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The Community Manager — A Job Description
What does a Community Manager do all day? I've outlined a typical job description for this growing specialization.
Facebook Zero — Judgement Day for Community Managers
Those Facebook fans you paid once to acquire, you must now pay twice to reach. Time to adapt to "Facebook Zero."
17 Cool Brand Tweets
A collection of cool brand tweets. Maybe it's time for your brand to go outside of your Twitter comfort zone, too?
Dark Social — The Social Sharing We Can't See
How much is shared via email, messaging apps, and closed forums? According to Alexis Madrigal at the Atlantic, quite a lot.
How to Scale Social Media Marketing
Trying to scale social media marketing won't work, but tapping into several different and pre-existing interest group systems does.
The Clever Pinterest Virus
I clicked an image ad because I wanted to know who would be repinning such a pointless item. And - boom! - suddenly the Pinterest virus ended up on one of my boards as well.


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Limited diffraction array beams and caustic beam obtained with a conical lens
Marcelino Anguiano-Morales
Wide-angle x-ray diffraction theory versus classical dynamical theory
S.G. Podorov and A. Nazarkin
Defect control of inhibiting optical damage of lithium niobate crystals
Xiangke He, Zhigang Zhang, Xu Zhang, Meinan Liu and Dongfeng Xue
Soliton interaction in fiber lasers
Andrey Komarov, Adil Haboucha, Konstantin Komarov, Hervé Leblond , Mohamed Salhi and François Sanchez
Vector coherence theory: An overview of basic concepts and definitions
Andrey S. Ostrovsky, Patricia Martínez -Vara
Miguel A. Olvera-Santamaría and Gabriel Martínez- Niconoff
Electron holography in phase space
Ana Leonor Rivera and Víctor M. Castaño
Third-order nonlinear optical properties of donor-acceptor molecules
Raul Rangel-Rojo
Fractal diffractive lenses with improved diffraction efficiency
Laura Remon, Fernando Giménez, Walter D. Furlan and
Juan A. Monsoriu
Q (M) and other depolarization scalar metrics for light
Rafael Espinosa-Luna and Eusebio Bernabeu
Editorial Consultants : Bharadwaja Srowthi
Editor : Dr. Uma Pandalai, MD
Publications Manager : A.Gayathri
Research Signpost and the editors assume no resposibility for the opinions and statements advanced by contributors and will not be liable for any loss or damage caused by the use of material contained herein.
4 Big Red Avenue
Ontario- M1V1N7, Canada
Research Signpost, 607 Stanford Court, Irvine, CA, USA.
E-mail: firstname.lastname@example.com; email@example.com

subset: commoncrawl


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This is going to be the first of many jewelry posts, I can't believe it has taken me this long to post on one of my favorite topics. I'm sort of an accessory, particularly jewelry, junkie. I rarely even think about it, but I have five pieces of jewelry that never leave my body including when I sleep.
The ring I wear on my right hand I bought for myself on Cumberland Island, a little island off the coast of Georgia where one of my closest friends and her family have houses. Her cousin Go Go is an amazing jewelry designer, and I love to wear my rattlesnake rib ring because it's beautiful and organic and it reminds me of the great times I've spent on Cumberland with my friends, so it makes me happy whenever I look at it.
This bracelet hasn't left my wrist since my fiancé got it for me at C'est Magnifique in April. It is one of the most interesting jewelry stores in New York, if you want something different go check it out. It has been there forever, I used to go with my mom when I was a kid. The original owner was sadly murdered, and now it is run by his nephew who is incredibly nice. He believes certain pieces should be with certain people, and while that might seem strange for some, I think it's kind of great. If he doesn't think it's right for you and that you'll appreciate it, he doesn't want you to walk out of there with it. I fell in love with this southwestern silver bracelet instantly, and he gave it to us for a great price!
This necklace was given to me by my sister, it's from etsy, and it's a sloth. She and my mom like to tease me that the sloth is my spirit guide since sleeping is still one of my favorite activities. It's very comfy to wear and although I love necklaces and change them often, I wear this one as my stand-by and then switch it off for others when I feel like it.
Obviously the most symbolic thing I wear is my engagement ring on my left hand, which was my mother's (she wears her mother's ring now) and my father had it custom made for her. I like that it isn't a huge rock, it makes it more comfortable to wear, and I love the setting. Plus the jeweler who made it for my dad engraved his initials JP on the inside, and I'm Justine Patrice, what a happy coincidence!
Though I've been made fun of for it, I also wear a toe ring, I just like it, not sure why. This picture is kind of gross, eww feet—sorry!
Oh wait, I have an earring in my cartilage too, I've had it since high school and always forget it's there.
It's interesting that most of us, including men, wear some form of jewelry on our bodies most of the time, more than any other piece of clothing or beauty product, these accessories sometimes have deep meaning to us.
A lot of people wear engagement and wedding rings everyday as a reminder of the relationship that they're committed to and a symbol that links them back to another person, but any piece of jewelry from someone you love can act as a reminder of them. Sometimes the meaning that jewelry carries can be painful too, like when it's from an ex.
Crosses, stars of David, Udjats, jade coins, every culture has at least one if not many talismans or amulets that are worn as jewelry and meant to protect against evil or act as a sign of good luck. The human connection to jewelry is ancient, the oldest piece of jewelry is 100,00 years old and comes in the form of beads made from seashells. In many societies jewelry signifies wealth, and it is still one of the best investments you can make. If you buy a beautiful piece of jewelry, it will retain its value far longer than other items you may invest in.
There really is no limit to where you can adorn your body with jewels, but it seems that many people have a favorite. Some love earrings and would choose a pair of gorgeous white gold hoops over a strand of pearls any day. There are women (and men too) who just don't feel right leaving the house without a ring on their fingers, or a bracelet on their wrist, or a locket around their necks, it's a very personal thing. My sister favors big dangling earrings, while my mother wears a wrist full of bangles that jangle when she walks, and I personally love long necklaces and post earrings (which are also a favorite of my grandmother).
Some jewelry just feels right when you wear it, and it should. Jewelry can make you feel beautiful, it can make you feel connected to someone, and it can even make you feel safe. I still have a bracelet that my mother used to put on me or my sister when one of us was having a nightmare, she called it the "dream bracelet", and honestly, when I put it on, I felt safer, it really was magic.
When I first meet someone one of the first things I notice is their jewelry, whether it's a pinky ring on a man, or a pin on a woman's coat, I always feel it says so much about them. When you compliment someone on a bag or a scarf, sometimes they might say "oh, it was my mother's", but usually it's just an accessory. With jewelry, so often when you compliment it, or ask about it, there is a story that a person can tell you about it, even if it's just to say that it came from a cool flea market, but sometimes you get some really great stories.
I have a watch necklace that was given to my great-grandmother Rose by a boy who proposed to her when she was young, unfortunately her parents wouldn't let her marry him. He engraved her initials onto the back of the watch himself, and it always makes me so sad for him when I wear it, but I love that there is a story behind it, and I love that my grandmother always kept it.
Whether it was a friendship bracelet given to you in summer camp, or a family heirloom passed down for generations, I think all of us have been touched by jewelry at some point, and that's something you can't say for many other accessories or beauty products.
What about all of you? Do you have pieces that never leave your body? Do you wear a different "statement piece" everyday? What does the jewelry you wear remind you of or make you feel?


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Today The Duke split some more firewood and I stacked it. This is the perfect time of the year for this kind of job as the weather is pleasant during the day and we have had no rain for about a month so the wood is really dry.
Here it is all stacked along the side of the woodshed. This is in addition to the stack that we have under the house. We do not use a lot of wood so this will be a good start on our supply for next winter. It is a great feeling to know that what we are doing know will keep us warm next year.
Do you do any seasonal preparation ahead of time?


