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What is an ARM?
Adjustable rate loans, as the name implies, has an interest rate that can change throughout the life of the loan. Borrowers select an adjustable rate mortgage program due to the lower start rates on these mortgages. Adjustable rate mortgages, or ARMs have rates that can adjust once per year or can be in the form of a hybrid where the initial interest rate is fixed for a predetermined period before changing into a loan that can adjust once per month. Most adjustable rate mortgages today come in the form of these hybrid loans which have initial fixed terms of 3, 5, 7 and 10 years.
Key Benefits of an ARM
An ARM has a lower start rate compared to a fixed rate loan
An ARM can increase buying power due to the lower rate
Ideal solution for shorter term ownership
How does an ARM work?
An adjustable rate mortgage is based upon an index, a margin and caps. Once the initial fixed term is coming to a close, the borrower is made aware of what the new rate will be for the coming year. A common index today lenders use is the Constant Maturity Treasure, or CMT. A common CMT today is the One-Year CMT. When a hybrid is about to adjust, a margin is added to the index. A common margin is 2.00%.
When adding the margin of 2.00% and the 1-Year CMT is 1.50%, the new interest rate for the following year is then 3.50%. One year later, the index is referred to once again and the 2.00% margin is added for the next year's rate.
ARMs also have interest rate caps, or simply "caps." A cap is a consumer protection feature that limits how much a rate may change upon adjustment. The initial cap limits how much the rate can be after the hybrid period has elapsed. An annual cap limits how much the rate can change from year to year and a lifetime cap is how much the rate can change over the life of the loan. Different adjustable rate programs can have different caps.
Frequently Asked Questions
- Can I refinance an ARM later on if I decided to own the property longer and get a fixed rate?
- Are closing costs higher with an ARM?
Yes, you can refinance an adjustable rate mortgage into a fixed rate loan at any time.
No, closing costs are the same regardless if the loan is an ARM or a fixed.
the right loan for you.
online or with our loan specialist.
and carefully with our steamline process.


text: ABSTRACT:A straightforward method was developed for construction of aromatic compounds with a triphenylene core. The method involves Pd-catalyzed annulative dimerization of o-iodobiaryl compounds by double C-I and C-H bond cleavage steps. Simple reaction conditions are needed, requiring neither a ligand nor an oxidant, and the reaction tolerates a wide range of coupling partners without compromising efficiency or scalability. Significantly, the tetrachloro-substituted synthon, 1,6,11-trichloro-4-(4-chlorophenyl)triphenylene, can be generated an used to prepare a series of fully fused, small graphene nanoribbons by a late-stage arylation with arylboronic acids and a subsequent Schol reaction. The synthetic strategy enables bottom-up access to extended p-systems in a controlled manner.

subset: commoncrawl


text:
Free Gruffalo Pencil Set
There are a total of 500 free Gruffalo goodies being given away including their Gruffalo pencil sets. Just follow our link and fill up the form with your details and you will have a chance to receive one of these.
Click on "GET IT HERE" button and then follow instructions given above to get your hands on a free Pencil Set.
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living in london
how much does it cost to rent a single bedroom place in london that doesnt make you want to kill yourself?
commutable distance
to north east if everything works out which it almost certainly wont
NE of England?
I pay £90 for a big room in a very nice house in Tottenham. Takes 25 mins on the tube to Oxford Circus.
I should add...
£90 a week.
i also
pay £90 a week. ButI live somewhere nice.
To answer your question properly, between £90 and £120 a week. Assuming you're willing to share.
£650 a week, easy.
i wish i had £650/week to spend on rent
i'd live here: http://tinyurl.com/2qpmlf
I dont understand how rent can be so high
surely if someone could afford that much they could afford to by a place
that's right in the middle of soho
that's why. and not everyone wants to buy.
most flats in london are sold on leaseholds, and i would imagine a lot of people can't be fucked to go through the stress of sorting out a crippling mortgage just to get a leasehold.
better than living in guildford
wanting to kill yourself.
could be worse
could be brighton
whatchoo talking about. Guildford is a fine town.
i couldn't do it.
i like the place and all, but i couldn't live there
ive never wanted to either
but dont think I have a choice, coming to the end of my msc in august and all the jobs in the field are in london, cant afford the season ticket and guildford rent, so actually have no choice this is disapointing wish I had thought this through
i guess if it's very
central for your line of work it's a necessity, aye. However, for my intended line of work it sure isn't any more of a haven than anywhere else in the world. So no London residing for me.
I pay £650 a month
but that includes bill, council tax etc.
no....it's not happenning?
THAT isn't happening is it?
good grief...feels like when Godzilla set his sights on Tokyo
Soon your glasses of water will be doing that thing like what they did in Jurassic Park.
£100 p/w
nice house share
piece of piss.


text:
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What prediction did the great Nostradamus make about your December? Let's find out...
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The future is always unclear, but certain people have the ability to lift the fog and see what we can not. What will the most famous seer of all time have to say about your December? It's time to find out!


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» Comics - Monday, June 14 part 2 - August 22nd, 2011, 2:01 pm
|« First Page
| Previous Page
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Author Comments:tallychyck, August 8th, 2011, 10:42 am ( Reply )
- Follow me on Twitter and/or Facebook for more art and news about a Between Gears book from Image Comics in early 2012!! :>Advertisement, May 27th, 2019, 8:57 am ( Reply )
Reader Comments:
( Reply )
Congratulations on posting the final page :D I've truly enjoyed reading this, and I wish you luck in your future endeavors :D
posted by maddoraptor on August 22nd, 2011, 2:15 pm
( Reply )
This was a wonderful note to leave off on. I've been reading this comic for more than a year now, and I've loved every minute of it. Thank you so much, and congratulations on ending it! =)
posted by originalblu3 on August 22nd, 2011, 8:10 pm
( Reply )
Awesome. Congratulations and good luck with everything to come :)
posted by Picos on August 28th, 2011, 2:36 pm


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Gym Business Services
Half You're far more likely to satisfy both levels of viewer search-intent by creating blog posts and videos that list top tips and high-value review and benefits-discovery sections. YesYou may save money by eliminating the admin This can be a great way to increase visibility Becoming the go-to resource means you aren't giving anything up by sending people to helpful tools and materials. Leading organizations are beginning to see the implementation of effective corporate wellness programs as a major business strategy and source of competitive advantage.
This was introduced a little while ago Plus But you can add snaps to your story to make it longer. Foundational work experience is. They'll seamlessly connect so you can schedule your tweets from home Major social media sites from facebook to twitter are increasingly limiting the exposure of the articles
These strategies and tips include the following: come up with a good and feasible business plan. Or even if a few names bubble to the surface It takes a surprising amount of research. People like free stuffs and as much as possible Posted to the top of the main feed on your preferred social media platform. Stress relievers such as yoga and pilates were embraced to combat tension and fatigue.
Making sure that the intrigued the reader from the first page to the last. And guidance you have to offer. Marketing strategy #2 - factors that set your gym apart from rest while drafting out your marketing strategy Mentoring Be ethical Claim make a single claim about your service
Keywords play a powerful role in increasing engagement. A gym though is one of the costliest types of ventures anyone can get into. You want to load these with the latest stats and insight If you currently don't have a substantial amount of money for buying or leasing different pieces of gym equipment Don't hack away at the fat in your daily schedule. Professional speaker
Basketball Gym Business Plan
Light boxes You now need to prove your claim. " here are the steps: follow niche-relevant Peter roesler has some great tips worth checking out and there are a couple here worth pointing out. Youtube is a wondrous place full of diversions and distractions. How's that for simple? Andrew hutchinson has some great pro-tips on the topic.
Should you decide to build a fitness facility Open to the public " with the general intent of finding out which wearable technology is the best on the market right now and why. Why 10am? Well because a lot of people open and read emails at work! Subject lines are the only words between you and your perfect customer. In pictures. Reportedly 53% of college students have a snapchat account
Fitness Business Management
Etc. "promoted pins" on pinterest and "promoted tweets" on twitter. Tweet-spiration the twitter dashboard is also designed to help you in times of writer's block and mental slow days. Inspiring and value-creating short video content. Google looks at the fact that this big site linked to yours and assumes you must have valuable content. The latest on the new stories feature
Gym Business Services
And manage our account to optimize your usage. After being viewed The real you that is now ready for rapid upward Try to make sure that your brochure also helps those people who want to join a gym for the first time. Your brand Seo is the collection of activities and tactics you utilize to show google-bots that your website serves a big consumer need in a meaningful way and should be ranked higher in web searches.


