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"How to Cope With The Daily Stresses of Life"
We've all been stressed, or are currently stressed. Some of us are better at dealing with it, while some of us have a harder time handling it. Stress is often difficult to process feeling and identify where it begins, the root of the problem. For the majority of us, we don't want stress and run away from it. But, it is not always easy to run away from. Whether we like it or not, stress may just exist in our lives. Given a certain circumstance or lifestyle change stress may not be avoided, but it can be significantly decreased or taken under control.
When I was feeling stressed beyond belief, like there was no way out, I had to find ways to decompress and take back my life. I wanted to be happy and I didn't want life to bring me down. I like to live a vibrant life, full of adventure. There was a point in my life where the party was over. I needed to make a change.
The first thing I did to rectify my stressful situation was to create a routine. We all know that a lot of things in our lives are out of our control. There are, however, things we can control. For example, what we eat, when we wake up and go to sleep, and how we start our day. When things start to get out of hand and feel unstable we need to create a plan for stability. Plan your day out the best way that you can and create a routine. But, the only way it works if you stick to it. It takes 21 days to form a habit; use those 21 days to see it work.
Sure, everyone goes through problems and issues of their own. Stress comes in many shapes and forms. What may be stressful to someone else may not be stress to you. That is okay. We are all different. What I find that helps me out tremendously is pointing out something positive about every day. It could range from day to day and be about anything. One day my positive moment could be the beautiful bird I saw fly in the sky. The next day it could be a compliment I received. It is important for us to acknowledge that not everything in our life is bad. We must focus on the good things that happen too instead of always focusing on the negatives aspects of life. Once we begin to do this, some of the things we may see as stressful will begin to melt away.
I made a great goal, I think, to help me become a better runner and train for a 5K. I challenge myself to run 1 mile every day. Exercise, especially high intensity exercise, helps blow off steam. This is by far the best thing I can do when having a bad day. I feel great, I get to sweat and I forget all of my troubles when I run. I recommend that everyone develops some sort of workout routine. Not only does exercising make you feel great, but it always makes you look great too ;) And who doesn't want that.
Most importantly, when you are overwhelmed remember to breathe. Take deep breaths periodically during the day. Count slowly and breathe. When we breathe deeply, and with purpose, our muscles start to relax and send signals to the brain to release tension. Don't let stress take over your life. Breathe your way to relaxation. Your mind and body will thank you.
By: Rachel M. Roberts via EIC Le'Keshia Smith


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Wednesday, 5 October 2011
Guernsey: Finance Sector Code of Corporate Governance
The Guernsey Financial Services Commission (GSFS) has published its Finance Sector Code of Corporate Governance: see here (pdf). The Code contains principles and guidance and comes into force on 1 January 2012. From 2012, companies will be required to produce an assurance statement, in which their directors confirm that they have considered the effectiveness of their governance arrangements and are satisfied with their degree of compliance with the Code's principles (or the alternative Codes accepted by the GFSC). Precisely when and how these statements should be provided has not yet been decided.
Posted by Robert Goddard at 14:00
Labels: board of directors, code, financial services, guernsey
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subset: commoncrawl


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- Back to Home »
- On-Demand Delivery Startup Postmates Is Preparing For Launch In New York City
Postmates is looking to expand its business and make mobile, on-demand deliveries a widespread thing throughout cities around the country — that we already know. The company has been operating in San Francisco for a while, and launched in Seattle about three months ago. But where will it land next?
All signs point to New York City.
Postmates has a mobile app that allows customers to get food from restaurants, groceries, and even goods from retailers like the Apple Store or Nordstrom delivered within an hour for a low, fixed price. Thanks to a little scouring of the Internet and some clues that the company has left behind (as well as a photo from a local
hipster tipster), we have reason to believe that the Big Apple will be the next city to have delicious lunches (or anything, really) delivered with just a few clicks of the Postmates mobile app.
For those of you in New York, don't get too excited — yet. People who have downloaded the app there can't quite use it yet, several of my
friends sources have confirmed. That said, a tipster in New York swears that he saw a Postmates-branded bike courier tooling around the city, and sent along this photo. (Thanks, Jesus!*)
Anyway, if Postmates is about to launch in New York City, it shouldn't be a huge surprise. Back when I talked to him about Seattle, Postmates CEO Bastian Lehmann had mentioned it as an ideal market for future expansion.
Oh yeah, and the startup has been trying to recruit couriers on Craigslist for about a month now. The company has also recently been looking to hire an operations manager in New York over the last few weeks.
Want more proof that an NYC launch is probably coming soon? Well, Postmates CEO Bastian Lehmann is in New York City right now as we speak. Coincidence? We think not.
@ded No idea. I'm in New York. Want me to look into it or is someone on its way?—
Bastian Lehmann (@Basti) May 23, 2013
(For what it's worth, he hasn't responded to our requests for comment.)
In March, Postmates announced that it had raised $5 million in funding led by Founders Fund as it looks to expand. Other investors include Crosslink Capital, Matrix Partners, SoftTech VC, AngelPad, David Wu, Thomas Korte, Naval Ravikant, Russell Cook, Russel Simmons, Walter Lee, Andy McLoughlin, Scott Banister, Paige Craig, and Jawed Karim.
* Tipster's name was not actually Jesus.
Ryan Lawler 24 May, 2013
Source: http://techcrunch.com/2013/05/23/postmates-nyc/
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For most of us, our Instagram feeds are an endless stream of posts from people we don't personally know. A cast of characters who we follow, but aren't acquainted with. How did we come across them? Hard to say. A sweet #ootd that made it into our digital field of vision? Tagged in the photo of one of our favourite brands? From a tenacious session of creeping? All highly likely and could have easily contributed to the origin story of any one of the people on our substantial following list. While we may possess our own group of friends IRL, for many the way you interact with these influential strangers, or at least the attention you pay to them is much higher than what you pay many of your actual friends.
Think about it. You're scrolling through your Instagram more than you're scrolling through the photos in your camera roll. You're double-tapping these celebrities and influencers' photos more than many of your pals' – admit it, you're creeping [insert random fashion influencer you follow] way more than you're creeping your bestie and the algorithm knows it! Most brands – at least the ones who are paying attention or who have savvy agencies lending their promotional prowess to the brand's strategy – have caught on to the power of the influencer and are harnessing that force for the good of their own brand. At the beginning of the year we outlined some of the top influencer marketing trends to pay attention to in 2018, but now that we're 6 months in, we thought we'd take a look at what's been happening and what's to come. Which industries are emerging or rapidly expanding and who are the niche influencers that will represent them best?
In the vein of end of the school year yearbook superlatives, we've put together 5 different types of influencers that are crushing their niche markets this year. Brands, say hi to your new BFFS!
Most likely to invest in bitcoin
About: Meet Timothé the Transformist. He's incredibly digitally savvy, connected, and informed. He's got his finger to the pulse of all things tech. Blockchain? Yeah, he understands it. Not just 'watched a Netflix doc and pretty much gets it' understands it. Like 'consumes news on the matter daily and is well-versed in the concept and issues surrounding it' understands it.
BFFS: Tech apps, smart tech, IoT, fintech, cryptocurrency
Most likely to be high at grad
About: This is Charlie the Cannabis enthusiast. Listen, despite the rapidly approaching freedoms surrounding cannabis, the limitations within the community still remain. That's why it pays to have a friend like Charlie! Not only does he have the best weed, but he's more than just smoke and mirrors, he's got savvy ways to organically get the word out about your brand, making everyone want to be best buds with your product.
BFFS: Cannabiz, lifestyle, wellness, health
Best smile/Prettiest eyes
About: Meet Vyola the Virtual Influencer. She almost looks totally normal, right? WRONG. She's not real. She's a cleverly designed influencer avatar. Why hire a human and deal with the unpredictabilities when you can work with this camera-ready character? Sure, there may be some legal uncertainties surrounding collaboration with Vyola, but this partnership would solidify your standing as an innovator in the market.
BFFS: Virtual reality, beauty, fashion, lifestyle
Most likely to pull an all nighter
About: Have you met Elliot the eSports fanatic? You can find him listening to cool music, Red Bull in hand, and video game controller/device/keyboard/mouse in the other. His Twitch account is lit and has been crushing it at every gaming tournament he attends. It's hard to believe people actually do this for a living, but then you realize it's a $1.1 billion dollar industry and have that 'Why didn't I think of that' moment.
BFFS: Gaming, eSports startups, gamified apps
Most likely to be found in a camper van
About: This is Amber the Alternative Travel Influencer. You're not likely to find her at a traditional all-inclusive or 5-star hotel, she's way more adventurous than that. She's part of a nomadic clan, travelling the globe looking for the most unique experiences. Find them at the coolest boutique hotels, voluntravelling, renting beautifully unusual Airbnb's, or hitting the road in a glorious, silver aluminum Airstream trailer.
BFFS: Non-traditional travel biz, hospitality, recreational vehicles, travel apps, new and unique rental services, lifestyle
While we'd like to give a traditional "Don't ever change!" yearbook shout-out to our up-and-coming influencer homies, that's just not going to happen. New industries are always emerging, fresh influencers are arriving on the scene, and those already there are finding ways to adapt to this ever-changing environment of innovation. Look to those industries, and you'll know where to find the next big influencers are hanging out.


