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Remove airborne fugitive dust by installing a highly efficient filtration system.
Controlling dust and preventing it from becoming a problem can be accomplished using one or more of three strategies: filtration, suppression or containment. Martin Engineering manufactures active dust filtration systems that use a fan to force air through a filter medium above the conveyor loading zones, as well as passive systems that do not require a fan.
Both types of filtration are designed to collect dust particles so they agglomerate into larger particles, which are returned to the material stream. Because these systems feature a compact design, they fit into tighter spaces without sacrificing effectiveness. Models specifically engineered for use with explosive materials in hazardous locations are available.
Our technicians and engineers are available to provide expert advice and assistance on these products and all of your bulk material handling questions and problems. Please contact us today and let us help!
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National Geographic had a lot to answer for, as to why we were in the Atacama desert. Their glossy pages a siren with incredible images taken at both Valle de la Muerte, Death Valley and the more infamous Valle de la Luna, Moon Valley
We had opted for the slightly longer hike around Valle de la Muerte. Mars Valley, or Death Valley as it is confusingly also named; allegedly the Priest that named the valley "Marte" was misunderstood by the Spanish speaking population. Either way, it is a strangely stunning place, pretty much devoid of any vegetation which kinda makes you wonder how the numerous caterpillars survive that we saw. From the imposing cliff top you can clearly see the gorge and road cut into the mountain-side, by sulphur miners many yeas ago. Jagged ridges of mountains with vertical strata lines, suddenly give way to weather worn drifting sand banks and huge dunes.
Dropping down from the cliffs onto the ridge of the 'Great Dune', our guide, Cezar, suggested we take our boots off. We didn't need to be asked twice. Off they came and we took off along the ridge, feeling like we had struck gold when our feet found cool moist sand below the surface. Like a bunch of kids we ran down the steep side of the slope, each stride sending a mini avalanche of trickling sand with it. Yep, if you are up for sand surfing, this is the place to do it…. Pity about the achingly long slog back up..!
After a cold beer and tasty lunch of ensalada, followed by vientre de cedro, pork belly with savoury rice at the lodge, we were ready to hit the trail again. This time to the infamous Valle de la Luna.
There is an very compelling reason by NASA tested it robots out in this part of the Atacama – otherworldly rock formations, huge layer cake salt mountains in an barren landscape pock-marked with a few salt basins and a vast crater – it's the closest they can get to Seeing how primitive life forms can survive, on this planet.
Sheer high rocky walls and a sandy valley below, make it look similar to the Grand Canyon in places; sand banks and rocky paths, a strange trip to the seaside. Natural erosion has sculpted weird and wonderful shapes out of the rock; the three Mary's – now two and a half (one lost it's head!) and strange twisted fingers of rock point eerily skyward.
We huffed and puffed our way up layered dunes, across the crunchy salt rock strata to Piedra del Coyote or Cari viewpoint, as it is sometimes called. It was so worth it. At dusk the valley took on the most incredible hues; the clay and mineral salt mountains turning everything from gold, burnt orange to cardinal red, fuchsia and deep purple before us. We sat in silence, wrapped up in warm fleeces and hats as the light faded, totally mesmerised.

subset: commoncrawl


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Major soccer teams such as Futbol Club Barcelona and Manchester United are picking up millions of followers on Facebook and other networks—and waking up to the revenue potential of social media.
For example, just three clubs—Barcelona, Manchester United, and Real Madrid Club de Futbol—combined have more than 43.5 million Facebook followers. Contrast that with 3.8 million friends for the New York Yankees and less than 900,000 for the New York Giants.
And soccer fans are not just passive followers. Besides fan-engagement features such as games and videos, the social media pages of top teams have integrated e-commerce sections where you can buy anything from tickets to players' shirts.
Do not forget the business aspect of football clubs. Clubs are using LinkedIn for business-to-business aspects of their operations, such as marketing hospitality suites.--Brendan Cooper, social media consultant
Apps are becoming a good source of revenue. Atheer Al-Salim, head of SoSocial, a social media agency that works with football clubs in the United Kingdom, tells how a friend of his recently got hooked on I Am Playr, a Facebook game that has 150,000 players and lets them "live the life of a superstar striker."
"He spent £10 [$16] in one evening," Al-Salim says. "If everyone puts that much in, that is £1.5 million [$2.5 million] already."
Soccer clubs, which traditionally make their money from ticket sales, media rights, sponsorship and merchandising, have good reason to invest in social media. Few sports fans are as rabidly loyal as soccer supporters, and many are happy to increase the cash they spend on their team.
Social media platforms such as Facebook, Twitter and YouTube give fans additional points of engagement with their teams over and above fixtures and other events. Each of these points represents a potential sale opportunity, particularly if offers are tailored to, say, Facebook fans only, to create a sense of exclusivity.
Indeed, social media is ramping up in soccer, but it likely won't replace live sports events. "I do not think paying for an app is going to stop you going to a game or buying a shirt," Al Salim says "These things will always come first."
The revenue potential is not just from sales to fans. Games and social media sites contain advertising space that can be used to increase the value of sponsorship packages sold to brands. Liverpool Football Club, for example, promotes its sponsor, Standard Chartered Bank, on an iPhone and iPad app called Liverpool Shootout.
Finally, says social media consultant Brendan Cooper: "Do not forget the business aspect of football clubs. Clubs are using LinkedIn for business-to-business aspects of their operations, such as marketing hospitality suites."
Soccer players are also becoming savvy at social media. Manchester United center back Rio Ferdinand, for instance, has launched his own app for Android mobile operating systems.
For players it can be a double-edged sword, however, as Ferdinand's teammate Ryan Giggs discovered when his media gagging order over an extra-marital affair was exposed on Twitter.
Still, many soccer clubs have a lot to learn about social media. "The thing to remember is that they are massive brands but not massive businesses, SMBs essentially," Al Salim says. "The advantage they have over regular brands is their target audience is far more willing to be engaged through social media, so they have won half the battle before they have begun."
Technology areas the experts believe clubs could exploit further include:
· Mobile: While many clubs (and players) have released smartphone apps, there is still potential to further harness the power of mobile networks through location-based services such as Foursquare.
· E-commerce: Clubs' use of different technology channels for e-commerce is patchy at best; even Real Madrid, one of the largest clubs in the world, does not yet sell products on its Facebook page. And no club has tried emulating Dell, which has made millions selling via Twitter.
· Video: Soccer is nothing if you cannot see it. Even though clubs already recognize this, with many even having their own TV channels, there are likely to be many more opportunities to exploit this. An example is Cisco StadiumVision, a video and digital content distribution system.
Jason Deign is a freelance writer located in Barcelona, Spain.
The contents or opinions in this feature are independent and do not necessarily represent the views of Cisco. They are offered in an effort to encourage continuing conversations on a broad range of innovative technology subjects. We welcome your comments and engagement.


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Keegan hungry to make an impact at Oriel
New Dundalk signing Jordan Keegan is hoping to put a frustrating spell at St Patrick's Athletic behind him and get his career back on track following his move to Oriel Park.
Keegan was one of three signings announced by the club last Tuesday - Fran McCaffrey and Ciaran O'Connor also penning deals at the club - and the former Monaghan United winger feels he is coming to a club very much on an upward trajectory.
"I've been very impressed with Dundalk. We're in the top four and I don't think we should have any doubts that we can challenge.
"If you don't think you can win the league then you shouldn't be in it. I just want to try and get into the team now", said Keegan.
After a spell at Southampton as a teenager, Keegan moved to Inchicore in 2011 where he made just six top flight appearances, all as a substitute.
A move to Monaghan United came midway through the campaign and he helped Roddy Collins' side achieve promotion at the end of that season.
Keegan's performances for Monaghan United in the Premier Division last season earned him a move to Scunthorpe United when the Gortakeegan club went out of business but he failed to make an impression and returned to Inchicore at the start of 2013.
However the 21-year-old made just two appearances for Pat's this season and after a frustrating 12 months, he said he was chomping at the bit to get going.
"Pat's have been winning games and doing well", he reflected. "They're top of the league so you can't really complain if you're not playing. But at my age I need to be playing week in, week out.
"The only way I'm going to improve is by playing games", he said. "I think I'll get the chance at Dundalk to prove myself and get my career back on track. It's a great opportunity for me here. I just want to show the fans what I can do."
Dundalk fans will already be familiar with Keegan's talent. The winger scored twice for Monaghan United in their 2-1 win at Oriel Park last season and he is hoping that he can recapture that sort of form.
"They were two alright goals", he smiled. "Hopefully I can do that for Dundalk now, instead of scoring against them."
The 20-year-old McCaffrey's contract expired at Hull City and Kenny moved quickly to acquire his signature after watching him in Dundalk's 2-2 friendly draw with Glentoran last Sunday.
"Fran glides across the ground", said Kenny.
"He is very elegant and carries the ball beautifully. He can play wide but we see him as a 10. I love technical players like that. I'll try and get as many of them into the team as possible."
Youngster O'Connor, who hit 16 goals for the club's Youth team last season has signed a one-year professional contract.