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Sopura Australia Pty Ltd - Sydney
For more than 60 years, Sopura is developing cleaning and disinfection solutions for clients in the brewing, beverage and food industries. Sopura completes also its global offer with water treatment programs for all sectors.
Our presence around the world and our renowned expertise are the reasons why our customers choose to trust us.
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As 'The' reference in the brewing Industry for providing Total Cleaning & Sanitation Solutions, we distinguish ourselves via the extreme high level of expertise and know how of our people, built up over more than 60 years in more than 70 countries.
Discover in the following chapters the innovative solutions Sopura can bring you to improve the efficiency and sustainability of the sanitation processes in your brewing activities.
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To bring this industrial philosophy to life, we can rely on the professionalism of our teams and their combination of commercial, research and development and engineering skills.
Our original E³-Innovation program summarizes our pursuit of Sustainability and Continuous Improvement process.


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Starting 4K: the nervousness of the unknown
Okay so we're starting it over again. D-Man has been going to the same school/day care since he was 9 months old, he is nearly 5 years old now. They were supportive when we were just finding out about his allergies and have made accommodations throughout his time at daycare. We have never (knock on something wooden) had to use any of the EpiPens and the day care always knows when they are about to expire.
In a few short weeks he will be getting bused to his 4K public school in the morning from day care and being bused back prior to lunch time. This makes the transition a little easier, but still I am nervous. I have all the action plans created by the allergist and ready to hand off to the teacher, nurse and who-ever else needs to read them. PLEASE READ AND REMEMBER THEM.
D-Man will most likely be at some kind of nut free table during snack time (hopefully). I really don't think they have a nut free, fish free, seed free, and cucumber free table. Luckily all of his reactions are a result of contact or ingestion and not air borne in quality. Un-Luckily some of his reactions include swelling and anaphylaxis.
This week is our back to school night where we meet our teacher, see our room, get school pictures taken, and talk to the nurse if needed. Yes our family needs to talk to the nurse. Hopefully our teacher will greet us and be able to listen and understand that I want D-Man to be safe, I don't want him to be scared or isolated because of his allergies. I want them to understand it is more than just peanut free.
1 Week into 4K: So Far So Good…
D-Man has been in 4K for just over a week. His teacher and the school call the 4K and Early Child hallway a "peanut sensitive area." They are not able to be truly nut free, but try to be safe and encourage families to not bring nut products to school.
We met with our classroom teacher in our conference prior to school starting. The majority of our conference centered around D-Man's allergies and a plan for him to remain safe during his time at school. He will not being eating lunch at 4K, but there will be snack and some special treats for birthdays or holidays. His teacher assigns each student a day to bring in snack for the whole class. She sent out a great list of items that would be safe-ish. The list was definitely nut free but did not cover all of D-Man's allergies (peanut, tree nuts, sesame seeds, sunflower seeds, fish and cucumbers). I would not expect the teacher to have this list, it's difficult for me to make some days.
Our plan, so that he would be safe, was that he would bring in his own snack everyday, instead of eating the snack that the rest of the class eats. The teacher is planning on turning the snack into a center in the classroom (counting, number line, or sorting). This is the conundrum I tend to get hung up on, is the accommodations for safety which are needed seems to isolate D-Man. They make him different from everyone else in the room.
I really think this isolation or him being different is what I get hung up on, he at this time does not seem to mind. I love that about him, he is so strong and able to be different. I hope that this quality continues to thrive in him.
After the first few days of this system, his teacher sent me an email and called me to check in and see how he was doing. She felt that this system was going well and he was not having an issue at school. He told me he enjoyed having the snack for home as well.
I still was grasping at D-Man-fitting-in straws, and suggested to the teacher that if she knew the snack provided from the student would be safe for D-Man he could partake. I would continue to send a snack from home along with his list of unsafe foods. She preferred we would revisit this at the next conference and keep the original system we have in place.
Yep, it's my issue now not so much D-Man's. It's okay to stand out from the crowd and be different, it's not that he won't fit in. It's that he will make his own path and others may follow him.


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Carnival Cruise Deal
Rodeway Inn & Suites Fort Lauderdale
For an amazing Carnival Cruise Deal, consider staying at the Rodeway Inn & Suites to enjoy our many Cruise-and-Stay options as well as other hotel perks . We offer affordable Day-Room services for very low rates so that you have a safe and relaxing place to stay when you need it most. With our Day-Room rates, you can stay with us for only a few hours without having to worry about being charged for a full night's stay. It's perfect for long layovers and transfer flights. We even provide a reliable shuttle service to get you to and from our hotel in a timely manner, and it is absolutely free when you stay with us. We also offer free Wi-Fi while you stay with us, complimentary continental breakfast and unlimited local calls. For more information on our affordable rates and services, contact us at 954-792-8181 or go to www.rodewayfll.com. Our friendly receptionists will be happy to tell you about our great deals and many amenities.
Hotel Near Port Everglades Cruise Port
Here at the Rodeway Inn & Suites, you will always be our priority. We care so much about your rest and relaxation that we completely remodeled our location to provide you with a new and modern place to stay. Our rooms have been refitted with new granite floors and countertops, as well as brand new appliances. You will have a microwave, refrigerator, digital cable TV with 80 channels, iron and ironing board, hair dryer, radio alarm clock, coffee maker, and all other standard room amenities available to you during your stay. Our rooms are even pet-friendly so your furry family member is more than welcome to travel with you for a small fee. Outside of our rooms, we have a designated smoking locations, a beautiful pool area with an outdoor heated pool, a gift shop in the lobby, room service from our award-winning restaurant, business center, laundry services, and a meeting and banquet facility. From our stellar Carnival Cruise Deal, to our free and reliable transportation, there is so much to take advantage of when you stay with us. Call, today, for more information!
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DANVILLE ANNOUNCES 2017 HALL OF PRIDE RECIPIENTWritten by Theresa Rose on September 8, 2017
DANVILLE – A Cedar Rapids attorney who played on his college national championship football team has been named the recipient of the 2017 Danville Hall of Pride honor.
John Wagner will receive the honor during Homecoming activities to be held the week of September 10th in Danville. The Cedar Rapids attorney will be Grand Marshal at the Homecoming Parade on Wednesday and will be honored at Boom Night activities later that evening.
A 1973 graduate of Danville High School, Wagner was an outstanding high school student athlete, attending Central College following high school. While at Central, he was Student Government President and a letterman on Central's 1974 Division III National Championship football team. Wagner graduated with honors in 1977 with a double major in political science and business then attended and graduated from the University of Iowa College of Law in 1979.
Wagner began practicing law with a county seat law firm in Marengo, Iowa, and then began his own practice in 1991. He now maintains offices in Cedar Rapids, Amana and Marengo with much of his work trial related, including business law, personal injury, family law and agriculture law. Wagner has successfully tried cases in the majority of Iowa's 99 counties and several surrounding states. He was also the Iowa County Magistrate from 1980 to 1992.
Wagner has served in numerous non-profit, community and church positions.
Wagner and his wife, Bev, met in college and have been married 41 years. She taught at Iowa Valley for 33 years. They have two children, Sarah and Dan, and three grandchildren.
Each year the Danville Enhancement Committee, in cooperation with the Danville Community School District, presents inductees to the Danville Hall of Pride, a recognition program that has been established to honor those who attended Danville Community Schools and have since advanced themselves in their careers, communities and personal lives. These individuals are not only recognized for their accomplishments but are held up to current and future Danville students as examples of citizenship and success.


