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Safari Books Online is a digital library providing on-demand subscription access to thousands of learning resources.
Statistical Analysis: Microsoft® Excel® 2013
By: Conrad Carlberg
Publisher: Que
Publication Date: 03-APR-2014
Insert Date: 08-APR-2014
Slots: 1.0
Overview: Statistical Analysis: Microsoft® Excel® 2013
Use Excel 2013's statistical tools to transform your data into knowledge Conrad Carlberg shows how to use Excel 2013 to perform core statistical tasks every business professional, student, and researcher should master. Using real-world examples, Carlberg helps you choose the right technique for each problem and get the most out of Excel's statistical features, including recently introduced consistency functions. Along the way, he clarifies confusing statistical terminology and helps you avoid common mistakes. You'll learn how to use correlation and regression, analyze variance and...
Data Visualization For Dummies
By: Mico Yuk; Stephanie Diamond
Publisher: For Dummies
Publication Date: 21-JAN-2014
Insert Date: 26-MAR-2014
Slots: 1.0
Overview: Data Visualization For Dummies
A straightforward, full-color guide to showcasing data so your audience can see what you mean, not just read about it Big data is big news! Every company, industry, not-for-profit, and government agency wants and needs to analyze and leverage datasets that can quickly become ponderously large. Data visualization software enables different industries to present information in ways that are memorable and relevant to their mission. This full-color guide introduces you to a variety of ways to handle and synthesize data in much more interesting ways than mere columns and rows of...
Excel 2013 Power Programming with VBA
By: John Walkenbach
Publisher: John Wiley & Sons
Publication Date: 01-APR-2013
Insert Date: 26-MAR-2014
Slots: 1.0
Overview: Excel 2013 Power Programming with VBA
Maximize your Excel 2013 experience using VBA application development The new Excel 2013 boasts updated features, enhanced power, and new capabilities. Naturally, that means John Walkenbach returns with a new edition of his bestselling VBA Programming book and covers all the methods and tools you need to know in order to program with Excel. With this comprehensive guide, "Mr. Spreadsheet" shows you how to maximize your Excel experience using professional spreadsheet application development tips from his own personal bookshelf. Featuring a complete introduction to Visual Basic for...
By: Nicholas Terwoord
Publisher: Packt Publishing
Publication Date: 20-MAR-2014
Insert Date: 21-MAR-2014
Slots: 1.0
Overview: Highcharts Cookbook
Forensic Analytics: Methods and Techniques for Forensic Accounting Investigations
Publisher: John Wiley & Sons
Publication Date: 07-JUN-2011
Insert Date: 19-MAR-2014
Slots: 1.0
Overview: Forensic Analytics: Methods and Techniques for Forensic Accounting Investigations
Discover how to detect fraud, biases, or errors in your data using Access or Excel With over 300 images, Forensic Analytics reviews and shows how twenty substantive and rigorous tests can be used to detect fraud, errors, estimates, or biases in your data. For each test, the original data is shown with the steps needed to get to the final result. The tests range from high-level data overviews to assess the reasonableness of data, to highly focused tests that give small samples of highly suspicious transactions. These tests are relevant to your organization, whether small or large, for...
By: Isaac Newton
Publisher: Packt Publishing
Publication Date: 21-FEB-2014
Insert Date: 25-FEB-2014
Slots: 1.0
Overview: Minitab Cookbook
Over 110 practical recipes to explore the vast array of statistics in Minitab 17 Gain an in-depth understanding of data formatting in Minitab Understand the steps required to generate great results with tools like regression, ANOVA, and multivariate statistics Useful and practical recipes that cover examples from a broad range of topics in Minitab In Detail Minitab has been a statistical package of choice across all numerous sectors of industry including education and finance. Correctly using Minitab's statistical tools is an essential part of good decision making and...
Rapid Graphs with Tableau 8: The Original Guide for the Accidental Analyst
By: Stephen McDaniel; Eileen McDaniel, PhD
Publisher: Apress
Publication Date: 23-DEC-2013
Insert Date: 01-FEB-2014
Slots: 1.0
Overview: Rapid Graphs with Tableau 8: The Original Guide for the Accidental Analyst
Tired of boring spreadsheets and data overload from confusing graphs? Master the art of visualization with Rapid Graphs with Tableau 8! Tableau insiders Stephen and Eileen McDaniel expertly provide a hands-on case study approach and more than 225 illustrations that will teach you how to quickly explore and understand your data to make informed decisions in a wide variety of real-world situations. Rapid Graphs with Tableau 8 includes best practices of visual analytics for ideas on how to communicate your findings with audience-friendly graphs, tables and maps. "A picture is worth a...
Visualizing Information with Microsoft® Office Visio® 2007
By: David Parker
Publisher: McGraw-Hill Osborne Media
Publication Date: 26-APR-2007
Insert Date: 01-FEB-2014
Slots: 1.0
Overview: Visualizing Information with Microsoft® Office Visio® 2007
Create and distribute data-connected Microsoft Office Visio diagrams and reports Get full details on the powerful features of Microsoft Office Visio 2007 inside this comprehensive volume. Written by Visio expert David Parker, Visualizing Information with Microsoft Office Visio 2007 demonstrates how to effectively visualize, explore, and communicate complex business information. Learn to use PivotDiagrams, Data Graphics, and Smart Tags, as well as link data to shapes and create meaningful Visio documents and reports. Plus, you'll get vital security information, time-saving tips,...
Handbook of Research on Electronic Surveys and Measurements
By: Rodney Reynolds; Robert Woods; Jason Baker
Publisher: IGI Global
Publication Date: 30-SEP-2006
Insert Date: 18-JAN-2014
Slots: 1.0
Overview: Handbook of Research on Electronic Surveys and Measurements
The Handbook of Research on Electronic Surveys and Measurements is the comprehensive reference source for innovative knowledge on electronic surveys. This commanding handbook of research provides complete coverage of the challenges associated with the use of the Internet to develop online surveys, administer Web-based instruments, and conduct computer-mediated assessments. More than 50 renowned experts in the field of electronic surveys and measurements have provided 58 comprehensive chapters, and the publication contains over 950 references to additional publications. The Handbook of...
Microsoft Excel 2013 - Das Handbuch
By: Frank Arendt-Theilen; Dietmar Gieringer; Hildegard Hügemann; Eckehard Pfeifer; Dieter Schiecke; Helmut Schuster
Publisher: Microsoft Press Deutschland
Publication Date: 11-DEC-2013
Insert Date: 13-DEC-2013
Slots: 1.0
Overview: Microsoft Excel 2013 - Das Handbuch
Sie möchten Ihre Aufgaben mit Excel in der Version 2013 schneller und besser erledigen? Beispielsweise mit den Erleichterungen bei der Datenvisualisierung, beim Berechnen ohne Formel oder bei PivotTables? In diesem Handbuch erfahren Sie umfassend und leicht verständlich, wie das geht. Anhand von Beispieldateien können Sie Schritt für Schritt alle wichtigen Arbeitstechniken sofort nachvollziehen. Hilfreiche Übersichten erleichtern Ihnen das Verständnis. Profitipps helfen Ihnen, Zeit zu sparen. Außerdem finden Sie alles, was Sie wissen wollen, schnell und gezielt über die vielfältigen...
Publisher: For Dummies
Publication Date: 16-SEP-2013
Insert Date: 10-NOV-2013
Slots: 1.0
Overview: QuickBooks 2014 For Dummies
Take control of the books and keep your finances in the black with QuickBooks and For Dummies With over four million of his books in print, CPA and perennial bestselling For Dummies author Stephen L. Nelson knows how to make QuickBooks and basic accounting easy for the rest of us. Small business owners, managers, and employees: if you want to use QuickBooks for your business, the new edition of this annual bestseller is the best place to start. From setting up the software to creating invoices, recording and paying bills, tracking inventory, getting reports, and crunching numbers for tax...
Decision Analytics: Microsoft® Excel®
By: Conrad Carlberg
Publisher: Que
Publication Date: 05-NOV-2013
Insert Date: 02-NOV-2013
Slots: 1.0
Overview: Decision Analytics: Microsoft® Excel®
Crunch Big Data to optimize marketing and more! Overwhelmed by all the Big Data now available to you? Not sure what questions to ask or how to ask them? Using Microsoft Excel and proven decision analytics techniques, you can distill all that data into manageable sets—and use them to optimize a wide variety of business and investment decisions. In Decision Analytics: Microsoft Excel, best selling statistics expert and consultant Conrad Carlberg will show you how—hands-on and step-by-step. Carlberg guides you through using decision analytics to segment customers (or anything else)...
Reporting with Visual Studio and Crystal Reports
By: Mahmoud Elkoush
Publisher: Packt Publishing
Publication Date: 25-OCT-2013
Insert Date: 30-OCT-2013
Slots: 1.0
Overview: Reporting with Visual Studio and Crystal Reports
Create a reporting application from scratch using Visual Studio and Crystal Reports A step-by-step guide that goes beyond theory, letting you get hand-on experience Utilize a dataset and table adapter as data sources for your report Learn how to add reports to forms and pass parameters dynamically In Detail Reports are documents that present focused, salient content to a specific audience. Crystal Reports is a business intelligence application that will help you design and generate reports from a wide range of data sources. It helps you summarize a good deal of...
Microsoft® Excel® 2013 for the Business Analyst
By: Larry Rockoff
Publisher: Course Technology PTR
Publication Date: 17-OCT-2013
Insert Date: 30-OCT-2013
Slots: 1.0
Overview: Microsoft® Excel® 2013 for the Business Analyst
As one of the most popular software tools in the world, Microsoft Excel is used by business analysts across the globe to keep track of details, look deeply into the data that drives business, and provide managers with the information and insights they need to keep their companies moving forward. MICROSOFT EXCEL 2013 FOR THE BUSINESS ANALYST is an introduction to Excel, written by a business analyst for business analysts. While providing a general overview of the features and functions of Excel, the book places special emphasis on helping users in the task of data analysis. The book...
Microsoft Excel Pivot-Tabellen - Das Praxisbuch. Für Version 2010 und 2013
By: Helmut Schuster
Publisher: Microsoft Press Deutschland
Publication Date: 17-OCT-2013
Insert Date: 18-OCT-2013
Slots: 1.0
Overview: Microsoft Excel Pivot-Tabellen - Das Praxisbuch. Für Version 2010 und 2013
Das Buch zeigt, wie Excel-Anwender mit Vorkenntnissen bei ihrer täglichen Arbeit von der Datenanalyse mit PivotTables profitieren können....
By: Paul McFedries
Publisher: Visual
Publication Date: 25-MAR-2013
Insert Date: 08-OCT-2013
Slots: 1.0
Overview: Excel 2013 Simplified
A friendly, visual approach to learning the basics of Excel 2013 As the world's leading spreadsheet program, Excel is a spreadsheet and data analysis tool that is part of the Microsoft Office suite. The new Excel 2013 includes new features and functionalities that require users of older versions to re-learn the application. However, whether you're switching from an earlier version or learning Excel for the first time, this easy-to-follow visual guide gets you going with Excel 2013 quickly and easily. Numbered steps as well as full-color screen shots, concise information, and helpful...
Microsoft Excel 2013: Data Analysis and Business Modeling
By: Wayne L. Winston
Publisher: Microsoft Press
Publication Date: 09-JAN-2014
Insert Date: 04-OCT-2013
Slots: 1.0
Overview: Microsoft Excel 2013: Data Analysis and Business Modeling
Master business modeling and analysis techniques with Microsoft Excel 2013, and transform data into bottom-line results. Written by award-winning educator Wayne Winston, this hands-on, scenario-focused guide shows you how to use the latest Excel tools to integrate data from multiple tables—and how to effectively build a relational data source inside an Excel workbook....
Mastering Financial Modeling: A Professional's Guide to Building Financial Models in Excel
By: Eric Soubeiga
Publisher: McGraw-Hill
Publication Date: 25-JUN-2013
Insert Date: 04-OCT-2013
Slots: 1.0
Overview: Mastering Financial Modeling: A Professional's Guide to Building Financial Models in Excel
All the precision of financial modeling-and none of the complexityEvidence-based decision making is only as good as the external evidence on which it is based. Financial models uncover potential risks on a company's balance sheet, but the complexity of these instruments has limited their effectiveness. ...
Network Graph Analysis and Visualization with Gephi
By: Ken Cherven;
Publisher: Packt Publishing
Publication Date: 24-SEP-2013
Insert Date: 03-OCT-2013
Slots: 1.0
Overview: Network Graph Analysis and Visualization with Gephi
Visualize and analyze your data swiftly using dynamic network graphs built with Gephi Use your own data to create network graphs displaying complex relationships between several types of data elements Learn about nodes and edges, and customize your graphs using size, color, and weight attributes Filter your graphs to focus on the key information you need to see and publish your network graphs to the Web In Detail Gephi is an interactive visualization and exploration platform for all kinds of networks and complex systems. Social media data has helped to drive network...
By: Anita Graser;
Publisher: Packt Publishing
Publication Date: 17-SEP-2013
Insert Date: 01-OCT-2013
Slots: 1.0
Overview: Learning QGIS 2.0
Use QGIS to create great maps and perform the all the geoprocessing tasks you need Load and visualize vector and raster data Create and edit spatial data and perform spatial analysis Construct great maps and print them In DetailQGIS is a user friendly open source geographic information system (GIS) that runs on Linux, Unix, Mac OSX, and Windows. The popularity of open source geographic information systems and QGIS in particular has been growing rapidly over the last few years. More and more companies and institutions are adopting QGIS and even switching to QGIS as their...


