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A child can go through a lot of problems as he or she is growing up. Actually, facing such problems is part of growing up. If you as a parent is there to always give them love and support they are always going to face these problems successfully. Especially when they are quite young you as the parent should be in charge of helping them as they sometimes might not see they have a problem.
One of the areas a child can have a problem with is their sleeping pattern. As the child grows up it is important for him or her to have a set sleeping schedule. That helps them to be healthy and active in the right way. There are times you might have trouble helping them. That is where you need to get the help of a therapist.
Identifying the Problem Your Child Has
Before you can solve any problem you have to identify what exactly the problem is. Without understanding that, you are not going to be able to fix anything. Children can have different problems with their sleep cycle. Some children wake up in the middle on the night. Some children have trouble falling asleep and take a lot of time to fall asleep. With some you have to be there patting or rocking for a long time until they fall asleep and they would otherwise keep awake. Some have a problem of waking up in short periods as they are unable to sleep for more than two hours at a stretch. #
Applying the Most Suitable Solution for It
Once you have examined and understood what kind of a problem your child has you can inform that to the therapist you go to. They have worked with many children before. Therefore, they can help you by providing you with baby sleep training advice Singapore. If you want to succeed you have to follow what they tell you. You have to work as they say. Sometimes this solution could mean the child has to cry for a while for a couple of days as you are not going to them when they wake up. If the therapist asks you to let the child fall asleep on his or her own you should let them do that. Following such guidance from a therapist always helps a number of parents and their children.
You should always focus on getting the help of a therapist like this if you see there are some problems with the way your child's sleeping habits are formed.


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+1 (702) 466-1229Open 24 Hours a day 7 days a week
Looking for a good time in this old town tonight? That may sound cheesy but that is exactly what I have to offer you. Take a look at my photos and you will find your body stirring to life and your imaginations wandering to all the things you'd like to do with me. That's okay. Call me up and tell me all about your dreams and desires. I'll come over and do an erotic dance and then we can plan the rest of the evening.
You can take me out or keep me indoors for the evening. I'm good either way and I'll enjoy myself as long as you're with me and you're happy. Imagine your stong arms wrapped around my hot young body with smell the spring scent of my long blond hair as it tumbles down over your rock hard chest. You will love to fantasize the feeling of my large natural breasts up against you and get lost looking into my deep blue eyes. Guess what comes next? Call me and lets explore.
Disclaimer: Money exchanged for outcall entertainment services is for Kelly's time and companionship only 😍.

subset: commoncrawl


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Scholekster MontessoriSchool
Designed by: Heren 5 Architecten
For client: OOADA - Openbaar Onderwijs Aan De Amstel Floor area: 850.00 M² Year of completion: 2019
Submitted for: Learning Space of the Year
About the Project
Combining original qualities with modern education
In the midst of an oasis of tranquil backyards of a typical Amsterdam building block, this beautiful 1920s educational building with originally overplus of storey height, spacious stairwells and generous corridors and classrooms has been transformed.
Previous renovations have resulted in a messy outcome of rooms and booths and difficult disclosure . We've brought back the original qualities and combine them with the wishes of modern Montessori education. This is mainly done by opening up the central part of the building again, which connects both wings of the building with a new design element centrally.
What's unique about it
We've realized extra classrooms, arranged as a concentration place. And in the central entrance hall you will find large learning blocks that can act as a closet, stand, classroom, stage, silence place, talk place, for multifunctional use. These block also form the wall which is needed to separate the entrance hall, from the theater. These reading and play areas, with specially designed cupboard furniture that give multifunctional qualities to the extremely high spaces that the building offers, stimulate the development and learning objectives of the children.
Simple innovative use of for instance a hidden door in 1 of the boxes, can open the orange box to be fitted into the black box. And in the above cabinets (by children called the train-coupés) are the individual storage spaces, integrated in the big colourful wall.
The schools construction, explained by it's children :)


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A good business idea is the key to success
Whether with cheap gravestones for dogs and cats, everyday pyjamas or remnants from the fast-moving entertainment electronics, with a brilliant idea and perseverance, some have made it to wealth. Courage, perseverance and also luck are surely part of it. The mining industry needs excellent projects in the right regions of the world, experienced management, a secure financial position and the ability to act at the right time, to name just a few.
Osisko Gold Royalties - https://www.commodity-tv.net/c/search_adv/?v=298716 - has established itself in a very special area of the gold mining industry. But not as a classic gold company, but as a precious metal licensing company. The company earns its income from license fee agreements, streams and precious metal acceptances. Osisko Gold Royalties holds interests in listed commodity companies and operates successfully. The company has just been able to reduce its debt by 43 million US dollars. Shareholders are already looking forward to a quarterly dividend 17 times in a row.
In Canada, another opportunity has opened up for entrepreneurs in recent years: the cannabis market. A few months ago, products of the plant were legalized in Canada. Since then, the waves have also been making their mark on the stock markets. RavenQuest BioMed has established itself among the many cannabis companies. Around 80 percent of the production expected for 2019 has already been sold. This is a milestone that will generate revenue for the Company. The company has just secured a 51 per cent stake in 1 Life Cannabis.
Because high-quality cannabis in premium quality is particularly in demand on the market, RavenQuest BioMed attaches particular importance to it. 1 Life will therefore be a valuable addition to the RavenQuest BioMed technology - https://www.commodity-tv.net/c/search_adv/?v=298788. No wonder, then, that Fundamental Research recommends the RavenQuest BioMed share as a buy and uses a fair price of 2.09 US dollars.
Current company information and press releases from RavenQuest BioMed (https://www.resource-capital.ch/en/companies/ravenquest-biomed-inc.html) and Osisko Gold Royalties ( https://www.resource-capital.ch/en/companies/osisko-gold-royalties-ltd.html).
In accordance with §34 WpHG, I would like to point out that partners, authors and employees can hold shares in the companies mentioned in each case and therefore there is a possible conflict of interest. Only the English version of these messages applies.
Disclaimer: The information provided does not constitute any form of recommendation or advice. We expressly point out the risks involved in securities trading. No liability can be assumed for damages resulting from the use of this blog. I would like to point out that shares and in particular warrant investments are generally associated with risk. The total loss of the invested capital cannot be excluded. All information and sources are carefully researched. However, no guarantee is given for the correctness of all contents. I expressly reserve the right to make a mistake, in particular with regard to figures and exchange rates, despite the utmost care. The information contained herein has been obtained from sources believed to be reliable but does not claim to be accurate or complete. Due to court rulings the contents of linked external sites are also to answer for (so among other things district court Hamburg, in the judgement of 12.05.1998 - 312 O 85/98), as long as no explicit dissociation from these takes place. Despite careful control of the contents, I do not assume any liability for the contents of linked external sites. The respective operators are solely responsible for their content. The disclaimer of Swiss Resource Capital AG also applies: www.resource-capital.ch/en/disclaimer.html


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Sometimes true bravery is being willing to admit the things that make you cringe. The pain of knowing and understanding yourself can be a messy business, but there is catharsis in self-expression even when it reflects badly on you. Other times, bravery is the awareness and admittance that life is not completely perceivable. By acknowledging the limited capacity and inherent contradictions of your perception, it's possible to find meaning in the weight of mystery instead of the lightness of clarity. As an artistic method, bravery means confident delivery and a strong voice, even when it's marred by mistakes or shrouded in confusion.
On Rented World, The Menzingers are nothing if not assured. Whereas past releases have found lyricists Greg Barnett and Tom May content to simply drift through the texture of their lives at times, Rented World is stacked with strong statements and resolve – even if most of it is largely self-deprecating. It's an album born from the moments of intense awareness that come with hangovers, heartache and confusion. Lyrically its parts forgo a narrative whole for the sake of creating an aura of adamant assertion.
Thematic elements aside for a moment, the poetic sheen of the band's songwriting continues to be their hook. The lead single "In Remission" is as close to vintage Menzingers as you can get, with its rendition of turning in an old lottery ticket and its fantastically blunt observation "maybe the future's just a little bit weird" set against a simple yet catchy riff and background harmonies. Barnett takes the lead on the majority of the songs, and though we might not know exactly what he is talking about when he says "I took the weight of it all / I bought a drink / and then we drove back drunk through the busy city streets," it's impossible not to gravitate towards the artfully pinpoint experiences that he relays. On "In Remission" and throughout Rented World, he and May avoid letting their perspective keep them from conveying human experiences. By now the band are wildly talented at producing tracks that feel familiar, yet fresh. The result is a thoroughly relatable album that is built from an array of esoteric situations. By drawing and redrawing the scenes, the two lyricists create global stories from feelings that could easily be mistranslated into personal biographies.
"Transient Love" — the album's spacey, dirge of a centerpiece — finds Barnett stumbling through a haze of regret. As he describes the physical space keeping him from his love, he also laments the loosening grasp of time. The graying atmospheres of days and distance blur into each other as he sings "Now I'm 5,000 miles / from her head on my shoulder / from a night I spent sober / screamin' 'I'm gonna die'." Against a droning bass line and meandering melodies, he almost sounds lost in the ebbs of the song. And yet, three and a half minutes into the song he finds a new tone, surging into the lines:
"You should have seen the view from the pension / it made me think of things we never mentioned / the things we're too afraid to say / like what if I spent the next few years / just somewhere in some atmosphere / while you're at home with bills to pay / I hope it doesn't end this way."
On the strength of this conclusion he sounds almost demanding. "Transient Love"'s portrayal of the divide between being "in some atmosphere" and the deadpan reality of being at home paying bills brings to light the hinge that Rented World swings on. The differences between wild fantasies and banal minutiae — between drifting metaphors and tightly focused realities — persist like sunlight shining through a storm cloud. As Barnett bravely faces the tangled disconnects in his perception, he finds ways to base his wondering in what it is he knows. Later, on "Nothing Feels Good Anymore", he sets the tone by imagining himself as a fly trying to get attention, but on the other side of a thundering chorus he segues into the specifics of a house party to bring himself back to a reality he can understand. The middle stretch of Rented World is packed with similar dichotomies, and the fatalism that Barnett feels in those situations.
Listening to the album start to finish is not unlike witnessing repeated intoxication and sobering up. If Barnett's transportational metaphors and lucid dreams ("Bad Things", "Rodent") are realized in a fit of other-mindedness, the contrast of his clear, concrete realizations ("When I Died", "In Remission") serve to drive home his inner turmoil. His work on Rented World is fearless in its introspection, while remaining deeply empathetic in its delivery.
While bravery can be beautifully performed, its self-indulgent tendencies make it a difficult pill to swallow at times. Rented World is a massively dense album conveyed through a series of tiny pictures that all deserve attention of their own. Its grasp of bizarre and challenging trials is impressive, while its performance is precise and bold. However, the crutch of the brave introspection that The Menzingers serve up is that it can be hard to take in pieces. To be sure, Rented World is full of great songs, but its overall attitude of confrontational understanding can be an overload at times. It will stand tall for years on the resolution of its themes and the charisma of its storytelling, but the casual listener may turn away before cashing in on this gem.