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Health care reform is back in the headlines as a recent court struck it down as unconstitutional and Congress continues to debate its future. Regardless of the outcome, medical insurance for small business is certainly going to be impacted, one way or another, in the coming months and years. Below are six important questions about health reform as it relates to small employers.
Question #1:
What is required of small employers with less than 10 who do not offer health insurance?
A: There are no specific requirements of employers with less than 10 employees – they are not required to offer coverage. Employers with greater than 50 employees are subject to penalties if they do not offer coverage, $2,000 per full-time employee over 30 employees.
Question #2:
What about illegal immigrants? The government wouldn't be able to regulate their coverage so they would still be uninsured, right? Would hospitals still have to treat them?
A: Correct. Health Care Reform does not apply to illegal immigrants. Yes, hospitals would still be required to treat and the cost of uninsured would be passed to those that are insured through higher charges by hospitals. This is exactly what is happening today.
Question #3:
Is Health Care Reform counting employees as Full Time Employee status, or by total head count? Many smaller employers are aming the system to classify staff as part-time employees and paying overtime versus providing health benefits.
A: The calculation to determine full time "equivalent" employees will be based on total hours worked by "all employees" divided by 30 hours. Part time employees are included in the calculation.
Question #4:
What is the benefit of a health plan being grandfathered in versus those that are not?
A: Grandfathered plan do not have to provide 100% preventive coverage, treat emergency care the same in and out of network, comply with new internal and external appeal requirements and apply broader definition of "primary care physicians"
Question #5:
The Cadillac Tax proposal seems to ignore traditional practice of charging higher premiums on older employees. What may look like a Cadillac plan for a 30 year old is likely a very ordinary plan for a 56 year employee.
A: Correct. Health Reform includes a requirement that health insurance premiums can not vary by more than a 3:1 ratio for age. Still many health plan premium for larger groups is based on claim experience and older workers have higher utilization that will be reflected in their premiums. It is expected that these inequities will be worked out before the tax goes into effect in 2018.
Question #6:
With insurance companies, like Blue Shield, asking for a 59% increase, how do the employees see a benefit before the main provisions kick in by 2014?
A: There is very little in the Health Reform law that addresses costs. It is expected that health care costs will continue to increase at 12% to 15% annual health care inflation. Health Care Reform requires insurers to submit premium increases to state department of insurance for review and must meet new health care ratios, i.e. 80 % to 85% of premium must be spent on health care.
As more and more details of health care reform are clarified, the administration and details relating to medical insurance for small business is likely to become less cloudy and more defined. Continue to watch the news as the story unfolds.
Ari is the Director of Marketing at CPEhr, a leading Los Angeles based Human Resources services consulting firm. CPEhr specializes in providing and managing medical insurance for small business, along with an array of comprehensive HR services for small employers. With 15,000 serviced employees nationwide, CPEhr is one of the largest privately-held PEOs in the nation.


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Snap 2-0 Garden Hose Attachment Product Review
By: Danny Lipford
Snap 2-0
Use: Garden hose quick release attachment.
Cost: $9.95 + $6.95 S&H = $16.90 total
Rating: ★★★★☆
The Snap 2-0 garden hose quick release attachment claims to make attaching and removing gardens hoses from faucets and other watering device a "snap" by allowing you to slide the hose connection on and off without screwing.
To use, simply screw one end of the Snap 2-0 fitting to a garden hose and the other end of the fitting to a faucet, sprayer, or other hose attachment. The two halves of the Snap 2-0 fittings slide together and apart without screwing using an o-ring for a seal.
The Snap 2-0 worked well in our tests without leaking, though we can't be sure how well the seal will hold up over time. At almost $17.00 for only two fittings, however, the Snap 2-0 was expensive for what you received.
Watch this video to find out more.
Danny Lipford: Now the Snap 2-0 is another product we found for the lawn and garden. Homeowner Libba Vanderbeek agreed to help me test it out.
You do a lot of gardening, you drag a lot of water hoses around.
Libba Vanderbeek: Right.
Danny Lipford: You think this could help you out?
Libba Vanderbeek: I think it could. They seem to be pretty heavy, and they have an o-ring inside, so it shouldn't leak.
Danny Lipford: Yeah, it's pretty good plastic and all, so let's see. All right it's got that.
Libba Vanderbeek: You connect this to the sprayer.
Danny Lipford: And then let's see about the connection together here. Yeah, it does have the o-ring, Hmm, seems to work pretty well. Of course the real test is to see whether or not it will leak. We'll turn that on in just a minute.
Libba Vanderbeek: Right, and how easily it comes apart.
Danny Lipford: Yeah, that's true. I guess if you could get extra different fittings like this, more of the different fittings, then you could almost have it on all of your little watering devices and things like this so that..
Libba Vanderbeek: Right. So you wouldn't have to take them off, you just put them on there and leave them permanently.
Danny Lipford: Huh, seems to work pretty well. Well, we know what the real test is. Let's see if this thing is going to leak or not. OK, it's on Libba. What do you think?
Libba Vanderbeek: Yeah, looks pretty tight.
Danny Lipford: Wow, that's pretty cool. That's great. I wonder how well it'll hold up. You know water and then the little o-ring it'll keep it kind of pliable. So I'd think it'd work pretty well.
Libba Vanderbeek: Probably have to change the o-ring, did the give us any extra o-rings in the kit?
Danny Lipford: I don't think so. That'd be a neat little thing, because you know you're going to lose them sooner or later.
Libba Vanderbeek: The other question I have is now can we change this without turning off the water?
Danny Lipford: I doubt it. You want to try it, I'll step back.
Libba Vanderbeek: No, that's OK.
Danny Lipford: The Snap 2.0 does seem a bit pricy with a total cost of almost $17 for essentially two different quick connections, but does deliver on its claim. And, if you're OK with that price tag for the convenience, you should be satisfied. We give it a four out of five stars.
Videos You May Like
Related Videos
|How to Repair Leaky Garden Hose
|EZ Jet Water Cannon Product Review
|Pocket Hose Product Review
|Neverkink Garden Hose for Your Yard
CommentsPlease Leave a Comment
We want to hear from you! In addition to posting comments on articles and videos, you can also send your comments and questions to us on our contact page or at (800) 946-4420. While we can't answer them all, we may use your question on our Today's Homeowner radio or TV show, or online at todayshomeowner.com.