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- This event has passed.
General Meeting – Robert Vanelli
November 13, 2017 @ 6:15 pm - 8:00 pm
Robert Vanelli, from Exposure Photographic Arts Studio , will discuss the importance of developing a system for Post Processing Workflow. Vanelli, as he likes to be called, lives in Melbourne and is a sports photographer. Vanelli says that software will change, but it's the process that needs to be the same.
Robert Vanelli (Vanelli to his friends) is a working photographer, educator and author living in Florida. After a successful career as a three-time, Triple Crown Karate champion, Vanelli turned his attention to teaching the visual arts. As an experienced educator, Vanelli has created several photography and digital workflow programs including Click for Kids.
Currently he is teaching workshops, writing for Photofocus and creating tutorials for various plug-in companies and for the Vanelli and Friends series. You can find out more about Vanelli at www.VanelliandFriends.com


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Taking part in sporting activities and getting regular exercise is good for your health, but sometimes this will inevitably result in injuries.
Most people will only ever experience minor sport-related injuries such as cuts, bruises, blisters and swelling, however professional athletes are likely to sustain more serious injuries at some point during their career because of the intense nature of their training.
Sports injuries can be described in two main categories:
- Sudden injury – the result of a sudden impact or an awkward movement
- Overuse injury – an injury that develops overtime due to overuse of particular body parts or poor technique such as tennis or golfers elbow.
Affected areas of injury usually include:
- Muscles
- Bones
- Joints (elbow, hips, ankles and knees)
- Tendons (tough, rubbery cords that link the muscles to the bones)
- Cartilage (tough, flexible tissue that surrounds the surface of joints, allowing bones to move over one another)
- Ligaments (thick bands of tissue that connect one bone to another)
Raj Bhatia treats amateur and professional sports-persons with hand and wrist injuries. He is the preferred hand and wrist surgeon for Gloucestershire County Cricket Club, Bristol Rugby Club and Bristol Rovers Football Club.
Raj specialises in the prevention and treatment of sports-related injuries. Since 2008 he has enjoyed working in association with Gloucestershire County Cricket Club as the team's hand and wrist surgeon.
Raj and the club Physiotherapist, Steve Griffin, have been conducting a study examining hand and wrist injuries sustained in a professional cricket team and their subsequent treatment. Their results were presented at the annual British Society for Surgery of the Hand meeting in Newcastle. Please click here to view the published paper.
Raj was recently interviewed by the Bristol Post regarding this research and the injuries sustained in professional cricket. To read the article, please click here.
Between 2008 and 2013, 64 injuries were treated, which amounted to a total of 1,516 playing days being lost during this period. The majority of the injuries were sustained in the little and ring fingers during fielding. Mr Bhatia says simple interventions such as buddy strapping of the ring and little fingers during fielding can help reduce the incidence of injury in professional and amateur players alike.
Mr Raj Bhatia with rugby broadcaster John Inverdale, presenting 13-year-old Kruz Belcher with the Bristol Post's 2014 Cricketer of the Year award. Click here to read more about the Awards on the Bristol Post website.
"Being a professional cricket club, wrist and hand injuries are very much part of my job as the lead physiotherapist. We have injuries of all types some from trauma and others overuse. We have used Raj Bhatia of Bristol Hand Surgery for all these injuries in the last few years. He has always provided us with expert advice, accurate diagnosis and effective treatment, both conservative and surgically, allowing our players to be back playing in the shortest possible time."
Steve Griffin (MSc MCSP)
Lead Physiotherapist, Gloucestershire County Cricket Club
Preventing sports injuries
It is not possible to prevent all sports injuries from occurring, however there are steps that you can take to reduce your risk of getting injured, such as:
- Warming up properly
- Not pushing your body beyond its fitness level
- Learning correct techniques
- Using safety equipment such as shin guards, scrum hats and gum shields
There is plenty of useful information on how to avoid sports injuries on the NHS choices website:


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The Institute was established in 1984 under the name Arthur C Clarke Center for Modern Technologies (ACCMT) by an Act of Parliament to accelerate the process of introduction and development of modern technologies in the fields of Communications, Computers, Energy, Space Technologies and Robotics, through the provision of training and research facilities. Basic infrastructure was established in 1986 and the technical activities commenced in early 1987. With the introduction of the new Science and Technology Act in 1998 the Centre was re-named as the Arthur C Clarke Institute for Modern Technologies (ACCIMT).
As of today the Institute is actively involved in the areas of Communications, Electronics, Microelectronics, Space Applications and Information Technology where a team of engineers, scientists and other related professionals are working towards self-reliance in the areas related to modern technologies.
Besides extensive R&D activities, Institute is heavily involved in Continuing Professional Development (CPD) activities and youth training programmes, in addition to its consultancy services for the industry. Institute has the infrastructure and human resources for development of products, systems and techniques for industrial applications in electronics, communications, space technologies and IT sectors.
Current Services
- Research and Development
- Test, Measurement and Calibration Services
- Continuing Professional Development Programmes
- Consultancy Services / Industrial Assistance
- Library / Information Services
Research and Development
The research and development laboratories of the institute are well equipped with modern instrumentation and computer systems, which support applied research and product development related to electronics, telecommunications and microprocessor based hardware. Currently the institute has undertaken various demand driven research and development projects from both government and the private sector with a view to promote local manufacture of high-tech products. The research and development team of the Institute is quite dedicated towards internationally competitive design and development activities.
Continuing Professional Development (CPD) Programmes
From time to time the institute announces high-tech training programmes for professionals and senior managers who are serving the local industrial sector. These short-term training programmes are geared to provide the most up-to-date information in the subject areas related to microelectronic applications, communications, remote sensing & GIS and computer systems. These short term courses have a fair component of hands-on sessions.
Industrial Assistance / Consultancy Services
The institute's professional staff who are well experienced and highly skilled in managing and servicing high-tech industrial systems, offer their expertise and the laboratory facilities to the local industry with a view to assist managing modern industrial systems such as microprocessor based machinery, telecom systems, information systems and computer networks etc. Further, the institute offers diagnostic, test, measurement and calibration services for sophisticated instruments and systems.
ACCIMT Library / Information Services
The Library Institutional Membership has been introduced by the Institute to meet the current demand from the technical, non technical professionals and from the decision makers of the private and public sector institutions to access latest, scientific and technical information.
National and International Links
The ACCIMT is closely associated with the local universities and other industrial institutions. It has close links with foreign Universities, Research and Development institutes as well as UN agencies, where several collaborative programmes are currently in progress.
To be a leading innovation centre for Modern Technologies in the region
To develop, foster and facilitate the domestic base of modern technological capabilities through innovation, R & D, training, industrial services and international collaboration"
The functions of the Arthur C Clarke Institute for Modern Technologies as specified in the Act are as follows:
- to accelerate the introduction of modern technologies to Sri Lanka by
- initiating, promoting and conducting research and development in the application of modern technologies
- providing research and development support to the Government and private sector undertakings in the application of modern technologies and
- training of personnel in modern technologies to meet the needs of the Government and private sector undertakings and
- to promote future studies
The areas of modern technologies include Communication and related Sciences, Information Technology, Electronics, Micro-electronics, Space Technologies, Robotics, Photonics and new materials.
- Prof. U. Sonnadara – Chairman, Board of Governors
- Mrs. Himali Athaudage – Acting Director General & CEO/ Member Board of Governors
- Prof. Chandana Jayaratne – Member – Board of Governors
- Prof. K K C K Perera – Member – Board of Governors
- Mr. Murad Ismail – Member – Board of Governors
- Prof. Sudath Rohan Munasingha – Member – Board of Governors
- Prof. Gamini Senanayake – Member – Board of Governors
- Dr. Charith N W Giragama – Member – Board of Governors
- Ms. N R Anees – Member – Board of Governors
|Prof. Upul J. Sonnadara
|Mrs. Himali W K Athaudage
|Director General (Acting)
|Mrs K Ediriweera
|Deputy Director General (Technical Operations)
|Mrs J P D S Athuraliya
|Director (Electronics Engineering)
|Mr J K Jayawardene
|Director (Communication Engineering)
|Mr R P Dasanayaka
|Acting Director (Information Technology)
|Mrs P D C Janashanthi
|Acting Director (Instrumentation)
|Mr R A S S Gunasekera
|Acting Director (Space Technology Application)
|Mr S A Welikala
|Senior Deputy Director (Technology Transfer)
|Mr Ashoka S Weerapperuma
|Senior Deputy Director (Finance)
Srilankabhimanya Sir Arthur C. Clarke, was the first to introduce the concept of extra-terrestrial communication through geo-stationary satellites as far back as 1945. Besides this, there are several other similar visionary and futuristic ideas as well as his works as a prolific author of science fiction has immensely contributed to his global fame.
Sir Arthur was born in the 1917 at Meinhead in the UK. He chose to live In Sri Lanka from 1956. He contributed to Sri Lankan society with his vision, writings and predictions and brought fame to the Island for a period of over half a century until his demise on March 19, 2008.
Sir Arthur was known to many as a superb science fiction writer. His fictions have specialty, mainly because they were based on some fundamental scientific elements. Therefore many of the creations were not impossible and could actually be materialized some day – in a few years or few centuries. His curiosity of science, experience at the Royal Air Force, UK during the Second World War as a RADAR technician and studies leading to a Bachelors' degree from Kings College, London in mathematics and physics would have influenced him to author realistic science fictions. He had also written a number of popular nonfiction books and over 500 science/ technical articles.
The most acknowledged of the technical articles written by Sir Arthur was "Extra-terrestrial Relays: Can Rocket Stations Give Worldwide Radio Coverage?" published in the Journal "Wireless World" UK in October 1945. That article demonstrated the concept of geo – stationary satellites, and with three such satellites properly placed in orbit, global communication coverage could be achieved. This was published long before man-made satellites were launched.
Sir Arthur C. Clarke loved and cared the nature. He first settled down at Unawatuna on the south coast of Sri Lanka and later came to Colombo. He enjoyed scuba diving and was very interested in under – water exploration.
In the early part of nineteen eighties, the government of Sri Lanka decided to setup a centre for Modern Technologies. The scientists and administrators contributed to this task, associated with Sir Arthur C. Clarke from the vey beginning and he even donated the prize money he received from the prestigious Marconi Award to be used in setting up the center for modern technologies. Sir Arthur C Clarke had been the Patron of this institute until his demise in March 2008.
Sir Arthur C.Clarke also functioned as the Chancellor of the University of Moratuwa, over two decades from 1979 to 2002. He was awarded an honorary doctorate by the University of Moratuwa in recognition of his achievements and services.
Sri Arthur C Clarke's demise is a great loss to Sri Lanka and to the world. His service to the nation will however remain forever etched in our annals.


