story 2 & 3 Dec. 16, 2016 (India) 136 Min. N/A
Video trailer
People get entangled in a mystery when a murder is committed on live television.
(2016), [Xvid], 1CDRip, download movies free, Wahaj Tum Ho, DvdScr, Exclusive, hugefiles movies, mobile movies, movie streaming, Movies Direct links, multi links, New Source, openload movies, single link movies, single links, small size movies, uptobox movies, watch movies online, Watch Online, watch putlocker movies
Original title Wajah Tum Ho
IMDb Rating N/A N/A votes
TMDb Rating 10 1 votes


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(37 Months)
For the past month or so, we've been playing in the bath tub with our Bath Math (read all about it here). I knew when I saw this activity from Mrs. Karen's Preschool that we absolutely had to include this in our Dr. Seuss week. Plus with the kids newfound interest in glue sticks, this was sure to be an activity that they would enjoy.
I invited the kids over for an activity. We began by rereading Ten Apples on Top. Next, I provided them with the blue backing paper, a glue stick and a picture of themselves. Of course, they loved seeing the picture of themselves. We discussed why we needed to paste their heads on the bottom of the page, rather than the top. They applied the glue and I reminded them again to paste the picture at the bottom of the page.
Then we turned over our apples. I asked which number we begin with. They both shouted- ONE! Find the one. When they both found their 1, we flipped it over and applied glue. They looked back at the cover, and I asked where it should go. They pasted it right on top of their heads. I prompted what number came next, and then what do we do? But, I soon (at number three) found out that they didn't
need any prompting.
They kept recounting to make sure that they were choosing the right number and knew to apply the glue to the underside of the apple. It took so much longer to prepare for this activity than it did for them to complete it (not counting our shared reading with the book).
They were finished in under five minutes. We hung the pictures in our kitchen, and Wild One already came up to it and started counting again. Success! Thank you Mrs. Karen for a quick and easy project to prepare, and one that my kiddos enjoyed tremendously.


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Query: how do you get tweeter adhere to off your twitter account?
okay, now, all my buddies informed me about this "twitter chain" that permits you to get more FOLLOWERS "400" per day as it advertises,
so im like "cool, ill give it a attempt."
come to find out three hrs later i have 21 more people that i was FOLLOWING.
i have completed almost everything, i have changed the password, the e-mail, the user name, every little thing! it doesn't seem like ive stoped them .
can anyone assist me?
Best solution:
Solution by Christopher
*sigh* It is a story I hear all to frequently . However the only point to do is to delete your twitter account and start over. What on earth would you do with 400 random folks a day anyway? Listen to all there bot dribble? Come on now if you are going to use twitter you have to learn to use it effectively.
I will take 100 followers verses 400k untargeted any day. As untargeted followers have no benefit what so ever. Are you trying to make income from your account? I make about 200 a day from my twitter account and all the followers are extremely targeted.
I advise you check this ebook out http://www.twitleadermarketing.com/ It is only 10.00 so it is not going to break the bank or something. Hope this helps.
how to get twitter followers
Add your very own personal answer below


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Three teenage props from Leeds Carnegie got to go head-to-head with England's pack this week.
Seventeen-year-olds Lewis Boyce, Jack Walker and Paul Hill, 18, all joined England's Six Nations front-row at a training session at St George's Park, Burton, on Wednesday.
The three youngsters trained with the starting XV from the France and Scotland games against Loughborough University, focussing on attack and defence for next week's fixture against Ireland at Twickenham.
Hill and Walker have both represented England in their Under-20s Six Nations, and the three of them earned praise from forwards coach Graham Rowntree.
"All three players have been developing well and this was a good opportunity for them to spend some time around the senior players and learn from that experience," he said.
"All three are a credit to the work that is going on up at Leeds in the academy, and I am sure it will benefit Jack and Paul especially as they continue their involvement with the England Under-20s squad in their Six Nations."
Leeds's head coach James Lowes has made five changes for the first-team's appointment with Moseley tomorrow in the Greene King IPA Championship.
All five changes come in the pack with a new-look front-row in Ben Harris, Phil Nilsen and Damien Tussac. The latter starts his first game since suffering a compound fracture to his foot in the clash with London Welsh back in November. Mike Myerscough replaces Nathan Hannay while David Sisi starts his first game.
Doncaster look to stretch their lead at the topo of National One when they visit Tynedale, a side they thrashed 55-3 at Castle Park earlier in the season.
Director of rugby Clive Griffiths said: "Tynedale are unrecognisable from where they were.
"We know it's going to be a dogfight and that we must keep up our winning trend."


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There's a new item in my Etsy shop! Here's how it evolved . . .
While on our trip to my oil painting workshop in Kentucky, I vowed to do a little something every day in my watercolor journal. I knew if I didn't write it down (or draw it, as the case may be), a lot of the trip's memories would be lost. So I did one or two pages in my journal every evening of our trip. A couple of those pages involved the drawing of houses - the B&B in Versailles, KY, and our own home. After posting those drawings on Facebook and this blog, several friends suggested that I add "home portraits" to my Etsy shop.
I hope you'll check it out. I think it's very reasonably priced and a great, personalized gift for a new homeowner, or as a lasting memory of your childhood or current home. I've tweaked it a bit since I first posted it on my Facebook page, altering the sizes just a bit to accommodate a mat with each drawing. When your home portrait arrives, it will be matted and ready to slip into a standard size frame. All you need to do it take a few photos and send them to me via my Etsy shop, and iPhone photos are just fine. I give photographing suggestions on the listing page in Etsy.
You can check it out here.


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Google Play Music Desktop Player
Run Google Play Music as a standalone desktop app. Never again will you have to hunt through your tabs to pause your music, or stop listening to your favourite song because Chrome is guzzling up all your RAM. hot
Spotify does not officially support Linux at the moment. However, they have developed a preview build of Spotify for Linux, which works well. As its a preview release, this version is still unsupported. Read more hot
Volumio is a headless audiophile music player, designed to play music with the highest possible fidelity. Volumio runs on most embedded devices (Raspberry Pi, UDOO, Odroid, Cubieboard, Beaglebone...) and on any ordinary PC (x86). Read more hot
AlsaPlayer is a type of PCM player. It is heavily multi-threaded and tries to excercise the ALSA library and driver quite a bit. It has some very interesting features unique to Linux/Unix players. The goal is to create a fully pluggable framework for playback of all sorts of media with the focus on PCM audio data.
Harmony is a sleek music player for Spotify, SoundCloud, Google Play Music and your local files. It is no longer open source software.
Jam is a Google Play tool which features a simplistic appearance and written in the Go.
museeks is a simple, clean and cross-platform music player.
Soundnode App
Soundnode App is an Open-Source project to support Soundcloud for desktop Mac, Windows, and Linux.
It's built with NW.js, Node.js, Angular.js, and uses the Soundcloud API.
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A: T20, T10 and several extra parameters will be available from version 11.
The reverberation Time T30 and EDT was selected from the beginning as these two reverberation times is enough to know the room acoustics. However, T20 and T30 are both calculated in the Global Estimate. and from version 11 it will be possible to calculate T20 and many other acoustical parameters in point responses as well.
Reverberation time, (T30) is derived from -5 to -35 dB of the backwards Integrated energy curve according to FDIS 3382-1[6]
See below how you can analyze the decay curves from a point response in the Auditorium or Combined edition. The point response shows all curves in the 8 octave bands, to investigate decays curves in a single octave band further press A. By zooming in on the backwards integrated energy curve (E, Integrated) you can analyze different steps of the decay e.g. to see how calculations of reverberation time based on different intervals of the decay curve give different results.
A user account means that you will receive ODEON newsletters 2-4 times a year. You can at any time unsubscribe your account again, and your contact information is kept confidential within Odeon A/S.