text: John Hiatt/Little Village Jul 8, 2011 2:24:24 GMT -5 Quote Select PostDeselect PostLink to PostMemberGive GiftBack to Top Post by martin53 on Jul 8, 2011 2:24:24 GMT -5 Dedicated to one of America's best songwriter and performer, John Hiatt. His career has spanned more than 30 years and his work has been covered by everyone from Bob Dylan, Eric Clapton, B.B. King, Bonnie Raitt to Iggy Pop, Three Dog Night and The Neville Brothers. His landmark 1987 release "Bring The Family" received critical praise and was his first album to chart in the U.S. In 2008, John Hiatt was inducted into the Nashville Songwriters Hall of Fame and was honoured by the Americana Music Association with their prestigious "Lifetime Achievement in Songwriting Award."John Hiatt - Slow Turning PS: John Hiatt's new album "Dirty Jeans & Mudslide Hymns" will be out in August 2011 via New West Records. It was recorded at Ben's Studio in Nashville and was produced by Kevin Shirley (Led Zeppelin, Aerosmith, Iron Maiden, The Black Crowes). In addition to John Hiatt, the album features Kenneth Blevins on drums and percussion, Doug Lancio on electric guitars, mandolin and Hammertone and Patrick O'Hearn on bass guitar (alias "The Ageless Beauties").


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You're A Gem Card
$ 6.00
Decorative, darling and super sweet, Thimblepress cards can help make milestone moments memorable.
This card features an original, hand-painted illustration and hand-lettering of the phrase "you're a gem." This product was created in collaboration with The Glitter Guide.
• A2 size (4.25″ x 5.5″ when folded)
• Blank inside
• Foil stamped & embossed with copper foil
• Printed on thick stock paper
• Paired with teal cotton envelope
• Printed in the USA


text:
PowerChute Business Edition
UPS management, graceful shutdown, and energy management software for servers and workstations using dedicated serial or USB connections.
Millions of protected customers! - "With PowerChute Business Edition installed, it's as if the outage never happened". Richard Verry, Systems Administrator & Software Engineer, The Children's Institute.
Software - Released PowerChute Business Edition v9.0.1 (Chinese) for Solaris_x86 (Version 9.0.1) 5/19/19 all pbe_agent_90_solaris-x86_jvm.bin48.9 MB
PowerChute Business Edition v9.5.0 Public Key Fingerprint for Linux RPM (Version 9.5.0) 5/19/19 all RPM-GPG-FINGERPRINT-PCBE.txt282 B
PowerChute Business Edition v10.0.0 for Windows (Version 10.0.0) 5/19/19 English pcbesetup.exe85.7 MB
PowerChute Business Edition v10.0.0 (English) for Linux (Version 10.0.0) 5/19/19 English pcbeagent-10.0.0-301-EN.x86_64.tar.gz71.9 MB
PowerChute Business Edition v10.0.0 (Chinese) for Linux (Version 10.0.0) 5/19/19 all pcbeagent-10.0.0-301-CN.x86_64.tar.gz71.9 MB
EcoStruxure™ for Your BusinessEcoStruxure lets you thrive in today's digital world. Make better business decisions with scalable and converged IT/OT solutions. Learn more
Reach UsHave a question, complaint or is there some feedback you'd like to send us to make your experience with Schneider Electric better? Contact an Expert
FAQEasily find and share the answer you are looking for from our online FAQ service. Browse FAQ


text:
Copyright 2012-2015 @ CWsWiSE. All rights reserved.
Enhance Outreach and Recruitment
Participation in the workshop on topics related to women's initiatives provides valuable opportunities for outreach and recruitment.
Previous Workshop Sponsors
For more information about becoming a sponsor of the Women's Workshops, please contact Paula Pair by email at firstname.lastname@example.com or by phone at 303-499-2299.
Workshops for Women
Centennial Women Supporting Women in Science & Engineering
Benefit from the exposure of the CWsWiSE Workshop
Showcase support for the Workshop with a tax-deductible sponsorship for this nonpartisan, non-profit 501c(3) organization.
Workshop Sponsorship
Help Create a Premiere Development for Women
Support personal and professional development for a diverse group of women, from students to new professionals to senior corporate leaders.
Showcase your Support for Diversity
By participating as a Workshop sponsor, you are demonstrating your support for diversity and inclusion initiatives to your employees and the community.