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It is important to clean your teeth multiple times a day especially if you are in orthodontic treatment with traditional braces or aligners. How do you do that when you are on the go you ask? We have made a list of some on the go must-haves for cleaning your teeth.
#1 Water: Its not always feasible to stop and brush your teeth after eating or drinking. After eating or drinking sugary beverages give your mouth a good thorough rinse with plain water. Water is easily and readily found, it is your friend, use it. Rinsing with water is not as good as brushing your teeth but it is better than letting food or beverage particles reside in your teeth, braces or aligners until you can brush.
#2 Toothbrush: Travel toothbrushes take up half the room of a normal toothbrush so it makes it easy to tuck away on the go. Even without toothpaste a toothbrush is beneficial to cleaning teeth, the brushing helps sweep away the particles left over from eating and drinking.
#3 Floss/Pick: Floss picks allow for you to get between the teeth and pick out food that may be stuck in the crevices of your teeth or braces.
#4 A Mirror: A pocket mirror can be helpful while cleaning your teeth on the go, whether you are brushing or using your floss pick, seeing what you are doing helps. Hint; the camera on your smart phone can act as a mirror in times of need.
Bottom Line- Clean your teeth even on the go, so be prepared. Good oral hygiene is important in shaping your new smile.


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Be Seen With Good Search Engine Marketing Content
Do you need more traffic in your site? Then, SEO may be the answer to suit your needs. Search engine optimisation means to get a website that does well in search results. To learn more, browse the article below.
Break-up long articles into shorter parts. Having multiple small article helps enhance your site superior to one large one.
Also, viewers will probably read shorter articles.
When attempting to boost your site's search engine marketing, have patience. You will not see any huge changes or even an influx in traffic overnight. It takes a lot of time when you are a new comer to this. Just as with the offline business, the trustworthiness of a cyber business needs time to improve.
Visit competitors' websites to have a look at their source code. That permits you to in alone SEO techniques, including keywords. Don't plagiarize their work, but do take hints from using it for your plan.
Market your knowledge of your distinct field, so your customers understand your degree of knowledge. This will really enhance your Internet marketing success. Design your site around a specific niche, and make use of SEO techniques to drive those prospective customers in your site for them to get your services and products. Get feedback out of your customers regarding their preferences. This will help you determine one of the most successful goods and services to supply.
Ask reputable companies such as non-profits to offer links to the internet site. If you are linked from a reputable source, this can be considered as top quality content for the various search engines. Use quality content to encourage these reliable, reputable sources to want to include a backlink to your blog independently. You have to create original unique content that is wonderful for these websites.
Avoid Flash on your own site. Flash takes a while to load and it is not readable for some spiders, therefore it isn't indexed. Succeeding with an internet search engine crawler implies that your site content must be easily found and made use of by them.
Any successful SEO process needs to include the development of a site map. Spiders may have an easier time crawling your web site if you find a web site map. A significantly large website might require multiple site map. Each map ought not exceed 100 links in dimensions.
Use keywords inside a website page's URL to help make it popular with search engines. In the event the URL contains numbers or symbols that folks are unlikely to find, the page will likely be more unlikely to have high search engine ranking positions. By including keywords inside your URL you will find a huge boost in search engine ranking positions.
Utilize a site map so that search engines can easier index your pages. Site maps enable search engines like google to navigate to your page, from anywhere on your own site. Regardless of whether your website is just a hole from the wall in comparison with giants like Amazon, an internet site map does wonders for your personal search engine marketing.
As you've read, SEO is simple, free, and good at making your website popular online. Begin using these tips to create your website popular. Purchase one step in front of the competitors by implementing the following tips as quickly as possible..


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Before Your Arrival
Before you leave for the UK you will need to arrange some short term accommodation to allow you to familiarise yourself with the area before entering into a long-term agreement. Talk to colleagues in your department about the popular and local areas to live in. You could take a look on property websites such as Right Move, Gumtree or Zoopla.
Areas of Liverpool
Liverpool is split into several districts. A complete list can be found on liverpool-map.com.
When you first move to the UK it would be advisable to rent first giving you the opportunity to get to know the area before you decide to buy. You can find local properties owned by private landlords (as opposed to properties owned by the local council) advertising online, on notice boards, or via a lettings agent.
The minimum amount of time you can rent is for 6 months.
Finding a place
As mentioned above, there are several places you can find accommodation to rent. Right Move and Zoopla are a good place to start. You can try the classifieds on the University of Liverpool staff intranet or via a local letting agent.
When you have decided on a place to rent, you will be required to put down a deposit. This is usually a month's rent. This is held by either the Letting Agent or the Landlord and returned when you tenancy has ended.
Tenancy agreement
When you agree to rent a property you will be required to sign a tenancy agreement. Tenancy agreements should normally contain information about the amount of rent, the length of the tenancy and what rights you and your landlord will have under the law.
Check the tenancy agreement thoroughly and if there is something you do not understand, don't sign it. If you do not fully understand your rights, show your tenancy agreement to an adviser in the accommodation office at the university and ask for help.
When you do sign the tenancy agreement, make sure you get a copy to keep for yourself, in case you need to check any details later on.
You may also be asked to sign an inventory of items in the property. Make sure you check this thoroughly and only sign it when you are happy that all the items have been listed. Make sure you are given a copy of this as well.
If an inventory has not been provided, you should make one yourself and send a copy to the landlord or letting agent.
Your rights as a tenant
As a tenant you have certain rights and responsibilities. For a guide to tenancy rights and responsibilities, visit the gov.uk website.
Finding a place
There are a number of ways in which you could find a property to buy:-
- using estate agents
- looking at the property pages in local newspapers
- contacting house building companies for details of new properties being built in the area
- looking on the internet using sites such as Right Move, Zoopla etc.
Getting a mortgage
If you wish to buy a home you may be able to borrow money to do this. This is called a mortgage. The loan is for a fixed period, called a term and you have to pay interest on the loan. If you do not keep up the agreed repayments, the lender can take possession of the property.
You can find more advice about obtaining a mortgage from an independent financial advisor.
Making an offer
When you decide you would like to buy a particular property you do not necessarily have to pay the price being asked for it by the owners. If the property is being sold through an estate agent you put your offer to them who will then put the offer to the owners. If the owners do not accept the first offer, you can increase the offer. There is no limit on the number of times you can make offers on a property. If you make an oral offer this is never legally binding.
Once your offer has been accepted it can take between 2 and 4 months for the sale to go through. You will have to contact a solicitor or a conveyancer to do the conveyancing. Once instructed they will draw up a contract and complete and surveys and searches on the property.
Once the contacts have been signed by both parties and the money transferred, you legally own the property.
For more information see the Citizens Advice website.
Council Tax
Council Tax is a tax that is charged by the local authority based on the property's value and the number of people living in it. If you are renting a property and the rent doesn't cover the bills, you will probably have to pay council tax. This will be billed by the local authority (not your landlord).
There is a 25% discount offered to properties occupied by a single person.
For more information about council tax in Liverpool visit the Liverpool Council website.
Gas and electricity bills
When you move into the property note down the gas and electricity meter readings. You usually receive a bill every three months. If you are renting, ask your landlord/Letting agent who the supplier is.
The water supplier in the North West is United Utilities.
Television licence
In order to watch live television in the UK you need a TV licence. See the TV licensing website for more information.
There may be an existing telephone line in your property. If you are renting, contact your landlord or letting agent.
There is a wide range of companies who offer high speed broadband in the UK. Search the internet for a supplier that best suites your needs.


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- Info
- Reviews
- Share
Ultraman Infinite Fighting
Fight gigantic monster that had invaded the earth! Take role as this brave super hero, Ultraman, and stand against all mutated monsters you meet. Good luck!
As Always, Good Luck and Have Fun.
Player 1/Player 2 moves:
Arrow keys/WASD to move, J/1 to attack, KLI/235 to use skills.


