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Let CollegeInvest help you better understand your college savings options and the differences between plans.
Compare savings options quickly and easily in the college savings options comparison chart.
These state sponsored savings programs have a variety of tax benefits, such as a dollar for dollar Colorado state tax deduction in the calendar year when the contribution is made1. 529s can be used for qualified higher education expenses including tuition: certain room and board costs; required fees, books, and supplies; and the student's computers, peripheral equipment, software, and internet access.2 They also offer flexibility, higher contribution limits, no income or age restrictions and a higher degree of account control than other savings options. Experts agree 529s are one of the best ways to save for college.
Tax-advantaged education savings vehicle for qualified K-12 and higher education expenses. ESAs are a trust or custodial account in which contributions grow on a tax-deferred basis and withdrawals are tax free if used to pay for a broad range of educational expenses, including private high school tuition. Unlike 529 Savings Plans, ESAs have lower annual contribution limits in addition to income and age restrictions.
Series EE (issued after 1989) and Series I Savings Bonds may be used to fund qualified higher education expenses. Federal taxes can be deferred until redemption or maturity, and earnings grow free from state/local income taxes. Unlike 529 Savings Plans, contributions are not tax-deductible, and purchases are currently limited to $5,000 annually.
This traditionally retirement-focused savings vehicle may also be used to fund some college and higher education expenses, similar to 529s. Earnings grow free from federal income taxes while in the account. Withdrawals (taken before the IRA holder is age 59-1/2) used for specific higher education expenses of the IRA holder, spouse, child or grandchild do not incur a tax penalty. Contribution limits on Roth IRAs are less than those of 529s.
These custodial savings accounts are managed for the benefit of a minor. There are no limits on contributions, but once the minor reaches the age of maturity, he/she controls the funds – and the money doesn't have to be used for higher education. Unlike 529 Savings Plans, putting money into a UGMA account can negatively affect the chances for financial aid since a child's assets are weighed much more heavily than the parents'.
Policies must be "permanent" in nature and build cash values that must be withdrawn as loans to become tax-free and available to the student. Unlike 529s, there are no restrictions on the use of the funds, or where the funds can be applied. Fees and oversight costs tend to be higher than other savings options. Contributions are limited by the type and carrier of the policy.
Each of these savings options have their own specific benefits, limitations, rules and guidance. Carefully read any disclosure statements and detailed information relative to your investment goals or needs, or consult with a tax advisor for their specific tax applications or consequences.
1 Contributions to the Plan(s) are deductible from Colorado state income tax in the calendar year of the contribution, up to your Colorado taxable income for that year. Such deductions are subject to recapture in subsequent years in which non-qualified withdrawals are made.
2 The earnings portion of a non-qualified withdrawal is subject to federal income taxes and any applicable state income tax, as well as an additional 10% federal penalty tax. Contributions for which a Colorado income tax deduction was taken are subject to recapture in subsequent years in which non-qualified withdrawals are made.
Important Considerations
To learn about CollegeInvest's 529 program, its objectives, risks, charges, expenses, limitations, restrictions and qualifications regarding the program's benefits and potential tax advantages, please read and consider carefully the Plan Disclosure Statements (PDS) available at www.collegeinvest.org before investing. Also, check with your or your beneficiary's home state to learn if it offers tax or other benefits for investing in its own plan. Administered and issued by CollegeInvest.


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Brand-New etnies RV's Road Trip Stops Include the Winter Gravity Games, Bike Week, Tampa Pro and the AMA Supercross in Orlando
Lake Forest, Calif. — etnies brand-new RV has hit the road, taking off from the company headquarters in Lake Forest and stopping at the Winter Gravity Games, Bike Week, the Tampa Pro and the AMA Supercross in Orlando. The 40-foot etnies RV is super-roomy, expanding to 20 feet wide in the front and sleeping six comfortably. It also has enough space to fill 365 kegs, which equals 724,160 ounces of beer. The RV is decked out with two flat screen TVs, a 300-watt stereo system and a satellite dish for your viewing pleasure.
In the month of March, the etnies RV destinations include:
- March 3, 2005 — Winter Gravity Games in Copper Mountain, Colorado
- March 4-10, 2005 — Bike Week in Daytona Beach, Florida
- March 11-13, 2005 — Tampa Pro in Tampa, Florida
- March 19, 2005 — AMA Supercross in Orlando, Florida
Look for the new etnies beast on the road terrorizing a town near you.
About etnies:
Established in 1986, etnies designs the best skateboarding shoes available. From the creation of the Natas, the very first pro model skate shoe, to expanding its vision of quality design to include other action sports like snowboarding, surfing, moto-x and BMX, etnies has a true commitment to crafting the quality, function and style that has changed the face of the action sports footwear industry.

subset: commoncrawl


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Choose your room
Hotel Riviera Benalmadena 4*
Wi-Fi/Wireless LAN
Parking (fee required)
24-Hour Front Desk
Swimming Pool
Heated swimming pool
Exercise Gym
Sports activities
Mini Golf
Table Tennis
Spa and relaxation
Riviera Hotel is a 4-star venue set just 1.9 km from Crocodile Park, Selwo Marina and La Carihuela.
The property enjoys privileged location steps away from the castle and the synagogue as well as parks. Casa de la Cultura, Sea Life Aquarium and Pablo Ruiz Picasso Cultural Centre are located 550 meters from the hotel.
All 189 contemporary rooms at Riviera Hotel feature individual climate control, a private balcony, multi-channel TV, coffee/tea makers and a safe. All bathrooms come with toiletries, terry bathrobes and a hairdryer.
Mediterranean dishes are served in the air-conditioned restaurant. Guests are invited to the Poolside bar to unwind with a drink. Retaurante Trefpunt and The Lounge at Pinoccios are situated in a marina area, about 150 meters from the venue.
Guests can reach Riviera Hotel by car from Pablo Ruiz Picasso airport in 10 minutes.
Bicycles and cars are available for rent at Riviera Hotel.
Beach facilities at Riviera Hotel include showers and umbrellas. Active guests will appreciate mini golf, table tennis and bocce provided on site.
Hotel Policy
- Children and extra beds
- All children under the age of 2 may stay free of charge when using existing bedding.
- All children under the age of 2 may stay for free in a crib.
- All children under the age of 12 may stay at the price of 50 % of the room stay per person per night in an extra bed.
- Older children/adults may stay at the price of 75 % of the room stay per person per night in an extra bed.
- There are no extra beds provided in a room.
- Only adults
- Parking (fee required)
- Wi-Fi in public areas
- 24-Hour Front Desk
- Rooms/Facilities for Disabled
- Safety Deposit Box
- Terrace
- Garden
- Luggage Storage
- Elevator
- Credit Card Accepted
- Public areas with access for disabled
- No Pets Allowed
Food & Drinks
- Breakfast available (Surcharge)
- Buffet
- A la carte restaurant
- Dining room
- Pub
- Bar
- Cafe
Leisure & Activities
- Outdoor Swimming Pool
- Indoor Swimming Pool
- Children's Swimming Pool
- Spa & Wellness Centre
- Health Club
- Fitness center
- Jacuzzi
- Sauna
- Entertainment
- Mini Golf
- Beach umbrellas
- Sun terrace
- Massage
- Table Tennis
- Billiards
- Concierge
- Housekeeping
- Tours/ticket assistance
- Business services
- Fax/Photocopying
- Newspaper service
- Currency Exchange
- Shops/Commercial Services
- Car Rental
- Bicycle Rental
- Self-service laundry
- Dry Cleaning
- Ironing Service
Room Amenities
- Individual air conditioning
- Cable/satellite television
- Balcony
- Carpeted floor
- In-room safe
- In-room desk
- Mini-Bar
- Tea & Coffee Facilities
- Direct dial telephone
- Bathroom with bath or shower
- Bathtub
- Hair dryer on request
- Room toiletries
- Premium bedding
- Beachfront view
AmenitiesShow All
- Only adults
- Parking (fee required)
- Wi-Fi in public areas
- 24-Hour Front Desk
- Rooms/Facilities for Disabled
- Safety Deposit Box
- Terrace
- Garden
- Luggage Storage
- Elevator


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|Baby Duck 0 Chair 1
946. No damage to Ashlea's eye. She walked into a chair after church and banged her glasses into her cheek. It's not serious but I always hyperventilate a little when things like this happen. It was her good eye! Her only eye!!! I am thankful it is just a bruise and that her eye is fine;
947. A relaxing Sunday (apart from the eye incident);
948. Friends for my kids to play with.
Psalm 145:21
My mouth will speak in praise of the Lord.
Let every creature praise his holy name for ever and ever.


