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Petkin Pet wipes are immensely handy acquisitions for every pet parent and facilitate quick cleaning on the move!
These Pet Wipes from Petkin are a multi utility product. This will help you to maintain a neat clean cat or dog at all times. These can be used to clean your pet's paws after it goes into the yard or just to freshen him or her. This will help to remove all grime and dirt from your cat or dog.
These pet wipes for dogs with 100 wipes and 200 wipes ,come with special veterinarian formulas that offer instant cleaning and keeps your furry friend's coat shiny and glistening at all times. Generous doses of aloe vera are present in this formula apart from vitamin E which moisturizes your pooch's coat with aplomb apart lending it the much coveted shiny look and feel.
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Petkin Petwipes
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Aug 6, 2018
HSBC 'cautiously optimistic' about growth despite trade tensions
The bank said Asian economies remained robust despite growing trade tensions. China is embroiled in a trade war with the US, which is escalating, and could derail global growth. In June, HSBC's new chief executive laid out a growth plan which involved greater investment in China. Mark Tucker, group chairman, said in a statement: "We remain cautiously optimistic for global growth in the remainder of the year. In particular, the fundamentals of Asia remain strong despite rising concerns around the future of international trade and protectionism." John Flint, who was appointed chief executive earlier this year, said in June HSBC would invest between $15bn and $17bn over the the next three years in areas such as technology and China.
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The best place near Bowling Green to buy, service or repair your Volkswagen is in Evansville at D-Patrick Motoplex
Welcome to D-Patrick Motoplex's website! We are a proud new and certified pre-owned VW dealer, located near Bowling Green, Kentucky. We enjoy working with Bowling Green Volkswagen car shoppers, service, and auto body repair customers.


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An unnamed member of the Iron Horsemen Motorcycle Club died in a motorcycle crash while fleeing from police Tuesday night in Hamilton, Ohio. Hamilton is a suburb about 15 miles north of Cincinnati. More than thirty-six hours after the incident, police continue to guard details of what happened. According to public accounts, Hamilton police stopped […]
Archive | September 6th, 2018
Iron Horsemen Killed
September 6, 2018
Free "The Egyptian" Day Six
September 6, 2018
John "The Egyptian" Kachbalian, the retired Pagan who was locked up last Friday for commenting about a pending murder trial on his Facebook page remains locked up today. A detention hearing yesterday was continued without a ruling. In addition to ruling that Kachbalian must stay in jail, Judge Bernard DeLury restrained Kachbalian and his attorney […]


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Full Video: https://www.youtube.com/watch?v=1KFTw8xhqtc&t=4s
I filmed a build at BMR Autowerkes on this 2018 BMW F80 M3 LCI II 2. It went in for a full overhaul costing around $25000 in total!!! Theres the custom colour BC Forged Wheels, the carbon fibre aero kits all around the car and who can forget the Akrapovic Exhaust for the BMW M3! This F80 M3 is lowered by a H&R spring kit to create a nicer stance. This is all the aesthetic modifications you would need on a BMW F80 M3 before going into the power upgrades. The M performance carbon additions go well with the more aggressive rear diffuser and front lip. Ultimately one of the most aggressive stock body M3 I have ever seen in real life.
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Filmed on Lumix GH5, DJI Mavic Pro


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In April, Partnar Animal Health organized two days of bovine ultrasonography training on behalf of the Ontario Assoc of Bovine Practitioners. Dr Jill Colloton was the course instructor and we had 11 vets take the introductory course and 10 take the advanced. It was a great day of bovine ultrasound training!
Partnar Animal Health Holds A Bovine Ultrasound Wet Lab in Canada.
Bovine Ovarian Ultrasound, part 1
Images submitted by: Dr Kevin McSweeney, DVM Bovine Reproductive Specialists Loveland, CO


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One of the great tragedies of contemporary Indian politics is the corrosion of the autonomy of our law enforcement agencies. It probably dates back to the Emergency in the mid-70s, after which every political party has continued this unhealthy practice with varying degrees of doggedness. The independence of these agencies is a cornerstone of any vibrant democracy. The other large democracy, the USA, has seen this battle play out in its history. John Edgar Hoover, the legendary head of the Federal Bureau of Investigation (FBI) for 37 years, battled with several American presidents. Recently, we have seen how American enforcement agencies and the US Congress have been challenging President Donald Trump for malfeasance. For any democracy to thrive, the checks and balances of its institutions must be allowed to work to prevent abuse of power by those in office.
In the past few months, the sudden hyper-activity of one central agency — the Enforcement Directorate (ED) — in its pursuit of India's economic offenders, mainly politicians and businessmen — has raised questions about its functioning. The ED has been around for decades and isn't quite the new sheriff in town. What has changed, however, is its empowerment through a troika of post-liberalisation laws designed to be severe with economic offenders.
The Prevention of Money Laundering Act (PMLA), the Foreign Exchange Management Act (FEMA) and, more recently, the Fugitive Economic Offenders Act (FEOA) can be unsparing towards transgressors. FEMA, introduced in 1999, treats offences related to foreign exchange as civil offences and is, hence, relatively milder. The FEOA, which came into force in January this year, is meant to pursue economic offenders who might have fled overseas by confiscating their property, sometimes way in excess of their dues. It is, however, the PMLA that has made the ED a fearsome agency. The 2002 Act aims to curb money-laundering and confiscate the proceeds from it. Earlier, an offence under PMLA was something called a 'predicate' offence, a crime that was part of a larger crime, and was tried under the Prevention of Corruption Act. PMLA came into force as an independent Act in 2005, and all violations under it were treated as cognisable and non-bailable.
This instantly placed enormous powers in the hands of the ED, allowing it to make arrests without warrants and seize the properties of those accused of receiving proceeds from money-laundering. The ED has, in the past five years, attached properties worth over Rs 55,000 crore. Confessions before an investigating officer are admissible as evidence, bail provisions are stringent and a 2013 tweak in the Act makes even possession of the proceeds of money-laundering a criminal offence. Since 2005, when the revised PMLA and FEMA gave it more teeth, the ED has registered over 2,500 money-laundering cases and over 16,000 cases of foreign exchange violations. However, there have been only 18 convictions so far.
Defending the corrupt cannot be anyone's brief. However, it is the way the law is applied that sometimes raises concern. The classic case of harassment that goes against all norms of natural justice is the issuing of lookout circulars (LOCs) without informing the person concerned. The person discovers it only when stopped at the point of departure. The other problem is that investigations drag on for years. Agencies rush off on a tangent without solid evidence. Headlines are made and a person's reputation sullied even before a charge-sheet is filed.
The government's drive against corruption is commendable; we need hard-hitting measures against the corrupt. But weaponising enforcement agencies such that they trample on a citizen's fundamental liberties, including the right to be considered innocent till proven guilty, does not bode well for our democracy.
(India Today Editor-in-Chief's note for the cover story, Weapon of choice, for October 14, 2019.)
Also read: How Mahatma Gandhi can still show the way


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Oscar Jacobson Chap Polo Shirt
Oscar Jacobson Chap Polo Shirt
Out of stock
More about this product
Product details
Perform out on the course and look good on the high street, with this premium quality polo shirt from Oscar Jacobson. Constructed with a fully functional 180gm jersey material which offers full mobility and moisture management, for increased confidence as you play golf. The shirt has a classic 3-button placket and sewn collar and is highlighted with brand embroidery on the left sleeve.
The Chap Polo Shirt Features:
- Stretch Mobility
- Moisture Management
- Classic Styling
- 84% Polyester, 16% Elastane
Code: 347171
Machine wash at 40° or less on reduced cycle.Garment may be machine laundered only on the setting designed to preserve Permanent Press with cool down or cold rinse prior to reduced spin.
Iron at maximum temperature of 150°C.Regular ironing, steam or dry, may be performed at Medium setting (150C, 300F).
Do not tumble dry.A machine dryer may not be used. Usually accompanied by an alternate drying method symbol.
Dry clean with tetrachloroethylene only, gentle cleaning.Gentle cleaning with any dry cleaning solvent other than trichloroethylene may be safely used.
Do not bleach.Only a non-chlorine, color-safe bleach may be used in the laundering process. Chlorine bleach may not be used.


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google-site-verification: googlee6ef1285bf530136.html
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Our Sunday Best Floral Dress features a white body with lavender, light blue, and olive colored floral print, a square neckline, and smocked back.
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$20.00 $39.00
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Our Made You Look Dusty Blue Satin Dress is perfect for any occasion! -features a lace trim detail around the neckline -fits true to size...View full product details


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When you shop atwww.ninaroende.dk you must provide the following:
- Name
- Address
- Phone number
We store your information for 5 years and then we delete it.
We do not share the information with some outside Nina Rønde Jewelry. However, if you have made a commitment that we may send you newsletters, we use your information to target the content of our newsletters.
You can always contact us at email@example.com to gain insight into what data we have registered about you.
The data controller at www.ninaroende.dk is Nina Rønde Jewelry.