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They've just finished their headline tour at London's legendary Koko, made some pretty great music in the form of MP!-approved debut album 'No Strings Attached' and even hung out with the MP! team. And now Kieran, Dean, Sean and Kit's hard work has paid off with a Top 20 chart position in this midweek. For an unsigned band, that's as rare as a member of The Vamps with his top on. Congrats guys.
Are backstage interview with Room 94 is coming very soon.
Unsigned band & we've entered the UK official album chart midweeks at number 18…WHAT?!?! Love you guys
— kieranlemon (@kieranlemon) March 12, 2014


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Red Truck Peanuts 4-pack Assorted
A daughter of farmers, Patsy Marks married another farmer and their family has been growing, roasting and packing large gourmet peanuts on their southeastern Virginia land since 1993. We'll send four tins, assorted flavors, of their gourmet peanuts each in a branded Red Truck tin.
Started in a Virginia farmhouse over 30 years ago, Brian Noyes' Red Truck Bakery is one of Condé Nast Traveler's 13 Destination Bakeries in America. Named after the red 1954 Ford truck Brian used to deliver his rustic baked goods to local country stores, Red Truck Bakery has gained a cult-like following that includes Oprah and former President Barack Obama—with Roadfood's Jane & Michael Stern being among some of their loudest and proudest early supporters.
More Details
- Each package includes 4 tins of peanuts in assorted flavors
Shipping Details
- Items are prepared fresh and shipped directly from the shop
- Red Truck Bakery ships Monday-Thursday of each week
- Orders cannot be shipped to P.O. Boxes
- Orders shipped to Alaska and Hawaii via 2-day will incur an additional $20 charge or $35 for Overnight Shipping. Sorry guys!
- Have more questions about Shipping? Read our Shipping FAQ page.


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Summer Engineering Camp
The Northrop Grumman Summer Engineering Camp is a two week camp in which students explore aerospace, electrical, civil and mechanical engineering with hands-on activities such as rockets, circuits, bridges, and robots. Students also explore computer science by learning to code and write apps. Northrop Grumman Summer Engineering Camp (previously Viterbi Summer Engineering camp and the ExxonMobil Bernard Harris Summer Science Camp) serves 32 students each year and has been a part of USC Viterbi for over 10 years.
Depending on funding, the cost of this two-week camp is $750. However, all low-income students accepted into the camp will receive a FULL SCHOLARSHIP; this will be based on participation in the free and reduced school lunch program.
Time and Dates
The camp runs from 8:00 a.m. to 4:00 p.m. Monday to Friday each week of the camp. Lunch will be provided each day of the camp. Selected participants will be responsible for own transportation to and from the USC campus daily.
Application Details
All three parts of the application must be received by May 1. Incomplete applications will NOT be considered. It is the responsibility of the student to ensure that all application materials are received by the deadline. All applicants will be notified by email regarding application status no later than the end of May. Application forms are to the right.
2020 Camp Information
July 20 to July 31, 2020 – tentative
(Monday to Friday each week)
Three Part Application:
(available in January 2020)
Application Materials Due May 1, 2020
Notification by May 31, 2020 (email)
Application Requirements
Submit a complete application, including the application form, school records form, and teacher recommendation.
Currently enrolled in the 5th, 6th or 7th grade
Have at least a B average in science and math classes
Must attend both weeks of camp
Priority will be given to active MESA or Viterbi STEM School Partner students
For more information, please contact Ben Louie at email@example.com or (213) 740-5708.


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For those who enjoy playing online poker, high profile tournaments such as the World Series of Poker create a great deal of interest. To play in these tournaments, most of the participants are sponsored by sites that provide online poker. You often see them seated around the poker table sporting some kind of item, maybe a jacket or hat, with their sponsor's logo emblazoned on it. Online poker sites provide these sponsorships as they bring a great deal of fame to the site itself. When a site has a sponsored player in one of these tournaments, they obtain a great deal of publicity not only from the televised event itself but also from related media coverage.
The poker players that are sponsored by online poker sites, like poker.ladbrokes.com, are some of the best in the world. Sponsors are quite selective as to whom they will endorse for these high profile poker events. They select players that have made a mark somehow in poker. Many of these players are experienced poker player, but this does not mean that online poker sites will not take a chance on a newer player. They often will sponsor newer players who have a good history of poker playing at their particular site.
Sponsorship deals can be rather lucrative deals. Not only are selected players offered tremendous sums of money to play but to also get their logo and brand name out there. This was often the case initially when sponsorships began. However, online poker sites now demand more from the players whom they sponsor. They want a greater return for their investment and want to minimise their risk. Often, the site will expect a percentage of any winnings taken by the player. Still, sponsorship deals are quite beneficial for poker players. The specifics of these sponsorship deals will vary according to the online casino who is the sponsor.


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The journal invites contributions in the fields of:
- discourse analysis
- pragmatics
- stylistics
- sociolinguistics
- applied linguistics
- semantics
- syntax
The journal has adopted 'double-blind' peer-reviewing procedures, which guarantees anonymity for both authors and reviewers. All manuscripts sent to Discourse and Interaction are first reviewed by the editors as to their suitability; then, they are sent to two reviewers who send back their comments with a recommendation to accept, suggest rewriting and resubmission, or reject.
All submitted manuscripts should be new, original and not published previously; it is the sole responsibility of the authors that their manuscripts shall not contain any plagiarized or improperly attributed materials.
The journal is indexed in SCOPUS and ERIH PLUS.
Publication in Discourse and Interaction is free of charge.
Already have a Username/Password for Discourse and Interaction?
Need a Username/Password?
Registration and login are required to submit items online and to check the status of current submissions.
Discourse and Interaction – Special Issue Call
This special issue will comprise primarily papers presented within the Specialised discourse: Where from and whereto? at the ESSE 2018 conference in Brno but we will be happy to accept further submissions on this topic.
|Posted: 2019-03-29
The Eighth Brno Conference on Linguistics Studies in English
The Department of English Language and Literature, Faculty of Education, Masaryk University, Brno, Czech Republic announces The Eighth Brno Conference on Linguistics Studies in English, which will be held in Brno on 12-13 September 2019.
Further details and update could be found directly on the conference pages (https://katedry.ped.muni.cz/lingvistika).
|Posted: 2018-12-21
|More Announcements...


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Gum disease, also called periodontal disease, is a severe oral health disorder in the mouth caused by infected gum tissue that progresses over time. Usually, gum disease is caused by poor oral hygiene and the lack of proper cleaning customs and methods. By treating your smile right and avoiding gum disease, your smile can flourish
Create an improved oral health identity with gum disease treatments. If you are unsure if your oral health care requires gum disease care, look for the following:
– Look for gums that bleed easily or are extremely sensitive to the touch.
– Try to avoid poor oral hygiene and improper or neglected oral health care routines.
– Did you ever smoke or use drugs, both of which put you at an elevated risk for gum disease?
– Be cautious around swollen, bruised, excessively red or bleeding gums.
– Stay away from dry mouth symptoms caused by some foods and medications.
– Search for signs that your gums are reversing course and pulling away from teeth.
– Look for halitosis symptoms that keep coming back.
If you are looking to restore your gums, or enhance your smile further, contact Dr. Jeffrey C. Hambleton and our team at Lawrence Periodontics, LLC. We can be reached by calling us at 785-312-3820 to book a reservation to see us at our office in Lawrence, Kansas. Come in today and improve your smile with our help.


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Suzuki Alto 1.0 SZ, 2014, 31,000 miles, £0 ROAD TAX per year. Just been serviced by our on site garage and has had 4 brand new tyres and brand new front brake discs and pads, will come with a new MOT. Features include power Steering, electric front windows, cd player, trip computer, 2 speed wipers+intermittent wipe, green tinted glass, headlamp levelling, rear demister, rear wiper with interval delay, 12V Accessory socket, 2 bag hooks in luggage compartment, 2 cupholders, 2x rear seatbelt, 3 spoke steering wheel, Bench folding rear seat, Bottle holders, Child isofix seat anchorage points, Cloth door trim, Cloth upholstery, Dashboard storage, Driver/passenger sunvisors with ticket holders + vanity mirrors, Front and rear door pockets, luggage area lamp, luggage cover, passenger seat back pocket, tilt adjustable steering wheel, 'childproof' rear door locks, ABS, brakes, driver and passenger airbags, front passenger airbag deactivation, height adj front seatbelts/belt force limiters. S.L Carriage are pleased to offer this lovely Suzuki Alto, at only 99 Co2 emissions this will cost you £0 to tax and has fantastic fuel economy. Would suit a first time driver or make an ideal city car.
HPI Clear. Comes with 6 month warranty, serviced and new MOT.
Call Steve on 0208 936 7664.