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I played for a dance with my good friend Don Richmond in the afternoon last Saturday in the mountains, and then I sat and watched the dancers continue as Don and the Rifters played into the evening. I was mesmerized, and it made me remember all over again one of the beauties of our experience here on earth. The energy we pass back and forth and the togetherness that syncing in rhythm with another and others is a marvelous part of our physicality. Cultures as far back as history reaches have had dance as a major fixture. It is a joyous expression of movement and breath and grace and gravity. As I played I drove the dance, and as they danced the dancers drove me. It builds a fire of spirit and oneness that is beyond amazing.
What have I been up to?
The Royal Gorge last Monday and Tuesday was a lot fun. I had perfect weather and very sweet folks to play to and interact with. It's just about perfect up there some days.
The Yellow Pine on Thursday was great too. I got to see so many good friends, and the folks of La Veta and Cuchara are so genuine and friendly. I love it!
The river dance on Saturday topped it off with some real magic. It was great to pick with Don, and I even got to catch up with some Philmont friends there. Wonderful!
What's up this week?
Monday and Tuesday 12:30-4:30 I'm at the Royal Gorge Bridge again. Tuesday I'm on the north Visitor Deck which was really fun last time. If you're in the area come on in and say "Hi!"
Thursday 6:30-8:30 I'm back at the Yellow Pine for the barbecue. Is SO enjoy these evenings in the old barn. As always if you'd like to come please make a reservation by Tuesday so they can plan enough food - 719-742-3528.
Saturday I'm playing a party for my niece Laura and her fiancee Josh. I'm looking forward to that as well!
Sunday 1:00 and 2:30 I'm playing two 45-minute sets for a fundraiser for VFW Post 4051 in Colorado Springs. It is an honor to help raise money for the veterans in Colorado Springs, and a couple of my RV friends from Good Sam's are helping to put this on. Come on out and help support veterans!
Sunday evening 7-8:15ish I'm playing my First-Sunday Online Living Room concert at concertwindow.com/tommunch. This is my way to connect with all of you over the miles wherever you are in the world. I love doing these concerts, and I love interacting with you. If you join in by logging in you make comments on the broadcast. If you don't want to login you can still comment by messaging me on FaceBook Messenger or texting or emailing me. I try to keep up with all the comments. It's fun!
That's it for this week. You'd think I could cram in a couple more gigs somewhere, huh? Well I am playing 8 nursing and retirement facilities as well. Not to brag, but I love to play, and as long as my body holds up I'll keep on keepin' on!
Details this week:
Who: Tom Munch
What: playing and singing
Where: South side of the Royal Gorge at the Royal Gorge Bridge on the stage just off the bridge and at the north side Visitor Deck
When: Monday and Tuesday, June 25 and 26, 12:30 pm-4:30 pm
Who: Tom Munch
What: playing & singing at the Barbeque
Where: Yellow Pine Guest Ranch, Cuchara. 719-742-3528
When: Thursday, June 28, 6:30-8:30 pm
Who: Tom Munch
What: playing and singing for the VFW fundraiser
Where: VFW Post 4051, 430 E Pikes Peak Ave, Colorado Springs.
When: Sunday, July 1, 1:00-1:45 and 2:30-3:15 pm
Who: Tom Munch
What: playing and singing
Where: online at https://concertwindow.com/tommunch
When: Sunday, July 1, 7-8:15ish pm MDT


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Virtusa Announces Cognitive Adverse Event Case Processingby Jyoti Bhagat June 7, 2017 0 comments
Virtusa has recently announced the launch of its latest pharmacovigilance (PV) solution for Adverse Event (AE) Intake and Cognitive Adverse Event Case Processing (AECP). Built on pharmacovigilance and case management technology from Pegasystems, the solution enables life sciences companies to increase productivity while ensuring compliance, lowering costs, and enhancing patient safety.
"The demand for digitization and increased automation in PV intake and AECP is driven by inefficient systems, redundant processes, and a lack of digital automation," said Dan DiSantis, senior director of Healthcare and Life Sciences at Virtusa. "The applications Virtusa has built leverage decisioning solutions from our global partner, Pegasystems, to create a configurable, reusable AE case processing and product compliance environment, saving millions over the current processes."
Leveraging deep industry knowledge, extensive experience with life sciences companies, and strong expertise in Pega Platform, the underlying Pega technology that powers Pega Pharmacovigilance and case management, Virtusa expects the AECP solution to:
- Increase productivity and lower costs of overall PV operations by 50-80 percent
- Provide more reliable and faster detection of AEs for safer use of drugs and devices
- Reduce manual efforts for lower per case processing costs
- Enhance functionality for existing safety system investments without major upgrades
- Improve accommodation of rapidly rising AE case volumes and new channels and sources
Virtusa enables pharmaceutical companies and medical device manufacturers to streamline PV intake and AE case processing to address product, region, or regulatory requirements with these key features:
- Omni-channel and user-centered design supports direct intake from any channel including E2B R2/R3, web, e-mail, fax, and social media
- Automated case intake with integrated Optical Character Recognition (OCR) and Natural Language Processing (NLP)
- Automated triage, identification, and classification of AEs
- Expanded PV case and process management for faster assessment of AEs
- Built-in support for industry standards including E2B R2/R3, MedDRA, IDMP, and WHODrug
- Expanded visibility and compliance through integrated audit trails, reporting, and dashboards
- Leverage and enhance existing legacy PV applications, like Argus and ArisGlobal, as well as integrate with other data sources by applying Pega's unifying technology
"Life sciences organizations are in need of technology solutions that help them scale in the face of ever-growing case volumes," said Ed Chase, director, life sciences, Pegasystems. "Built on industry thought leadership and technology expertise, the PV Intake/Cognitive AECP solution provides innovative end-to-end automation for adverse events case processing, well beyond those of traditional PV safety systems. It empowers life sciences companies to capture and process adverse events faster, saving valuable time, reducing overall operational costs, and most importantly – improving patient safety."
Virtusa's Healthcare group has received numerous analyst and industry recognitions including recognition in Everest Group's Performance, Experience, Ability, Knowledge (PEAK) Matrix for both its Healthcare Provider IT Services and Healthcare Payer Big Data and Analytics IT Services. Virtusa was also the recipient of Frost & Sullivan's 2014 Global System Integration in Healthcare Product Line Strategy Leadership Award. The company was recently recognized as a leader among BPM service providers by analyst firm Forrester Research in The Forrester Wave™: BPM Service Providers, Q4 2016.
reimagine the customer experience, accelerate revenue growth and creating lasting business value. The company's operational excellence (OE) solutions help clients reduce risk, improve operational efficiencies, and lower IT costs.
Virtusa delivers services across the IT lifecycle, including consulting, solution design, technology selection, implementation, testing, and maintenance, including infrastructure support. With a strong heritage in software engineering, Virtusa is highly qualified to both develop and maintain software, using a proven platforming methodology and advanced Agile and Accelerated Solution Design techniques to reliably deliver results on time and within budget.
Holding a proven record of success across industries, Virtusa readily understands its clients' business challenges and uses its domain expertise to deliver distinctive, differentiated and innovative applications of technology to address its client critical business challenges. Examples include building the world's largest P&C claims modernization program; one the largest corporate customer portals for a premier global bank; an order to cash implementation for a multinational telecommunications provider; and digital transformation initiatives for media and banking companies.
Through the acquisition of a majority interest in Polaris Consulting Services Ltd. in March 2016, Virtusa has created a robust platform to provide end-to-end solutions and services in banking and financial services, strengthening its positioning as a top, global FinTech services provider. Virtusa Corporation is headquartered in Massachusetts and has 50 offices across North America, Europe and Asia.