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Ballot Blurb:
Hey BU! My name is Ja'miil Millar and I'm running to be your next Vice President, External Affairs.
It's my 5th year here at Brock, where I have been studying in the Business Communication program with a minor in Political Science. In my five years, I've played varsity soccer, worked as Marketing Coordinator for BrockTV, the Campus Store and I'm currently BUSU's Advocacy Coordinator!
As Advocacy Coordinator this year, I've had the opportunity to work with a team of dedicated and intelligent individuals whose commitment to bettering post-secondary education for Brock, our province and nationwide has inspired me. The work I've been able to be a part of this year means so much to me and it's with this experience that I know I'm meant to do this job.
I am so excited to be running in this election. My decision to run this campaign is rooted in hopes that with #MoreMillar, we can continue propel the work and momentum we have started this year at BUSU forward.
My platform consists of 5 main priorities:
Free Textbooks Indigenizing Brock Engaging first-years Expanding social justice Fostering community relationships
I know, I know. The free textbook thing seems way too good to be true, but I promise I have a plan that works!
With that being said, for more details on my priorities head to my social media or come by my table in Academic South. Thanks for taking interest and getting informed!
Candidate Interview:
- To the best of your understanding, what is the role and responsibilities of the VPEA?
"The role and responsibility of the VPEA is to understand the student voice at Brock in order to accurately portray this voice to important stakeholders in Post-Secondary Education. Stakeholders such as all levels of government, Brock's senior administration and community stakeholders. The EA should understand the policies that are currently in place within Brock and all levels of government in order to break down the current barriers that negatively impact the success of students. Additionally, the VPEA will be responsible for BUSU's involvement with the two advocacy groups we are a part of: the Ontario Undergraduate Student Alliance and the Canadian Alliance of Student Associations. A lot of the research and policy recommendations are made through these two organizations and they play a vital role to BUSU's advocacy work."
- Why have you decided to run for the position of VPEA?
"My decision to run for VPEA is rooted in a few different things. For one, I have had the privilege to be the current Advocacy Coordinator working under our current EA and this experience has been nothing short of rewarding. I've built relationships with the Advocacy team at BUSU that is committed to research and who understands the importance of the student voice and how we can use it to break down barriers. Personally, one of my main goals in life is to find work professionally in a position that is bigger than me. With that being said, advocacy work is exactly that. Everything we have done this year is in hopes that we can make a wider impact. Finally, I feel like the work that we have started this year at BUSU is pivotal and much different than that of BUSU's previous advocacy departments. Things like starting an internal policy library with recommendations to better student life. This is something that we haven't done before but is key to ensuring that our efforts are able to transition through the years ahead at BUSU. My decision to run is to continue this work and I believe that I have so much more to give that goes beyond my current role as Advocacy Coordinator. That is also what my entire campaign is based on. #MoreMillar means the opportunity for me to dedicate myself to more student advocacy."
- Why do you believe you should be elected VPEA?
"I believe that I should be elected because I have the proven experience, knowledge and outlook to stand confidently in this position. I know what is expected of the VPEA from my close working relationship in BUSU. I also know what to expect for next year from my current experience and with that said, I'll be able to make plans in a very specific way, as I'm familiar with how BUSU works and also the best practices across other Ontario universities from my involvement in both OUSA and CASA. Additionally, my knowledge and commitments surpass the 5 main platform points that I have highlighted. I will be taking it beyond these 5 points through the research in policies we have covered this year such as accessibility, affordability, housing and transit and will host a plan to take this work forward."
- If you needed to summarize your platform into three main issues at Brock that you believe need to be addressed, what would they be? How do you plan to address these issues?
"As I've mentioned, my platform is rooted in the research that we've done within BUSU this year. I do have 5 main priorities on my platform but if I were to summarize what issues they cover, I would say affordability, retention and social justice. In terms of affordability, I plan to address these issues by working with senior administration to find the right funding formula that works to support the development of Open Educational Resources (OERs) in order to use them in Ontario and in Brock's classrooms. This falls under my platform point of Free Textbooks, a point that will tackle the issue of affordability by highlighting how pivotal this tool is and has proven to be in other provinces for saving students money. Currently, the issue is that our faculty isn't incentivized enough to develop OERs. We need to lobby the provincial government to support and fund the development of OERs. In terms of retention, Brock has one of the lowest retention rates in comparison to other Ontario universities. With engaging first-years, I aim to incorporate the first year voice within BUSU with a First Year Council in hopes to incorporate our new students within our institution from the very start. This will help them understand this transition and how to better navigate through their 4+ years here and also to stay. In terms of social justice, my points on expanding social justice and Indigenizing Brock is rooted in the close work I've done with Student Justice Centre (SJC) and Aboriginal Student Services (AbSS) this year. Students who face discrimination and the Indigenous population of our school need to know that the students' union not only supports them but is doing work for them. As VPEA, I would continue to commit myself to social justice initiatives on our campus and ensure that the advocacy department continues to partner with Brock's Human Rights and Equity department as well as our Student Justice Centre and various other groups. Additionally, we have discussed at BUSU to have an Indigenous student seat and an international student seat on BUSAC, this way we can incorporate as many voices as possible in every decision we make within BUSU. Furthermore, I am personally working to be a better ally to the Indigenous peoples of this country and will continue this through through my work as EA. I am advocating for the decolonization of our institution and would be committing to lobby our senior administration to support and fund Brock AbSS."
- If elected what would you do differently from past VPEA's?
"If elected, some things I would do differently would be incorporating the First Year Council to ensure the first-year voice is within our students' union because that is something that is missing currently. Additionally, I would like to push for more feedback on the campaigns the Advocacy department runs from the student body to ensure we are covering all grounds and accurately reflecting Brock student voices."


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Rev Helen CroftThe ManseWintertonTel No. 01724 732337Email click here
Senior StewardWill Maw6 Market Hill, Winteringham01724 734631.
Ready to start on the building work!
Will Maw, Alan Kitchen and Martyn Hammond take a well earned rest to lean on the skip after their exertions clearing the site ready for the builders.
Work begins!
Mid-August and the steps are in!
Sammy Snake raises pots of cash for water! (August 2013)


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The former business secretary, one of the most powerful party figures of the last 15 years, said Mr Miliband was also failing to distinguish himself from the last Labour government.
The Labour leader has faced criticism that he lacks the skills and public appeal to become a credible prime minister amid disquiet inside his own ranks.
A series of poor opinion polls recently have seen Labour's lead evaporate, while senior party figures admit that winning the 2015 election will be difficult.
One survey this week suggested that David Cameron was significantly more popular among the public than Mr Miliband, despite concerns that Britain is slipping back into recession.
Asked about the criticism of Mr Miliband's leadership, Lord Mandelson said he found it "tedious and boring".
"What I think Ed Miliband is doing, he's struggling with two things and they are not easy," Lord Mandelson told BBC Radio 4's Today programme.
"One is that he is trying to oppose the Government on the economy where, legitimately or not, people will take different views.
"In making an argument against what the Government is doing fighting the recession, he is also sort of struggling with his own inherited legacy from the previous Labour government.
"At exactly the same time he is struggling to invent a new left of centre political paradigm that isn't New Labour," he said.
"It's a rather unenviable job which I think he is doing well in the circumstances. But it is not easy."
Lord Mandelson had easy praise, however, for his successors at the Department for Business, Innovation and Skills (BIS), saying he was "very proud and pleased" with the work that Vince Cable, the Business Secretary, and David Willetts, the Universities Minister, have been doing.
And he disclosed that he no longer believed politicians should be intensely "relaxed" about entrepreneurs becoming "filthy rich", as he once claimed while Trade and Industry Secretary in 1998.
"That was a rather spontaneous, unthought-of remark," he said. "I don't think I would say that now. We have seen that globalisation has not generated the rising incomes for all."
In his own interview, Mr Miliband brushed off criticism of his leadership, insisting that he did not read newspapers or pay much attention to the evening television bulletins.
"When you get home, the thing I most want to do is spend time with my kids," he told the House Magazine.
The Labour leader faced anger from the party's financial backers in the trade unions after announcing the he would not promise to reverse the coalition's public spending cuts if he wins power at the next election.
Mr Miliband suggested that his new policy on cuts may represent a "watershed moment" for his relationship with the unions, but dismissed fears that some could disaffiliate from the party.
"Let's let the public make a decision at the next general election about who they like and who they don't like. The most important thing for me to do is to talk about the issues that matter to people."