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My mom crossed the border illegally 22 years ago. She was waiting to give birth in a hospital in Mexico when her sister picked her up and smuggled her across the border. My mom made it 30 minutes north of there, in the midst of birth pains, to a small town by the flat Southern Californian lands. I was born there. I, a U.S. high school valedictorian and member of the MIT Class of 2014, was born there in California. But our home was in Mexico.
My parents split up so I could get an American education. When I was seven years old, my parents, older brother and sister, and I were living in an average house in Mexico. But word about my cousins speaking English and having a shot at a better future in America convinced my parents to uproot us from Mexico and transport us to California. That's where my mom brought my older siblings, also American citizens, and me.
She promised, "En los Estados Unidos hay más oportunidades, mijo." If I would do well in school, she said, I would someday have a better future for myself. She had talked it through with my dad, who agreed to stay in Mexico and continue working until he was old enough to retire. In the meantime, he would send us Mexican money (dirt compared to the U.S. dollar) to help keep us alive.
The U.S. government didn't know this. In order to receive food stamps, my mom claimed to be financially independent of my father, a lie that convinced my younger self that deceiving the government is normal. She claimed to be single, betraying the joy of my earlier childhood that we had spent as a family. Yet, it was a well-intentioned betrayal, a paradox, which was aggravated by the rare visits he paid me. At a young age, I was perplexed, fatherless, poor, and spoke no English.
Our living conditions were no better. My mom, siblings, and I lived in a single bedroom in my aunt's house. Once welfare money started coming in, we moved into a low-income apartment — the place I called home until high school.
On that block, a police officer was shot and killed when I was in middle school; I couldn't get home that day because the SWAT team was investigating neighboring apartments — the criminal's home. My sister contributed to the community's statistics on teenage pregnancies, one of the highest in California. My own brother, who even today is struggling to find a job, contributed to the region's unemployment rate, one of the nation's highest.
We lived in fear. "No abran la puerta," my mom would lecture us. "¡y si preguntan si tienen padre, diganles que no!" she'd say. "If they ask if you have a father, say no!" After a man showed up to our apartment asking about my dad, my mom was convinced that the government was investigating her. She'd frequently lecture us with her most serious face, her eyebrows sternly frowning: we were never to speak about my father, whether in school or to a stranger.
I was taught not to open the door, to shut the curtains before leaving the house, to leave the radio on so no one would break in. Any knock at the door would provoke silence in my home. My mom would then find me and whisper, asking, "Who is it?" In response, my face would offer an unspoken "I don't know."
We were incarcerated in our own home. And in those moments, the thought of losing my mom might cross my mind. I'd imagine her getting taken away, getting deported, leaving my siblings and me orphans, ending up God knows where. I still hear the knocks on the door and remember my mother's voice. "Don't open the door, and if they ask about your father, say nothing!"
It has always been easy to answer questions about the challenges I've faced. I can talk about counseling my close friend who was homeless, who feared his mom was selling her body. I can talk about the time two kids beat me on the back with sticks on my way back from school. I can talk about the too-frequent deaths of my high school classmates in a school a fifth the size of MIT.
But there's a more difficult question interviewers and college applications ask me: who mentored me? It's hard to answer because the only person who comes to mind is my older cousin. He encouraged me to take as many Advanced Placement classes as possible. "You can become a valedictorian," he tempted me, "if you take AP classes and get good grades."
He pushed me to speak to my high school counselor about how to become a valedictorian. Off I went to the counseling office. I sat on a cold chair in silence waiting for some guy to stop talking to the desk assistant, and approached the desk lady.
"How can I help you?" she asked. I told her I wanted to talk to my counselor. "What would you like to speak to him about?" she asked robotically.
I mumbled, "About how to be a valedictorian."
She laughed unapologetically in my face.
I remember feeling so ashamed, so embarrassed, that I made up my mind to speak to my counselor about anything except how to be a valedictorian. I remember asking myself to forget that moment ever happened. But I still ask myself: why did she laugh?
She continued laughing in my head, mocking the color of my skin and my dirty upbringing. A dark-skinned Mexican like me doesn't forget the feeling of being ashamed of his cultural background. Being different. Surviving on microwavable corn dogs, chimichangas, and ramen. Not knowing what it's like to sit at a dinner table with his family. Having to speak on behalf of his single parent who can't speak English. Living off of the $8 per hour his mom, an undocumented field worker, earns in the field from sunup to sundown.
It's common for field workers in California to be undocumented; employers have no documented candidates looking to work in the fields. When I asked my mom about the Social Security Number she uses, she replied, "Es un seguro chueco." It's "crooked" — it doesn't belong to her. If hard workers like my mom were kicked out of the country, there would be no "American," no one with a nine-digit number, to take the job.
But my mom would gladly take it for the sake of her children. She would diligently leave every morning at 4 a.m. before I'd wake up. After school, in the late afternoon, I would catch her coming into the house, her brown skin turned pale by the dirt she'd toiled in.
"¿Hijo, me sobas los pies?" she would plead daily. Oh, how I regret ever answering "no." I should never have waited for the question! I should have unconditionally offered to rub her calloused feet, to massage the dirt off her hands and put my fingers through her knotted hair, the way she liked, until she'd fall asleep.
Instead, "I have a lot of homework" was my common excuse.
After insisting, or even offering me the last $5 in her purse, she would stop annoying me and lie down on the living room couch, which also served as her bed. I would return to my studies — my illusion of a ticket to a better life.
Those straight A's I earned did not suffice to earn a ticket to MIT. For undocumented immigrant families like mine, it can be impossible to finance a college education. What would I report on the FAFSA? A father whose financial support can't exist? A mother whose illegal job in the field counts for nothing? Government money that by itself isn't enough to pay for rent?
Needless to say, filling out the FAFSA was more stressful than filling out the MIT application. It reminded me of that childhood fear from long ago and of the terrible sound of knocking on the door.
How could I get the financial aid that I thought I deserved without revealing our fraud?
I confess to you. I lied.
I don't understand how — but it worked; I got a full MIT scholarship. And I found my calling at MIT, thriving both in its classrooms and in its many extracurriculars. For most of my four years, it was like I had never lied.
Today, a year after MIT nearly took away my scholarship and my mother nearly missed my graduation, I can no longer disregard the lies. When I consider my upbringing and how privileged I am today, contradictory thoughts flow through my head. Did I deserve the money? What if one day someone finds out?
Every day, when people see me, they see the Brass Rat on my finger and a smart guy who worked hard for his diploma. I am a part of this community: a respected leader, a passionate thinker, and a good friend. But no one sees the fear in my soul.
I'll speak with some professional who guarantees, "As long as you and your parents did everything legally, there should be no problem." Anxiety will step in and my heart will begin to race. The truth is that my mom is working illegally, I lied on my financial aid application, and I'm living as though I earned it earnestly. Bearing that in mind, I'll tell the false story again, and logically it'll be easy to justify.
Just how different are the lies from the truths? The information I reported is incidentally true. My mom works an honest job in my opinion, and I am a common low-income, first-generation MIT student.
But each time I'll tell it, it will take a toll on me. The more I'll speak about not being raised by my dad, the less I'll know him. The more I'll hide the sacrifices my mom's made for me, the harder they'll be to remember. My cover-up story will become my reality. I dishonor my parents when I live this life pretending I'm your average minority student at MIT instead of honoring with my memory the myriad sacrifices they made for me. For this reason there is power in sharing stories — to let others know they're not alone.
If you identify with any aspect of my story, be encouraged. One day, not far from today, you, your brother and sister, your mother and father will have a voice. Our families will be honored. And all will know the sufferings of American undocumented families. Our stories will then be written in history books, our hardships retold around the world.
It all starts here at MIT. Here you can find welcoming communities, like I did, willing to actively encourage you. Find a peer who will give up time to comfort you, who will get fired up about your story. Find a staff member who will move mountains to lighten your burden. It is out of compassion, or maybe decency, that some S^3 deans, financial officers, and professors really are willing to go beyond their job descriptions to support you.
The nationwide truth is around you, MIT. Someone you met in 18.02 had a parent deported, his family split for at least the next decade until "immigration papers go through." The great singer you admire fears life after graduation because of the unlikelihood of getting a job while undocumented.
A girl who was at the top of her class has parents who were unable to see her walk across the graduation stage because they're undocumented and cannot fly to Boston. The dark-skinned genius you met during freshman year who never came back the next semester — he dropped out because of the two jobs he was working to pay for his undocumented mom's medical bills.
If I've witnessed these stories without being a part of DreaMIT or some other organization for undocumented families, how many other stories are there? Split families, hard workers without benefits, no aid for well-deserving students … and not a single voice to defend these people.
This story is dedicated to those from undocumented families who cannot speak, to those who live in silence and fear, to those who are tired of being portrayed as criminals. Our voices will be heard. And we will have justice in the country that labels the oppressed "illegals."
You ARE criminals. It shouldn't take a valedictorian to figure that out.
A valedictorian should also know that the US has a well-established LEGAL immigration process (one of the most lax and welcoming in the world, mind you). Through this process, millions of law-abiding people come to the US and build better lives. Your family did not participate in this process. In fact, your family cheated this process and defrauded other American institutions as well.
The US has a duty to enforce its laws and protect its own sovereignty; you know that and your family knows that. Yet, your family chose this path anyhow and you're defending them. Your so-called 'oppression' is the quintessence of self-inflicted suffering.
Thanks to the author for his courage in sharing his story. His account of the obstacles that he and his family faced in order for him to get the education that his academic achievements merited is moving, disturbing, and inspiring. No one should face this many barriers in getting an education. It is in the best interest of the country and the world for each individual to have access to the education that will allow them to reach their potential--and the many barriers that hinder undocumented immigrants their children from getting an education are damaging not just to these families, but to everyone in society.
Living in the United States and taking advantage of everything it has to offer is a privilege for non-citizens, not a right.
It may be true that illegal aliens face challenges unlike those faced by legal immigrants and citizens, and that on a personal level those challenges are awful. I sympathize. However, the role of the US government is to guarantee the rights of citizens before it can address the privileges of non-citizens, especially those that forgo the legal process.
It's a shame that Mexico is in the state it's in, and I don't blame illegal aliens or their children for trying to make a better life for themselves in the US. However, the notion that illegals are "oppressed" spits in the face of the country they are taking advantage of. Just as illegals must do everything in their power to ensure a better life for themselves, the US needs to do everything in ITS power to ensure a better life for its citizens. That means enforcing national sovereignty, including our laws and borders designed to protect our citizens.
You should be thankful for all that the country has provided for you, not disrespecting it. You seem like a very well spoken and talented individual; imagine how much Mexico could improve if that talent was applied there.
#2, you might want to consider the vast quantity of US citizens that are unable to get a higher education before trying to guarantee education to those that actively violate our laws and funnel money and resources outside of the US. As a first generation student from a long line of poverty, I weep for the Americans back home that rot while the privileged elite argue against our national interests from their ivory towers.
FAFSA fraud can be reported to the DoE via the 1-800-MIS-USED tipline (http://www2.ed.gov/about/offices/list/oig/hotline.html), and information to report tax fraud to the IRS can be found here: https://www.irs.gov/Individuals/How-Do-You-Report-Suspected-Tax-Fraud-Activity.