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My Health Portal is a secure online website that gives patients convenient 24-hour access to personal health information from anywhere with an Internet connection. Using a secure username and password, patients can view health information such as:
With your health portal you can:
There are many benefits to receiving care at an Imaging Center that is integrated into the acute hospital setting, like that of Tri-State Memorial Hospital. These advantages include:
From routine X-rays to complex MRI scans, we provide a full range of diagnostic imaging services. Some of those services include:
64-Slice CT Scanner
Tri-State's 64-Slice CT Scanner allows advanced visualization of body structures in an incredibly rapid manner. The speed of this scanner allows Tri-State Imaging staff to capture diagnostic images of organ structures that slower scanners aren't able to visualize very well.
3.0 Tesla MRI Scanner
The 3.0 MRI Scanner's advanced technology allows our staff to perform neuro, breast, musculosketal, vascular, cardiac, and body imaging with astonishing detail and accuracy.
Ultrasound (including 3D/4D)
Though Ultrasound is most commonly associated with pregnancies, it is also used to obtain images of the heart, abdominal and pelvic organs, and vascular systems throughout the body.
Specially trained and certified Technologists staff Tri-State's Imaging Center. Our two board-certified radiologists are Dr. John Mannschreck and Dr. John Whitaker.
Tri-State's Imaging Center is open Monday through Friday from 6:30am to 6:00pm.
For more information, please call the Tri-State Imaging Center at 509.758.4658.
See Women's Imaging & Diagnostic Center for more services offered in the Tri-State Imaging Center.


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Frustration was the issue, and for both sides. While Albemarle had the vast majority of corner and free kicks in its favor, things didn't work out on that end. Deep Run capitalized on fast breaks and was about as opportunistic as a team could be. But in a foreshadowing of events to come, Patriots keeper Thomas Leckrone came up with three clutch saves in overtime and helplessly watched one shot that would have ended Albemarle's hopes just sail wide.
"We lost in PK's last year so we knew we had to be ready this year if it came up again," said Albemarle coach Zach Laird. "Our guys bury them in practice every day so there was no doubt about that in this game. And Thomas, he plays against the best. He doesn't get the spotlight often but he's such a rock. I trust these seniors with everything."
The Patriots and Wildcats couldn't solve things in regulation, couldn't solve them in overtime. So to penalty kicks it went. It was there that Albemarle took a close game and blew it wide open. Three shots, three goals for the Patriots. Three shots and three saves from Leckrone with the last cementing a Class 5A championship in a 3-3 game decided by a 3-0 PK session.
"The PK's at the end, we've been practicing them all season," Leckrone said. "We've got our boombox, we play static super loud and you just have to go for it, can't think at all."
The first half saw four goals between the two schools with Albemarle getting on the board early thanks to pressure from Daniel Starr which led to an own goal. But back-to-back break away goals from Deep Run's Alex Saur and Luke Lawry gave the Wildcats a sudden 2-1 advantage in just a four minute span. The Patriots answered with a Wes Cheulk goal with just under seven minutes until the break to make things even at 2-2.
The second half went just the like first. Deep Run got a perfectly placed shot from Matthew Shriner to the top right corner of the net 13 minutes into the second half. Then Albemarle answered in kind with Nicholas Matavelli stepping up from a defensive position and cleaning up a scrum in front of the box to get the equalizer at 3-3 with 19 minutes left.
"The ball rolled out and I saw it and knew what I had to do," Matavelli said. "I just kicked it the right way and then it just goes in. We knew we needed it and it was just the fuel to the fire."
The next 31 minutes, 20 of them in overtime, saw seemingly countless opportunities for both sides. They also saw the heat take its toll with cramps sidelining player after player. Both teams agonized through the overtime and then all of the sudden, the Patriots found new life in penalty kicks.
"I can't think of any other team I've played on that could go down twice like this in a state championship game like this and just kept with it and got that equalizer and just kept going," said Albemarle senior Andrew Weber. "It's unheard of, at least on any team I've been on."
The Patriots took the first kick and junior Brandon Mahon had little trouble making it 1-0. Then Leckrone walked out to meet his first kicker face to face, stare him down and then walk back to the line.
"Yeah Thomas does that, he's just intimidating and of any of the final four teams here (this weekend) we knew we had the best goalie," Weber said. "There's nobody else I'd want back there. He just knows how to come up with those huge saves."
He did it all three times he faced a shot. He stopped the first PK. Then Daniel Starr buried his shot to make ti 2-0 for the Patriots. Leckrone's second save was dicey with the ball nearly rolling back past the goal line but the save gave Albemarle a substantial advantage. With Logan White connecting on his shot right afterwards, the worst the Patriots could do was tie and force more PKs. Leckrone made things easy right after that with a third straight stop to wrap up the win and give the Patriots a third state title since 2012.
Albemarle has played in a state title game in 2012, 2014, 2016 and now 2018 and gone 3-1 in the process. With the program's first state title coming in 2012, expectations have changed. Now a senior class, with Weber among them who has a two state titles to his name, the bar is pushed higher for a group that returns an awful lot of talent in 2019. And perhaps nobody has had a better vantage point on that than Nicholas Buck, who's been sidelined with injury. Buck, a senior, played on the 2016 title winning team and got to participate on the sidelines in a different way after a season ending injury.
"Not going to lie, there are some pretty big shoes to fill, but I have so much faith in this group," Buck said. "Wes Cheuk, Brandon Mahon, Daniel Starr, they can play. They can hold this up."
While the Patriots have won state titles previously, they have not gone unbeaten before. So at 20-0-1, this Albemarle team now has something unique, as if a championship isn't enough. But when you're trying to beat out previous state title accomplishments at your own school, you've no longer arrived. This is about legacy. In six years, a lot has been established across the state about what Albemarle soccer is. A perennial threat. At the worst, a lock in the even years.
"It still doesn't seem real for me," Laird said. "But I think it will soon enough."


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Middle of the day lift for ASX: 0.7% higher at noon
07 Dec 2018 – The ASX has rebounded from its three day sell off with most sectors trading higher at noon and just Materials lagging, despite the iron ore price trading under US$67. Wealth manager IOOF (ASX:IFL) saw a huge drop in their shares after APRA notified them last night that they are calling on disqualifying a host of senior executives.
Source: Finance News Network


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Related on TestTube
Why Being Fake Is Bad For Your Health
How Creativity and Mental Illness Are Linked
Learn More:
What causes depression? (Harvard)
"It's often said that depression results from a chemical imbalance, but that figure of speech doesn't capture how complex the disease is. Research suggests that depression doesn't spring from simply having too much or too little of certain brain chemicals."
How Anti-Depressants Create New Brain Cells (Science Daily)
"Antidepressants increase the presence of a growth factor in the brain, which then leads to a proliferation of new cells, according to a study by Yale School of Medicine researchers."


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Designers Rui Pereira and Hafsteinn Juliusson have created a 'Wheel of Nutrition' dining plates design, that will reminds you to eat healthy.
These plates have different types with different proportions, such as Diet, Extra Ordinary and Super Size, for people with different needs. The proportions design is as simple as shattering the proper strategic place setting, while tinting attractive and pleasing color. There is also explanation of what each color should represent.
Very simple and clever, but you know what's funny? The fact that the portion is shaped like a pie/pizza/cheese wheel slice will make you want to eat these high-calorie/high fat food. These plates are going to be produced in Iceland by small ceramic workshop.