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Lulu Wang's The Farewell could easily have drowned in its melodrama. It certainly hangs all of its narrative weight on its central conceit, in which a family hides their matriarch's terminal cancer from her and use a staged wedding to give her a final family reunion. But there is something profound in the emotional power of Wang's film.
When her parents (Diana Lin and Tzi Ma) inform Billi (Awkwafina) that her grandmother Nai Nai (Shuzhen Zhao) has just months to live, she Continue reading The Farewell (2019) Movie Review


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The "WRECKING BALL II" adds a twist to the "Last Man Standing" concept. This sports inflatable is a 4-person game.
Grab the ball, swing it at a competitor all the while keeping your balance on an inflated pedestal as you deflect a direct hit. This one is a real ab workout. The last player standing wins! Great for parties, festivals and anytime fun is priority number one.
Best for ages 8 to Adult…
Dimension: 24′ x 27′ x 16′ tall
Manufacturer: Inflatables 2000
This fun inflatable is available across the Dallas, Richardson, Garland, Plano, Irving, Highland Park and University Park and Carrollton. We also serve other cities in the DFW area.
Need something for a bigger crow?
Check out our Ninja Warrior Wrecking ball that it an 8 person game.


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We once went to the local newsagents and bought either a newspaper or magazine as a consumer, yet now we view them online whilst also add comments and reviews or even collect footage for that specfic media organisation. Meanwhile due to the invention of mobile phones they allow us to video any footage such as natural disasters which are newsworthy, whilst take images when perhaps producers were not there at that point of time. Ultimately the consumer will then upload their footage online; consumers playing the role of producers.The Guardian published an advertisement this year advertising how instant they are when it comes to news, making sure you being a consumer are always updated instantly. Meanwhile, it also conveys different types of mediums when portraying news for example it shows Twitter, Youtube as well as The Guardian's onilne website- it shows that consumers are interacting frequently which is creating newsworthy news.
Meanwhile do you trust consumers or do you trust producers?
"Bert is Evil"EditIn 2001, a high school student, Dino Ignacio, created a Photoshop collage of Sesame Street's (1970) Bert interacting with terrorist leader Osama Bin Laden. Similar images were made in a series called "Bert is Evil".
In September 2011 a Bangladesh-based publisher set out to find images to be used on anti-American posters, signs and T-shirts. Ignacio's image was used for the merchandise although the Arab world probably didnt have any exposure to Bert and Ernie and only used the image as it was a good likeness of the al-Qaeda leader.
Not long afterwards, the image was used on thousands of posters and used in collages allover the middle east. CNN captured the hype and reported the angry mobs of anti-American protestors chanting and waving signs with Bert and Bin Laden on them.The story circulated the web and fans produced websites and other online pages linking various Sesame Street characters with terrorists. So from his bedroom, Ignacio created an international controversy. A result of his creation was that he inspired his own cult following! Due to the mass publicity, Ignacio dismantled the site for his own good. This is an extreme example of participatory culture. The story wouldn't have been possible without consumers' active participation, people interacting and finding sources from the media broadened the little Photoshop edit into an international news coverage that Ignacio would never have expected.


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You may be able to fly your name to the sun on a groundbreaking probe Nasa is sending into the star's atmosphere.
The US space agency is inviting members of the public to include their names on a microchip aboard its Parker Solar Probe launching in July.
According to Nasa, the probe will "touch the Sun" as it flies within 3.9 million miles of the star's surface into the solar atmosphere, which is known as the corona.
Those looking to submit their names can do so through the probe's website until April 27, 2018.
The spacecraft is expected to launch from Cape Canaveral in Florida on July 31.
Nasa began testing its new probe earlier this year ahead of its launch this summer.
It will collect vital information about the life of stars including solar flares.
The spacecraft will be subjected to extreme heat and radiation from the corona, where temperatures are nearly 1,377C (2,500F).
The probe, which is expected to come within the orbit of Mercury, will be more than seven times closer to the Sun than any spacecraft to date.
The last time a spacecraft came close to the star's surface was in 1976, when Helios 2 achieved perihelion – point of the orbit at which it was closest to the Sun – at 27 million miles.
Help support quality local journalism … become a digital subscriber to the Evening Express
For as little as £5.99 a month you can access all of our content, including Premium articles.Subscribe