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3-pass flame tube boiler with seamless flame tubes that can be fitted with the burner of your choice
- Available capacity range from 290 to 9304 kW
- Useful output of 91 to 95% of the calorific value depending on the load
- Suitable for gas, fuel oil, extra heavy fuel oil, biogas, etc.
- Standard operating pressure 2 bar. Available with higher operating pressure of 4/6/8 bar on request
Specially for intensive use in horticulture
Can be connected directly to the heating network or via (open) buffer system
- Seamless flame tubes, wall thickness 5mm with factory certificate and welded to the firebox tube plate
- Low boiler load for long useful life
- Facility for fitting combined gas/oil burner or switching over to other fuel later
- Various tailor-made implementation options (free of charge) in order to match the boiler to the boiler house
- Burner flange for burner of choice supplied free with the boiler
- Easy access for maintenance
- 10-year guarantee against manufacturing faults


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Orbograph Releases White Paper, "Strategic Considerations For Paper-based Healthcare Payments"
HFMA-ANI Conference Orlando, FL June 22, 2015– Orbograph, a premier supplier of recognition solutions for the U.S. check processing market, as well as electronic/paper automation solutions in healthcare revenue cycle management (RCM), announced today that the company has published a white paper titled, "Strategic Implications For Paper-based Healthcare Payments."
The white paper, released at the HFMA-ANI 2015 Annual Conference, addresses the motivations and considerations of attaining straight-through processing levels of efficiency on explanation of benefits (EOBs) forms, checks, correspondence letters and patient payments. The paper leverages research information from the CAQH Index and Strategic Healthcare Payments Research Initiative from BoardTrust.
The white paper challenges the notion that healthcare providers are highly motivated to eliminate paper due to prioritization of regulatory and compliance requirements, challenges of obtaining and implementing originating EDI files for posting and prioritization of projects with greater ROI.
The paper concludes with strategy recommendations to transition immediately to a 100% paper-free environment by using paper conversion technologies. By implementing such a process, providers can eliminate existing paper processes, reduce unit costs by potentially $1.77 per claim and address top revenue cycle management priorities like aggregated denials analytics.
Barry Cohen, Co-President of Orbograph stated, "There is a paradox in the industry in that EDI payment penetration is only 60%, but satisfaction levels of hospital revenue cycle managers is 91%! I believe there is an educational opportunity to communicate that straight-through process and a paper-free environment can be attained within a 30-day window, with immediate ROI and minimal disruption."
Click here to download your copy of Strategic Considerations For Paper-based Healthcare Payments.
About Orbograph
Orbograph (www.orbograph.com), a subsidiary of Orbotech, is a premier supplier of electronic/paper automation solutions in healthcare revenue cycle management (RCM) and recognition software for the U.S. check and lockbox processing markets. Orbograph technologies are in use in over 1,600 financial institutions, service bureaus, clearinghouses and billers processing billions of checks and claims annually. The cloud-based Healthcare Payments Automation Center (HPAC) is "Enabling Transformation of Healthcare Payments" by converting paper-based EOBs, correspondence and patient payments, normalizing ANSI X12 EDI 835 remittance advices and reconciling EFT/ACH payments to ERAs via reassociation. HPAC automates posting of receivables into patient accounting systems and hospital information systems, achieving straight-through processing levels of efficiency. Orbograph recognition technologies are "Enabling Transformation of the Check Experience" in 20 of the top 30 U.S. financial institutions with in-house check processing. Get more information at www.orbograph.com, or contact Joe Gregory, 978-667-6037 x5046, email@example.com.
# # #
NOTE: Actual performance may vary according to hardware used, configuration or other factors within your processing environment. Statistics cited in this release do not constitute guarantees of performance. For more information, visit us online at www.orbograph.com.


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Flying High Ramadan Banner
was $5.50
Part of our Flying High Kids collection, "Ramadan Kareem" and our signature balloons decorate this fun banner and makes any Ramadan party more festive! You can even laminate it and place it on your front door!
Order Details:
- 1 unwrapped banner
- 19 x 27 inches
- Full Color printed on white gloss paper
See more: Decorations
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FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 1/18/13
Welcome to FiduciaryNews.com Trending Topics. Each Monday, we'll give you a quick synopsis of the major news events and trends impacting ERISA plan sponsors, 401k fiduciaries and those in the business of supporting these fine folks. If you smile when you read these entertaining snippets, well, that's the idea. If you think we're missing something important, then please let us know. But, note this well, we avoid press releases masquerading as news stories (even though they might be reported by journalists) as well as mass media pabulum that merely mouths investment myths and mistakes.
FiduciaryNews Lead Story:
"Have Mutual Fund Rating Agencies Lost Their Mojo?" (FiduciaryNews.com, January 15, 2013). For retirement and retail investors alike, have mutual fund rating agencies passed their collective "use by" date? Read this controversial article and then go to FiduciaryNews.com later this week for the amazing follow-up story.
Compliance – Trickle, Trickle, Trickle:
That's the sound of annoying facts spilling out into the media stream, confounding the meme of the too big to fail establishment. When will they ever learn? Yes, that goes for Peter and Paul as well as Mary, who we can reasonably blame for this whole thing.
"Pension Funding Gap Widens for Big Cities," (Wall Street Journal, January 15, 2013) How many times must we read this same headline before someone does something about it? It's funny, this issue will probably lead to more personal hardships than all the mass murders ever will, so how can our politicians demagogue gun control in an instant while leaving our sinking finances on the back burner?
"Pension Rules Drive Annuity Decision," (PLANSPONSOR.com, January 17, 2013) Hmm, maybe all that "401k plans need an annuity option" was a bit overblown. It turns out, when not offered a choice of a lump-sum withdrawal, 100% of pensioners annuitize. When offered the choice, only 27% annuitize. Maybe the other 73% know something the annuity advocates don't.
"More Public Pensions Made Changes After Recession," (PLANSPONSOR.com, January 18, 2013) If you want to read all the sad news, go ahead and read this.
"Retirement Savings Accounts Draw U.S. Consumer Bureau Attention," (Bloomberg, January 18, 2013) Well, well, well. Perhaps this is the real reason the SEC and the DOL seem to be in a hurry to get their Fiduciary Standard plans out into the public (see below). It appears yet a third government regulator is just licking its chops to justify entering the vast foray of retirement consumer services.
Fiduciary – Watch While I Pull a Rabbit Out of My…:
This is what they teach at editor's school: Always provide the reader with just enough information, but be sure to leave an appropriate blank. That way, no matter what type of reader reads your piece, they all think it will agree with their perspective.
"Advisors May Still Lose Right to Earn Commissions on IRA Advice," (AdvisorOne, January 15, 2013) And in related topics, bank robbers may still lose right to access other people's money, pedophiles may soon lose right to free love and rights activists continue to imply "rights" where "responsibilities" are the more appropriate term. Yes, this headline is abusive. But, unfortunately, in a world of literary naiveté, only editors know that.
"SIFMA Expects Step Forward on Fiduciary Standard by March," (Wall Street Journal, January 16, 2013) The headline misleads just a tad. It's not that SIFMA expects to do something about the Fiduciary Standard, it's that they expect the SEC to move forward on it. If the March timeframe is true, it'll be faster than anyone expected and may put pressure on the timing of the DOL's new definition of fiduciary.
"SEC to Take Another Step Toward Fiduciary Rule," (AdvisorOne, January 16, 2013) This article is a little more in depth than the one above and it paints a slightly different picture. Here, it seems SIMFA is firing a warning shot across the SEC's bow and trying to influence their decision, which SIMFA apparently feels is trending in a direction not in their best interest.
"Did E-Trade just hijack the fiduciary issue?" (BenefitsPro, January 17, 2013) The popular discount brokerage firm just ran the best pro-fiduciary commercial ever seen. The trouble is, it's a broker and not a fiduciary. And, last time we checked, it gets fees and revenues from the securities it sells (not just brokerage commissions, but actual payments from the mutual fund companies). This isn't fiduciary. This isn't fiduciary at all.
"SIFMA Seeking Progress on Uniform Fiduciary Standard in 1Q," (On Wall Street, January 17, 2013) Here's SIFMA making the best PR effort out of a bad (for them) thing. This face says they want a Uniform Fiduciary Standard. See earlier articles for what their other face is saying.
Fees – If Europe Thinks this is a Good Idea…:
Not to worry. Every once in a while we get things right that are worth repeating. File this lesson under: "U.S. Constitution."
"New code forces disclosure of UK pension charges," (Reuters, January 11, 2013) A week late and a dollar short, but we thought you might be interested in seeing how the rest of the world follows us.
Investments – It was the Best of Plans:
Sometimes an idea works, but not in the way intended. And sometimes, you have to first take small steps in the wrong direction just to get off the couch.
"The 4 Percent Rule: Static Decisions In A Dynamic World," (Financial Advisor, January 15, 2013) The article brings up a common complaint about the 4% (or 5%) withdrawal rule for retirees – it assumes a static environment in a dynamic reality. For example, if we suffer another 2008/2009 episode and the market drops 50%, that 4% withdrawal rate will not be enough to fund the retiree's lifestyle. Ironically, the complaint only exposes the problem of trying to apply statistical models to the real world. In fact, a managed portfolio is not a single entity (unless it's a mutual fund), but a collection of individual securities. So, in the case of a retiree, a full two-years of withdrawals (at a minimum) should be kept in cash. Two years is generally long enough to ride out a market crash. Again, for example, most actively managed portfolios had regained everything they lost by 2010/2011 (they were ahead of the market because for the most part they lost less than the market).
"Why you can't avoid dumb 401k mistakes," (MarketWatch, January 16, 2013) Robert Powell offers an excellent interpretation of a recent study. Although the study is flawed in some aspects, Powell is able to use its conclusions to help redirect plan sponsors and participants from making the most typical investment decision making errors. Read it.
"Target-Date Mutual Funds Help Young Workers Set Up Smart 401k Plans," (TIME, January 18, 2013) Well, sometimes doing a good thing for a bad reason is still doing a good thing. Get them used to saving first. Then they can worry about how to invest right.
Major Plan Sponsor Moves and News:
What are other plan sponsors and fiduciaries doing with their plans? And how are participants responding? The latest in legal proceedings involving plan sponsors and fiduciaries.
"Retired PSCA president David Wray discusses his legacy," (Employee Benefit News, January 14, 2013)
"401k breaches undermining retirement security for millions," (The Washington Post, January 14, 2013)
"Full-Retirement Age May Be Worst Time For Singles To Start Social Security," (Financial Advisor, January 15, 2013)
"Are DC Plan Sponsors Funding Retirement," (PLANSPONSOR.com, January 15, 2013)
"401k Plans Have $70 Billion Problem: Report," (AdvisorOne, January 16, 2013)
"Retirement self-sabotage," (BenefitsPro, January 17, 2013)
"Participant Recession Activity Hurt Retirement Savings," (PLANSPONSOR.com, January 17, 2013)
Wisdom from Some of Our Favorite Blogs:
The Chicago Financial Planner: 3 Financial Products to Consider Avoiding |
fi360 Blog: Fiduciary Links: FINRA Proposed Regulatory Notice 13-02 and how far does disclosure need to go |
CFO.com: 10 Steps 401k Plan Sponsors Should Take This Year |
The Chicago Financial Planner: Mutual Funds and Alabama Football – Does Past Performance Matter? |
fi360 Blog: Have you tested your disaster recovery plan lately? |
The Chicago Financial Planner: Friday Finance Links January 18, 2013 |
Hot Tips from Popular Web Resources:
Mercer: Ten steps that Defined Contribution plan sponsors |
Retirement Town Hall: Defined benefits' 2012 year in review |
Miss anything? Feel free to add a comment below.