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Snowboard movies are seared into our memories partly because of the riding, of course, but a huge part of what makes a film truly a classic is the music to which the stunts are set. In Tuned In, we'll be regularly looking at movies that combined legendary action with legendary songs to create something even greater than the sum of it's parts. Cued up this time is Standard Films' 1994 release, TB4…
In our first instalment of Tuned In, where we dove into the audiatory delights of Robot Food's first movie, Afterbang, we wrote: "Prior to Afterbang's release the music used in snowboard films could broadly be pidgeonholed into one of three loose categories: Rock (including punk and metal), Classics, or Rap." TB4, released by Standard Films in 1994, followed this pattern and, like much of Standard's earlier works, leant heavily on rock, metal and punk for the soundtrack.
From the montage opener (White Zombie, no less), through the Cali punk of Noah Salasnek's memorable opener – that backcountry hip back 7, mmmm – and Jim Rippey's equally memorable ender (Rich Kids on LSD and Pennywise respectively), there's a mix of crunching guitar riffs, aggressive yelling and fast-paced straight beats throughout. If you want an idea of what mid-90s snowboarding sounded like, this is a good taster – in short: LOUD GUITARS and SHOUTY MEN! Though this is broken up on occasion – well, once actually – by some unexpected disco funk from the Mighty Reyders in the montage section featuring, amongst others, Nate Cole and Dale Rehberg.
"If you want an idea of what mid-90s snowboarding sounded like, this is a good taster – in short: LOUD GUITARS and SHOUTY MEN!"
Poor old Europe gets the track that seems to have aged least gracefully – even at the time it was hard to square bands like Megadeath and, in this case, Pantera, with snowboarding, but now it seems all the more weird. Oh well, the 90s eh? For more 90s nostalgia, Silverchair's Israel's Son gets an outing in the Alaska segment (we cocked up and have it at the end of our playlist, rather than before 'Sitting in a Room') and despite it's Nirvana-lite sound we'll never forget Victoria Jealouse elegantly tearing up AK to this.
It's hard to write what a standout tune is on this, seeing as most of it isn't – and never was – this hack's cup o' tea, but in terms of that rush of fond recognition you get hearing a tune you associate with something rad, it's got to be Pennywise's 'Peaceful Day' which frames Jim Rippey's ender. Both the tune, and to an extent the rider, sum up where snowboarding was at in 1994 pretty well.
And if all this has had you wanting to relive your youth, you can watch TB4 here. It's the worst copy in the world, mind you…


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Erika Iso Vikuri backpack white, red, green
The white, red and green Iso Vikuri pattern decorates the Erika backpack that has adjustable shoulder straps, one inside zip pocket, a drawstring closure and a fold-over flap that closes with a magnetic button. The backpack is made of heavyweight cotton canvas that is printed in Helsinki.Check store availabilityInstore availability can be checked below. Product availability can change rapidly, please contact the store to confirm that your chosen item is available to purchase.
Size infoWidth: 13 in Height: 16 inMaterial and care
- In stock
- Few left
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Main Material: 100 % Cotton
FKXLU Follow the washing temperature given. Wash with like colours. Wash with plenty of water. May fade.OtherPattern: Iso vikuri 640 Pattern Designer: Erja Hirvi Designer: Marimekko Color: white, red, green Country of Manufacture: Estonia Product code: 047319 Color ID: 136 Depth: 5 in


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As I wrote recently in two of my posts, Women with Disabilities – Thoughts, and Women with Disabilities – more Thoughts, I've been pondering about writing on this issue. And now, with my second novel being in its initial stages, this has trickled into my fiction.
But what bothers me is the fact that I only now realized that throughout my years of reading and studying literature, I cannot remember one character with any kind of physical disability. Mental, yes. One character stands out: Jonathan Lethem's Motherless Brooklyn, with Lionel who suffers from Tourrette Syndrome. Other than that, of course we have all the mad women in the attic during the nineteenth century, but these are by no means disabled women, Charlotte Perkins Gilman's The Yellow Wallpaper being the most prominent of these. So, essentially, having a Master's degree in literature, I'm quite familiar with classical, modern and contemporary literature. But try as I might, I cannot remember any other disabled characters.
Throughout my literature studies, we touched upon different issues – race, identity, sexuality, gender roles, economy, politics, geography, slavery, madness, religion, wars, mythology, technology, industrialization, culture, social issues, health, and what not. But again, I cannot remember any lecture or any discussion on disabilities. Women's mental instability? Sure. Lots of that. But where are all the women and men with disabilities? How come there are no deaf main characters? No main characters on wheelchairs? No main characters with aphasia (impairment of language ability)?
I think this is really outrageous! Not only do we as society not include individuals with disability in the public spaces, we deliberately exclude them from literature as well. And doesn't literature in fact reflect reality? We exclude them from literature because they are not perfect. They are the "other." They taint our "beautiful" art. They pose challenges to the narrative. Everything is slower because of them, and we need to go out of our way because of their disability. The artist has to make extra effort to make room for these characters in her/his writing.
To me, literature is not merely a form of the "higher arts." It is, in addition, a vessel for political and social massages; a means – if used correctly and consciously – to initiate public discourse, to criticize, and to bring public attention to crucial issues society should engage in. All this, of course, through providing deep analysis and a critical perspective. No, I'm not talking about academic articles. I am talking about quality literary fiction.
And so the absence of round characters with disabilities is all the more striking, taken into consideration the role of literature. The degree to which characters with disabilities can enrich and inform literature is invaluable. It has the potential to enrich multiple layers: on the literary side, it has the potential to enrich the complexity of narrative, depth of characters, the range of issues the novel deals with, and the style of writing and structure, among others. Alongside this, it has the power to effect change among readers, thus impacting society. It has the power to bring the social, political and economic participation of people with disabilities in public life to the forefront of public discourse. It has the power to bring the voices and needs of individuals with disabilities from the margins to the center, thereby, contributing to making them equal partners and participants in society.
Dealing with disabilities in writing for me is a conscious effort. A direct result of coming face to face with my own prejudices and preconceptions. But I have admitted my ignorance and am moving forward with processing and learning. I am making a space for characters with disabilities to enter my writing – consciously. Yes, it is challenging both intellectually as well as creatively. The narrative isn't flowing as with a character without a disability. But this doesn't pose a barrier. It is a challenge I am working through.


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Space Tomatoes
Monday, June 26, 2006
Energy Drink Fun
We were making fun of energy drinks the other day at work. This is what we came up with:
Sperm Energy Drink
"Take a Shot in the Mouth!"
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text: There are four types of faces: oval, pear shaped, square and round. According to these, you should be able to choose the short hair styles that will suit you the most, so that the hair style will compliment the features of your face. So, the oval faces are longer than wider and the short hair styles are excellent for these faces. Opt for close cropped hair which is boyish and feminine at the same time. If you have a round face, so your cheeks are fuller which means you don't have to make them look even bigger. So, the short hair styles for you will be those that are just above the cheekbones, with a lot of volume which will diminish the big look of your cheeks. As a matter of fact, all hair styles that will have volume will compliment your face and will make your cheeks look slimmer. For people with a pear shaped face, have larger jaws than cheekbones. The long hair styles are not at all recommended for this type of face, as they will put the accent on this disproportion, making the face look longer and even fatter. So, the short hair styles for this type should add volume on the upper part, which will put a balance between the jaws and the forehead zone, making the face look proportionate. When's all said and done, the way your face is constructed plays an important role in the hair cut that you get.