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I Heart MarioKart (and Parentheticals)
A couple of months ago--whenever it was that it came out in that blur of house fixing, cleaning, packing, staging, selling, packing again, and moving--we bought MarioKart, the Wii's racing game. It comes with a wheel--authentic gaming experience!--and the game itself offers a mess load of fun race tracks.
Now, I must insert here, before I go much further in my story, that I notoriously suck at any kind of "wheeled" game. Go carts? Won't touch them. Bumper cars? Always the bumpee, never the bumper. Computerized racing games? See that moron crashing into the wall and now driving the wrong way and now crashing into a wall again. Yes, it is I.
And I won't say, as you're probably expecting, that MarioKart is different, easy, a revelation in my virtual driving experience.
It's not. I still suck. But now I get to crash into cows and goompas as well as walls. And I can sabotage my fellow drivers and even the odds just a little bit with flying turtle shells and banana peels.
(Thanks to the Wiis connection to the Internets, you can also play MK against your friends and other relatively anonymous competitors worldwide. Which is to say, I'm easy pickins, my people. Easy win.)
Back in our younger college days, when we'd move Every Single Year, the stereo was the first thing to unpack. We'd set up the receiver, turntable, CD changer, and speakers, and soundtrack the entire move and unpacking process with the lilting notes of the Pixes or Sonic Youth.
Now, our life is about diversions, not ambiance, and the first thing we unpacked was the Wii. And we've been playing MarioKart every night (and a few moments inbetween) since we moved in.
Finn loves it. And I love Finn for loving it. One, because he's such a trooper about trying a game that really exceeds his level of expertise. (Really.) And two, because I can beat him, a simple fact about which I harbor no guilt or sentimentality.
Take that turtle shell, my precious spawn. Mama's gonna place tonight!


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Dark Water
Kula Gulf
Lost at Guadalcanal
Press Page
About the Author
John J. Domagalski (www.pacificwarauthor.com) is the author of
Under a Blood Red Sun: The Remarkable Story of PT boats in the Philippines and the Rescue of General MacArthur
. It is the story of a small group of American sailors fighting the Japanese – and desperate circumstances – in the Philippines during the opening days of World War II.
He is also the author of three other books.
Into the Dark Water: The Story of Three Officers and PT-109
(Casemate, 2014) uses the stories of three young naval officers to tell the World War II saga of the warship made famous by John F. Kennedy.
Sunk in Kula Gulf: The Final Voyage of the U.S.S. Helena and the Incredible Story of her Survivors in World War II
(Potomac, 2012) reveals the amazing little-known story of heroism and survival at sea following Helena's sinking in 1943.
Lost at Guadalcanal: The Final Battles of the Astoria and Chicago as Described by Survivors and in Official Reports
(McFarland, 2010) follows two World War II American warships through one of the U.S. Navy's greatest naval defeats. His articles have appeared in
World War II History
Naval History
, and
World War II Quarterly
Domagalski's fascination with history began at a young age by building model ships and reading books about World War II. The interest eventually grew into research and writing. He has interviewed scores of veterans who served in the Pacific during World War II. He is a graduate of Northern Illinois University and lives near Chicago.
Press Page
Copyright 2017 John J. Domagalski
Published Articles
"Disaster at Cavite." Naval History, December 2018
"The Last Days of the USS
World War II History
, October 2017
"Pre-War Voyage Down Under."
Naval History
, February 2017
"Chicago's Military History Mecca."
Naval History
, December 2016
"Struggle to Save the
Naval History
, December 2015
"Naval Assault on Munda."
World War II Quarterly
, Summer 2015
"Midnight in Iron Bottom Sound."
World War II History
, June 2015
"Shootout in Kula Gulf."
World War II History
, June 2014
"Shootout in the Slot."
World War II Quarterly
, Fall 2012
World War II History
, September 2012
"Composure Amid a Naval Disaster."
Naval History
. August 2012
"Underwater Ordeal at Christmas Island."
World War II Quarterly
, Winter 2011
"The Heroic Flight of Torpedo Squadron Eight."
World War II History
, January 2010
"Disaster off Savo Island."
World War II History
, September 2009
"Fiery End for
World War II History
, November 2006
"Lieutenant Commander Edward 'Butch' O'Hare became a National Hero for His Exploits in Aerial Combat against the Japanese."
World War II History
, March 2006


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Perhaps one of the inspirations that helps guide the serenely ambitious would be that of attempting to find the levels of vibration in life that allow us to successfully and blissfully rest upon the synchronicity of Nature matching Our Nature. I've found that happiness is inescapable when my vibrations match those vibrations that surround me in a whole variety of moments in life. The goal, it appears, is to find that inner place that allows you to manifest those vibrations most necessary in any and all of life's circumstances. There is no need for a search…no need for a journey. After all, there is no real destination. The Journey IS the Destination…and we are all on it, without having ever "officially departed," whether we're aware of it yet or not. Thus, in the so-called quest, the discoveries we so seek happen upon us like a Ghost of Love…all-encompassing, yet without intrusion. The realization comes when we allow thought to wane and embrace the vibrations…….
Syncing Nature With Nature
Posted by SFHofficial in STREAM of CONSCIOUSNESS and tagged as Consciousness, Foster, Happiness, Harris, Journey, Nature, Quest, Scott, SFH, Stream, Thoughts, Universe, Vibration
Shades of Blue
Open up the still, let the wisdom flow
Tumble down the hill like a drunken stone
Carry me away, show me how to pray
Lead the way as the story all unfolds
Teach me of the old, now, baby
Teach me of the new
Open up my eyes to all the different shades of blue
Shake the apple tree, watch the oranges fall
Let tomorrow be what the past recalls
Gypsy in the sky, velvet flying by
Cover up the lies behind the wall
Teach me of the old, now, baby
Teach me of the new
Open up my eyes to all the different shades of blue
Look into the eyes of the man in glass
Try to see inside the reflection's past
Windows in our doors, spy holes in the floor
Try to find to cure just as you collapse
Teach me of the old, now, baby
Teach me of the new
Open up my eyes to all the different shades of blue
Posted by SFHofficial in LYRICS and tagged as Blue, Evolution, Foster, Harris, Ideas, Lyrics, Poetry, Scott, Shades, Thoughts, Wisdom, Zen
Vienna, Austria is calling!!! Working on the new album…
Hey folks, I'm heading to Vienna, Austria in the morning where I'll be working on the next segment of my new album. I'll be there for a while recording, playing shows throughout Europe, enjoying a life of music, etc etc… Very much looking forward to it! I'll keep updating everyone as to the progress of the new album AS WELL AS to dates and locations of shows/tours. Stay tuned and stay in the loop!
Peace and Cheers,
Posted by SFHofficial in NEWS and PRESS and tagged as album, Austria, Europe, Foster, Harris, Record, Scott, Show, Tour, Vienna
Many Thanks to Brian "The Hammer" Jackson and New Jersey Senator Robert Singer!!!
Hey people!!! Many, many thanks to EVERYONE all around the world who tuned in to the interview today with myself, Brian "The Hammer" Jackson and New Jersey Senator Robert Singer on BlogTalkRadio. We had enlightening and inspiring discussions regarding today's Recording Artists, the Music Industry, Music itself, where the art is heading, where the business is heading and how to take advantage of it, several "debaucherous" activities of the past and, more than likely, the future, and My New Upcoming SOLO album currently slated to be released sometime in the Fall (stay tuned for details regarding the date). Additional topics discussed with the Senator were "The New Republicam, Immigration, and Gun Control…..interesting and incendiary topics indeed! Stay tuned for more upcoming shows on BlogTalkRadio with the legendary Brian "The Hammer" Jackson!
Posted by SFHofficial in INTERVIEWS, NEWS and PRESS and tagged as Blogtalkradio, Brian The Hammer Jackson, Foster, Harris, interview, politics, press, release, Scott, Scott Foster Harris, Senator, Senator Robert Kelly
Scott Foster Harris and Senator Robert Singer to be on BlogTalkRadio w/ Brian "The Hammer" Jackson (4-11-13) at 11am Pacific time.
SFH to be interviewed by radio personality Brian "The Hammer" Jackson on fireball BlogTalkRadio http://www.blogtalkradio.com/brian-the-hammer-jackson/2013/04/11/new-jersey-senator-robert-singer-musician-scott-harris-1 tomorrow at 11am Pacific time to promote the recording of SFH's first solo record slated to be released in the latter part of 2013. "The majority of the record" Scott says "is being recorded in Los Angeles, CA and in Vienna, Austria. Thus, we're really getting to bask in the creative side of things in Vienna while engaging in the professional aspects of the album on our own time in LA…not anybody else's time…which is huge when considering the artistic impact of the final product."
Included on the radio tomorrow will be Senator Robert Singer. "I know it's an unconventional mix, Senator and musician, but" as Scott continues "after my musical segment is up, I'm looking forward to engaging in whatever kind of political debate I can squeeze my way into" with a smirk across his face.
Tune in tomorrow morning at http://www.blogtalkradio.com/brian-the-hammer-jackson/2013/04/11/new-jersey-senator-robert-singer-musician-scott-harris-1.
Posted by SFHofficial in NEWS and PRESS and tagged as album, Blog, Blogtalkradio, Brian, Foster, Hammer, Harris, internet, Jersey, Los Angeles, Musician, New, Radio, Robert, Scott, Senator, SFH, Singer, Songwriter, Vienna