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Printable Vector Map of Madrid Spain detailed City Plan scale 100 m 1:3577 full editable Adobe Illustrator Street Map in layers, scalable, text format all names, 60 MB ZIP
All street names, Main Objects, Buildings. Map for design, printing, arts, projects, presentations, for architects, designers, and builders, business, logistics.
Layers: color_fills, water, streets_roads, labels_roads, names_objects, names_streets, names_places, arrows_streets, buildings, legend, etc.
The most exact and detailed map of the city in scale.
For Editing and High-Quality Printing
Capital of Spain
Madrid, Spain's central capital, is a city of elegant boulevards and expansive, manicured parks such as the Buen Retiro. It's renowned for its rich repositories of European art, including the Prado Museum's works by Goya, Velázquez and other Spanish masters. The heart of old Hapsburg Madrid is the portico-lined Plaza Mayor, and nearby is the baroque Royal Palace and Armory, displaying historic weaponry.


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Green Office for a sustainable future
WWF Pakistan guides offices in setting up and developing the Green Office system. WWF supports environmental management in office through its Green Office tools.
Following services are provided by WWF-Pakistan to companies enrolled for the Green office program certification:
1. Calculation of Carbon Foot print
The WWF-Pakistan team shall calculate the carbon foot print of the Organization from the KPI (electrical, paper, waste, travel) data provided by the Organization. WWF-Pakistan uses patent software and local carbon emission factors to calculate the foot print. The results are shared with the organization as well as compared with the previous year's data for performance evaluation.
2. Lighting Audit by Philips Electrical Pakistan
The lighting designer from Philips will calculate the current load and suggest efficient lighting solutions with less wattage, resulting in a decrease in total energy consumption. Areas of improvement can be identified considering the standard lighting levels and companies can easily calculate their return on investment.
3. Green Office Certification
The Organization will be awarded with the Green Office certificate after the Certification Audit. This certificate shows that the organization is environmentally sensitized and committed.
4. Publicity
After having received the Green office Certificate and officially becoming a member of the Green Office Network, the organization will have the right to use the WWF Green Office Logo as per the guidelines, in recognition of their environment friendly practices. The organization's name is published on WWF's website and the organization's exemplary eco efficient practices are shared at the national and international level.
5. Access to Green Office COMPASS
Green office Compass is an international portal for the global Green Offices. It is a platform where you can get information on the companies certified as Green Office, and their environmental initiatives. The new companies can benefit from the international companies which are already working for the conservation of resources.
6. Consumer Habit Questionnaire
WWF-Pakistan shall provide a link to an online questionnaire to the organization. Each employee of the organization has to fill up this online questionnaire. The results will be shared instantly with the employee. They can gauge their global standing in terms of carbon footprint.
7. Monthly Eco Tip
WWF-Pakistan shall share an Eco tip as a monthly activity with the Green Office network. It includes practical green steps that each employee at the organization can take up in offices as well as at homes.
8. Environmental Trainings & Workshops
WWF-Pakistan provides bi-annual trainings to all the employees of the registered corporate offices. This includes customized training sessions for the top management, mid level staff, and janitors, etc to reinforce their role in bringing environmental sustainability to their workplaces.
9. Subscription to Natura.
Natura is WWF-Pakistan's quarterly magazine. Its subscription is free for all Green Office Network companies. The magazine addresses all current environmental issues from national and international authors with rationalized and practical solutions.
10. Annual Network meeting
WWF-Pakistan arranges an annual Green Office Network meeting annually for the enrolled organizations as well as for other potential ones. Experts are invited to deliver/discuss on various environmental issues such as green buildings, energy conservation, etc. This meeting and all other activities serve as a path towards continual improvement throughout the organization as well as in employees' behaviour.