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Over the past 7 (and a bit) years as a mum, I have tried a fair few bottles with my babies, who were all breastfed to start with.
With Crevette (now 7), having the odd bottle of expressed breastmilk with his dad was fine from about 6 weeks of age, as long as I was nowhere to be seen. He was quite happy with the standard Avent and Tommee Tippee bottles my sister-in-law had passed on.
Beanie (now 5) took her first bottle of expressed breastmilk when she was 2 weeks old and she was really happy to go from breast to bottle, no matter what shape or size the bottle was. The only trouble was she had colic and bottles made it worse.
Jumpy (now 3) was a complete 'bottle-refuser' if there is such a thing. I would bring a bottle near her and she would wince, scream, spit… I tried every single bottle I could lay my hands on. We later found out that she was allergic to milk protein, and although she was happy to drink milk from the breast, she would not go near a bottle. When she was prescribed hypoallergenic formula, she would only have it in a Tommee Tippee beaker. I think she associated bottles with bad tummy aches and generally feeling unwell.
With Wriggly (20 months), time flew by so quickly (youngest of four!) she was a few months old when I even considered a bottle, and by that time, she knew what she liked, and let me tell you: it was not a bottle (link to previous Munchkin post)! I had to try a myriad of bottles before she settled on her Munchkin Latch.
I think the main thing that made the difference for her was the teat. Its size, flexibility and natural movement made it a lot more like the breast and that is definitely what made her adopt her when she had rejected rounder teats or slimmer ones.
I had a bit of fun yesterday digging out all the bottles I still had around and comparing them, chatting about what is good and not so good about each of them. If I might say so, it is worth watching, even if it is only to count how many times I said the word "cute" or to see me pretend drinking out of a bottle (oh dear, I do repeat myself a lot!).
So how do you choose the perfect bottle for your baby? At the end of the day, your baby will be the one making the decision, but there are a few factors to consider when choosing a bottle:
- Is it practical, easy to fill, wash?
- Does it sit right in your hand when you hold it?
- How good is it when you are out and about?
- Do you like its design?
- What sort of teat does it take? Are you after a round shape? A flat top? One that mimics the breast?
What do you think makes a good bottle?
You could win a LATCH™ Electric Steriliser Kit, worth £60.
How to enter the giveaway:
Check the instructions in the form below. You can pick and choose a range of ways in which to enter. The only one you must click on to get into the draw is the one asking you to leave a blog post comment. You must also leave a comment telling us what you think makes a good bottle for your entry to be valid.
Entries are open until 23.59 p.m. GMT time on 14 June 2016. Good luck!
– This is a sponsored post.
– The prize will be supplied directly by Munchkin UK.
– The giveaway is open to UK residents over 18.
– All opinions and photographs (other than the prize) are my own.
I have listed this giveaway on ThePrizeFinder, SuperLucky, Competition Database and Loquax.
This content has been Digiproved


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This is part 3, the final portion, of my series on the new diagnostic criteria for Marfan syndrome. Here you can access the portions on the rationale for the revised criteria and the actual new criteria. Today's post is on the criteria for related disorders. The National Marfan Foundation has put together information on the new criteria. And as a reminder: I am not a doctor, I'm just trying to translate the scientific jargon into an easier to understand format. Any specific questions you have about the new criteria can be directed to Amy Kaplan, RN, at the NMF: email@example.com or your doctor.
While I think we can all agree that not enough doctors know about Marfan syndrome and even fewer understand it well, but the fact is that even fewer still know about related disorders. And so, there are many times when doctors observe a few symptoms of Marfan and diagnose it without considering alternative diagnoses, some of which are very new to the field (like Loeys-Dietz syndrome, discovered in 2005). If you recognize any of these symptoms in yourself, talk to your doctor about it. And do not ever take the line "it can't be _____, that's too rare" as a reason to not get evaluated. Rare as something may be, people still have it or the diagnosis wouldn't exist.
Terminology is explained in the 2nd article.
MASS: The patient needs a z-score below 2, no ectopia lentis (dislocated lenses), a systemic score of at least 5 and a skeletal feature. If FBN1 testing has been done and is positive then the patient's aorta should still be monitored (every 2-3 years if they are an adult). Researchers don't know how often MASS patients develop into Marfan patients.
Mitral Valve Prolapse syndrome: The patient must have a systemic score of LESS than 5, no aortic enlargement, and no ectopia lentis. Positive symptoms can include pectus excavatum, scoliosis, scoliosis, and mild arachnodactyly (long fingers).
Loeys-Dietz syndrome: The mutation for LDS can be found on TGFB1 or TGFB2. Symptoms that differ from Marfan and are an important part of diagnosis include: hypertelorism (widely spaced eyes), cleft palate, split uvula, arterial tortuosity (twisted arteries), and aortic aneurysm/dissection. Other symptoms that appear, also not associated with Marfan, are: craniosynostosis, chiari malformation, clubfoot, congenital heart disease, cervical spine instability, easy bruising, dystrophic scarring, and skin you can easily see through. An accurate diagnosis of LDS is very important because unlike Marfan, people with LDS can develop aneurysm anywhere in their arteries (Marfan causes aneurysms in the aorta) and they dissect much earlier than do people with Marfan. Uterine rupture has also been observed. But, just like many connective tissue disorders, LDS is still highly variable. Not everyone will have the pronounced facial features, for example. Those who have a TGFB mutation but don't meet the clinical criteria may get the diagnosis of LDS2 so that they still receive earlier aortic care.
Bicuspid Aortic Valve: Besides having a BAV, some patients may have a chest deformity or scoliosis. A few have an aneurysm in the ascending aorta or other heart disease. BAV does not cause ectopia lentis or systemic score features outside of the two listed above. Some mutations have been shown in NOTCH1 and KCNJ2.
Familial Thoracic Aortic Aneurysm and Dissection syndrome: If I understand correctly this isn't one disorder but the name for a few disorders that are similar in that they cause thoracic aneurysms. A lot of research still needs to be done to identify more outward features. Mutations have been identified in FBN1, TGFB1, TGFB2, MYH11, and ACTA2. ACTA2 (which my former nurse practitioner helped discover! I'm so proud!) mutations make up 16% of FTAADS patients and can cause: iris flocculi (a kind of eye tumor?), livedo reticularis (mottled veins), brain aneurysms (causing strokes or Moyamoya disease), BVA, PDA, or premature coronary artery disease.
Ehlers-Danlos syndrome, vascular type: Patients with v-eDS can have easy bruising, skin you can easily see through, dystrophic scarring, and intestinal or uterine rupture. It causes rupture of arteries but not necessarily the aorta. Patients with v-EDS need a more complete monitoring then; half of aneurysms occur in the thoracic abdominal area but they can also occur in the head, neck, and limbs. Genetic testing has identified mutations in COL3A1.
Ehlers-Danlos syndrome, kyphoscoliotic type: Patients have kyphoscoliosis, loose joints, muscle hypotonia (low muscle tone), and a risk for aortic dissection/dissection of medium-sized arteries. k-EDS is recessive and the mutation is in PLOD1.
Ehlers-Danlos syndrome, cardiac valvular subtype: This kind of combines the severe cardiac issues of v-EDS with the symptoms of classical-EDS (which weren't addressed in this paper). The mutation of cvs-EDS is found in COL1A2 (a "complete deficiency" of it).
Arterial Tortuosity syndrome: Patients with ATS have very twisted arteries, aortic stenosis (the aortic valve doesn't open fully), an aneurysms in the aorta and medium sized arteries. There are other skeletal and skin features as well (the paper does not go into more detail on these). ATS is rare and recessive. Some patients die in infancy but others live into adulthood. The mutation is in SLC2A10.
Ectopia Lentis syndrome: This has already been described in Thursday's post to an extent. Because aortic aneurysms sometimes occur in ELS patients later on (such as can happen with MASS), a person can not be formally diagnosed with ELS until they are 20 years old. Dominant forms of ELS are caused by FBN1 mutations and recessive forms are caused by mutations in LTBP2 and ASAMTSL4. If the ELS patient has an FBN1 mutation they should receive aortic monitoring for the entire lives.
Weill-Marchesani syndrome: Patients with WMS have lens dislocation but also microspherophakia ("small, rounded and thickened crystalline lens") and "a shallow anterior eye chamber." They are also short in stature with stiff joints and brachydactyly (short fingers and toes). So, their physical features are the opposite of Marfan in several key ways. WMS can be dominant or recessive and mutations are in FBN1 or ASAMTS10.
Homocystinuria: Patients have mental retardation and thrombosis (blood clots) as well as lenses that dislocate in a downward fashion.
Stickler syndrome: Many of the skeletal features of Marfan overlap with Stickler, except that Stickler patients can also have cleft palate, hearing loss, and epiphsial changes to the bone (I don't understand what this means, sorry). Eye characteristics that can overlap with Marfan are retinal detachment, myopia (nearsightedness), and early glaucoma. Stickler patients to not usually have lens detachment.
Shprintzen-Goldberg syndrome: Symptoms include: pectus (chest) deformities, scoliosis, arachnodactyly (long fingers), facial/cranial issues (widely spaced eyes, high arch palate, low set ears, jaw problems, etc.), and developmental delay (most SGS patients have developmental delay). Vascular disease is uncommon.
Congenital Constractural Arachnodactyly: This is also referred to as Beals syndrome. Patients have many outward Marfan features. Distinctive features of CCA/Beals include crumbled ears, contractures of knees/ankles at birth, camptodactyly (fingers that can't completely straighten, particularly in the pinky finger). Kyphosis or scoliosis can also be found. CCA/Beals does not carry a risk for aortic dissection. It's caused by mutations in FBN2.
I was surprised that Classical Ehlers-Danlos and Hypermobile Ehlers-Danlos were not included in the paper. Although neither carry aortic complications, their skeletal features and flexibility do overlap with Marfan syndrome.
Naturally, I couldn't cover everything from the paper in my write-ups; there's just too much information (like a section on management guidelines for MFS patients). I may do posts on those sections at a later time. If you'd like the full text of the article I can email you a copy; my contact information is at the top of the page.
I'd also like to add that it's vital that we as patients help spread the word about these changes. I suggest bringing a copy of the NMF website or the paper itself to your doctors at your next appointment, particularly if you have concerns about your diagnosis status.
And again: The opinions offered at Musings of a Marfan Mom are for informational purposes only and are not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of a qualified healthcare provider with any questions you may have regarding Marfan syndrome and any medical condition. Never disregard professional medical advice or delay in seeking care because of something you have read here.
Loeys, Bart L., Dietz, Harry C., Braverman, Alan C., Callewaert, Bert L., Backer, Julie De, Devereux, Richard B., et. al. (2010). The revised Ghent nosology for the Marfan syndrome. Journal of Medical Genetics, 47:485-495.