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15 Twitter accounts all legal professionals should follow
There are an estimated 13 million Twitter users in the UK, which gives you a heck of a lot of potential accounts that you could be following. But which ones should you follow?
From law firms and trade bodies to legal publications and service providers to the legal industry, there are quite literally thousands of organisations and individuals who each share and post some really great content that could add value to your work.
But let's be honest, the window of opportunity to trawl through your news feeds is probably so small that the very notion of having to do so puts you off even starting.
So to save you time and ensure you access the right content quickly and easily, here are 15 of the best Twitter accounts that all legal professionals should follow:
- @LawyerMonthly – We like this, not just because we've featured in it ourselves but also because it's a great resource to search the top stories from the last four weeks.
- @GlobalLegalPost – A UK take on legal news from around the world.
- @TheLawSociety – Well, we reckon you know who these guys are already!
- @LegalWeek – Really good daily news source for the latest stories making the legal headlines. Includes stories from both the UK and across the Pond.
- @Law_Practice – Less news focused and more thought leadership and sharing of best practice from those working within the industry.
- @cpsuk – If you are interested in keeping up to date with real time trials and reactions to those outcomes, this is a great account to follow.
- @TheLawyermag – Full of news, views and events from across the sector.
- @michaelcross – Editor of the Law Society Gazette.
- @legalcheek – An often quirky and humourous take on the latest legal news.
- @TimesLaw – Of all the nationals this is by far the best (The Guardian was great but they stopped posting to their legal Twitter account some months ago).
- @JoshuaRozenberg – Probably the most recognised face within the legal profession…well, as close to a celeb that we have anyway.
- @lawyerist – Great to check out over your morning brew – a great mix of lighthearted and serious coverage of topical news stories…but not too serious.
- @lawsocgazette – As the same suggests, this account provides regular updates and analysis from The Law Society.
- @PracticalLawUK – Really good resource for senior practitioners and those holding management and leadership roles within their law firms.
- @ZestRC – Of course! Helps you keep up to date with the latest legal vacancies across the South West, Wales and North West.
Have we missed any? If you have any favourite Twitterers who we have missed off our list then let us know and we'll happily include them here.


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IT ALL ENDS HERE! Em Cypress is the link between the land of the dead and the world of the living, and she must decide the future of humanity...if her sister Dana will let her! LAST ISSUE OF THE ACCLAIMED SERIES! Don't miss it!
Revival #47 is a bittersweet ending that brings action, great closure to character arcs, but most importantly, it brings plenty of emotion. If you've been following Revival over the years, this issue will pull on your heartstrings. It's not an easy accomplishment, but Revival creates a satisfying conclusion for longtime readers. Read Full Review
Revival is a celebration of life and death. It's a story about loss and how it affects the people left behind. The characters are very real, which makes the book so damn effective. I would compare it to Locke & Key in this manner, especially with how well it wraps everything up. You're not left hanging or wondering what happened to this character or that arc. It's an awesome ending. Read Full Review
Be the first to rate this issue!
Click the 'Rate/Write A Review' link above to get started.


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Not a joke title, btw. There is, quite seriously, a very good piece in the June edition of Glamour, and by that I don't mean one of those 'serious' articles about depression or domestic violence ( i.e. the ones which still manage to be shit but which you don't really want to criticise for fear of looking like a knob). This is a Glamour article on Glamour issues and it genuinely is great. This is perhaps because it's written by Zoe Williams, who is quite far from being your usual Glamour writer.
In the piece, Williams tries to live like a celebrity for a week. So far, so potentially annoying. She does all the "celebrity" stuff like having a personal trainer, getting acupuncture, eating "special" food etc. At this point it really doesn't sound good. It all sounds like an excuse for a journalist to piss about, really. Or for one of them to get all 'Louis Theroux' and take 'a sideways look' at the crazy world of celebrity rituals. Yet Williams doesn't do either of these things. She has fun, a bit, but overall seems to find it all a bit sad and pointless, and she makes it obvious to the reader why that might be so (far more eloquently than Britney Spears did with that terrible 'Lucky' song, where the superstar 'cries in her lonely world' and pisses off everyone in the entire Cosmimegaverse).
Williams discovers that her entire time as a 'celebrity' is devoted to how she looks:
In other words, just getting into the kind of condition to do a job that requires you to look like this is, in itself, a full-time job. Then I suppose you'd spend a few months doing your actual job, by which time you'd be back to square one.
Put that way, I'd prefer some half-hearted, ineffectual faffing around with my new Bad Gal mascara (free with the magazine!) before getting on with my day. Because yes, celebrities look better than I do (generally), but they probably don't feel any better:
But in the end, it's not the effort or the time so much as the sheer anxiety about your appearance that I think would get you down. There's no escaping it; you cannot look rubbish, not even for a minute […] There is so much pampering and attention, that in the end you'd either have to give in to it and believe you were that important, or you'd have to reject it, and not believe anything anyone said. It's a bit of a stark choice.
To sum up, Williams simply says "I don't think it's much fun". Which is sad given that the rest of this month's Glamour is devoted to the magazine's Women of the Year, women such Amanda Holden, Kylie Minogue, Fearne Cotton, Holly Willoughby, Lea Michele and Eva Longoria, ie women who are no doubt having precisely the utterly not-fun time that Williams describes so well (Caitlin Moran is also a Woman of the Year, but she's the exception that proves the rule. God, I hate it when people use that expression).
I've often suspected that being a female celebrity feels rubbish due to the focus on appearance, but the thing I've always dwelt on is the hunger. Being celebrity-thin has to involve thinking about food pretty much all the time. I wonder how celebrities maintain relationships since being so skinny must kill a person's sex drive (perhaps that's the real reason for so many divorces). To be honest, I wonder how celebrities do anything. And up till now I hadn't even considered all the other 'appearance' bollocks.
Obviously there are still times when I imagine myself being famous. But I would, quite clearly, have to be a) talented, and b) a celebrity minger, as it's the only way I'd be able to cope. But then being a minger would have to be a central part of my celebrity. It would make me "down to earth" and into someone who "doesn't care" about what her detractors say. I'd have to be a sodding role model, but then I'd also get lumped together with people as diverse as Ann Widdecombe and Beth Ditto as someone who "dares to challenge the beauty status quo". Because just looking the way I look, right now, would be a political act if I was doing anything at all of note. And when you look at it like that, being ugly and famous is probably just as much effort as being beautiful and famous, only in a different way.
Hence this, and not being talented, is why I'm not being famous. I'm just going to stay here, sitting on the sofa with my netbook, while my three-year-old feeds me ice-cream (it's important I eat it; I'm the first customer at his 'shop'). Unfortunately I think that, just a moment ago, he also fed me a bit of snot. I bet that never happens to Amanda Holden. So yeah, famous or not famous; I guess it's just swings and roundabouts.


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From Taylor Mali's Page Meets Stage reading series at the Bowery Poetry club in NYC.
Poem by David Bottoms, video by Chris Lee.
Thanks to Laura Sorrells for the find.
Poems by A.H. Afrasiabi, translated by Niloufar Talebi
Video from The Translation Project — a scene from Icarus/Rise, "a multimedia theatrical piece based on new Iranian poetry, created, translated and narrated by Niloufar Talebi, in collaboration with choreographer and video artist Alex Ketley and composer Bobak Salehi" (text from YouTube).
The Translation Project's page goes on to say:
Based on the poetry in BELONGING: New Poetry by Iranians Around the World, ICARUS/RISE is inspired by the Iranian spoken word tradition of Naghali, which is practiced in the streets, cafes, public rituals, or 'art music' stage. By giving this spoken word tradition new content (new poetry in BELONGING) — rather than its usual content of classical Persian poetry and myths — and fusing it with western theatrical elements, ICARUS/RISE gives voice to hybrid-Iranians, reflecting their experience in contemporary society.
I'm going to break my informal rule against featuring slideshows today, because I think these are exceptionally well done. The poet is Kwame Dawes, and the photographer is Joshua Cogan. The slideshows were produced by the Pulitzer Center, and are only one facet of a multimedia website, Live Hope Love, which includes interviews, audio of many other poems, and more. Dawes took three trips to his native Jamaica to collect materials for the project; it resembled a regular work of investigative journalism in every way, except for the fact that one of the final products was a collection of poems. His mission, according to the Pulitzer Center: "to explore the experience of people living with HIV/AIDS and to examine the ways in which the disease has shaped their lives."
Poem by Randall Jarrell, read by the author
Video by picardposer
Music: "Elysium," from the Gladiator soundtrack by Hans Zimmer and Lisa Gerrard
A tad on the literal side, but nicely done, I thought.
A masterful treatment of Rich's poem by YouTube vlogger U2bianSynic (a.k.a. Syd). The choice of music (by Tryad Listen) was particularly inspired. The recitation by the poet is from Audible.com.