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Get a Free Quote from Torquay Garages
Find a Car Garage in Torbay
Running a car can be tough. Not only does it cost a lot to run, but sometimes things can go wrong – not to mention the need for servicing and MOTs. This is the Torquay Online directory page for car mechanics in Torbay.
If you're looking for a car garage to fix an issue with your car in Torbay or for a servicing or MOT, this is the right page for you. Look at the Torbay mechanics below and one of them will be able to help you out.
If you would like us to do the hard work for you, that's fine. We can find a mechanic in Torbay to help you with your car needs. As the #1 Hub for business and local people in Torbay, we have a number of contacts that you can trust to do the job. Just fill out the contact form in detail and we'll do the rest.
Torbay's Car Mechanics and garages
If you are a local car mechanic and you don't find yourself on this list, worry not. Get in touch with us and we'll discuss adding you to it. If you are on here and would like to expand your listing to include things such as reviews, address, website, Facebook etc then we can also help. Send an email to email@example.com to see what we can do for you.
Grease Monkey Garage SW
2-4 Briary Ln, Torquay, TQ1 3BD
Based in Torquay, Grease Monkey Garage SW is the answer for all round vehicle services including mechanical and body repairs. The company is the merger of two highly skilled car technicians with over 30 years combined experience, dealing with all aspects of vehicle repair.
Dave's previous experience includes many years spent at BMW and other local garages and he is delighted to have now merged with Danny Hall of Restyle Bodyworx, formerly of Abbotskerswell, specialising in body and alloy wheel repairs and paint with an extremely high customer satisfaction rate. Please get in touch to experience the difference in vehicle repairs!
Contact Grease Monkey Garage SW
01803 898444
Here's what some of Grease Monkey Garage SW's customers had to say about them…
After looking for a local garage, Dave was recommended by many on Facebook and was told he'd be the guy to look at my leaking diesel injectors.
After investigation it was found that there were many issues and injectors had to be replaced and rethreading the Ports were also involved.
Dave handled the issues professionally and had be back up and running soon after. I have an old Mercedes and many issues arose due to the age but these were all sorted.
Soon after Dave sorted my MOT too and again some complicated issues arose but Dave worked his magic and got me back on the road again.
Excellent service and competitive prices. I'll certainly be using Dave and his garage for future services and repairs and recommend others to do so also.
It's been a long time looking for a good reliable trustworthy garage & mechanic since the one I've used for years retired. Dave worked hard to get my son's car back on the road at competitive price plus discount for NHS staff. Highly recommend.
I brought my truck in with what we thought was going to be a fairly standard repair, however, upon further investigation we found my truck had a serious issue, which required an immediate correction.
It was a fiddly job and close to the Christmas break, but Dave handled it professionally and did a great job – my truck is now running a lot smoother and better than it did prior to being it in. It was not a cheap job, but that's because it was a lot of work! I did ask a few of my friends in the trade and they said for what work was carried out, it was a very reasonable price.
Dave is always friendly and does not try to baffle you with a load of technical nonsense which you don't really understand, like a lot of garages do!
He will be sorting my cars for the future.
Highly recommend this garage. I'm a typical female knowing very little about technical stuff. Dave came to the rescue after I'd purchased a car from Wales which went on to have a problem with the rear parking sensors and reverse light a week later. After a ridiculous quote from Mini BMW I was informed of this garage by a friend. Well, within an hour the guys had seen the car, booked it in for the next week which happened to be a day I worked…. no problem as I was dropped into work by Dave and picked up at the end of the day. All fixed for £80 which Dave was happy to take payment over the phone from the garage in Wales. Excellent customer service and the guys are extremely knowledgeable. Thank you so much for your help with my Mini xxx One very happy customer who will be back
ACM Garage and Tyres
ACM Garage and Tyres are a car garage in Newton Abbot located on the Milber Trading estate. They are a family run car garage that specialise in all aspects of car mechanics serving the Torbay and Teignbridge areas. Their services include MOTs, services, tyres, belts and more. They also offer a free collection and drop off service which is convenient for those who's cars have broken down.
Contact ACM Garage and Tyres
Address: Unit 3 milber trading estate, Newton Abbot
Phone: 01626 437667
Website: https://www.acmgarage.co.uk/
Facebook: https://www.facebook.com/pg/acmtorbay
Here's what a few of ACM's customers have had to say about them…
"Can't speak highly enough of the guys at ACM.
Done my Cambelt and Waterpump back in the summer and yesterday I got my front brakes sorted by them.
Speedy work even when they're crazy busy.
Unbelievable value for money. It's always reassuring having a decent garage you can trust!
I'll definitely be returning!"
"Brilliant service. Charlie came over to repair my brake pads and discs, had the wrong part so went to collect what he needed. Very efficient and friendly! Will be coming to you again. Thank you!"
"A1 service from start to finish…picked the car up from brixham went over it from top to bottom…gave me a break down before work was carried out…went the extra mile to keep the car on the road…..car feels like it did 4 years ago…gave the car a new lease of life…and me my love for the car back…would and will use again…great from start to finish…thanks guys…"
"Fantastic service, I messed up with my address at first, sending him to my place of work instead of my home address to start with and without hesitation Charlie came and picked the car up! Did a full service, went the extra mile with it and all at a very low price. Couldn't fault, will defo use this garage in the future as been let down with others, will be sending friends and family their way too!"


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Cole is going trick or treating with his friends Jenna and Dalton, but since they are in 6th grade they don't want to go anywhere lame. So, they decided to brave the super-scary neighborhood haunted house. The first part of the house was not that scary, but when the owner decided to invite them to the second top-secret part of the house they decided to go. When they get down there, they hear a voice telling them to turn around and run away, but by that point, it is too late. Slavers come to steal the kids, Cole manages to hide, and after sending another hiding girl to go get help he goes after the Slavers to try to save his friends. When he reaches their train where they have the kids in cages, he has come up with a plan, but one girl that he doesn't know tells the slavers that he is hiding and so he is captured. After being punished by being forced to walk along the wagon train without food or water for a day, and then shoved into a cage with a strange talking smiley face, a slave buyer comes along. He belongs to a place that is notorious for slaves dying early, and the slavers cannot wait to be rid of their most belligerent slave: Cole.
Once in the Sky Raiders, he meets Jace, Mira, and Twitch, and then realizes from their stories that the early slave deaths are not quite as frequent as they seem. The Sky Raiders use special weapons and tools to raid the sky castles that appear daily from the cloud walls. After 50 missions a person can rank up and not have to put their life in danger every time they go on a mission. Cole is not worried about his first mission, but when it begins to go south this job proves more dangerous than he could have ever predicted, and his life is flipped upside down again.
Although these characters were younger than I had expected, the story was not cheesy or dumbed down. It was written for middle schoolers (I found myself dying of laughter at some of the "romantic" parts), but the adventure parts truly threw me into a whole world nearly completely disconnected with Earth. All of the elements of a true fantasy world were there, and it was paced well enough that I never felt bored. At about 430 pages, it was by no means a quick read, but I did enjoy the ride. While the characters are young, all of them have an air of maturity about them, and they all approach the situations in the book with the sense of real adventurers. I cannot wait to read the rest of this series.
Overall Rating: 4/5


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On Nov. 13, three separate attacks in Paris shocked us. Without a doubt, the attacks in Paris were hideous. The perpetrators, planners, and supporters of these acts deserve nothing less than death. Following the attacks social media erupted with sympathy for the victims, but also vitriol and rage. Much outrage was, and continues, to be directed at the Islamic faith as a whole and specifically at the Syrian refugee population. These angry sentiments are counterproductive to an effective response. Anger is understandable, but not toward an entire religion or refugee population.
The other day, after what I felt was an innocent tweet, my iPhone alerted me to replies full of reproachful labels characterizing me as being an "Obama-lover" or "Not a Real American."