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Insurance ConceptsCategory: Objective Test
Type: Individual
60-minute test administered during the NLC.
Objective Test Competencies: Insurance Principles; General Insurance Concepts; Automobile, Homeowners, Renters, Property, & Liability Insurance; Life, Health, & Disability Insurance; Legal Concepts; Compliance & Operational Risk; Assessing & Transferring Risk; Careers; Ethics in the Insurance Industry
Skills: This event provides recognition for PBL members who demonstrate an understanding of and skill in basic insurance principles and procedures.
Objective Test Guidelines
- No materials may be brought to the testing site.
- Electronic devices must be turned off and out of sight.
- Financial calculators may be used for accounting, finance, and analysis & decision making events; calculators will be provided for all other events.
The general event guidelines below are applicable to all national competitive events. Please review and follow these guidelines when competing at the national level. When competing at the state level, check the state guidelines since they may differ.
- Dues: Competitors must have paid PBL national and state dues by 11:59 p.m. Eastern Time on April 15 of the current school year.
- NLC Registration: Participants must be registered for the NLC and pay the national conference registration fee in order to participate in competitive events.
- Deadlines: The state chair, or designee, must register each state competitor on the official online entry forms by 11:59 p.m. Eastern Time on the second Friday in May.
- Each state may submit three (3) individuals in all events requiring only objective tests and two (2) individuals or teams for all events that require a pre-judged or performance component.
- Each competitor can compete in two (2) events.
- Each competitor must compete in all parts of an event for award eligibility.
- A team shall consist of two or three members. Exceptions are Parliamentary Procedure which must be a team of four or five members, and LifeSmarts which must be a team of two members.
Repeat Competitors
Competitors are not permitted to compete in an event more than once at the national level unless one of the following circumstances applies:
- Modified Events: A competitor may compete in the same event when the event is modified. Note, if the only modification is a name change, competitors may not compete in the renamed event.
- Team Events: One (1) competitor of the team may have competed in the same event at one (1) previous NLC; however, they may not compete more than twice in the event at the national level.
- Chapter Events: Competitors may compete in a chapter event more than once (Community Service Project).
- Individual Entry: A competitor who competed as an individual entry in a team event at the national level may compete in the same event a second time as part of a team, but not a second time as an individual.
- Parliamentary Procedure: Two (2) competitors of the team may have competed in this event at a previous NLC; however, they may not compete more than twice at the national level.
- Pilot Event: Competition in a pilot event does not disqualify a competitor from competing in the same event if it becomes an official competitive event. The participant may compete in another event as well as a pilot event.
Breaking Ties
- Objective Tests: Ties are broken by comparing the correct number of answers to the last 10 questions on the exam. If a tie remains, the competitor who completed the test in a shorter amount of time will place higher. If this does not break the tie, answers to the last 20 questions will be reviewed and determine the winner.
- Objective and Production Tests: The production test scores will be used to break a tie.
- Objective Tests and Performances: The objective test score will be used to break a tie based on the tie-breaking criteria of objective tests.
- Reports/Projects and Performances: The report/project scores will be used to break a tie.
- Performances: Judges must break ties and all judges' decisions are final.
National Deadlines
- State chair/adviser must register all competitors for NLC competitive events online by 11:59 p.m. Eastern Time on the second Friday in May.
- All prejudged components (report PDFs, resume/letter of application PDFs, and project URLs) must be received by 11:59 p.m. Eastern Time on the second Friday in May.
- All URLs and PDFs for prejudged projects and reports will be submitted by the state adviser via the competitive events registration form.
- All production tests must be received at FBLA-PBL by 11:59 p.m. Eastern Time on the third Friday in May.
- Desktop Publishing—the finished product must be uploaded in PDF format by 11:59 p.m. Eastern Time on the third Friday in May. Label all documents with the event title, competitor's name, state, and school.
- All production tests must be uploaded online.
- State chair/adviser may make name changes only (no additional entries) by 11:59 p.m. Eastern Time on the first Friday in June. Competitor drops are the only changes allowed after this date and onsite.
National Awards
The number of competitors will determine the number of winners. The maximum number of winners for each competitive event is 10. Only one (1) award is given to the schools competing in chapter events (Community Service Project and Local Chapter Annual Business Report).
Additional Materials
- Financial calculators may be brought to objective testing and used for any accounting, finance, or analysis & decision making events.
- Certain events may allow the use of additional materials. Please refer to event guidelines.
Americans with Disabilities Act (ADA)
FBLA‑PBL meets the criteria specified in the Americans with Disabilities Act for all participants who submit a special needs form.
Recording of Presentations
No unauthorized audio or video recording devices will be allowed in any competitive event. Participants in the performance events should be aware the national association reserves the right to record any performance for use in study or training materials.
Graduate Students
Graduate students may compete in all PBL events.
- Dress for Success—Members must be in business attire. Please review the the FBLA-PBL Dress Code. If you question if you are properly attired, then change.
- Read and follow explicitly the state and national competitive events guidelines. Be aware of differences between state and national guidelines.
- Check the status of membership dues. Students must be dues-paid members by April 15 to compete in national competition. The sooner dues are paid the sooner members will receive PBL benefits.
- All materials must be received by the national center by the second Friday in May. Normally the state submits these materials, but some states request the local chapters submit their reports, website URLs, interview materials, etc.
- Remember, when competing at the district or state levels, materials are not sent to the national office.
- Become completely familiar with the procedures to be followed for participation in each type of event at the state and national levels.
- Determine from the rating sheets and guidelines the areas that will be judged and the weight given to each area.
- Obtain a variety of updated information on different subject areas and provide access to students for study.
- Contact former and current chapter members who have competed in previous years for suggestions.
- Find mentors and other experts who can help members prepare for competition. Involve faculty, advisory committee members, Professional Division members, businesspeople, community volunteers, and parents in study sessions and event preparation.
- Try to recreate as realistically as possible the conditions under which the competition will take place and PRACTICE.
- Make certain that the copies of materials to be submitted to judges are error-free and in the proper format.
- Make sure all materials are submitted by the deadline.
- PBL members and advisers must recognize the value of competitive events, maintain a professional attitude toward the events, and keep them in proper perspective. While competitive events are an important element of PBL's overall program, events are just a portion of the many other activities and programs that build a successful organization.
Study Tips
- All objective tests are done online and consist of 100 multiple choice questions.
- Ask your professors to share with you the different textbooks they use as resources. Look over the end-of-chapter summary and the glossary words.
Test-taking Tips
- Avoid talking to others as you enter the room.
- Instructions for online testing will be given to you once seated at a computer.
- The calculator function on the computer will be available for use. Financial calculators can be used for all accounting, finance, and "Analysis & Decision Making" events.
- If the equipment doesn't work, raise your hand until help comes.
Format Guide
2. Define utmost good faith, insurable interest, indemnity, contribution, subrogation and proximate cause.
3. Explain the basis of insurance as a risk transfer mechanism.
4. Describe the role of insurance in society.
5. Explain the difference between perils and hazards.
6. Describe the types of homogeneous risks covered by an insurance pool.
7. Explain the difference between assurance and insurance.
8. Recommend insurance for the types of risk commonly faced by various age groups
9. Understand risk retention plans and risk financing transfers.
10. Determine the cost of risk.
11. Explain the insurance business cycle (agent, underwriter, claims, settlement).
12. Explain claims management.
2. Demonstrates knowledge of common insurance terms.
3. Describe features that can affect the underwriting and pricing of insurance products.
4. Explain the policy life cycle.
5. Recognize basic policy types and basic policy features.
6. Explain the role of the insurance broker.
7. Define insurance premiums.
8. Explain insurance policy exclusions.
9. Explain accidental death benefit.
10. Describe the role of the insurance adjuster.
11. Differentiate the role of an independent insurance agent and a direct agent.
12. Define annuities associated with insurance
13. Explain casualty insurance.
14. Define coinsurance.
15. Explain the need for comprehensive insurance.
16. Explain convertible life insurance.
17. Define elimination period.
18. Explain how a deductible works.
19. Explain the floater clause for homeowner and renter's insurance policies.
20. Define grace period for a life insurance policy.
21. Describe the relationship between a hazard and a possible loss.
22. Explain insurable interests.
23. Explain situations that require Lloyds of London, England insurance.
24. Explain the loss control process.
25. Define mutual insurance companies.
26. Describe the relationship between a peril and insurance.
27. Explain the relationship between a tort and insurance.
2. Define a deductible and explain how it impacts price of the automobile insurance.
3. Explain insurance concepts: insured, insurer, insurance policy.
4. Describe perils that need insurance coverage.
5. Explain how automobile insurance premiums are impacted by level of risk and the number of claims made by the insured.
6. Differentiate between the main types of automobile insurance coverage.
7. Calculate the amount paid on insurance claims after applying exclusions and deductibles.
8. Understand the basics of a homeowner insurance application.
9. Recognize what factors impact home insurance rates.
10. Define the steps to take when filing a homeowner insurance claim.
11. Explain the insurance coverage provided by renter's insurance.
12. Define liability insurance.
2. Describe different types of life insurance policies.
3. Highlight components of different life insurance policies.
4. Define different types of health insurance coverage.
5. Identify health care challenges in the United States.
6. Understand government insurance programs (COBRA, HIPAA, Medicare, Medicaid).
7. Compare universal life insurance to term insurance.
8. Describe the best candidates for universal and term life insurance.
9. Explain convertible life insurance.
10. Explain worker compensation benefits.
2. Explain how insurance can meet a specific legal requirement.
3. List the requirements for a valid insurance contract.
4. Explain the law of torts and its relationship to insurance.
5. Know the code of ethics that insurance professionals must follow.
6. Understand the basics of contract provisions.
7. Explain legal concepts pertinent to the insurance industry.
2. Demonstrate an understanding of professionalism and ethical behavior.
3. Explain the importance of capital adequacy and solvency.
4. Describe good customer service in the insurance industry.
5. Define the role of underwriting in the insurance industry.
6. Explain the role of an insurance rating company.
7. Explain conflict of interest.
8. Describe the importance of customer confidentiality.
9. Explain the long-term value of good customer service.
2. Describe the relationship of the insurance market and the transfer of risk.
3. Demonstrate an understanding of different risk profiles.
4. Explain the insurance underwriting process.
5. Define information required to underwrite a risk.
6. Explain underwriting and rating factors for different types of risk.
2. Recognize industry organizations.
3. Describe essential knowledge and skills needed to be employed in the insurance industry.
4. Describe roles and responsibilities in insurance (underwriter, insurance sales representative, actuary, claims personnel, loss control specialist).
5. Describe insurance licensing and certification programs.
2. Describe ethical leadership in the insurance industry.
3. Describe consequences for unethical behavior in the insurance industry.
4. Explain the public perception of ethics in the insurance industry.


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"Aloha!" is a welcome greeting you'll hear often in Hawaii — the island state known for its powdery white beaches, turquoise waves ridden by surfers, and sightseeing trips to lava-spewing volcanoes. You might also think of luxurious yachts, spa resorts, or honeymoon suites.
Hawaii has many faces, and with a little research on the Aloha state, you'll discover all the exciting things to see and do on your dream vacation.
For those planning their first trip to Hawaii, (spelled Hawai'i by native residents) a commonly asked question is, "Which island is best?" The answer really depends on your preferences.
That's because, while each of the six major islands of Kauai, Lanai, Maui, Molokai, Oahu, and The Big Island are blessed with tropical beaches and sunshine, each one offers something unique for visitors.
Generally, when choosing which island(s) to visit, consider what special geography, scenery, historic sites, and activities most appeal to you. If you have a family member in need of handicap facilities, be sure to ask hotel guest services and tour operators what they provide before booking.
Hawaii's mature tourism industry is capable of catering to any taste, and arranging weeks of fun is easy to do. But because you may not have weeks, there are questions to ask yourself when planning your trip.
The obvious questions about trip budget, and the length of your visit can be answered later. First, let your imagination play and consider everything you want for your ideal Hawaiian vacation. Think big — you never know, wishes that seem initially out of reach (like pricier tours or hotels), may become possible by finding package deals online.
Create a wish list of places and activities you most want to experience while in Hawaii. Then prioritize these items in order of importance. This may make it easier to decide which are the most interesting, and shouldn't be missed.
To help you narrow your choices, we've put together a list of questions below (including some researched tips) for each island.
What is the main reason for my trip?
Leisure — quiet sunbathing and dipping in the ocean (Maui), visiting friends, deep sea fishing (the Big Island), riding motorcycles along the coastline.
Relaxation/de-stress from work — massage and body wraps, cooling cucumber facials, pedicures, yoga or hot stone therapy (Lanai).
Adventure — hike through fern forest or look down the mouth of active, Kilauea Volcano safely above from a helicopter (Hawaii Volcanoes National Park – the Big Island), go off-roading, skydiving, or dive with manta rays (Kona coast – the Big Island).
Hawaiian excursions — visit the Hawaiian capital city of Honolulu or historic site like Pearl Harbor, the Royal Palace or Waikiki beach (Oahu), or hop aboard a catamaran for scenic views on different islands.
Hawaiian culture — luau's, hula shows, ukulele lessons, learn native surfing (Maui), make beaded or banana leaf jewelry, see theater plays (Oahu), meet native Hawaiians (Molokai).
Family vacation — safe and fun kids activities, budget-friendly accommodations, magic shows, daycare, hotel kid's program (Oahu or Maui).
Special event — wedding, anniversary, or honeymoon destination with romantic candlelight dinners, music, catered cruises (Maui or Kauai).
Luxury — 5-star resorts (Lanai), sailing, private tours by limo or helicopter, gourmet meals with personal service.
What time of the year is best?
Do you prefer lots of warmth and sunshine or cooler weather? Calm or breezy conditions? Keep in mind it rains more during winter months (east coast of the Big Island) It's also important to consider the many micro-climates of each island.
When is the best time for diving (ocean and weather conditions), or to see marine life (whale watching off Maui, December-April, or glass bottom boat excursions when water is clearest)?
When is the best time for festivals and state celebrations, or special events (triathlons or World Surfing championships on Oahu's North shore) you want to attend?
Quick Facts:
- Lang: English, Hawaiian
- Currency: USD, dollar
- Time zone: GMT -10 h
- Tel. country code: +1
What activities do I most want to do?
Sample the food culture — trying delicious local seafood, tropical fruits & salads, creative appetizers and award-winning wines (Oahu).
Sports — world-class windsurfing on Maui's Ho'okipa Beach, surfing, kitesurfing, kayaking (Kauai or Oahu), scuba diving (Maui or Kauai), snorkeling (Molokini crater off Maui), waterskiing, jet skiing, horseback riding in Waipio Valley (the Big Island), see an awe-inspiring sunrise and bike down Haleakala Mountain, a dormant volcano (Maui) or try PGA tour worthy golfing (Maui).
Shopping — gemstones or jewelry, Hawaiian clothing, fine art (Oahu).
Tour activities — cruises, museums (Oahu), dolphin watching (Maui), historic walking tours.
Photography — Any and all islands.
If you wish to explore in comfort via road, renting an RV might appeal to you. For islands of fun activities, this detailed guide will take you further than just around the next bend.
What setting do I prefer?
Are you dreaming of soft sand beaches with lots of social activity, accessible public facilities and lockers, equipment rental booths and food stands nearby? Looking for great restaurants and nightlife (Oahu)?
Do you prefer secluded, natural beaches? Wilderness trails, tropical flowers, and waterfalls? Then Kauai, the lush garden isle is for you.
Do you want quiet evenings with room service at your hotel? Visits to unspoiled Hawaiian heritage forest? Stay on Molokai or Kauai.
Finally, when planning your trip, remember to leave some downtime for yourself. If you organize a jam-packed schedule, time may go by in a blur. Better to savor and remember each day, each magical sunset.


