text:
"Intracoastal Mangroves" 12x16" oil on panel, MTGullberg; available in the Print Shop.
Maria Gullberg-McCadden was born in Norristown, Pennsylvania and raised in Montgomery and Lancaster Counties. Creativity in all its forms was the norm in her family of artists, singers, and musicians, and Maria's creativity was always encouraged. While the obvious influences of her father (an architect) and grandfather (a self-described "Sunday Painter") helped form her love of art and painting, Maria's mother remains her greatest supporter.
Attending Catholic schools, Maria often received Art Awards throughout her early education, and she credits her high school art teacher, Richard Ressel, with instilling in her a deeper appreciation for the arts. While attending Moore College of Art from 1981-83, Maria was exposed to the exciting and vibrant Philadelphia art world. Working as an assistant at the Philadelphia Museum of Art's library helped to ignite her passion for education and art history. With a shift in career focus, Maria transferred to Millersville University to study Art History where she earned her BA in Art.
In 1993 Maria moved to Port St. Lucie, Florida with her two small children and started teaching art at St. Anastasia School in Ft. Pierce. After 22 years of teaching she followed her heart's passion for helping people on the margins and traveled to New Mexico to serve as a missionary teacher at St. Francis School, a missionary school that serves the Jicarilla Apache Nation and surrounding community. Now back in Florida, semi-retired from nearly 25 years of teaching art, Maria has returned full circle to her first and best gift: Painting! Maria works mostly in oil paints and watercolors, but will often work in other mediums such as acrylics and charcoal as her subject directs. Her many experiences and interests uniquely inform her mission, which is to remind people, through her landscape and nature paintings, of the joy and wonder that is abundantly present in all of creation.
I enjoy working with a wide variety of art materials and mediums, but I paint my landscape and nature scenes in oils and watercolors. My oil paintings are on both stretched canvas and primed wood panels. Watercolor paintings are done on 140 lb. cold-press watercolor paper.
Although most of my paintings are created in my studio, many are begun en plein-air. It's the little details that I see and try to highlight in my paintings. Traditional oil painting and dry-brush watercolor techniques help me to achieve realism in my paintings.
I'm on a mission to counter the negativity and violence we see in our world by instead highlighting the beauty, wonder, and awe that is found in nature.
My paintings and drawings shine a light on the positive and often overlooked details of our amazing planet. I'd like to help you and your loved ones cherish your shared memories in nature by creating artwork that reminds you of the joy you experienced together in nature.
Contact me to schedule time to discuss your idea for a commission or to visit my studio to select work from my collections.
I have always been inspired by nature. An avid gardener, when not in my studio I can be found outside in my vegetable garden. The colors and textures found there often inspire my smaller watercolor works on paper.
Although I can easily find inspiration just outside my back door, I do enjoy hiking around Florida and other places in the US. I've always done a little plein-air painting throughout my life, but in recent years I've made it a regular part of my creative process. During hikes I'll take lots of pictures of all the beauty I experience. One or two pieces may be created on site, but the images captured on my camera become my inspiration for future studio works.
Currently my focus is on a series of paintings of Florida's Mangroves. Human behavior has put the Mangrove Forests at risk here in Florida and around the world. Hopefully my paintings will inspire others to take action to help protect and restore this important ecosystem. They are a vital part of the Florida landscape, and truly full of wonder and beauty!
Sign up for my newsletter & to be the first to know about new work and upcoming shows!


text:
Students Write, Direct and Star in 'Scarlet Letter' Musical»
"Imagine letting 30 kids ages 14-18 rewrite an 1850s classic novel that explores legalism, sin and guilt.
Now imagine letting them to make it into a musical.
It may sound far fetched, but that is exactly what Sandy Collins, the drama and orchestra teacher at Frontier Academy's high school, did recently."
[Greeley Tribune]

subset: commoncrawl


text:
- In the Philippines, 73% of employers are only hiring college graduates, even after the K12 implementation (Jobstreet.com, 2018).
- InvestEd helps unbanked students finish university through its high-tech student loan program.
- Vanderes Foundation makes its first impact investment in the Philippines.
PHILIPPINES, JULY 2018— InvestEd, a home-grown startup in the Philippines, provides marginalized college students loan products that are exactly fit for their needs, payable only after they graduate and gain employment. This includes loans for tuition, daily allowance, dormitory, projects, vocational study, laptops, and licensure exams. By 2022, InvestEd aims to slash the college dropout rate in half by reaching a total of 300,000 students.
The Vanderes Foundation was set out to improve the access to quality education. In their first year of existence, they've been able to support three student loan providers in Southeast Asia. Through them, Vanderes provides underprivileged students with the opportunity to change their lives for the better. These students are often the first ones in their families to go to university and get a degree. The Foundation believes that those degrees are not solemnly the key to a more fulfilling life for the students themselves, but also for their families and especially their future children.
"InvestEd has an ambitious plan; reducing the number of Filipino youngsters that can't finish their studies due to financial shortcomings in five years' time. We are very proud to support this goal with our partnership and will help them succeed wherever we can."
Enrollment Season in the Philippines: A Difficult Time for Low-Income Students
A big part of Vanderes Foundation's capital will be used to fund vulnerable students during this year's enrollment season. Just last month, InvestEd was overwhelmed with hundreds of loan applications—most of these came from students who do not have the money for tuition fees and daily allowance to continue their education.
Carmina Bayombong, InvestEd's CEO said: "One question I always get, is why education loans are still needed even after the free tuition bill. I think our government's efforts to make education more equitable is promising. However, there are still many dropouts at the public schools, due to insufficient funds for daily allowance. Even before the free tuition bill, we got public school students saying that their primary funding needs are daily food and transportation allowance.
Besides that, what we have to remember is that free tuition is only implemented in public schools and only 12% of our higher education institutions are public. This means millions of students are still not affected by the free tuition loan bill. Many low-income students end up in private schools just because they did not make the capacity cut-offs in public schools. This leads to a total annual dropout of around 600,000 college students due to financial difficulties."
A Scalable Student Loan Program for Developing Countries
InvestEd uses a unique credit scoring and verification system in order to make lending possible to unbanked students. This allows them to identify creditworthy and quality students at the application stage, in less than 15 minutes with the use of both non-traditional and traditional data analytics. Currently, InvestEd has a 100% repayment rate from its graduated borrowers.
To attract loan capital to fund students, InvestEd allows individuals, corporations and foundations to lend to students in return for fixed annual earnings. Funds provided by lenders are managed by InvestEd to ensure the spread of risk, return and growth of capital. To-date lenders have loaned a total of 7M pesos at InvestEd.
To ensure that their student borrowers succeed in employment and repayment, InvestEd has a Borrower Success Program. The program includes training and coaching in employment and financial literacy. In 2017, InvestEd's pilot group of students achieved a job placement rate of 33 days compared to the national average of 180 days.
To-date, InvestEd with the help of its lenders, has loaned out almost 4 million pesos to students across five regions, namely Metro Manila, Calabarzon, Cagayan Valley, Central Luzon and Bicol. True to its mission, InvestEd has been serving the marginalized: 22% of InvestEd's students previously dropped out of college before getting an InvestEd loan; 43% got loans from predatory lenders before InvestEd, while 90% were unbanked or had no access to formal financial services before InvestEd. InvestEd is also empowering more women to succeed, with 61% of its student borrowers being female. These include women who have dropped out before due to motherhood and women entrepreneurs who have been sustaining their education through micro businesses.
Mirte Gosker, Chair of Vanderes Foundation shares, "What I personally really like at InvestEd, is that it was started by two young women. There is still a huge gap in gender equality in the world and men are overrepresented in governments, boards and also amongst startup founders. I've come across many courageous Filipino women and truly admire their strength. I'm looking forward to see Carmina and Melissa succeed in their cause and become role-models for women across the world to fix those things that need fixing."


text:
Sign up for our free newsletter.
Ask the Experts at 2Civility.org: Is there an acceptable practice for soliciting reviews without violating the rules of professional conduct?Mark C. Palmer - July 16, 2019
"What are the best, and preferably affordable, ways to protect our office, and in turn protect our clients, from phishing scams and other online threats?"Mark C. Palmer - March 28, 2019
Question: During a recent jury trial, counsel was provided with completed jury questionnaires including names, ages, home addresses and places of employment. In addition to using traditional research techniques found in public ...Mark C. Palmer - January 23, 2018
Question: "A growing number of millennials are joining older generations in law firms. What are generational communication differences, why do they matter, and can understanding them improve performance across our firm?" In this ...Jonathan Fitzgarrald - March 29, 2017
In this edition of "Ask the Experts," Legal Marketing Association member Aleisha Gravit answers the question, "How can I get my foot in the door to meet with a potential client?" Read her answer for ways you can use research on a potential ...Aleisha Gravit - September 12, 2016
This month's big question: "We're a small firm and can't afford to hire a full-time marketing director. Are there other options we should consider?" Of course there are. And in this edition of "Ask the Experts from the Legal Marketing ...The Editors - August 9, 2016
Question: How can I get my partner to cross-sell me to her great contacts? One of the toughest nuts to crack in a law firm is getting that important introduction to someone else's client. You know they need your expertise ...The Editors - July 12, 2016
Question: Do lawyers use print brochures anymore? I'd like to avoid that expense and get by with PDFs online. In this month's edition of "Ask the Experts from the Legal Marketing Association," LMA Hall of Famer ...The Editors - May 31, 2016
Question: Are there tools available to help me see how many people are reading my blog? Are there standards to judge its success? In this month's "Ask the Experts from the Legal Marketing Association," ...The Editors - April 28, 2016
Question: My secretary is sick and absent from work a lot. Yet I need someone here every day to help me. What can I do? If your assistant is missing in action more than you like, you can find yourself in a ...The Editors - January 25, 2016