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After conceiving of this idea, a PPC salary survey, and launching it within 24 hours. We now have the results less than 6 weeks later. Never launched something this fast and had a watershed of results but when you make something people already want, they'll come in droves.
…to take the survey and see results. We will launch this survey for a second year in Feb 2017. So sign up and make sure you take part. The more data means the more we can make sure we all make a decent and fair wage in our discipline.


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Welcome to the Statehouse Museum Shop's website! Free Shipping on Orders Over $49
This legal portfolio is decorated with an embossed Coat of Arms. On the inside are four pockets plus a special place for credit cards, a calculator and a pocket for business cards. On the outside is a full length padded pocket. The whole thing zips shut to carry everything needed for your next business meeting. Made in the USA.


text:
How to register our forum
Edit Page Last Edit:
First things first. Click the "Register" button.
Click "I Agree"
Once you click register, you are taken to this page:
Pick a username, password, and other infos. Then, finish the security question
Once you're done, click "Submit Registration" and you're done! Welcome to the forums!
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text: I have my desktop hooked up to my tv as a media center. I like to use my laptop to control it for basic stuff like downloading torrents. I used to use tightvnc for this, but my school wont allow us to use our own routers, and wont give anybody a static ip address, so I don't know how I can connect to it without having to get on the computer and running ipconfig to find out what the ip is. Is there a program I can use that somehow doesn't need the ip address to connect? or is there some other solution I could be using?


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Blast a rocket through space! In Landing Confirmed, you will use the left and right thrusters to ascend and glide through each territory. You can hit good triggers to open locked landing zones. Don't crash and burn on an alien planet!
Landing Confirmed is one of our selected Action Games.


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Politics may make strange bedfellows, but Washington D.C.'s most star-studded night always makes for some interesting table talk.
At the 100th annual White House Correspondents Association dinner, emceed this year by Joel McHale, expect to see the usual oddball mix of celebrities seated with politicians seated with media folk, who host tables in a massive ballroom under the Washington Hilton.
To the uninitiated, watching the A-listers make their way to their seats seems a bit like Harry Potter's Hogwarts "sorting hat" is at work sending each boldface name to the right place. Where's Anna Kendrick headed? She'll be at the Huffington Post's table, where she can chat up Health and Human Services secretary Sylvia Burwell, and Questlove of the Roots, among others.
The USA Today table will have an eclectic mix of celebs, including Jessica Simpson and fiancé Eric Johnson, Rosario Dawson, Freida Pinto, Jeff Goldblum and Orange Is the New Black actresses Taylor Schilling and Uzo Aduba.
No surprise that The Good Wife star Julianna Margulies will be at CBS's table. There she'll find Her director Spike Jonze, singer Gloria Estefan, and New York City Police Commissioner William Bratton in the mix.
How about Lupita Nyong'o? She'll make her way to Time and Fortune magazines' tables, where she might sit next to Gravity director Alfonso Cuarén or Uber car service CEO Travis Kalanick.
We might be biased, but we believe the tables to be at are those that include PEOPLE's guests: actors Joe Manganiello and Scott Foley, Olympic skier Lindsey Vonn, and New York Senator Kirsten Gillibrand.
Thanks to The Washington Post here's a partial list of where to spot some of your favorite stars – and the pols they may encounter – around the bread basket:
Time and Fortune:
Lupita Nyong o
Steve McQueen, director
Alfonso Cuarén, director
Travis Kalanick, CEO of Uber
Armie Hammer
The Huffington Post:
Arianna Huffington
Richard Sherman, Seattle Seahawks
Kristen Bell
Dax Shepard
Sylvia Burwell, secretary Health and Human Services
Anna Kendrick
Thomson Reuters:
Ron Dermer, the United States Ambassador to Israel
Darren Criss
Madeline Stowe
Adrian Peterson, Minnesota Vikings
NBCUniversal News Group:
Samantha Power, United States Ambassador to the United Nations
Kevin Hart
Sage Kotsenburg, Olympic athlete
Matt Lauer
Savannah Guthrie
Al Roker
Natalie Morales
Carson Daly
Julianna Margulies
Brad Paisley
Kimberly Williams-Paisley
Gloria Estefan
Emilio Estefan
Spike Jonze
William Bratton, New York Police Department Commissioner
Sen. Patrick Leahy (D-Vermont)
Tony Goldwyn
Hayden Panettiere
Jesse Tyler Ferguson
Eric Stonestreet
Sofia Vergara
Jeh Johnson, secretary of Homeland Security


text:
Two images from Sunday night's Giants game can provide a little comic relief for a baseball team and a fanbase that's definitely in the dumps today. Read »
It's not a huge shock to lose the second baseman, but it's at least official: Freddy Sanchez is done for the remainder of the 2012 season after undergoing back surgery. Read »
With Pablo Sandoval missing for the next few weeks, it appears that there are plenty of candidates to play third base for the Giants. Read »
With Freddy Sanchez shelved indefinitely, the Giants are looking for infield help. Read »
Finally! The Panda is back in the lineup to give a much-needed boost to the Giants lineup. Read »
The Giants have been through their fair share of devastating injuries so far, now they can add another big one. Read »
Freddy Sanchez signed a one-year extension with the Giants that will reportedly pay him $6 million in 2012. Read »


text:
Responsiveness of Physician Prescription Behavior to Salesforce Effort: An Individual Level Analysis
- 463 Downloads
- Citations
Firms in many industries, e.g., pharmaceuticals, spend a significant amount of marketing dollars on salesforce effort. However, there exists very little research examining customer response to salesforce effort at the disaggregate level.
We use data from a pharmaceutical category to examine the response in prescriptions written to salesforce effort (detailing). We use a hierarchical Bayesian count data model that allows us to estimate individual physician-level response parameters.
We find that while detailing has positive impact on prescriptions written, there are diminishing returns to detailing for most physicians in our sample. We use our results to show how detailing reallocation can increase revenues.
Unable to display preview. Download preview PDF.


text:
Aww: Clinton Supporters Whining About Not Being Invited to Chelsea's Wedding
Filed Under Politics | 2 Comments
It's a shame these days that you can't rely on greedy, backstabbing, malfeasant grifters to reward you for all you did for them in their time of need:
So, just what does it take to score an invitation to the hottest — not to mention most secretive — political wedding of the summer? More than a cross-country ride on a private jet, apparently.
"I'm good enough to borrow a plane from, but not good enough to be invited to the wedding?†complained one Clinton friend, who remembered the times he handed over his jet and his pilot to take Bill Clinton around the country but had not landed a coveted invitation to Chelsea Clinton's nuptials.
First of all, I don't personally know any men who would be upset to not be invited to somebody's wedding — but that's just me.
There are no real friends in Clinton-level politics. The only thing that matters to people like Bill and Hillary is "what have you done for me lately." Clearly the answer to that question as it applies to the above whiner is, "not nearly enough."
This guy shouldn't fret though… as of right now the guest list is full, but I'm sure at least one or two invitees will go to jail before the wedding, so a slot will probably open up.
2 Responses to "Aww: Clinton Supporters Whining About Not Being Invited to Chelsea's Wedding"
Clu Seatoe on
July 24th, 2010 5:41 pm
He's only 32. He must have parents too.
I can't imagine anyone deliberately and with eyes wide open wanting to relegate himself to such a dungeon. I could be wrong but, I don't see her ever choosing him over them. How long she keeps the name will be an indication.
neighbor on
July 25th, 2010 1:54 am
Is this site a parody? It is really quite funny.
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Linksys is a computer co and is symbolized as a mark of trust when it comes to the\nmanufacturing of routers. The company was founded in the year 1988 and is a\npioneer in the manufacturing of network equipments that also includes the wired\nand the wireless routers.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.
Linksys is a computer co and is symbolized as a mark of trust when it comes to the
manufacturing of routers. The company was founded in the year 1988 and is a
pioneer in the manufacturing of network equipments that also includes the wired
and the wireless routers. After its purchase by Cisco, it was later bought by Belkin.
You have the choice to purchase the home routers from Linksys like the Valet
M10 and the Valet plus M20. Both these devices came in the market when the
company had been taken over by Cisco. These products are labeled as products of
Cisco but the support is provided by Linksys.
Support for Linksys
You can get the Linksys support by the experts of the company in the form of
software download, phone or chat etc and this is for all products that also
includes the routers. It is important if you have the knowledge of the router
number and by this, can get the fast support from Linksys website.
Linksys phone and live chat support
If the router of Linksys is in a state of warranty, you have the good luck of getting
the free technical support during this period. You can trace the customer care
number from the support page of the authentic website of the company. For the
instant chat options, you can go to the link Start live chat and is extremely
beneficial for the router related issues and also the tech support for router
popup. Apart from this, you have the option for the Linksys forum support for the
routers of all categories and are lucky to get the expert advice for the resolution
of the problems like pop ups and much more. You have the option to contact the
expert by sending the email.
Live tech experts for Linksys router solve some of the problems as mentioned
Issues related to the connectivity
Problems related to the slow speed
Recovery of the password and set up
Issues related to the configuration
Problems related to the weak signal
Problems related to the reset of Linksys router
Issues related to the networking
Router pop up related problems
& much more
There is genuine third party service providers offering the best of support in all
the areas related to the Linksys router. You can dial the number mentioned on
the official websites of these service providers or else can contact the Linksys
professionals for any assistance. Be assured regarding the satisfaction as far as
the resolution of issue is concerned. Many service providers offer 24/7 assistance
for Linksys router.