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Asian Art Circle – J.Kiong's personal publication visiting the status of Asian art as per the different countries he visits as a curator.
Sculptor & Sculpture – A Personal look into the story of the creators behind the fine sculptures we see and experience today.
The Modern Sculpture Collector – TMSC is a hub for sculpture enthusiasts who follow the modernist trend of art that is rapidly growing in the global community.
The Sculpture Gallery or SG Blog – An updated article base of insightful and curious pieces about sculpture and the community of artists that surrounds it.
The Art Blog – A worldwide platform that discusses the highs, lows and personalities of the international art scene.
Artsculptor – The Artsculptor Blog is an all-around collection of art and sculpture-related articles that may interest even the most particular of art followers.
Artists that we currently follow:
Louise Bourgeois
Peter Reginato
Dan Flavin
Frank Malina
David Smith


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I used lamp black and charcoal gray for the dark undersides of the clouds in this sketch. To soften the edges of the dark brush strokes (applied to dry paper), I diluted the pigment on the brush and drew it parallel to the initial stroke, as one would execute a graded wash. Toward the bottom of the page, closer to the horizon and further away in distance, I introduced Payne's gray. I hoped that its bluish tint would give the impression of depth.
The overall image is flat with respect to tonal values. The darkest dark isn't dark enough as compared with the whitest white (which is the white of the paper). This is the reason I refer to this sketch as an 'underpainting'. I hope to be able to remedy this.


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Columbia Gorge Montessori Seeking Trained Primary Guide
School Name: Columbia Gorge Montessori
School Location: Gresham, OR
Columbia Gorge Montessori is seeking an experienced, trained Primary Guide for a thriving community for 2020-2021. Ideal candidates will enjoy teaching young children, have a thorough understanding of Montessori and be ready to take their experience to the next level! The successful candidate will have a keen understanding of how to meet children's needs in a Montessori classroom environment (philosophy, education and concepts), as well as an appreciation for cultivating young, independent children. We're looking for a dedicated professional who wants to provide children with an exemplary, Montessori education.
RESPONSIBILITIES (include, but are not limited) to the following:
- Take over a growing Primary classroom for children ages three through Kindergarten
- Build relationships with children, parents and staff to strengthen community
- Manage classroom carefully to ensure all children are learning in a safe, constructive environment
- Prepare materials for the classroom and to continue educating children
- Keep records and monitor children's development
- Participate in parent-teacher conferences and communication
- Meet with directors, assistant and staff on a regular basis
- AMI or AMS Early Childhood Credential
- Enrolled in Oregon Central Background Registry
- Safety set training, within 30 days of employment
- Prior experience in a Primary classroom is preferred
- Flexible and team oriented
This position is year around and full-time with competitive pay, medical/dental insurance, 401K, paid vacation and sick leave. Located in Gresham, OR (conveniently off of I-84) from Portland, OR.
To be considered for an interview, please email resume to email@example.com.


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Invisalign braces are the ideal solution for patients looking for effective tooth movement. It offers an essential alternative to visible fixed braces.
Invisalign treatment is comprised of a set of clear plastic aligners, which gradually move your teeth into the desired position, but without anyone noticing that you are undergoing teeth straightening treatment.
Invisalign aligners are custom-made from moulds and images of your teeth. These are then sent to the Invisalign lab to create your personal set of clear aligners. Every two weeks you change to a new aligner, each one being slightly different in shape, to gently and gradually move your smile into place.
Treatment time can vary depending on your orthodontic condition, but results can be expected between 9-24 months.
Over 10,000 dentists use Invisalign for the straightening of smiles – with incredible results every time.


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Jack Johnson – "Sitting, Waiting, Wishing" – (2005)
Jack Johnson is one of the unsung musical heroes of the 2000s. His music is really good, really relaxed, and really happy. It's chill. But he never realized the commercial, mainstream success of some of his peers (who aren't nearly as good as he is). But talk to people and everyone loves him. Then why won't radio stations play it as much as they play some of the garbage that they do? In Between Dreams might be his best album to date and this song only reached #66 on the Hot 100. At least it got him a Grammy nomination.


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World Events including Chemtrails, Geoengineering, Polar Shift, UFO Sightings, Secret Space Programs, DUMB (Deep Underground Military Bases) GMO, Health, Morgellons Disease, Aerospace Programs,Secret Societies,The Truth Denied Radio Shows, Conspiracy, New World Order,Bilderberg Group, Smart Meters, Artificial Life, AI, Agriculture, Environment, Join the RSS feed on our website www.thetruthdenied.com Join our Facebook pages and sub our You Tube Channel! THE TRUTH DENIED Chemtrails Kill
Thursday, October 30, 2014
What is the ZOMBIE VIRUS? Experts discuss ZOMBIE-FI-CATION
Topic: Proof of ZOMBIES in the modern world. Is a Zombie Apocalypse even possible?
Posted by The Truth Denied at 11:31 AM
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As I listened to the announcer describe the features of this software, I wondered what it would be like to have something like that for my mouth. How many times have I reacted harshly instead of listening first—and later regretted the words I had spoken? Certainly a tone check would have protected me from responding so foolishly.
Paul saw the need for us as believers to check our speech—especially when talking to those who are not Christians. He said, "Let your speech always be with grace, seasoned with salt, that you may know how you ought to answer each one" (Col. 4:6). His concern was that our speech be graceful, reflecting the beauty of our Savior. And it must be inviting to others. Talking with the right tone to unbelievers is vital to our ability to witness to them. Colossians 4:6 can be our tone check.


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Land use planning law has perhaps no other area of greater complexity than variances. And one of the interesting issues that comes up in the context of variances, is the actual standard by which the zoning board is supposed to judge whether a variance should be granted or not.
Many state statutes, including Tennessee's, indicate that a variance should only be granted where there are "practical difficulties" or "unnecessary hardship." But what do those two terms mean? Are they synonymous? Do they have some independent meaning each to their own? And what does it mean in the context of granting a variance?
Here in Tennessee we don't have too many answers. Personally, I believe that it is easier to construe the two terms synonymously. But there are certainly a number of states who refuse to do that, or who will apply let's say the "practical difficulty" standard in the context of bulk variances, and the "unnecessary hardship" standard in the context of use variances. The theory is that use variances should be more difficult to get, and that the "unnecessary hardship" standard requires a higher level of proof. Other states, such as New Jersey, construe the two standards as the same.
I don't think use variances are legal in Tennessee, for the most part, and that makes the distinction between bulk variances and use variances pretty much academic, and there is therefore not much need for any distinction between the two standards, "practical difficulty" and "unnecessary hardship."
The reason I bring this all up is the release of a new opinion from the state of New Hampshire discussing this very issue. The New Hampshire Supreme Court concluded that given recent legislative initiatives in their state, that the "unnecessary hardship" and "practical difficulty" terms refer to the unnecessary hardship test and are interchangeable. Merriam Farm, Inc. v. Town of Surry, 2012 WL 2913206 (NH 2012).
I'm hopeful that if the issue ever arises here in Tennessee, that our Supreme Court will reach a similar result.