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1 Day class $1599
Includes Wrinkles, Lips, Fat Melting, Anti-Aging, Skin Rejuvination
MASTER: Mi. Cha
Hyaluronic acid is naturally occurring in our skin but unfortunately levels dip as we age, and less of it is produced. The positive is the body is constantly making and absorbing it, just not as much of it as it once did. This degenerative effect reduces structure and volume from the face, causing wrinkles and folds to become more pronounced. Just like the collagen loss, when hyaluronic acid levels drop, the skin has less support. The purpose of the course is to enable aesthetic technician to be able to deliver Hyaluronic acid using the new one and revolutionary method of atomizing through water Mesotherapy. To achieve this the theoretical knowledge and understanding of the anatomy and physiology of the skin and face will be studied to underpin all practical training facilitated at Beauty Ink and will result in fully accredited certification.
Entry Requirements: To meet the minimum requirement for enrollment, students must have completed the equivalent aesthetician or skin care course, cosmetologist, Permanent Makeup License holder, or in the beauty industry.
Day 1
Course Theory Components:
- Learn about Hyaluronic Acid (HA)
- Anatomy and physiology of the skin and signs of ageing
- Troubleshooting HA treatments
- Pre and post treatment protocols
- Hyaluronic pen Techniques
- Pain management protocols
- Health and hygiene systems
- Client consultation protocols (medical history & client consent)
- Managing expectations and complains procedure
- Infectious Control and Sharps management
- Practice using Live models
- Learn about fat melting ampules to loose fat on those stubborn areas
- Learn techniques to tighten the skin on the body
- Pre and post treatment protocols
- Technique, hands on live model practice
- Starter kit device included.
- Hyaluronic vials
- Ampulles.
Upon completing required live models, students will receive Certificate of Completion.
- A $500 non-refundable course deposit is required
- Your $500 deposit will be applied toward your final balance – due on the 1st day of class. Final balance must be paid in full. We accept cash or credit.
- You can also cancel the total cost of the Course with 14 day notice.
Be a trend setter not a trend follower.
Enroll now


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Which industries ARE hiring, WHAT they're hiring and WHERE they're hiring
Which Canadian industries ARE hiring, WHAT they're hiring and WHERE they're hiring!
Every professional needs a job, a position. They rely on them, nurture our relationships with them, and provide a quality of service that keeps then going back. And we can never have enough of them! The complete List of profesional Job Sites has one purpose: to massively increase your source of potential ccompanies and potential jobs.
The original Hineni List of industries Job Sites has been valuable and much visited since April 2008. Your hundreds of comments have greatly added to its value. This list is a thorough update, removing dead links, adding new sites, and taking on board many of the suggestions from your comments.
We start the list with Hineni's own Job Board, which has categories for health , design, development, writing, to trades, hospitality and miscellaneous jobs, and at the time of writing contains a huge 200 jobs. You can see the available jobs with no strings attached, but to apply for jobs, you need to sign up, which costs a monthly fee. And agencies can advertise jobs at absolutely no cost.
Is this list ever finished? I doubt it ever will be. it is update weekly. From the free list we publish here inform us of sites that have been missed, and warn us when links stop working. And, best of all, get those jobs!


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Living, American symbols multiplying in The Woodlands
More than 15 years ago, a young couple decided to make their nest here in The Woodlands. At the time, they were an endangered species. Today, they own prime, federally-protected real estate.
While it's unclear whether the bald eagles nesting near the Hughes Landing development are the same pair discovered in The Woodlands in the winter of 1999 — it's entirely possible, said Fred LeBlanc, environmental manager with The Woodlands Development Company.
What is clear — they're not empty nesters.
These lifelong mates recently hatched a youngster, said Wildlife Biologist Donna Anderson with the U.S. Fish and Wildlife Service.
And even though these birds of a feather are nesting just off Lake Front Circle, a few flaps north of The Woodlands United Methodist Church and only a stone's throw away from an adjacent Hughes Landing development, they seem to have a unique tolerance to their increasingly urban backdrop — perhaps city mice just taste better.
"With that pair it seems like everything just goes out the window," said Anderson, who monitors more than 20 bald eagle nests around the Greater Houston area. "I've been right there across the street from them and there's all kinds of construction going on and while they're alert to it, it doesn't seem to inhibit them from rearing their young in any form or fashion."
Anderson credited The Woodlands Development Company for serving as a strong, reliable partner in ongoing bald eagle conservation efforts.
LeBlanc, who has worked for TWDC for about 24 years, said he was surprised as well that the pair of eagles, for four of five years in a row, has returned to the same nest — despite Hughes Landing reaching up and now over their nest.
It's not something he would've imagined 20 years ago and believes it is part of a trend he said is being seen nationally.
"(Bald eagles) have adapted to a lot of human development," LeBlanc said.
The USFWS's website supports LeBlanc's hunch.
"During recent years, several pairs of bald eagles have successfully nested and raised their young in the greater Houston area," the website states.
The Lake Front Circle gang isn't the only eagle action in town, either. Another pair of bald eagles call a Par 4 in Carlton Woods home — and their nest has two recently hatched eaglets tucked inside.
Bald eagles were removed from the USFWS's endangered species list in 2007. Conservation efforts from the American public, including The Woodlands, are largely credited for the success in reestablishing a sufficient population of these living, national symbols.
Still, they remain protected under the Migratory Bird Treaty Act and the Bald and Golden Eagle Act. These federal laws prohibit the possession, sale, purchase, barter, transport, export or import, of any bald or golden eagle, alive or dead, including any part, nest, or egg, unless allowed by permit.
Anderson said there are likely more bald eagles local to the area that have yet to be discovered and encouraged residents who might happen to spot a bald eagle or the nest of a bald eagle to inform the Houston USFWS field office.
Anderson also cautioned potential eagle enthusiasts to maintain a space of at least 100 yards away when birdwatching.
"They are definitely a wonder to watch and a joy to listen to," Anderson said. "We just ask that the public respect them from a distance."


text: So many rock and roll legends have passed away too fast over the past couple of decades. They left their fans heartbroken, listening to their music until today. Regardless of your taste in music, chances are you remember when the news cycle covered one of their deaths. You are probably constantly thinking about what they could have yet created if they hadn\u2019t died. Unfortunately, we cannot possibly know that, but what we could do is imagine what they would look like today if they were still alive.\r\n\r\nThat\u2019s exactly what the\u00a0Sachs Media Group\u00a0set out to do with the project you're about to see. They have teamed up with photo restoration and manipulation company\u00a0Phojoe\u00a0to create speculative portraits of what rock and roll's greatest musicians might look like if they were still alive today.\r\n\r\n \r\n\r\n\r\n\r\nThe gallery, described as "a heartfelt tribute to the memory of beloved artists who helped shape generations of music fans, in order to keep their memory alive for future generations" features wrinkled and grey versions rock and roll legends such as Kurt Cobain, Jim Morrison, John Lennon, Keith Moon, Janis Joplin, Jimi Hendrix, Elvis Presley, and Bob Marley.\r\n1. Elvis Presley\r\n\r\n\r\nThe King of Rock passed away on August 16, 1977, aged 42. The singer, songwriter, and actor is one of the most iconic symbols of pop culture. If he was alive today, he\u2019d be 82.\r\n\r\n2. Jimi Hendrix\r\n\r\n\r\n\r\nThe great instrumentalist passed away on September 18, 1970, aged 27. Hendrix was the best guitarist of his generation. His influence can be seen, heard and felt in pop music today. He\u2019d be 75 years old today.\r\n\r\nJimi absolutely destroyed "The National Anthem" At Woodstock.\r\n\r\n3. Kurt Cobain\r\n\r\n\r\n\r\nNirvana\u2019s frontman passed away on April 5, 1994, aged 27. The troubled young performer and his band rose to fame in the 90s during the heyday of grunge music. He\u2019d be 50 years old today.\r\n\r\n4. Janis Joplin\r\n\r\n\r\n\r\nShe passed away on October 4, 1970, aged 27. Janis\u2019 powerful blues-inspired voice is one of the most recognizable of the 1960s. She\u2019d be 74 years old today.\r\n\r\n5. Jim Morrison\r\n\r\n\r\n\r\nThe lead singer of The Doors passed away on July 3, 1971, aged 27. After his antics-filled career with The Doors, he moved to Paris to write poetry, where he died of heart failure. He\u2019d be 74 years old today.\r\n\r\nClick next to continue to the final page of rock and roll legends! John Lennon and more!\r\n\r\n\r\n6. John Lennon\r\n\r\n\r\nHe passed away on December 8, 1980, at the age of 40. Known as one of the most influential Beatles, Lennon\u2019s murder shook the world to its core and ended an era in music. He would be 77 years old today.\r\n\r\n7. Bob Marley\r\n\r\n\r\n\r\nThe Jamaican singer\/songwriter passed away on May 11, 1981, aged 36. His songs blending reggae, ska and rocksteady are still loved and listened to today. He would be 72 years old today.\r\n\r\n8. Karen Carpenter\r\n\r\n\r\n\r\nThe drummer and singer of the duo The Carpenters passed away on February 4, 1983, aged 32. Her passing due to anorexia nervosa brought widespread awareness to eating disorders. She would be 67 years old today.\r\n9. Keith Moon\r\n\r\n\r\nThe English drummer and member of The Who passed away on September 7, 1978, aged 32. He would be 71 years old today.\r\n\r\n10. Cass Elliot (Mama Cass)\r\n\r\n\r\n\r\nThe singer, actress, and member of The Mamas and The Papas passed away on July 29, 1974, aged 32. She would be 76 years old today.\r\n\r\nCredits:\u00a0vintag.es\r\n\r\nHere are Watch Mojo's Top 10 Greatest Bands of All-Time:\r\n\r\n\r\n\r\nRELATED: Thousands Of Beatles Fans Gather At Abbey Road To Mark 50 Years Since The Legendary Photo