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Posts Tagged 'opencamp'
Fall 2010 conferences
Hard to believe that 2010 is already more than half over. I have three speaking engagements coming up where I'll be presenting Joomla Development Tools and Tricks. It's the presentation I originally gave at J! & Beyond as well as JoomlaDay New England.
First, I'll be at OpenCamp in Dallas on August 27th – 29th (that's next week!). OpenCamp is targeted at Joomla, Drupal, and WordPress users. There's a huge lineup of speakers from the CMS community, as well as the general tech community at large. Tickets are still available, so grab them!
Next, JoomlaDay West will be held in San Jose, California October 1-3. They're still accepting proposals for talks, so get yours in while there's still time! This one features not only a regular conference and an unconference, but a "hackable" conference where you can either attend sessions or add your own. Sam Moffat and Andrew Eddie will be flying in from Australia, so what's your excuse for not coming?
Finally, the first ever JoomlaDay DC will take place on October 16th. We have an early bird rate of $49.95 that expires on August 31st, so sign up today! We have speakers from our local NoVA JUG, as well as ones from the East Coast and beyond.


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The Condemned Trailer (2010)
"Vengeance is a Bitch" 27 September 2010 234 mins
Jesse is a fighter who is kidnapped and indoctrinated by a group of female vigilantes who exact brutal justice on men who commit crimes against women. Jesse is reluctant to join them, but eventually she sees the wisdom in their ways ... until their next victim is Jesse's last love. B. Skow has created a modern porn classic featuring two of the hottest Vivid girls to ever grace adult camera.
Watch the official The Condemned 2010 trailer in HD below.


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One 'obese' daily service at South Lanarkshire Crematorium
Funeral directors have been told that South Lanarkshire Crematorium can only accept one obese dead person each day.
The facility in High Blantyre can only usually take one coffin, weighing 21 stone (140kg) or more, on any day.
South Lanarkshire Council said the policy was well established for health and safety reasons.
The reason is that large coffins have to be cremated at lower temperatures. Such services are held first each day to avoid the cremator becoming too hot.
Stephen Kelly, head of facilities at South Lanarkshire Council's waste and ground services said: "We are one of the few councils in the country with capacity for larger coffins up to the maximum weight of 285kg/45 stones."
'Dignified service'
He added: "There has been no change in our policy, however, we have been reminding funeral directors that when receiving heavy coffins we must follow certain procedures to ensure a dignified service is given to both the deceased and their family.
"As with all services at the crematorium, we will work with funeral directors to facilitate any request from bereaved families."
Mr Kelly said that "in certain circumstances" South Lanarkshire Crematorium may be able to handle two funerals for larger coffins on the same day.
He added: "However, we require to follow government regulations such as The Health & Safety at Work etc Act 1974 and the Provision and Use of Work Equipment Regulations 1998 in respect of the use of all work equipment.
"There are also certain Scottish Environment Protection Agency regulations and manufacturer's instructions that we must follow as the cremation process requires to be started from a lower than normal cremation temperature."


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G2 Review-OpenMoves vs Salesforce Marketing Cloud
If you need to attract new and existing customers, create an email campaign, maximize your conversion, improve your search results, or overhaul your Web site, or create interactive 3D web pages, the OpenMoves team can help. We use our technology, business, marketing, creative, and programming skills to create solutions tailored to your business.
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Article Side
Online Article Directory!
The Right Label Printer affects the Success of your Marketing Campaign
We are in the digital age, so expect to see new gadgets, technologies, and all other advances all the time. These innovations will give you the urge to improve your own business in order to keep up with the changes. You might want to update your system, expand your business, and improve your marketing program. Primary of all will be the enhancement of your marketing campaign. Because you need to put your brand out there in order to win the battle, you need to focus on improving your campaign.
Improving one's marketing program can be a bit challenging especially for small businesses on a limited budget. But if you know what you want to achieve, surely there are more than one way to gain success. For an easy start, why don't you try your hand at label printing? One way or another, your products will need some form of label to communicate your brand and important business information. It doesn't matter what kind of product you sell. A well designed label will help you put your business visible to people.
Of course, it is important that you create an impressive and durable label. You have to use high quality ink and paper to guarantee the quality of your material. It's easy to get tempted to print your labels on your own in order to save money. However, getting remarkable labels will require professional help. If you want to give people a good first impression, then forget about in-house printing and team up with a reputable printing company. To guide in finding the perfect printer best suited for your need, follow these pointers:
1> Look at feedbacks and testimonials. The best way to determine if the printer you are considering has a good reputation in the market is to get feedbacks from their previous clients. You can easily read these from the printer's website, but if you want to go the extra mile, you can personally contact their clients. This will give you a good idea on what people are saying about the printer.
2> Check their process. Does the printer provide quality control? Is their printing process remarkable? How does the printer handle delays and setbacks? These are guide questions that will help you find a printer that will deliver on their promise.
3> Look at the experience. The printer has to be in the business for quite a while to be considered an expert. This will give you the assurance that they know what they are doing and can really provide you the quality of work that you look for.
4> Ask for samples. Don't hesitate to ask for sample labels from the printer to personally see the kind of printing you will get. If the printer refuses to give you sample, leave them and look for another one who will be willing to show you samples of their previous work.
With the technologies available today, it should be easy for print shops to provide high quality printing services at the quickest time possible and at a competitive price. Keep in mind that the kind of printing you get will play a huge role on the success of your marketing campaign and your business as a whole. The right printer will be a huge asset to your business, so be sure to find the perfect printer for a job well done.
Robert Johnston - About Author:
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MOVIE SYNOPSIS [ +16 years-old ] With direction of Brandon Beckner, this film in English (original language) was presented in 2008. This film, a creation of Brandon Beckner and Scott Sampila, was produced in USA. You can watch Remarkable Power online on TV cable or theaters with original audio in English at different dates. This film premiered in theaters in 2008.
Rating: 5 by 272 users./
Runtime: 91 minutes
Whitney Able, Tom Arnold, Jordan Belfi, Sandra Hess, Dulé Hill, Kip Pardue, Evan Peters, Jack Plotnick, Johnny Messner, Kevin Nealon, Bob Sapp, Christopher Titus, Steve Vinovich, Nora Zehetner, Lisa Arturo and Stephen Keys.
91-minute film (full movie) directed by Brandon Beckner.
The original audio of Remarkable Power has dialogues in Dolby Digital, it was produced in USA.
It premiered in cinemas or television in 2008.
Screenplay written by Brandon Beckner and Scott Sampila.
Damián Acevedo.
Scott Sampila, Jerod Foos, Tom Arnold, Mark Lawrence, David Florimbi and Mykel Denis.
Composed by Tony Tisdale.
Dalton pictures, Gravitas Ventures, Arsenal Pictures and Mti Home Video.
Without commercial breaks, the full movie Remarkable Power has a duration of 91 minutes; the official trailer can be watched in streaming on the Internet. You can watch this full movie free in EnglishDolby Digital 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, Remarkable Power in FULLTV Movies.