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Telephone: 0141 334 0055.
At the Nancy Smillie Jewellery Studio you'll find an amazing range of designer jewellery. Whether you're looking for something elegant or delightfully quirky the choice is amazing with bangles, earrings, pendants, brooches and sharp accessories to suit every taste. You'll also love the new line in women's clothes including, lovely cashmere wraps and cosy zip up coats.
From gorgeous hand crafted jewellery and bold, beautiful textiles to contemporary designer gifts, you'll find the perfect gift for everyone.
Drop by and browse the selection including Tezer's bright silver pendants, earrings and bracelets also the intricate Israeli jewellery from Talmakeshet with gorgeous and glamorous brooches, rings, necklets and earrings - tailormade for special events. Also Michael Michaud's imaginative designs, vivid Fair Trade jewellery and unique designs by Genna Miller, resident jeweller.
New ranges can always be found at the studio and you will also recognise some firm favourites from popular ranges at the Nancy Smillie Shop
As having a beautiful range of jewellery available to buy, Genna Miller can also create special commissions for customers in her jewellery workshop at the back of the shop. Out front you will find an extensive range of bracelets, brooches, bangles, pendants, necklets and earrings as well as a wonderful range of colourful and stylish accessories:
You will find designer jewellery for all occasions with an abundance of choice: silver, copper, many coloured semi-precious stones and also less expensive quirky, colourful and stylish jewellery. There are some spectacular Murano glass pendants and earrings with a distinctive heart shape. You will also find a great selection of accessories.
Brightly coloured felt jewellery immediately catches the eye. The beautiful 'All Fired Up' range is made of handmade fired copper and semi-precious stones to create lovely designs combining leaves and hearts.
Genna Miller's baby jewellery makes the perfect gift for a new baby girl and you'll love the many new ranges, which have been introduced at the studio. You will also recognise some firm favourites from popular ranges at the Nancy Smillie shop. These include Tezer's bright silver pendants, earrings and bracelets also the intricate Israeli jewellery from Talmakeshet with gorgeous and glamorous brooches, rings, necklets and earrings - tailormade for special events. Also Michael Michaud's imaginative designs and the very different Mas Tagua.
Many of the ranges are exclusive to Nancy Smillie, the sole outlet in Glasgow, so if you are looking for a special gift you can be sure of finding something very different. Whether you are searching for a present for someone else or looking to indulge yourself a little, you will enjoy browsing in the shop.
Alongside the wonderful selection of jewellery there are all sorts of little knick knacks and a range of exciting accessories including fabulous bags, colourful scarves and purses. Exquisite pieces of furniture have been thrown in for good measure.
Every five pence plastic bag purchase is donated to Scottish Huntington's Association
Buy cards especially deisigned by Nancy Smillie
The location is very convenient for transport on Great Western Road and only a few minutes walk from Kelvinbridge Underground. There are lots of other attractive shops in the vicinity and some super bistros and restaurants nearby.
Nancy Smillie Jewellery Studio
425 Great Western Road
(Nr Kelvinbridge Underground - turn left on Great Western Road) - alight buses at Park Road. G4 9JA
Telephone:0141 334 0055
Also visit: The Nancy Smillie Shop, gifts, home accessories and furniture,
53 Cresswell Lane, G12
Nancy Smillie Jewellery Studio.
Paul McCusker | Mon Oct 17 2011


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You can find all kinds of information about investing. Indeed, if you attempted to read everything, it would take tons of time, and you'd remember very little. What do you need to learn about investing? Keep reading to find out.
Before leaping in, watch the market closely. Before you make your initial investment, it's a good idea to study the stock market for as long as possible. The best way is to monitor it for about three years or so. This way, you will have a better idea of exactly how the market works, and will have more chance of actually making money.
When shopping for a broker, whether an online discount broker or a full service broker, pay special attention to all the fees that you can incur. Look for exiting as well as entry fees. These may add up quickly over time.
One account you should have, is a high bearing account containing at least six months' salary. With this safety net in place, you can meet mortgage expenses and pay other bills until the matters are improved.
If you want to assemble a good portfolio that will provide reliable, long-term yields, choose the strongest performing companies from several different industries. The market will grow on average, but not all sectors will do well. By having different positions through different sectors, you could capitalize on industries that grow drastically in order to grow your portfolio. If you re-balance your position on a continuous basis, your losses in the industries that are not growing or are losing ground is minimized. Furthermore, you can hold your position to prepare for the spurt of growth.
Think of stocks as you owning part of a company. Take time to analyze financial statements and evaluate the weaknesses and strengths of the business to asses your stock's value. This will ensure that you consider each trade carefully before making any moves.
Try and get stocks that will net better than 10% annually, otherwise, simpler index funds will outperform you. To figure the potential stock return, add the dividend yield to the growth rate of projected earnings. For example, if the stock yields an 11% return and 1% dividends yearly it yields a total return of 12%.
Don't try to make money too fast and your patience will pay off. History has shown that people who do best in the stock market are steadily investing equal amounts of money over a period of time. Just determine what percentage of your income you can invest. Then, begin investing on a regular basis and stick to it.
If you are a novice at the stock market, it is wise to start out using a cash account instead of a marginal account. Cash accounts aren't as risky because you can control the amount that you lose. Usually, these accounts are desired for learning useful information about the stock market.
Research a company before buying stock in it. People will hear about a company on the news and just throw their money into it. When the company turns out to be unsuccessful there are substantial losses.
Develop a great strategy for investing, and stick with that strategy. Maybe you aim to find businesses that always have high profits, or maybe you'd prefer to deal with businesses that work with a larger amount of cash. The smart investor has a well-developed strategy, and you can create one that is right for your goals.
When you start out, stick with known companies. Choose companies which are well-known to build your portfolio if you're just beginning to invest. You can then branch out a little, choosing stocks from midsize or small companies. Smaller companies may grow quickly, but these investments are more risky.
Try investing in dividend-paying stocks. Regular dividend payments can help offset your losses if the price of the stock falls or fluctuates. And if the price rises, then the dividends make for an added special bonus on your bottom line. They may also be a periodic source of income.
So that is all scam system ProfitWithOurSites exposed there is to it, investing made simple. You now have the basic information about why you should invest and how to do it. It is hard for young people to plan farther ahead than the next week, but you do need to consider the rest of your life. Because you now have some great knowledge, you need to utilize it in order to remain in control of your finances.