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North Dakota Personal Trainer Certifications & Fitness Courses
Your North Dakota career begins with the
NESTA (NCCA-Accredited) Personal Trainer Certification
You will save hundreds of dollars when you choose NESTA as your personal trainer certification, and your certification is valid for a full 4 years, not just 2 year like other NCCA-accredited fitness certifications offered in North Dakota.
NESTA offers you the most affordable and convenient North Dakota personal trainer certification while maintaining the credibility and high standards the fitness industry respects. Our low tuition allow you to get started without financial strain as compared to other fitness trainer certification courses.
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Apply now for your Fitness Certification and start your career in North Dakota!
Adams County Barnes County Benson County Billings County Bottineau County Bowman County Burke County Burleigh County Cass County Cavalier County Dickey County Divide County Dunn County Eddy County Emmons County Foster County Golden Valley County Grand Forks County Grant County Griggs County Hettinger County Kidder County Lamoure County Logan County McHenry County McIntosh County McKenzie County McLean County Mercer County Morton County Mountrail County Nelson County Oliver County Pembina County Pierce County Ramsey County Ransom County Renville County Richland County Rolette County Sargent County Sheridan County Sioux County Slope County Stark County Steele County Stutsman County Towner County Traill County Walsh County Ward County Wells County Williams County


text: May 12, 2019May 13, 2019 THIS IS RAMADAN Ramadan decorations adorn a street of downtown Kuching waterfront,Sarawak. Muslims around the world celebrate the holy month of Ramadan by praying during the night time and abstaining from eating, drinking, and sexual acts during the period between sunrise and sunset. Picture by HAZREEN MOHAMAD. Malaysian read the Koran in the afternoon of the fasting month of Ramadan at a Jamek Mosque in Kuala Lumpur. Picture by SUPIAN AHMAD Muslim women share the Koran reading on the fasting month of Ramadan at a Jamek Mosque in Masjid Sultan Haji Ahmad Shah, Universiti Islam Antarbangsa Malaysia (UIAM) in Kuantan. Picture by MUHD ASYRAF SAWAL A man cleans a Mosque ahead of the Muslims holy fasting month of Ramadan in Al-Iman Al Ghazali Mosque in Kuala Lumpur. Picture by AZHAR RAMLI. A woman looking for buying fresh vegetables available in the Pasar Besar Jalan Othman, Petaling Jaya. Picture by Aziah Azmee Customers buying meat at a central market in Pasar Raja Bot during the afternoon to prepare the meal for breaking fast. Picture by NURUL SYAZANA ROSE RAZMAN. A vendor sells dates at a TBS Bus Terminal. Picture by MUHD ZAABA ZAKERIA. A group of family say prayers before they break the fast in Pantai Batu 3, Port Dickson. Picture by Adzlan Sidek. A vendor preparing traditional sweets as time to break the fast approaches, in Bazaar in Kuala Nerus, Terengganu. Picture by GHAZALI KORI Muaz Zainuddin (left) and brother showing the famous traditional Akok sweets among local in the east coast of Malaysia in Pantai Batu Burok, Kuala Terengganu. Picture by GHAZALI KORI. People gathering to break their fast at a Dataran Putrajaya during the Muslim holy month of Ramadan, in Putrajaya. Picture by AHMAD IRHAM MOHD NOOR. Muslims women offer Tarawih prayers, a prayer usually performed during the month of Ramadan at Masjid Negeri, Seremban. Picture by ADZLAN SIDEK. Muslims women perform Tarawih prayers at Masjid Abidin in Kuala Terengganu. Picture by GHAZALI KORI. Muslims pray on the first night of the holy month of Ramadan at the Masjid Negeri, Seremban. Picture by ADZLAN SIDEK A group of young man with malay drums procession for the Sahur organized by the Village Residents Community in Kampung Bukit Piatu to marks the dawn and stop eating during the day. Picture by RASUL AZLI SAMAD. Shoppers walk past a light decorations at Berjaya Times Square Mall in Kuala Lumpur. Picture by MOHD YUSNI ARIFFIN. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Like this:Like Loading... Related


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Tech Insights From Kraft Technology Group
CISA Cyber Essentials Toolkits: Yourself, The Leader – Part One
Business Leadership Is First On CISA Cyber Essentials Toolkits Following their Cyber Essentials resource, CISA has rolled out an additional…Learn more
Why Are You Not Defending Your Business From Ransomware?
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New Louisiana Legislation Launches MSP Registration
Louisiana Legislation Signs Louisiana Act 117 - Senate Bill 273, Requiring MSP Registration Louisiana Act 117 – Senate Bill 273…Learn more


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Alternatives to Muriatic Acid for Swimming Pools
You can avoid handling liquid muriatic acid in maintaining the chemical balance in your swimming pool by choosing pool sanitizers that don't raise the pool's pH or by using other products to lower a high pH. Muriatic acid, a form of hydrochloric acid, can be dangerous if accidentally spilled or splashed and because of its fumes.
Sodium Dichlor
Sodium dichlor is a granular or tablet form of chlorine sanitizer with a pH range of 6.8 to 7.0, nearly neutral. Ideal pH for a pool is between 7.2 and 7.6, so dichlor will not raise pH. The recommended way to add the granular form is to mix it in a five-gallon bucket to dissolve it and walk it around the pool, pouring it as you go. Use the tablets in an erosion type feeder, either a floating feeder in the pool or a tablet chlorinator attached to the pool plumbing.
Trichlor tablets are also effective in reducing or eliminating the need for muriatic acid. Because it has a very low pH (2.8 to 3.0), it's unlikely you will need any muriatic acid at all. Instead, you may occasionally need to increase the pH by adding soda ash or baking soda to the water. Most trichlor also contains cyanuric acid, a stabilizing agent that acts as a blocker of ultraviolet rays that break down chlorine. Use trichlor in a floating feeder or a tablet chlorinator attached to the pool plumbing. Never put trichlor tablets into the pool skimmer. The low pH will react with the metal parts in the equipment and damage them.
Sodium Bisulfate
Sodium bisulfate, sometimes called dry acid, is another way to lower pH without using liquid muriatic acid. Unlike sodium dichlor and trichlor, it is not a sanitizer. It comes in crystal form that looks like small granules. It readily dissolves in water so you can add it directly to the deep end of the pool if you spread it out over the surface. Several commercial versions are available, such as pH Reducer. It eliminates the problem of fumes as long as you keep it dry before using it. It is also less subject to spills and splashes. Keep it in a closed container and handle it with care because it is acidic.


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Tray Contents:
1 CSR Outer Wrap 28 x 28
1 Prep Tray 10x5x2
1 MRI "Non-Ferromagnetic" Disposable Titanium #11 Scalpel - This scalpel is safe to use for any interventional procedure for the initial puncture of the skin
1 MRI "Non-Ferromagnetic" Needle 20g 9cm - This needle is completely safe for use as a puncture or injection needle.
Non-Clinical testing demonstrated that this product is MR conditional and can be used in the MRI environment according to the following conditions:
Important note: These products are intended for use inside of the MRI environment (in the MR system room). They should not be utilized directly inside of the MR system (inside the bore of the scanner) during its operation (scanning). As such, the assessment of magnetic field interactions for this product specifically involved evaluations of translational attraction and torque in relation to exposure to a 3-Tesla MR system. This product has not been tested for MRI-related heating and artifacts
Model # BS-1014
1 Tray Kit
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10 Tray Kits
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20 Tray Kits
Now, at your fingertips, is a diverse line of Non-Ferrous and Stainless Steel products for your
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Stainless Steel Products Determined to be MR Conditional at 7-T or Less
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- The prospect of slowing global economic growth, among other macro concerns, caused considerable volatility across stock, bond and commodity markets throughout Q4 2018.
- This week saw some evidence of these concerns coming to fruition as the World Bank lowered its global growth forecast for 2019, from 2.9% to 2.8%, and U.S. growth forecast for 2020, from 2.0% to 1.7%.1
- The Q4 earnings season again reminds investors how significantly macro-economic trends can impact financial markets.
- As the chart shows, Q4 2018 earnings growth expectations for S&P 500 companies are expected to average approximately 16%.2 While this would represent a still-healthy double-digit growth rate for the quarter, it would be a nearly 10% decline versus the prior three quarters.
- As economic growth moderates and investors digest the potential for additional downside earnings guidance, investors may be well served preparing for a more muted return environment in the coming quarters, coupled with periods of heightened volatility.
1 The World Bank, https://bit.ly/2shPqZS.
2 FactSet, as of January 7, 2019, https://bit.ly/2Fbfv5b.
The chart of the week and any accompanying data is for informational purposes only and shall not be considered an investment recommendation or promotion of FS Investments or any FS Investments fund. The chart of the week is subject to change at any time based on market or other conditions, and FS Investments and FS Investment Solutions, LLC disclaim any responsibility to update such market commentary. The chart of the week should not be relied on as investment advice, and because investment decisions for the FS Investments funds are based on numerous factors, may not be relied on as an indication of the investment intent of any FS Investments fund. None of FS Investments, its funds, FS Investment Solutions, LLC or their respective affiliates can be held responsible for any direct or incidental loss incurred as a result of any reliance on the chart of the week or other opinions expressed therein. Any discussion of past performance should not be used as an indicator of future results.