text:
City of Bunbury
The port city of Bunbury is the regional capital of the South West Region of Western Australia. Surrounded by water on three sides, Bunbury boasts beautiful beaches, rivers and inlets and affords its residents unique waterfront living. Many of the city's residents rely on mining, manufacturing, building and retail industries for their employment, working both within the city and in surrounding shires.
Bunbury is well serviced by road, rail and bus services and is only one and half hours drive from the state capital of Perth. It has its own small-scale airport and an express passenger train service which runs between Perth and Bunbury daily. The city offers a wide variety of retail shopping, and quality education (with its own university campus), health and sporting facilities.
The City itself is home to approximately 33,075 people, but the population of the Greater Bunbury area, which includes the adjacent urban centres of Australind, Leschenault, Eaton, Gelorup, Dalyellup and Stratham, is an estimated 67,090 people. More population statistics.
Bunbury's port is one of Australia's biggest regional facilities. It services the export of bulk commodities such as alumina, woodchips and mineral sands. The port also handles a range of other general cargo imports and exports. Find out more about Bunbury Port trade.
Visit the Bunbury visitor information website for detailed information on local attractions, events, tours and accommodation options.
Shire statistics
|Bunbury, South Bunbury, Withers, Mangles, Glen Padden, Crosslands, Carey Park, Wollaston, Picton, Sandridge Park, East Bunbury, Rathmines, Glen Iris, College Grove, Kinkella, Mindalong Heights, Pelican Point, Usher, Grand Canals, Vittoria Heights, Tuart Brook
|Local industries
|Business, Retail, Entertainment, Health, Arts, Government sector, Heavy and light industry, Tertiary Education, Tourism, Mining, Port Trade
|Resident population / annual growth rate
|Building value
|Residential / non-residential building values
|Number of residential building approvals
|Labour market
|Labour force / unemployment rate
|Average income
|Average taxable income per annum $68,704
|Value of agricultural production
ABS Census data
Community Profiles
Census QuickStats


text:
Detailed Work Orders
Once the proposal bid has been won we will continue to take you throughout the job until completion. If your job is small with a simple work order or a massive compilation which requires many many details we've got you covered.View Service Detail
Data Protected by Amazon Web Services
Your data is protected by amazon web services. The same solution used by Adobe, BMW, Capital One, Comcast, NASA, Netflix, SAP, Yelp, Zillow, and many others. You will never need to backup data or upgrade your computers again.View Service Detail
Manage All Sales Leads
With over thirty years of experience in residential renovation design and over 16,000 renovation plans delivered to this day. We Know the industry! Our software will help you stay on track from the first phone call to the closing of the job.View Service Detail
Professional Proposals
We help you make the best top proposals for each of your Leeds. All the graphics, Forms, Information, Costs, Notes and Details are quickly converted into a PDF to help you better win your bids.View Service Detail
Accurate Invoicing
Easily invoice your customers with built in quickbooks desktop and quickbooks online integration. You'll never loose track of your accounts receivables again!View Service Detail
Precise Estimating Process
We help you with getting and providing the most accuracy for all of your bids from start to finish! Whether your just starting your business and your still fresh at remembering ALL the details that need to go in or you have been doing this for many many years, we help make all the steps easy, faster and more precise with high Quality Professional Proposals.View Service Detail


text:
Awareness ribbons are use to create public awareness for specific health conditions. The meaning of the colored awareness ribbons globally is to wear them and by doing that, making a statement of support for a particular cause. The meaning behind every awareness ribbon depends on it's colors and patterns.
Wear the Grey awareness ribbon to raise awareness for Asthma, Diabetes, Encephalitis, Parkinson's
Not sold in stores - Internet Exclusive!
View the entire Grey Awareness Ribbon Collection HERE.
Both lines of text fully customizable!
We only work with the best designers and printers in the business to ensure you the best quality possible!100% satisfaction guaranteed!
Not happy? Shoot us a message and we will do just about anything to change that!
Size Chart
Collections: Awareness Ribbons, Best Sellers, Grey Awareness Ribbon, Hoodie, Long Sleeve, Personalizable Items, Winner
100% satisfaction guaranteed! Not happy? We will do just about anything to change that!
Sign up to get the latest on sales, new releases and more …
© 2020 The Unchargeables. Designed & Developed By Digital Develop


text:
Sai Baba - "This Is GOD!" By: Maria Crane (Received: Jan. 2012)
"How come I know Sai Baba? To answer this question in 1995 at the age of 65, while attending a weekly lady support group in a senior village in California a major miracle occurred in my life .
Each week meeting in a different members house and each hostess introducing a subject she had chosen for our meeting. After we settled with our coffee's, Elaine, a retired travel agent, asked would we like viewing a video about a holy man in India and we agreed. Then as soon program started, Sai Baba's face appeared. I went into shock at that very moment, my head saying clearly " oh, my God, this is God." For me it was the instantaneous recognition totally out of nowhere never expected ever. I had never heard His name, seen a photo or read of His existence.
Born and raised in the Catholic faith I had left the church 35 years earlier and stopped believing its teachings. At that time, living through various testing tragedies again I was seeking help and support in my faith. The solutions a father confessor proposed were just preposterous and quite illegal. I never went back to church again. I also stopped believing in the existence of God altogether thinking if there was a God what was happening involving my innocent children would not be allowed.
Until that moment of sudden inner knowing that I was actually looking at THE God on a TV screen. I always thought a life like mine is mostly pain in the end I will die abandoned and alone .
I have often wondered where does instant knowing without the slightest doubt come from. Where in us is this knowledge stored. Later I have come to know its the immortal atma's recognition of my having known HIM as Lord Ram.
Thanks for the opportunity to share this."
Dear Ted;
Thank you so very much for allowing me a voice in your postings. Both of the e-mails you sent in regards to this I just received today.
My blurb on how I became aware of Sai Baba was incomplete. I want to add to it as a follow-up, that's in case this is allowed?
With an six weeks of my sighting of God TV , HE conspired to have both my husband visit Puttaparthi. None of the ladies at our meeting except myself had recognized Baba. Right after I started hunting for more information on Sai Baba. When finding no one, I next consulted the San Francisco phonebook to find a church or temple where God Baba is worshiped. Finding a listing for the SF Van Ness center I was referred to a Sai devotee here in Sonoma County. Two days later a rather mysterious visitor delivered a Mala with an altar cloth at my sliding kitchen door, saying I am supposed to give this to you. She immediately disappeared before I could ask her in. Next I was introduced to a Sai devotee by another group member. This lady had spent 2 1/2 years in Baba's ashram, and just returned to bury her father.
We found she needed a ride to Medford, Oregon. My husband Jim, who by then had driven over a hundred thousand miles for our local Volunteer Wheels organization, decided, let's take her there. On getting to Medford, we first rented a motel room. She asked me to come along to Wilma Bronkey's place. This was my second miracle. I was overawed by her, the place, stories, videos and other Sai memorabilia. After spending the entire afternoon Wilma asked us to stay for supper, saying she was planning a trip to India within the month. So would I care to join her to see Sai Baba?
Back at the motel, Jim was reading his foreign service Journal. He took one look at my hard to contain excitement saying "I can tell you had a fabulous time, but I'm busy , meaning he was not open to conversation. The next morning as I was driving back on 5 seeing the sun rise over Mount Shasta, Jim turned to me asking " you want to go to India, don't you." I was so startled, I nearly wrecked the car while stuttering back." why yes, actually I would. So do you mean you would let me go to India?". I had not even dared tell my husband about Sai Baba, being a no nonsense US diplomat in retirement. He normally attended the Unitarian Universalist Fellowship, it's more like a social action committee.
To my utter surprise, saying. "I can't let you go by yourself, when we get back, you make arrangements so we can both go!" That was the third miracle. We joined Wilma's group leaving for India with in the same month. Wilma had booked us into guesthouse in Puttaparthi. Soon after she marched us to the sports stadium. Preparations for a festival were under way. We stood on a little hill when suddenly I saw a red Mercedes pass . Baba was seated in the back. He turned around and waved. U was screaming, oh my God, here he is.
Jim matter-of- fact answer was " okay so he's in a car, so what,". All of this happened within six weeks of seeing Baba for the first time in my life on TV. When your time has come, and he calls on you, all doors open wide.
Just to clarify, my life at this age is comprised of many chapters. I've spent a total of 46 years of my life married to three husbands. One at Cherokee Indian, one a German inventor in the last US diplomat. I've also lived practically all over the world, with my last major learning test being thrown into a Brazilian insane asylum and then deported back to the United States, hospitalized again in Chicago for tests, where I was released by the head psychiatrist as sane and functional without need for any medication.
It was the last of five times, of losing everything I had worked for set up or gained, which has taught me rather late in life. I am no longer interested in any kind of processions at all. I now live in a small apartment with a few items from Goodwill, until the next chapter, which is likely traveling to India again for dental work -I can't afford to both maintain a location and travel so I have to store my stuff once more.
I have moved 19 times since my removal from Brazil. I'm grateful I have enough mobility to function to live totally alone, drive a car and that sort of thing, at the age of 83. As far as using the part about husband number two in the Arctic, my marriage to him was before ever found Sai Baba existed but that certainly up to your editing and decision.


text:
"Ken was instrumental in facilitating our business leadership group through several vital strategic planning sessions. His guidance and framework set a tone of creativity that would not have been achieved on our own. We felt "safe" to discuss important topics that set a new course for our company's future. I highly recommend Ken and endorse his work as being valuable and effective!"
Chris Detweiler, President
Detweiler Builders & Contractors
"Ken Byler/Higher Ground Consulting Group, LLC has served Penn Foundation with distinction over many years with a variety of complex organizational development assignments. Whether the task at hand is the design and implementation of a major strategic plan initiative, facilitation of a departmental retreat, a management training program or governance consultation – Ken can always be counted on to produce consistently excellent results. Ken's interpersonal skills build trust while his command of his programs builds respect."
Wayne Mugrauer, President & CEO
Penn Foundation, Inc.
"Ken helped our leadership team understand our team dynamics in new ways, ultimately improving our communication and ability to work to achieve common goals. He creates a space as a facilitator that feels safe and invitational. The design of the retreat and quality of the sessions effectively addressed our highest needs."
Joe Hackman, Lead Pastor
Salford Mennonite Church


text:
was £65 now £48.75
In stock - Delivery to you in 2-3 working days
A charming penguin design cushion featuring two characterful, hand-drawn penguin friends. Contrast piping in soft, matt white velvet, Pelham Milk. 100% cotton, handmade in the UK and filled with sustainably sourced duck feather and down. Put on your tux and meet these two in Antarctica. Cushion pad included.
|Product Code:
|Product Height:
|55 (cm)
|Product Width:
|55 (cm)
|Cushion Filling:
|55cm x 55cm
Delivery is FREE and will be delivered in 2-3 working days via our courier partner, DPD.
We offer 14 day returns. Find out more
Tux pays tribute to the majestic emperor penguins of Antarctica. Watch these two greet each other, the first with his beak slightly open as if speaking to his partner, who receives the news with wide-eyed assent. The colourway Snow revives their year-round snowy habitat and the penguins' tufty, yellow neck feathers add a spot of eye-catching colour. A beautifully unique cushion that will give character and charm to your room.