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My opinions: I agree with his suggestion on question 3, that both the inline-level edges (start/end) and the block-level edges (before/after) should have conditionality. For consistancy with CSS, the inline-level conditionality must be "discard". The current version of CSS does not address this on block-level elements, but I think both should be consistent. I recommend that we change the initial value on conditionality to "discard" on all edges. (Even though the graphic arts traditionalist in me says that "retain" is better practice.) In Question 1, Did we define the term "leading-edge", or should this be "before-edge"? At 20:31 2000-05-16 +0900, MURAKAMI Shinyu wrote: >Dear xsl-editor > >The XSL FO draft spec (WD-xsl-20000327) says the border-before-width, >border-after-width, padding-before and padding-after properties of >block-level formatting objects may have <length-conditional> compound >values. > >I have some question and requests about it. > ><quote> >7.6.9 "border-before-width" >... ><length-conditional> >A compound value specifying the width and any conditionality of the >border for the before-edge. > >The .length component is a <length>. The .conditionality component may >be set to "discard" or "retain" to control if the border should be 0 or >retained if it's associated edge is a leading-edge in a reference-area >for areas generated from this formatting object that have an is-first >value of "false". See [4.3 Spaces and Conditionality] for further >details. The initial value of the .conditionality component is "retain". ></quote> > > >Question 1. Why the initial value is "retain"? > >I think .conditionality="discard" is more convenient. > >.conditionality="discard" > +---------------+ > |The quick brown| > |fox jumps over | > > (page-or-column-break here) > > |the lazy dog. | > +---------------+ > > VS. > >.conditionality="retain" > +---------------+ > |The quick brown| > |fox jumps over | > +---------------+ > (page-or-column-break here) > +---------------+ > |the lazy dog. | > +---------------+ > > >Question 2. bug? ><quote> >4.3.1 Space-resolution Rules >... >The border or padding at the before-edge or after-edge of a block-area >may be specified as conditional. If so, then it is set to zero if its >associated edge is a leading or trailing edge in a reference-area. In >this case, the border or padding is taken to be zero for purposes of the >stacking constraint definitions. ></quote> > >In this description, missing the is-first and is-last trait conditions. > > >Question 3. Inline-level border/padding conditionality > >Why only block-level border/padding properties have <length-conditional> >values? I think border-start-width, border-end-width, padding-start >and padding-end also should take <length-conditional> values. > >.conditionality="discard" > +----- > The quick |brown > ---+ +----- > fox| jumps over > ---+ > the lazy dog. > > VS. > >.conditionality="retain" > +-----+ > The quick |brown| > +---+ +-----+ > |fox| jumps over > +---+ > the lazy dog. > >I think .conditionality="discard" is the initial value. > > >Thanks, >MURAKAMI Shinyu >email@example.com > > > ---Steve Deach firstname.lastname@example.com on Tuesday, 16 May 2000 12:41:18 UTC
This archive was generated by hypermail 2.3.1 : Tuesday, 6 January 2015 20:44:18 UTC


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Once an individual has completed a survey, an overall score is provided, which reflects that investor's capacity to take risk. An asset allocation of stocks and bonds with a risk exposure that properly matches the individual's risk capacity is also recommended.
Higher scores signify a higher capacity for risk, a longer time horizon and an ability to withstand market volatility. Investors with higher scores are generally recommended to hold portfolios with a larger allocation of global stocks. In contrast, lower scores signify a lower risk capacity and a higher need for liquidity. Investors with lower scores are steered toward more conservative portfolios that hold a higher proportion of short-term investments such as fixed income.


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6 Responses to Wordless Wednesday: Tea From a Friend
- Comedy Plus
January 19th, 2011 at 2:42 pm ModerateThe contents looks delicious, but that cup and saucer are beautiful. Great shot too.Have a terrific WW. :)
- Kathryn Grace
January 19th, 2011 at 4:26 pm ModerateLovely photo! Such a pretty teacup too – I love the shape as well as the design.
- Ruth Ann
January 19th, 2011 at 6:52 pm ModerateWow. This is lovely…the light, the steam, the colors. gorgeous!
- Sereina
January 19th, 2011 at 8:37 pm ModerateI love this, Erica! The lighting is lovely.
- Katie
January 20th, 2011 at 5:06 pm ModerateYum! I love the teacup. Collecting them is a hobby of mine. =)
- abeachcottage
January 21st, 2011 at 1:14 pm ModerateNice photo. I like the design of the tea cup – traditional.


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A statement released today by the Khan family:
We would like to express our utmost gratitude for all the support, help, and prayers we received during this past week. To our neighbors; to the hundreds of volunteers who dedicated their time towards the search efforts; to the online community who helped spread awareness of her story and prayed for her; and to all local and national media outlets for keeping her story alive; we extend our heartfelt appreciation. Last but not least, we are tremendously grateful to the Overland Park Police Department who put in hundreds of hours into finding Aisha safely.
The last few days have been very difficult for the Khan family, especially Aisha. We are deeply thankful that our prayers were answered and that she was found safe and unharmed. The family is dedicated to giving Aisha the unconditional love, support, time, and whatever other tools she needs to work through these trying times.
This is a difficult period for Aisha and the family, so we ask for compassion and privacy as we remain committed to healing. We will be making no further statements on this matter as we hope you recognize this very public matter has now become a private family matter. We thank you in advance for your cooperation.
The family will be donating the $10,000 reward offered during her search. $5,000 will be donated to the Overland Park Police Department or a related law enforcement charity, and the remaining half will be given to other charitable organizations.
via Help Find Aisha Khan.
Aisha Khan's family made a plea tot he public when she disappeared last Friday and the public responded. They invested time, energy, emotion into the search for Aisha. Now to be told it's a "private matter" is a bit insulting to the thousands of friends, volunteers, non-profit organizations, journalists, and other professionals who all took time out of their lives to help #FindAisha.
Clearly, Aisha and her family aren't legally obligated to share the details but that doesn't mean there isn't a moral obligation to help the rest of us — and maybe themselves — deal with how this situation was abruptly resolved.
The Khan family says it needs to heal, well, so do we.
If we don't heal together, what happens when the next Aisha Khan goes missing?


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Make Stunning Cross Stitch Wall Art
Why stick with store-bought home prints? Your space deserves a decorative touch that's totally you! Try cross stitching your own piece. In our beginner-friendly class we'll give you a rundown on the basics of this classic craft. In under two hours, you'll learn:
- how to prep your embroidery hoop for DIY magic
- how to create and transfer your design onto fabric
- the basics of selecting the perfect thread
- how to us cross stitch chart
- how to start and end your cross stitch project
No tools? No problem! We've got everything you need right here, including a colorful selection of threads and supplies from DMC.
BYOB! Crafting is made better with a good drink in hand.


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The temporary branch of the San Francisco Public Library at SFMOMA is now open for visits. Visit us at the Public Knowledge Branch Thursday – Tuesday at 151 Third Street. Check out our official SFPL page here for more information.
You can also browse our book selection here.
We had a fantastic opening party on September 28, 2017 where we celebrated the launch and invited guests to peruse the 1916 card catalog cabinet, peruse our special collection of books and enjoy vinyl from the Hit Parade project.
Come visit us soon!


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CONGRATULATIONS!! You have been selected as a winner in the ELLE.com Sue Wong Shawl Sweepstakes. You prize is a shawl from Sue Wong; ARV $133!!
Wahooooooo!! Havent had a win in a while now!!!
Wahooooooo!! Havent had a win in a while now!!!
Elle.com - Sue Wong Shawl Contest
daily per person | home page entry form | newsletter | post a note link
Prize (10): Ivory Sue Wong Shawl (ARV $133).
official rules archive | Open to residents of the 50 United States & D.C. 18+
expires Thursday, March 27, 2003 @ 11:59pm ET Started 2/26/03 - Submitted 2/26/03
Search Relevancy Score: 22.79


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Dubuque, IA
North of Island City Harbor about 45 minutes is Dubuque, IA. It's a very historic river town that offers night life, great dining experiences, and a host of local attractions. The National Mississippi River Museum & Aquarium offers a fantastic look at the entire river that's fun for the whole family!
Clinton, IA
A quick drive south, Clinton offers you many things to do with a river view. Within a 65-acre park-like setting, you can play in the aquatic center, attend a Class 1A baseball game, enjoy a game of tennis, listen to a live performance in the band shell, attend a professional theater production aboard a renovated paddle wheel boat and visit the historical museum.
Savanna, IL
Savanna, IL is located just across the river from Island City Harbor. Good food and great antique shops can be found there... or if you're more into relaxing, head over to the Mississippi Palisades State Park. The park offers breath taking views of the river and surrounding areas.
Café Crumbles - Sabula
Sandbar Grill- Sabula
Circa 1888 - Sabula
Manny's Pizza - Savanna
Backwater Grill - Dubuque
Galena, IL
About 35 miles away, the City of Galena is located in the northwestern corner of the Illinois. The community and surrounding county offers year-round natural beauty and activities for the perfect extended getaway or day trip. They are renowned for unparalleled opportunities to experience art, history, architecture, recreation, and rest and relaxation.