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More Recipe Collections
(4 Recipes) Created by NANCYSGARDENS
Recipes in this Collection
These tasty roasted vegetables can be cooked on the grill or roasted in the oven! The pineapple adds a wonderful sweetness to the vegetables.
Submitted by HONEYLEA
Carbs: 17g | Fat: 7.2g | Fiber: 2.8g | Protein: 2.3g | Calories: 136.5
These calzones can be made from start to finish on the backyard grill. You'll love the rich and creamy filling!
Submitted by CHEF_MEG
Carbs: 40.4g | Fat: 2.8g | Fiber: 6.4g | Protein: 11g | Calories: 239.9
This sauce is great on grilled meats, and it makes enough for two meals. Try it on cooked pasta or roasted vegetables.
Submitted by CHEF_MEG
Carbs: 2.3g | Fat: 6.9g | Fiber: 0.8g | Protein: 0.5g | Calories: 68.1
Cookbook creator says: Recipe calls for using the oven, but this would be a good one to try on the grill.
Submitted by CHEF_MEG
Carbs: 31.6g | Fat: 3.5g | Fiber: 3.6g | Protein: 4.8g | Calories: 153
Send this recipe collection to a friend - http://recipes.sparkpeople.com/cookbooks.asp?cookbook=565278

subset: commoncrawl


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Debbie Clark ReviewsDebbie Clark
Buyer's Agent, Listing Agent, Foreclosure, Short-Sale
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02/07/2013 - user6951568
Bought a home in 2012.
We did not know which county we wanted to live in since we were new to KY and Debbie was very helpful. Took us to every single place we wanted to see and drove thousands of miles until we found our home. Very knowledgable about the purchase process and what to expect, gave us some pointers so we didn't get ourselves into trouble and was willing to go the extra mile to help us with everything. Love her and would highly recommend her to anyone looking for a home.
Response from Debbie
09/12/2012 - user7207238
Bought a home in 2010.
Debbie helped me through buying my first home and provided excellent service. The process was complicated by extra documentation requirements for a home buying program I was going through, surprises on home inspections, mistakes at the city level and other circumstances neither of us could control. Through all of that, Debbie stuck with me, guided me through the process and kept me reassured that I would get my home. The process took quite some time (because of those external factors) and we had to deal with multiple properties before we found the perfect one, but Debbie never got impatient, continued to provide the highest level of service and expedited the process whenever she could. Best of all, she was so kind and helpful to a first time home-buyer; she laid my fears to rest at every turn, and I really felt that she was on my side. I love the house that Debbie helped me buy, but if I ever leave it, I'll contact her again for the next one!
Response from Debbie
09/10/2012 - user9040120
Bought a home in 2012.
My husband and I lucked into finding Debbie during our house hunting. She was the realtor on the first house that caught our eye, and showed us that house. That house didn't work out, and despite me knowing many other realtors, we decided to give Debbie a call and have her show us some others. She'd been very helpful in the first process, and I decided when buying a house, I just wanted to keep friends out of the scenario. Debbie arranged for us to see about 10 houses that next day, and got it together in a relatively short amount of time. She was very helpful with getting everything together and pointing out things to look for. All in all, we looked at about 15 houses with Debbie, before we found our diamond in the rough. But we found it, and with her help and that of the mortgage company, we were able to make an offer, close, and be moved in within one month. It honestly couldn't have gone more smoothly. It was a great experience, and I would highly recommend having Debbie help you find your dream home!
Response from Debbie