text:
I picked this cute little book up from the UQ Book Fair as I thought it was Finnish - the names look very Finnish as' pulla' (my grandpa's dog) is a type of sweet bread. Turns out it's written in English and is about a family travelling gypsies, it's very cute.
I am gearing up for the Lifeline Bookfest in June, this time I will buy some nice books as 'keepers'. If we have little grommets I want to read them these beautiful old books - so many new books are just so boring and the illustrations are all done on a computer, ugh.


text:
Goodsearch lets you support your favorite charity or school whenever you search the Internet. Goodsearch is powered by Yahoo Search and generates revenue in support of the charity of your choice.
Fifty percent of the revenue generated from Goodsearch advertisers is shared with the charity, school or nonprofit organization of your choosing. They estimate that each search will generate approximately $0.01 for the designated charity or school. Click on the "amount raised" button to see the amount of donations recieved. The more people search on behalf of any particular organization, the more donations to the charity they get!
You can add a New Charity link on their homepage. After verifying its a nonprofit organization, it will be added to the database. You can add Goodsearch to IE and Firefox. If you usually search by Yahoo Search, then you can give Goodsearch a try and support the charity of your choice.


text:
April 14, 2007
Day 563
The subway in Rio is meant to be a great way to get around, but the problem is that it only covers a small portion of the city. Leblon is far away from where the subway line ends, so until today I had never gotten a chance to use it. However, today I wanted to see the center of the city, so I decided to give it a try. Even though there isn't a subway line in Leblon, there is a convenient "Metro Bus" that takes passengers directly to the station and includes a ticket to ride the train. It turned out to be much faster than taking the bus. I made it to the downtown area in only about half an hour, whereas it may have taken two hours in a bus last night.
Downtown is where all of the major business happens in Rio. However, because it was Saturday, it was almost deserted. Lots of guys were selling bootleg CDs and DVDs and lots of other junk in the streets, but the office buildings were all closed. The place seemed very dirty to me, but that's probably just because a cleanup crew was uprooting all of the garbage that had been discarded during the week. On Mondays, I bet the area is bustling and clean.
One thing that was open was the naval museum. It had a small free section where I could take pictures of the busts and paintings of old naval leaders, but to see the rest of it I had to pay and leave my camera behind. The pay section of the museum was large and interesting with models of Brazilian ships that have been used from the 1600's till today. Everything was written in Portuguese, though, so I had to settle for visual stimulation and save the intellectual stuff for later.
The photo album for this entry is here.


text:
<div style="display: inline;" data-ihf-client-id="103852" data-ihf-subscriber-id="" data-ihf-subscriber-email="" data-ihf-subscriber-first-name="" data-ihf-subscriber-last-name="" data-ihf-subscriber-create-date='' >
2015 N Conway Avenue, Mission, TX 78572
Sq. Ft.: 1,450
Type: Commercial
Listing #218788
Request Information
Prime location, business history since 1996.| [1st Door Entrance to the beauty salon]| An established hair salon in the center of Mission . | The buyer of this business will acquire all the beauty salon equipment as part of the sale.|Amazing opportunity to own a fantastic hair salon.| The conveying beauty salon equipment consist of: Styling Chairs, Styling Stations, Shampoo backwash, Reception Desk, Manicure table, Pedicure Table, Accessories, Massage Bed, Beauty Therapy supplies…etc…Half of the Building has been divided and leased to the Herbalife Landlord.
Property Features
Location Information
County: Hidalgo
MLS Area: Mission
Subdivision: J.R. #1
Exterior Features
Lot Size in Acres: 0.095
Lot Size in Sq. Ft.: 4, 150
Dimensions: 166×25
Additional Information
Property SubType: Commercial Sale
$ per month
Year Fixed. % Interest Rate.
Year Fixed. % Interest Rate.
|Principal + Interest:
|Monthly Tax:
|Monthly Insurance:
Based on a fully amortized fixed rate loan. Ask your agent for the tax rates in your area. Insurance estimate is based on an average cost, your final premium cost will be determined by the type of coverage you select. This program only provides an estimate.
© 2018 Greater McAllen Association of REALTORS®. All rights reserved.
IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Greater McAllen Association of REALTORS®.
GMAR(McAllen) data last updated at April 14, 2018 10:22 PM CT
Real Estate IDX Powered by iHomefinder


text:
Catholic Christmas Gifts
Celebrate the Birth of our Savior with our extensive line of religious Christmas gifts and Advent materials. We have traditional as well as new materials that honor and praise our Lord Jesus Christ on the celebration of His Incarnation. These Christmas materials are perfect gift ideas too. Browse our collection below.


text:
And here are the results!
We'll be at Hourglass Field in Mira Mesa (just south of Miramar College). Park in the Miramar College parking lot. We'll be there from 9-3 on Saturday and Sunday. Here's a mapquest link if you need it: Hourglass Field. Hope to see some of you there!


text:
[Note: This blog post is part of a series. Part one is here. Part two is here.]
Here in this particular part of the series on the ministry of reconciliation, we see that the speaker has been aware of the full scope of his message. It is good to see someone see the outlines of what they are dealing with and get a sense of the contours and terrain of their message. One of the striking elements of this message, and indeed this series of messages, is its focus on relationships. I do not consider myself to be a particular expert on relationships. I have a terrible ambivalence between a deep longing for intimacy and connection on all levels with other people in friendships and romantic relationships, and the same with God, and also a deep terror at being too vulnerable to wounds, being a deeply scarred person with a dark personal past [1]. This ambivalence between fear and longing has not made it easy for relationships for me, and this series of messages has dealt rather squarely with the nexus of that problem and the ground on which the difficulties in my life spring.
Of particular personal interest to me was the way this message discussed the question of offense and was targeted at the person taking offense. What must we do internally do be a peacemaker? The speaker, wisely, notes that in dysfunctional conflict that both parties have damaged each other. If one party was comparatively undamaged, they would be able to forgive because they were not hurt. It is easy to forgive when one is undamaged, as a sign of strength. There are some who are sensitive, like popes and Thai kings, who feel it necessary to give pageants of phony reconciliation in order to show themselves as merciful rulers. Yet we are often deeply hurt by the wrongs committed against us. This message hit me personally on a different level than the first one did, as someone who has caused offense and deep suffering with others. This message examined the difficulty of being the one offended, of one who has spent plenty of time in dark places wrestling with the damage done by those who have sinned against me.
I do not feel that I am the best judge of my own graciousness to others. I don't know the extent to which others can see the peace of God in me, or the way in which others have struggled to find the peace from God themselves before going to me about my own offenses. Do I walk along the way of peace? Despite my own devotion to the studies of military history, and my own self-knowledge of my ferocity in conflict with others, I ponder if I am the sort of person who can be trusted to be a peacemaker, someone who can help bring God's mercy and love to a world broken by its own sins and by the sins others have done to it. I know I live in a world full of broken people, broken marriages, broken families, and broken congregations. I am no less broken myself than those I see around me [2]. How do we recognize the way that God has been merciful enough, despite everything, so that we are able to be merciful others? I do not want to be a person that holds on to a little debt and ends up suffering for my own massive debt that I owe to God that is more hopeless to repay than my college debt.
When I think about the person who recommended this series of sermons to me, I feel a great sense of compassion. This speaker talks about the damage that people suffer because of the hostility of their parents to each other. Both her and I have suffered deeply from this, and my own knowledge of my suffering gives me a great deal of compassion for her own, and for my other friends who suffer the burden of that brokenness. Being a person who grieves for my own losses, I also grieve for those who have suffered like me. I hope, though, that I have not placed a great burden on this person or on others that harms their own relationship with God, or makes them think that God is unjust simply because of my presence and role in their own life. I do not want someone to be consumed with bitterness because God has been merciful and gracious and generous to me. In the case of the young woman who found this series of messages so useful, I hope I have not made it difficult for her to seek God's way and seek to be baptized. Having lived under heavy burdens, I am especially disinclined to heap burdens on others.
The author gives some worthwhile questions for us to ask ourselves when we are trying to deal with someone who has sinned against us, to reconcile with them and re-establish a godly relationship with them: What is the Christ-like response to this situation? Am I overreacting? Am I acting in this situation out of frustration because my desires aren't met? Is my pride injured? Is this an offense I should simply overlook? How did I contribute to this conflict? These are all questions I often ask myself and will work in asking myself in any future difficulties I have with others. Perhaps those who have awkward or dysfunctional relationships with me could ask themselves these questions and hopefully we may all better overcome the difficulties we have in this life, that we may avoid bitterness and that we may be reconciled to each other and build good relationships based on mutual love and respect. I cannot think of a single person on this earth with whom I would not want to get along and enjoy getting to know in the Kingdom of God as a brother or sister in the Family of God. I hope the same may be said of me.
[1] See, for example:
[2] See, for example:


text:
Vertex Dental and NextDent are leading global innovators and manufacturers of photopolymer, thermoplastic, polymer and monomer materials for traditional and 3D printing dental applications. NextDent has developed 12 dental 3D printing materials to date and has obtained regulatory approval for use of these materials in more than 70 countries worldwide. NextDent's portfolio of 3D printing materials allow dental professionals to produce trays, models, drilling templates, dentures, orthodontic splints, crowns and bridges with enhanced speed, precision and efficiency and lower cost compared to conventional procedures.
"With the combination of our disruptive Figure 4 platform and NextDent's revolutionary materials, we have the unique opportunity to deliver transformative digital production solutions from the dentist's chair to the dental lab," said Vyomesh Joshi, President and CEO, 3D Systems.
3D Systems will continue to offer Vertex Dental and NextDent's existing portfolios and will continue to sell to and serve all current customers. Rik Jacobs, formerly CEO of NextDent & Vertex Dental, will join 3D Systems and lead the company's worldwide dental business. Connie Peterse-van der Koppel, formerly Chief Development & Regulatory Officer of NextDent & Vertex Dental, will lead 3D Systems' dental development and regulatory efforts. Together, with their teams, these leaders will continue to deliver materials innovation, regulatory compliance, manufacturing efficiency, and vertical solutions expertise to advance 3D Systems' solutions across healthcare and other verticals.
"We believe 3D Systems is the perfect match to help accelerate adoption of 3D production in the dental industry and drive innovation towards next generation solutions," commented Rik Jacobs, CEO, Vertex Dental and NextDent. "We are delighted to be part of this amazing team."
3D Systems expects this acquisition to be immediately accretive to its non-GAAP earnings per share and cash generation.
3D Systems website : http://www.3dsystems.com/
Our 3D Printers Dental Collection: The ProJet® 1200 is ideal for small, precise, detail-rich parts and casting patterns, such as jewelry, electronic components and dental wax-ups.
- See more at: https://www.wittystore.com/projet-1200.html-2
The ProJet 6000 MP is the perfect technology for the growing field of digital dentistry and computer-aided medical applications.
- See more at: https://www.wittystore.com/projet-6000-mp.html


text:
I have a strange way of making friends. I mean, I meet people pretty much the same way everyone else does, but I go about choosing my "keeper" friends oddly. #8 and #9 are such people.
Do I remember exactly when I met Shane? Nope. I know he did community theatre with my Mom and I was involved backstage somehow. I was quite young and don't have the clearest memories of my community theatre days. Once I got involved, I got heavily involved, and one production blends into another.
What I do remember clearly is that Shane was part of a group of crazy boys (men?) that I admired and loved very much. They were (are?) smart, witty, creative, rambunctious, and fiercely loyal to each other. They all pretty much treated me like a little sister (though I thought most of them were hawt!) and protected me. Our families knew each other well and spent a lot of time together, but I was still the "kid" through most of it.
There was a lapse in time where Shane and I didn't really speak or see each other. Too long of a story to mention, but he was back in town when I turned 20 (or was it 21? Again… a blur) and he took me out for an amazing day that resulted in drinks and getting my navel pierced.
Though we were good acquaintances up until that point, that one day of sharing, confiding, hugging, and celebrating made us brother and sister. One day is all it took.
And it's been that way ever since.
He lives on the other side of the world now with his beautiful family.
But he's still my Big Bro. Taking care of me from afar.


text:
Event Details
All guests should be seated by 10:30 a.m. Exercises will take place in Commencement Hollow unless weather prevents it. In the event of inclement weather, the program will be held in the Health, Physical Education and Recreation (HPER) Center. Tickets are required for an indoor ceremony. The Myers Hall Bell will ring twice during the morning to signify that the program will take place outdoors. Either way, all graduates will have the opportunity to #StompTheSeal.
Traffic Advisory
As Commencement approaches, Wittenberg University looks forward to welcoming family and friends to our beautiful campus to celebrate with the Class of 2020. In order to allow these guests to gather safely at Commencement Hollow for the Ceremony, we will be closing East and West Campus Drives at 9:30 a.m. on May 16.
- The exit to N. Plum Street (the road behind Koch Hall (Art building) will be reversed so that vehicles cannot exit onto N. Plum St. from west campus drive and instead vehicles will be able to enter from N. Plum St. at 9 a.m. to allow easy access to the Recitation Hall and Carnegie Hall parking lots to accommodate handicap parking for guests only.
- To help alleviate traffic congestion, there will be no west bound traffic on West Ward St. between Woodlawn Ave. and N. Wittenberg Ave. Vehicular traffic will be redirected down Woodlawn Ave. to W. College Ave. Also, N. Wittenberg will be restricted to one-way traffic north from W. College Ave. to W. Ward St.
- Officers will be at these locations to assist you and your family and friends. Officers will also be a various other locations to assist you with your needs. In the event of rain and Commencement is held at the HPER Center, we will not regulate traffic in the areas mentioned above.
Take a Look Back:
Check out this story about one of Wittenberg's great traditions: Spheres of Success


text:
Corporate governance / internal controls
Kokando has inherited the aspiration of Masatoshi Maeda, the lord of the former Toyama domain, to "broadly spread the desire to help (people) to remote areas," from which the name of the company was derived, and conducts its business based on a philosophy of contributing to society by manufacturing medicines. It is necessary to increase corporate value and implement robust and efficient management in order to become a company trusted and revered by stakeholders. With the goal of strengthening corporate governance throughout the Group, Kokando is working to implement various measures and create an environment (that is conductive to corporate governance).
Corporate governance system
Introduction of a system of operating officers
A system of operating offices clearly separates the business supervision functions from the operation execution functions and establishes prompt and effective management.
Appointment of independent directors and auditors
Directors that are independent of the company are appointed, which enables a wider range of points of view when making decisions and monitoring operations. The Board of Auditors is composed of 4 members, 3 of which are independent auditors.
Internal Audit Office
An Internal Audit Office has been created to support corporate governance, and the internal control system has been expanded. In addition, the office regularly makes reports to managing directors and provides advice for a stable governance system.


text:
Am I Allergic to My Own Energetics? Understanding Music, Sound & Frequency, Color coding, and how consciousness moves through the physical Body
Those of us who choose to raise our vibrations undergo changes on all levels of our being. This can happen in many ways, and unique to our own individual experiences. We are living in the most awesome times ever before in the history of this planet, and the frequencies that are available now are creating some elating experiences. At the same time, they are creating major adjustments to our mind, emotions, and physical body. One must be careful to approach this incredible transformation because when bringing in the light, higher frequencies can literally crush physical matter and the individual can experience major health problems. Also, those who are not choosing to undergo this transformation are experiencing this anyway by just being alive on a planet whose frequency is now at a higher range.
The medical industry remains clueless and limited by their own structure when trying to understand something that is metaphysical. However, there are individual doctors and facilities who are beginning to adopt practices that address energy, but it is still very new to the industry. So, instead of being able to cure this energetic issue, they merely treat it with their limited understanding, and this can make matters worse.
Many people are prescribed anti-depressants, opiates, or drugs that are detrimental to ones being, and is highly overlooked, creating a dependency epidemic like we have never witnessed before. Some people remain upset with this lack of care and continue to self-medicate to offset the symptoms they are experiencing. This not only creates havoc within the energetic bodies and the physical, but when one feels they are ready to let go of this they tend to experience a type of shock and then immediately go back to drinking alcohol, or taking street drugs, or even the legal cannabis that everyone is beginning to rely on to assist their healing and well-being (there is nothing wrong with cannabis. It does assist some key issues such as epilepsy, cancer, auto-immune deficiencies, neurological disorders). However, allowing one's energy to serve them means they do not need anything outside of themselves. The light-body begins to come into the carbon body (physical body) naturally, and with time the symptoms subside, but this can be scary and unsettling making one unsure of themselves with this natural process and for good reasons. It takes courage.
So, what does the title of this article mean? Am I allergic to my own energetics? What if (and I love playing the "what if game"), ones' own energy is too big for their physical body and they experience symptoms such as anxiety, depression, a feeling of walking alongside the self, neurological or nervous issues that create what the medical industry established as a degenerative brain issues such as MS or Fibromyalgia, cognitive issues, blood disorders, heart problems, auto-immune problems… the list goes on. One's consciousness may be ready to let the energy serve in ways that they were unwilling to allow before, but the physical body may not be ready to handle the energetic surges that come with this rapid change.
When I work with my clients I use a couple of techniques that came to me over time from an inter-dimensional knowing, and it's using sound (music frequency & vibrations), and what I call "color coding".
For instance, the sound healing part is pretty much understood by most people. Simply, singing a tone/frequency over the physical body or using a mantra that carries a certain vibration (Abracadabra is an Arabic word meaning "I create as I speak") that moves beyond the atomic level and re-adjusts the DNA and cellular structure. With the other technique (which works well in-person and long distance), "color coding" is a way to move the frequencies that reside in certain parts of the body that don't necessarily belong there. For instance, people generally contact me through email or messenger and ask me if I can provide some healing assistance for their issue, and these problems can range from A-Z. One example to bring up here, is they may feel that an outside entity has taken up residence inside of them and they experience repeated nightmares, negativity, or they just don't feel present all the way in their body (also known as a possession from a Shamanic standpoint). I begin to ask them where they sense this in their body, and then they respond by telling me it's in their heart and throat. I then tell them to take three good deep breaths in and out (let the out breath fall naturally, and it helps by saying the vowel sound "ah", it just feels good and helps clear a little stress or anxiety they may be feeling). Then when they are ready, I ask what colors they see in those areas, starting with the first location. It may be a color, texture, feeling, etc. but generally they see a certain color or two. I suggest moving the color to where it resides naturally in the body (those of you unfamiliar with this, the physical body has an aura surrounding it and is a rainbow of colors starting at the feet and moves to the head, i.e. Red, orange, yellow, green, blue, indigo or purple, and white). So, for instance if they are seeing brown/red, or even black, and green in the heart area I suggest moving the colors brown/red to below the waste area (this is the root chakra and is red in color when healthy). When they feel they have done this successfully, we move to the other area where they feel the stuck energy is residing, in this case is the throat. They may see some blue, or yellow, perhaps other colors, and then I work with them to move those colors to the areas of the body where they belong (keeping the blue in the throat area which is the natural color frequency of that area and the arms, communication). I ask them to go back to the heart and if they don't' see any other colors besides green or even magenta, we then go back to the throat. If they still see colors there, besides the ones that belong, we continue to move the other colors to the appropriate areas. Again, going back to the throat checking to see what resides there. After I feel confident they completed this process, I ask them how they are feeling at this point. Generally, they respond with a good feeling. We have succeeded at moving the frequencies to where they belong and attuned the aura surrounding the physical body. We have replaced the displaced energetics that was causing the symptoms or discomfort. Again, this is just an example of one person's experience. Everyone has their own visualization during this process.
So, instead of going to the doctor or feeling that there is something major going on, I highly recommend spending some time with me and you will see from first hand experience that this type of metaphysical healing works, and will also save you much heartache, time, and money. You may just be bringing higher frequencies in faster than your body is equipped for.
Visit my healing page at: www.murielshickman.com/healing-services.
Leave a Reply.
Blog/Musings by Muriel Shickman
If you are enjoying these entries and would like to show your appreciation, visit this donation link through Paypal. Thank you for your generous contribution!
March 2020