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1Heat chocolate, sour cream, half-and-half and coffee in heavy 2-quart saucepan over low heat, stirring constantly, until chocolate is melted and mixture is smooth; remove from heat.
2Pour chocolate mixture into fondue or chafing dish to keep warm. Spear fruit and cake with fondue forks; dip and swirl in fondue with stirring motion. If mixture becomes too thick, stir in small amount of half-and-half.


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JNU to get 200 solar powered street lights
New Delhi, Oct 18 (IANS) Moving ahead in its bid to go green, Jawaharlal Nehru University (JNU) has decided to put up 200 solar powered street lights inside its campus, the university's Vice-Chancellor (VC) announced on Tuesday.
"Ministry of New and Renewable Energy (MNRE) has agreed to sanction 200 solar street lights to be installed in JNU. Thanks to Shri Upendra Tripathy," VC, JNU, M. Jagadesh said in a tweet.
The solar street lights initiative has received aid from the MNRE and is in step with JNU's stated desire to cut down on its carbon emission.
"We have funded 30 per cent of the project and the rest is done by the university," G Prasad, a scientist at MNRE told IANS.
"We have also helped other universities as well in installing solar propelled units, for example IIM- Shillong, and NIT-Agartala. In case of these universities we had covered 90 per cent of the costs involved," Prasad added.


text:
Cement producer looks to move into RDF production
Major cement producer Cemex and a new power company have each applied to build a plant to produce refuse-derived fuel from municipal and commercial waste.
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These are the stories of a gardener and her adventures in and sometimes out of her eclectic and eccentric garden in a suburb of Houston, Texas.
Tuesday, July 20, 2010
I Miss Buffalo ...
9 comments:
- meemsnyc said...
If only every city were garden lovers!
- July 20, 2010 at 10:33 PM
- ledgeandgardens said...
You look great in turquoise. I miss the group and the gardens. Love your 'walk through the garden gate' post.
- July 21, 2010 at 6:47 AM
- Commonweeder said...
I'm beginning to feel like Buffalo was just a lovely dream - except that I have carried so much from that dream into my waking life.
- July 21, 2010 at 7:29 AM
- Elizabeth Barrow said...
I wish we had those front yard gardens too. I think we could, particularly in neighborhoods unencumbered by wacko deed restrictions. I lived for a time in the Kansas City area and there were neighborhoods like that there. Austin. Omaha. Do you think there's something wrong with Houston? I don't get it.
- July 21, 2010 at 7:53 AM
- Rose said...
Wouldn't it be wonderful if every town had gardens like this? I think all of you who attended Buffa10 are spreading the word, Cindy, and one day we might see more of this.
By the way, I love the new paths in your own garden, Cindy; it looks like such an inviting place to take a walk, too.
- July 21, 2010 at 8:00 AM
- Helen @ Gardening With Confidence said...
Lovely, just lovely! H.
- July 21, 2010 at 11:45 AM
- Helen @ Gardening With Confidence said...
Hey MCOK,
I just wanted you to know I added your blog to the soon to be launched North Carolina Nursery and Landscape Association blog roll for NC Blogs!
I also wanted to make sure you received my new link for Gardening With Confidence's blog
I hope you are doing well!
- July 21, 2010 at 11:46 AM
- Jean said...
I missed that turquoise house somehow. Yes, I wished I lived in an area like that. As Pat said, it seems like a dream!
- July 21, 2010 at 4:55 PM
- Dee/reddirtramblings said...
I missed that sense of community too when I returned home. Out here in the country, I'm almost the only one who gardens, and people rarely stop by. I know exactly what you mean.~~Dee
- July 22, 2010 at 8:01 AM


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text: I pretty reasonable size job coming up for a clean up and trimming etc etc... and etc. He also wants to redefine the edges that have been ignored for years on ALL the beds... He wants the natural look. He has about 8-10 beds measuring approx. 1600sf in total bed area... all different shapes/sizes and a few long straight lines for 40 plus feet. Should I use a regular edge strick trimmer or rent a large unit for this one?? Will the stick edger do the job correctly and efficiently?


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The Schusterman Center brown bag lecture series presents Jewish Poetry of Witness in the 20th Century. The talk will be in the Heritage Room in the Oklahoma Memorial Union. Please bring your lunch. We will provide cookies, coffee, and tea.
The University of Oklahoma, 660 Parrington Oval, Norman, OK 73019-0390 (405) 325-0311.
Copyright © 2017 Department of History | The University of Oklahoma. All Rights Reserved.


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New member elected to Kanawha County School Board
A Dunbar, WV road closure is effecting school bus routes beginning Monday, April 21
Two incumbents and one newcomer have been elected to the Kanawha County Board of Education.
Attorney Ryan White received 23% of the vote, joining incumbents Becky Jordan and Board President Pete Thaw with the most votes.
Seven candidates were vying for three spots.
Republican Calvin McKinney finished fourth, with 14% of the vote. Vic Sprouse was next with 13%. Tracy White finished with 11% of the vote, while Democrat Curtis Robinson received 4%.
Kanawha County has 17,000 students and operates on a $235 million dollar budget.
Back to Home
© Copyright 2000 - 2017 WorldNow and WOWK


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Desiree Hartsock Pregnant: "Bachelorette" Expecting First Child With Chris Siegfried
Desiree Hartsock is pregnant! The former star of "The Bachelorette" is expecting her first child with Chris Siegfried.
As Gossip Cop reported at the time, Hartsock accepted Siegfried's proposal on the season 9 finale in 2013. They went on to wed in January of 2015. And unlike most couples from the "Bachelor" reality franchise, they've managed to stay together.
Now Hartsock and Siegfried are set to become parents. The couple actually found out the news on Valentine's Day, during an anniversary trip to Hawaii. The reality star tells Us Weekly, "I kinda knew, like, 'You know something, I think I'm pregnant.'" A pregnancy test confirmed it right then and there.
Hartsock is currently 13 weeks along, and while she has a small bump right now, the one-time Bachelorette admits, "I can't wait til I'm rounder." And she's not the only "Bachelor" or "Bachelorette" star with a baby on board. As Gossip Cop has reported, season 6 Bachelorette Ali Fedotowsky is currently pregnant with her first baby.
And Sean Lowe, who rejected Hartsock on season 17 of "The Bachelor," is expecting with wife Catherine Lowe. They'll all join other "Bachelor Nation" couples who are parents, such as Trista and Ryan Sutter ("Bachelorette") and Jason and Molly Mesnick ("Bachelor"). Congrats to Hartsock and Siegfried for joining the list!


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Phone: (289) 320-8250
1238 Dominion Road
Fort Erie, Ontario, L2A 1H7
Video Inspection Wifi SystemThis wifi video inspection system is ideal to make high-quality video inspections of hard-to reach or hard-to-see areas or equipment. It can display, capture, store and play back video clips and still images observed with the 2? borescope. The system is compatible with iPhone, iPad, iPad Air, iPad Mini, iPad Touch or Android devices.


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- About Us
- Support NCHFH
- Homeowner Services
- ReStore
- Volunteer
|Newnan-Coweta Habitat for Humanity, Inc. offers a wide range of volunteer opportunities for individuals and groups ages 16 and older. To learn more about our current volunteer opportunities, call our Community Outreach Coordinator, Eric Miller at (770) 252-9049 or email email@example.com.
If you are calling NCHFH outside of our normal operating hours of Monday through Friday from 9 am to 5 pm, you can express your volunteer interest by completing the volunteer interest form below.
Individuals can also register to receive NCHFH's monthly volunteer e-newsletter by signing up here.
|ReStore volunteer opportunities are available Wednesday through Saturday. from 9 am to 5 pm. We are always in need of extra helping hands for customer service, furniture pick-up, cleaning and processing in donations, repairs, and much more! No experience necessary!
Volunteer opportunities include:


text: hey all. i just purchased the streak from the dell website. since im in the US. my streak will still come with the 1.6 OS right? or is it 2.1? sorry i know i should have done more research but if any of yall wanna gimme some insight and feedback regarding what you like and dont like about the phone that would be awesome. cheers yall!