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Lenovo ThinkPad X1 Carbon Ultrabook
The World's Lightest 14" Business-Class Ultrabook
A fully loaded business Ultrabook inspired by Intel, the ultra-slim ThinkPad X1 Carbon weighs in at less than 3 lbs and is just .74 inches thin (or 18.8 mm) -- that's thinner than the diameter of a penny. Yet it's packed with premium features and designed with durability in mind.
Outstanding Multimedia and Communications Tools.
14-inch bright 300 nit HD+ high resolution display makes this the perfect laptop for business and pleasure. A low-light sensitive HD webcam with wide-angle viewing, dual-digital array HD microphone with configurations for crystal-clear private and conference VoIP meetings, keyboard noise suppression technology, and Polycom Real Presence Mobile and Real Presence Desktop video collaboration software provide an outstanding web conferencing experience. Plus Dolby Home Theater v4, Intel HD graphics, and HDMI output let you immerse yourself in surround sound and clear visuals.
Perfect for On-the-Go, Anytime, Anywhere.
The X1 Carbon offers up to 7 hours of battery life with its integrated battery. And with Lenovo's breakthrough RapidCharge technology, you can charge up to 80% battery capacity in just 35 minutes. Lenovo's Power Manager software intuitively limits the energy drain of idle processes and provides an extra surge of energy when needed most, stretching your system's unplugged run-time to the max.
Durability and Protection --- Inside and Out.
Premium durability standards like carbon-fiber roll cage and spill-resistant ThinkPad keyboard provide a rock-solid machine. Active Protection System protects against abrupt movement or accidental fall. Integrated Fingerprint Reader for secure login with one swipe. Plus, the X1 Carbon is one of the first Ultrabooks with Intel vPro technology, which enables businesses to manage, protect, repair, and locate assets from anywhere in the world.
Intel Core i5-3427U Dual-Core 1.80GHz, 4GB 1333MHz DDR3 SDRAM, 128GB SATA SSD, 14.0" HD+ LED, Intel HD Graphics 4000, Webcam, Fingerprint Reader, 802.11a/b/g/n, Bluetooth, Microsoft Windows 8 Professional 64-bit
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Related videos
For 36 years I've served on dozens of political campaigns. As bad as our election process seems, I'm convinced our system is the world's best. It's worked for 234 years. But campaign financing does corrupt the process, as one question is repeated more than all others:
"How much money have you raised?"
Political insiders view not talent but fund-raising as the ultimate measure of any candidate's credibility. Without money, no matter how special or gifted, a candidate cannot win.
Most voters don't look at a race or its candidates until the week before or on Election Day. The path toward victory has thus become about good marketing, regardless of the quality of the candidate.
From Marco Island to Cape Coral and across America - voters are disgusted with the broken promises of well-known and well-funded candidates who lack the core beliefs and guts needed to make a positive difference. Americans are tired of the next- guy- in-line, the guy with "the name", and the guy with the most money.
Most voters will not take the time needed to listen to, compare, and contrast the candidates. Particularly in a primary race, with party loyalty nullified, most voters eventually select a name they recognize. To build name recognition, candidates need a surprisingly lot of money: for high-priced consultants, ads, signage, mailers, etc.
Volunteers can partially offset this need with personal appeals, but campaign volunteerism is limited in impact. There are only so many phone calls that can be made or doors knocked-on. So every candidate must raise and spend money to reach voters in expensive ways.
Conventional wisdom says the candidate with the most money usually wins. These candidates are covered by the media, and their name recognition increases. They tend to poll well and then receive even more campaign cash, since donors want to be with the winner. Then they continue to spend, get more attention, and so on.
The ability of a candidate to raise money has long been the insiders' guide in determining who is viable; who can win. But something is changing. We saw this change in 2010, when poorly-funded unknown candidates won in over 800 local, state, and national races across America. They were aided by tireless, selfless, and unprecedented activities of millions in grassroots movements like the teaparty. Average citizens are paying attention, taking control of their politics, and making a profound difference.
Already in 2012, the best-known candidates with the most money lost in two key GOP primaries. Indiana's Richard Murdock, running as a teapartier with only $2M, defeated iconic 36-year House incumbent Dick Lugar who spent $8M. In Nebraska, rancher Deb Fischer defeated two big-name, big-money GOP opponents to win the GOP US Senate nomination. Fisher spent $400,000; her opponents spent a combined $6.5 million.
Here in CD19, we have seven choices for our next GOP House candidate. Four are political insiders with cool recognized names; well-funded by those who believe politics-as-usual will determine the August 14 Primary winner.
But when the issues have been debated at public forums in front of knowledgeable voters who compare and contrast, the clear choice has repeatedly been the least-known candidate: Byron Donalds. He has won all three Straw Polls and the grass-roots GOOOH endorsement – by sizeable margins. Donalds has done this with less than half of the funds of each of his better-known competitors. What is going on here? Can a candidate in CD19 win simply on substance and the merits of his positions?
Fame and money don't make the best candidate. We need representatives with deep seeded philosophical beliefs and a God-given ability to present them clearly in persuasive arguments.
This August, the political playbook may be re-written in SW Florida. Or business-as-usual may prevail. The key question: Can Donalds win the "Connie Mack Seat" while spending far less money than his opponents? With no paid staff nor high-priced consultants; no pricy TV ads; can he stand up to those running more traditional campaigns?
Can Donalds win with 100 average-citizen endorsements, rather than nods from well-known politicians? Will having a large well organized but un-paid campaign team and a team of passionate volunteers be enough to defeat his better-known and far better-funded opponents?
From Marco Island to Cape Coral and across America - voters are disgusted with the broken promises of well-known and well-funded candidates who lack the core beliefs and guts needed to make a positive difference. Americans are tired of the next- guy- in-line, the guy with "the name", and the guy with the most money.
Today voters are instead are looking simply for the BEST. Stay tuned, as we watch Byron Donalds in his attempt to make history on August 14.
Tymann retired as President of Westinghouse International, where he led business development and government relations in 75 nations. He is currently managing director of Naples-based SEP World and Naples Strategic Business Partners. A regular NDN contributor, Tymann is a founder and a current leader of the Naples Tea Party. Email him at email@example.com.


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Is Twitter the Next QVC?
Infomercials and social networks may have more in common than you think.
Rather than waste time and money driving to a brick-and-mortar store, many shoppers prefer to make purchases with a few keystrokes and a click or two of a mouse. To keep up with customers' shopping behaviors—and the widespread demand among consumers for convenience—credit card companies are beginning to target a new area of commerce: social networks.
Some 16 percent of online adults use Twitter, according to a 2012 report by Pew Research Center's Internet & American Life Project, yet social platforms offer a region of e-commerce that's been largely untapped by credit card companies. American Express is one company that's encouraging shopping on social networks; it launched a program in February that enables its customers to buy products directly on Twitter.
The service—available to those with Amex credit cards and a public Twitter account (prepaid and corporate cards are exempt)—is a simple process. Members sync their credit card to their Twitter account, then they can tweet special hashtags for products they wish to purchase. For example, last month American Express offered $25 Amex gift cards for $15. By using #BuyAmexGiftCard25 in a tweet, customers received a reply tweet from the @AmexSync account containing a confirmation hashtag. The customers had to tweet that hashtag within 15 minutes to purchase the product, which was subsequently shipped to their billing address.
[See Skip the Store: Buy These Items Online to Save Time and Money.]
Leslie Berland, senior vice president of digital partnerships and development at Amex, says the company sees social networks as the next big market for online shopping. "From a digital innovation standpoint, we wanted to develop a program that matches what consumers and merchants have been looking for," she says, even if they didn't know they desired it in the form of a tweet-to-buy model. "We know that retailers are very engaged on the Twitter platform, as many of them are advertising promotions and building their brand on the platform, but they haven't been able to keep business transactions on the Twitter platform."
According to Berland, the strategy of tweeting links to products is flawed. She says that while links drive traffic to a merchant's website, Twitter users don't want to leave the platform to make a purchase; she thinks they'd rather stay on their news feed than miss an important tweet.
However, experts who study consumer behavior see several problems with the tweet-to-buy model. Angeline Close, a professor at the University of Texas at Austin and author of "Online Consumer Behavior: Theory and Research in Social Media, Advertising and E-tail," says one challenge will be convincing customers to overcome "consumer resistance," meaning consumers are skeptical of change—especially when it comes to mixing money and their social circle. "'Try to keep your friends and your money separate' is an old adage because, for many people, it's true," Close says.
Nonetheless, Close says some people are comfortable publicly sharing their finances. These consumers see so-called "social shopping" as an opportunity to not only snag deals but display their savings skills. "Price-prone people who want to, in a sense, show their consumer savviness, are going to be the first to embrace these sorts of programs," Close says. "It's something to brag about."
[Read Unconventional Ways to Score an Online Deal.]
So far, Amex has seen the greatest usage among customers in their 20s and 30s. Berland believes this demographic is good for reeling in other Amex cardholders to the program. "Younger people tend to have more followers and are more actively engaged on Twitter," she says, "and those are the customers who can help us spread this virally."
Another factor playing into whether tweet-to-buy shopping will succeed is how today's consumers seek to satisfy one of their fundamental needs. According to Philip Graves, author of "Consumer.ology: The Market Research Myth, the Truth About Consumers, and the Psychology of Shopping," shopping fulfills a basic psychological drive to consume. However, he says social shopping can threaten a buyer's finances. If consumers only use a hashtag to confirm their purchase, Graves worries that tweet-to-buy programs put psychological distance between customers and their credit card. "People will have less of a cue to be mindful of the consequences of their spending and, I would expect, those who struggle to keep to a budget could end up with surprising bills if they become accustomed to buying in this way," he says.