text:
A little while ago, there was some Gallup research, which amongst other things suggested that the corporate world is appallingly bad at capitalizing on the strengths of its people.
Why would that be? Considering that for many organisations people costs are one of the largest lines of expense, you would think that employers would spare no effort to obtain maximum leverage from the skills and potential of their key staff.
Further, it is not uncommon that you see the promotion of an individual with impressive technical achievements into a role that requires a high degree of people skills to stand any chance of success. Yet these individuals are often left to their own devices to sink or swim. Why would employers set these senior managers up to fail?
Enter executive coaching.
Typically our careers begin in technical or professional roles in which we are personally accountable for our results and achievements through the application of our own expertise. As we progress and expand the scope of our responsibilities, we will inevitably become involved in leading and managing people. This means managing performance, providing feedback, resolving conflict, managing issues, and having those 'difficult conversations'.
And all of this tempered by a balanced sensitivity to external vs internal issues: i.e., strategies, priorities, tangible results (external) melded with values, good cultural practice and purpose (internal).
Coaching then becomes an essential component of the skill-building needed to achieve this upward transition. And coaching happens from the inside out. Self-awareness, emotional intelligence, authenticity, humility and open-mindedness become essential acquired qualities – the 'ambidextrous leader'.
An executive coach, supporting from arm's length and with a total lack of bias becomes the essential catalyst to making this journey. A good brief properly scoped and with outcomes mutually agreed and understood, becomes the cornerstone of effective coaching.
To quote from a recent Towers Perrin engagement survey:
"Ironically, the view that leaders need to be ambidextrous is not new. In a 1924 book, Creative Leadership, author Mary Parker Follett summed up the total leadership experience with these simple and powerful words: 'Leadership is not defined by the exercise of power, but by the capacity to increase the sense of power among those who are led. The most essential work of the leader is to create more leaders.'"
Posted by Bob Pierce
Coming next: Coaching for Change


text:
Finally!! It was frustrating but I finally have Texas plates for my KIA and T@B. I think that makes me–officially–a Texas resident.
(Slightly under $400.00 to get licensed. To be specific: $399.75.)
Around Rainbow's End Escapee RV Park, folks talk about "Hanging up the keys" when they give up traveling. So I am adopting the expression to say "I'm hanging up my apron." ~~ It's 7:25 PM and I finished my last shift (in the CARE kitchen) about twelve minutes ago. ~~ I'm beginning a brand-new lifestyle for 2014.
Postscript, Monday, December 30, 2013, 12 noon: Last night, I went to bed shortly after 9; I did not awaken until 8:34 this morning. To say I was (am) "bone weary" is an understatement! (I need a "boost.")
Long story (I'm not sure you want all the details). I had just returned from a trip to public scales to have the T@B weighed. Texas wants weight certification or picture of the "tag inside the door." Because my T@B came from Germany, there is no "tag inside the door." ~~ On my first visit to the Dept. of Motor Vehicles, I encountered numerous problems attempting to register the T@B. The clerk rejected the inspection paperwork, demanded weight, wants to see the title, etc., etc. Why? Because the T@B, from Germany, was titled–in Indiana–as a "home" (home made) trailer. The VIN (vehicle identification) number was issued in Indiana and inscribed on the tongue. ~~ Yesterday, I was able to register the KIA. Then I drove to the inspection station and asked if they could write new paperwork so the trailer inspection information corresponds to details on the title. "Yes."
With the appropriate paperwork, the next challenge was weight. I unloaded several items (including two plastic containers full of clothes), hitched the KIA and T@B and drove to a place with "public scales." The owner said they have never received a complaint about their non-certified documentation. (Lord knows how far I would need to drive to find a truck station with scales.) The original advertisement for the 2004 T@B says unladen weight is 1250 pounds. My laden weight was 1720. **If** I had off-loaded the composting toilet, and drained the five gallon water tank, I might have lightened the load by 100 pounds. I doubt the license fee would be much lower if the weight was lower.
Back at CARE, I moved to the new site. I shifted things from the former site to the new site. I borrowed a broom and swept the patio and sidewalk. Here I am, twenty-four hours later, the vehicles are still hitched. If all goes well, I should be able to get the trailer licensed on Monday. It's Friday; I'm actually "on call" and therefore on duty (with a few minutes to compose this message). When I have time (and energy) I'll unhitch the vehicles.
There is a delay with delivery of my new (used) 5th-wheel trailer. I'm going to be extremely patient because it is well worth waiting for!! Minutes (or hours) prior to its delivery, I'll move the T@B to the grassy area adjacent to my site.
My personal possessions will be delivered–from North Carolina–about the middle of January.
I officially become a "resident" of CARE on January first (but my picture is already on the board).
This will be my most enjoyable Christmas in decades!! There is no pleasure celebrating all alone; the holiday is commercially geared for families. It's 8:45 AM and there are twenty people in the dining room enjoying breakfast–and socializing. We expect 80 to 85 for Christmas dinner. The dining room will be the center of lots of activity today.
Maybe one of the coldest nights of the year. Thick frost everywhere!! I made the mistake (earlier this morning) of having the small electric heater on AND the electric hot plate to heat water for coffee. It blew a fuse!! Later today (mid-afternoon) I'll have to move my unique composting toilet, and unload the closet to get to the fuse box. (Picture taken yesterday through front window of my T@B trailer.)
Postscript, Friday, December 27, 2013, 4:30 PM: I was blessed with a couple of hours of sunshine, and warmth, mid-afternoon Christmas Day (between meals). I managed to restore electricity BUT found I had lots of mold in lower kitchen cabinets. Whew, what a big job that was!! Remove items, sit on the floor and maneuver into uncomfortable positions, and scrub away the mold. Then I positioned the little electric heater so it would dry out the cabinet. Later replace items. ~~ Too much exercise; too many gymnastics!!
You are about to program your TRACFONE.
After following the steps below, and your TRACFONE display indicates "CODE ACCEPTED"you MUST click the "Code Accepted" button on the computer screen below for your phone to be properly programmed.
8931 7599 1742 9137
2892 9851 5166 0711 1201 6736 7288
1795 5228 0707 1032
3341 8785 5025 873
6860 1152 6972 8887 2852 8506 8540
7752 0137 7263 1202 3296 504
|Code Accepted
|Invalid Code
Comment: I received an LG 236C cell phone. They are selling for $19.99–or less. Rhetorical question: In the interest of "good will" for a longtime customer, why didn't they send that phone five weeks ago??
Postscript, several days later: In my humble opinion, the height of ignorance; I missed the call and it went to voice mail. Heather phoned to ask if I received the phone. The fact that I did not have service apparently did not register with alledged "customer service." Remember, no reception with the old phone. If I had not received–and activated–the new phone, I wouldn't know she called. Obviously it never occurred to her to call my land-line contact number or send an email message.
After my TracFone Nightmare, a Jitterbug phone was–by necessity–my next purchase. It works on Verizon networks. Folks using Verizon phones–here at CARE and the RV Park–are very happy.
It was absolutely, positively necessary for me to have a cell phone for my volunteer responsibilities!! Our Facility Director (Administrator) wants all the residents to have a Jitterbug phone with "Five-Star" service.
Gospel truth: Activation of my Jitterbug phone (on-line) was very simple and took less than one hour. After activation, I did not read the manual; I relied on previous experience to set-up. I could not figure out how to get the phone off vibrate so it would ring. I called Customer Service and immediately had a bona-fide, warm-blooded, English-speaking representative. She knew (knows) her product and quickly provided the answer. ("When all else fails, read the manual.") ~~ I affirmed her repeatedly for prompt and thorough service. I shared with her my "TracFone nightmare."
Comment: For obvious reasons, I did not publish this message until my TracFone was finally activated. If representatives at (and for) TracFone knew I had a working cell phone they might have prolonged my agony?! ~~ I did not want to sacrifice 1800 minutes (thirty hours) and service until May 30, 2015.
Be sure to read TracFone Nightmare, TracFone Nightmare–Part Two, TracFone Nightmare–Part Three, and TracFone Sleuth.
On Mon, Dec 16, 2013 at 4:08 PM, Heather Johnson <email@example.com> wrote:
Good Afternoon Ms. Edwards,
We would like to send you a new sim card, please verify your address. We have two address on file.
Heather D. Johnson
Executive Resolution Specialist
Tracfone Wireless Inc.
1.800.876.5753. Ext: 6128
From: Lorraine Edwards [mailto:firstname.lastname@example.com]
Sent: Monday, December 16, 2013 5:48 PM
To: Heather Johnson
Subject: Re: TracFone Wireless
Heather, a very sincere THANK YOU !!
Lorraine Edwards
155 Care Center Drive
Livingston, TX 77351
Dec. 17, 2013, 11:44 AM
I will be sending you a card today via FedEx and you will receive it tomorrow.
Dec 17, 2013, 12:14 PM
Heather Johnson
True story: Heather had not read my blog!! The SIM card arrived…; I called…. My first question: "Heather will this SIM card pick up a signal from a Verizon tower?" I continued by saying "It will be a waste of our time to install the new card if I can't access Verizon." ~~ Heather said "You have service…." ~~ "If you'd read my blog, you'd know there is service in Livingston but not six miles out in the country."
To her credit, Heather was very pleasant. She said she would send me a CDMA phone and mentioned one model by name and said "It has tiny keys." I said I'm so desperate to have service I'd take whatever CDMA was available. I added "I'm almost 79 and it might be difficult but better than no service at all." ~~ Heather said "Oh, this won't do at all. May I call you back later? I'll check the stockroom to see what we have." ~~ She called to tell me a new phone would be coming "overnight" via FedEx. (She had the CARE Center land-line phone number.)
Looks like Heather, or someone, visited my blog (see copy from my StatCounter). ~~ Again, contact from the Philippines. ~~ Headquarters in Florida??
|Philippine Long Distance Telephone (220.127.116.11) [Label IP Address] 0 returning visits
|Philippine, Benguet, Philippines
|18 Dec
|18 Dec
The phone arrived this morning–Thursday, December 19, 2013. (An LG 236C.) I followed instructions on the package: insert battery, charge the phone, etc. Then I called Heather's number and was told her hours are 8 until 5 Eastern Standard Time. I said "It's only 4 o'clock there; 3 o'clock here." The operator said "She is not available. Her hours are 8 until 5." (Like a broken record, a voice with an undetermined accent.) ~~ I attempted to "activate" via the TracFone website but the process must happen from my "active" phone to my new phone. IMPOSSIBLE!! I don't have service!!
Some progress. Waiting for actual activation. Below is information copied from the computer screen.
Today is Friday, Dec. 20th; cell phone arrived Saturday, Nov. 9th.