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4.0 Performance Chip
Hey guys i got a question.
Ive seen Jet chips and venom 400 performance chips advertised on tv and in magazines. Does anyone have one of these installed in their 4.0? And if so does it work? Likes dislikes? MPG. Let me know, I need a little more uumph out of my 4.0. (I dont want to change the gears because i got the lovely automatic and i need to travel on the highway without running at 3500 rpm.)
ive hird stuff here and there but i wouldnt bother with it, the dollar to hp isnt even worth it
I have to have a chip in my Z but I will share my experiences with you. If you insist on a chip/prom flash find a good programmer and have him do it custom. Prefabbed crap almost never gets your motor set right like a programmer can. One guy with a camaro LOST 5hp by putting a jet chip in.
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A 2 bedroom suite can be shared with up to 7 other persons.
Those are all the amenities in the suite, excluding what you can enjoy outside your booked rooms. If you book a suite where at least two bedrooms inside, you are offered some public facilities that you shall share with other guests, e.g. spa, pool, and things.
Rumor has it that nearly all Las Vegas' star hotels offer 2 bedroom suites Las Vegas that are completed with tempting amenities including 2 bedrooms, i.e. one master room and one guest room, one living room, one bathroom in each of the bedrooms, some sofa-beds that are almost as large as the size of queen-sized beds.
© 2005-2017 Wayne Home Decor. Reproduction without explicit permission is prohibited. All Rights Reserved. Theme by D-ELITE


text: Not a Witty Title or a Summary Browsing Shortcuts: Thumbs Up and go next:"2" Key Thumbs Down and go next:"1" Key Go right:Right Arrow Key Go leftLeft Arrow Key New Comment:"C" Key Adjust content blocking draxdiesel Channel: fucking-history next random Comment Top NextComment Not mine as you probably guessed from that nice big box saying "cool material," right there. next Tags: Time | is | an | Illusion | Lunchtime | doubly | so I'll. searched E News Feed Top Hews " Most Recent E facebook Whet' e on your mind? l Abe Lincoln Going to the theater tonight with the mews..- got private look seats, baby. were we I Comment . Like it John Willies amen likes this, Ben Franklin Signed up the declaration of independence today. Bowen, England. Ithit were ago - Comment , Like Frame likes this, 3 a Engine Tm new up new 25 minutes ago . Like IMI! John Adana Bring it. l 25 minutes ago . Like Beet Franklin You mm om? stand a ' ramree. if 15 minutes ago . Like Thomas Him? More Eire . ? 8 minutes ago . Like or it!' John Hasanaat ? Butthat wen. 5 minutes ago . Like Beet So we gathered. if 2 minutes ago . Like no Ancient Asteroid is hittin' up earth today, if ya know what I mean. 55 million were ago . Comment . Like YE! Tyrannasaurus Ren 5 minutea age . Like Triceratops minutes age . Like Ill - Earth Fhic MI minutes age . Like Ewe "mauve iri 12 minutea age . Like Cele maia Space Shuttle passing into the atmosphere on our way back to Earth! The homecoming party is gonna be weep T were ago , Comment - Like Control -uh, guys? tit", 25 minutes ago . Like Galileo So mots out the earth... goes around the sun. who knew'? will were we ' Comment I Like Copernicus likes this, The CHEN meme and you ' I 1 hour ago . Like Galilee Melting- We an feel. ET min atee age . Like y ..1 The CHEN helm rapilight seriously out it out bro LI' wrath mane i l 42 minutea age . Like id Galilee Ne Pm riot, "hm''. Want to we my Hui? r ' at M minutea age . Like i. The TEN SHUT YOUR - THU SHUT IT RIGHT HEW. l 29 min atee age . Like Charles Darwin Crazy news... looks like all living creatures evolved from more basic forms otter millennia. I 151 were we 'Comment 'Like The CHEN mean u drinkin' titre? I 40 min atee age . Like Charles Darwin l' - Andr' I nitrates- 27 min atee age . Like l The Eatler: h 'EDD DRUNK WOULD ALL h' JUST SHUT UP E l 25 minutea age . Like Julina newer My boys pulled together a lil' get together at the case tonight. r Gonna be killer party. 2053 were we ' Comment ' Like Binnie Oh it' ll be killer alright. El hours age . Like y Julieta Cir Hahah dart be creepy, dude. it houre age . Like i Gee Hells? Anyone? EDIE! were ago (according to The Holy Bible) - Comment . Like T dew ago . Like God created Light God Let them be it. T days ego . Like ii, God created the wow and the Earth H on created Adam God more do better 1 day we . Like I' God created are do God and The snake Eire this. 1 damage "Like P, The Churn I like the that kid better. l lilo houre age . Like i were and Eve created Original Sin fr The CHEN lime the. E. more age . Like learns Don' t worry Dad, I get he it hours age . Like Tea nic bitchslapped a pussy lil' iceberg on my way to NY are ye are ago . Comment , Like leel: rarg Git do you new? 2 houre age . Like antic 'roan moire, you wee anew! HAHAHA 1 hour ago . Like IL mum Say, 55 minutea age . Like new T? 42 minutea age . Like Iceberg ween auditor near? 30 min atee age . Like The Three String Quartet T, you were more played"? 25 minutes ago . Like Nope. main' Itrite me. 20 minutea ego . Like Isaac Newton God damned apple fell out of a tree and hit me on the heal 334 were w ' Comment I Like hear: Newton Whoa, wait a -.- 25 minutes ago . Like Elder Posts _ ... +197 Views: 10001 Submitted: 11/04/2012 Facebook Twitter Google+ Tumblr Pinterest Unblock User's Content Block User's Content Unblock Channel Content Block Channel Content Related Top Content: Reformation Memes 509 Opium Wars 88 23 August 1595: Battle of Călugăreni 36 50 Years Ago Today 14 The Wright Brothers 7 The Brisbane Line 1


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Full Description
Live bass does not live at floor level alone. It emerges, sometimes gently, sometimes with violence, in sheets and clouds. Live bass strikes our bodies from head to foot and pressurizes in ways no single sub can effect. It is for this reason that we have made available special connectivity allowing the use of multiple units, typically stacked in towers and rails that provide stability and limit the likelihood of scratching the finish on lower course Gibraltar in a tower. For the finest systems, the appropriate stack of G-1 or G-2 is the memorable and deserving final touch that transports the listener on a journey they will never forget.


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Listen Up! Rock
Review by Greg Magarian
The Milwaukee Journal — January 12, 1986
Tom Petty and the Heartbreakers — "Pack Up the Plantation — Live" — MCA
This two-record set documents Petty's rise to the heights of the American rock scene, a process crowned b last year's outstanding "Southern Accents" LP. The album is programmed as well as it is time, containing solid performances of most of Petty's big hits — "Breakdown," "The Refugee," et al — along with some great cover selections.
Petty is no Springsteen on stage; most of the tracks are simply energetic recreations of the studio versions, with a little more room for ace guitarist Mike Campbell to cut loose. Petty does transform one of his best tunes, "The Waiting," from a standard rocker to a spare, restrained slice of pathos, and Stevie Nicks shows up to add vocal support on "The Insider."
But the real treats for Petty fans are the covers — another Nicks duet on "Needles and Pins," a party-velocity "Shout," and faithful cracks at "Don't Bring Me Down" and "So You Want to Be a Rock 'n' Roll Star" that will make you forget the '70s ever happened. The mix of such inspired cover choices with a well-performed bunch of Petty's own standouts make this album a good bet for anyone who still loves rock 'n' roll.


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- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
43 € / person / night, no meal
Description of the Accommodation
Rooms, services Mk berlin Berlin is offering 24 tastefully furnished rooms to those seeking accommodation in Berlin. Parking possibility is available nearby for guests arriving by car. Your valuables may be the safely secured in the safe. If you have a suitable portable device, you can connect to the Internet via a wireless network (WiFi) available at the hotel. If you wish to learn more about the exact scope of services provided by mk berlin Berlin (including any available for an extra fee), you will find them on the information sheet below.
Payment Credit card guarantee or advance bank card payment may be required for the reservation, depending on the chosen room, date and price.
Arrival, opening hours The earliest time for arrival and check-in is 14:00, the latest time for departure and check-out is 11:00. The personnel of the hotel can speak with you in English and German languages.
mk berlin Berlin rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Parking (12 €/night)
Free WiFi in shared places
Elevator, Safe deposit box
Desk in the room
General Policies
On Saturday and Sunday: 7:00 - 14:00


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L.E.D. Readers
Now you can read in the dark! Great for anyone who likes to read on a plane, train, bus or in bed. Our LED readers come in various colours and patterns to choose from. If you can't decide on which colour to choose from why not get 2 pairs and save when you purchase our LED Giftbox! Found in our Giftbox section on the website.
- Sort by Default Order


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- Product 720120
LP Aspire Santana Wood Conga Set
- Write a Review
The Latin Percussion Aspire Santana Wood Conga Set includes 10" and 11" drums with wood shells that are beautifully finished with exclusive artwork f...Click To Read More About This Product
We're sorry-this item is unavailable.
Find a similar product below or contact our experts for a recommendation of great alternatives. Call us at 800-449-9128.Customers Also Viewed:
Summon the Black Magic Woman with this gorgeous wood conga set.
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- 720120
The Latin Percussion Aspire Santana Wood Conga Set includes 10" and 11" drums with wood shells that are beautifully finished with exclusive artwork from Santana's classic album, Abraxas. The LP congas' EZ-Curve rims feature heightened durability, comfort, and a unique skin wire channel. Also standard are 9/32"-diameter tuning rods, reinforced side plates, specially selected rawhide tucked heads, and chrome hardware.
The conga drum set comes with a double-braced, height-adjustable chrome conga stand.
Santana has played an incredibly important role in popularizing Latin rhythms to the masses. A member of the Rock and Roll Hall of Fame, Santana has sold more than 90 million records, performed for 100 million people globally, and won 10 Grammy Awards.
These LP Santana conga drums are offered as a result of the long and celebrated relationship between Carlos Santana and Latin Percussion.
- Santana commemorative graphics
- Hardwood shells
- Durable Cuban-style steel bottoms
- 10"- and 11"-diameters
- Hand-selected natural rawhide heads
- Double-braced, height-adjustable chrome conga stand
Put 'em in the cart!
Reviewed by 1 customer
- Great Sound
Best Uses
- Jazz Clubs
- Small Venues
Comments about LP Aspire Santana Wood Conga Set:
They sound great, include the stand and look very cool. A nice set of LP Congas.