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Welcome to Bully Wiki:Requests for Quote Change. Here you can add a reservation of which quote you want to change on a character's article. Please be advised, do not change any quotes for articles without a discussion. This article was created for users to reserve a quote and others can vote weather the quote shall change or not. This article was also created to prevent edit wars because two or more users in the past would usually revert their edits and argue to keep their's on the articles.
Patrollers, Administrators and Bureaucrats do not need permission to change a quote.
How to request a quote change Edit
- Find the quote, you want to reserve. All quotes if passed, will be displayed for two weeks, and after two weeks, another quote will be changed.
- Make sure the quote is said by the character. This cannot include references to the character or making one up. To find a list of dialogues, you can see our character quote articles for all quotes.
- After selecting a quote, please go to active requests.
- Put in your signature, character article, and state what quote you want to reserve. Please be patient when requesting a quote. Quote requests will usually last for a minimum of 2 days and a maximum of 5 days depending on how much votes are needed. Your quote request must have 1 or more vote(s) in order to change it. Do not change unless an Administrator or Bureaucrat gives you permission to do so.
- If passed, your quote will be changed by an administrator or bureaucrat. It will last two weeks, unless there is no request to change the quote.
Active Requests Edit
Passed Requests Edit
Failed Requests Edit
Example of making a Request Edit
- "Here, state the quote you want to request to change"
- — Here state what character you want his or her quote to change
Here state a reason why you chose this quote and why you think this best matches or describes the character. Also, Please leave your signature.
Votes Edit
Here Users can say Change to agree to switch the quote to yours. Users can say Don't Change to disagree to switch the quote to yours. All Voters must leave their signatures. If you're the user requesting to change the quote, you must not vote. If you have the most Change for 2 - 5 days, you're quote will be passed and an administrator or bureaucrat will change the old quote to yours, if you have more Don't Change votes, than game over, your request has failed.
- Change -
- Don't Change -
Comments Edit
- Here People can say why they agree or disagree to change your comment.


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24.-26.8. 2019
International Fashion Fair
24.-26.8. 2019
International Footwear and Leatherware Fair
Fashion will be more voluminous and angular
Inspiration for next spring and summer was brought by the traditional trade fair lecture delivered by the fashion trends specialist Ellen Haeser from the Netherlands. Looser and more voluminous clothes will head for women's wardrobes; the inspiration for them lies mainly in the 1970s and the 1990s.
Every year, merchants look for information which would help them better grasp the new fashion trends, and for inspiration for what to order for their shops. At the STYL and KABO trade fairs they are helped with this by a professional lecture, which shows not only fashion trends for the following year, but also key pieces of clothing which will sell well.
A striking change in women's wardrobes will be the shift to cleaner and sharper lines. Square coats without collars, asymmetrically cut skirts, and long, straight vests combined with a new type of broad and voluminous trousers in shortened length will be fashionable this year. Tops will also have irregular lines, and contrasting colours will be important, whether in graphic patterns or in combinations of large and sharply defined colour areas. Newly the fabrics will be combined with materials such as leather or suede, and brown in a variety of neutral and natural shades, including chocolate, is making its way to summer fashion. A clean look with sharply cut edges will be typical. Not only coats but also dresses will often be double-breasted cuts. Popularity continuing from past seasons will be enjoyed by shimmery and metallic materials and graphic prints. Neoprene materials, which take their inspiration from sports, allow being cut into a net. Actual net fabrics, lace, or lightweight transparent fabrics in voluminous cuts will also be worn. All of these trends are also reflected in accessories. The new bags are sharp, angular, and contrastingly colourful, but bulky bags typical of the nineties, newly for example with graphic patterns, are also returning.
Another determining trend is a handmade look with bright colours and ethnic motifs. The bohemian style finds its inspiration in Africa, in the style of South American Indians, and in cowboy romantics. Layering is typical, as well as draping and decorating with fringes. Materials used include linen and knitwear, and delicate graphic patterns and colour melanges are also used. An interesting new colour is the mango yellow, which is combined nicely with white or with neutral shades. Cowboy fashion is back in a romantic form and brings for example farmers' blouses with rich ornamentations and wide sleeves, which can be perfectly matched with jeans. The Western romance style includes fringes and suede. The new bohemian style brings wildness and freedom, a typical piece of clothing is represented by simply cut, printed, sleeveless maxi dresses.
Layering fans will certainly welcome the new variant of a short underskirt, combined with a long mesh or lace skirt. Lace will be applied to tops as well, for example to blouses of an angular cut, but besides the classic form, it will often be in an irregular, almost organic or gossamer form. Flared trousers from the 1970s are making a comeback, as well as denim in a variety of forms, ranging from classic dark blue to stonewashed white. Another novelty is a long narrow skirt lined with a wide flounce. And those who are not afraid of colours can really enjoy themselves. Not only distinctive graphic motifs and white stripes, the materials for next spring and summer radiate with an entire collage of vivid colours with bold accents in graphic and iridescent patterns. The popularity of floral prints continues, from tiny to large prints which almost look like wallpapers. Comfortable long dresses made of knitted fabrics, often with wide stripes, will be worn as well, and the popularity of pleating, as well as other materials with a 3D effect, i.e. various cut-throughs, folds, ruffles, etc., returns.
And what will be the key pieces of wardrobe for the next spring and summer? According to Ellen Haeser it will be for example bulky double-breasted trench coats or angular jackets. Dresses will be worn in lengths up to the ground, with a slender silhouette, and decorated with draping or sharply defined areas of contrasting colours. Another option will be A-cut skirts with a high waist. Regarding lengths, everything from scarf miniskirts to impractical maxi dresses will be worn. Besides the already popular pleated tunics, angularly cut tops and 1970s style wide loose sleeves will appear. Regarding materials, one of the novelties will be tops made of leather. But the biggest change awaits trousers. There will be a variety of options, from traditional narrow trousers or comfortable drop crotch tracksuit cuts, to wrap trousers, wide trousers with two rows of buttons, bell-bottoms, maxi long trousers, baggy trousers, or extra wide trousers with a shortened length.
A similar revolution does not await men's fashion. Trouser length remains unshortened and new elements appear mainly in the waist area: interesting decorative details, prominent buttons, cord belts, folds, and newly pleating as well. Stripes, checks, and graphic designs are moving from shirts to jackets, and voluminous scarves and shawls will become an important part of men's wardrobe. Similarly to women's fashion, there is a visible shift toward a bolder colour scheme, which does not avoid contrasting or bright shades of red, orange, or pink.
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Beauty Tips And Tricks You Need To Know
You may want to change up your regimen in order to look more beautiful. There is no better time than now. You likely have many questions about what is best, but this article is going to help. Down below you will find some great ideas to help you begin a good beauty routine.
Always protect your skin with sunscreen. When selecting your sunscreen, make sure you choose one with healthy ingredients and antioxidants. These ingredients will help nourish your skin and help retain its youthful appearance.
These processes open up your follicles, leaving skin vulnerable. Your skin might itch like mad. Your skin is delicate after waxing or sugaring, and you should avoid products that contain harsh chemicals or fragrances that can cause discomfort.
If you feel your face is too square, soften the angles with a creamy coral or rose blush, applied lightly and blended well. Apply the creamy blush to the apples of your cheeks with your fingers. Gently tug them and fan the color towards your temples.
Don't forget that a great hairstyle can complement your face. Styles that are longer and add length to the face will help. Opt for a hair length that lays somewhere between the chin and shoulders, but no shorter than the chin. You can even add lowlights and highlights that help frame the face. This brings eyes to your best feature, your face!
Curl your eyelashes before you put on mascara. Eyelash curlers can work wonders at elongating your lashes, and giving your eyes a more open appearance. Starting at the base of your lashes, squeeze the eyelash curler and hold it for a second. Move the curler closer to the tips of your lashes and repeat. This gives your lashes a natural curl instead of a sharp angle.
With these tips, you'll be well on your way to looking beautiful. Even if you felt like you knew certain things before, you are an expert now. The tips you've just read should have given you ideas for a much better beauty regimen.