text:
English PEN is pleased to present six books by European authors, recommended by literary translators, which have not yet been acquired for English-language publication. This list includes literary sci-fi, deeply moving historical fiction, contemporary poetry, YA fiction and a laugh-out-loud campus novel, and gives a glimpse into the exciting literature coming out of Europe in the 21st century. This is the first list of English PEN's new PEN Presents initiative, launched in 2015.
PEN Presents… Europe has been developed in partnership with EUNIC (European Union National Institutes for Culture) London and the Czech Centre. The translators who championed the books (and produced the high-quality sample translations) took part in a celebratory event at London's Free Word Centre in June as part of the 2016 European Literature Festival.
Future rounds of 'PEN Presents' aim to travel to Asia, Africa and the Americas. So watch this space… but for now, welcome to Europe!
Our PEN Presents… Europe catalogue is available to read and download below.
A note for publishers: The translators are not formally attached to the books, and have received awards of £250 each for their work. Their biographies are included in the catalogue for your interest; if you would like to approach one of them for a project please do contact firstname.lastname@example.com.
Winning books – details
The Long Nights of Anna Alrutz by Ilva Fabiani
Original title: Le lunghe notti di Anna Alrutz
Language: Italian
Length: 252 pages
Genre: Literary fiction
Original publisher: Feltrinelli, 2014
Rights holder: Feltrinelli
Other languages sold: n/a
Cellar Child by Kristien Dieltiens
Original title: Kelderkind
Language: Dutch
Length: 485 pages
Genre: Young adult crossover
Original publisher: De Eenhoorn, 2012
Rights holder: De Eenhoorn
Other languages sold: Danish and German
A Brief Respite by Antonio Orejudo
Original title: Un momento de descanso
Language: Spanish
Length: 248 pages
Genre: Literary fiction
Original publisher: Tusquets Editores, 2011
Rights holder: Tusquets Editores
Other languages sold: n/a
Thick of It by Ulrike Almut Sandig
Original title: Dickicht
Language: German
Length: 80 pages
Genre: Poetry
Original publisher: Schöffling & Co, 2011
Rights holder: Schöffling & Co
Other languages sold: n/a
Children of War by Ahmet Yorulmaz
Original title: Savaşın Çocukları
Language: Turkish
Length: 143 pages
Genre: Literary fiction
Original publisher: Remzi Kitabevi, 1997
Rights holder: Onk Agency
Other languages sold: Greek and Albanian
A Taste for Immortality by Catherine Dufour
Original title: Le goût de l'immortalité
Language: French
Length: 249 pages
Genre: Literary science-fiction
Original publisher: Les Éditions Mnémos, 2005
Rights holder: Mon Agent et Companie
Other languages sold: n/a


text:
Try our Repayment Calculator
This calculator is designed to calculate how much you will repay in total on your debts over the course of the loan and how long it will take you to repay the debt. Particularly useful when trying to understand your credit cards and why the balance never seems to go down. Enter the balance of your debt, the monthly repayment and the interest rate (personal loans average approx 15%, credit cards average approx 18.5%).
Click on a debt type and enter your details:
Current Debt:
Current Payment: per Mth
Under your current situation you'll pay with paid in interest over
Repayment Timeline
Disclaimer: This calculator is provided for information service only and does not constitute financial advice. None of the information provided takes into account your personal objectives, financial situation or needs. You must determine whether the information is appropriate in terms of your particular circumstances. For financial advice which takes account of your particular objectives, financial situation or needs, you should consider seeking independent financial advice before entering into bankruptcy, debt agreements, debt consolidation loans, personal insolvency agreements, financial hardship or remaining with your current creditors.


text:
Media Photos
.Phone: 604-379-5936
[email protected]
Out of the Darkness, into the Light
Early Years
I was born in Vancouver, BC, Canada on September 28, 1962. I am the youngest of five children: Allan, Don, Lorraine, David (R.I.P. 1987) and me. My earliest memories are of feeling a lot of love, warmth and excitement. As time went on I recall a number of tense times when my older siblings would fight. I was quite shy as a young boy. I was baptized in St. Jude's Church in Vancouver as an infant. As a young child, I recall taking the baby Jesus out of his crib from our Nativity scene, holding him in my hands and kissing him. I loved Jesus with a simple, pure love that I learned from my parents. My mother used to kneel down to pray with me every night.
David Landers
I attended St. Francis de Sales elementary school in Burnaby. I enjoyed going to the school masses and singing songs with all the other children. I grew up to love adventure! Once, I got my brother Al to shoot at with his rifle while I stood behind the tree so I could hear the bullet go by! We used to go to the shooting range quite often, blasting away at paper targets, tin cans and other objects. My brother Al (Allan) was an expert marksman with many awards for shooting. I came to be also an execellent shooter and could pick off a target from hundreds of yards away.
I remember when I was in elementary school, probably around grade 5 or so, watching a video on the life of Padre Pio, the famous stigmatist-priest from Italy, who, like St. Francis of Assisi, bore the wounds of Christ on his hands, feet and side for over 50 years. He was a member of the Capuchin order (Franciscans): Ofm Cap. I remember this video really having a powerful impression on me and made me think of being in God's service when I grew up. Soon, however, my passion for rock and roll completely overshadowed any spiritual goals, at this was the time of Beatlemania, the Rolling Stones, etc., and I was more often exposed to their music, publicity photos all over my sister's walls (which one of my brothers subsequently drew mustaches on each of the Beatles, much to my sisters's horror!).
While in school, I learned how to play the electric guitar -- and dreamed of becoming a rock star. I was greatly influenced by my brother David, in his choice of music and long hair. Black Sabbath, Vol IV was the first album I ever bought and I listened to it all the time and knew it by heart. I even brought it one day to "show and tell" along with my stereo and cranked up Ozzy and the boys, much to the horror of my elementary school teacher! (Other kids were bringing "nice" things like dolls, toys, etc... I also won the "longest hair for a boy" in school as well, which I was very proud of!
The first guitar I owned
(With my dad)
One day, my brother Don took me to see The Exorcist. It made me so fearful of the devil that I could hardly sleep for a long time. But I slowly became fascinated with Satan. I admired his power, and wanted to enjoy a wild lifestyle.
Sold on Satan. In grade seven, I gave my soul to Satan. I was fully aware of what I was doing. I figured that since I enjoyed doing bad things, I might as well join the devil's team. I began to take an interest in the occult -- using tarot cards, a ouija board and a mask of Satan. I painted my walls dark red and my ceiling black; I posted a picture of Satan with horns, a pitchfork and a wicked grimace.
High School and Beyond
When I entered St. Thomas More High School, I played with a band. Those were the days of wild weekend parties and lots of drinking. Once, arriving home from a wild party, I looked in the mirror -- and my face was bloodied, my hair a mess and my clothing filthy. Instantly, I thought about the sufferings of Jesus, even though I was not in a loving relationship with him at the time. My older brother David was a huge influence on my musical tastes: he introduced me to Led Zepplin and the rest was history. I had a poster of Robert Plant on my wall and grew my hair long like his, dressed like him, sang like him, etc. and then got into Black Sabbath in a huge way as well as Alice Cooper. Kiss was the first rock concert I ever went to. I was in the late 70's at the Pacific Colisieum and I recall the crowds of teens banging violently against the stadium doors.
I was blown away by the sound, the lights, the special effects, the real fire explosions (you could feel the heat hundreds of feet away), the stage blood, the breathing fire by Gene Simmons, etc. and I was hooked! All I wanted to do was do what they were doing: be a rock star and totally rock the world! At the time I did believe in God and went to church every Sunday, but really didn't care at all about religion and I never prayed. I was just taking up space in church. Sometimes I bugged the people there by making noise, talking and even throwing pieces of paper over the balcony to try to land them on peoples' heads below! I must admit, that was a lot of fun!
Dave, my brother, was a great singer and he reminded me of Robert Plant. He sang with the band that became DOA, the pioneer punk band from Canada. I met Joey Keithly recently and we talked about the days they used to rehearse outside our home. Once the cops came because they were too loud. Some of my friends used to sniff gas but I never got into that because I thought it was a stupid thing to do. For Halloween, however, I did put gas into a glass spray can that used to have hair spray in it, and went around with a lighter shooting 5 foot flames around Burnaby, which was a potentially deadly thing to do! Fortunately, I didn't blow up or set myself on fire.
I quit Catholic school because the principal was bugging me about my long hair and most of my friends had left for public school because there were girls there, and there was none at STM. I had a real knack of mimicking our teachers to a STM. My friends laughed their heads off at my impressions of our teachers. I was kicked out of school for a day becuase I refused to cut my hair: I just put it up in curlers to trick them into thinking it was short, but it rained out and it went long again and the principle got mad at me and sent me home! We had some good bands for concerts like Amy Cannon and a bunch of other acts. So, I went to Burnaby South High School for grade 12. I joined the progresive rock band Tom Foolery. We were a trio, very much like Rush, and our drummer, Phil Haslip, was amazing and could play like no other drummer I had met before. Steve Jensen was on guitar and was very creative in his style and I was on bass and shared lead vocals with Phil. The photo at the top of my testimony is one Steve sent me recently of me playing guitar at his place in Burnaby.
With Steve Jensen in Tom Foolery
After graduating, I went on the road with a rock band named Roxcity. We were loud, heavy and loved to party. Once, after a gig, I watched a TV movie about the life of Jesus. It caused me to think about my spiritual life briefly. God was planting a seed.
I quit Roxcity while on the road, as I was getting worn out with the wild lifestyle. I joined another couple of musicians, to form Tyranny. The name aptly describes what life was like in the band. It was a progressive rock trio with a drummer, guitarist and myself on bass, vocals and keyboards, as well as acoustic guitar. In that band, though, I did start writing songs and lyrics that were expressing a searching for meaning, like "Questions in My Mind:" "What makes the stars shine and the earth spin? What makes a man think he is real?" I shut the band down after doing only one live show with them, because I was restless and unhappy and I began to search for a purpose in my life.
One day, an unusual thought came to me: I realized that I had not lived as a Christian should -- and I felt guilty. I continued to search for something to make my life meaningful. I slowly began to believe God must have something to do with these feelings.
Prodigal son Gets Tired of the Pig Sty!
One day in May, 1982 I was mowing our front lawn. At one point, I sensed a strong presence -- the presence of Jesus. I stopped the mower, and listened interiorly. An image of Jesus knocking at a door appeared in my mind, and I heard Jesus saying to me: "Peter, I am what you have been searching for. Open your heart to me and I will give you peace and a new life." I explained to the Lord that I was like the prodigal son -- but that if he wanted me to, I would open my heart to him. So I prayed, giving my life to Jesus, accepting him as Lord and Saviour, and expressing sorrow for all my sins.
As soon as this prayer was finished, I felt a great weight lifted off me; the power of the Holy Spirit filled me with joy, peace and love. I finished the lawn, and went inside. My mother noticed a change in me, and I said something to her about Jesus. Shortly after, I went to Confession. I was welcomed by the pastor, who heard all my sins. He encouraged me by saying that, even though I had not paid much attention to Jesus all these years, the Lord had never abandoned me. I felt such a spiritual burden being taken away. I walked out of that church feeling like a new man.
From that point on, I wanted to please God. I began to participate actively in church, and eventually began attending daily services. I loved to pray after having just received Jesus in Communion. My life was transformed in ways I could hardly believe. I was filled with a joy I had never known before, and a burning desire to share Jesus with everyone. I had a deep hunger for God,and loved to begin the day with quiet prayer, reading the Bible and the lives of the saints. I read about the life of St. Clare and how she had all of her beautiful long blonde hair cut off when she decided to follow the way of life that St. Francis of Assisi had embraced, so I took a pair of scissors and cut off all my long hair. I stuck it in a glass box, thinking, at the time, that if I ever became a canonized saint it would be a neat relic, because I saw that they had a box of some of St. Clare's hair! It was a real hack job but it did the trick: I made the change: I felt like a new man both interiorly and exteriorly. For me, my long hair had been a kind of symbol of my dreams of rock star fame. The new short hair was a symbol of giving myself to Christ and rejecting the lure of sin and the world. I walked around Burnaby to see what it felt like to have short hair (I had long hair constantly since about grade 5!)
Praying in a church in Rome
I helped to start a youth group in my church with friends. Since that time I was involved in many kinds of ministries in the church and travelled on pilgrimages to Israel, Rome, Assisi, England, Medjugorje, Mexico, USA and across Canada. I went to the first World Youth Day in Rome. I released several Christian albums and have made three Christian music videos. I wrote a book on spiritual warfare called "Spiritual Weapons" which is available on this site for free as an e-book. Many more things could be shared but this is the main part of my testimony: how Jesus reached out to me back in 1982 and transformed my life forever. I confess that I certainly have not always followed Him as I should have and many times wandered away, but the merciful love of God brought me back to His life-giving presence again and again.
Today, many years later, I am still following Jesus and am now married to my wonderful wife Cyndie. Together we started the Missionaries of Merciful Love, a group that is decicated to living and spreading the merciful love of Jesus in the world. In 2004 I started the band Myztery www.myztery.net
With my wife Cyndie in our band Myztery.
Thank you for taking the time to read my testimony of how Jesus changed my life. Open your heart to him, ask him to cleanse you of yours sins, give your past, present and future to him. Trust in Him and ask God the Father to reveal His perfect will for your life. Be baptized by water and the Holy Spirit. Attend church every Sunday. Read the Word of God, especialy the Gospel according to John. No matter what darkness you have been in or may be in now, the light of Jesus is greater and more powerful! God loves you! God is merciful! Trust in Him!
Pete Mason