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Waihi Goldfest
Goldfest runs through October in and around Waihi featuring events and activities for all ages, from the young to the young at heart. ONE of the popular events taking place is the Trolley Derby and Skateboard Competition.
The Trolley Derby and Skateboard Comp are free, fun for boys, girls, men and women, and whether you've done it before or not doesn't matter. Give it a go, I bet you love it. Rules and guidelines are on the entry forms located on the Go Waihi website.
The Mosaic Garden
This is the House and Garden of N.Z. Mosaic Artist Jude Morrah. Located at 22 Connell Street East, Waihi, the garden is open to visit during the day. Adults $5 & children $4.
Martha Market
Time: Every 3rd Saturday of the month, from 8.30am – 1pm
Location: Waihi Memorial Hall and in Seddon and Haszard Streets
Waihi's Memorial Hall and Seddon and Haszard streets will have a great variety of stalls selling their wares. It's an ideal time to pick up something a little different, for you or perhaps early for a birthday coming up.
Stalls are free for children and non profit community groups too, so it's an ideal opportunity to fund raise. You can call Jenny to book a stall on 863 9066.
Waihi Beach
Waihi Beach is one of new Zealand's most beautiful surf beaches. For toddlers there is the very calm and safe Anzac Bay.
Location: 12 to 15 minutes drive from the motel.
Dirtboard Waihi
Once of the greatest sport activities, you can experience the thrill of gravity powered downhill boards on a purpose built mountainboard track. Learn to ride the four-wheeled boards, a cross between a skateboard and a snowboard.
Katikati Bird Gardens
A beautiful and extensive park and bird sanctuary near Katikati, the Katikati Bird Gardens feature a wide range of native and colourful birds. Set in delightful gardens of mature trees, lily ponds, wetlands and secret paths. A great gift shop with a bird and garden theme. Cafe serving Italian coffee and light lunches. Golf car tours and accommodation in a romantic cottage. Great gardens to visit, family day out and place to unwind. For Bird enthusiasts the Katikati Bird Gardens are an oasis. Set on the edge of the harbour with a purpose built man made fresh water lake and with natural saline wetlands visitors can get up close and experience a fantastic area of the bird sanctuary.
The wetlands area are home to a number of Kawaupaka (little shags) and ocassionally Kotuku-ngutupapa (Royal Spoonbill), white faced herons nest in the magnolias, paradise shelducks, black swans and Papango(black teal) grace the ponds.
In the more formal areas of the gardens visitors can see Kea ( NZ Mountain Parrot), Kereru (Wood Pigeon), Kakariki ( NZ Parakeet).


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A professional looking resume with all the right touches can be a key to getting that dream job. And now, you don't have to pay a resume design service to create one. With Adobe Spark's free resume builder, you can create a resume that's unique and eye-catching entirely on your own -- even if you've never designed anything before.
Adobe Spark is a suite of online design tools that makes it easy to create projects of all kinds for use both in print and on the web. Along with Spark Post for short projects and Video for videos and animations, Adobe Spark offers Page, a versatile and free resume maker that also allows you to include video, images and galleries. With Spark Page's gallery of templates, styles and images, you can make a resume for any kind of job, save it to your personal Projects gallery, and share it at any time.
With the other tools in Adobe Spark's design suite, you can customize your resume even more. Use Spark Post to add your project to blog posts and social sites, or choose from a variety of sizes and dimensions for printing. Use Spark Video to create resume-related videos that can stand alone or be embedded into your Spark page and other websites.
Need help? Adobe Spark is more than a set of online tools – it's a design community as well, with an inspiration gallery of completed projects, tutorials and design resources for all of the Spark tools. Browse them for ideas and suggestions to make your project look its best.
Whether you're looking for a job down the street or across the world, you need a resume that looks just right, both in print and online. With Spark Page's fast and easy free resume maker, you can create an attention-getting, professional resume in a variety of styles without spending a cent – or a lot of time.
Choose from a variety of free professionally designed fonts for every occasion.
Select from thousands of photos on the web or pick from your personal collections on Adobe Creative Cloud, Adobe Lightroom, Dropbox or Google Photos.
Explore our wide variety of best-in-class layouts, colors, and fonts. Easily tweak them with the text, photos, and icons that best fit your needs.


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Registered Charity 3104
Mailing address:
PO Box 322,
South Australia 5092
1300 128 339
Office Hours:
Monday - Friday,
10am - 4pm
ME/CFS South Australia Inc supports the needs of sufferers of Myalgic Encephalomyelitis, Chronic Fatigue Syndrome and related illnesses. We do this by providing services and information to members.
ME/CFS South Australia Inc aims to keep members informed of various research projects, diets, medications, therapies, news items, etc. All communication, both verbal and written, is merely to disseminate information and not to make recommendations or directives.
Unless otherwise stated, the views expressed on this Web site are not necessarily the official views of the Society or its Committee and are not simply an endorsement of products or services.
Invitation to SA couples to participate in ME/CFS research
Friday 22 April 2011
Adelaide counselling researcher Robyn Lingard from Tabor College is inviting couples to participate in South Australian research about living with ME/CFS. Robyn has had ME/CFS for the past 22 years and is interested in hearing the experiences of other sufferers/survivors:
Invitation to participate in research
The influence of ME/CFS upon couple relationships
Living with ME/CFS is a challenging experience that causes distress and grief for sufferers and their partners. ME/CFS is not welcome nor wanted, yet persists as part of their lives. Limited medical treatment means that sufferers and their partners are left with few options other than to search for ways to manage, endure, and survive.
However in the face of this suffering, some individuals and/or their partners experience aspects of personal and relationship growth.
This Masters Research Project asks participants to share their experiences of the positive and negative influences of ME/CFS upon their marriage or defacto partnership.
Would you be willing to confidentially share your experience so that together we can assist individuals and couples, just like you, who also live with this debilitating and baffling illness?
What will you be asked to do?
You and your partner will each be posted a short 10 minute questionnaire about what ME/CFS has meant for your relationship. You will then return the questionnaire in a stamped self-addressed envelope within 1 week of receiving the questionnaire.
A small number of couples will be contacted at a later date for a 60 – 90 minute interview. The interview will look at your answers to the questionnaire. The interview will be conducted at a location of your convenience, such as your home.
Who is eligible to participate in the study?
Are you available to participate or do you have further questions?
Please contact either:
The invitation can also be downloaded:
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CENTRE AQUAMOTION : All Inclusive 7 daysAddress: Route des eaux vives, Courchevel 73120
Address: Route des eaux vives, Courchevel 73120
Fun, wonderment, relaxation, but also learn, improve, excel... Aquamotion: a passion for sports beyond limits!
For 7 days, enjoy an unlimited access to all Aquamotion areas*.
Aquafun area:
> 1 lagoon (depth 1.3 m) indoor and outdoor, water temperature 32° degrees, perfect for playing and relaxing
> 1 jumping pool, for diving, dive-bombing challenges between friends, nothing is off limits
> 1 huge aquaracer slide 45 metres, 4 lines
> 1 wild river of 110 m to hurtle down the Aquamotion canyon
> 1 children's play area for kids and their parents, a Baby pool, a large paddling pool invites all your toddlers to discover the pleasures of water
Aquawellness area*:
> 1 indoor/outdoor lagoon
> 1 salted cave
> saunas
> 1 caldarium
> hammams
> 1 silencium
> 1 outdoor jacuzzi
*The access to Aquawellness area is not allowed under 18 years old.