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About Us
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Newsletter July – Dec 2018.
Jan-Jul 2018
Jul - Dec 2017
Jan-June 2017
July-December 2016
Oct-Dec 2015
CAC Brings on-board Pakistan Association of Automotive Parts & Accessories Manufacturers (PAAPAM), Indus Motor Company Pvt. Ltd (IMC), Millat Tractors Ltd. (MTL), Pak Suzuki Motor Co. Ltd (PSMC) & Atlas Honda Ltd. (AHL) to Organize the 2nd Distinguished Innovations, Collaborations & Entrepreneurship (DICE)-Automotive Event, 2015
The 2nd DICE Automotive Event was organized by NUST CAC in collaboration with the NUST School of Mechanical and Manufacturing Engineering (SMME) on 26th-27th November, 2015. This two-day event included an exclusive Exhibition showcasing a wide variety of automotive-related innovative products from prominent Academic institutes and Industry players, as well as the first International Symposium on Automotive and Manufacturing Engineering (SAME). The main themes of the Symposium were (a) Energy & Computer Aided Engineering in the Automotive Sector, and (b) Manufacturing in the Automotive Sector.
The Inaugural Ceremony of DICE Automotive 2015 Event was held on 26th November at Jinnah Auditorium, NUST. The Honourable President of Pakistan, Mr. Mamnoon Hussain, ...
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Discussion on "Key Issues Facing the Automotive Sector of Pakistan"- A Banquet Hosted by Pakistan Association of Automotive Parts & Accessories Manufacturers (PAAPAM)
PAAPAM hosted a grand dinner on the sidelines of the ongoing DICE Automotive 2015. This banquet was organized on 26th November, 2015 at Islamabad Serena Hotel and witnessed active participation by senior Government functionaries, Academicians and...
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Appointment of Mr. Amer Zafar Durrani as Industry Co-Chair-CAC Energy Sector Committee
It is our pleasure to introduce Mr. Amer Zafar Durrani as the Industry Co-Chair for CAC Energy Sector Committee.
Mr. Amer Z. Durrani holds a Degree in Civil Engineering with concentrati...
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First External Session of CAC Energy Sector Committee
The Energy Sector Committee is one of the most dynamic sector committees of the NUST CAC with its membership portfolio comprising eminent personalities from top local and international entities, development organizations, consultancy firms and academia.
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Idea Generation Sessions - FICS 2016
A unique aspect of the competition, "Finding Innovative and Creative Solutions for Society (FICS)" is the opportunity to connect student teams with seasoned Industry professionals. CAC arranges these interactions in various for...
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NUST Annual Alumni Conference 2015 (AAC)
As part of the Annual Homecoming, the NUST Alumni Association (NAA) has recently initiated a series of 'Annual Alumni Conferences (AAC)', aimed to provide the alumni, a platform to stay connected with their alma mater. For the Homecoming 2015, the main theme of the AAC was 'Enhancing Employbility of NUST Graduates and the Growing Need of Advancement in the Field of Innovation and Entrepreneurship'.
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Addition of Industry and Government Officials to CAC Energy Sector Committee
CAC is consistently striving to expand its existing membership portfolio and trying to bring on-board its platform, top professionals from Academia, Government and Industry. At the heart of this effort is the objective to form long lasting, durable associations with Industry leaders and initiate projects that can add more value, enhance student exposure and groom them according to Industry requirements.
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So to start off with the Union, we have 'Harry The Hat' who can play for the Alchemist's, the Butcher's, the Brewer's, and the Engineer's. Seeing how have three of the four Guilds completed, I thought it was fitting he should be first. 'Harry' has a 2" Melee Zone which is why the Engineer's like to use him along with a 4 TAC that can be upgraded to 7 when he uses Crazy. His other two Character Traits also seem to be very useful, Rising Anger and Inspiring Hat.
Harry The Hat
Harry The Hat
Painting Points: 1


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The Royal Weekly – April 29, 2019
By: CVCA
Prom Tickets on Sale this Week
The 2019 Junior-Senior Prom, A Night to Remember, will be held at the Sheraton Suites on Friday, May 10. Tickets will be for sale Monday, April 29 through Friday, May 3. Signed waivers are required for both CVCA students and non-CVCA guests to purchase tickets. Waivers and more information are available HERE>>
Rave Reviews for NEWSIES!
It's official – The Royal Theatre's opening weekend of NEWSIES was a huge hit! Don't miss your chance to see this exciting show. There are only a few tickets left for Friday, May 3 and Saturday, May 4 so purchase them soon at iTickets.com.
Summer Courses at CVCA – Register by Tuesday, April 30
Courses for high school credit will be available July 8-26, 2019 in Speech and Debate, Computer Concepts, and Health. The registration cost increases after April 30, so register soon! Learn more and register HERE>>.
Congratulations to the Symphonic Band
The CVCA Symphonic Band received a rating of 2 (the next to highest rating) at the state-level band contest on Saturday, April 27. CVCA was one of only 69 bands in the entire state of Ohio in our class that that made it to the state-level contest. Congratulations!
Girls Soccer Parent Meeting – Wednesday, May 1
The girls soccer parents' meeting will be on Wednesday, May 1 at 7:00 p.m. in the Anne Tell Chapel. Meet the coaching staff and learn more about our program values, team communication, and our summer calendar.
Ladies Launch – Wednesday, May 1
Eighth grade girls and their moms are invited to a special evening to commemorate the end of middle school and the beginning of high school. Ladies Launch will take place on Wednesday, May 1 at 6:00 p.m. in the Learning Commons. Come for encouragement and wisdom as you celebrate and prepare for what's to come. Enjoy a time of fun, worship, refreshments, and a panel discussion with high school students and mentors. Our hope is to both celebrate and introduce you to some resources for the coming years and answer questions to help make the transition a smooth one. RSVP>>.
AP Exams – May 6-17
AP Exams will be given during the weeks of May 6 and May 13.
Monday, May 6 – 8:00–11:30 a.m. – Government
Monday, May 6 – 12:00–3:30 p.m. – Chinese
Tuesday, May 7 – 8:00–11:30 a.m. – Spanish
Tuesday, May 7 – 12:00–3:30 p.m. – Physics
Wednesday, May 8 – 8:00–11:30 a.m. – English Literature
Wednesday, May 8 – 12:00–3:30 p.m. – European History
Thursday, May 9 – 8:00–11:30 a.m. – Chemistry
Thursday, May 9 – 12:00–3:30 p.m. – No Testing
Friday, May 10 – 8:00–11:30 a.m. – U.S. History
Friday, May 10 – 12:00–3:30 p.m. – No Testing
Monday, May 13 – 12:00–3:30 p.m. – No Testing
Tuesday, May 14 – 8:00–11:30 a.m. – Calculus
Tuesday, May 14 – 12:00–3:30 p.m. – No Testing
Wednesday, May 15 – 8:00–11:30 a.m. – English Language
Wednesday, May 15 – 12:00–3:30 p.m. – Macro Economics
Thursday, May 16 – 8:00–11:30 a.m. – No Testing
Thursday, May 16 – 12:00–3:30 p.m. – Statistics
Friday, May 17 – 8:00–11:30 a.m. – Micro Economics
Friday, May 17 – 12:00–3:30 p.m. – No Testing
SOBE Business Night – Wednesday, May 8
The 2019 SOBE Marketing Event will be held on May 8 at 5:00 p.m. SOBE juniors have partnered with local businesses to design a marketing plan that they hope will increase the awareness and profitability of each business. At this event, the juniors will present to a panel of marketing experts and their local businesses partners for a chance at cash prizes and the title of "Marketing Pitch Champions." Please join us for this special, public event. RSVP>>. Thank you to our local business partners: Akrona Gallery, Classy Cupcakes, Fringe Salon, Garretts Mill Diner, and Wooster Oilers Hockey.
2019-2020 Cheer Clinic & Tryouts – May 13, 16, 17
Cheer Clincs will be held on May 13 and 16, 3:00-6:00 p.m. in the CVCA small gymnasium. Tryouts will be on May 17 at 3:30 p.m., also in the small gym. All participants must pick up a tryout packet from the Athletic Office and bring the signed paper to the May 13 clinic in order to participate. Please contact Coach Jaimie at [email protected] with questions.
Spring Fine Arts Events
Enjoy and support the talents of our students at one of our upcoming Fine Arts Events:
• Handbells and Orchestra Concert – May 7
• Band Concert – May 9
• Portfolio Show – May 13
• Choir Concert – May 14
Senior Exams – May 13-15
Senior Exams will be given May 13, 14 and 15. Teachers will communicate to their students directly whether they are required to take each exam. Seniors with a B- or better for both 3rd and 4th quarter are not required to take a semester exam.
International Student Host Families for 2019-2020
International student hosting is a great way for your entire family to experience another culture right in your own home as well as share the love of Christ. The impact you make on a student could reach around the world! We currently have 14 international students enrolled for the Fall 2019 semester and are taking applications for host families for them. If you are interested or just curious about getting involved in CVCA's international student program through long-term hosting, please contact ISP Coordinator Ellen Rasper at [email protected] More information is available HERE>>.
CVCA Charity Golf Classic – June 3
As you're making golf plans for this summer, plan to be part of the annual CVCA Charity Golf Classic on the prestigious Glenmoor Jack Nicklaus Signature Golf Course at Glenmoor. More information and Registration is available HERE>>