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Convexsoft Dj Karaoke Mixer Software
This is a full-featured DJ and beat-mixing system to rock your parties with four independent decks and professional sound quality, as well as beat-sync display, pitch control and fast-seek mode.
- DJAudioSetup.exe
- ConvexSoft
- Shareware ($19.95)
- 8.29 Mb
- WinME, Windows2000, WinXP, Windows2003, WinME, Windows Vista
Full-featured DJ and beat mixing system which lets you groove to your own style of DJ music. Professional independent decks, beat-sync display, pitch controls, fast-seek, cue, cross fader, and dozens of sampler decks are among its functionality.
- DJ-Music-Mixer_Setup.exe
- Program4Pc
- Shareware ($29.95)
- 21.69 Mb
- Win7 x32, Win7 x64, WinVista, WinVista x64, WinXP, Windows 8
Karaoke Mixer is very useful tool for singers to mix recorded voice with karaoke backgroundto mp3 on the fly. You can use midi,kar,mp3 and ogg files as a background sound and wav file with recorded voice. Use powerful sound settings for both sources.
- KarMix_v1_0_setup.exe
- Audio4You Software
- Shareware ($8.90)
- Win98, WinME, WinNT 3.x, WinNT 4.x, Windows2000, WinXP
Mix music and voice from microphone to wav or mp3 file in real time and adjust volume when mixing. Capture audio to Wave, WMA, MP3 file format. Include c# , VB.Net, VFP, VB , VC++, Delphi Audio Capture, Change Pitch Sample.
- karaokemixersetup.exe
- Viscom Software
- Shareware ($280.00)
- 5.67 Mb
- Win95, Win98, Windows2000, WinXP
Karaoke Mixer is now available as a standalone application.You don't need advanced software to mix karaoke background and recorded voice any more. With this great tool mixing Karaoke is very easy.
- KarMix_v1_1_setup.exe
- Audio4You Software
- Shareware ($)
- 1.08 Mb
- WinXP, Win Vista, Windows 7
MixUp is a DJ style mixer which lets you mix up to 4 tracks of audio (mp3 or wav) in real-time and save the results as a live mix or as perfectly timed sample loops.You can choose whether to use all 4 decks for mixing loops, or mix songs in the top 2 decks and use the other decks for previewing sounds and adding loops to your mix.Separate output and monitor levels mean the software can be used for live mixing, and the shared output mode lets .
- mixup_installer.msi
- Spacehead Systems
- Shareware ($)
- 17.32 Mb
- Win All
Welcome to Next Generation Software's web site for Virtual DJ Studio, our full-featured DJ and Karaoke system. Virtual DJ Studio redefines the concept of DJ and Karaoke software on the PC.
- VDJSetup.exe
- Next Generation Software, Inc.
- Demo ($34.95)
- WinXP, WinVista, WinVista x64, Win7 x32, Win7 x64, Win2000, Win98
Make your own karaoke music video, Record video greetings for free, promote your own music.record your music video no editing you can record ,kar,mp3.vmw or use dvd player, karaoke, cdg player that you connect to your computer.
- KaraokeCamstarRecorder 1,3.exe
- karaoke camstar
- Freeware (Free)
- 3.52 Mb
- Windows2000, WinXP, Windows2003, Windows Vista
This is an easy to use and powerful conversion tool that lets you convert video files such as DivX, XviD, AVI, WMV, MPEG1, MPEG2, MP4, 3GP, 3G2, 3GPP, 3GP2, RM, RMVB, MOV, SVCD, VCD, ASF, MKV and FLV formats to animated GIF, SWF and FLV flash files.
- Video2flvswfgifSetup.exe
- ConvexSoft
- Shareware ($29.95)
- 18.31 Mb
- WinXP, Windows2000, Windows2003, Windows Media Center Edition 2005, Windows Vista
This is an easy to use and powerful conversion tool that lets you convert various video formats such as DivX, XviD, AVI, WMV, MPEG1, MPEG2, MP4, 3GP, 3G2, 3GPP, 3GP2, RM, RMVB, MOV, SVCD, VCD, ASF, MKV and FLV formats to Sony PlayStation video. ...
- VideoPlayStationSetup.exe
- ConvexSoft
- Shareware ($19.95)
- 16.29 Mb
- WinXP, Windows2000, Windows2003, Windows Media Center Edition 2005, Windows Vista
Juke That, your Party Jukebox. Your guests wish songs, you lean back. The Automatic DJ takes care that the music never stops. Make your own Karaoke songs and sing to them, and synchronize your libraries with ease.
- JukeThat_en.exe
- Thomas Jacob
- Shareware ($12.95)
- 6.2 Mb
- Win2000, WinXP, Win7 x32, Win7 x64, Windows 8, WinVista, WinVista x64
Finally entertainment software anyone can use! Aria's simple interface lets you get into the mix right away, you don't need to pour over a complicated user's manual. It's simple, social, fun and entertaining. Aria is for people who want to do more. ...
- Aria_Installer.exe
- Aria Software
- Freeware (Free)
- WindowsXP, Vista, Vista64, 7, 7x64
Related: Convexsoft Dj Karaoke Mixer - Karaoke Mixer Software - Karaoke Mixer Recorder - Karaoke Mixer Player - Karaoke Mixer Windows


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Our Summer Bible Series will be held Wednesdays July 10, 17, & 24. We will serve supper at 6:00 p.m. and session begins at 7:00 p.m. The entire family is welcome, as well as cousins, aunts, uncles, grandparents, neighbors, coworkers, and friends! This year we will explore The Bible Project's, Wisdom Series: Proverbs, Ecclesiastes, and Job. More details at: https://thebibleproject.com/explore/wisdom-series/
To register scan the QR code above or online at:


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Pursuing Compensation After a Slip and Fall Injury
With the temperatures dropping and the leaves falling from the trees, all Illinoisans know that winter is coming. While the greater Chicago area often resembles a winter wonderland during the coldest months of the year, the changing of seasons also comes with some new dangers. Along with colder weather, ice and snow will soon be finding their way onto sidewalks throughout the state.
For pedestrians, the inclement terrain that comes during the winter months can be particularly hazardous. According to the Centers for Disease Control and Prevention (CDC), over 800,000 Americans are hospitalized each year due to slip and fall injuries. If you or a loved one are injured after falling at or near an establishment, you should speak to an attorney to determine whether you may be able to pursue financial compensation.
What Fall Injuries Can Cost You
While the vast majority of people that suffer a fall walk away relatively unharmed, some are not so fortunate. The majority of hospitalized slip and fall victims suffer either head or hip injuries. Head injuries can cause concussions, painful headaches, and loss of cognition. Injuries to the hip can cause stiffness, loss of mobility, and loss of work hours. Both of these injuries can be excruciatingly painful, and they may require expensive medical treatment. Studies conducted by the CDC found that the average slip and fall hospitalization results in approximately $30,000 in medical costs.
Impact on Elderly Americans
Tragically, slip and fall injuries have a much more severe impact on elderly Americans. One in four Americans over the age of 65 suffers a serious fall injury each year. Falls are much more common among elderly Americans due to their lower body strength, difficulties with balance and mobility, and loss of vision or cognition. When an elderly person suffers a fall, it is likely to come with more severe injuries, such as hip fractures and other broken bones. The CDC estimates that 95% of all hip fractures are caused by falling. Over 300,000 elderly Americans are treated for hip fractures each year.
Contact a Waukegan Personal Injury Lawyer
Slip and fall injuries can come with serious ramifications and a significant medical bill. At Salvi and Maher, L.L.C., our team of personal injury attorneys have years of experience helping those that suffer fall injuries which were caused by a property owner's negligence. Whether you are a shopper who slipped and fell outside of an establishment or the family member of an elderly person who suffered a fall in their nursing home, we can help you pursue the full and fair compensation you deserve. To set up a free consultation with a Lake County slip and fall accident attorney, call us today at 847-662-3303.


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Filling in the income tax form has become a breeze since last year, with the introduction of an option to deduct a flat 15 per cent from rental income for expenses incurred from a residential property that was tenanted out.
This saves the taxpayer time and effort in retrieving documents to prove their expenditure to record in the form.
The Inland Revenue Authority of Singapore must have done its homework in coming up with this option.
Perhaps, it could tweak the percentage progressively upwards as the property ages, given that older properties need more maintenance and care.
Gan Kok Tiong


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The average American eats out between 4 and 5 times per week. At least one of those times should be at your restaurant. Whether you offer fine dining, family style or casual dining, we've got you. Every template is customizable—images, fonts, colors, graphic effects. So get cookin'.
Sivumele sithuthukise isayithi ngokuqoqa ukusetshenziswa kwedatha okungaziwa kusayithi.
Sivumele siveze imikhangiso ka-PosterMyWall kwezinye izingosi.
Sivumele siveze imiklamo efanele kwabavakashela isayithi.