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Campground Reviews is now Available through the RV LIFE App on iPhones, iPads, and Android Devices.
Click Here to learn more.
11 RV Parks near Forest Lakes, Arizona
Heber-Overgaard, Arizona 1.82 miles SW
Overgaard, Arizona 2.77 miles SW
Clay Springs, Arizona 14.88 miles SE
State Highway 260 Forest Lakes, Arizona 85931 (map) | Click To View Phone
Sites: 88 | Recent Rate: $$$$ | 5 Reviews
|Clean Restrooms:
|Clean Showers:
May 2015 - $13.00
We stayed in a site with electrical hookups. The sites are roomy, pretty level asphalt fingers off a paved loop. The park is beautiful, well maintained and a wonderful place to stay. The hosts are helpful and friendly and keep everything neat and tidy. Squirrels and Blue Jays visit and provide entertainment. The park is at about 8,000 feet in elevation on top of Arizona's Mogollon Rim and can be a bit chilly at night if you stay there early or late in the season. It is closed in the winter. A really cool, relaxing place to stay in the pines. We stayed in a fifth wheel. - AZCamperGal
Aug 2011 - $14.00
Great NAT. park campground. Hot showers and loads of space between sites. No disappointments here. Hard to get electric sites. - Never Again
Oct 2009 - $24.00
The Best of Old Fashioned Camping - with electric! The hospitality people were amazingly friendly and yet non-intrusive. The campground was neat and clean. The outhouses - well, they were outhouses, odor and all. There are very nice flush toilets at the shower building. I do advise to camp across the road or a space or 2 away from outhouses. There are only 4 pull-through spaces which are really roomy. There are also several long back in spaces. All electric spaces are in Loop A. Go to www.recreation.gov to reserve space during the high season. October was nice weather and walk-in only. We got there Friday morning and were able to choose a pull-through space. Loop A filled up pretty good by Saturday morning. Perhaps being just 2.5 hours from the east Valley is the reason - it's close and easy. We specifically asked about this item: Contrary to a previous review, there is only 1 tag per vehicle. It goes in the tow vehicle or toad if you choose to leave the park. It does not stay with your trailer or tent. But this is true for all the National or State parks that I've been in. Also, being a National Forest, the stay limit is 14 days. As much as I almost hate to share it, it was a weekend in heaven. Relaxing, peaceful (with the sounds of children laughing in the background), quiet, dark & starry. Take the time to walk the .7 mile to see the Sinkhole area. You may even get lucky enough to see some of the many elk in the area. For those looking for the RV park feel with entertainment and stores within walking distance, this isn't it. There's a small local store a mile up the road in Forest Lakes and a great restaurant across the street, but that's about it for really close businesses. However, if it is a "camping" session that you seek, complete with fires in the fire pits at night, this place is tops in my book! You can buy firewood at the gate for $6 a bag and ice for $2. There is a dump station by the entrance as well as potable water if you need to fill up or re-fill during your stay. What more could you need? Take a good book and a comfy chair and plug in the coach for a truly rewarding weekend (or week if you can). - tbone4
FS Rd 300 Forest Lakes, Arizona 85541 (map) | Click To View Phone
Sites: 133 | Recent Rate: $$$$ | 5 Reviews
|Clean Restrooms:
|Clean Showers:
Feb 2017 - $10.00
Campground is located in the National Forest near Wood Canyon Lake (walking Distance). The entrance and campground roads are paved. The campsite pads are paved with large areas of open space and trees around many sites. No utilities at your site so fill your water at one of the many locations throughout the park. Solar panels are not reliable here, at least some sites, due to the trees. Generators are allowed during the day and early evening. - RetiredVagabond
Oct 2015 - $20.00
Nice wooded campground, tall trees. All interior roads and site parking are paved. All sites are back-in, widely spaced. Each site has a picnic table and fire ring. No showers, just pit toilets. Water spigots scattered around. Verizon cell signal was weak but usable. There is a dump station. It is a short walk to the lake, a lots of trails nearby. At the lake there is a nice store with basics and you can rent boats/kayaks. Lots of 6-7% grades driving from Phoenix. - trussman
Jun 2015 - $20.00
This was our first time staying here and we were very pleased with this campground. Most of the sites have numerous tall pines for decent shade. In April, before the campground was open, we scouted out sites we liked before making a reservation. About 1/3 of the sites are first come / first serve. If you're into hiking, the 5 mile loop around Woods Canyon Lake is only about a 5-10 minute walk from the campground. The Rim Trail is about 1 mile away via a trail that runs from the lake to the rim. Basics necessities are available at the store by the lake. On our hike around the lake, we saw several elk along with a pair of nesting bald eagles and their two 6 week old youngsters. Very cool experience for our 9 year old daughter to see. - MarkH
3065 AZ-277 Heber, Arizona 85933 (map) | Click To View Phone
Sites: 59 | Recent Rate: $$$$ | 23 Reviews
|Clean Restrooms:
|Clean Showers:
Oct 2018 - $45.00
Only spent one night here. The office staff was very pleasant and provided me a site that allowed me not to unhook my tow. The park is very well maintained. I would stay here again if I had an opportunity in the future. I was escorted to the site and the gentlemen was very careful in placement of the RV. Site - level with help of jacks Dog Park - fenced and pet owners picked up after their pets. Met several neighbors which were all friendly with playful dogs. WiFi - good signal T-mobile - 2 of 4 bars. Electric - no issues Water - no issues Sewer - not used Satellite - no issues. - Peter G
Oct 2018 - $44.00
Very nice campground. Sites were stone and easy to level, the hook-ups were easy to use. We were told when we arrived that there was no TV. We used our Verizon to get online. We had a picnic table and a cement patio but no fire pit. Ou neighbors brought their own. There are noise limits for ATV's etc and that is nice. We would stay here again. - swike
May 2018 - $31.00
Rate indicated is the weekly rate. Nice park. Good gravel pads and ours was level. Easy to maneuver but keep your eye on the tree branches. Satellite hooked up no problem. Good Verizon signal. Wifi was fine. Hosts are superb. Ice Cream on Saturday!! - SHIPM8
2256 Arizona 260 Overgaard, Arizona 85928 (map) | Click To View Phone
Sites: 68 | Recent Rate: $$$$ | 12 Reviews
|Clean Restrooms:
|Clean Showers:
Apr 2016 - $42.00
New owners. Do not accept Passport America. Didn't know that until after we were set up and the spouse went to pay. Interior roads are asphalt and sites very small gravel that sticks to shoes and is carried inside the RV. Wi-Fi is free and worked. Nothing on the TV antenna. All back-in sites. Did like that no wood burning fire pits were allowed. We were in site #5. Near the highway so was some road noise. The water and sewer connections were on the wrong side. Had to run them under the trailer. Sewer was up hill and the connection was in at an angle. Somewhat easy in and out with our 60' combo. - Tallboy
Jun 2015 - $15.00
We spent a month here. Many people spend the whole season here. The sites are very large. Our site (#4) was near the road, but the traffic noise did not bother us. The rate listed is for the site only. We had to pay a deposit of $75 for electric. At the end of our stay we got part of that back.
The staff is very friendly and helpful. There are many activities offered.
There are small grocery stores in the area, but we ended up driving to Show Low often (approx. 40 minutes). - sunnyaz
Oct 2014 - $20.00
Rate is Passport America. Wi-Fi is available by extra fee, $15.00 a week for one computer. This is a nice park but some sites would be hard to get into due to the trees. Satellite may also be difficult. This is mainly a monthly park with long term seasonals. There is a dollar store right across the street. 30 miles from main shopping area. Beautiful park and would stay again. - goofy50
Overgaard, Heber-Overgaard, AZ 85928, USA Overgaard, Arizona 85928 (map) | Click To View Phone
Sites: 50 | Recent Rate: $$$$ | 3 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2017 - $32.00
This is an old park with mostly permanent park models and old rvs. The pull through site only works if you do not want to connect to water and sewer and can get by with 30 amp service. There are only two rest room/showers but each is a full bathroom. The facilities are about 40 years old and need upgrading. We will look elsewhere. If we need to stay in the area again. - Windshift
Apr 2017 - $35.00
The staff here is outstanding at this RV park is outstanding and the park is absolutely beautiful. We will definitely be back. Very pet friendly. Awesome clubhouse. Clean restrooms. Laundry facility was nice and clean. The entire experience from reservation to departure was stellar! Highly recommended! - rvgirl1969
Aug 2014 - $35.00
Overgaard RV has a nice big clubhouse, restrooms with showers, laundry room and friendly people. We will go back next summer! - Lynn Tricozzi
2162 Camperland Rd. Overgaard, Arizona 85933 (map) | Click To View Phone
Sites: 30 | Recent Rate: $$$$ | 9 Reviews
|Clean Restrooms:
|Clean Showers:
Jul 2017 - $24.00
This is a very small park that could stand some tlc. The building were definitely in need of some paint. The sites are all back-in but long enough for our 28' travel trailer and tow vehicle plus. Although the telephone pole in front of the space made it a little challenging getting into. The site was fairly level front to back, but we did have some difficulty getting level side to side and had to use blocks under the wheels. We did have a picnic table in our spot, but it was very weathered and the bench on one side was completely broken. We didn't use the bathrooms or showers or go into the office other than check in. We were able to get cell service on Sprint and some data occasionally on AT&T. There is absolutely no TV service so you have to have satellite to get any reception at all. If you have dogs, you do want to stay on the roads when walking them as there are a lot of little stickers in the "grass" areas. The people there were all very friendly and we would definitely stay there again. - O_CBarber
May 2017 - $1.00
First the highlights: In my 13 years of full time travel this may well be the quietest park I've ever been in. Excellent views. That being said it was also very poorly maintained. Restrooms sinks badly chipped and room in need of paint. Office area hung with blue tarps from water damage. Handrails old and rotting away. Wooden site posts and tables rotting and/or badly in need of paint. If your not self-contained a poor choice. Sites are level but are gravel and dirt that becomes very muddy with minimal rain. Internet sometimes available in office area from 9AM to 1PM. Only time I tried to use it staff hadn't arrived by 9:30AM. - Shikepoke
Sep 2016 - $15.00
Muddy, grassy, very old facilities, strange rules i.e. WiFi in clubhouse but only from 9am to 1pm & for 1 hour only. Camp managers are nice just don't have a facility that is good. Would not recommend to families, large groups, younger people. Stayed here looking for real estate in the area. Would never stay again. I - Pastor Jay
Forest Service Road 300 Heber, Arizona 85928 (map) | Click To View Phone
Sites: 5 | 0 Reviews
5064 Sawmill Rd Clay Springs, Arizona 85923 (map) | Click To View Phone
Sites: 32 | Recent Rate: $$$$ | 16 Reviews
|Clean Restrooms:
|Clean Showers:
Jun 2017 - $35.00
This is the 4th year I've stayed here. It is well wooded for shade at almost every site. Full hookups, back in and drive thru available, great owners who also manage the place. Very helpful for local activities. BYO drink happy hour every afternoon, really about an hour. Very pet friendly, walking distance to Sitgreaves Nat. Forest, 20 minutes to ShowLow for shopping. No pool and communications can be "iffy" but a wonderful spot for overnite or a couple of weeks. - Sourdough Kate
Oct 2016 - $15.00
A great park. If your looking for a place that is rustic this is the place for you. But if you're looking for a pool, hot tub, or a rec room, then not. Sites have shade and a lot of people that have been coming back for years. Owners will do anything to make your stay enjoyable. If you want to view the stars at night and hear the elk in the fall then this is the park for you. - full -timer-007
Oct 2016 - $15.00
Rate is monthly divided by 30 days.
This is the 2nd year at park last year we were here for 2 months this year 1 month. Park is rustic with BLM land near by for ATV. Site was level 50 amp FHU. Owners are great people and the regulars they get in here every year have became friends. Park feels like home. - User3655
28700 State Hwy 260 Heber, Arizona 85928 (map) | Click To View Phone
Sites: 96 | Recent Rate: $$$$ | 9 Reviews
|Clean Restrooms:
|Clean Showers:
Aug 2016 - $22.00
We've stayed here twice in the past few years. Peaceful and beautiful with lots of room between spaces. Nice trails, close to other parks and attractions. No electrical outlets in rest rooms. Good change-of-pace campground. - rwicoff
May 2016 - $18.00
Great campground which is well taken care of by the hosts in the park. Staff is very friendly and helpful. Sites are large and well spaced. We will definitely come back here again and stay longer next time. (We only stayed 2 nights this visit.) - Bobbi1948
Jul 2015 - $18.00
Great get place to get away from the heat of Phoenix and Tucson. Lots of room between sites. Easy in/out with 40' Motorhome. It's a NF campground which is run buy Thousand Trails. Very unlike the normal TT camp grounds. They do honor the senior pass. I don't know if they did this because they were very busy, or it is a normal procedure. But they assigned the first come sites on our visit. Those who have large 5th wheels and motorhomes know the benefit of this. Will stay here again. - Alfa 40
Willow Springs Lake Rd off of Hwy 260 Payson, Arizona 85541 (map) | Click To View Phone
Sites: 26 | Recent Rate: $$$$ | 2 Reviews
|Clean Restrooms:
|Clean Showers:
Oct 2015 - $8.00
We only visited for an overnight, but were pleased to discover a clean, well maintained campground with wide, long, and level paved sites. Although shaded, our site was satellite-friendly. There are no services. The pit toilet was remarkably clean. A fishing lake is nearby as well as hiking trails. It was a treat to camp at 7500' when valley temps approach 100. - CO2RV
May 2012 - $7.00
A great, quiet spot to spend a few days. Willow Springs Lake is nearby for fishing and boating. Some trails nearby for hiking or biking. Pit toilets are new and very clean. I was the only camper in the loop, so it was very nice. Friendly hosts. Managed now on contract with Thousand Trails Inc. - Red Wolf Deux