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To: Clergy, DREs, Bulletin Editors, Principals, Campus Ministers
From: Msgr. Edward J. Dillon, Chancellor, Holy Spirit College
Registration is currently underway for our 2019 fall classes. To register, please contact Kim Schulman at firstname.lastname@example.com. The following courses will be offered:
THEO 600 – Liturgy and Sacraments
9:30 a.m. – 12:30 p.m. | Holy Spirit College, Malta Hall
Mondays | August 26 – December 9
Fr. Paul Burke, JCL
Course Description: This course will explore the liturgical life of the Church, especially as it unfolds in the celebration of the seven sacraments. Students will study the relationship between Christian theology and the role of liturgy in the life of the believer and in the life of the Church. Consideration will be given to the development and theology of the Christian liturgy in both the East and the West, with emphasis upon the Roman Rite. Topics to be covered include: the seven Sacraments as instituted by Christ and as understood in Scripture and Tradition; the relationship between the Sacraments and the Paschal Mystery, the economy of salvation, and the mission of the Church; the Vatican II constitution Sacrosanctm Concilium; passages from Aquinas's Summa theologiae. (3 credit hours; audit fee $300)
Church History
7:00 p.m. – 9:00 p.m. St. John Bosco Academy*
Thursdays | September 5 – November 21
John Henry Spann, MTS
This course will explore the history of the Catholic Church by examining the twenty-one Ecumenical Councils of the Church, as well as the Council of Jerusalem. The course will examine each council and explore the historical context, events which prompted the council, and outcomes of the council as demonstrated through council documents as well as contemporary commentary. The course will begin with the Council of Jerusalem and continue through the Second Vatican Council, focusing on examining each independently, and in the larger context of how the council clarified and shaped the doctrines and history of the Church. (Audit fee $99)
*St. John Bosco Academy is located at 4708 Shiloh Rd., Cumming, GA 30041
The True Country of Flannery O'Connor and Walker Percy: Catholic Writers in the Protestant South
7:00 p.m. – 8:30 p.m. | Holy Spirit College | Malta Hall
Mondays | September 9 – November 18
Dr. David King
Flannery O'Connor and Walker Percy were perhaps the most important American writers associated with the 20th century Anglo-American Catholic Literary Revival. While O'Connor was a cradle Catholic, and Percy was an adult convert, both shared the same Southern cultural identity, and both created their best Catholic fiction in the context of the Southern Protestant Bible Belt, a region O'Connor referred to as the "true country." O'Connor's often violent fiction always represents what she called "the action of grace in territory largely held by the devil," while Percy's more urbane take on the South unveils the modern "malaise" that infects all aspects of society. Yet beneath the superficial realities of life in the South, both O'Connor and Percy discovered profound insights into redemption, mystery, and grace. This course examines the best work of each writer, including O'Connor's short stories and Percy's essays and his seminal novel The Moviegoer, and affirms that in their position as outsiders looking in, both writers were able to see more clearly the essence of life and faith that transcends regionalism. (Audit fee $99
Introduction to Classical Education
7:00 p.m. – 9:00 p.m. | St. John Bosco Academy*
Tuesdays | September 10 – November 5
Dr. Eric Wearne
This course will provide students with an introduction to the concept of classical education and its recent renewal and growth in the U.S. Using historical and modern examples, including The Holy See's Teaching on Catholic Schools, students will learn about the history and structure of classical education including the trivium and quadrivium; the philosophical approaches behind classical and modern education; and practical applications of classical concepts. Topics to be covered include: a definition of "classical education"; curriculum, pedagogy, and assessment in classical education; ways in which a classical approach can help students to develop their moral imaginations. (Audit Fee: $99)
*St. John Bosco Academy is located at 4708 Shiloh Rd., Cumming, GA 30041
Bioethics in the Catholic Tradition
7:00 p.m. – 8:30 p.m. | Cathedral of Christ the King
Thursdays | September 19 – October 24
Fr. Paul Burke, JCL
Bioethics in the Catholic Tradition considers the ethical principles and values relevant to life and their application to the use of technology (particularly medical technology) to maintain, extend, and even produce human life. This course will explore foundational and current issues in bioethics in light of Catholic tradition and teaching. It will provide students with an understanding of bioethics main terms and concepts, as well as decision-making procedures that students can use to discern and defend moral courses of action. Our two main areas of consideration are life's beginning—reproductive ethics—and life's end, but we will also apply our analyses to such questions as organ donation and human experimentation. These discussions will be particularly relevant on a practical level; most of us will face them in some form in our individual lives, and bioethical questions face all of us as a society. (Audit fee $99)


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A great way to protect your truck's bed liner is to get a spray-on protective coating which will give your truck bed surface a non-slip, non-skid finish that is also moisture and chemical-resistant. Here at Joe's Automotive Repair in Bellingham, WA, we use only the best American Power Spray-On Bedliner for the most durable spray-on application in the industry.
The American Power Spray-On Bedliner epoxy-Kevlar blend is the finest, most powerful protection for trucks. This spray-on product gives any paintable surface the strongest, most durable assurance against the heaviest use and workloads your truck may endure. The American Power Liner also offers the best-looking bedliner surface available on the market today!
At our Bellingham auto repair shop, the spray-on bedliner is applied by ASE Certified Technicians who treat your vehicle like it's their own. We make sure that each application is as precise and even as possible, ensuring a consistent and ideal thickness for your truck bed. This spray-on liner is perfect for all uses for your truck bed, including off-roading, hauling tools and other materials, work-related uses, and much more. It also protects against rusting and other corrosion that can happen under certain weather conditions.
For expert American Power Spray-On Bedliner applications, give Joe's Automotive Repair a call or request an appointment today!


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Please contact us if you are interested in this product.
- 21kg perimeter weighted flywheel.
- Narrow Q-Factor for a realistic road bike feel.
- Lightweight, rust resistant aluminium seat and handlebar posts.
- Height adjustable handlebars with bottle holder to help keep you hydrated.
- Realistic chain drive mechanism and dual-sided pedals (toe cage and SPD).
The OC3 indoor cycle offers unrivalled value, with the perfect combination of top end specifications and a realistic road bike feel.
This bike is guaranteed to deliver performance, reliability and affordability for your home gym or fitness facility. Even as the OC range entry level bike, it comes with our full Origin commercial warranty.
The features you get with this value packed bike include; dual-sided pedals with SPD option, handlebar water bottle holder and non-rusting aluminium handlebar/seat posts, as well as boasting a realistic q-factor and heavy perimeter weighted flywheel giving a great ride quality.


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Suspension of Studies
A Suspension of Studies is when a student wishes to interrupt their studies for personal reasons. Before making any decision please ensure that you consider in depth the reasons behind your decision and discuss whether there may be any alternatives.
A suspension of studies is not a student right; it would need to be approved by your Head of Department.
You may consider suspending your studies rather than completing an Extenuating Circumstances form if the issues are long-term. The University defines long-term as more than 20 working days.
What does it mean?
Full-time Student
For a full-time student, it means suspension from all units associated with the programme of study on which a student is registered, usually for one academic year.
Part-time Student
For a part-time student, submitting a request for suspension of study, a part-time student must make it clear whether they wish to suspend from the programme of studies in full, or from particular units.
Postgraduate Student
For a postgrad student, it means suspension from all incomplete units associated with the programme of study on which a student is registered. Upon returning to your studies you will resume your studies from the point you suspended them.
We are here to provide impartial advice, guidance and support and might be able to help you solve any problems you've encountered on your course, advise you on alternatives, or help guide you through the process of suspending to make this as easy as possible. Suspension of Studies can be very supportive when circumstances are challenging, but you may find that with some additional support Suspension is not necessary. This support may also be beneficial to you if your request is found invalid, or upon returning to your studies.
Implications of Suspending
There will be financial implications which you will need to discuss with both the Student Finance Office and Student Finance England, prior to suspending your studies. The financial implications will be different for every student as it depends on a range of factors such as which block of studies or assessment period you are in, when you suspend, monies you have paid or balances that might be owed to you.
If you are considering suspending your studies you will need to discuss accommodation and housing arrangements with Halls of Residence Staff, or the person/s responsible for your tenancy contract.
If you intend to stay living in Portsmouth during your suspension, council tax will be payable (except under some extenuating circumstances), for more information on this and how it may affect you, contact the University's Student Housing department.
The University's Student Housing Services are available to offer advice and guidance on how suspending your studies may impact your accommodation, whether it be Halls of Residence or private accommodation.
How the Union Advice Service can help
We can help you...
understand suspension of studies and alternatives that might be available for you
contact your Personal Tutor and other relevant departments if you would like us to
- find additional support if you feel you would benefit from it
For support with the Suspension Procedure please submit a support request form and we can arrange an appointment to go through it in more detail.
We've noticed you might be using an Ad Blocker.
That's cool, but you could be missing out on some exclusive student deals! Please consider adding us to your safe list.


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American Residential Properties Inc (NYSE:ARPI) Investor Investigation Concerning Potential Wrongdoing In Acquisition Announced
December 04, 2015 (Shareholders Foundation) - An investigation on behalf of investors, who currently hold shares of American Residential Properties Inc (NYSE:ARPI), was announced concerning whether the takeover of American Residential Properties Inc by American Homes 4 Rent is unfair to YSE:ARPI stockholders.
The investigation by a law firm concerns whether certain officers and directors of American Residential Properties Inc breached their fiduciary duties owed to NYSE:ARPI investors in connection with the proposed acquisition.
On December 3, 2015, American Homes 4 Rent (NYSE:AMH) and American Residential Properties Inc (NYSE:ARPI) announced that the Boards of both companies have approved an agreement to combine the two companies in a tax-free merger at a total transaction value of approximately $1.5 billion. Under the merger agreement, at closing, each share of American Residential Properties Inc (NYSE:ARPI) common stock and each limited partnership unit in its operating partnership will be exchanged for 1.135 common shares or limited partnership units of American Homes 4 Rent, representing a current value per share/unit of American Residential Properties of $19.01 based on American Homes 4 Rent closing price on December 2, 2015.
However, given that at least one analyst has set the high target price at $22.00 per share and given that NYSE:APRI shares traded in the open market prior to the takeover announcement as high as $19.39 per share on May 8, 2015, the investigation concerns whether the offer is unfair to NYSE:ARPI stockholders. In addition, given that the CEO and Chairman of the board of directors Mr. Schmitz and President and COO Ms. Hawkes have already agreed to vote their shares in favor of the merger, the investigation concerns whether the American Residential Properties Board of Directors undertook an adequate sales process, adequately shopped the company before entering into the transaction, maximized shareholder value by negotiating the best price, and acted in the shareholders' best interests in connection with the proposed sale.
American Residential Properties Inc reported that its annual Total Revenue rose from $37.96 million in 2013 to $86.86 million in 2014.
On December 4, 2015 NYSE:ARPI shares closed at $18.04 per share.


text: Ever feel like they're always after your lucky charms? It's no wonder with this Men's Lucky Charmer Hawaiian shirt, which is festooned with traditional Irish symbols for St. Paddy's Day. Featuring rainbows, shamrocks and more, we've crammed just about every Irish tradition into this adorable button up shirt you could possibly think of – minus the whiskey. That one's all yours.