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Yoga And The Art of Washing Up
This week our Yoga By Donation class will be taught by new recruit and one Sydney's most in-demand yoga teachers, Misch Gomez. Misch is a full time teacher at Redfern's Humming Puppy, and also teaches at Paramount Recreation Club in Surry Hills, Barefoot Yoga in Paddington and corporate offices around Sydney. She talks us through the journey from yoga newbie in daggy clothes to full time yoga teacher, how she used yoga to deal with her severe anxiety and panic disorder diagnosis, and how yoga can help you wash the dishes and reply to emails.
"I was diagnosed with severe anxiety and panic disorder in my teens and had been prescribed a variety of medications which I was never very good at taking consistently. I would have severe panic attacks and anxious episodes multiple times a week - sometimes multiple times a day when I was having a bad patch… I had days where I couldn't leave my house, couldn't interact with other people, couldn't even get out of bed and prepare a meal for myself.
I fell into yoga completely by accident. I've always been active and meditated for a long time but a very dear friend of mine was the first person to introduce me to yoga... I fell head over heels in love with yoga, it truly was love at first asana. My first real life teacher told me the reason I was so sweaty during class was because I had so much bad karma to work through! It's funny now but at the time that made me work even harder as if I could sweat and stretch out all of my past life sins!
I was practising twice a day, morning and afternoon, when I decided I should go on a week-long "yoga retreat" in Bali. While I was there, immersed in my daily practice, a fellow student asked me if I was a yoga teacher. It took me a moment to reply as the universe opened up around me as if singing "YES!" whilst I replied, haltingly, no. That's when I decided that I needed to chase that feeling that yoga still gives me every time I practice and offer the practice: the humbling, space-holding, joyous place where we are one, and all one.
I came home and signed up to a 200 hour training in Bronte. It was sheer convenience at first… I wanted somewhere I could "fit it in" to my life and study yoga part time. [I was working] in middle management, under a lot of external and self imposed pressure and stress. When I found yoga I experienced a significant shift in the tension and soreness my body was physically manifesting. I had constant pain in my shoulders and upper back for as long as I can remember. All of a sudden it completely disappeared.
Along with this, I would remain in a kind of "bliss state" post yoga which I'd never encountered through any other kind of exercise - different to the endorphin high from lifting weights or doing cardio. Everything looked and felt slightly different - the world seemed to burn a little brighter. I was much more able to see the beauty in my day to day.
Two weeks into the five month teaching course, I quit my job and dove in head first!
I did my first training at Sukha Mukha and studied further with Katie Manitsas (Jivamukti) including Ayurveda and pre & post-natal Yoga, Yin with Embodied Flow, Vinyasa Flow with Laughing Lotus and I'm about to do Hatha and Tantra training at The Practice in Bali. One of the yogic observances is "svadhyaya" which translates to self study and it really is an ongoing, ever evolving practice. I read and practice A LOT which guides my teaching and offerings.
When I first started teaching yoga I looked for that special place that felt like home - which for me was Humming Puppy in Redfern. I was practising and interning there and teaching small classes to my friends, colleagues and anyone else I could rope into my classes in a tiny room I'd made into a shala above a bar I was managing.
I was asked to come on board as a receptionist for nine hours per week - which obviously is not enough to pay Sydney rent - but I saw a door and I jumped through it with a resounding yes. I'm definitely an "ask questions later" kind of person, when something feels right I go for it and I figure the rest out later. (So far, so good - thank you universe.)
I was teaching community classes, offering donations to The Yoga Foundation who "bring the benefits of yoga to disadvantaged people experiencing anxiety and depression" and slowly but surely started teaching regular classes in studios. I've really only been a full time yoga teacher for about two years now, teaching twenty classes a week or more, both in studios [like Paramount Recreation Club in Surry Hills, The Well in Bondi, Barefoot Yoga in Paddington and Veda Yoga by Yogibeings in Bondi and Paddington] as well as corporate and private yoga.
When I found out there was a yoga offering at Sorry Thanks I Love You I couldn't say no to being on the teaching bench - especially with the new donation based Wednesday night classes supporting the Chris O'Brien Lifehouse. I love the ethos of Sorry Thanks I Love You and the carefully curated offering of handmade, unique products that make the best gifts! A big part of the yoga tradition is being of service to others and I'm so grateful for the opportunity from Sorry Thanks I Love You to put the teachings into practice.
In my experience, at first the hardest part of meeting yourself on your mat for yoga or meditation is that initial drop into stillness and quiet. All of a sudden all of the "stuff" (stress, to-do list, worries, anxiety, tension, bodily issues, mind chatter) comes rushing in like a wave. Most of the time it is challenging to be still and quiet while this is happening inside of us - I guess that's why they call it a practice!
The magic happens when you can sit in the discomfort of all of the things that are trying to draw you away from the moment and just begin to tune in. Begin to observe that you are not your thoughts, or even your body and that this "stuff" is like weather, it arises and falls away, changing rather quickly. Underneath all of it is the serene, peaceful, open nature of your true self. Joyful, loving, kind, abundant.
When you can find this place within, it becomes much easier to find this place throughout the challenges and discomfort off the mat, in "real life," in places and people. I find that yoga can help find this place through the connection of breath and movement. It's almost like the mind and body are so distracted by figuring out where the right hand and left leg go, whilst breathing deeply through it all, that your happy place finds you.
It becomes a moving meditation that is transferable to all situations - your morning pot of tea, replying to emails, packing your husband's lunch, washing the dishes, brushing your teeth. Everything becomes yoga as you are able to become present and clear.
I have observed this "self improvement" work in many, many individuals... From something like weekly stress from your job being softened by a Friday night Yin practice, to severe and lifelong depression being improved by daily Vinyasa practice. There is a practice for everyone - and I haven't even mentioned the benefits of releasing physical bodily stress!
[These days] my mornings are quite prescriptive with meditation, incense, tea and tarot cards with the yoga asana (physical movement practice) fitting into my day whenever it comes - as my schedule definitely isn't 9am-5pm, and doing yoga for the sake of it isn't appealing to me. It's a moving meditation and the real yoga happens moment to moment, off the mat.
Yoga has completely changed the state of my mind and I truly believe it is medicinal and healing in so many ways. There are so many benefits to a yoga practice. Physical, mental, spiritual. It's one of those things that is different for everyone and until you find the practice that is right for you, dabble in everything! Try different styles, studios, teachers… in person, online, from a book - however you get the yoga, it is yours and will be ever evolving. It is a practice and if you don't try, you will never know."
We offer free yoga on Monday nights and Yoga By Donation on Wednesday nights in our Sydney store at No 1 Martin Place. Mats are provided and all levels are welcome. Misch will be teaching this Wednesday 17 May. To join us at either class, click here.


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Stepping Stone Hove Childcare & Early Development Centre
Centre details
Opening Hours: 6:30am – 6:30pm Monday to Friday
Address: 382-388 Brighton Road, Hove SA 5048
Phone: 8377 3881
Capacity: 120 children
Centre Director: Jill Kestell
Assistant Director: Leonie Inns
- Purpose built facilities
- 6 rooms – Birth to School age
- Outdoor play spaces offering different environments, sandpits and shade that allows children to play and explore
- Developmentally age appropriate curriculum incorporating the Early Years Learning Framework
- Security system to access the building
- Sun Smart Centre
- Nutritious meals cooked on site using the Nutrition Australia Guidelines
- Nappies, linen, hats and Sunscreen provided
- Experienced, friendly, qualified team of professional educators
- Storypark app used as an online interactive communication platform
- Kindergarten program run by an Early Childhood Teacher
- Reduced holiday rate
- Reduced rate for Armed Force
Welcome to Stepping Stone Hove.
Here at Stepping Stone Hove we have 6 spacious light filled rooms catering for 120 children. These rooms are extremely inviting and offer a large variety of educational resources.
Our large outdoor learning environments have a focus on nature that allow children to explore, take risks, build confidence and have fun.
We have a team of passionate, dedicated early education and care professionals who are enthusiastic and caring. Our team works collaboratively with the children and their families to build positive relationships, where children feel safe and supported in their learning and can develop at their own pace.
We use the Early Years Learning Framework as a platform to ensure children continue to learn and develop through play and enhanced through intentional teaching.
Meet the Centre Director
Welcome to Stepping Stone Hove Childcare & Early Development Centre.
My name is Jill Kestell and I am the Centre Director here at Stepping Stone Hove. I am married with three grown up sons and 3 beautiful grandchildren and have been involved in early education and care for over 20 years. I believe in giving every young child the opportunity to reach their full potential, to discover and learn through play.
At Stepping Stone Hove we offer a warm, friendly, caring and stimulating environment for families and children, where children are encouraged to have fun, explore, take the initiative and be involved in making decisions about their own learning.
We welcome you to visit us and look through our remarkable Centre.


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"Simply, these AE1s do everything they do with a flourish. And that's not only by the standards of directly competing active speaker alternatives, but also by what we've been able to achieve in any price-comparable amp/speakers combination."
"What I liked about the bass was that it didn't showboat but sat within the mix. It retained its individual nature and was both effective and powerful but didn't pretend that it was the star of the show. That is, it didn't swamp the soundstage but knew its place and was more effective because of it."
"The compact Acoustic Energy does well here too, conjuring up a large soundstage that boldly goes – in my listening room – where few other small loudspeakers can."
"These AE109 floorstanders are exactly what good budget hi-fi should be. Exciting with rock and pop, authoritative with classical and sparkling with everything in-between. You can pay a good deal more and get a great deal less for your money."
Product of the Year
"This speaker rocks and the impact of drums and other instruments is explosive thanks to its dynamic capabilities."
Acoustic Energy has been producing world class loudspeakers for over thirty years. Born from the demands of the studio, our speakers are designed to combine accuracy, excitement and user friendliness, bringing our vast experience to every level and type of product we make. We have garnered awards and praise globally for our products and our innovation in materials and technology has also been recognised on many occasions.