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The Takamine EG260C Cutaway Acoustic Electric Guitar is an ideal instrument for vocal accompaniment.
The EG260C features a spruce top in an extremely comfortable FXC cutaway body style. Nato back and sides complement the guitar in its totality. Plus the TP4T 3-Band EQ preamp gives incredible tone control.
The G Series offers more sizes, colors, woods than in any other family f models that we offer. Made to Takamine's strict specifications, G Series instruments represent exceptionally good value. This Series includes several classic guitars that offer impressive performance at a very affordable price and feature an easy to use TP4T preamp featuring a 3 Band Graphic EQ.
Takamine EG260C Cutaway Acoustic Electric Guitar Specifications:
What started as a simple string and pedal sales catalog has grown exponentially over the past thirty years. The early days were a time where catalogs didn't have much of a presence in the industry, but what began as a college dorm room operation grew rapidly. In 1986 we moved to a full product offering and 64-page catalog, which over the years has grown to 162 pages. Join the AMS family and get your free catalog now!
Copyright © 1996-2017 American Musical Supply, Inc. All rights reserved. American Musical Supply reserves the right to correct pricing and/or product specifications in the event of typographical errors found in our print catalog or on our website. If a product is listed at an incorrect price due to such errors or because of inaccurate information received from a supplier, American Musical Supply shall have the right to refuse or cancel any orders placed, whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, American Musical Supply will issue a credit to your credit card account in the amount of the charge.


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Staff Announcement: Thank You Axl T. Ernst
Artist-Run Centres & Collectives of Ontario is sad to announce that Axl T. Ernst will be leaving her position as ARCCO Membership Coordinator. ARCCO would like to thank Axl for her years of service to Ontario's artist-run centre community. Jewell and the Board wish her all the best in her future endeavours!


text: I posted about how I am planning on shooting one gun for a while and how I was going back to 9mm from 40. I had planned on getting a G34 to do this with but now I am thinking the G17 or even the G17C with an extra (non-ported) barrel might be a better choice. Any opinions? Is there really any big advantage to shooting the 34 versus the 17? What about the "C" model, does the ported barrel and lightened slide offer any real advantage over the plain G17? I know the sight radius is longer on the 34 and I know the advantages that Glock says there is for each pistol but I want to hear opinions from experienced shooters, people that have actually fired these guns. My thinking and what I have been told by alot of GSSF shooters is that the G17 (C model or not) would be a better choice for GSSF due to the fact that I can use it in every division besides Heavy Metal and SubCompact. It seems to make sense to me but the G34 idea comes from the fact I want to use the gun in alot of other disciplines. Will the 17 serve me just as well in USPSA, Steel Challenge, and IDPA?


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An excerpt from www.HouseOfNames.com archives copyright © 2000 - 2017
Konkel Early Origins
Saxony, where the family contributed greatly to the development of an emerging nation. Individual bearers of the name first mentioned in ancient chronicles include Kunkerl of Pilgram (c.1379,) Dithart Kunkele (Konkel) of Giessen (c.1356,) and Johann Kunkelman of Merseburg (c.1488).
Konkel Spelling Variations
Konkel Spelling Variations
Spelling variations of this family name include: Kunckel, Kunckle, Kunckl, Kunkel, Kunkle, Kunkl, Kuenckel, Kuenckle, Kuenckl, Kuenkel, Kuenkle, Kuenkl, Kunkele, Kunckele, Kuenkele, Konkel, Koenkel, Koenckel, Konkele, Kuenkler, Kunkler, Kunckler, Kuenckler, Kunkerl, Kuenkerl and many more.
Konkel Early History
Konkel Early History
This web page shows only a small excerpt of our Konkel research. Another 306 words (22 lines of text) covering the years 1677, 1688, and 1690 are included under the topic Early Konkel History in all our PDF Extended History products and printed products wherever possible.
Konkel Early Notables (pre 1700)
Konkel Early Notables (pre 1700)
More information is included under the topic Early Konkel Notables in all our PDF Extended History products and printed products wherever possible.
The Great Migration
The Great Migration
Some of the first settlers of this family name or some of its variants were: Johannes Kunckel, who arrived in Philadelphia in 1738; Hans Kunkel arrived in Pennsylvania in 1748; Heinrich Kunckel and Johannes Kunckel settled in Pennsylvania in 1767.
Contemporary Notables of the name Konkel (post 1700)
Contemporary Notables of the name Konkel (post 1700)
Konkel Family Crest Products
Konkel Family Crest Products
See Also
See Also
Other References
The Konkel Family Crest was acquired from the Houseofnames.com archives. The Konkel Family Crest was drawn according to heraldic standards based on published blazons. We generally include the oldest published family crest once associated with each surname.
This page was last modified on 12 January 2016 at 12:55.
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text: Hi All, Can any one help me to get the icons of running services in android devices ? For example if i am running a live wall paper service i need to capture the icon of that particular livewallpaper and dispaly it in my activity. So the activity which i craete will do, capture all the icons of running services and display to user. Please any one help me to finish this. Thanks Mayuran


text:
The CES 2014 's popularity can be grasped from the fact that all flights to Las Vegas were delayed or diverted for hours. Everybody wanted to get their hands or rather their eyes on the latest of gadgets.
With 3D printers and amazing cameras and T.V's, the geeks of our planet had landed there. All roads led to Vegas for this glorious period. One of the biggest attractions or what one might call, the biggest distraction from other numerous products, was- Curved Screens.
Curved Screens actually seemed to have given some 'Techgasm'. The event had a curved screen at (ironically) every corner. They were being hailed by all manufactures ( Sony, Samsung, L.G) as the next big thing. And here is why:
- a) Curved Screens are going to give you the ultimate theatre exprience with their curved sides. Only make sure you buy a big enough screen so the effect is great no matter from which angle you view it.
- b) They are immersive. With giving you a rounded screen and you placed right at the centre, the screen literally wraps around and you are hooked.
- c) Want a flat T.V for a change? Simply press a button and its as flat as your old T.V. But you won't be using this button often because of the curves having you hooked. The large size and the switch button option is being provided by L.G It has introduced a 105" Ultra HD that changes from curved to flat (for viewing web content). And what is an even better news is that curved smartphones are here too, which are going to be really user friendly, because of the sheer fact that you can hold them better in your palm and and enjoy viewing so much better than a on a flat boring screen. So let us let go off our flat HDTV's and flat screen phones as something even more awesome than 3D TV's has arrived!
► E-Readers
• Amazon Kindle Paperwhite
Pros: front light much better than the last edition and some new refreshing software updated.
Cons: It is the same as the last year editions. No upgrade.
• Koro Aura HD
Pros: It has the best of characteristics including a 6.8 display screen erupting text capability and a 4GB storage space.
Cons: Size matters hence it has a possibility of slipping off sweaty hands and the roaring prices.
• Barnes and Noble Nook Glowlight
Pros: The advantages are it has a better display, improved front light and weighing a little less.
► Gaming
• Sony Playstation 4
Pros: You can use this sleek gadget with the touch of a button; it is a great controller and has a user-friendly boundary.
Cons: None.
• Microsoft Xbox One
Pros: it has an amazing voice control with bombastic features and also the user where you can switch from games to app in fraction of a second.
Cons: Not attractive-looking but as all knows appearances can be deceptive.
► Home Entertainment
• Google Cgromecast
Pros: It can turn this small gadget into a TV all for a price of $35.
Cons: It does not have features like Apple TV or Roku.
Pros: Easy to access and a wide set of channels.
Cons: Does not have analog AV support.
2013 was the year of government examination and disclosures. It didn't go through any innovation or achievements or a flurry of Diploma of Information Technology graduates. But this year Netflix took on the studios, copyright changes became the main task in DC. These small or big tasks not only brought about changes in the technology industry but on the society as well.Read More →