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Following a fire that destroyed the roof and spire of the 850-year-old Notre-Dame de Paris cathedral in central Paris on 15 April, architectural organizations in France and abroad have mourned the loss of an architectural and historic landmark and pledged support for a rebuild.
Speaking on ABC News 24, the Australian Institute of Architects' national president Clare Cousins said the building was "not only a sacred place of worship, it is a place loved by generations upon generations of people all around the world."
"Over the centuries it has become a cherished part of our cultural fabric, something that incites wonder, a symbol of love, resilience and a structure of tremendous worldwide significance.
"We, alongside countless others across the globe, mourn the damage that has been inflicted by this devastating fire.
"We share the anguish and immense sorrow of the French people at this loss but likewise we have every confidence in their ability to restore the Cathedral with great cultural sensitivity."
French president Emmanuel Macron has promised that the damage to the cathedral would be repaired and rebuilt.
Like many medieval cathedrals, the Notre Dame was the product of an intergenerational, centuries-long design and construction project. An icon of the gothic architecture style, the church is particularly significant for its flying buttresses and ornate stained-glass windows.
In a statement, the national council of the French Ordre des Architectes said its members were "ready to mobilize all their know-how to participate, alongside craftsmen and other actors in the built environment.
"Let us not forget that the construction of the cathedral has also demonstrated the exceptional technical mastery of its carpenters, masons, sculptors, stained glass, and thousands of workers."
"Heritage, ancient or contemporary, is a revealing and structuring element of our culture, and we must take the same care to keep alive these markers of our history."
Cousins said, "The overwhelming response to this terrible event reinforces the extraordinary power truly great architecture has to bring people together, to provide a place where countless special memories are made, where wonder and magic abound.
"Restoring this icon will take extraordinary skill, time and resources – but what's not lacking is the determination to do so.
The cause of the fire has not yet been determined, although authorities are not treating the blaze as suspicioud.
The cathedral is one of 70 in Paris owned by the French Government and administered by the Catholic Church.


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Daily Thoughts 12/28/2009
I requested the 2010 Baker and Taylor cat calendars from Baker and Taylor. Baker and Taylor uses two cats as its mascots, Baker and Taylor. Found it on our representatives blog. I am also updating my subscriptions to their review magazines.
Looking at Libriloop which is a closed loop recycler for libraries. It takes discarded library and publisher stock and turns them into different products which it is attempting to sell back to libraries. The objective is to take discarded stock from a specific type of company and recycle it back into the company where it came from. http://02ee0e2.netsolstores.com/about-us.aspx
Took some time to look at Suvudu which is a blog for Bantam Spectra. They are reviewing childrens graphic novels this week. Today, they have an article on Babymouse whihc is one of the better childrens comics. It is lighthearted fun. http://suvudu.com/
If you want to see an interesting set of alternative comics by Jordan Crane, they are available for free at whatthingsdo.com . These can be a bit ironic. There is some mature content, but the quality is very good.
Sometimes, you find things that seem interesting but don't really have a particular place. I saw an event on March 16, 2010 called The Future of Publishing. It looks like one of those things where they are creating something new and random and are not quite sure what will happen. http://www.iirusa.com/futureofpublishingsummit/future-of-publishing.xml?utm_source=FutureofPublishingPostToolsChangePublishingLIGroup&utm_medium=Traffic122209&utm_campaign=Traffic
Today has been a day for wandering on the web. This is an interesting article called Books You Can Live Without from the New York Times. Maybe it is time to cull my personal library again. I don't keep a huge amount of books. Only things with practical value. http://roomfordebate.blogs.nytimes.com/2009/12/27/books-you-can-live-without/