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Hi,I'm no genius with Midi but it has helped me a lot in my Gigging career as a Guitar vocalist.
I just need to know if the G2M will completely replace My Gk2 pickup and Gi-10 interface to drive the Roland Bk7m Module.I'll be amazed if it does , as it means I can reduce weight of gear for Gigs.
Thanks a million for ANY help you can give.


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Learn about the process
It starts with a conversation between you and your home preservation specialist: taking an honest look at your situation, considering every option, and making a plan to move forward. When you're ready to get started, here's what you need to know about how to request mortgage assistance.
Review your options
When you request mortgage assistance, we'll review your information and see what options could work for you. Here are some of the programs that might be available:
Options to help you keep your homeShow Details
Loan Modification
If you can't afford your current mortgage, but you want to stay in your home, a loan modification might help. It makes your monthly payment more affordable by permanently changing certain terms of the loan.
Forbearance Plan
If you need help getting through a temporary hardship like unemployment, a forbearance plan might help by suspending or reducing your monthly payments for a certain period of time.
Repayment Plan
If you fell behind on payments due to a temporary hardship, but you're now ready to get back on track, a repayment plan might help. It divides your past-due amount into manageable chunks, and adds them to future payments.
Options to help you avoid foreclosureShow Details
Short Sale
If you can't afford your current mortgage, and staying in your home isn't an option, a short-sale might help you avoid foreclosure. It allows you to sell your home for less than you owe on the mortgage, and may release you from having to repay the remaining mortgage balance.
Deed in Lieu of Foreclosure
If you can't afford your current mortgage, and staying in your home isn't an option, you may be able to avoid foreclosure without having to sell your home. A deed-in-lieu of foreclosure allows you to release your home to Wells Fargo voluntarily.
More programs that could helpShow Details
Hardest Hit Funds
Hardest Hit Funds offer special mortgage assistance programs for homeowners living in states that were most affected by the financial crisis and recession.
Benefits for Military Personnel
Wells Fargo appreciates the service of America's military personnel. That's why we offer expanded military mortgage benefits that go beyond what the Servicemembers Civil Relief Act (SCRA) requires.
If you haven't missed any payments and think you'd be better off with a new loan, consider a refinance. With the federal government's Home Affordable Refinance Program, you may be able to refinance even if you owe much more than your home is worth.
Our commitment to homeownershipLearn how Wells Fargo is supporting sustainable homeownership through responsible lending and servicing principles, and community support programs.
Benefits for military personnelLearn about special military benefits for active-duty service members and their families who may be facing mortgage payment challenges.
Find more homeowner resources
- Home equity assistance: Learn about your options if you need help with a home equity loan or line of credit from Wells Fargo
- Wells Fargo home preservation workshops (PDF*): Find an upcoming workshop in your area for a chance to meet in person with a home preservation specialist.
- Mortgage assistance document checklist: See what you may need to provide with your request.
- More resources >
Contact a Home Preservation Specialist at 1-800-678-7986
Start the process by filling out an online request:
Already working with us on a loan modification?
* You need Adobe® Reader® to read PDF files. Download Adobe Reader for free.
Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that if your loan is currently delinquent or in default, as your loan servicer, we will be attempting to collect a debt and any information obtained will be used for that purpose. However if you have received a discharge, and the loan was not reaffirmed in the bankruptcy case, we will only exercise our right as against the property and are not attempting any act to collect the discharge debt from you personally.


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The Great Adventures of Alexander the Great - Theatre Program
Australian Museum Visitor Services
Multiple Dates
Sydney, NSW
Who's Going
Event Details
April School Holiday: Theatre for Families
The Great Adventures of Alexander the Great
What can we learn from history today during the device age? Do treasures from the past have magical powers? When 12 year old boy, Alex Average discovers Alexander the Greats battle helmet he is transported to a world of wild horses, war and wonder.
On his quest he discovers the virtues of great leaders and gains the courage and smarts to save the city museum from being demolished.
Join Alex in making the biggest discovery of all... the great in all of us.
Dates: 14 – 28 April (Sunday to Friday only),
Show Times: 11am, 12.30pm, 2pm
Running Time: approx 30 min
Ticket Cost (after general museum entry): $5 per person. $20 for family (2 adults and up to 4 children)
Recommended for children aged three years and over.
Find more information about our holiday programs at www.australianmuseum.net.au/whatson
Australian Museum - Hallstrom Theatre
6 College Street
Australian Museum Visitor Services
The Australian Museum is more than a leading cultural attraction in Sydney; it's also a hub of information, education, resources and research.


text:
Travel Guide Middle East Jordan Jerash
See also International Telephone Calls
Jordan Post runs the postal services in the country. It has fairly reliable and cheap services and international post usually takes several days up to a week or more for countries further away. Opening hours of post offices are mostly between 7:00am and 5:00pm Saturday to Thursday and 7:00am to 1:00pm on Friday, although this depends whether it's a main city or smaller villages. In summer, there might be slighty longer opening hours. For larger packages, it might work out cheaper and certainly faster to use international courier services, including DHL, FedEx, TNT or UPS for example.
Help contribute to this article to share the ad revenue.
We don't currently have any Travel Helpers for Jerash
This is version 4. Last edited at 13:04 on Dec 23, 13 by Utrecht. 1 article links to this page.
Except where otherwise noted, content of this article is licensed under a Creative Commons Attribution-ShareAlike 3.0 License


text:
Power Rankings
Baltimore City Power Rankings
Published: March 20, 2013
1 Martin O'Malley
Ambitious Gov's progressive agenda scores another win, abolishing the death penalty in Maryland. The impressive resume bullet point, achieved with the direct involvement and support of the NAACP and the Catholic Church, would, of course, help O'Malley in the Democratic primaries for the 2016 presidential race—not that he's thinking about that at all. If he would only stop humming "Hail to the Chief" in the Statehouse. . .
2 Amtrak
The beleaguered national railroad service hired local builders Beatty Development, the people responsible for building up Harbor East, to draft plans for a major renovation of Penn Station and environs that would introduce 1.5 million square feet of new residences, shops, and offices. The cash infusion—about $500 million over the next decade—is just what Station North has needed to transform into a thriving destination arts district. Of course, it'll probably price out a lot of the pioneering artists, but they probably won't want to be there anyway, if it looks anything like Harbor East.
3 Stephanie Rawlings-Blake
Il Mayore has made increasing Baltimore City's population one of her top priorities. (Hey, it's easier than making the trains run on-time.) It's a lofty, optimistic, even far-fetched goal for a city in decline for six decades—one a less ambitious executive would probably avoid—and SRB's policies, including encouraging immigration, working to improve schools, and staging high-profile events like the Grand Prix, have no doubt helped. So with news that the city has grown for the first time in over 60 years, she deserves credit. But until the financial footing of things like TransForm Baltimore and the Grand Prix are secure, it's unsustainable. (Hint: AUDITS! AUDITS! AUDITS!)
4 John Leopold
The former Anne Arundel County executive will serve at least 30 days in jail, along with further home detention, community service, and a $100,000 fine for, among other, less gross offenses, making subordinates empty his catheter bag. It was a harsher sentence than prosecutors even asked for but appropriate for a man who seemed to so eager to exploit his power.
5 Scott TerryYou know you're a racist when you express your views at the Conservative Political Action Conference (CPAC) and everybody's like, "Dude, mellow out." The Honky Avenger, the Towson undergrad previously known as the founder of the campus' White Students Union, unleashed his pro-segregation views at a CPAC event called "Trump the Race Card" that, ironically and somewhat hilariously, was supposed to be about proving that conservatives are not racists. Go Tigers!
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Blog Posts tagged "Health Resources and Services Administration"
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Archived FedPro Message
SUBJECT: Supplemental Educational Services (SES) Provider Information
LISTSERVE MESSAGE DATE: August 9, 2011
Title 1 Buildings in Level 2 and above of School Improvement MUST notify all the parents of students receiving free and reduced price lunches in these buildings that they are eligible to receive Supplemental Educational Services. The parent notification letter template and forms are posted on the Supplemental Educational Services (SES) Districts' webpage: http://dese.mo.gov/divimprove/fedprog/grantmgmnt/Supplemental_Services/District_Toolkit_
Documents/SES_Toolkit_Index.html. Districts MUST use these templates as written to ensure that all required information is conveyed to parents. An official copy of your parent notification on District/Building letterhead and dated when it was sent to parents must be uploaded to FormHOG to demonstrate compliance with this requirement. You will receive another message when the FormHog system is accessible for the 2011-2012 year.
Supplemental Educational Services (SES) Information and Requirements
The Supplemental Educational Services (SES) documents are posted on the SES webpage at: http://dese.mo.gov/divimprove/fedprog/grantmgmnt/Supplemental_Services/. There are several documents providing information to assist you in meeting SES requirements. Some are on the main SES webpage, and also in the 'Districts' link. Questions/Answers G.2 and G.3 of the SES Non-Regulatory Guidance Jan. 2009 describe the information that is to go to parents. All buildings/LEAs must notify parents of students receiving free and reduced price lunches of all the providers listed under Provider Summaries by Area "Statewide". Also, the LEA must include provider summaries for your specific building/LEA by selecting one of the six geographic areas and copying those providers from your geographic area that will serve your building/LEA.
NOTE: Districts are encouraged to host a provider fair so parents can obtain more information and ask questions of providers. With two required enrollment windows, if you are not able to schedule a provider fair at the beginning of the year, you could schedule one before the second enrollment window. At a minimum, districts should have a meeting for eligible parents to explain SES, answer questions, and assist parents in choosing a provider.
2011-2012 Approved SES Contact Information
There is an Excel spreadsheet provided that includes contact name, phone number, fax number, e-mail and mailing address for the providers. This will make contact with the providers for fairs and/or services much easier. This list is arranged alphabetically. It lists the "Area Served" as either Statewide or a specific quadrant in the state to guide you to the providers that have indicated they will serve your area of the state. It indicates if they serve special populations and if their staff can speak languages other than English.
Provider Summaries by Area
There are seven summaries which contain a brief description of each provider taken from Part B of the SES application. A copy of these service summaries must be distributed to parents of students receiving free and reduced price lunches along with the district SES letter. The providers serving statewide will need to be copied and sent to parents, along with those providers from your geographic area that will serve your building/LEA. There are some providers that are highlighted in blue; an introductory paragraph explains why they are highlighted. You can include them in the information you send to parents, but do not enter into a contract with any of these providers for services until you see that the highlighting has been removed from the list on the website. Updates will be made as documentation is received. This Excel document "2011-2012 Approved SES Contact Information" includes the provider's ID number that you need to use on the contract and evaluation results.
SES Per Pupil Allocation for 2011-2012
This table shows the per pupil calculation for the Title I.A allocation. This is the minimum amount allowed each eligible child for SES. You can find the "SES Per Pupil Allocation 2011-2012" at: http://dese.mo.gov/divimprove/fedprog/grantmgmnt/Supplemental_Services/District_Toolkit_
Documents/SES_Toolkit_Index.html. It is under the heading "Supporting Information".
District Website Reporting Requirements for Buildings in School Improvement
The Title I.A Regulations effective October 2008 require all districts/LEAs receiving Title I.A funds that have buildings in a school improvement status to post information on their website. The link to the final regulations is at http://www.ed.gov/policy/elsec/reg/proposal/strengthening-choice.pdf .
Each district/LEA is required to post information regarding School Choice and SES even if you don't have to offer school choice as an option. In order to make complying with these regulations easier for you, we have made a template with the required information for each. The templates are available on DESE's SES webpage at: http://dese.mo.gov/divimprove/fedprog/grantmgmnt/Supplemental_Services/District_Toolkit_
NOTE: If your district/LEA does not have a website, you must send David Welch an e-mail stating that your LEA does not have its own website, and include the information that would be provided on the website. The e-mail address is below in the signature area.
David Welch, Director
Gifted Education Programs| Supplemental Educational Services| Public School Choice
Phone: 573-751-7754
Fax: 573-526-6698
Email: firstname.lastname@example.com