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Monday, January 29, 2018
My Other Creations: Rubber Cement Resist with Watercolors
I started with a piece of Strathmore Mixed Media paper which I drizzled Rubber Cement on in a random pattern.
I let that dry (though it remained tacky even after a whole day of drying) and watercolored in between each of the sections-- kind of like stained glass.
Using just your finger or an eraser, you can rub the Rubber Cement off once the watercolor dries. The picture will remain white wherever the Rubber Cement was. Once I rubbed off the Rubber Cement, I added some drips of watercolor and also added some Brusho crystals which I spritzed with water. I threw on some ink smudges and this is the end result:
With my background done, I cut out the girl image (from Jane Davenport's collage images) and adhered her to a square of text paper. I made a crown for her and colored her in with inks and Sharpies and stamped some splatters here and there. I added the sentiment to the bottom of her (which I LOVE- from Impression Obsession) and then I sewed the collage to a notebook cover. I painted around the edges with black and blue paint and distressed it a bit further with some brown Distress Ink.
Here are the supplies I used, which you can find at Simon Says Stamp:
What are you going to do to "resist it" this week? Be sure to upload your creations to the Simon Says Stamp Monday Challenge Blog for your chance to win a $50 voucher to the Simon Says Stamp store.
13 comments:
Well, this is a totally new technique for me. And it's really cool. I love your random pattern as much as I like the crazy colors in between. This is a stunning backgroung to the girl and I love the deep black edges, too. Hugs, Macarena.ReplyDelete
This is awesome, Andrea! The resist effect along with your amazing colors creates the perfect background. Love the stamp and the sentiment and those black edges make everything pop magnificently!ReplyDelete
Cathie ♥
Gorgeous notebook Andrea! the background is fabulous and I love how you used rubber cement for the resist! I am going to have to get some! The image is awesome and I love the sentiment too, altogether brilliant! :-)ReplyDelete
Lols x x x
So cool - looks like great stuff to play with, and I love your rainbow colours and fabulous words too.ReplyDelete
Alison x
That is so clever to do a funky design with rubber cement and color between it!! Turned out SO cool!!ReplyDelete
Simon Says Stamp!
Such a cool project you've created Andrea! Love this technique, it's a fantastic idea! As always design and colors of your piececs is stunning! barbaraReplyDelete
WOW, wow, wow! Love your technique, the stained glass background is very impressive and colorful, and looks awesome behind your blue haired girl! I can see why that sentiment is one of your faves - it's going on my wishlist. Distressing added a touch of edginess, and what a great notebook to have! I am picturing you having notebooks you've made for everything, LOL! Happy birthday dear crafty sister! hugs, MauraReplyDelete
I must say, this is a first. I've never seen photos of a step-out using rubber cement as a resist. I thought about using Elmer's but then I wouldn't be able to remove it later. Your post reminded me of that shortcoming. You've made a very abstract background (I think I see a face in the swirls and lines) and I like how you polished it off.ReplyDelete
Love, love, LOVE what you've done here, Andrea and I adore the rubber cement resist technique...so clever and something that I need to try because that background is amazing! Beautiful work, as always! :)ReplyDelete
you had me intriqued by this new technique and oh wow you rocked that background my friend hugs kath xxxReplyDelete
I just don't even know what to say about this. I love it so much. That girl image is so great. And her crown. And that colorful background. But that sentiment is the best. I've loved that saying for so long. Great project!!ReplyDelete
Love your brilliant technique on this beautiful project, Andrea. The colors and texture you created are awesome! :)ReplyDelete
Gotta try my rubber cement sometimes soon! Love the effect you achieved! As always you colorful project is a ray of suhnsine in my days!!!ReplyDelete
hugs x Zoey


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Located on the University of Toronto campus in downtown Toronto, New College Residence consists of three dormitory residence halls all right beside each other and offering over 900 guest bedrooms (during the summer months of May to August) and over 30 meeting rooms, including a retractable seating auditorium holding up to 250 people. There are also many more meeting rooms within walking distance of New College on campus to help with your conference and meeting needs. Besides our main dining hall for meals and our in-house catering, we also have many food outlets on campus. New College is within walking distance to many downtown attractions and close to public transportation. A unique venue in the heart of Toronto. Come experience staying at Canada's largest university!
Contact Info
Toronto, ON


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Your complete guide to healthy eating, this monthly magazine is packed with trustworthy nutrition advice, and practical ideas to keep you happy and healthy. The delicious, affordable recipes make eating well everyday easy and enjoyable. The perfect gift of health for yourself or someone you care about.
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Wanted Doctors for Clinic in KarurHealthcare Karur (Gandhi Gramam) August 22, 2018 Check with seller
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View streaming video of Michael Gizzi's Collected Poems, a Celebration
Highlight video clips:
- Clark Coolidge
- Micah Ballard
- Dodie Bellamy
- Alan Bernheimer
- Katy Bohinc
- Brandon Brown
- Norma Cole
- Susan Coolidge
- Steve Dickison
- Patrick Dunagan
- Derek Fenner
- Tonya M. Foster
- Gloria Frym
- Andrew Joron
- Kevin Killian
- Laura Moriarty
- Jason Morris
- Julian Poirier
- Kit Robinson
- Kit Schluter
- Aaron Simon
- Alli Warren
- Stephanie Young
Michael Gizzi
Michael Gizzi (1949 – 2010) received his Bachelor's and Master's degrees in literature from Brown University, worked as an arborist and taught high school in the Berkshires. He later taught at Roger Williams University and Brown. The author of 20 books of poetry, he organized scores of poetry readings, edited Hard Press, and founded QUA Books with Craig Watson. He died in Providence, Rhode Island, in September 2010.
"Michael Gizzi's poetry lambastes as it celebrates, bringing us finally to a place of poignant irresolution." — John Ashbery
"Impossibly rich, these jam-packed audibles are spring-loaded to jack-knife off the page." — Kit Robinson


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The Johnny Lewis Quartet and a shadowy group in Seattle,
they recorded this one live album in the restaurant "Trojan Horse" in 1972
when Johnny plays with his friends for 5 years as House Band.
Recorded live in 1972, Shuckin' n' Jivin' is a previously lost soul jazz gem. Funky as all hell, the Johnny Lewis Quartet mix the laid-back style of late 60's Blue Note jazz with the funkier rare groove sound of the early 70's. This special edition re-release from the Luv n' Haight Archives Series includes all of the original Shuckin' n' Jivin' album, plus two extra tunes: a killer, ultra-funky version of the Meters' "Cissy Strut" (with a fat drum break you've never heard) and Buddy Miles' "Them Changes."
Featuring Seattle legend Johnny Lewis on sax, James (Moody) Thompson on organ, Joe Villa on guitar and Kenneth Drake on drums, Shuckin' n' Jivin' is filled to the brim with dirty organ and clavinet solos, choppy rhythm guitar, massive percussion breakdowns and the hottest horn solos this side of Maceo Parker.
The live tunes for Shuckin and Jivin' were recorded in 1972 at the Trojan Horse restaurant in Seattle where Johnny and the boys played as the house band for five years.
Arranged By, Tenor Saxophone, Baritone Saxophone, Trumpet, Mellophone,
Congas – Johnny Lewis (2)
Clavinet – James Moody (4) (tracks: A3, B3)
Drums – Jack Toker (tracks: A3, B3), Kenneth Drake (tracks: A1, A2, B1, B2)
Guitar – Joe Villa (2) (tracks: A1, A2, B1, B2)
Organ [Hammond B3] – James Moody (4)
Vocals – Johnny Lewis (2) (tracks: A3, B3)
Produced by Jaro Productions
Re-mixed at Audio Records
Shuckin' n' Jivin' originally released in 1972 on Jaro Records (JA-3973)
"Cissy Strut" and "Them Changes" originally released
on the 1975 limited edition cassette Johnny Lewis - Live Dance Set (Jaro)
Remastered by Fantasy Studios, Berkeley, CA
tracks listing:
A1 Shuckin' N' Jivin'
Written-By – J. Lewis*
A2 Blue Funk
Written-By – R. Charles*
A3 Cissy Strut
Written-By – Art Neville, George Porter,
Jr., Joseph Modeliste, Leo Nocentelli
B1 Chitlins Con Carne
Written-By – K. Burrell*
B2 Willow Weep For Me
Written-By – Ann Ronell
B3 Them Changes
Written-By – G. Miles
This file is intended only for preview!
We ask you to delete the file from your hard drive after reading.