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The 33rd edition of the Edmonton Street Performers Festival kicks off July 7 and runs through July 16 at Sir Winston Churchill Square in Edmonton.
This year, more than 30 performers will be working up a major sweat to ensure you will deposit a minimum of $5 in their hats. Shows begin daily at 11:30 a.m. and end with the Troupe du Jour at 10 p.m. (Hours on Sunday, July 16, are from 11:30 to 5 p.m.) You can check the festival website for up-to-date information or download the StreetFest App for schedules, artist bios, weather updates and more.
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No matter what industry you're in, you have a target audience. And that audience is somewhere in the deep nether of the web looking for you.
They're on the hunt for the product or service you provide. When they find you, you should have opportunities available for them to express an interest in what you have to offer.
This is where a lead generation strategy comes in.
Lead Generation Strategy Elements
The aim of your lead generation strategy should be to capture interest and contact information from your target audience.
This requires several key elements, including:
This one's pretty obvious, but it's crucial that you educate and support your audience through content.
Content is how you expand brand awareness and establish credibility online. It comes in many forms, but the most popular choices are blogs and social media posts.
Lead Magnets
Also known as content offers, these are free content assets that you offer to your audience with the intent of offering true value. These should be gated in order for you to collect information from the lead.
For example, if they want to download an ebook from you or take your email course, they simply need to fill out a form and provide their contact info.
Some of the best lead magnet ideas include:
- Ebooks
- Webinars
- Free trials for products or subscriptions
- Training videos
Calls to Action
Calls to action (CTAs) are words or phrases that invite your audience to take action in a way that will grow your business. In regards to lead generation, they serve the purpose of guiding the person through the process of providing their contact information.
CTAs are usually placed after a short description of a content offer. They should be phrased clearly so that the person knows exactly what to expect when they perform the desired action.
It's a straightforward process of call and response that's extremely valuable to your lead generation strategy.
Landing Pages
Landing pages aren't necessarily mandatory for a successful lead generation campaign, but they will definitely increase your chances of converting a prospect into a lead.
Essentially, they're a page for your prospects to obtain their offer and submit their information.
Designing unique landing pages for different offers will help personalize the experience for your audience depending on what they're looking for and how they got to the page.
You don't have to over complicate a landing page. You can keep it simple as long as the content on the page matches the content linked to it. Consistency is key.
Thank You Pages
These pages are meant to inform your potential customer that the transaction is complete. Pretty self-explanatory, it's meant to thank them for taking an interest in your business.
They are a pretty important step in your lead generation strategy since they can be used to track conversion data.
Looking at all of the elements involved, executing an effective strategy requires a lot of time and resources.
This is why lead generation tools are so helpful.
What Is Lead Generation Software?
Lead generation tools come in the form of software that can automate several processes for you. Many steps can be handled automatically, such as attracting and engaging your site visitors, gathering and storing their information, and nurturing those leads.
Lead nurturing is an important aspect of the strategy. It's how you deliver relevant, helpful information at each stage of the buyer's journey. It moves them through the journey and, ideally, pushes leads to the sales team, who can close deals.
Basically, your lead generation software is essential in streamlining your whole strategy.
How Lead Generation Software Works
There's so many different variations of lead generation software available.
And each tool delivers plenty of benefits because of how much they can do for you, operating in a variety of ways.
Attracts More Visitors
A valuable generation tool will be able to attract more visitors to your website.
They use tactics like paid search advertising and SEO best practices to get your content in front of the right audiences.
Reduces Workload
There are a lot of elements that can slow down work processes, like a lead's contact info changing.
The right lead generation software handles keeping your lead information updated and accurate, allowing your team to spend less time editing data and more time selling.
Improves Lead Quality
A common challenge for business across the world, lead generation software can take the pains out of attracting high-quality leads by enabling you to target your ideal customers.
Qualified prospects mean leads that are further into their buyer's journey and closer to a sale.
Manages Leads Better
Certain softwares alert you when you get new leads, automate emails, and send you reminders when it's time to contact a lead in person.
All of these tasks are important in helping you follow up with a lead, but the timing has to be right. Lead generation software helps you keep track of each lead's timeline, reducing opportunities for oversights and mistakes.
Speeds Up the Sales Process
In the world of marketing and business, time is money. Automating all of the different steps required for winning a lead with lead generation software can accelerate the sales process.
28 of the Best Lead Generation Software Options
The range of lead generation software types is pretty large.
Some have tools that center on simplifying your email and streamlining prospecting. Others help with your CRM strategy and can nurture leads toward closing. Many do all of the above comprehensively.
No matter what you're looking to improve, there are plenty of options for you to consider using.
1. Hotjar
A customer experience analytics platform, Hotjar offers several helpful tools, like on-site polls, session replays, heat maps, and form analytics.
For example, their polls are useful in doubling conversion points by collecting an email address while also collecting feedback. Marketers, product managers, and UX designers alike benefit from what their software has to offer, providing value throughout the customer's entire journey.
Hotjar has a free basic plan available for personal accounts and then varying plan prices, starting at $89/mo for 20,000 page views a day.
2. Survey Anyplace
Surveys and quizzes are a more engaging way to collect lead information from a visitor than forms sometimes.
Survey Anyplace allows you to create customer satisfaction surveys, quizzes for lead generation, and beyond. A great tool to integrate into your existing marketing arsenal, it's easy to transfer leads to your CRM and begin nurturing campaigns.
Survey Anyplace offers a free basic subscription to learn the features, but to receive a starting count of 400 responses, they start pricing at $25/mo.
3. AWeber
AWeber is an email marketing tool built to aid in automated lead generation.
You can easily create and send emails, import content from your blog, and share with your subscribers. All while keeping track of your analytics.
It has a pretty easy interface with pre-built templates, built-in A/B testing, and more meant to help build your brand.
AWeber prices start at $19/mo for 500 subscribers and unlimited emails.
4. Voila Norbert
Buying email lists is recognized as bad form in the industry, but Voila Norbert offers you a much more honest means of finding emails.
With a CSV file, you can search in bulk for prospects and verify email addresses. It's easy to integrate into most CRM software options, making it that much easier to keep track of your lead generation efforts.
Voila Norbert has many different pricing options depending on what you're looking for help with. For prospecting purposes, they start at $49/mo.
5. AeroLeads
AeroLeads will search LinkedIn, AngelList, and other similar networks via a Google Chrome extension for leads.
It will find their business email addresses, along with other contact details, so you can start outreach faster than had you been hunting on your own. You can transfer data to Mailchimp, HubSpot, Zapier, and Salesforce for ease of access as well.
AeroLeads offers opportunities for unique quotes, but their most popular plan starts at $149/mo.
6. Prospect.io
If you're looking for a software that can multitask, Prospect.io is a great choice.
It takes care of prospecting and outreach jointly, searching for emails and verifying them for you. From there, you can use a variety of templates to reach out to prospects. All the data received from these interactions are tracked too.
Prospect.io charges $45/mo when billed monthly.
7. Keap
Keap helps you keep all of your customer info in one spot for easy access. This feature allows you to track interactions so that future campaigns can be better informed.
An all-in-one CRM, it works across devices as well so you have access at all times. Between reminders, automated emails and texts, and the ability to create repeatable sales processes, you'll never fall behind on lead follow up.
Keap starts their pricing at $79/mo.
8. Contactually
Great for real estate professionals, you can connect your Google and Microsoft contacts with Contactually for easy organization and segmentation.
Once synced up, you can control how often your automated messages are sent to clients individually, prioritizing relationships.
It's a neat tool if you have clients that require different levels of engagement. You can use custom templates to automate personal messages too, making your process that much more streamlined.
Contactually's pricing begins at $69/mo.
9. HubSpot
HubSpot's expansive tool suite includes HubSpot Sales, where you can really prioritize generating new leads.
Between personalized, automated outreach, email templates, and live chats, you can engage with prospects consistently on their platform. Following up becomes more efficient as you're able to track your entire pipeline.
HubSpot Sales subscription prices start at $50/mo.
10. Zapier
Boasting the "easiest way to automate your work," Zapier successfully does just that. "Zaps" connect all of your work apps to keep track of your tasks and remind you of next steps.
Conveniently, it can be paired with a lot of the other lead generation software on this list. The workflows generated can help keep your work day way more organized.
Zapier offers a small zap package for free, but those who require multiple steps and more connections can start on a plan of $20/mo.
11. Extole
Extole is an advocacy marketing platform that allows your happy customers to turn into promoters who can generate more leads.
Through your social channels, you can invite customers to refer your business to friends and family. If a referred friend becomes a new customer, then both the friend and the advocate are rewarded somehow.
Extole is able to track and log all of this data, creating a bank of testimonials for your brand.
Extole has a demo that walks you through all the unique features. Following the demo, you can get a quote based on your unique needs.
12. ReferralCandy
Primarily for ecommerce stores, ReferralCandy is pretty similar to Extole in the sense that it rewards customers for business referrals.
Rewards are automatically paid out to customers, saving you time to send out emails and monitor your ROI. It can be integrated into your marketing stack fairly easily and provide you analytics and insights on your program.
ReferralCandy starts at $49/mo with a tiered commission percentage.
13. Clearbit
Clearbit offers several tools for lead capture.
It has the ability to find and fill out a lead's information just from an email address or corporate domain, then transfers it to your CRM.
With its real-time data acquisition, you can effectively manage your leads better, prioritizing them by qualification.
Clearbit's tools are priced at $99/mo.
14. Mailshake
Mailshake is designed to aid email outreach by helping you automate, personalize, and optimize your cold emails.
With templates and expert campaign reviews, your outreach campaigns will be bolstered tremendously. Its UX is customizable and built for team use, so everyone can be in the loop on the calendar provided to keep track of leads.
Mailshake starts at $39/mo.
15. Typeform
A survey tool, Typeform is capable of providing conversion data as well as lead generation. It makes customer surveys feel easier and more conversational.
It also successfully pairs with other marketing software, like HubSpot and Mailchimp. You can craft anything from surveys to quizzes to forms, with templates and question examples available for inspiration.
Typeform's free basic plan is expanded in the next Pro tier at $30/mo.
16. Proof
Proof's software tools are meant to boost your website's conversion by using social proof messaging to make the customer's experience feel more humanized.
Leads can get real time updates on your business and how other customers are doing. The technique boosts your brand's credibility, saves money on online advertising, and converts visitors into leads.
The addition of features like A/B testing and personalization make it an investment worth pursuing.
Proof's prices vary depending on your website traffic, but their most basic monthly plan starts at $29/mo.
17. Intercom
A great means to aid marketing, sales, and support all at once, Intercom presents itself as an on-site chat feature.
You can interact with your site visitors, collecting their information that will be analyzed. You can create message triggers for onboarding, support, or retention so that you never miss an opportunity with a lead. Current customers also have access to an integrated help desk and knowledge base.
Intercom's all-in-one starting plan is priced at $87/mo.
18. Qualaroo
Qualaroo collects user feedback on products or marketing experiences, providing valuable data and conversion metrics for your business.
Through analyzing responses, you can gather customer information and follow up on their experience, finding new leads along the way. As we've already figured out, surveys and forms are valuable means to generate happy customers.
Qualaroo has a starting price of $199/mo.
19. Hello Bar
To start building a relationship with your leads, they need to stand up and be counted. Many potentially lucrative leads have "opt-in blindness," easily ignoring complex opt-in forms.
To cut through the clutter in a simple, inviting way, try Hello Bar. It functions as an elegant opt-in bar that can remain highly visible at the top of your website without frustrating your visitors.
Hello Bar starts at $29/mo, or a free plan for up to 5,000 searches/month.
20. Formisimo
Not exactly a lead capture tool, Formisimo is still a great way to optimize your lead generation forms.
Through their deep dive of metrics, you can learn form abandonment reasons and user behavior patterns, as well as segment reports by device.
You'll also receive helpful tips on how to improve your forms and monitor the impact changes make. The tool's installation is easy with just a quick code paste onto your webpage.
Formisimo offers a demo trial, after which an account manager will help you find a subscription rate that meets your needs.
21. Drift
Boasted as the world's first and only conversational marketing platform, Drift is a truly powerful tool with a variety of features.
Their live chat function allows your website visitors to click on a chat bubble to get in touch with a member of your team immediately. You also have the option to set up a bot to act as your website's personal assistant.
Their leadbots qualify your visitors, identify which sales rep they should speak with, and book meetings... all without filling out a form.
Drift offers a free version to try, but their team option starts at $400/mo.
22. Turnstile
Video marketing has seen a meteoric rise alongside mobile technology. Turnstile, an app by Wistia, helps you motivate leads to take action when they view your videos.
Instead of putting links in the description and hoping you get clicks, you can empower any video with an opt-in form. The form can come at any point in the video, too, so you have a fully customized experience.
Turnstile currently offers both a free package and a $300 per year Solo package.
23. Ring.io
If warm prospecting over the phone is a cornerstone of your strategy, Ring.io is one of the lead generation tools you just can't miss.
This Salesforce-integrated phone system has helped some users double their productivity with a full-service solution that includes VoIP and CRM features. It offers high-level customization and KPIs, significantly reducing manual data input.
Ring.io starts at $69 per user per month for Zoho integration and $109 for Salesforce.
24. Hunter.io
Hunter.io provides you with an easy way to locate prospect email addresses based on their profile or website.
Since it comes in the form of a Chrome browser extension, it's easy to use while you are on the prowl for the decision makers you need to contact.
Hunter includes a free version with 100 lookup requests and starts at $49/mo for 1,000.
25. Quora
It might seem odd to find a social media site on the list of great lead generation tools – after all, social networks are often looked at as their own separate animal.
Look closer at Quora and you'll realize it's custom-built for two powerful lead generation activities: Spreading thought leadership by answering professional questions and connecting with genuine influencers.
Quora is free to use – all you need to do is sign up for an account.
26. Leadpages
Leadpages makes it easy to set up and test fully optimized landing pages for offers at any level of maturity.
It's so quick and easy that many enterprises use it to test market concepts before product development goes into full swing. With an immense variety of design elements, features, and built-in analytics, Leadpages calls itself the #1 landing page builder for good reason.
Leadpages starts at $25/mo paid annually for unlimited mobile responsive pages.
27. Datanyze
Datanyze is a sales tool that is specializes in "technographics." Basically their software helps software and tech companies understand what technologies their prospects are using on their websites.
But it doesn't just end there.
Their free Chrome plugin (up to 50 domains analyzed a month) also allows you to analyze company details such as the year they were founded, revenue and employees estimations, people within the organization and their emails, and much more.
It is a terrific tool to help your sales team save time prospecting.
Datanyze's Chrome extension is free, but to get domains analyzed on a monthly basis, you'll need to reach out to them for a quote.
28. LinkedIn Sales Navigator
LinkedIn Sales Navigator is the cream of the crop for lead gen. Their software allows you to "target the right buyers, understand key insights, and engage with personalized outreach."
If you're in B2B sales, you already understand the importance of LinkedIn, and their Sales Navigator is a great tool to help you capture leads. You are able to begin your prospecting efforts and save your leads into your CRM directly from their platform.
LinkedIn Sales Navigator has annual plans that start at $64.99/mo – a steep price, but given all the amazing features, it is definitely justifiable for most budgets.
What Lead Generation Tool Best Fits You?
Take the time to go over your budget, team size, goals, and other factors when researching which software to use. Many of these tools have free trials available, so start testing them out.
Also, make sure you gather feedback from your team. To narrow down your options and make the right decision on which tool to subscribe to, follow these simple steps:
- Set your budget and identify your lead generation goals.
- Build a list of five tools from this list that you can afford and that include features that will help you achieve your goals.
- Establish a grading criteria to measure important aspects of each software, including ease of use, necessary integrations, accuracy of reporting, etc.
- Assign team members who are going to be using your lead generation tools to test each of the options, and have them use your grading criteria.
- After the trial period, reconvene and review each user's grade and feedback.
- Vote as a team and make the jump!
When you equip your team with the right lead generation tools, you're setting them up for success. The software that fits your company right will help you drive big picture results in a sustainable way.