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Steel Authority of India Limited Recruitment 2017 2018 - 08 Registrars Posts | SAIL Registrars Jobs Application Form Download at SAIL. Good News for Job contenders SAIL Exam Notification 2017 has announced an official advertisement for 08 Registrars Posts. Eligible Candidates can Download Application Through Official website sailcareers.com | SAIL Syllabus, Call Latter, Age Limit, Eligibility Criteria, Application Processes, SAIL Walk in Date, SAIL Result Date Details Given below Check before attend walk in Interview.
SAIL Recruitment 2017 - Registrars Posts | Download Application Form:
Organization Name: Steel Authority of India Limited (SAIL)
Employment Category: Central Govt Jobs
Total No. of Vacancies: 08
Job Location: Durgapur
Latest SAIL Vacancy Details:
Name of the Post & No of Vacancies:
SAIL Invites Applications for the Following Posts
1. Resident House Officers - 02
2. Registrars / Sr. Registrars - 06
Eligibility Criteria for SAIL Vacancy 2017:
Educational Qualification:
Candidates who have completed MBBS, PG Diploma or equivalent from a recognized Institute are Eligible to apply SAIL Recruitment 2017
Age Limit:
Candidate's Age Limit Should not exceed (For Post 01 - 35 Years), (For Post 2 - 35 Years). Candidates Relaxation in Upper Age limit will be provided as per Govt. Rules. Go through SAIL official Notification 2017 for more reference
Pay Scale Details for SAIL Registrars:
1. Resident House Officers - Rs. 25000/-
2. Registrars - Rs. 36000/-
3. Sr. Registrars - Rs. 42000/-
Selection Procedure for SAIL Registrars:
Candidates will be selected based on Interview
How to apply for SAIL Registrars Recruitment 2017:
Eligible Candidates advised to Download and read SAIL Job notification to get aware of recruitment schedule and venue from official website sailcareers.com. Candidate must reach advertised venue (Address & Walk in Date Mentioned in Official Notification) with all original document and Xerox copies, filled in application form (if required)
Walk in Venue:
Office of the Director (M&HS), Durgapur Steel Plant Main Hospital, Durgapur- 5
Important Dates for SAIL Registrars Recruitment 2017:
Date of Walk in Interview: 31.08.2017
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Oxfordshire arable manager Mark Wiseman from Manor Farm, Marcham near Abingdon, was struggling with a 25 hectare heavy clay field where blackgrass was becoming resistant to all herbicides, and yields were becoming less and less competitive, making his farm operations unviable.
"It was becoming totally unsustainable," he says.
"We'd certainly lost the battle against blackgrass after using a number of different herbicides. There was also an issue with waterlogging in the field. Over the years we tried to clear up the drainage to see if we could reduce the flooding, but with the water table so high we knew that we had to think about doing something quite different.
"We bumped into the crop miscanthus at the Cereals event, and at the time we were looking into flax as an option.
"We planted our first crop in 2012, and harvested for the first time in 2015. It was immediately apparent that the blackgrass had been blocked out – it had gone, because the canopy of the miscanthus crop out-competes it.
"Our commitment to the six-year contract with miscanthus specialist, Terravesta, was to establish a good seedbed using a deep plough creating a 4ins tilth with a power harrow so that the rhizomes have the maximum contact.
"Although the first year didn't yield greatly, producing 95 bales at 600kgs a piece, the moisture content was excellent at 10 percent, which is the level of moisture required for biomass pelleting. The good news is that every year the crop becomes more robust and spreads wider, throwing out more roots and rhizomes. Furthermore it keeps on going for 20 years: all from one root."
Mark is pleased to be part of growing a crop that looks as though it's tackled blackgrass in the first instance, and is making money from land that has been challenging, and where nothing else can grow.
"To get a guaranteed price from Terravesta, which is indexed linked, has to be greatly welcomed," he adds.
Mark Wiseman


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It's a good time to pursue financing through the U.S. Small Business Administration (SBA). The economy is growing, unemployment is low and entrepreneurs are cautiously optimistic that opportunities exist to expand their businesses.
One challenge many of these leaders face is the approach that is taken to obtain financial support, says Steven Chaker, MBA, senior vice president and regional SBA sales manager at Bridge Bank.
"The market in the SBA world is available to them," Chaker says. "The problem is they don't know how to approach lenders to get the right application and the right uses of funds. They might have a good plan and a good idea in their mind about what they want to do with their business. But they can't translate it to the lender and say, 'Here's what I want to do. Let's move forward.'"
Smart Business spoke with Chaker about the right approach to take with lenders as well as some of the changes that affect the SBA program.
What are some advantages to working with an SBA lender?
First of all, in every bank, there is a commercial lender and an SBA lender. Most banks also have an asset-based lender. Most borrowers ask for a working capital line of credit because that's what they know how to ask for.
There are several problems with this. Sometimes the request is too small for a commercial lender to look at. It may also be that the potential borrower does not have the qualifications for a commercial lender to look at their plan or their receivables may not be big enough.
Most borrowers look for working capital as a way out of an issue that they are facing. They may have incurred a little bit of debt and at the time, it looked good and made sense. But now they are paying too much per month and so they see working capital as a way out.
A better solution would be to refinance and consolidate what you have outstanding and reduce your monthly payment.
You'll be better off taking this approach than asking for additional debt on top of the debt you already have incurred. SBA lenders know how to talk to people in these situations and help them find the right solution that best fits their needs.
These lenders can take the time to look at your plan and offer feedback on what's good about it and what might require some adjustment.
The key is having a clear idea of what you want to do and the ability to convey it in a concise manner. It might be a good idea to work with a CPA or broker who can help you develop your plan and make a strong presentation to your potential lenders.
How have recent changes affected the financing market for SBA loans?
The SBA announced last year that it was eliminating or revising several requirements for its two main loan programs, 7(a) and 504. The rule change expands eligibility, makes it easier for small businesses to secure SBA-backed financing and encourages job creation.
The changes include the elimination of the personal liquidity test, which benefits borrowers by adding flexibility in the management of their allocation of personal resources to the small business.
Prior to this change, if the business owner had too much liquidity in his or her personal accounts, that owner would not qualify for SBA financing. The thought process was that potentially good business owners were being turned away. If you have too much liquidity, that makes you a good candidate for support.
Finally, it was announced that a temporary program set up to allow small businesses to refinance commercial real estate mortgage debt with a 504 loan has ended.
The program was created in the wake of the economic downturn to give small business owners another tool to remain viable and protect jobs.
With the economy improving, the program was viewed as no longer necessary.
Refinancing a 504 with 7(a) is still allowed, if both the first and the second deeds of trust are included. ●
Insights Banking & Finance is brought to you by Bridge Bank


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A new school year is around the corner, and millions of parents are eager to get started on their kids' homework. So here's a cautionary tale for them:
Each third-grader had to research an endangered species and write a report. My daughter Marie had been assigned the manatee, the gentle Florida sea cow that is being killed off by speedboat-propellers. She gathered the data, but couldn't get started on the writing.
I thought: Here's where being my child will really pay off for her. As a student, report-writing was the one thing I did well. Perhaps you've read my eighth-grade treatise on the man who killed Alexander Hamilton - "Aaron Burr: Genius or Fiend"? If you have, you know I'm just the guy to help a young writer start clicking.
"Do it in three parts," I advised. "First describe manatees - what they look like, where they live, what they eat, and so on. Second, explain why they are endangered. And third, say what's being done to help them; take a look at their future."
With that, Marie burst into tears and ran upstairs to her room.
Fifteen minutes later, she came back down and slapped a piece of lined paper down in front of me. She had distilled her research into 36 quickly chosen words, written in a wild scrawl that looked like a serial killer's confession:
"1. Manatees are dumb. They move slow 'cause they're stupid. 2. The boats run them over because manatees are too dumb to get away. 3. I wish all manatees are dead so I wouldn't have to write about them. The End."
"Nice work," I said.
"Thanks," she said, with a bitter smile. Then, writer's block dislodged, she went back up to her room and, using my outline, wrote a more temperate report. It lacked the passion of her first draft, but it was more informative.
The "A" we got on manatees lured me deeper into her homework. By the time we were halfway through fourth-grade, I was grilling her about her assignments, deciding when she should do them, and telling her how.
Unfortunately, this was causing Marie to disengage. We hit bottom one day when Marie was so vague about her assignments it was like interrogating a captured spy. So I marched right over to the school to quiz her teacher. Walking home, it struck me that the next logical step would be for me to DO the homework and put it into Marie's backpack for the teacher to find.
Then my wife brought home a great book: "Ending the Homework Hassle" by John Rosemond.
Its main premise is: "The more responsibility you take for your child's homework, the less responsibility your child will take." Although Rosemond offers instructions for handling the relatively few kids who won't accept the responsibility, his book cites case after case of dopey parents getting over-involved in their kids' homework. It was unpleasant seeing myself as a textbook case, but if you want it sugar-coated, Rosemond is not your man.
As per his instructions, I told Marie, "You're a smart kid, and I know you can handle the responsibility of your homework. It's yours; I'm giving it back to you. Tell me if you have a problem."
That's when Marie started managing her time and accepting responsibility. Crises still occurred, but they were infrequent. Sometimes deadlines appeared from out of nowhere. Sometimes assignments were interpreted by Marie in such as way as to be impossible. Then we'd help, but otherwise, we left it up to her. And to my embarrassment, Marie's grades improved.
Rosemond robbed me of my chance to improve on my own spotty grade-school performance, but he sure straightened out Marie's situation.
That same year, Marie saw her first manatees. They lounged lazily in a darkened aquarium at Sea World, while across campus their flashy cousins, the dolphins, won applause with brilliant feats of playful athleticism.
Obviously the manatee trainers hadn't read Rosemond's book. The idle creatures floated around figuring someone else would jump in and do their tricks for them. To a lover of performing aquatic mammals like myself, it was heart-breaking. As entertainers, those poor manatees were already extinct.
Rick Epstein can be reached at firstname.lastname@example.com