text: Whether you're Irish through and through or just celebrating for the day, we have all of the recipes you need for a great craic (good time) of a party! Slàinte (cheers!)! You're going to need a hearty breakfast, so why not whip up some Stout Waffles with Chocolate Syrup and Pistachios by @justataste. Breakfast of champions, indeed! Or, if you're looking for something a bit healthier, give one of these festive recipes a try. Green Goodness Kale, Apple, Spinach and Celery Juice by @beyondsweetandsavory Whole Wheat Irish Soda Bread by @backtoherroots Find 40+ More of Our Favorite St. Patrick's Day Recipes To Your Health! Forget about the green beer, and enjoy one of these Irish cocktails instead. Black Velvet Cocktail by @aidamollenkamp Part champagne, part Guinness. The best of both worlds. The Quarter Til by @twoforthebar Made with Irish Whiskey & Earl Grey Tea, this gives tea time new meaning! Find 40+ More of Our Favorite St. Patrick's Day Recipes Irish Classics What's your favorite; Colcannon, Champ or Boxty? Never heard of any of them? Allow us to introduce you to three classic Irish potato preparations: Traditional Irish Champ by @nevrenoughthyme Champ is mix of mashed potatoes, scallions and lots of butter. What's not to like? Colcannon With Bacon, Kale And Alpine Cheddar by @foodnessgracious Colcannon is essentially the same dish as Champ, but the scallions are replaced with kale or cabbage. Irish Boxty Potato Pancakes by @tineathome Buttermilk pancakes meet latkes! Find 40+ More of Our Favorite St. Patrick's Day Recipes Hearty Main Courses It wouldn't be St. Patrick's Day without corned beef! But what about Kale and Potato Chip Mac & Cheese or Biscuit-topped Beef Stew? Whether you are looking for something traditional or inventive, take a look at our favorite main course recipes. Irish Mac And Cheese with Potato Chips, Sharp Cheddar, Stout & Bacon by @halfbakedharvest Slow Cooker Corned Beef And Cabbage With Horseradish Sauce by @foodiecrush Irish Beef Stew Topped with Biscuits & Gruyere Cheese by @realfoodbydad Find 40+ More of Our Favorite St. Patrick's Day Recipes Cooking with Beer Crisp, Hoppy, Bitter, Dry or Sweet, no matter what kind you prefer to drink, we've got a beer-centric recipe for you! Beer has gone beyond backyard BBQs to front and center in the culinary world. Not only are people starting to think more about beer and food pairings, they're incorporating brew into food in clever new ways. St. Patrick's day is the perfect excuse to start experimenting with different beer-focused recipes. Here are two of our favorites: Belgium Beer Bread by @cider_and_black If you are new to bread baking, this is a great introductory recipe. The Belgium style ale adds fruit & honey notes to the bread. Grilled Cheese With Gruyere, Brie And Mushrooms And Onions Cooked In Stout by @floatingkitchen Try out some of your freshly baked bread in this gourmet grilled cheese! Find 20+ More of Our Favorite Cooking with Beer Recipes Dessert Finish off the festivities with something sweet! Chocolate-dipped Irish Whiskey Meringues by @poshlittledesigns Stout Cake with Coffee & Irish Whiskey Glaze by @stylesweetca Find 40+ More of Our Favorite St. Patrick's Day Recipes @thefeedfeed Instagram Takeover Time! Want more St. Patrick's Day inspiration? Head over to @huffposttaste on Thursday where we'll be sharing a few of our favorite recipes from the feedfeed community! Remember to add #feedfeed to your cooking, baking & drink making social media posts for a chance to be featured on our Instagram feed & on the site.


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4 yr old gelding very smart, learns fast and easy to work with, he's saddle broke and good trail riding in rough terrain or any terrain.$4,500
Big, classy sweetheart "Bernice" is an excellent mare. 13 yrs old Grade 15.2 HH (61 inches at the withers) She is a very nice horse that about anyone…$2,850
Ex race horse on official tracks$3,500
Big, beautiful, sweetheart. This is "Seven" he is an 8 yr old gelding AQHA registered. Hollywood Dun it and Gay Bar King on his papers. He is a definate…$5,500
I am selling my 14 y/o TB that is a Hunter Jumper. He has been used in schooling shows (3") previously and would be a great show horse for someone that…$5,000
Barthalamew aka "Bart" is an 8 yr old grade quarter horse gelding. Stands 15.2 HH Big sweet heart. Good minded and willing to please. We have pushed…$3,500
15 year old mare. Has had 2 babies that has ran at the track. Very quick, would make a great barrel horse. Very loving and caring. Desendent of the great…$750
12 year old mare ready for her next kid. She will jump around a 3ft course with her knees to her chin with a more experienced rider or pack a little kid…$4,000


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The much-loved wagon features all elements of a hatch or sedan, but promises even more space and functionality. It's the go-to car for an owner who demands flexibility, comfort, convenience and utility. Known by many as an estate, the wagon is a versatile vehicle for those who want more from their vehicle. Its cavernous cargo area provides space for family touring, work pursuits and simple convenience for those who need on-the-go storage.
Volkswagen provides all of this on top of its commitment to quality, performance, comfort and efficiency. Enjoy the full package - beautifully designed and presented in a way that is still sporty, efficient and a joy to drive.
Volkswagen has taken its strength in hatches and sedans to design the most versatile and flexible wagons on the market. Here is how they stand out from the rest.
A wagon without sufficient space fails in its duty. This is not an issue with the latest generation of Volkswagen wagons, which boast capacity, convenience and style. Both on-the-go families, and the adventurous weekend warrior, will find plenty to write home about. Each addition to the range combines technological innovation with advanced intuitive features, evolutionary new styling, and powerful engines to enhance a stylish classic.
Volkswagen takes safety seriously, and employs the very latest in active and passive safety systems in each of its wagons. These innovations include Driver Fatigue Detection1, which continually evaluates steering movements to alert a drowsy driver. Other features, such as Front Assist with City Emergency Brake1, and up to nine airbags, offer peace of mind that your Volkswagen wagon will keep you secure if something goes wrong.
Technology is placed in your hands in each of Volkswagen's wagons. Experience the optional Active Info Display that says goodbye to traditional analogue instruments behind the steering wheel - giving drivers a new level of advanced information. In addition to this, the exceptional App-Connect system that locks into both iOS and Android™ devices to make communication and entertainment as intuitive as pulling out your phone.
They may be bigger and bolder than a hatch or sedan, but Volkswagen wagons are far from sluggish. Turbocharged engines with exemplary fuel efficiency deliver the power needed to carry heavy loads in spades. Both TSI petrol and TDI diesel variants deliver super-low fuel consumption with lively acceleration to make driving a pleasure.
To drive a Volkswagen wagon is to be behind the wheel of an exemplary vehicle. Every creature comfort is included - from ergonomic seats, to a sense of style and utility laid on by a manufacturer that is known for its resilience. Each wagon boasts plenty of space and an unbeatable sense of comfort.
One of the enduring joys of owning a Volkswagen wagon is that you get to enjoy an extravagant level of luxury. Not only are Volkswagen interiors designed to be long-lasting, but they also give a level of comfort and style far beyond what is normally expected from a wagon. From keyless access to multi-zone climate control, Volkswagen wagons offer as much thoughtful convenience as they do practicality.
Combining comprehensive safety with added comfort, the three variants in the Volkswagen Golf Wagon range offer the highest level of equipment and new technological features. It is the evolution of an icon that maintains the Golf's perfect proportions, clean lines and European styling, while at the same time, delivering 605 litres of space behind the back seat.
The four trim levels of the Volkswagen Passat Wagon range - with both petrol and diesel variants - offer European premium motoring without the price tag. They offer a combination of luxury with function, innovation and comfort. The Passat Wagon goes even further to bring even more space and style in a rugged and luxurious package.
Some features may not be available across all models. Please check the specification brochure or contact your local Volkswagen Dealer.