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About Our School
The St. James Early Learning Center is a Parish childcare center of very high quality. The ELC was opened in August 2009, and served one class of toddlers and one class of three year old children. In the past five years, we have grown to three full classrooms serving one, two, and three year old children. We stand out in our quality of care and our low teacher to student ratios. Together the staff at St. James ELC have shared in the lives of many children who have passed through our doors. It is our goal to continue to make a remarkable impression in the lives of the young children in our care.


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Turbulence Detection
Turbulence well ahead of an aircraft can be measured by Ophir's small, highly efficient and rugged Laser Radar Air Data System (LRADS). Ophir Corporation has demonstrated the capability to measure turbulence and wind hazards ahead of an aircraft on a Falcon HU-25C aircraft. Ophir's forward-looking, Multi-function, Long-Range, LRADS measured turbulence ahead of the aircraft, as well as optical air data parameters close to the aircraft.
The in-flight detection, identification, mitigation and avoidance of turbulent gusts are important to increasing safety and efficiency of aircraft transportation. Avoidance or mitigation of flying through turbulent air pockets increases ride comfort and decreases fuel consumption. A real-time turbulence detection system can detect clear air turbulence when there are no visible warning signs. Ophir's use of incoherent lidar enables a small avionics package that provides real-time data.


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Where Is Your Weapon
Contributed by Steven Witt on Nov 9, 2006 (message contributor)
Summary: Illustrating the current tactics of the devil to disarm Christians of their spiritual weapons.
Where Is Your Weapon?
November 12, 2006
Text: 1 Samuel 13:16-22
1 Tim 6:12
Fight the good fight of faith, lay hold on eternal life, to which you were also called and have confessed the good confession in the presence of many witnesses.
· Christians conscripted at birth
· When we "put on Christ" – we put on the uniform
· We live in a war zone
Text: 1 Samuel 13:16-22
1.. Size Up Our Situation
· Our enemy is on the move – 1 Peter 5:8
· Clear and Present Danger
· Not yet on Front Lines
· "Raiders"
· Out to steal:
o Our time
o Our priorities
o Our resources
o Our testimony
o Our joy - Nehemiah 8:10b
2.. Review Our Intelligence of the Enemy
· His Tactics - John 10:10a
· His Target - Neutralize the church
God loves people
Satan hates God
Our function in the earth as Body of Christ: Luke 19:10
· His Weapon of Mass Destruction: Deception - John 8:44
3.. Assess Effectiveness of His Strategy - vs19 – 22
· Where are our guards and pickets? - Matt. 26:41, 45
· Where are our weapons? – 2 Corinthians 10:4
("the Wal-Mart" plan")
· Where is our training?
· Where is our courage?
· Where is our commitment?
4.. We Need a "Fresh Perspective"!
· Requires repentance
Recognize you're not getting there
Reorganize your life… all of it!
· Requires resolve
Make a Commitment
Establish Accountability
· Requires renewal
Put God first each day - Matthew 6:33
Devotions / Prayer / Vigilance
The Word, the Word, the Word
Worship - Hebrews 10:25
Corporate / Personal
Witness – Mark 16:15
Obey & Invest
· Releases revival
Related Media
PowerPoint Template
PowerPoint Template
PowerPoint Template


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The Federal Reserve did banks a favor last week by boosting its target interest rate for the third time in 15 months, opening the gate to higher interest rates on credit cards, mortgages and other loans.
So will savers share in the good fortune through higher rates of return on deposits and CDs?
Maybe, but not as quickly or as much if recent history is a guide.
Banks, eager to recoup lost profits and awash in deposits, have been much slower to boost the interest they pay as opposed to the interest they charge.
That's not news to Lawrenceville retirees Dee and Don Sebusch.
For about a decade, the couple have depended on interest from a handful of long-term CDs to supplement their income. But those have been maturing over the last few years and re-setting to much lower interest rates. The last interest rate Sebusch's bank offered her to lock up her money in a CD for another five years: 0.5 percent.
"It's disappointing. You don't know where to put your money," said Sebusch, who is leery of riskier investments such as stocks or mutual funds. For now, she added, she's keeping her money in a savings account that earns a microscopic interest rate while she waits for interest rates to go back up.
She may have to wait a while.
"Savers have been enduring these dramatically low returns for nine years, and it's only slowly getting better," said Greg McBride, chief financial analyst at financial website Bankrate.com. "Rates are getting better. It's just going to be slow."
Changing course
During the 2007-2009 Great Recession, the Fed dropped interest rates to near zero in an effort to revive the economy. The Fed cut its target rate on overnight loans between banks from 5.25 percent in 2007 to less than 0.25 percent in late 2008, and kept it there for another seven years.
Through 2015, low rates since the financial crisis have cost U.S. savers almost $1 trillion in lost income on savings accounts, bonds and CDs, insurer Swiss Re estimates.
The Fed finally felt confident enough in the economy's health to start nudging interest rates higher in December 2015, and has since boosted the target rate two more times through last week.
Last Wednesday, the Fed raised its target interest rate by a quarter point, to a range of .75 to 1 percent. The Fed is expected to raise rates two more times by year-end if the economy remains on course.
Technically, those rates only apply to behind-the-scenes money movements by financial institutions, but they also influence a range of consumer rates.
Higher rates on credit cards and home equity credit lines will show up in a month or two, McBride said.
The effect on adjustable-rate mortgages will take longer because the interest rates on most of those loans re-set once a year, he said. But the shock will be bigger because the higher rate may reflect two or three of the Fed's rate hikes.
For example, on a $400,000 mortgage for 20 years, if the new rate jumps by .75 percent, monthly payments will rise by about $150, he said.
"It can feel like water torture real fast," he said, suggesting that borrowers should re-finance such loans to fixed-rate mortgages as soon as possible.
Banks also quickly increased rates for many business loans. On the same day the Fed raised its target rate, for instance, Atlanta-based SunTrust Banks increased its prime rate (for its most credit-worthy customers) from 3.75 percent to 4 percent.
Rate squeeze
Meanwhile, the torture continues for most savers.
McBride said there are clear market forces behind the banks' decisions to keep interest rates on savings low.
"Banks have been squeezed by tight margins," said McBride.
The Fed's low-rate regimen eventually helped rev up borrowing by customers and companies to buy cars, houses, robots, start-up businesses and other assets. That in turn helped grow the economy and create jobs.
But those interest rates were low for years and years, cutting bank profits, he said.
Meanwhile, banks were flooded with deposits after the 2007-2009 stock market crash.
Despite anemic interest rates, savers have been socking away a bigger chunk of their disposable income since the Great Recession. Personal savings have increased from a near-historic low of 3 percent of income in late 2007 to 5.5 percent currently, according to the Federal Reserve Bank of St. Louis.
Much of that money has been going into the stock market, which has hit record highs recently. Still, there is cause for hope for savers who don't want to jump into the stock market, now in its eighth year of a bull run.
Bob Willis, president of Willis Investment Counsel in Gainesville, said he expects rates on CDs and other conservative investments to rise within months.
"By fall, yields should be sufficiently attractive to many who are either weary of the market's volatility, or who are concerned about the market being 'too high,' " said Willis, whose firm manages $2 billion in assets. "Plus, compared to years of near zero yields, yields of 1.25 - 1.75% will look attractive."
New online players also are reviving rates of return for savers.
"There are banks that are raising rates" on CDs, money market and savings accounts, said McBride. But "you have to go out and search," he added.
Websites such as Bankrate.com, Nerdwallet.com and Thesimpledollar.com are good places to start. Make sure to check that the institutions' accounts are insured by the FDIC.
Some of the accounts topping the websites' lists are at low-cost, online-only institutions such as Ally Financial, Synchrony or PurePoint Financial that can out-bid traditional banks. Others are online arms of Wall Street or international financial firms, such as Goldman Sachs, Barclays and CIT Group.
Several such players offer low-balance online savings or money market accounts paying up to 1.05 percent.
But so far the online challenge hasn't sparked a rate war. Few physical banks and credit unions in metro Atlanta currently offer interest rates topping 0.15 percent on similar accounts. Rates are lower at most; you'd make more money picking up pennies on the sidewalk.
According to Bankrate.com, among local institutions, Atlanta Postal Credit Union offered the highest rate on a savings account: 0.6 percent.
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