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24 May 2017 by Kayleigh Vlassak
Restaurant: IZAKAYA
IZAKAYA, a culinary hotspot in Amsterdam, has taken traditional Japanese dining experience to a higher level. In the middle of the vibrant area "De Pijp" at the well-known Albert Cuypstraat and minutes away from the Museum quarter you find IZAKAYA. The heart of IZAKAYA is the traditional Japanese Robata grill. In full view of the guests the chefs inimitably do their work. Traditional techniques are combined with their own innovative signature, with spectacular dishes as a result.
IZAKAYA, Albert Cuypstraat 2-6
Visit website


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VTG US U.S. Army Military WWII Magazine Ammo Pouch 5 Pouches 10"x8" Belt Bag
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Up for auction is a VTG US U.S. Army Military WWII Magazine Ammo Pouch for the belt - 5 pouches - measures 10" x 8"Measurements: 10x8 Please review all other items currently listed as we will combine shipping & handling; please wait for updated/combined shipping invoice. Please make payment within 3 days of auction end. Please thoroughly review all photographs. PLEASE READ TERMS OF SALE Questions : Are typically answered within 24 hours. Payment must be received within 72 hours of auction end. Shipping : We strive in quick turn-around time and excellent packing. We try to offer multiple options for shipping which allows for cheapest shipping to our customers. Returns/Refunds : Returns and refunds are accepted if we significantly misrepresent an item! We strive to take good photographs and give an excellent description of the item.


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4 out of 5 stars
Cut to the Chase:
This is a day by day chronicle of a zombie apocalypse from the perspective of a naval pilot writing in his journal. Overall, the effect is quite good, although much of the suspense is removed due to knowing that the protagonist will survive due to the existence of later journal entries. If the lack of suspense doesn't ruin a zombie apocalypse story for you, though, this is quite good. The protagonist gets into a series of genre-consistent, believable, interesting situations and has fairly ingenious methods to escape from them. It also abandons the tired cliche of devoting most of the novel to banal human-on-human interpersonal squabbles and has most of the emphasis on human vs zombie interactions, so if you are hoping for a discourse on the human psychology when faced with insurmountable odds you will be disappointed. Overall, I would definitely recommend this book, even though I realize its treatment of the zombie apocalypse might turn off fans of the genre who are most attracted to the elements of horror and the fragility of human psyche.
Greater Detail:
A naval pilot keeps a journal chronicling his experiences living through a zombie apocalypse. In his quest for safety in a ruined world, he finds other survivors and has to band together with them to survive. Thats pretty much all I can say for a summary without spoilers.
I'm not going to to lie and say that the significant departures that this books makes from the standard zombie apocalypse narrative don't significantly change the flow of the story, but in my opinion it is for the better. The first person journal format does make it more difficult for the author to create a tone of suspense for the protagonist's immediate survival, but honestly, once you realize that the story is following a single character's experiences through the apocalypse, you're pretty much assured that he will survive for as many pages as are left in the book and you come to care more about his immediate circumstances than you might if you were being constantly bombarded with zombies jumping out of everywhere for no real reason other than cheap thrills.
Similarly, the abandonment of most tiresome human squabbling is a big departure from the majority of zombie apocalypse stories, but I feel that it is a very good one. Without every action or decision being bogged down with ceaseless nattering about the moral consequences and whining about everything being too dangerous, the author is really able to move things along faster and focus more on problem solving and creating interesting scenarios for the characters to experience.
If you come to the zombie genre for interpersonal drama and things jumping out at you every few seconds, you aren't going to like this book, but if you enjoy the more intellectual side of the idea of zombies being everywhere, you'll probably enjoy this a great deal. I like to think that this book is one part of a gradual evolution of the genre away from cheap thrills and melodrama to a more cerebral meditation on survival in a familiar world turned hostile, so I would recommend it on that point alone.
Comparisons to Other Authors:
Night of the Living Trekkies by Kevin David Anderson has a similar high minded approach to a zombie invasion, as does (to a little lesser extent) World War Z by Max Brooks. If you enjoyed this book, you will most likely these titles as well.


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Fatona, Goa 403708, , Colva, GOA, GOA, India, Pin-403708
Kairali Villa is roughly 22 km from Goa International Airport and 52 km from Anjuna Beach. The apartment in Goa offers free internet access.The apartment has a single spacious room equipped with basic conveniences like AC, fan, flat screen television, ironing facility, desk, chair, and attached bathroom with towel and toiletries. Apart from good accommodation in Goa, the apartment provides daily housekeeping and chargeable transfers. Other facilities include 24-hour front desk and parking facility to name a few.Places of interest and travel hubs include Madgaon Railway Station (8 km) and Calangute Beach (45 km). Checkin Time: 1200 pm Checkout Time: 1100 pm


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Alfred W. Garbutt III, D.C., Inc.
A Brief Biography on Alf Garbutt
In 1978 he earned the Outstanding Graduate Award from the world's largest healing arts college, Palmer College of Chiropractic. While at Palmer he also received the top intern status in the outpatient clinic.
After graduation he became a certified instructor of various chiropractic methods and lectured at regional and international seminars on treating jaw/skull, internal organ, chronic pain and muscular disorders. In the early 1980's he taught in the Sports Medicine Dept. at Pepperdine University. During this period he treated and advised numerous world class athletes. He helped prepare the U.S.A. Field Hockey Team for the 1994 Olympics by designing their nutrition and exercise programs, along with providing chiropractic care.
Dr. Garbutt has studied nutrition for over 31 years and has used it to improve the condition of patients' bodies for over 20 years. He has written many articles on nutrition and co-hosted a radio talk show on nutrition in the San Diego area.
While at Palmer College he attended more hours of extra classes than any other student and has continued this practice with over 3,500 hours of postgraduate and extra curricular courses. This extra training has made him one of the most highly board certified doctors on the planet. He has board certification in pain management, rehabilitation, nutrition, and chiropractic sports medicine. In addition to this, he is one of the most highly trained doctors in the Los Angeles in regards to motor vehicle collision injuries, with advanced certification from the Spine Research Institute of San Diego. Besides his numerous articles on nutrition and exercise, Dr. Garbutt has published articles on traumatic brain injury and concussions as they relate to motor vehicle collisions.
Over the years, Dr. Garbutt has examined and/or treated athletes at national and world championships. He has also been brought to music recording studios in addition to TV and film sets to care for top celebrities. In recent years he has lectured on food/chemical sensitivities to doctors at the American Academy of Pain Management and to the Council on Nutrition.
Copyright © 2002 Alfred W. Garbutt, III, D.C., Inc.


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You know what I am most missing in my life? Someone to talk to. I mean really talk to. Like a BFF with whom I can share my deepest secrets and darkest thoughts.
I have a few friends. I have difficulty using the word Friend to describe them though. More like good acquaintances. I don't feel I can open up to them though. I know they will not understand. I know they may react poorly to what I want to share. I guess that's why I can't really call them "friends".
I had a friend once, about 15 years ago. He once told me openly that he was really glad that he had someone (me) with whom he could talk to. I was unable to return the sentiment. There was no way I could talk to him in that manner. It was shortly after that we never saw each other again. It was a good thing.
I am a great listener and am never openly judgmental about what someone may tell me. I have an open mind and am great at keeping secrets for other people. People can tell me anything and I will still love them.
I have a brother who is five years younger than me. I cannot talk to him at all. He is the dictionary definition of judgmental. His closed mind is a brick wall with spikes.
I have sister who is 15 years older than me. Geologically separated all my life I failed to develop a relationship to her. She is very open-minded and intelligent but I could never feel comfortable talking to her. In the event of an emergency, I believe she will be my only comfort. It would have to be an emergency though.
My mom is a wonderful person. I could possibly talk to her about a few things but I can't stand the idea of her knowing the poor state of my mental health. I don't want to hurt her in any way or make her cry for me.
I have mulled around the idea of speaking to a psychologist. A few times I came close to doing it. I'm not sure that is really a good idea. There are things that I would need to say that shouldn't be said to anyone who has rules to follow. Who knows what kind of future repercussions can follow from doing something so official.
The things I need to share can only be done with someone who is close. A closeness that can only come from many years of great friendship. That is not going to happen any time in the foreseeable future. My best option right now is repression. Keep my thoughts buried deep inside where they can fester as a mental illness. Yes. That's that way it must be. Get used to it and try not to think about it.