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Signifying Practices and the Co-tourist
Within the paradigm of tourist studies there has recently been an acceptance of the democratization of tourism and consumption. Missing from the notion of the democratization of tourism is the role of status building through the creation of cultural capital enhancing experiences. While tourist spaces may be becoming democratized, the relationships between tourists within those spaces are not. Increasingly tourists are relying on the performance and presence of other tourists who have similar interests and motives, what we call the role of the co-tourist, to facilitate the tourist experience. This paper addresses the importance of recognizing status and consumption for the study of tourism, posits the notion of a co-tourist, and ends with some reflections on the co-tourist in Santa Barbara, California.
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|Date of creation:
|09 Sep 2005
|Date of revision:
|22 Jan 2006
|Publication status:
|Published in TOURISMOS: An International Multidisciplinary Refereed Journal of Tourism 1.1(2006): pp. 11-28
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Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Holt, Douglas B, 1997. " Poststructuralist Lifestyle Analysis: Conceptualizing the Social Patterning of Consumption in Postmodernity," Journal of Consumer Research, Oxford University Press, vol. 23(4), pages 326-350, March.
- Holt, Douglas B, 1995. " How Consumers Consume: A Typology of Consumption Practices," Journal of Consumer Research, Oxford University Press, vol. 22(1), pages 1-16, June.
- Holt, Douglas B, 1998. " Does Cultural Capital Structure American Consumption?," Journal of Consumer Research, Oxford University Press, vol. 25(1), pages 1-25, June.
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text:
Fort Ward Park
This article contains wording that promotes the subject in a subjective manner without imparting real information. (April 2015) (Learn how and when to remove this template message)
Fort Ward Park is a former state park located along Rich Passage on the southern end of Bainbridge Island in Washington. Fort Ward Park is part of the Bainbridge Island Metro Park and Recreation District, on land which the former military base, Fort Ward, was located.
Covering 137 acres (0.55 km2) of dense forest and underbrush, it is an area full of beauty. Impressive views of Rich Passage, the Olympic Mountains and varied marine wildlife can be seen at the park. Common activities include boating, fishing, picnicking, jogging, walking and bicycling. Clam digging, bird watching and scuba diving are other favorite activities of park visitors.
Visitor services are available in downtown Bainbridge Island or the nearby city of Poulsbo, Washington. Both cities have various community events throughout the summer months.
In 1903, Fort Ward was officially commissioned as a seacoast fort with the primary objective of protecting the Bremerton Naval Shipyard. Two gun batteries are located in the park. During World War II, the navy used the fort as a radio station and training school for communication personnel and installed a submarine net across Rich Passage. In 1958, the navy decommissioned the fort, and State Parks purchased Fort Ward in 1960. Ownership of the Park was transferred to the Bainbridge Island Metro Park & Recreation District in the Spring of 2011.
Fort Ward Park has a public boat ramp and a parking lot for about 25 cars and boat trailers. The boat launch is concrete, donated by the Bainbridge Island Rotary Club. There are vault toilets located in the parking area near the boat launch ramp.
There are two picnic areas located in the park. The lower picnic area along the beach is accessible only by foot or bicycle and has eight picnic sites. The upper picnic area is accessible by car and also has eight picnic sites. Each picnic area has vault toilets as well as potable water.
External links[edit]
Coordinates: 47°35′11″N 122°31′37″W / 47.58637°N 122.52708°W
|This Kitsap County, Washington state location article is a stub. You can help Wikipedia by expanding it.


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Medic's Report for Pellissier Science Laboratory #2 - at Vision Care School in Kyarumba
Posted: Mon, December 14, 2015 | By: Past Projects
by Edson Thembo
Pellissier Science Laboratory #2 is a clinic that serves the children of Vision Care School in Kyarumba.
Vision Care is a non-denominational nursery and primary school with about 220 children.
The diseases that I treated in the school term that ended in December 2015 are:
29 cases of Malaria
55 cases of Peptic Ulcer Disease (caused by malnutrition)
40 cases of Worm Infection
57 cases of Respiratory Tract Infection
9 cases of Gastro-Enteritis
3 cases of Acute Diarrhea


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I love the subtitle for The Jesus Storybook Bible – "every story whispers His name." It delights my heart to find Jesus revealed all over the Old Testament from creation to Isaiah. There are some Old Testament stories, however, that do more than whisper Jesus' name. Our current lesson in Starting Blocks is one of those that shouts the name of Jesus and gives a great preview of the Gospel. Take some time with your preschoolers this week to continue talking about the Plagues and Passover with the fun activities below.
HIGHLIGHTS from Sunday…
Last week we heard the story about how God spoke to Moses through a burning bush. God told Moses to go back to Egypt and tell the king, or Pharaoh, to let His people go! Moses obeyed God and went to Pharaoh, telling him exactly what God told him to say. Pharaoh would not let the Israelites go out of Egypt. His heart was unyielding. God sent Moses to tell Pharaoh that if His people were not released, plagues would come. Pharaoh's heart was hardened and God sent 10 plagues before the people were freed. First, God turned Aaron's stick into a snake. Then there were the plagues of blood, frogs, gnats, flies, livestock, boils, hail, locusts, darkness and, finally, the death of firstborn children. God is all powerful. The Israelites were saved from this final plague as long as they obeyed God and took the blood of a lamb and painted it on the doorposts of their houses. If they did this, death would pass over their household. Pharaoh's son died in this last plague and he finally let the Israelites go. Today Jesus is our Passover lamb! When we trust Jesus to forgive us for all the wrong things we have done He saves us from our sin. (Exodus 7—12:36)
Teaching Truth
- God is ALL powerful.
- Jesus is our Passover lamb.
Memory Verse:
"Be strong and courageous. Do not be terrified; do not be discouraged, for the Lord your God will be with you wherever you go"
Here's a simple song to help your child (and you) memorize this week's memory verse!
3 Activities that Remind us How God is in Control of Everything
1. Plague Hopscotch
Hopscotch – draw a hopscotch game on your sidewalk, porch or driveway. First put a number (1 – 10) in the top corner of each square. For each number/square, draw/illustrate a picture of one of the plagues. Here are some ideas: Blood – red river; Frogs – green frogs/dots; Gnats – tiny black dots; Flies – black asterisks; Livestock – grass on the bottom of square w/ brown animal stick figure dotted with red dots all over; Boils – stick figure with red dots all over; Hail – clouds at the top of square w/ gray diamond-shapes falling down; Locusts – yellow ovals with "B"- shaped wings; Darkness – color whole square black; Firstborn children – sad faces (stick figure style).
Make sure your kiddo knows which plague each square represents – quiz him/her every-so-often during the game. Play a traditional game of Hopscotch using a stone, bean bag, or some other type of marker.
2. Hard vs. Soft
The Bible says repeatedly that Pharaoh's heart was hard. Illustrate the difference between hard and soft for your child by having them find different objects to compare with each other, such as a pillow and a book, a stuffed animal and a plastic doll, etc.
Later, on your porch or driveway, give your child a pitcher of water. You will need a rock and a large sponge that has been wet and then completely wrung out. Let your child feel the difference between the rock and the sponge. Then let your child slowly pour water onto the rock. Help your child observe how all of the water runs off the rock- none of it gets inside. Then let them slowly pour water on the sponge and observe how it is different than the rock – that is soaks up water… you can explain to your child that it is good to have a soft heart (like the sponge) that can soak up God's Word. Pharaoh's heart was hard, like the rock, and would not let God's truth get inside.
3. Ten Times
God sent Moses to ask Pharaoh to free his people. Ten times Pharaoh said "no" before he let them go. Practice with your child counting to 10 by doing 10 claps, 10 jumps, 10 stomps, 10 shouts, etc.
God, you are all powerful. Thank you for making a plan to rescue us and be our Passover Lamb. We love you. Amen.
Image via Flickr Creative Commons
The post 3 Plagues & Passover Activities for Preschoolers: Starting Blocks Playbook for October 12 appeared first on Watermark Community Church Blog.