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Quite like the Strawberry, the Blackberry is not considered a "real berry," it's actually an aggregate fruit! That means the Blackberry is composed of a bunch of different tiny fruits, which combine to make one delicious flavor!
The true meaning of the name "Strawberry," is somewhat contested by historians. Popular folklore relates that children used sell their berries at the market, and to make trading easier, they would string them together with threads of straw, hence Straw-Berry!
When you are walking through the fresh produce aisle at your local grocery store, it might be helpful to have a few tried-and-true tips up your sleeve to ensure that the delicious DOLE® Berries you bring home to your family (or keep all to yourself!) are as fresh and mouthwatering as possible!
DOLE Raspberries are harvested at the peak of the season to ensure you are getting only the finest quality fruit available. Each delicate red berry is washed and ready to eat. DOLE Raspberries are ideal for topping, baking, fruit salads or simply as a healthy snack.
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An experiment in improving lives through nutrition. Bottom line: encouraging employees to l...
Banana Dippers
Excess body fat does not just sit there. Too much c...
We hold strong as industry leaders from a dedication to customer relations.
Dole's Organic Program is at the forefront of organic agriculture.
Our fleet sails regularly throughout the US, Canada, Latin America and Europe.
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text:
Please be aware: From 26th May 2012 the UK's Information Commissioner's Office (ICO) will impose an EU directive that demands that website owners ask permission to place cookies on user devices. Box UK take no responsibility for providing information or disclaimers pertaining to cookies on client sites, and will not be liable for any damages or legal action resulting from misuse of cookies. For more information on cookies and the new regulations please visit the ICO website.
Version 3 - 24th May 2012
The following are the terms and conditions for use of the Clickdensity service described herein (the "Service") between Box UK™ and you (either an individual or a legal entity that you represent as an authorised employee or agent) ("You"). The Service may be either Starter, Builder, Standard, Plus, Premium or Custom editions, further details of such editions are available at www.clickdensity.com.
By clicking the "I Accept" button, completing the registration process and/or using the Service, you are stating that you are eligible for an Account and that you agree to be bound by all of these Terms and Conditions of the Service ("Agreement"). The Service is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein.
Box UK reserves the right to update and change the Terms of Service from time to time without notice. Any new features that augment or enhance the current Service, including the release of new tools and resources, shall be subject to the Terms of Service. Continued use of the Service after any such changes shall constitute your consent to such changes. You can review the most current version of the Terms of Service at any time at:
Violation of any of the terms below may result in the termination of your Account. You agree to use the Service at your own risk.
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h. Questions about the Terms of Service should be sent to email@example.com.


text:
Begin New Search
Refine Last Search
Cemetery Lookup
Add Burial Records
Help with Find A Grave
Top Contributors
Success Stories
Discussion Forums
Find A Grave Store
Log In
Grave Walker(L Kopet)
member for 8 years, 3 months, 17 days
Add to MyFriends
Bio and Links
For complete website rules and frequently asked questions – with answers – click on the "Help with Find A Grave" link on the left column. Also, various brief website procedures are listed in the contributor profiles on many of the links under "Find A Grave Friends" at the lower right; for example, here and here. Before adding a memorial, make sure it is not already on Find A Grave. Please note that an individual's right to privacy disappears when they are deceased.
I am not an administrator of this website; other than editing memorials that I manage, I cannot resolve issues that you are experiencing (e.g., membership, missing photos, incorrect cemetery names). I am not associated with any cemetery, and have no further information on cemeteries beyond what is already shown online. Additionally, I have no further information on individuals beyond what is already shown online.
Abbreviated website rules concerning photographs: The copyright of all photos posted to Find A Grave remains with the original submitter. No use of photos for Find A Grave, any other website, or personal use is given without prior consent of the original submitter. Do NOT copy my photos and use them on memorials on this website (you are attributing the photos as your own when you use them). Contact me using the 'Edit' tab on any memorial that I manage and I will upload the photo to the memorial that you specify. I will allow my cemetery and grave photos to be used elsewhere for your personal use and informational purposes with this (Click on any photo to get a larger view, and to see possible captions – such as the location of the grave.) Keep in mind that most Find A Grave volunteers contribute their time (and fuel) towards improving THIS website – not to provide free labor for another website. Out of common courtesy, give credit for photos that you use; giving credit is not too much to ask for the effort put in. Again, source me as the photographer and Find A Grave as the original location.
In fairness to those who may have closer ties to a memorial, I am no longer transfering outside of the Find A Grave guidelines. I likely have had transfer requests from relatives closer than you for the same memorials that you want to have transferred. Requests that are outside of the guidelines (such as aunts, uncles, cousins, etc.), or do not state relationship, will be ignored. Find A Grave's mission is to document cemeteries, "...the goal is not to 'own' every memorial of those to whom you are related." This website can be useful to genealogists, but it's about accurately recording graves, not building family trees. Per policy, I will competently link and add your accurate information to a memorial upon your request. (I can only link to spouses and parents). Again, because of the quantity of messages that I receive, transfer requests that do not follow the transfer procedure will be deleted without a response/explanation.
"Copying and posting photos originally taken by another photographer is a copyright violation and is strictly against Find a Grave policy...
Any photo that was not taken (photographed) or owned by you should never be posted to Find a Grave memorials. This is Find a Grave's copyright policy, not the interpretation by someone else of how the policy should work...
Consider any photo that you did not personally take (with your camera) as copyrighted, as far as Find a Grave is concerned. The copyright notice is displayed every time you or any other member uploads a photo...
...we will unfortunately have to terminate your account. Find a Grave copyright policy is not an arguable point."
—administrator AJ
"Photograph the grave/gravesite 'in-situ', or as it appears in that moment in time. The purpose is to show the grave as it is, be it dirty, cluttered, broken, or pristine. It is not your job to clean it, clear it, fix it, or decorate it. The graves are not yours to do as you please. Remember, one person's 'good deed' just might be another person's vandalism. Go take lots of photos... but do it like an anthropologist and do not disturb the grave site."
—administrator AJ
Leave Public Message
Contributions to
Find A Grave
37,848 Memorials Added
37,771 Memorials Managed
87 Memorials/week
52,184 Photos
1 Photo Request
1,984 Volunteer Photos Taken
2,150 Virtual Flowers
20 Fame Ratings
Search Contributor's Records
First Name
Last Name
Messages left for Grave Walker(L ... (830)
Leave Message
Whitney G
Minnie Schmidt
May I please use your photo in my private tree of my great grand aunt. I will cite you, the date it was put on findagrave and findagrave as the source. Thanks in advance.
Added by
Whitney G
on Apr 24, 2014 9:42 AM
Jim Stone
Dartford Cemetery Photos
I noticed that you left a message on Tombstoner & Family that you have taken all available photos at Dartford Cemetery in Green Lake, Wisconsin.
Would you happen to have a photo of the grave of James M. Fowler, and if so, would you share it?
His F.A.G. memorial is #117836796.
Added by
Jim Stone
on Apr 09, 2014 12:00 PM
Thank you!
Thank you for the wonderful photo of the headstone for William J Zimmerman and Emma M (Kelm) Zimmerman, and thank you so much for all you do for all of us. Wishing you all the best - JoAnne
Added by
on Apr 02, 2014 3:40 PM
Rosie Wiley
Kraut photo
Thank you so much! We had conflicting dates of death and you helped clarify. Thank you for your prompt response!
Added by
Rosie Wiley
on Mar 31, 2014 8:16 AM
S. Wardell
Kragh memorials
Thank you for updating the links to family members so quickly.
Added by
S. Wardell
on Mar 28, 2014 1:02 PM
I work at the local Family History Center and made this request for a client. Also showed her how to become a member of Find a Grave. I'll let her know about the photo. Thank you very much.
Added by
on Mar 27, 2014 7:23 PM
donald kosterman
Thank you for pic of Alice's Headstone, Donald
Added by
donald kosterman
on Mar 25, 2014 10:55 AM
Far Tripper
Alvin Strauss
Thank you for adding Mr. & Mrs. Strauss' headstone photo to their memorials.
Added by
Far Tripper
on Mar 25, 2014 4:36 AM
Paul Sutton Kamalsky
Suttons in Hudson Cemetery
Thank you very much for adding stone photos to
the memorials of my family members
Paul Sutton Kamalsky
Added by
Paul Sutton Kamalsky
on Mar 13, 2014 5:02 PM
Frank Germanson
Thanks so much for your time and effort. The picture is great. Frank
Added by
Frank Germanson
on Mar 10, 2014 5:53 PM
View all messages...
Privacy Statement
Terms of Service