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Highest broadband penetration
My name Kylie Age: 23. Great to watch, I would not want to be in your skin, once you get caught !HELLO,GUYS,
This article contains a sortable list of countries by number of broadband Internet subscriptions and penetration rates, using data compiled by the International Telecommunication Union.
Contents. [hide]. 1 List of countries; 2 See also; 3 References; 4 External links. List of countries[edit]. The list includes figures for both fixed.
For the Press
The statistic shows the countries with the largest share of high broadband connectivity during the first quarter of During that quarter, it was found that 85 percent of internet connections in South Korea averaged a connection speed of 10 Mbps or more, placing the country also in first place in a global ranking of highest.
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Description:While Internet access is approaching saturation in richer nations, connectivity is still not advancing fast enough to help bridge development gaps in areas like education and health care for those in poorer parts of the world, according to the edition of The State of Broadband report. Globally, an estimated 3. As smartphone penetration reaches near-saturation in the US, Europe and mature markets in Asia like Japan and Korea, India and Indonesia in particular are expected to drive future growth. The SDGs are achievable, but require urgent efforts and progress in the speed, degree and equality of development.


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What Nobody Tells You About Couples Therapy
Are you and your partner going to a couple's counselor, hoping to resolve your issues? Or, perhaps, you're just going preemptively? Either way, no one is ever prepared for what they encounter in this unique experience. Here's what nobody tells you about couple's therapy.
Your counselor won't take sides
No matter how nasty your significant other is being right in front of your counselor's eyes, the counselor will not take a side. Even if you say, "Do you see how mean he's being?!" your counselor will try to stay neutral.
Don't get mad at them
A counselor is there to help your relationship—not just cheer on one of you while blaming the other. That's not productive.
You'll cry a lot
When you go to individual counseling, you talk about things you're afraid of losing or ruining, but those things are not sitting right in front of you. In couples therapy, your partner is right there to hear all your thoughts and your pain. You'll end up crying a lot.
Keep your schedule light
Don't schedule anything for at least two hours after each session. You'll be pretty rattled leaving the therapist's office and need to regroup.
You'll have to share your history
Yup—the whole history. Your first session might feel long and cumbersome. It might feel like you're getting nothing done as you rehash the past.
Every second matters
You may think you know the stories and events that are important, but clearly, you don't—that's why you're seeking therapy. Your counselor can pick up important details from stories that you didn't think were that monumental. So start from the beginning and tell them everything.
Nobody gets to be silent
You know how at home, if you're tired of fighting about something, you can go to your separate corners? You can't do that in therapy. If you try to go silent because you're frustrated, your therapist will make you divulge what you're thinking. Otherwise, nothing will get accomplished.
…And that's the scary part
You might be forced to say something you've always feared would stir up more problems. But that's why your counselor is there: to help you tackle those problems. So get ready to face them.
They won't give you their opinion
You're going to want to ask your counselor, "Do you think we have a shot at making it work?" You're going to want a straight answer. You most likely won't get one.
Everybody is different
Sure, your therapist has a pretty good idea of whether or not the two of you will make it work. But they would never tell you this, for fear of self-fulfilling prophecies. Maybe you two do have a shot, but if your therapist said they didn't think you did, you might fall apart. Maybe you shouldn't be together, but if your therapist says you have a shot, you might stay in a relationship that is wrong for you.
It will feel awkward
Going to a counselor to work on your relationship can feel a bit like you and your significant other have been sent to detention. You feel as if you ended up on that couch because you messed up—because you're guilty of something.
That shouldn't last long
With a good counselor, that feeling of being scolded will go away. Your counselor will become a source of comfort for both you and your partner.
Your partner might reveal something scary
A lot of people use couples therapy as an opportunity to reveal a secret they've been holding on to for a long time. Be prepared for that—this may be the first time your partner feels comfortable telling you about a shocking secret.
It might change things
If your partner reveals a secret that you find unforgivable, you might need to tell your counselor, "I'm going to need to take a break from sessions to see if I think it's worth it for me to work on this relationship." Don't worry: counselors deal with this all of the time.
It might not be quick
Typically, the longer you wait to go to counseling, the longer you'll need to be in it. A couple who has only been unhappy for, say, a few months, may only need a few sessions to work out their issues. Meanwhile, a couple who has been harboring issues for years may need years of therapy to recover.


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Since virtually all business decisions have a financial dimension, an understanding of the financial implications of a decision is crucial for effective management. Our program, ranked No. 12 in the country by College Factual, and a Bloomberg Experiential Learning partner, helps Finance students develop a problem-solving, decision analysis framework centered around value creation and serving the consumer.
Smart Women in Finance Boston trip explores the many paths to success
A recent trip to Boston organized by Bryant's Smart Women in Finance (SWIF) offered 26 students an invaluable opportunity to go behind the scenes of the financial industry, and introduced them to mentors from Bryant's successful alumni finance community. Most importantly, however, it showed the students that the path was open for them to one day join their ranks.
"I hope everyone on the trip realized they can do the things they saw today and work in the places we visited," says SWIF President Denae Pisano '18, a Finance major and incoming Financial Analyst at Raytheon.
"This trip is about taking what the students have learned from the classroom to the industry," Finance Lecturer Mara Derderian '93 says. "It complements what we provide in an academic setting and rounds out their experience."
The itinerary for the trip, open to all students, was built from Bryant connections: alumni, parents, professional contacts and relationships established by SWIF. It was designed to provide a wide-ranging view of the many options open to students in the field.
The day began with a discussion at Wellington Management. Panelists included Anastasia Canty '97, CFA, a Managing Director and Equity Research Analyst at Wellington, and Stephanie Field '94, Managing Director, Learning and Operations at CFA Society Boston. They discussed their careers, what it takes to succeed, and their advice for students attempting to break into the field.
"This trip ... complements what we provide in an academic setting and rounds out their experience."
"If you enjoy finance there's so many ways for you to go," Field said. "The important thing is not to be afraid of it, don't be intimidated by it."
Afterward they spoke with the students in small groups, answering questions and sharing further insights. "It's really incredible to be able to relate to the panelists as real people, to know that these very successful investment professionals have had the same experience and gone through the same things we have as students," notes Vanessa MacMillan '19.
The group then traveled to The Federal Reserve Bank of Boston for a presentation on how the Fed sets monetary policy. They also visited the trading floor of MFS Investment Management, where they examined the business from the traders themselves as well as an overview of the investment industry from the firm's Director of Global Equity Trading.
"It was amazing to see where I'm, hopefully, going to be in the future," says Chris Sherman '19, who aims for a career in finance.
Opening doors
The day concluded with an alumni networking reception and panel. Heather Donahue-Ahrens '93, Managing Director at Four Springs Capital; Erica Vaters '91, Vice President of Compliance at Fidelity Investments; Eileen Hayes '07, Vice President, Asset Manager Relationship Management at Envestnet; and Scott Voss '92, Managing Director, HarbourVest Partners, all shared their stories and advice.
Events like the day's trip, Voss noted, were of key importance for students just starting out in their field because it introduced them to mentors who would help them both in college and beyond. "Mentors are critical at all points of someone's career, whether you're a student trying to figure out your first job, or even when you're on your second or third," he said. "They're the people who are opening doors for you and helping you figure out how to walk through them."


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