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Level 3 First Aid at Work
This level 3 in First Aid at Work is a regulated and nationally recognised qualification, specifically designed for those who are appointed to act as a first aider in their workplace. It is also ideal for people who have a specific responsibility to provide first aid in voluntary and community activities.
This comprehensive course ensures that you meet recommendations underlined by the Health and Safety regulations and will provide you with the skills, knowledge and confidence to use what you have learned in a real emergency situation within the workplace.
The course provides students with the first aid training needed to deal with a range of first aid situations as well as the ability to demonstrate the practical administration of safe, prompt and effective first aid along with an understanding of the role of the first aider.
When will I start the course and how long will it take?
This course has flexible start dates throughout the year. The course is held at 9.00am-4.00pm and takes 3 consecutive days to complete.
This course will be delivered at Northern Logistics Academy's dedicated training centre in St Helens (Langtree Street, St Helens WA9 1AR).
What will I study?
You will develop the skills and knowledge needed to deal with a range of first aid situations, including: assessing an incident, managing an unresponsive casualty, CPR, heart attacks, choking, head and spinal injuries, fractures, anaphylaxis and more.
You will also study:
- Legal compliance
- Managing incidents
- Examining a casualty
- Conscious/unconscious casualties
- Treating a casualty
- Further emergency action
- General common illnesses
- Basic life support
- First Aid Kits/equipment
How is it assessed?
There will be practical based assessments plus a written and verbal examination.
What are the course fees?
The total cost of this course is £195 per person.
What can I go on to do once I have completed this course?
Upon successful completion of this course you will receive a Qualsafe level 3 qualification in First Aid. This course complies with HSE First Aid Regulations of 1981.
If you wish to pursue a career as Health and Safety practitioner, you could choose to progress on to our IOSH and NEBOSH courses.


text: A beautifully crafted play written by Alfred Uhry (Driving Miss Daisy), The Last Night of Ballyhoo is set in the lively Freitag home in December 1939. The household is flush with talk about Ballyhoo, the lavish ball for Southern Jewish socialites, and the world premiere of Gone With the Wind, rather than Hitler's recent invasion of Poland. The play explores the prejudice in everyday Southern life during the time, but it takes a Brooklyn "outsider" to illuminate the prejudice within their own ranks. In the capable directing hands of RLT's Haskell Fitz-Simons, it is sure to be a spring theatrical treat. Show runs April 8–24 at RTL Sutton Main Stage Theatre. Tickets are $20, $16 students/seniors and $12 on Sunday, April 10. Curtain times are 8 p.m. Thursdays–Saturdays and 3 p.m. Sundays. —Christina Cass


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Golf Cufflinks- 15% discount from 2 Golf Cufflinks & Golfer Ties
The classic range of Sonia Spencer Golf Cufflinks sporting her quirky, humorous illustrations of Golf and Golfer cufflinks are individually hand decorated on bone china tile, fitted with a beautiful silver plated signature finding and presented in a tactile Italian rubber box. The Soprano range of Golf Printed Silk Ties has something to suit everyone from Golfer ties styles to our Golf ties.
|3507 Golfer Cufflinks
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© Copyright 2007, Leadenhall Suit Company (Norwich) Ltd.
Leadenhall UK™ is a Trade Mark of Leadenhall Suit Company (Norwich) Ltd.
LeadenhallUK.com is the Online Shop for Leadenhall Suit Company (Norwich) Ltd


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Poulsbo RV Kent
Featured Business
Genesis Automotive & RV Repair, Inc.Schedule Appointment
6220 S Tacoma Way
Ste 1
Tacoma, WA 98409-4103
16.3 miles away
"Shane said the service was fine."
Review for Poulsbo RV Kent
Marvin B. on 06/09/2011
Marvin said he gave a rating of 3 for overall satisfaction because he does not completely trust what this business says. He said communication was not satisfactory because this company lied about a need for an oil change. Marvin went to another business and found out the oil change was not needed. He also does not trust the recommendations for changing a cracked light and a battery. He said the quality of the workmanship on the detailing was not as good as the first time he had it done and he is not certain they really did much work on the RV. The RV was at the business 2 days and he expected it to be done the same day. The business never called to alert him to a delay. He said he spoke to the management about this delay problem. He would not recommend this business because of his distrust of what this business says. He said he is afraid to have this business see his opinions because he may have to deal with them again in the future.
Category: Service
Service Date: 06/03/2011
Review Created: 06/09/2011
This review was collected via phone interview by Customer Research Inc.
scott T. at Poulsbo RV Kent responded on 06/14/2011
"PERFORMED SPRING SIGNATURE SERVICE ON UNIT. LUBED CHASSIS, DEWINTERIZED,FILLED FRESH TANK FULL,PERFORMED 15 POINT INSPECTION,VERIFIED ROAD READY. ON 15 POINT FOUND HOUSE BATTERIES CONNECTIONS CORRODED,NO CHARGE TO HOUSE BATTERIES FROM ALTERNATOR.GEN SET 1/2 QT LOW,FRONT ICC LIGHTS SEALANT SPLIT OPEN AND ONE LENS CRACKED. GAVE CUSTOMER ESTIMATES FOR REPAIRS. CUSTOMER DENIED AT THIS TIME. UNIT IS IN GOOD SHAPE AND IS ROAD READY FOR RV'ING." Marvin, The above are quotes taken from your $39.95 Spring Signature Service. Oil changes are based upon mileage, or time because oil is an organic compound and it breaks down even when not in use. You are meant to change your oil in your genset and chassis at least annually. Also it is important to note that your light is cracked, and the sealant that surrounds it and keeps the water out of your coach is as well. I recommend you have someone take care of that immediately as water is the silent killer of RVs. While performing the inspection we verified your battery connections are corroded which isn't uncommon, and at the time of the inspection we weren't getting any charge from your alternator which I am sure will be covered under your 3 year 36,000 mile Ford warranty. Scarrf Ford in Auburn can take care of that for you. We appreciate the feedback and I will call you to ensure you have the right direction to get your issues taken care of. Thank you, Scott Twomey Service Director


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(Adapted from:D.T. Hall:Practical Marine Electrical Knowledge). High Voltage on Ships, Safety, Equipment Testing. High Voltage on Ships.
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32 to 1: No. 16 Chargers need to turn up the heat right from Week 1
The Chargers were one of the NFL's biggest surprises in 2013, bouncing back from a 5-7 start to win their final four regular-season games, qualify for the playoffs and shock the Bengals in the wild-card round.
They were relatively quiet during GM Tom Telesco's second offseason, focusing more on re-signing key contributors than making a big splash on the free-agent market. The Chargers re-signed linebacker Donald Butler and guard Chad Rinehart, and center Nick Hardwick announced he'd return for an 11th season in San Diego. The Chargers' offensive line — bolstered by the additions of Hardwick, King Dunlap and rookie DJ Fluker in 2013 — will return all five starters in 2014. That's music to quarterback Philip Rivers' ears as stability on the offensive line hasn't exactly been a hallmark of his 10 years in San Diego.
Though it didn't make headlines, Telesco was also able to craftily restructure deals with high-priced veterans Dwight Freeney, Jarret Johnson and Eddie Royal.
Wide receiver Vincent Brown, entering his fourth NFL season, created significant buzz with his play and form throughout the team's recent OTA sessions. If he can be what the Chargers fans have long hoped for, the receiving tandem of Brown and second-year wideout Keenan Allen could end up being one of the sneakiest, if not most dangerous, young receiving duos in the league. Tight end Antonio Gates is back and reportedly healthy, and wide receiver Malcolm Floyd is still on the depth chart, as well.
The drafting of Jason Verrett in the first round and the signing of free agent Brandon Flowers provides depth at cornerback, one of the team's weaker spots a season ago. Neither player will necessarily start in Week 1 — Richard Marshall and Shareece Wright could be the top two corners in San Diego — but both will undoubtedly make an impact in John Pagano's defense. Donald Brown joins the Chargers as an additional running back option alongside Ryan Matthews and Danny Woodhead. Consistency and depth were the keys to the 2014 offseason, and there's no reason to believe the Chargers can't play all of this season like they did toward the end of 2013.
In a division with Super Bowl contenders Kansas City and Denver and much-improved Oakland, San Diego will need to be more than just a second-half team. The Chargers will need to bring it from Week 1.