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Dear friends,
Recently, the situation in Syria and Iraq changed significantly.
As a result, some of SouthFront's supporters and readers are asking: how this will impact the coverage provided by SouthFront? How will the informational agenda be changed? Will SouthFront stop providing coverage on Syria and Iraq? Will this impact SouthFront's content?
Let us explain our vision of the situation.
SouthFront is not going to stop producing exclusive videos, maps and analyses. Unfortunately, the situation in the Middle East, including Syria, remains very complicated. Syria still has problems with various militant groups, especially in the Idlib province, which is de-facto controlled by al-Qaeda. In addition, tensions are smoldering between Turkey-led forces and Kurdish militias in the northern Syria and between the US-backed forces and pro-government forces in the Euphrates River Valley. ISIS cells are still very much alive across the country.
Outside of Syria, the entire Middle East is facing instability because of high tensions among the various powers involved in each of the local conflicts. Right now, there is a clear and present threat of a new conflict in the region involving Hezbollah and Israel. The US, Israel and Saudi Arabia are using warlike rhetoric against Iran. There are no signs that the situation is improving in Northern Africa, Central Asia and the Asia Pacific Region.
Outside of the Middle East, there are signs of growing internal tensions in the United States, the European Union and Russia. The world is facing significant global changes. Nobody can properly forecast to what result these global processes would lead but one thing is certain, SouthFront will be there to provide independent coverage of these events.
As you know, SouthFront originally started up to provide geo-political and military analysis and to address important issues, which were barely covered by the mainstream media. In our opinion, interests of transnational corporations and clans are behind the instability in many regions around the world. Unfortunately, as one conflict comes to an end, another one sparks, creating a need for independent geo-political and military analysis.
Currently, SouthFront produces over 900 content pieces per month. This number includes about 30 videos, including war reports and analyses and runs an extensive website, southfront.org. The amount of content produced with SouthFront's minimum budget of 5,000 USD will remain the same. In fact, we will seek to produce more content and more analyses on various subjects in the coming months. In addition, more long documentaries can be expected in the near future. A 3-month long community guideline strike will be lifted, giving SouthFront the ability to host livestreams, once again. We are sure that all of this will be possible, thanks to your support.
At this important moment in time, SouthFront is opening its doors and invites all who have opinions or thoughts on geopolitical issues to join the project as contributors. SouthFront is ready to expand and to publish various opinions on the current events around the world.
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Morocco Excursion desert tour from Marrakech
Desert tour from marrakech to fes or fes to marrakech tours start from 3 days 2 nights tour to merzouga camel trekking overnight in luxury desert camp merzouga zagora camel trek and 4×4 tours
Tours from marrakech
3 day desert Tour from marrakech to merzouga
3 days tour from marrakech to merzouga sahara desert tours marrakech ait ben haddou ouarzazate dades gorges overnight camel trekking
Desert tour From Fes To Merzouga
3 days tour from fes to merzouga sahara desert excursions in fes is the second largest city of Morocco, with a population of 1.1 million (2014).
Fez was the capital city of modern Morocco until 1912
Fez was the capital city of modern Morocco until 1912
3 Days 2 Nights Tour From Fes
Tours From Tangier To Chefchaouen
Tours from tangier to chefchaouen
Day 1 : Tangier – Chefchaouen
Our guide pick you up from the airport of Tangier and departure to Chefchaouen, a town founded as a secret mysterious place from which to attack the Portuguese installed on the north coast. Was totally banned from entering the village to Europeans until the arrival of the Spanish troops in 1920. Arrival in Chefchaouen and afternoon to have a first contact with the city. Overnight at hotel
Merzouga camel trekking luxury desert camp
Merzouga camel trekking bivouc including sunsit sunris in big dunes of erg chebbi desert tours excursion camel trek merzouga luxury desert camp
Merzouga 4×4 desert tours
Merzouga 4x4 desert tours around Merzouga sund dunes Excursion 4x4 Morocco Tours of merzouga desert trip
- -All tours in 4x4 vehicle/Minibus with A/C
- - Driver/guide
- - Fuel
- - Hotel/riad overnight stays (breakfast dinner integrated)
- - Camel riding Night in Desert
- - Camel for everyone
- - Turban each for the Camel trip in Desert
- - Sandboarding in the dunes


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Take this quiz and learn the basic rules when it comes to the kitchen. Do you love cooking? Do you want to have a chance to be a chef? Much fun! Join now and experience this game!
The Impossible Quiz is one of the hottest hilarious entertainment games today, it is an intellectual, exciting, funny, hilarious playground. With unique way of playing, beautiful interface, simple gameplay, the game is suitable for all ages, especially kids.
© Theimpossiblequiz.xyz All rights reserved.


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Reading Challenge 2019
Currently reading
The Man Who Seduced Hollywood: The Life and Loves of Greg Bautzer, Tinseltown's Most Powerful Lawyer
B. James Gladstone
The Passage of Power: The Years of Lyndon Johnson
Robert A. Caro
David Copperfield
Charles Dickens, David Gates
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8:00 pm 1 May 2011
Another winner from Abby McDonald! On Prom night, 3 high school girls, who couldn't be more different from each other, come together for an evening they will never forget. None of it happening at the actual prom. Bliss Marino is one of the popular girls. She just spotted her boyfriend making out with her best friend. Determined to bring down her best friend she lures Jolene, the jaded and angry high school misfit, to help her sabotage the friend's evening. Jolene, has been stood up by her date and is looking forward to causing some mischief. Bliss and Jolene rope in Meg, a quiet, unassuming do-gooder who is ignored by everyone in high school except now when Meg is Jolene & Bliss' primary port of transportation (ie she has a car). What ensues is a wild night of parties, multiple break-ins, make-outs, fights, hair-pulling, wardrobe changes and perhaps a surprise dip in a pool.
Do I make the plot sound shallow? Because the plot, the characters and the writing are excellent. Abby McDonald writes teen chick lit with wit and intelligence and thoughtfulness. There is a Bliss, Jolene and Meg at every school. What McDonald does really well is she puts these disparate characters together showing that everyone can get along with each other if they stop putting up walls and perpetuating prejudices. There are a lot of heart felt moments, especially the ones in which Jolene is coming to terms with the abandonment of her Dad, as well as a lot of funny ones too.
I listened to this book on audio. It was narrated by Julia Whelan who I think did a wonderful job giving voices to the three different main characters. She did a great job especially with Jolene's voice. She made Jolene's voice a bit lower and drawn out which contrasted beautifully with Bliss' perky voice and Meg's scared and excited one. Because the book focuses so much on these three characters, I thought it was great that Whelan was able to create three distinct narrative voices for the audio book.
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Whether you are an individual looking for high quality personal financial advice, or the owner or director of a company seeking a strategic corporate financial services partner, at Brunsdon Financial Services Ltd we're here to help.
That means we can help you achieve your lifestyle goals for you and your family, or deliver group benefit solutions designed to reflect the culture, vision and objectives of your business.About Us
Decisions about your financial future are important. That's why you need a carefully managed financial strategy to achieve your lifestyle goals and family security.
Our Wealth Management service is designed to suit your personal circumstances and to address your needs – however complex. The result? Real world, peace-of-mind financial solutions that make all the difference.Find Out More
Brunsdon is the strategic financial services partner to a hugely diverse corporate clientele who demand only the best and expect innovation as a given.
And with decades of experience in designing, procuring, implementing and administering value-added group benefits schemes, we frequently deliver above and beyond expectations.Find Out More


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Straight outta rehearsal.
Rehearsal ribbon is 7/8" wide and single faced satin. It is durable and 2.5 yards in length. One pack of ribbon is enough for one pair of pointe shoes. This ribbon is perfect for rehearsal or performance shoes. See the Stitch Kits for sewing instructions.
Contents: 100% Satin


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Brian Oberlin
Brian Oberlin is an internationally acclaimed mandolin player and educator. During his 12-year professional career he played swing, bluegrass, and Italian classical as a solo mandolinist and vocalist.
Along with the myriad of award-winning bands and ensembles he has collaborated with throughout the United States and Europe. Brian is also the founder and director of the River of the West Mandolin Camp and the Oregon Mandolin Orchestra.
When he is not performing Brian teaches music to children and adults at art centers, cultural events, festivals, camps, music schools and academies. Originally from Grand Rapids, Michigan, Brian now lives in Portland, Oregon.


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Warmest wishes for a very Happy Thanksgiving from Antoinette DeRose Licensed Real Estate Salesperson Houlihan Lawrence
Posted on November 27, 2013, in Real Estate Agent Westchester NY, Real Estate Chappaqua NY, Real Estate Pleasantville NY, Real Estate Westchester NY and tagged Antoinette DeRose Licensed Real Estate Agent, Chappaqua Real Estate, Chappaqua Realtor, Living in Pleasantville NY, Living in Westchester NY, Pleasantville NY Real Estate, Pleasantville Trending, Westchester NY Realtor. Bookmark the permalink. Leave a comment.