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Kent, Cliftonville, The Winter Gardens c.1926 - image
is courtesy of Talip Kiziltepe
Kent, Cliftonville, Multiview
Kent, Cliftonville, Promenade and Bungalow late 1920's
Kent, Cliftonville, Bathing in the early 1910's - near Margate
Kent, Cliftonville, Ethelbert Terrace in the 1960's
Photos of Cliftonville in Kent in England, United Kingdom of
Great Britain.
Kent, Cliftonville, Arthur Road.
Cliftonville is actually a coastal area of Margate in the county of Kent.
Cliftonville Page 2>>Kent
There is a totally new addition to this website with thousands of contemporary
and old photos of Churches - church photos
England>>>>>> >Ireland> >>>>>>Scotland
Wales>>>>> Isle of Man>>>>>>Channel Islands
>Film and Movie Stars >>>> Home>>>>>> >About
>Privacy Policy>>>>>
Copyright Statement
Kent, Cliftonville, The Oval
Kent, Cliftonville Promenade
Kent, Cliftonville, Ethelbert Terrace and the Promenade
Kent, Cliftonville, Ethelbert Road in the 1950's - Baby Austin motor
car and Balmoral Guest House


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The protests in Egypt reached a new level of violence yesterday, as 525 demonstrators were killed by government forces. The usually articulate Joe Scarborough erred this morning by calling the situation "complete anarchy", using "anarchy" when he meant "chaos".
Anarchy is "the absence of government". A state of anarchy can be chaotic as well, but it doesn't have to be. Chaos is defined as "complete disorder and confusion".
The irony of the reporter's misuse of the term is that the demonstrations have been basically peaceful up to now. It is only the *presence* of governmental forces which has led to the current bloodshed. In the absence of government, i.e., in a state of true anarchy, the situation would be much less chaotic.
This week at the court
7 hours ago


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Searching for your bridal gown can be either enjoyable and simple, or terribly difficult. Thanks to reality TV, we all know that there are many factors which affect how your shopping experience will be, and today we're excited to introduce you to one boutique that has become a destination for all East coast brides: Garnish Boutique.
Located in Baltimore, Garnish is widely recognized for its elegant, intimate atmosphere and dedicated shopping experience. Since their recent renovation and expansion, the boutique is a must-do for every bride on the East coast. With a long list of exclusive sought-after designer labels, and Garnish's intimate and inviting approach to the bridal shopping experience, brides (and their moms and best gals!) will find that the dress search doesn't need to be stressful, difficult, or painstaking.
So what is it that sets Garnish apart from every other bridal salon? First, their stunning interior makes you feel like a million bucks. What bride wants to feel like she's trying on the most important dress of her life in a dimly-lit closet? Thanks to a luxe, inspiring interior with plenty of natural light, brides can really see the true color and lustre of bridal fabrics. Next, the curated selection of designers exclusive to Garnish is amazing (we're talking about some of our favorite designers: Amsale, Amy Kuschel, Catherine Deane, Christos, Hayley Paige, Leanne Marshall, Liancarlo, Nicole Miller, and Romona Keveza, as well as bridal accessory designer Twigs & Honey), and each gown is hand-selected to ensure that every stylish bride can find what she's looking for, whether her wedding is indoor or outdoor, boho or classic. And last, but certainly not least, we introduce you to the Garnish Girls: highly-skilled and educated consultants who are eager to get to know a bride's likes and dislikes and how she wants her wedding day to be, to best help every girl who walks through their doors.
Garnish Boutique believes that searching for your wedding dress is a process, and should be one that is both memorable and fun as well as educational. Now, go make your appointment!
Comments (4)
I purchased my gown at Garnish and would recommend this boutique to anyone. The shop not only has a ton of beautiful dresses, but Mia is a great owner to work with.
Love the chic and classic feel of these gowns.
They would go well with our guyers-collection.
Wow, that gown on the mannequin is stunning–what I've always envisioned for myself. Who is the designer?
Kerry – I agree, the dressing the gown is gorgeous. I would not be surprised if it was a Romona Keveza gown. I have one that is similar, RK 831 – the same bodice and neckline without the shoulder embellishment, and a different belt. I'm actually getting ready to list it for sale. It's never been worn, new with tags.
Featured The Best Kind of Love Story
Destination Wedding Ideas Simple European Wedding Ideas in a White and Green Palette
Searching for a beautiful way to use a simple white and green palette at your wedding? These European inspired ideas will help!


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Under the Sun Rental offers various classes in heavy machinery. We can do Hard Surface Forklift Training as well as Telehandler Training. Aeriel & Scissor Lift Training is also available. Employees can receive their license with hands on training!
Contact Chad at Under the Sun Rental to schedule a class at 605-352-4922.


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Regional Identity and the Development of a Siberian Literary Canon
Gunderson, Alexis Kathryn, 1986-
MetadataShow full item record
Gunderson, Alexis Kathryn, 1986-
Siberia is a space that is more ideologic than it is geographic; it lacks defined physical boundaries and has no precise date of founding. Throughout its contemporary history as a Russian territory, the Siberia of public imagination has been dictated primarily by the views and agendas of external actors, and its culture and literature - despite having multi-ethnic, multi-linguistic, and multi-religious roots - have been subsumed by the greater Russian tradition to which they are uneasily tied. Using an historical framework, this thesis establishes that there is, in fact, a canon of Siberian literature that stands apart from the Russian canon and that incorporates not only Russian texts but also other European and local indigenous ones. Furthermore, I contend that this canon has both been shaped by and continues to shape a pan-Siberian identity that unifies the border-less, ideologic space in a way that physical boundaries cannot.


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Visit Linden Lab's Winter Wonderland open to the general public here:http://maps.secondlife.com/secondlife/Winter%20Wonderland%205/128/128/22
See Xiola Linden's official Linden Lab blog about Winter Wonderland, the Linden Lab community snowball fight, premium half off special and premium Portal Park here: https://community.secondlife.com/t5/Featured-News/Joy-to-the-Grid-Exclusive-Gifts-the-Magic-of-Winter-Wonderland/ba-p/3088250
I started out in the brand new LL Portal Park which was a very cool entryway into the LL premium member special areas around the grid (see pics below) then entered the annual Winter Wonderland area that is now open to the general public. (The direct link above is to the Winter Wonderland area open to all residents)
This year's Winter Wonderland has many of the same features as last year but with added features, and includes the huge play area with tracks for skiing, snowboarding, (free loaner boards, snowmobiles, skates and supplies available for use on site) skating, a ferris wheel, etc. The Snowball Arena and snow track area is bisected by the quaint City of Lights that houses a gift for visitors and is a perfect segue between the two areas. Paths lead to the snowball arena that is home to the giant ice castle and frozen magical light changing tundra where visitors can explore, enjoy fireworks at the top of each hour, free snowball shooters, and a monster that rises from the depths of the ice pond at seemingly random time frames for only just a moment before diving back to it's icy home.
When visiting the snowball arena chose your free weapon to lug around while exploring as you can nail your friends, strangers or enemies around any corner possibly briefly shooting them sky high if your aim is true. Watch out for avalanches, fellow players, and some ground areas that seem to want to bounce a person around for no apparent reason. This is truly and beautiful and magical area.
The big event comes this Monday, 12-19-16 at 10am SLT. The Lindens are hosting a snowball crawl this year for residents to join them. (Alas, I will be at work as usual during this time frame so enjoy this without me) You can read about the details here: https://community.secondlife.com/t5/Featured-News/Jolly-Holiday-Crawl-amp-Snowball-Showdown-at-10-am-SLT-Monday/ba-p/3087782 The tour will visit some of SL's finest winter sims culminating at the WW snowball arena for the annual LL community snowball fight between noon and 2pm SLT. So if you ever wanted to hobnob with some Lindens, here is your chance. There are also gifts and freebies around (including a Blueberry special ladies) and even more gifts for premium members so be sure to check out her blog posts for more info.
(Portal Park below)


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At North Boulder Liquor, we know that the art of the perfect cocktail starts with the finest liquor and spirits. We're proud to offer you the best everyday low prices on a superior selection of top-shelf single malt scotch, single barrel bourbon and whisky, tequila, rum, vodka and more.
We're lucky to live in a state that now boasts more than 10 microdistilleries that produce premium vodka, whisky, gin, scotch, bourbon and more. North Boulder Liquor proudly stocks a variety of these fine Colorado-produced spirits.


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'A Once in a Lifetime Thing.' People Dazzled By a Surprise Meteor That Soared Across New England
A meteor sailed across the Northeast skies Tuesday, dazzling dozens of spectators in more than a half-dozen states, experts said. The American Meteor Society, a nonprofit scientific group made up of astronomers, confirmed a meteor was spotted over parts of Maine, New Hampshire, Vermont, New York ...
Possible meteor spotted streaking across New England sky Video
ABC News
People across Massachusetts and Maine saw a mysterious fireball flying across the sky.
Meteor Baffles Stargazers With Spectacular Light Show as it Fell To Earth, Burning Up Across ...
A mysterious fiery blaze that cut across the night's sky from Massachusetts to Maine baffled stargazers last night but was likely a tiny meteor. The Boston Herald reported the meteor, which travelled at between 10 and 30 miles a second as it entered the earth's atmosphere, created the greenish glow in ...
WATCH: Timelapse Video of Possible Meteor
NBC Boston
What appeared to be a meteor or fireball streaked across the New England sky Tuesday evening.
Possible meteor lights up night sky in New England
CBS News
A possible meteor was spotted streaking through the sky over northern New England Tuesday night, CBS Boston reports. The flash of light was captured on video from a webcam at The Mount Agamenticus Conservation Region in York, Maine. It happened at 5:52 p.m.. Residents from several ...
Mysterious fireball lights up the sky over Maine
STANDISH, Maine (WGME) -- It's not New Year's yet, but the sky is already lighting up as people across New England described seeing a fireball in the sky.Cameras in Maine captured the flash earlier Tuesday night.One man who saw it said he was driving home.
Fireball lights up social media, evening sky in New England
Charlotte Observer
Never miss a local story. Sign up today for a free 30 day free trial of unlimited digital access. SUBSCRIBE NOW. One social media user tweeted that her parents in Wakefield, New Hampshire, thought it was fireworks. Observers are being encouraged to report what they saw to the American Meteor ...
What's that in the sky? Fireball lights up social media, evening sky in New England
A fireball that lit up the evening sky is lighting up social media. The bright streak Tuesday evening was seen in parts of New England, including ... The National Weather Service in Gray tweeted, "Did you see a fireball or meteor just now?" One social media user tweeted that her parents in Wakefield, New ...
Fireball report
Report a Fireball
Observer. Name, beth D. Experience Level, 2/5. Remarks, I am sorry I did not add my direction... if you feel it is important, I can figure it out. I was visiting an event in a different town, so I did not have my directional bearings. Lots of people had cameras there, so I hope someone was able to record this, ...
Fireball report
Report a Fireball
Experience Level, 2/5. Remarks, While driving on 495 North I briefly saw the fire ball come in to view a bit ahead of me to the right, it continued a downward and to the right descent first appearing to be green and than fading into a bright white flare till it appeared to burn out just above the tree line.
AMS event #5429-2017
This video has been uploaded on the American Meteor Society Website. AMS Event: 5429-2017, Report 132028 (5429a-2017) Credit:L. GUNDRUM.
2017 The FOURTH Year of "CERTAIN Uncertainty" ™ / Meteors, Asteroids, Comets, and MORE!!