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Is Industry 4.0 the New DotCom Boom?
Posted on April 3, 2017
Fear stalks the land. The Robot Apocalypse is nigh, destined to steal our jobs and our future. Worse yet the machines are made elsewhere (Germany, Japan, even China) and America is being left behind in the race for manufacturing prowess.
We've heard this story before. In the late 1980s, the U. S. computer memory industry had been decimated by Japanese and Korean competition. To the Cassandras, this meant that the U.S. had forever lost the global economic race and was destined to become a second-rate power.
Nothing could have been further from the truth. The prerequisites for U.S. global dominance of the technology world were already in place. Within a few years, U.S. prowess in personal computers, microprocessors, and digital networking would lead to a capital investment boom and a stock market bubble not experienced since the 1920s. Stock market fluctuations notwithstanding, the global growth of the Internet has not abated since.
For all its impact, the Internet has touched only a relatively small portion of human existence, focused primarily on media, entertainment, telecom and more recently retailing and finance. The larger world in which we live, the world of things and physical interactions has, until now, been only lightly touched. But that is going to change – and change in a huge way.
Imagine Amazon on Steroids
The world of digital automation is at the same stage as the internet in 1993, when the Mosaic browser was introduced and we first discovered the wonders of the World Wide Web. The technologies are in place for a boom that will transform the global economy and, in the process, create new opportunities for better jobs and better lives. And once again the U.S. is asserting its leadership role in developing the critical technologies.
Today Amazon utilizes highly advanced predictive analytics and automation tools that plan … read the rest
Categories: Amazon, Automation, Business Acquisition, Business Sale, Economic Growth, Economics, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, Globalization, IIoT, Industries, Innovation, Internet of Things, Internet Retail, IoT, M&A, Mergers, Mergers and Acquisitions, Robotics, Software
Tags: Tags: Automate, Automation, Business Acquisition, Business Financing, Business Sale, Business Survival, Economics, Employment, Entrepreneurs, IIoT, Internet of Things, IoT, M&A, Mergers, Robot, Robotics
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Are You Looking to Exit? The M&A Market is Ready for You.
Posted on June 16, 2015
Matt Porzio, Vice President of Strategy & Product Marketing for Intralinks has a unique perspective on the M&A market. Intralinks maintains the leading due diligence secure data room service in the world and, as such, has a window on a high percentage of global M&A activity as deals are being made. Additionally, Intralinks offers a global deal networking service, DealNexus, through which thousands of buyers are provided a window on available offerings, particularly in the middle market. Using this unique position Intralinks publishes quarterly its Deal Flow Predictor gauging future M&A announcements based on the trends its sees in the usage volume of its services. Matt's observations on the current M&A market are presented below.
The M&A market for 2015 is looking bright – kicking off with a stellar start. According to Thomson Reuters, Q1 2015 saw over $854 billion in activity – the strongest quarter since 2007. Mid-market (deal valuation up to $500 million) deal volume was at $188.4 billion, with a year over year increase of 6.2 percent. From all indications, M&A will continue to be a leading growth strategy for companies, with rich exit multiples.
Multiple deal drivers are contributing to this rich environment, including activist pressure on strategics to tighten up balance sheets/refocus on core business lines. Distressed sectors such as oil & gas are bringing a sizeable number of mid-cap deals to market, and the strongest volume of Q1 cross border activity since 2007. Financial sponsors, with plenty of dry powder, are also out to market in full force. According to Thomson Reuters, Q1 saw $171.3 billion in sponsor-backed deals – again the highest volume since 2007.
With financial sponsors coming in with plenty of dry power, deal-makers entering this space must have deep pockets and creative earn-out mechanisms in place in order stay competitive in any M&A situation. … read the rest
Categories: Business Acquisition, Business Sale, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Private Equity, Valuation
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Posted on November 10, 2014
We recently interviewed Peter Lehrman, CEO of Axial, one of the most energetic and innovative companies providing advanced technology solutions to M&A and corporate finance professionals operating in the middle market. Speaking from the "Roosevelt Room" in Axial's headquarters in the Flatiron District, Peter covers a good deal of ground and I highly recommend you listen.
We began with a discussion of the current M&A market and Peter shared with us some highlights of Axial's recent Concord event in New York: a packed crowd listened to various Axial members and panelist experts on the middle market, but for some of them the main event took place outside the lecture hall.
Highlighting this heightened market activity, Peter shared some of Axial's internal data showing a rapid rise in new deal submissions. In September over 1000 new deals were submitted to the Axial site, compared with a recent average of 750 submissions a month. Just-released data shows that October submissions grew again to more than 1200. No word yet on whether this will bridge the imbalance between buyers and sellers.
Axial recently completed an $11 million capital round with Comcast Ventures. Peter envisions this capital helping Axial become the go-to meeting place for all participants in middle market M&A. Their target community includes private and public companies as well as the professionals who advise them with regard to strategic relationships and transactions.
Although Peter was reluctant to share too much about his new product pipeline, he did share Axial's vision for the role of technology in our industry. He firmly rejected the idea that robots and intelligent systems will replace smart and creative deal professionals in the M&A industry. Instead, he believes new systems and apps will make M&A professionals more effective by eliminating many of the more burdensome administrative tasks we now endure. My… read the rest
Categories: Axial, Banking, Business Acquisition, Business Sale, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, Innovation, Interviewees, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Peter Lehrman, SaaS, Software
Tags: Tags: advisors, axial, banking, capital, finance, investment bank, investment banking, lenders, M&A, Middle Market
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How Will the Market Drop Affect Middle-Market M&A?
Posted on October 16, 2014
We've previously reported that 2014 has witnessed a strong market with record valuations for many middle-market merger and acquisition transactions. This market strength has coincided with a powerful boom in public equity valuations as the S&P tripled from its 2009 lows. As the public equity market takes a breather, it's time to consider the possible impact of a more significant equity market correction on middle-market M&A.
First, let's take a look at the reality of the current situation – we are not in bear market territory for the overall market. That requires a 20% decline in value for the major Averages and as of this writing (October 14, 2014) we have only seen a drop of approximately 6%-7% in the broad market indices (S&P and Dow). For some specific sectors, however, this situation is not so sanguine. The energy sector, as measured by the XLE Energy Sector SPDR is now down more than 20%, offsetting gains in other sectors from the reduction in energy prices.
We certainly don't have a crystal ball: while there is plenty of reason to believe that the current sell-off will continue for a while, we can make a good case that the market will move to new highs following the current sell-off. This has happened before; following the collapse of the Russian Ruble in 1998 and amid fears that one of the leading hedge funds of the era, Long Term Capital Management, would fail, the S&P suffered a precipitous 20+% drop from about 1200 to 950 in the summer of 1998. Yet the market quickly recovered and over the following 19 months the S&P climbed approximately 60% to an all-time high of 1500 in March of 2000. A similar trajectory today would show the S&P at 2500 and the Dow at 22,000 by the spring of 2016.
With that … read the rest
Categories: Business Acquisition, Business Sale, Economics, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market
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Knowing When to Fold 'Em
Posted on August 26, 2014
You've got to know when to hold 'em
Know when to fold 'em
Know when to walk away
Know when to run
You never count your money
When you're sittin' at the table
There'll be time enough for countin'
When the dealin's done
If you're a Baby Boomer, you remember well hearing Kenny Rogers' iconic hit, The Gambler. If you're like me, you've often wondered how Kenny's advice might be applied to important business and investment decisions. If you're a business owner who has survived our generation's version of the Great Depression, you need good counsel more than ever.
Perhaps you're feeling pretty good about your prospects – business is improving and profits are as high as you've ever enjoyed. Is now the time to go all in? Or is it time to cash your chips and leave the table for new faces? The story below presents a dilemma faced by many business owners. Names, industry identifiers and other client specific facts have been changed to protect confidentiality, but the dilemma described below is all too real and immediate for many business owners.
Our friend Frank Mayfield (not his real name) recently approached us with a dilemma. Frank founded Limbtronics, a medical device manufacturer, thirty years ago to provide leading orthopedic doctors with specialized tools for performing innovative surgeries on damaged joints and ligaments. Over time, he expanded into manufacturing surgical implants for complete joint replacements. The business has been good to Frank and in 2013 Limbtronics had a record year with revenue of $28 million and pretax profits of more than $5 million.
Over the past fifteen years, Frank has seen several of his competitors acquired by global orthopedic giants such as Medtronic, Stryker, Smith and Nephew, and others. He's been approached a number of times, but never felt the time was … read the rest
Categories: Business Acquisition, Business Sale, Economics, Entrepreneur, Focus Investment Banking LLC, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Private Equity, Small Business, Uncategorized, Valuation
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Is This The Summer of 2007?
Posted on August 13, 2014
(Originally Published on Axial Forum)
The summer of 2007 was a great moment. We were enjoying one of the strongest booms in both the debt and equity markets that any of us had experienced in our lifetimes. Just the sort of markets we've been enjoying for the past year or so. The leveraged lending markets have fully recovered from their low point following the market crash of 2008 and 2009 and volume reached a new high in 2013. While market activity declined slightly in the first half of 2014 from the prior year, current activity levels remain very high.
The question of the day: Are we, like Bill Murray in Groundhog Day, destined to endlessly repeat this cycle with limited ability to prevent a repeat of the disaster that befell us in 2008-2009.