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- Please select a date to see the proper prices!
Description of the accommodation:
Rooms, services When taking a trip to Seattle, booking a room at Mediterranean Inn Seattle may be a great decision. All guests looking for a comfortable room in Seattle are welcome at the hotel. In case you'd like to have a meal or a drink on the spot, you will be provided freshly prepared dishes in the restaurant every day. For meetings and nice evening chats the local café will provide an ideal location. You can find the exact list of services provided by Mediterranean Inn Seattle (including those for extra fees) and the exact equipment of the rooms on the information sheet below.
Payment Advance payment by credit card or providing credit card guarantee may be necessary for finalizing the reservation, depending on the chosen date, room and price.
Arrival, opening hours You will be able to speak with the personnel in English.
Mediterranean Inn Seattle rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Own restaurant


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A backyard swimming pool is always a fun place. No matter how it is used-for games, for relaxation or for exercise-the pool experience is pure enjoyment at its finest. Read More »
You are here: Home > Tag Archives: Reasons to own a pool
Tag Archives: Reasons to own a pool
Reasons to own a pool: The Endless Vacation
Owning a swimming pool is like being on a permanent vacation: it's always a great day and tomorrow will be a great day, too. The entire family will think they've moved to paradise! Read More »


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On the recent shoot of Song Ji Hyo with Allure she talked about her wanting to not be called as an actress.
Song Ji Hyo said that if she acts like an actress like people treats her she is being embarrassed about it and she is burdened by the title actor.
She just want to become an actress whi enjoys and acts as she wants to.
Song Ji Hyo flunts the shoot with allure with her beautiful baby pink clothes and pink backgrounds.


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Pluganomics Podcastby robcrooks ~ February 3rd, 2016. Filed under: Bruce Lord, Internet, Pluganomics, Podcast, Rap, Rob Crooks, Winnipeg.
I recently sat down with the homie and Winnipeg hip-hop lover Bruce Lord to record an episode of his podcast Pluganomics. We had a couple beers at the Sherb and talked about rap, Winnipeg hip-hop history, the DIY attitude, punk music and authenticity. And some other stuff too. Then we got kicked out by the bouncer. It was rad. Check it out here.


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Community Focus: Jordan Evans
"What've you got going on there?" said Urk this morning.{{more}} He was asking about this imposing visage of a Fallen Captain. Many conversations at Bungie begin this way. The most exciting moments of any day are when new assets for Destiny emerge from the development floor. He was surprised to learn that he was not looking at new work from our concept team. What he was seeing was created by a member of the community. "Really? That's sick!"
Just like you, Jordan Evans is a Bungie fan. What makes him stand out in the growing Destiny Community is his flair for creating kick ass art. His blog is loaded with awesome visions from his imagination, and it's obvious that Destiny is very much on his mind. To get to know the man behind this mighty brush, we're making him our focus for this week.
Usually, we zero in on more inclusive clubhouses, but your online portfolio is shaping up to be a great destination on the Internet for anyone who's excited about our game. How long have you been making art?
I've been making art for as long as I can remember. My friend and I would spend hours working on creating our own comic books called Pencilman and Eraserboy. When I was twelve years old, playing Diablo 2 and looking at the artwork inside the strategy guide, I knew that I wanted to be a an artist. Since then, I've met with different artists in the field and browsed many art communities to find new inspiration and to learn from incredible digital masters.
Have you invested in any formal training as an artist?
Growing up I was self-taught. It wasn't until I started college at the Art Center College of Art and Design that I began any formal training. I studied Entertainment Design for 2 years and still have 2 more years to go. My plan at the moment is working off pesky student loans so that I may continue my education and get my degree.
What's the plan after that? Where do you most want to make a contribution?
I would love to find a company where I could learn and grow as an artist, but to also be an incredible asset. Eventually, I would love to be able to teach, to give back to so many artists and share all the things I have learned.
What is it about to Destiny that has inspired you to bring such imposing images to life?
Destiny is taking a whole new spin on a sci-fi shooter and I know Bungie will once again reshape how we picture games. I figured I might as well picture how I would imagine Destiny to look like through my art and also inspire others to do the same.
Do you plan to make this a habit? Should the Destiny Community keep an eye on you?
That is a great question. I have been keeping up to date with different art communities such as cghub, deviantart, and blogger. I'll be posting on the Bungie.net forum with new pieces as the wait continues!
There you have it. If you love great art set in our brave new world, you're likely to see Jordan sharing more of it right here on Bungie.net. If you want to see everything he has created, keep an eye on his website. We were tracking the evolution of his Fallen Captain well before he unveiled the finished product (i.e. before it was officially cool). We look forward to seeing what he starts working up next. You should too.


text: B. W. Implement Company 288 Front St. , Buttonwillow , California 93206 USA About Solutions products Companies B. W. Implement Company Products 10 products found Products Model T128X - Standard Large Seed Mulchers These machines are designed for large seed row crops such as cotton, sugar beets, and corn. The Cult-Mulch standard machine breaks up heavy soils and forms smooth, uniform beds for preplant and irrigation. Uniform beds result in better planting performance and provide quicker germination along with a higher rate of germination. Model PC1 - Vegetable Mulcher Designed for narrow bed vegetables such as carrots, onions, and lettuce, these versatile mulchers can be used in a wide variety of vegetable crops and in all soil conditions. These rugged machines are manufactured to out-perform all other power mulchers and can also apply and incorporate herbicides and fertilizers while maintaining the uniformity of bed shape, width, and height. Model SM-120 and SM-144 - Solid Mulcher The Culti-Mulch Solid Mulcher was originally developed for mulching on the flat for use in the sod industry. It does an outstanding job of leaving a smooth, firm seedbed resulting in an improved germination and better root penetration of all grasses, plus allowing for easier harvesting of the sod. The Solid Mulcher is also ideal for cleaning up weeds and smoothing out wheel ruts in orchards and vineyards. Whether you need a smooth floor for... Model PC3 - Power Cultivators The BWImplement line of Power Cultivators are designed to form uniform bed heights and widths, also leaving a uniform seed bed at the same time, increasing moisture control and seed germination. These high-performance mulchers break up the heaviest soils for better planting performance and controlled work tillage depth, regardless of the soil condition. This also allows the grower to set planters, cultivators, and harvesters at one... Model ADL - Drip Tape Plastic Mulch Laying Machines BWI offers a full line of drip tape and plastic laying sleds in both fixed row and fully adjustable models. Our sleds include features that make it easier to change rolls of tape and plastic for less down time. They are also designed to create more down pressure resulting in a tighter seal of plastic mulch. Our sleds are manufactured from 3 inch and 4 inch tubing and are built to last. Combination drip/plastic mulch laying sleds are also available.... Model OLX - Orchard Leveling Blades BWImplement Orchard Levelers are constructed with 2' and 3' x ¼' wall square tubing, 2' x 4' x ¼' wall rectangular tubing, and 3/8' hot roll plate. Adjustable wear plates on frame side pieces are replaceable and made from 3/8' x 4' plate. Category II - III 3-point hitch. Model W24-110 - Flat Vee Ditchers Fewer ditching passes mean less time in the field and less travel time to and from the field. Designed for fewer passes, the BWImplement Flat V Ditcher is an economical, efficient irrigation tool for optimum work economy. In most cases, a single pass up and back is sufficient but hard or cloddy conditions may require a third pass. Wide flat ditches carry more usable water, dry faster to allow earlier closing and are easier to remake. In addition, The... Model SLP4 Series - Planter Sled 4-row planter sled designed for 36', 38', 40' or 42' spacing. 3-point mount, Category II or III. Sled is fully adjustable and shapes bed prior to planting. Planters mount on tool bar behind shaper. Includes landslides, UHMW-lined shaper plates, skid runners, 3 tool bars. Model LB5 - Folding Lister Bars BWImplement folding lister bars are constructed with 7' x 7' x 1/2' wall square tubing and are manufactured with an over-center locking mechanism for positive hold. 7' x 7' lister shanks are cast exclusively for us and are 44% beefier than 5' x 7' shanks. These listers can be custom fabricated for multiple row configurations and sizes. Model LB - Non Folding Lister Bars Heavy Duty 7 x 7' Casted Lister Shank with caps. Heavy Duty double or single spindle rachet gauge wheel.


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Inspiration for a contemporary country kitchen
Posted by Jodie Draper Tags country, inspiration, kitchen
With our Country Kitchen event kicking off today, we've trawled the internet to bring you the most muse-worthy spaces. Taking cues from rustic textures, industrial accents, and traditional tapware, this gallery will help you nail the look…
Looking for more inspiration? Check out our kitchen or country Pinterest boards.


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Purrfect Auto
Review for Purrfect Auto
Randi said this business has always been honest with her. They never talk her into paying for something she does not need. She appreciates their opinion and they deserve everything she gives them.
Vehicle: Toyota Camry
Category: Service
Service Date: 10/16/2015
Review Created: 10/23/2015
This review was collected via phone interview by Customer Research Inc.