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Amazon announced the Fire TV Stick, its streaming media stick, with Alexa Voice Remote and TV Control, for a retail price of Rs 3,999.
Customers can find their movies and TV Shows on Amazon Prime Video or launch their apps by asking Alexa.
Existing Fire TV Stick customers can purchase the all-new Alexa Voice Remote with TV control separately for Rs 1,999.
The Fire TV Stick with all-new Alexa Voice Remote is available for pre-order from today and will start shipping in the last week of January.
Customers can pair any Echo device with Fire TV Stick to control their channels hands-free. You can ask Echo to play and search for movies and TV shows, launch apps such as Netflix, Hotstar, Voot, SonyLiv, Zee5, and more, and control playback on your Fire TV without lifting a finger.
The Firefox or Silk browsers help customers visit websites such as YouTube, Facebook and Reddit. Customers can also listen to songs, playlists, live radio stations, and podcasts through services like Amazon Prime Music, Saavn, Gaana and TuneIn.
The Alexa Voice Remote is compatible with all Fire TV devices in India and can control power and volume on thousands of TVs. For more information on device compatibility, visit amazon.in/alexavoiceremote


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This game cannot be played in mobile devices. Sorry for that! :(Play our mobile games!
İn Kiqqi Owl Clix, short but fun matching game for kids all ages - click on at least 2 owls of same color to make them disappear, and do it fast and smart.
Use mouse to interact with the game.
Date Added: 2020-07-06
Category: Puzzle Games
Played 868 times
Tags: kiqqi owl clix puzzle Game games
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Statistics Bulletin: Imports, Employment, Visitors
According to the 2017 Q2 Quarterly Bulletin of Statistics, the value of imports increased 37.4%, employment income increased 4.0%, and the Island hosted 87,324 air visitors during the second quarter of 2017, an increase of 15.3% when compared to the same period of 2016.
The report said, "The value of imports increased 37.4 per cent to $355.3 million. All commodity groups recorded increase with the largest increases being recorded in the finished equipment category and transport equipment such as yachts.
"Imports from the United States of America increased to $226.1 million. Imports from the 'all other countries' category rose $20.1 million and imports from the Caribbean region increased $13.6 million. Imports from the United Kingdom was $11.9 million higher year-over-year.
Chart extracted from the report:
Employment Income by Industry
The report said, "Employment income increased 4.0 per cent or $32.2 million. The international business sector recorded the largest increase in remuneration of $18.1 million due to higher stock options. Another notable increase was recorded for the wholesale and retail sector which rose $5.9 million.
Arrivals and Expenditure
"The Island hosted 87,324 air visitors during the second quarter of 2017, an increase of 15.3 per cent when compared to the same period of 2016. Estimated total expenditure by air visitors rose 30.6 per cent to $137.8 million year-over-year. Visitors spent $19.9 million more on accommodation and food as well as $12.4 million more on shopping, entertainment and transport services.
"A total of 63 cruise ships visited the Island carrying 138,760 passengers. Total expenditure for these passengers was estimated at $22.6 million, reflecting a $2.4 million decline.
Chart extracted from the report:
Hotel Accommodations
"At the end of April 2017, there were 2,486 workers employed within the hotel industry. The level of employment increased by 103 employees, representing 25 less Bermudians and 128 more non-Bermudians.
"Hotel gross receipts totaled $112.4 million. This represented an increase of 16.9 per cent or $16.2 million. The gain in hotel gross receipts reflected mostly an $11.9 million rise in room sales. The combined sales of food and alcohol grew $1.5 million year-over-year."
The full Quarterly Bulletin of Statistics follows below [PDF here]:
Read More About
Comments (3)
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This is excellent news and shows that Bermuda can create economic situations that stimulate the economy.
Thank you to everyone that made the AC happen. There are so many of us in Bermuda that are grateful for your vision and committment to this event.
I do hope that one day most Bermudians, including the current sitting Government, will look beyond the programmed logic they had to support and see this event for what it was–an economic stimulator and global success of which we should all be proud.
Thank you ACBDA team and everyone that put their money where their mouths were to make this event make Bermuda shine.
If only everyone that talked so much could deliver such results we would be a very successful country and society.
Blessing abound.
This all happened while the OBA was in government.
The real test is yet to come. The results should be very interesting!
Watch the debt ceiling rise. Each day now we hear of more civil jobs being created. Think Tanks with payments attached. For a party that convenienced the public they understood the job and had a plan to continue upward mobility for all of of us Bermudians, this is a bad joke. Anyone know how much the Min bus contracts are up to? Enough to buy all the School kids parents / guardians cars of their own. The not so funny part is our credit limit is max out. I call this one a house of cards, with no aces left. Good luck on borrowing more money at the highest interest rate. If you don't understand inflation you will feel.


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A compilation of resources for women seeking a positive, drug free, intervention free, empowering birth!
Ina May's Guide to Childbirth – Ina May Gaskin
Spiritual Midwifery – Ina May Gaskin
Birth Matters: A Midwife's Manifesta – Ina May Gaskin
Childbirth Without Fear – Grantly Dick Read
Birth and Breastfeeding – Michel Odent
Birthing from Within – Pam England
The Water Birth Book – Janet Balaskas
Birth Your Way – Sheila Kitzinger
Bountiful, Beautiful, Blissful – Gurmukh Kaur Khalsa
Home Births: Stories to Inspire and Inform – Abigail Cairns
The Father's Home Birth Handbook – Leah Hazard
Gentle Birth Companions: Doulas Serving Humanity – Adela Stockton
Memoirs of a Singing Birth – Elena Skoko
Sheila Kitzinger – Birth and Sex
Books For Children
Hello Baby – Jenny Overend and Julie Vivas
Our Water Baby – Amy Maclean and J Nesbitt
Online video resource about the state of birth around the world today with contributions from experts like Sheila Kitzinger, Ina May Gaskin and more. Save Birth, Change The World.
Information links and stories for those hoping for a home or natural birth.
Grassroots movement to spread positivity about childbirth via a global network of free Positive Birth groups, check their site for more info or to see if there is one near you.
Campaign for Normal Birth via the Royal College of Midwives
All about Doulas, and find one in the UK.
Doulas in the USA
Paying for continuity of care and expert help on of the most important days of your life is a choice worth considering.
Campaign for all women to have one to one care from their own midwife, and be able to choose where to birth.
Doula-lly – blog from a London doula, lots of birth info
Memoirs of a Singing Birth – great blog and a lovely book too
Birth Without Fear
The Pitfalls of 'Going with the Flow' in Birth
Code Name: Mama – Thirty Natural Birth Videos
Natural, Empowering Birth: Ten Ways to Prepare Differently
Becoming a Mother: The Wallpaper of Fear
Birth Plan, by Janine DeBaise
Facebook Groups
Bring Birth Home
Developing Doulas
One World Birth
One Born Every Minute – The Truth
The Birth I Want
Short Films
Documenting Delight – Born at Home
A beautiful film to move and inspire.
Fate of Earth – Fate of Birth
Explaining brilliantly why the way we birth is so fundamentally important:
One World Birth
Trailer – calling for a fundamental change in the way we view birth in the Western world:
Everyday Miracles
Positive and empowering birth in hospital:
Sadie's Homebirth Diary
With the help of Independent Midwife Virginia Howes, Sadie doesn't think she can do it – but she does.


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Daily Links 2/26/2013: SAP and Ericsson join forces on M2M services
Follow @phillytechnews
Subscribe in a reader
Subscribe to Philadelphia Tech News by Email
SAP adds to supply-chain tech with SmartOps acquisition
SAP plans to tie SmartOps' technology to HANA (Infoworld)
SAP and Ericsson join forces on M2M services (Network World)
SAP Transitioning To Cloud And Other Growth Areas (Investor's Business Daily)
Q&A with SAP CTO Vishal Sikka.
SAP Shifts 5,000 Direct Accounts To Channel Partners (CRN)
InterDigital and SemperCon Launch CirrusCon, Cloud-Based Platform for Mobile Application Bandwidth Control, Connectivity Management (Business Wire)
Philadelphia: Give Sharing a Chance (Sidecar Blog)
Oracle: Eloqua Will Stay Friendly With Salesforce.com (Information Week)
Salesforce unveils 'customer company' mantra: Can it deliver? (ZDNet)
Verizon's Shammo: 50 Mbps is FiOS' sweet speed spot
Reaffirms copper-to-fiber transition initiative (FierceTelecom)
Comcast's 'X2' to Get Personal With the TV (Light Reading Cable)
Maybe You'll Get the Pay TV You Want, After All: Cablevision Sues Viacom to Break Up the Bundle (All Things D)
Comcast Business, Baltimore Tech Park partner (CED Magazine)


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This week in third party risk related news: Chase Bank hit with downgrade as a result of improper third party risk management, cybersecurity remains a topic of focus, working with fintech companies, an extended exam cycle for these types of banks and more.
Industry News for the Week of August 27
Cybersecurity horror stories – if you think the Target breach being facilitated by compromising an HVAC contractor's credentials is bad, read this.
Fintech charter requirements present many barriers to entry: Read here
Chase Bank downgrade in part due to gaps in its outsourced technology infrastructure (i.e., third parties!): Read here
BankDirector survey focuses on technology and cybersecurity: Read here
Regulation falls on state AG's as CFPB focuses on consumer education: Read here
Add-on products, like identity theft protection, have long been an enforcement target for the regulators – Santander just exiting an enforcement action that stretches back almost a decade: Read here
Major SEC enforcement action against Transamerica: Read here
The delicate balance of banks working with fintech companies: Read here and here
OCC announces extended exam cycle: Read here
Community lenders tell big tech vendors to get up to speed: Read here
Cybersecurity continues to remain a threat to businesses and their vendors. What measures do you and your third parties have in place to combat these types of risks? Download our infographic to learn what it takes.