We've just interviewed one of the world's leading authorities on the private debt markets to help us better understand the current state of the debt markets and what this portends for the level of deal activity going forward. Randy Schwimmer was a pioneer in developing middle market loan syndication markets in the 1980s, leading the effort for what is now J.P. Morgan and later BNP Paribas. With a small group of partners he formed Churchill Financial in 2007. They were successful in raising a $1.2 billion loan fund before the financial crash closed the markets and were left with more than $500 million of dry powder after the crash. Leveraging this success, they were acquired by Carlyle in 2011 where they began building that firm's private debt business.
Randy has now left Carlyle to restart his weekly publication covering the private debt markets, which is now called The Lead Left. This has been a must read for years for anyone who wants to understand this arcane and somewhat opaque, … read the rest
Categories: Business Acquisition, Business Sale, Economics, Interviewees, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Monthly Newsletters, Randy Schwimmer, Valuation
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A Whiff of Inflation – M&A Valuations Lead the Way
Posted on July 17, 2014
Since the 1970s, many of us have feared the threat of inflation looming just around the corner. Within the past year, economists and central bankers have led us to believe the inflation dragon has been permanently relegated to a dark hole, never to rain fire on the kingdom of men. We're told that deflation is the real threat and that governments can continually run large deficits without reawakening the dragon. Recently, reality has intervened, however, to remind us that economists and central bankers aren't infallible. U. S. Core CPI and global consumer prices have taken a sharp turn upward.
While this rate of price increase will have profound implications for business owners if it continues, that's a story for another day.
Categories: Andy Greenberg, Banking, Business Acquisition, Business Sale, Economic Growth, Economics, Federal Reserve, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, Inflation, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Monetary Policy, Monetary Stimulus
Tags: Tags: Business Financing, Business Owners, Business Ownership Transition, Business Sale, Business Survival, Economic Stimulus, Economics, Federal Reserve, Inflation, Money Supply, Private Equity, QE2, QE3, Quantitative Easing, Small business, Transition Planning
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2013 Deal Valuations Reach All Time Highs; What's in Store for 2014?
Posted on February 3, 2014
Last March we predicted that middle market business sale values in 2013 could reach all-time high levels. Recent data from Pitchbook confirms that was in fact the case.
Source: Pitchbook
Not only were prices in relation to earnings before interest and taxes (EBITDA) at an all-time high, leverage used in the transactions reached record levels as well. To some extent this reflects a skewing toward larger transactions, but unquestionably we are now back to levels not seen since the run-up to the 2008 financial crisis. History tells us that such heady price levels will not last forever.
So what is in store for 2014? Does weakness in global stock markets mean that the game is over? Or can we look forward to a sustained period of high valuations? Is the past is to be our guide, the current favorable trends in the M&A market have some time to run. We previously indicated that we felt market strength could run through 2014. Recently we have received confirmation of that through a uniquely qualified source.
IntraLinks is the global leader in virtual data rooms with a 30% worldwide market share. For the uninitiated a virtual data room is an online space in which due diligence documents can be securely placed during an M&A process to facilitate due diligence and other deal related activities. As a result IntraLinks has a unique perspective on the merger and acquisition marketplace. They see deals that are moving toward closing as much as six months before any public announcement of the transaction is made. IntraLinks has aggregated this proprietary business intelligence to … read the rest
Categories: Business Acquisition, Business Sale, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Small Business
Tags: Tags: Business Owners, Business Ownership Transition, Business Sale, M&A, Mergers
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Mid-Year 2013 Middle Market M&A Review
Posted on August 26, 2013
Q4-2012 was a heady time for the M&A business and almost every observer of the industry expected 2013 to be the year the deals business broke out of its five year post financial crisis funk. Best laid plans and all that — the low level of deal activity that has occurred to date in 2013 has both surprised and disappointed most industry participants. Yet there are signs that this could change.
During H1-2013, deal volume fell off significantly, reflecting a cleared pipeline after the year end burst. Fortune reported that global M&A announcements for Q2-2013 were the slowest since Q3-2009. The U. S. market fared comparatively better, with the dollar value of announced deals up 34% year to year in H1 2013. European activity on the other hand collapsed 43% with the Euro crisis and continental recession still in full swing at the time. Even the relatively high level of U. S. activity depended in great part on the announcement of two large deals (Heinz and Dell) at the beginning of the year. Without those announcements the U. S. market would have appeared lackluster at best.
The middle market companies we represent depend on both strategic and private equity buyers for business exits. Most M&A industry observers believe that bulging corporate coffers and slow, organic growth will eventually dictate a strong increase in strategic M&A activity. With the exception of a few target sectors, particularly IT related businesses, this corporate gold rush has yet to materialize. As a result, private equity will be a more important source of buyside demand, at least for the near future.
PitchBook publishes a comprehensive analysis of U. S. private equity activity. Their first-half summary tells the story:
"Dealmakers were optimistic heading into 2013, anticipating one of the most active years for private equity (PE) investment since the financial … read the rest
Categories: Business Acquisition, Business Sale, Entrepreneur, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, Globalization, Investment Banking, M&A, Mergers, Mergers and Acquisitions, Middle Market, Small Business
Tags: Tags: Business Acquisition, Business Owners, Business Ownership Transition, Business Sale, M&A, Mergers
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What Does the Fed's Prediction of Increasing Growth Mean for Business Owners?
Posted on July 2, 2013
(Click on Picture to Watch Video)
Last month Chairman Bernanke spoke and the markets reacted by dropping more than 5% in a few days. Clearly he must have shared some very bad news for business owners.
Actually not! Coming into the year many observers thought that the federal budget sequester would put the economy at risk of stalling at best and dropping back into recession at worst. Instead the Fed now foresees annual economic growth at 2-2.5% this year, moving to as much as 3.5% by 2015. And it's the private sector that's carrying the load, not government programs.
Let me say that again. The Fed now believes that growth is going to accelerate over the next several years. As a result the economy may not need so much artificial stimulus (QE) going forward. The economy is no longer digging a hole; we're back to building a foundation of real economic growth.
What does this mean for the deal business and for private companies considering M&A or corporate finance transactions? Bottom line: there is going to be much more demand for capital to fund growth. Unless the banks step up to the plate, which we believe is unlikely, this capital must come from private lenders and equity providers.
The good news is that there is a great deal of financial market capital available to meet this need. We just closed a mezzanine financing that gave us a good window into the market's current appetite. Over the past few years, major investors have made significant financial commitments to entities designed to fill the void left by banks which have abandoned their commercial lending franchise. As a result today there are numerous private debt providers seeking opportunities to provide senior, hybrid and mezzanine capital to private companies. Where equity capital is needed, private equity groups are … read the rest
Categories: Alternative Financing, Asset Based Loans, Bank Credit, Bank Loans, Banking, Banks, Business Acquisition, Business Sale, Commercial Loans, Community Banks, Economic Growth, Economic Stimulus, Economics, Federal Reserve, Fiancial Regulation, Financial Services, Focus Investment Banking, Focus Investment Banking LLC, Focus LLC, M&A, Mergers, Mergers and Acquisitions, Monetary Stimulus, Private Equity, Revenue Based Loans, Shadow Banking, Tranche B Financing
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We didn't sack office worker over pregnancy - Thornton's tell tribunal
A woman who worked for Michelin star chef Kevin Thornton claims she was sacked from his award-winning restaurant because she was pregnant.
Aisling Neidhard, who worked in the office of the celebrity chef's restaurant last year, claims his wife Muriel asked her if she was a newly-wed and if she planned on having children during her job interview.
However, Mrs Thornton – who runs the popular fine-dining restaurant with her husband – strongly refuted this claim in the Employment Appeals Tribunal yesterday and said Ms Neidhard's contract termination was a genuine redundancy due to financial difficulties.
Mrs Neidhard first met the Thorntons when she interviewed in 2013 for the position of sales, marketing and office manager within their restaurant, which is based in the Fitzwilliam Hotel in Dublin. She was unsuccessful due to her lack of experience in the sales department, said Mrs Thornton.
However, she said she admired Ms Neidhard's enthusiasm and asked her to work in the office on an eight-week contract until she filled the role .
A suitable candidate was found, but it was decided that the woman who was due to assume the role needed help in the office while she established a database late in 2013.
She was also due to take time off for her honeymoon in January 2014, so Ms Neidhard's contract was extended to provide cover for that period.
Mrs Thornton told the hearing they were experiencing financial difficulties in the business at that time and explained they had incurred losses of almost €80,000 in 2013. In February 2014, she said that she would have to make redundancies and one staff member was let go from the kitchen.
Mrs Thornton told the tribunal that on the morning of March 4, she invited Ms Neidhard to meet her.
It was there that she then told the expectant mother, who informed her of her pregnancy at the end of January, that she was being made redundant.
"She was upset, which I understand. She said she was shocked but I don't really understand how she was shocked," Ms Thornton said. The company director claims the former employee was aware that business was slow.
Jadel Naidoo, BL for Ms Neidhard, told the hearing that his client claims she was asked in her job interview if she was a newly-wed and if she planned on having children soon. However, Mrs Thornton strongly denies this.
"I had a very good relationship with Aisling. I was thrilled for her (when she told me she was pregnant)," she added.
Mr Thornton was the first Irish chef to receive two Michelin stars.
The hearing continues.