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Jason's is a great place to get a fairly quick, but delicious bite to eat! They have a pretty extensive menu of sandwiches, salads, soups, pastas and a self serve salad bar. This one also has three options of FREE ice cream (vanilla, chocolate, or twist) and of course the awesome dark chocolate syrup. The one near where I live only has vanilla. I could never get sick of eating at this place!
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.


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NaO Loudspeaker Sets Drive Units
NaO Note II RS and NaO II RS Driver Sets for NaO Dipole Open Baffle systems.
Designed for DIY construction by John Kreskovsky of Music and Design. To learn more about NaO speakers please contact Music and Design here.
NaO II RS Speaker Kit. Drive Units Only.Excl. Vat: £1,250.00 Incl. Vat: £1,500.00


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Weird Al Yankovic Premieres Pharrell Parody 'Tacky' Featuring Jack Black
First of comedian's #8videos8days is released.
Weird Al Yankovic has released his latest musical parody, this time taking on Pharrell's "Happy."
Al's version, titled "Tacky," premiered on the Nerdist yesterday on July 14th. As the website notes, the video features a crop of cameo appearances from a number of comedy stars:
"Featuring guest appearances from comedians Aisha Tyler, Margaret Cho, Eric Stonestreet, Kristen Schaal and Jack Black, the video was shot on location at the historic Palace Theatre in Downtown Los Angeles, the same space that was used as Julianne Moore's apartment in 'The Big Lebowski.'"
The video is the first of Al's #8videos8days project. As he announced on Twitter on Sunday (July 13th): "I'll be premiering 8 brand new music videos - one every single day for 8 days - starting TOMORROW MORNING. (11 AM Eastern, 8 AM Pacific)"
On the basis of the strength of the first video, we here at Ultimate-Guitar can't wait to see what Weirld Al comes up with next.


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Steyr Pro Hunter .308 Win.
Guns International #: 100824900 Seller's Inventory #: 5085028
Category: Steyr Rifles - Rifles - German & Austrian Sporting
Seller's Information
When emailing or calling sellers direct, please mention that you saw their listing on GunsInternational.com
Seller: Cabelas Rapid City
Company: Cabelas
Member Since: 9/4/08
First Name: Galen
Last Name: Burgett
State: South Dakota
Zip: 57701
Country: United States
Phone: (605) 388-5608
Fax: (605) 388-5619
Seller: FFL Dealer
Return Policy: 3 day inspection and return policy on used guns.
3 days
Payment Types Accepted:
Price: Was $809.99 Now $639.66
Caliber: .308 Winchester
Metal Condition: Slight wear
Wood Condition: Slight handling marks
Bore Condition: Shiny, rifling sharp
Barrels: 23
Stock: Synthetic
Weight: 8 lbs.
Item Location: Rapid City, SD


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Child Safety Seat Defects
Contact a Fort Lauderdale Accident Attorney
No safety device can protect a child in every crash. However, child seats must work properly in order to be effective. This is crucially important because one out of every three child injury deaths are caused by car crashes. Some child seats have been recalled for safety reasons. Make sure your child car seat has not been recalled.
Other child safety seats have shown disturbing patterns of failure in real world crashes, yet they have not been recalled. Federal standards require safety seats to provide a certain level of protection in frontal crashes. Responsible manufacturers test their seats in all kinds of foreseeable collisions. Not all manufacturers are responsible, however. For example, shield booster seats can be extremely dangerous in many kinds of crashes because they have no upper body restraint.
Despite alarming statistics regarding car seat defects, many millions of seats have been sold. They are designed to be used in two ways:
- For children who are too big for rear-facing seats but not yet big enough for a booster (over 40 pounds)
- As a booster when the child weighs over 40 pounds
After 40 pounds, the shield booster is used as a booster seat and the seatbelt secures the child. However, before the child weighs 40 pounds, the seatbelt is not used to restrain the upper body, and this kind of booster has no 5-point harness. Instead, the booster uses a "shield," or arm, to restrain the child. This shield rarely fits as snugly as a belt or harness, which creates the potential for the child to be ejected.
For children less than 30 pounds, make sure they have a 5-point harness. For children 40 pounds and over, make sure you have a proper booster seat that allows the seatbelt to fit safely and snugly. In a collision, it may be the difference between a young child walking away and never walking again.
If a child safety seat fails to restrain your child in a crash, contact us. Sometimes only an expert can determine if a child safety seat failed.


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Best Fishing Times: 5:44AM to 7:44AM, and 9:11PM to 11:11PM
Alternate Fishing Times: 8:41AM to 10:41AM
Fishing Mink Lake, AK on 11/17/2017 will be best from 5:44AM through 7:44AM, and from 9:11PM to 11:11PM. If those times won't work for you, 8:41AM to 10:41AM looks promising. Remember to adjust these times based on barometric pressure, and weather changes.


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Title loans online are a type of secured funding that uses the value of your car, truck, or SUV as collateral to secure the loan. This type of lending has become very popular over the last decade or so and because of this, OnlineCash4Payday.Com has helped thousands of regular everyday people get the money they need now using their car or truck as a way to secure short-term funding for themselves. When obtaining car title loans, the borrower must allow a lender to place a lien on their car title. When the amount is repaid in full, then your lender releases the lien typically electronically and full ownership goes back to the owner of the vehicle.
Now while the loan is secured by collateral, lenders typically do not need to check credit reports. This is because lenders already have their money backed with your vehicle. The maximum amount that you can borrow will depend on the value of your vehicle. Our lending partners will typically use reputable used vehicle value guides such as NADA, Kelly Blue Book, Black Book, etc. to determine the value of your car. Once this is determined, most lenders will loan up to half the amount of your car. You must own the vehicle free and clear of any liens and have the title for the car or truck. Typical lenders will also require you to have full coverage insurance on the collateral just in case the vehicle is totaled out. This way the lenders will be able to get there money back.
Understand, that by placing a lien on your vehicle to secure financing for yourself, there is always risk involved in the case you cannot repay the loan. In the event you cannot repay the amount, it is in your best interest to work with your lender to at least pay the past due interest and work out a payment plan. At the end of the day, the lender can repossess your vehicle in the event of a default. Now lenders do not typically want to perform this because of the costs involved. They would much rather have you pay off your balance or work with you than to seize your collateral. Then they have to worry about court costs, auction costs, depreciation, etc.. These are the risks you have to worry about and the risks the lender has to worry about. Make sure to borrow responsibly. When used correctly, an online title loans can be a great way to build credit and prove your credit worthiness.
By applying for a car title loan from our partner lending network, rest assured that your asset is secure and your privacy is confidential. Make sure to have your vehicle identification number (VIN) handy as well as your insurance policy number.
Our lending partners will work with your goals and initiatives to provide you with the amount you need now and terms that work with your budget. What we do is provide a way for our customers to get the title loan they want online, make the process fast, efficient, and seamless. Whether you apply from your office or home living room, rest assured by applying today, you can have the money in your possession in as little as a day or two. Affordable rates and lending accuracy have enabled us to grow over the last decade to one of the largest lending networks online. Fill out an application today. Our lending partners is standing by 24/7 to ensure your lending success.


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12200 Custer Street, Yucaipa CA, 92399
Sold Price:
3 beds , 2 Full baths
1,242 sqft
Status: Sold
Listing Provided Courtesy Of: RITA SHAW BROKER & ASSOCIATES
Real Living Premier Realty
(951) 364-3100
Last Updated: 11/19/2017 2:33 AM
Description for 12200 Custer Street Yucaipa, CA 92399
3 Bedroom 2 bath single story home. Short Sale.
Sold Price:
Sold Date:12/07/2015
San Bernardino
2 Full
1,242 (approx)
3 Bedroom 2 bath single story home. Short Sale.
Listing Information
Public Water Service
Room Information
Living Room
Interior Features
Central Air
No Fireplace
Exterior / Lot Features
2 Garage Spaces, 2 Parking Spaces
No Pool
Street Lights
Financial Considerations
Listing Price History
Yucaipa Real Estate
Yucaipa is located in California. Yucaipa, California 92399 has a population of 53,328.
The median household income in Yucaipa, California 92399 is $58,506. The median household income for the surrounding county is $54,100 compared to the national median of $53,482. The median age of people living in Yucaipa 92399 is 37.5 years.
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