text:
It's the end of the year, and we're making our usual naughty and nice lists
So who's been naughty this year? We came up with a few ideas of our own...and then asked some of our friends on the backpacking message boards for help. We hope you don't yourself in any of these!
We have to start with Casey Knocket, the creepy girl that was proudly vandalizing every National Park she visited. We can only hope that she spends a lot of time cleaning something in jail...or would it be more appropriate if some other "aspiring artist": vandalized her home, car, or private "artwork" under the guise of doing something more than just vandalism? sheeesh.
Also on the list are those knuckleheads who think they are either too smart or too experienced to follow the regulations in the National Forests, and then end up starting massive wildfires. Seriously, we can't think of an appropriate punishment for someone who starts a fire like that. (This last year we saw someone cutting branches off a tree in the Emigrant Wilderness for his campfire. He knew this was wrong. We reminded him. He kept doing it. Grrrr.)
And then there are the nasty people who seem to think that their trash is somehow less offensive than everyone else's. That's the only reason we can imagine that we've found everything from toilet paper and tampons to tin cans and micro-trash throughout the Sierra. Please. You are welcome to be a complete slob in your own house, or in your car, but when you are visiting Mother Nature, please make sure that you clean up after yourself. We haven't done a hike in ten years without finding some trash on the trails. Yeah, we pick it up in most cases. If you'll give us your name and address, we'd be happy to mail it back to you.
Other nominations include:
>> A demerit badge to those Boy Scout leaders who toppled the rocks in Utah.
>> Establishing new campfire locations. Just to be clear: this is always illegal in National Parks and many other areas.
>> Leaving moose gut piles or fish remains near the trail in grizzly country.
>> Throwing rocks off a high point with no awareness or consideration of trails, hikers, climbers or fishers below.
>> People packing firearms who seem barely able to use a hiking stick.
>> The deer hunters who feel it is OK to leave their orange flags up and who leave their cans and other trash where they were sitting waiting for a deer to happen buy. Their scent packets also. Also the bird hunters who leave their shells behind. Note – not against hunting, just the few that are slobs.
>> Those people who backpack into a place with a large group of people just to get smashed and tell and vomit through the hole night. I am the guy who then wakes up at 6 and makes as much noise as possible to tear down my camp before starting for the day
>> Those people who arrive at an other-than-your-group empty back country camping area and choose to camp right next to you.
>> Intentional and unintentional arsonists, poachers, those who sneak their wheeled conveyances in where they don't belong, cattle, commercial packers.
>> The psuedo PCT wanabee hikers who bring shame on the program as well as embarrassing the true "long-distance" marvels. Hanging out/sponging, using/abusing trail-Angel generosity, leaving trash, no bear-cans...
>> Those entering any park via an auto who have to ask the kiosk Ranger questions better asked elsewhere, particularly when there is a long line of cars behind them...
And how can we leave out Mother Nature, with one of the toughest Sierra droughts on record. Come on, Mom. Have a heart.
Welcome to Backpack the Sierra > OUR BLOG >


text:
Parachute Free - Surviving Freefall
Earn points and avoid obstacles while in freefall with Parachute Free. This Android game belongs to the so-called jumping games category which includes such famous titles as Abduction!, Doodle Jump and NinJump. Now it's time to see how Parachute Free compares to the rest in today's test. Read on to find out what this game has to offer.
|Reviewed version
|Latest version
|Varies with device
Features & Use
If you're a fan of jumping games, there's no way around Abduction! (check out our Abduction test) or Doodle Jump. The idea behind Parachute Free is similar except instead of jumping up you are falling down.
The silly cow from Abduction! jumps from platform to platform, hoping to finally reach its space ship destination. Your goal is to avoid all the obstacles, collect all the goodies, and avoid falling – all done by tiling your phone.
In Parachute Free, you're put in the shoes of a parachute jumper trying desperately to land without any broken bones. Along your journey to the ground, you have to maneuver around platforms, shooting canons, spikes etc. Every collision will cost you points and perhaps even your life.
Make sure to collect the boxes marked with question marks along your prolonged fall. They are filled with goodies such as bonus points and other useful items that can accelerate your trajectory through the air.
The Parachute Free version of the game includes five different areas (Mountains, Jungle, Deser, Area 51, Space) with a total of 10 levels. You can add your collected points to the high score and compare your results with other players. This game offers separate levels geared towards kids and adults. In the kids mode, the levels are more simple and require less concentration.
For a game that's trying to compete with Abduction! and Doddle Jump, Parachute Free just doesn't make the cut. Abduction!, for instance, includes a ton of levels even in its free version. As far as the graphics are concerned, both Abduction and Doodle Jump look more detailed and stylish. Interested in a little more action? Then you should check out NinJump from BackFlip Studios. In any case, Parachute Free may be good enough to kill some time, but it can't really compete with the big shots. As a sidenote, Parachute's full version offers a total of 40 levels to play.
- 10 levels in the free version
- Different worlds
- Touching the sensor or trackpad button force closes the game
- Integrated ads
Screen & Controls
Detailed like in the Super Nintendo Days
Despite the overall cuteness and attention to detail, the overall choice of graphics looks a bit unprofessional and amateur. Parachute Free isn't a bad game, but other developers have already accomplished much better things with similar game concepts.
Move to the Left, Move to the Right
You control your parachute jumper by tilting your Android device. This type of control is very intuitive and is a lot more phone than having to complete the level using a joystick. Tilting your phone forward slows down your fall, which gives you more time to avoid obstacles and collect bonus points.
Speed & Stability
Parachute Free runs without any speed problems. In the menu, the app unexpectedly quits every time you press the trackball or sensor button depending on your phone model. Otherwise, everything runs smoothly and reliably.
Price/Performance Ratio
The integrated ads don't get in the way of making a safe landing at the end of the level.
Parachute Free can be downloaded for free from the App Center or Android Market.