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Look for whydomyfeethurt this spring and summer! Here are some of our upcoming events:
-The Women's Affair: Carlson Center, April 5-7, 2013
- The Outdoor Show: Carlson Center, April 19-21, 2013
- Midnight Sun Festival: June 23, 2013
- Might Night Sun Run: June 22, 2013
- Golden Days: June 2013
- Tanana Valley Fair: August 2-11, 2013
Where's Dave?
Foot Fit Specialist, Dave, sets the ground rules for incorporating the BOB System (Balancing of Body)
What A Croc!
We have come into our own. We have become everything that we promise to never be. Now you stand there in your Crocs (Don't even get me started on Sketchers "Shape Ups"). Do you really believe Croc shoes are anything but good for you? It says it all in the name!
-No structure: Gait cycle damage
-No stability: Pronation negative force
-No protection: Balance of the body is compromised
We are just like our parents of the 60s. The down fall of man's back and knees was called Birkenstock. We swore that we would never be like them, yet there you stand in your Crocs. To be a qualified Crocer, only requires lack of knowledge, laziness, social fashion misfit wannabe, and wanting to be assured premature structural damage to the body (knees and feet).
One Year Later-
whydomyfeethurt.info at the
2011 Midnight Sun Festival
At the
2010 Midnight Sun Festival,
Fairbanks, Alaska
June 20, 2010 | Noon-Midnight
On a rainy, Father's Day morning, foot fit specialist, David Verdugo and owner, Elizabeth Darrah, set up for whydomyfeethurt.info's first Summer Solstice event in downtown Fairbanks.
5 Reasons to Wear
Vibram FiveFingers:
1. Strengthens Muscles in the Feet and Lower Legs—Wearing Vibram FiveFingers will stimulate and strengthen muscles in the feet and lower legs, improving general foot health and reducing the risk of injury.
2. Improves Range of Motion in Ankles, Feet and Toes—No longer 'cast' in a shoe, the foot and toes move more naturally.
3. Stimulates Neural Function Important to Balance and Agility—When wearing Vibram FiveFingers, thousands of neurological receptors in the feet send valuable information to the brain, improving balance and agility.
4. Eliminate Heel Lift to Align the Spine and Improve Posture—By lowering the heel, your bodyweight becomes evenly distributed across the footbed, promoting proper posture and spinal alignment.
5. Allow the Foot and Body to Move Naturally—Which just FEELS GOOD.
*For those interested in running in Vibram FiveFingers, please go to our Running page for further information.*


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Arsenal are the team to beat in the Champions League, says Bayern star Thomas Muller
THOMAS MULLER believes Bayern Munich will come up against the 'most difficult opponent' when they face Arsenal in the Champions League.
The clubs meet for the second successive campaign, with Bayern having triumphed over Arsenal only on away goals on route to last season's final where they defeated fellow Bundesliga side Borussia Dortmund 2-1 at Wembley.
Ahead of the first-leg at the Emirates Stadium on February 19, Muller feels Bayern have been given the toughest draw despite avoiding potential trips to face AC Milan, Galatasaray and Zenit Saint Petersburg.
"The Gunners play a very beautiful football, they are the most difficult opponent we could have got," he said.
"We are on eye-level with this top team from the Premier League"Thomas Muller
"We are on eye-level with this top team from the Premier League."
"We have had more success on national and international level than Arsenal in the last few years, that's why we are slight favourites.
"We are holders and we have improved."
The Gunners will be looking to reach the quarter-finals of the Champions League for the first time since 2010.


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Anna Jordan
Corporate Care +44 (0)1273 645 922 Email
Insurance solutions for franchises & corporate care providers
Today's increasingly complex and diverse risk environment makes it challenging for care businesses to get comprehensive insurance cover to protect against losses and help promote future growth.
Care providers in particular face significant risks, such as increasing volumes of employer's liability claims and allegations of client abuse or neglect. With the benefit of many years experience of insuring the care sector, we understand the regulatory environment, the unique challenges you face and can help you to prepare for both the expected and the unexpected.
We have expertise in providing bespoke solutions for large corporations and charities in the care sector. We help clients with a holistic approach to managing risk, claims and insurance placement to mitigate the impact of attritional losses and help prepare for major losses. Our claims team includes managers with a legal background to help compile your defense, challenge insurer's reserving strategy and to help you compile a robust defense at the time of loss.
Our risk and claims management teams work together proactively to promote sensible risk management and loss mitigation. They also work reactively to respond to trends in claims, identify training needs and support your in-house risk management team.
Regulation is a significant factor in the management of any care business. Your insurance programme can include advice on regulation, employment and any other business related legal issue, provided by fully qualified solicitors and barristers with expertise in the care sector. The level of support and insurance backing can be tailored to fit with the needs of your in house HR and compliance teams.
We provide insurance solutions for:
- Care Homes
- Domiciliary Care / Home Care Providers
- Extra Care Housing & Supported Living
- Mental Health Hospitals
- Drug & Alcohol Rehabilitation Centres
- Day Care Centres
- Charities
- Hospices
- Acquired Brain Injury Units
- Young adult and children's care providers
Our specialist covers can include:
- Full Abuse Cover
- Medical Malpractice
- Professional Indemnity
- Employers Liability
- Public Liability
- Directors' & Officers' Liability
- Loss of Registration
- Registration protection (pre loss or suspension)
- Coroners inquest
- Engineering Breakdown
- Terrorism
- Crisis Containment
- Buildings/Tenants Improvements
- Contents
- Business Interruption
- Legal Expenses including care specific covers
- Personal Accident
- Fidelity Guarantee
- Motor Insurance
Summercare decided to test the insurance market on renewal this year to see if we could source a better product at a better rate and approached Howden to see what they could offer. The team at Howden could not have been more helpful. The renewal was quite complex, involving multi sites and both residential and domiciliary registered care services. They took the pain out of the process and were both professional and friendly throughout. Due to the advice and support we were given the process was made so straight forward and we ended up with a comprehensive insurance product at a fraction of the cost paid with our previous brokers.
Key Contacts
Anna Jordan


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Document Type
Publication Date
The collection development and management literature from 2011 and 2012 explores how libraries are making difficult collection choices with decreasing funds, competing needs for space, and a continually developing e-market. Digital content is no longer new in collection management, but some of the ways the content is chosen have changed; collection-building activities now include various models of patron-driven demand acquisitions. Other literature in this area examines how libraries are addressing their print and electronic collections with topics including open access materials, shared collection building, and weeding collections for repurposed space.
This is an Accepted Manuscript of an article published by Association for Library Collections & Technical Services in Library Resources & Technical Services on April 10, 2014, available online: http://dx.doi.org/10.5860/lrts.58n3.169
Recommended Citation
Lehman, Kathleen A., "Collection Development and Management: An Overview of the Literature, 2011-2012" (2014). University Libraries Faculty Publications and Presentations. 14.


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Nuh-uh. Everyone I encountered was subdued, quiet. No one talked about it, just went on with work in a very unconversational and dull way. No one seemed to want to meet each others' eyes, as if looking too long would lead to talking they didn't want to do.
After Dubya won, I wept and howled and tore at my hair. Today I'm just...tired.
This entry was also posted at http://amanuensis1.dreamwidth.org/313535.html. Feel free to comment at either location.


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A Tribute To My Husband…
We are a case study of opposites attracting. He's a headstrong doer, I'm a heart-strong be-er. He takes conflict with his daily coffee, whereas I will go to the end of the world to avoid hurt feelings. He's decisive, I procrastinate. He talks on the phone and connects with people, I text and keep to myself.
Yet somehow it works. We've been married almost 23 years now, and though it took us awhile, we figured out a thing or two along the way. I have to say, we do all right.
When the neonatologist told us our son appeared to have Down syndrome, it was him who took the lead, accepting the diagnosis and plunging ahead. I might have floated adrift for quite some time, but Mike rallied immediately, then threw me a lifeline and reeled me in.
We often have tough decisions to make, and when I waffle he's strong. When I procrastinate he pushes. When I get bogged down in my feelings, he's pragmatic. When frustration gets the best of me, he's diplomatic. When I demure, he asserts. When I feel, he thinks.
I'm pretty sure people envision me in the driver's seat in our complex family, and I don't think that's wrong, but if I'm the driver, he's the engine. One of us wouldn't get anywhere without the other.
I don't know how much I actually pause to appreciate my husband. Certainly not enough. In case I haven't said it lately, I notice you. I appreciate you. I value you for who you are and for all you do. I can't imagine living this life and parenting this crew without you right here with me for every little detail. In the midst of it, you make me a better me. You call me out when I'm off-base, you challenge me to improve myself, but you love me exactly where I am. I know you didn't ask for this crazy life, but you have stepped into it and mastered it. I love you completely. And just in case I forgot to tell you, thank you. You are a treasure.