text:
Leaving From
Daily maid service, turndown service and the care of 8 dedicated staff, including a 24-hour Majordomo, executive chef, housekeeper, waiter, kids club attendant, groundskeeper, gardener/pool attendant, 24-hour security guards and available masseuse are included. The private Villa is situated on a 54,000 square foot ocean lot, guaranteeing privacy.
Upon arrival, guests are met by our dedicated staff for Al Fresco check-in with a chilled glass of Champagne and a cold, fragrant towel. The Majordomo will provide an aromatherapy menu and pillow menu to customize each suite. A personal chef will be on hand to prepare gourmet meals using only the freshest ingredients, including some grown in the greenhouse located on the sister property of El Dorado Royale, by Karisma.
The Villa's modern design and stylish furnishings offer all the comforts and convenience of home, while the incredible view of the Riviera Maya, its turquoise sea and the gentle breeze whisper, "Relax. You're in paradise!"
For those mixing business with pleasure, the Villa features a state-of-the-art private office with Wi-Fi, video conferencing capability, a large screen monitor, surround sound and more. Enjoy your surroundings even while working, with the large picture window in the office that faces the ocean.
Guests of all ages are provided for at Azul Villa Esmeralda, even the tiniest ones. We offer strollers, cribs, baby bathrobes and bath tubs, beach games, coloring books, and a refrigerator for milk and medicines. There is even an Azulitos Playhouse room for them, stocked with Fisher-Price toys.
Karisma Gourmet Inclusive® Experience begins even before arrival, as guests are invited to contact the Majordomo ahead of time to make any requests to customize their stay.
Architect Isaac Dabbah Portilla designed Azul Villa Esmeralda with a youthful sophistication within a very natural, fresh context. Local materials were sourced wherever possible, from the stone slabs in black, red and cream to the tropical woods exclusive to the region, like Tzalam. Modern materials were added – sleek porcelain floors, chrome and glass – to add a sleek texture to the Villa. Outside, the natural stone mixed with wood and thatched roof evokes the feeling of an authentic beach house.
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By wherald
Wednesday, Jan. 23
New Hope hosts evening in 'Living The Abundant Life' series
John Murphy, founder of Brentwood-based Rock House Center Biblical Counseling, will present a free class for the community as part of his "Living the Abundant Life" series at New Hope Community Church in Brentwood.
Designed to present practical spiritual solutions to everyday problems, the second class in the series will focus on "God's Plan for Your Successful Marriage." The session will be offered on Wednesday, Jan. 23, 6:30-8 p.m. at the Brentwood church.
The "Abundant Life" series is intended to answer the question: "Do you ever wonder why we struggle to live the abundant life promised in scripture?" The sessions involve presentation, Q&As and discussion. They are free and open to the public and childcare is provided. More resources are also available.
New Hope Community Church is an interdenominational church that believes in the Bible and follows the teachings of Jesus Christ. The church is located at 605 Wilson Pike, Brentwood.
Thursday, Jan. 24
Romance Author Panel at Main Library
The Williamson County Main Library will host a Romance Author Panel featuring Trish Milburn, Kim Law, Jenna Bennett, and Angela Britnell, Thursday, Jan. 24, 6:30-8 p.m. Ready for romance with Valentine's Day just around the corner? You're invited to hear this panel of published romance authors speak about a variety of topics that include their writing, careers, latest novels, and publishing. They will also be happy to answer questions and will have books available to sign and sell.
The Main Library is at 1314 Columbia Ave. in Franklin.
For information, call 615-595-1250.
Saturday, Jan. 26
Franklin Tomorrow to hold Get Fit Franklin event at Westhaven
Franklin Tomorrow will hold a quarterly event Saturday, Jan. 26 at the Westhaven Residents Club for its Get Fit Franklin project, presented with founding partner BlueCross BlueShield of Tennessee.
Get Fit Franklin is a distance walking project designed to encourage residents to take the first steps to a healthier, more active community by stepping out their front door.
The event will focus on a cold-weather workout, followed by a one-mile walk through the neighborhood. Westhaven has an extensive sidewalk network and routes for one-mile walks, as well as 5Ks, are readily available to residents and nearby citizens as exercise routes.
The event will begin at 10 a.m. with packet pickup for those individuals not yet registered for the program or for those who were unable to attend the Nov. 17, 2012, kickoff event at Pinkerton Park. Links appear at www.getfitfranklintn.org for new registrations and RSVPs by those already registered.
Superhero Mother-Son Masquerade Ball
Williamson County Parks and Recreation's first Super Hero Mother-Son Masquerade Ball at the Fairview Recreation Complex, 2714 Fairview Blvd. will be held Saturday, Jan. 26 from 6:30 – 8:30 p.m. Registration is underway.
Boys, bring your Mom, Step-Mom, Aunt or Grandma to this exciting evening and action packed dance. You will enjoy the Joker's latest musical hits and fun games as well as delicious refreshments fit for a hero. This event is for boys ages 4-12 years with a parent or guardian. Cost is $15 per couple, and $5 each additional boy. Register by calling 615-799-9331, ext. 2310.
For information, call the facility or visit www.wcparksandrec.com
Jan. 30 and 31
AARP Driver's Course at Brentwood Library
Participants will learn about good driving habits and get a special discount on their insurance at a two-session driver's course sponsored by AARP at the Brentwood Library. The class will be held Wednesday and Thursday, Jan. 30 and 31, 8:30 a.m. to 12:30 p.m.
Cost is $12 for members; $14 for nonmembers. Attendees must attend both classes to receive credit.
If a family has two cars, the husband and wife can take the course to get the discount on both cars. There are no tests and/or homework. The AARP Driver Safety Program is the nation's first and largest refresher course for drivers ages 50 and older that has helped millions of drivers remain safe on today's roads. AARP provides the Drivers Guide and DVD presentation for the class. Bring a valid Tennessee license, your AARP card if you have one, along with a pen or pencil and a lunch.
Bob Soriano is the instructor. The Brentwood Library is located at 8109 Concord Road in Brentwood.
Saturday, Feb. 2
Daddy's Lil' Princess Ball
at Longview, Franklin recreation centers
The Williamson County Parks and Recreation Department will present Daddy's Lil' Princess Ball Saturday, Feb. 2, 6:30-8:30 p.m. This event will be held at the Longview Recreation Center, 2909 Commonwealth Drive in Spring Hill and at Franklin Recreation Complex, 1120 Hillsboro Road, in Franklin.
Girls, ages 4 to 12, bring your Dad, Step-Dad, Uncle or Grandpa to this magical evening and "royal" dance. Enjoy the Court Jester's latest musical hits and fun games as well as delicious refreshments fit for a queen. Each princess will receive a real rhinestone tiara and a special picture with her "prince" to remember this very special evening. The cost is $15 per couple and $5 for each additional girl.
Registration begins Jan. 22 at 10 a.m. Payment must be made within five days of registration. Registration may be made in person or by speaking with a receptionist at 615-302-0971, ext. 2210.
For information, call Darlene Monk, 615-302-0971, ext. 2216. Sponsors include: The Children's Academy, SportClips, Walgreens and Party City.
For information, visit www.wcparksandrec.com.
To register for the Franklin event, call the Franklin Recreation Complex, 615-790-5719, ext. 2010.
March 7-10
The annual Country Music Cluster Dog Shows are presented by Nashville Kennel Club and Tullahoma Kennel Club, March 7-10, at the Williamson County AgExpo Park at 4215 Long Lane, Franklin. A new event this year is the Kids Knine Korner.
Admission is free for spectators and $5 to park.
Competition begins early in the day with individual breed classes to determine the Best of Breed for more than 150 AKC breeds. Once Best of Breed is determined these dogs compete in Groups. The Best of each Group competes for Best In Show.
Times are Thursday through Sunday, March 7-10: 9 a.m. to 5 p.m.
Posted on: 1/16/2013
WILLIAMSON HERALD :: 1117 Columbia Avenue :: P.O. Box 681359 :: Franklin, TN 37068615.790.6465, phone :: 615.790.7551, fax ::firstname.lastname@example.com
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Unity Bowling, International Baccalaureate student at Fairfield Middle School and Miss Peninsula's Outstanding Teen 2012, has been named a regional winner in the Kohl's Cares Scholarship program. Bowling was awarded a $1,000 scholarship and is now eligible for one of the national level awards and an additional $9,000 scholarship. An advocate for literacy, she has worked with local elementary schools and head start/preschool programs, including the Henrico County Preschool Program, and she reads at the Children's Museum of Richmond regularly. Bowling also collected and distributed more than 3,000 books to local organizations. Some English/Spanish books were also sent to the Dominican Republic to help create a library.
Henry Edward Qian, of Glen Allen, recently was named to the dean's list for the spring 2012 semester at the University of Iowa. To be eligible for the dean's list, students must earn a grade point average of 3.5 or higher.
Call Federal Credit Union has awarded members Myles Hilliard, a graduate of Deep Run High School, and Taylor Melton, a graduate of Tucker High School, $1,000 scholarships through its Alice S. Pearce Scholarship program. Students were selected based upon scholarly merit, video or essay submission and extracurricular involvement including community service.
A team from the Maggie L. Walker Governor's School placed second in the nation in the "We the People: The Citizen and the Constitution" national finals, which took place in April in Washington, DC. This is the third year that a team from MLWGS has placed in the top three in the nation. "We the People" team members study a broad range of topics related to American government and constitutionalism and prepare for simulated congressional hearings, during which judges ask questions and score units based on knowledge and articulation. Henrico students on the team were: Sameer Sarkar, Eileen Wang, Kathryn Marqueen, Andrea Yeh and Jesse Zhao, Class of 2012; and John Darr, Gray Whisnant and Matt Ruskan, Class of 2013.
Taylor Stephen Wilson, of Richmond, recently was named to the dean's list for the spring 2012 semester at Wofford College in Spartanburg, S.C. To be eligible for the dean's list, students must earn a grade point average of 3.6 or higher.
Davis & Elkins College women's basketball team member Amy Turner has been named to the commissioner's honor roll by the West Virginia Intercollegiate Athletic Conference for the 2011-12 athletic year. The commissioner's honor roll recognizes junior and senior student-athletes who have obtained a 3.3 cumulative GPA at the end of the term in which their sport concluded. Turner, a physical education major, is the daughter of Marcus and Diane Turner, of Glen Allen.
Gov. Bob McDonnell has appointed local residents to several boards and commissions: Board of Health Professions – Jeffrey Levin, of Richmond, general dentist with Commonwealth Prosthdontics; and Blair H. Nelsen, of Richmond, owner of Nelsen Funeral Home; State Board of Health – Dr. John W. Seeds, of Richmond, physician educator at VCU School of Medicine; State Rehabilitation Advisory Council – Julie Triplett, of Henrico, disability rights advocate for the Virginia Office of Protection and Advocacy; Virginia Board for People with Disabilities – Jessica Gainous Philips, of Henrico, vice president and CEO of Commonwealth Autism Service; and Virginia-Israel Advisory Board – Paul H. Grossman, Jr., of Richmond, director of international trade and investment for the Virginia Economic Development Partnership; and Jay M. Ipson, of Richmond, president and executive director of the Virginia Holocaust Museum and Holocaust survivor.
Varina Ruritans honor students
The Varina Ruritan Club hosted the winners of its 2014 Environmental Essay contest at its monthly meeting March 11 in Varina.
The contest, in its eighth year, was for the first time open to students in grades 3-5 at Varina Elementary School. (It previously was open to Sandston Elementary School students.)
The meeting included the winners, parents of the winners, Varina Elementary principal Mark Tyler and several teachers who were in charge of the contest at the school. > Read more.
Baseball game to benefit Glen Allen Buddy Ball
For the fifth consecutive year, St. Christopher's and Benedictine will play a varsity baseball game at Glen Allen's RF&P Park as part of a fundraising effort for the River City Buddy Ball program.
The game will take place Saturday, April 12, at 7 p.m., and the teams hope to raise $3,000 through donations, raffles and other efforts. Admission to the game is free, but fans who attend are asked to donate funds for the Glen Allen Youth Athletic Association's Buddy Ball program, which enables disabled children and teens to play baseball. > Read more.
Highland Springs field to be dedicated in honor of longtime coach Spears
The Henrico Division of Recreation and Parks will dedicate the Highland Springs Little League Majors Field in memory and honor of Rev. Robert "Bob" L. Spears, Jr., on April 12 with a ceremony at the field at 8 a.m.
Spears served the league as a coach and volunteer for 30 years and was praised as a pioneer for equality. His "Finish strong" motto embodied ethical perseverance on the field and in life. > Read more.
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Weekend Top 10
Do the Bunny Hop over to Meadow Farm on Saturday for an introduction to all the farm animals there! An introduction to "Global Sounds" – featuring Japanese, Indonesian, West African, Indian, and Brazilian music and dance performances – can be found at the University of Richmond. The University of Richmond will also host the annual Spider spring game, as well as the inaugural Spiders Easter Egg Hunt. For all our top picks this weekend, click here! > Read more.
Restaurant watch
Find out how your favorite dining establishments fared during their most recent inspections by the Virginia Department of Health. > Read more.
A fun, fuzzy ride
'Muppets Most Wanted' worthy of its franchise
Do Muppets sleep? It's hard to say.
They don't really eat (or breathe, as far as anyone can tell). And only occasionally do they have visible, functioning legs.
As far as anyone knows, sleeping might be off the table. And that makes it very hard to accuse the Muppets of sleepwalking through their latest feature, Muppets Most Wanted – even if that's exactly what's going on.
Jim Henson's beloved creations were back in a big way after 2011's The Muppets, with fame and fortune and even an Oscar, a first for the group ("Rainbow Connection" was nominated, yet somehow failed to collect at the '79 ceremony). > Read more.
More News
FeedMore honors Henrico volunteers
Business in brief
Henrico couple wins $4M Va. Lottery prize
Riggs named Henrico Community Leader of the Year
Whither the Book Bowl?
Little champions
New Staples Mill Kroger opens
Senate budget reinstates Marketplace Virginia
Henrico County property transactions, March 17-23
Historic Henrico sites will open to general public April 17
- More Henrico News
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The Oxnard Salsa Festival is seeking applications for qualified vendors for the 20th Annual Oxnard Salsa Festival, July 27-28, 2013 at Plaza Park, Fifth and 'B' Streets in downtown Oxnard from 11 a.m. to 7 p.m. The Festival celebrates everything salsa … the food, the music and the dance!
Festival organizers are seeking one-of-a-kind fashions, pottery, garden art, home décor, and boutique items. Local restaurants are also encouraged to participate by providing specialty salsas in the Festival's Salsa Tasting Tent.
Presented by the Oxnard Downtowners, the award-winning Oxnard Salsa Festival features the top region's Salsa and Latin Jazz bands, non-stop salsa dancing, vendor marketplace, Kids Korner attractions, international foods, and salsa recipe contests.
To inquire about vendor participation, email firstname.lastname@example.com and provide both contact information and a photo of the vendor product offerings. For general Festival information, call 805-247-0197 or visit www.oxnardsalsafestival.com.