text:
Aromatic Soy Wax Candle
100% natural ingredients
Recyclable container
Our hand-poured soy wax candles are made of 100% natural ingredients and therapeutic-grade essential oils. The soy wax base ensures a clean, toxin-free burn. Carefully chosen aromatic blends will delight the nose and spirit.
Fragrance: Crisp, woody and sweet, the aromas of sage, juniper and cedar will cleanse your space, while the scent of lavender will calm and relax the mind.
Ingredients: Soy wax, essential oils of Salvia officinalis (sage), Juniperus communis (juniper), Lavandula intermedia var Grosse (lavandin), and Cedrus atlantica (cedarwood), dried Salvia officinalis (sage).
Directions: Trim wick to about 1/4 inch before lighting. Keep away from drafts, animals and small children.
Additional information
|.240 kg
|9 × 9 × 6 cm


text:
leggi in italiano »
Yesterday a new website called bridgebig.com was launched. Right from a first look of the site and especially after reading the 'about' section you realize that Bridge Big is doing something that the bridge world has never yet seen. The Dutch start-up company set their mission to 'spice up' online bridge and "make bridge the most exciting activity on the web".
These are quite ambitious plans but it seems that they are on the right track. Backed by Zia Mahmood, who joined the team as the platform ambassador, Bridge Big is planning to offer duplicate online bridge tournaments with significant prize money. They want to bring to bridge the same allure and 'coolness' that poker has today. Bridge Big is also planning to have a playing model similar to online poker, where each player 'buys into' a tournament and the best players of the tournament take home the money. Play on the site will always be individual and anonymous for security reasons. For more info on their long term plans you should check out their website bridgebig.com.
Currently the website is open to all players for beta testing. During the testing phase all play is for free. In the first few weeks of the beta there is simply one competition that players can join to win. At the end of each week Bridge Big will crown the three best players that collected the most IMPs. The main idea behind the beta testing is to create a platform that's ready for primetime. All in all the beta testing period will cover several months. Bridge Big is encouraging players to send feedback and remarks in order to improve the website.
It's early, but Bridge Big already feels like a fresh new wind in the bridge world. If the company can realize their ambitious plans, we all might be in for a new era of (online) bridge.
BridgeTopic's Jan van Cleeff tried a few hands and was quite impressed: "The interface is very user friendly. And though Bridge Big exists one day only I already found people to play with on a decent level. Can't wait to play for money!"
June 11, 2011


text:
Singapore Stocks To Watch :
The accompanying organizations saw new improvements which may influence the exchanging of their shares :
OUE Lippo Healthcare: The firm said on Thursday night that the consultation for the Crest substances' affable intrigue has been settled for a date between Aug 5 and 23 one year from now under the steady gaze of the Court of Appeal. Also, at a conference on Dec 24, the Court expelled the Crest substances' application to strike out the organization's activity against it. Thusly, the organization's case in that suit against the Crest substances and the Crest beneficiaries to set aside the closeout of the charged offers will keep on continuing.
Inventive Technology: Creative was questioned by the Singapore Exchange (SGX) on irregular offer value development on Thursday, after its offers tumbled toward the evening. The stock was down 52 Singapore pennies or around 13 percent to S$3.42 by 3.40pm, with SGX's inquiry coming in at 3.45pm. Reacting at 7.08pm, Creative said that it didn't know about whatever may clarify the irregular value developments, and affirmed its consistence with the posting rules.
Second Chance Properties: The mainboard-recorded firm observed its first-quarter net benefit dive 90 percent to S$218,000 for the three months finished Nov 30, 2018, contrasted with S$2.23 million for the year-back period. Contributing the most to the misfortune was the securities section, which detailed a S$0.95 million misfortune for Q1 2019, contrasted with a S$0.97 million benefit for Q1 2018.
Manulife US Reit: Manulife US Reit said on Thursday that it expects that the proposed new United States assess directions won't have any material effect on its solidified net substantial resources or conveyance per unit (DPU), in view of exhortation from its US charge consultants. It likewise expects extra assessment cost to be close to 1 percent of distributable pay before salary charge.
Keppel-KBS US Reit: Keppel-KBS US Reit likewise said it anticipates that the proposed US controls – and up and coming duty changes in Barbados where it has substances – won't have any material effect on its particular merged net unmistakable resources or DPU.
Download our Free Ebook on Singapore Stocks Market and also get best Singapore Stocks Tips from Experienced Analyst, Click here SGX Stock Tips
Increasingly foreign Reits liable to list in Singapore in 2019 as financial specialists look for safe houses: Credit Suisse
SINGAPORE'S value market could see more Reit postings in 2019 as outside posting premium grabs, couple with financial specialists' day of work to more secure shelters, said venture bank Credit Suisse.
Tan Kuan Ern, head of Singapore inclusion, speculation keeping money and capital markets, said the quantity of switch enquiries from remote patrons hoping to show US or European resources in Singapore has hopped to the most he has found over the most recent five years.
Truth be told, "it's to the point that we currently must be somewhat specific with respect to what we think will truly move, and what we figure financial specialists will need".
Mr Tan trusted backers' marking and dimension of name acknowledgment will be essential in speaking to speculators, who right now have a menu of 42 privately recorded Reits and property trusts to look over. Specifically, remote supporters who accomplice surely understood nearby elements can improve the situation, he stated, refering to the case of Keppel-KBS US Reit.
Customarily saw as more secure asylum resources, Reits saw a net inflow of S$28.1 million from institutional financial specialists in November, following two successive long periods of net outpourings, passing by Singapore Exchange information. What's more, all in all, they have a normal characteristic profit yield of 6.7 percent, as per the SGX information.
Credit Suisse is likewise positive on the neighborhood tech division, in a generally dull value capital market that will keep on observing tight windows for dealmaking one year from now, as worldwide markets stay unstable.
Mr Tan stated: "There's a great deal of guarantee in the tech space which is quickly developing and a genuine hotbed of movement that I haven't seen in numerous different spots. Finding the up and coming age (of business visionaries) is a major concentration for us since we need to back them to take their business to the following dimension."
Bonds – both US and Singapore dollar named – will likewise keep on observing hunger from speculators one year from now, however inclination has moved to venture review credit, given the present trip to security.
As indicated by Mr Tan, the market never again needs high return credit to come through: "Regardless of whether you're paying 8-9 percent, at any rate from a Singapore point of view, everybody will want to assume a top notch acknowledgment paying 4 percent than a low-quality credit paying 8-9 percent."
For instance, OCBC Bank, which set up a S$1 billion perpetrator bargain in August got a hot gathering, provoking the bank to fix the evaluating from the underlying value direction of 4.375 percent to a last estimating of 4 percent, as indicated by the bank. The last request book surpassed S$3 billion.
Temasek Holding's S$500 million retail bond, offering a yearly coupon of 2.7 percent, was likewise 6.2 occasions oversubscribed in October.


text: I am always the most thrilled when my clients love their images (this is what drives me and motivates me as a photographer) and I have had the pleasure of receiving many amazing reviews. It is also exciting to see my photos and the beautiful people I work with published in magazines, blogs and websites. Below are some of the places I have been published and the awards I have won for my images.


text:
The possibility to enhance the local refractive index sensitivity using plasmonic coupling between spherical gold nanoparticles (Au-NPs) has been investigated. A strong and distinct optical coupling between Au-NPs of various sizes was achieved by controlling the interparticle separation using a layer-by-layer assembly of polyelectrolytes. The frequency of the coupled plasmon peak could be tuned by varying either the particle size or the interparticle separation, shown both experimentally and by theoretical simulations. The bulk refractive index (RI) sensitivity for the plasmonic coupling modes was investigated and compared to the RI sensitivity of monolayers of well-separated Au-NPs, and the results clearly demonstrates that the RI sensitivity can be significantly enhanced in plasmonically coupled Au-NPs. The proposed approach is simple and scalable and improves the rather modest RI sensitivity of spherical gold nanoparticles with a factor of 3, providing a new route for fabrication of inexpensive sensors based on plasmonic nanostructures.
Funding Agencies|Link ping University; Swedish Research Council (VR); Swedish Foundation for Strategic Research (SSF); Knut and Alice Wallenberg Foundation (KAW); Center in Nano science and technology (CeNano); MINECO, Explora Project [MAT2011-12645-E]
In our modern society, we are surrounded by numerous sensors, constantly feeding us information about our physical environment. From small, wearable sensors that monitor our physiological status to large satellites orbiting around the earth, detecting global changes. Although, the performance of these sensors have been significantly improved during the last decades there is still a demand for faster and more reliable sensing systems with improved sensitivity and selectivity. The rapid progress in nanofabrication techniques has made a profound impact for the development of small, novel sensors that enables miniaturization and integration. A specific area where nanostructures are especially attractive is biochemical sensing, where the exceptional properties of nanomaterials can be utilized in order to detect and analyze biomolecular interactions.
The focus of this thesis is to investigate plasmonic nanoparticles composed of gold or silver and optimize their performance as signal transducers in optical biosensors. Metal nanoparticles exhibit unique optical properties due to excitation of localized surface plasmons, which makes them highly sensitive probes for detecting small, local changes in their surrounding environment, for instance the binding of a biomolecule to the nanoparticle surface. This is the basic principle behind nanoplasmonic sensing based on refractometric detection, a sensing scheme that offers real-time and label-free detection of molecular interactions.
This thesis shows that the sensitivity for detecting local refractive index changes is highly dependent on the geometry of the metal nanoparticles, their interaction with neighboring particles and their chemical composition and functionalization. An increased knowledge about how these parameters affects the sensitivity is essential when developing nanoplasmonic sensing devices with high performance based on metal nanoparticles.