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Photo from my latest photo shoot-March 2003
I was born in 1986 and I live in Georgia, USA.
I graduated from Manchester Christian Academy on October 19, 2003.
I enjoy meeting new penpals via the internet.
Please email me and I will respond as soon as possible.
Click here to visit my mom's main page.
Click here to visit my father's main page.


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Quality Holidays with Family & Friends in a Dreamed Villa Rental
Inmerse yourself in a balanced decore and an ambience bestowed by a dominant white color giving you an interior peace of Villa Tortuga Bay C20. The fullest luxury Caribbean experience jumping into your private palapa and large open gallery to spend some time with your beloved ones while having a drink or enjoying the sunny weather of the Dominican Republic from the swimming pool. You'll be ideally situated to enjoy this confluence of Caribbean delights, while relishing the privacy of your own sanctuary.
In a truly privileged location in which one can relish in the utopia of paradise with views of the turquoise Caribbean Sea and the ever-dramatic landscape of the Dominican Republic's eastern coast. Villa Tortuga Bay C20 in Puntacana Resort & Club, is decorated in modern Caribbean style with spacious and beautifully appointed spaces. When you are a dedicated golfer in search of championship courses, but you also have friends or family members who don't play, the Villa Tortuga Bay C20 is the best option.
To improve your holidays, in addition to Tortuga Bay C20's features, you can access to an exclusive beach club, high quality dining outlets and world-class golf courses. Also in the Puntacana Resort & Club your family, kids and friends can enjoy a wide range of activities like snorkeling, scuba diving, deep-sea fishing, sailing, water skiing, surfing/wind surfing, yatchting, sports tennis, polo, horseback riding, safaris, eco tourism, extreme adventure like zip-lining and more.
Book with us and we will help you plan a luxury holidays in the Caribbean, tourist attractions exploring in the Dominican Republic, for family holidays, golf getaway with friends and romantic weedings.
3RD BDR – 1 King Bed
4TH BDR – 2 Full Beds
5TH BDR in Guest House – 1 King Bed
Main BDR – 1 King Bed
2ND BDR – 2 Full Beds
|Week Night
|Min. Stay
|01/06/19 – 03/01/19
High Season 2019
|2 nights
|03/01/19 – 04/21/19
Spring Break & Easter Season
|2 nights
|05/01/19 – 12/18/19
Low Season 2019
|2 nights
|12/18/19 – 01/05/20
Holidays 2020
|7 nights
|Price do not include:
|18% Country Tax
|3% Credit card fee
|US$ 2000 damage deposite
Included Features & Services
- Daily Maid Service
- Housekeeper
- Bathroom Amenities
- Transfers from and to Punta Cana Airport
- Fruit basket on arrival
- Private Check in at property
- Concierge Service
- Private infinity swimming pool & Jacuzzi
- Full Free WiFi throughout the villa
- Cable TV
- Flat Screen plasma televisions in each bedrooms
- Terrace Bar Area & Grill
- Fully equipped home office (iron & ironing board, washing machine, linens)
- Gourmet fully equipped kitchen (cooking utensils, dishes, blender and coffee maker)
- Gated Community
- Garage & Parking
Additional Cost Activities & Features
Golf Carts 4 Passenger: From US$ 60 – Passenger: From US$ 85 per day | Bicycle 10 USD per day | Grocery List | *Chef on Site | *Babysitter | Massages, Manicure & Pedicure, and Salon services in the villa | Excursions | Eco Tours | Fitness Center | Spa | Restaurants | Fitness Center | Shopping Area
*Requested 48 hours in advance
Cancellation Policy:
- Holiday bookings (Dec 18th – Jan 5th) have no refund except if comparable booking is found, 80% of rental price will be refunded.
- For bookings from Jan 5th to Dec 18th free cancellation if provided up to 60 days prior to arrival except US$ 150.00 admin fee. Within 60 days of arrival no refund will apply.
Area Description:
This beautiful villa is located in the exclusive gated community of Punta Cana Resort & Club, a 26-square mile paradise that is blessed with a temperate year-round climate, light rainfall, and soft breezes. It's colorful coral reefs, calm crystalline waters and white-sand beaches are breathtaking.
This incredible retreat is located inside the exclusive enclave of Tortuga Bay in Punta Cana Resort & Club. Home to such famed luminaries such as Oscar de la Renta, Mikhail Baryshnikov and Julio Iglesias, this property is within three award winning golf courses, two designed by PB Dye and the third is the world renowned Tom Fazio-designed Corales Golf Course. Also on the grounds is the only five star rated resort in the Caribbean, Tortuga Bay Hotel, with its award winning restaurant, Bamboo.
Dating to the 1970s, the Punta Cana resort now covers a stunning 26 square miles including Tortuga Bay, The Westin Puntacana Resort & Club, Four Points by Sheraton Puntacana Village, Six Senses Spa, the Puntacana Ecological Foundation and high-end residential neighborhoods.
Book this listing
Rental Information
- Check In3:00 PM
- Check Out12:00 AM
- Max Guests12
- Min Stay3 nights
Property Features
- Adapted Facilities
- Airport Transfer
- Arrival Fruit Basket
- Bathroom Amenities
- Cable TV
- Concierge Service
- Cooking Utensils
- Free WIFI
- Housekeeping
- Private Check in at property


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July 10th, 2015 ~ From the Desk of Chris Klauer, NNPDF Family Services & Marketing Director
- Don't forget about the Vtesse NPC Community Town Hall Webinar slated for Tuesday, July 14th!
- There is also a reminder about the Family Conference deadline for reserving your room at the hotel by Wednesday, July 15th!
- Haven't registered yet for the conference? No worries ~ contact me at the Central Office for assistance!
- I ran across an article that all parents of children with special needs should read and commit to memory! I wish I had read this so long ago when my son was diagnosed.


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By Cyril Tuohy
A bill authorizing the Securities and Exchange Commission (SEC) to increase the number and frequency of exams administered to investment advisors, and to charge advisors a fee to take the tests, received an important endorsement earlier this month but appears to lack support from one key constituency: House Republicans.
Introduced in April, the Investment Adviser Examination Improvement Act of 2013 (H.R. 1627), is sponsored by Rep. Maxine Waters, D-Calif., and Rep. John Delaney, D-Md. Five other Democrats have joined as cosponsors.
Will the bill die in a legislative committee, beaten back by opposition lobbyists and lawmakers fed up by fees levied on their industry? In 1992 and 1993, the House approved similar fee legislation.
Supporters say it is crucial to protecting investors since the SEC doesn't have the funds to pay for more examiners to police the 11,000 federally registered investment advisors it oversees. Together, those advisors manage as much as $48 trillion in assets.
For all the wealth these advisors control, the typical registered investment advisor (RIA) can expect to be examined only once every 12 to 13 years. The SEC's annual examination rate of 8 to 10 percent of RIAs a year is not enough, the bill's proponents say. As many as 40 percent of investment advisors have never been examined.
In a 2011 study, the SEC itself noted the importance of administering more investment examinations, and both former SEC Chairwoman Mary Shapiro and current Chairwoman May Jo White have called for more advisor examinations as a way to protect investors. In November the SEC's Investor Advisory Committee recommended a user fee.
With the growth in the financial services industry paralleling the growth of self-directed retirement in the past 30 years, the number of investment advisors has also increased. SEC examination capabilities simply haven't kept up.
The advisor exam fee bill got a major boost early in December when a powerful coalition of consumer and financial advisor groups also urged Congress to support it.
In a letter by Certified Financial Planner (CFP) Board of Standards to Congress, representatives of financial advisor and consumer protection organizations warned that the inability to administer more frequent exams could lead to more incidents of fraud and abuse, which cost investors hundreds of millions of dollars every year.
"We are deeply concerned that the SEC's current inability to examine investment advisors more frequently increases opportunities for investor fraud and abuse," the coalition said in the letter circulated in early December.
In addition to the CFP Board, the Financial Planning Association, the Investment Advisers Association, the National Association of Personal Financial Advisors, the North American Securities Administrators Association, the Consumer Federation of America and AARP have come out in support of the bill.
With more investment advisors in the marketplace, SEC regulatory actions against "bad apple" advisors have increased as well. The SEC took action against 140 advisors or advisor companies in the 2013 fiscal year, nearly double the 76 actions taken in 2009, according to SEC data.
In the five-year period ending in 2012, investor complaints received by the Financial Industry Regulatory Authority (FINRA) dropped to 2,785 from 5,405 in 2008. The number of new disciplinary actions filed rose to 1,541 in 2012 from 1,073 in 2008.
There were 294 individuals barred in 2012, down from 363 in 2008, but the 549 individuals suspended last year was far higher than the 321 suspended in 2008, FINRA statistics also show.
The coalition urging support for the bill cites a 2011 study by the Boston Consulting Group that found broad support among advisors for a user fee as "the least expensive of the options set forth" in the SEC study.
Approximately 81 percent of investment advisors said they preferred SEC oversight rather than FINRA, the BCG survey found.
The Adviser Examination Improvement Act would cover the cost of administering exams and inspections. Extra funds would not be considered public funds available for general purposes.
The calculation formula would vary depending on exam frequency, assets under management, the number and type of client managed by the advisor. The Comptroller General of the United States would conduct an audit of the fees every two years.
Cyril Tuohy is a writer based in Pennsylvania. He has covered the financial services industry for more than 15 years. Cyril may be reached at [email protected].
© Entire contents copyright 2013 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.