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FORTUNE -- It doesn't take a genius to figure out that Internet service providers in the U.S. are far too powerful and sheltered from competition. Americans pay far more for Internet access -- which runs at laughably slow speeds -- than denizens of pretty much any other developed country.
So, how is that Comcast (CMCSA), the nation's largest broadband Internet provider, and Time Warner Cable (TWC), the nation's second-largest provider, think they can get around U.S. antitrust laws and merge? Doesn't the industry need more competition, not less?
MORE: What the Comcast-Time Warner deal says about the future of media
Indeed, the usual rule of thumb the Department of Justice uses to determine whether it should allow a merger to go through is something called the Herfindahl-Hirschman Index. Here's how the department explains it:
The term "HHI" means the Herfindahl-Hirschman Index, a commonly accepted measure of market concentration. The HHI is calculated by squaring the market share of each firm competing in the market and then summing the resulting numbers. For example, for a market consisting of four firms with shares of 30, 30, 20, and 20%, the HHI is 2,600 (302 + 302 + 202 + 202 = 2,600).
The HHI takes into account the relative size distribution of the firms in a market. It approaches zero when a market is occupied by a large number of firms of relatively equal size and reaches its maximum of 10,000 points when a market is controlled by a single firm. The HHI increases both as the number of firms in the market decreases and as the disparity in size between those firms increases.
The agencies generally consider markets in which the HHI is between 1,500 and 2,500 points to be moderately concentrated, and consider markets in which the HHI is in excess of 2,500 points to be highly concentrated.
By this measure, the market for broadband across the entire U.S. has an HHI of 896. The merger of TWC and Comcast would nearly double the HHI for broadband Internet to 1591, an increase far above the 200-point-increase the DOJ says is "likely to enhance market power" and set off antitrust warning bells. (Comcast and Time Warner Cable are, of course, also in the pay TV business, but that market is more subject to competition, as consumers have the option of satellite and streaming services if they are unhappy with their TV provider.)
The problem is that the Feds don't look at national markets when determining whether to bring an antitrust action. They look at the many local markets across the country in which companies compete. And as Comcast executive vice president David Cohen said on a conference call announcing the merger, "Time Warner and Comcast do not compete in any relevant market" when it comes to broadband Internet access.
MORE: Janet Yellen's big fumble
In other words, there already is almost no competition in the broadband Internet market, and the Feds can't come in and create competition where there isn't any to begin with. Meanwhile, because more competition exists in the cable TV market, the two companies will likely need to make concessions on that front.
According to Susan Crawford, visiting professor at Harvard University and author of Captive Audience, The Telecom Industry and Monopoly Power in the Gilded Age, efforts to create more competition in the broadband market are going to have to come from the FCC or Congress, rather than the Justice Department. Either body could come forward and declare Internet an essential utility service like electricity or water and create regulations that would either force more competition or at least bar companies from charging monopolistic prices for poor service. Says Crawford, "The FCC needs to step in and act like a cop on the beat."
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Parks Canada
Home > National Parks of Canada > Prince Albert National Park > Visitor Information
Unexpected. Unfenced. Unforgettable.
Other activities at Prince Albert National Park
Canadian Prairies Visitor Guide
Visit all Parks Canada Regions
Browse the links below for useful up-to-date visitor information to plan your trip. Discover special places that tell the stories of Canada. Each one of the national historic sites commemorates a person, place or event that inspired and defined our nation.
Be inspired by Canada's history... and remember it for a lifetime.
Did you know that your Prince Albert National Park experience can be catered to suit your personality? Take the Explorer Quotient quiz today, on-line or at the Park Visitor Centre. You can then seek tailored advice from staff about programs, services and activities that have been identified specifically for you.
Take the quiz


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Naturally, I learned to call my guardian angel "Mama," as all of the children in her household, six or seven, if I recall correctly, would call her "Mama," although I don't believe she was their natural mother, rather grandmother to most, perhaps the natural mother of the older teenagers, but non-the-less, raising each of them on her own, providing shelter, food, clothing, and a firm hand to keep them in line and respectful. When I began to call her "Mama" as well, she never once corrected me, and so from that day on, she became my "Mama."
Mama took me in as if I was her own child, and as far as I can remember, each day when my sobs would calm after the school bus pulled away with my brothers and sister, I would walk the three blocks or so to "Mama's" house, walk in and make myself at home, and of course talking her head off with my non-stop chatter and questions. Mama was often grieved by my appearance upon arriving at her house in the mornings or in the afternoons. I never realized it at the time, but in thinking back to some of the sad, worried expressions that would cross her face, I know now that she was sad that I had no real mama at home who cared to know where I was, at the age of four and five, whether I had a hot meal, clean clothes, shoes on my feet or a bath to wash away the dirt and grime each day. "Poor child," she would say, " when's your mama gonna give you youngins a bath and put some clothes on your that scrawny little body of yours?" I don't recall not having any clothes, but I do remember being taken, more often than not, down the hall to the bathroom, stripped naked and plopped into a hot bath and scrubbed raw to get every inch of dirt and grime out of my hair, my skin, feet, and anywhere Mama thought was not squeaky clean. She would wrap me in a great big fluffy towel that always smelled like soap and then carry me to one of the kids' rooms where she would pull out pair of pants, as close fitting as possible, and a t-shirt. Sometimes Mama would even try on a pair of shoes and order me never to lose them or I'd have my hide tanned sharp! Unfortunately, the shoes often disappeared or were forgotten here or there, and soon Mama would shake her head and even cry, I believe, holding me in her lap as she rocked in an old wooden rocking chair on the porch. "I can't provide you anymore shoes baby," she would say. "I gives you what I can, breakfast, lunch, dinner, anything your need, but I have no money enough to keep putting clothes on you or shoes neither and clothing my own yungins too."
I didn't understand at the time why it grieved her so deeply that she could not do more for me than she did. I thought she was sent from heaven and was perfect. I would usually pat her cheek, and ask her to tell me what it was like in heaven, because I knew she was an angel and had to have met God and everything. With her soft, southern accent, Mama would tell me that in Heaven, Jesus was making plans for me. And that he had sent many angels to watch over me and TJ, because with the life we lived, God knew we needed extra angels to watch over and protect us. As she would talk in that soothing voice of her's, I often fell asleep in her arms, her soft pillowy body so warm and so comforting, her words always so tender and so loving. I wanted so badly for Mama to keep me. I remember asking her if I could stay and be her little girl, and she laughed this deep barrel of a laugh, her belly shaking and her old, leathery hands slapping her knees. When she finally composed herself, she looked at me and said, "now baby, I luvs you like you my own baby girl, but I'm as black as that black cat there" pointing at her cat, "and you is as white and freckly as they come! Don't you know nobody gonna let me keep you as my yungin?" I believe if society at the time wasn't so narrow minded and ignorant, Mama would have done what she could to take me in as her own, but each day at the same time in the afternoons, as the school bus dropped off Mike, Angie, and TJ, Mama would hurry me off to home and tell me to behave for my brother and sister and not to get into trouble or she'd hear of it and tan my hide. I never wanted to disappoint Mama, for her love and attention was all that I ever received, and I was so afraid that if I ever made her upset, she'd tell me to go away and never come back. Today, of course, I know this to be the exact opposite, for there were many things I did with TJ that frustrated Mama and often had her complaining of negligent parents, who didn't even know they had their own child starving for attention so much so that we would do good or bad for someone to take notice.
I'm not exactly sure how much time had passed, whether one year or more, maybe not even that long at all, but one day I recall going to Mama's house from the bus stop and she sending me home right away, saying that my mother was calling all the neighbors looking for me, that she was about to leave without me and she was not about to stick around and wait for me to get my butt home. I remember the worried look on Mama's face, how she crinkled her eyebrows together, and how she stood at the edge of her walkway, watching me make my way home. I turned around once and saw her standing there, wiping her eyes, and I stopped for a moment, not sure of why she seemed so worried and so sad. I remember walking a few more feet and then turning around to run back to her. This was the last time I would ever see Mama or feel her embrace. Her tears soaked my cheeks and I pleaded with her not to cry. I remember putting each of my hands, one on each of her wet, soggy cheeks, and shaking my head and telling her, "poor baby, don't cry. What's wrong, baby, what's wrong?" A perfect imitation of how she would comfort me on days when I would still have tears on my own cheeks from the bus taking my brothers and sister away.
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Story of My Life by Eravita® 2014


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1163 San Carlos Ave, San Carlos, CA | Directions 9407037.506544 -122.260650
M-Th 11-10:30, F-Sa 11-11:30
Neighborhoods: San Carlos
Great food, great atmosphere, good prices – We go here a couple of times a month and are always happy with the food and service. They have a great selection of drinks including some really great regional microbrews.
Don't Bother – The food is very good, unfortunately the service stinks. If the girls does not mess up your order, then the kitchen usually take forever to make it. If you want a good sports bar check out The Old Pro in downtown Palo Alto, the girls are hot, the service is great, and they have more sports!!
Good wings – Sneakers is a great spot to watch games. Each booth has it own TV that you can tune to your game of choice and there are plenty of other TVs so you can catch several other games also. The food is good including the wings and chicken philly.
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