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SAIRA Khan has revealed she was bullied by a 'household name' in the work place – but refused to name the perpetrator, leaving those watching at home very frustrated.
The Loose Women presenter opened up her ordeal as the group discussed the latest on Hollywood director Harvey Weinstein, who has been hit with claims he sexually harassed a number of colleagues for nearly three decades.
The 47-year-old revealed that a well-known female presenter made her life miserable and claimed she continues to get away with that sort of behaviour.
But despite condemning the wall of secrecy surrounding the director, Saira didn't reveal who it was – leaving those watching at home furious.
She said: "It's not just men who are responsible for bullying. I have had celebrity women bully me in the work place and it is completely unacceptable.
"There was on particular incident, I can't name the person, before she even came into the studio she told everybody not to make any eye contact with her.
"And you were thinking how is this allowed to happen?"
She continued: "This was a household name. It was my first experience ever with this presenter and she ridiculed me and patronised me and said 'your dad would have been really proud'.
"You know you're so shocked but what really annoyed me is that presenter has been allowed to that for that years and nobody bats an eyelid in this industry. It's got to change."
Following the revelation, those watching at home took to Twitter to encourage Saira to speak out in order to help others.
One person wrote: "Talking about people staying silent then the next breath Saira wont "name names" Why? Shame them. #LooseWomen."
While another commented: "@IamSairaKhan #LooseWomen don't get it. Name and shame them. You're part of the problem of that person now. Well done 👏🏿"
And someone else wrote: "#LooseWomen name and shame the bully xx"
Saira rose to fame after being a runner-up on the first UK series of The Apprentice in 2005.
She has appeared on numerous shows since the including Ready Steady Cook and Countdown.
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What are green loans?
Green loans allow companies to finance initiatives that have
environmental benefits. Some innovative green loan deals in
Asia include Wilmar and ING's $150 million
bilateral revolving loan and New World
Development's $459 million hybrid green bond/loan
facility. While green bonds have taken off in recent years,
their loan counterparts are still at a nascent stage of
development. But the financial community sees the potential for
green loans to develop as momentum builds for environmentally
sustainable projects in various industries.
Where's the demand for green loans
coming from?
There is increasing pressure on companies to report on their
environmental impact.
Paul Davies, partner at Latham & Watkins observes that
this has taken the form of government policy such as the Task
Force on Climate Related Financial Disclosures (TCFD)
recommendations and from investors, in the form of shareholder
legal action. Another example of increased attention to
companies' environmental impact are trackers on
environment, social and governance (ESG) disclosures, such as
Institutional Shareholder Services' E&S
QualityScore, which tracks the quality of
companies' ESG disclosures and includes hundreds
of factors.
Financial institutions have demonstrated their growing
commitment to becoming greener, in particular, by investing in
more green assets such as alternative energy
"The banks themselves are playing an important role in
developing the green loan market, while the Portfolio
Decarbonization Coalition is an example of a multi-stakeholder
initiative which promotes the reduction of greenhouse gas
emissions by engaging nearly 30 international, institutional
investors with over $3 trillion in assets," said Davies.
For borrowers, green loans give them the extra edge in
showcasing their involvement in sustainability.
"Green loans provide borrowers with tangible credentials
that they can share with shareholders and other stakeholders to
demonstrate a commitment to sustainability," said Andrew
Ashman, head of loan syndication at Barclays.
"It's effectively a stamp of approval."
The demand and supply for green loans can be seen from both
borrowers and lenders. "While green bonds have taken off, not
all borrowers and not all financings are appropriate for bonds
because the bond market likes large, liquid quantums that
require sufficient earnings to service," said Latham &
Aaron Franklin. "From a lender's perspective,
they are similarly looking to arrange and lend sustainable
finance. Sometimes this is because the lender itself has raised
green bond finance and is looking for borrowers to fulfill
their own obligations."
What areas of improvements are there for green
While green bonds have taken off, more work needs to be done
on green loans. The Asian Pacific Loan Market Association
(APLMA) has launched the
Green Loans Principles to provide a consistent and
standardised framework for green loans across the region and
will be key to building the green loan market.
Andrew Hutchins, partner at Clifford Chance, explains that
the green loan principles focus on use of proceeds, project
evaluation and selection, management of proceeds and
reporting. "The development of the green loan principles
should ensure more transparency and green compliance, leading
to less scope for greenwashing of loan financings and loan
documentation will continue to develop to reflect the
developments in the green loan sector," he said.
According to
Anna-Marie Slot, partner at Ashurst, the Green Loan
Principles provide a clear set of criteria on what green means
so that lenders and borrowers can assess their projects against
it. "Unless money is being lent to an entirely green entity,
there is a challenge in defining what green means and how the
proceeds are used," she said.
Green bonds operate through the public disclosure. Issuers
tell the market what they will do with the proceeds and
investors trust that an issuer will honour that promise, backed
up by anti-fraud laws applicable to securities
transactions. "By contrast, loans do not necessarily
involve public disclosure. It remains to be seen whether this
means that the market practice will be to make green promises
about use of proceeds part of the loan's
contractual documentation," said Franklin.
Two key instruments have been created in the green loan
market to increase incentives. One concept, which was pioneered
by ING, is a sustainability improvement loan. Herry Cho, the
company's head of sustainable finance for Asia Pacific,
explains that it links the interest rate of a general corporate
purpose loan to the sustainability performance of borrowers
across the environmental, social and governance aspects. If the
pre-set sustainability improvement targets are achieved, the
interest rate on the facility will be subsequently
Another concept is the green use of proceeds loan. These are
loans where proceeds are dedicated to a pre-defined eligible
green assets or projects.
"On the back of the Green Loans Principles, we are already
seeing increased interest in green loans," said Cho. Measures
that improve the risk-return profile of sustainable borrowers,
or bring down the cost of funding can also help. For example,
ING has teamed up with EIB to €300 million ($371 million
approximately) to finance green shipping under advantageous
financial terms.
How can green loans be more mainstream?
An effort from the financial industry itself will improve
the system and ultimately make green loans more mainstream.
"This can be done by increased reporting from banks and will
help streamline the system internationally," said Davies. "The
TCFD is a good example of how the industry can achieve
consistent reporting once everyone is given some guidance on
how to carry this out."
Davies adds that SMEs are well
positioned to take out green loans due to their versatility and
size. Their borrowing will represent an important driver in the
development of the green loan market. Green loans are likely to
play a significant role in helping countries meet their targets
under the Paris Agreement.
"Sectors such as renewables, including wind and solar,
across China and India are the low hanging fruit that will be
interested in green loans. In the longer term, how other
industries that are not traditionally known for being green and
how they capture green opportunities will be interesting to
watch," said Slot.
A number of factors could influence the future uptake of
green loans, including tax incentives and pricing.
"At this stage, there is no separate pool of liquidity for
green loans, but that will be the next development that will
spur growth," said Ashman. He adds that from a
regulator's perspective, incentives such as a
reduction in withholding tax could help to accelerate the
development of the green loan market.
"We are seeing loan transactions contain ratcheting margins
based on green covenant compliance, so one of the incentives
for green loans for a particular borrower can be reducing
pricing, although for borrowers new to the green loan or green
bond space, green loans may come with new additional burdens
associated with the required additional monitoring, reporting
and segregated bank accounts," said Hutchins.
See also
DEAL: world's first sovereign green
DEAL: ICBC's Belt and Road climate
The material on this site is for financial institutions, professional investors and their professional advisers. It is for information only. Please read our terms and conditions and privacy policy before using the site. All material subject to strictly enforced copyright laws. © 2019 Euromoney Institutional Investor PLC. For help please see our FAQ.
The material on this site is for financial institutions, professional investors and their professional advisers. It is for information only. Please read our terms and conditions and privacy policy before using the site. All material subject to strictly enforced copyright laws. © 2019 Euromoney Institutional Investor PLC. For help please see our FAQ.


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About Åland
The island boasts cliffs, heathlands, and huge expanses of pine forests. Roughly 9% of Åland is cultivable.
With around 29,000 inhabitants, Åland has the smallest population of the three autonomous territories in the Nordic Region. One third of the population lives in the capital Mariehamn. The official language of Åland is Swedish.
Although Åland is part of the Republic of Finland, it has its own autonomous parliament. In areas where Åland has its own legislation, it essentially operates as an independent nation.
Åland is a demilitarised and neutral zone. The Ålandic Parliament, the Lagting, is the supreme authority.
Åland is a member of the EU and its currency is the euro, but its relationship with the EU is regulated by way of a special protocol. In order to maintain the important sale of duty-free goods on ferries operating between Finland and Sweden, Åland is not part of the VAT union.
Important sources of income for Åland are shipping and ferry services, tourism, and the processing of agricultural and fishery products.
Total area: 1,581 km2
Lakes and rivers: 27 km2
Land area: 1,553 km2
Arable land and horticulture: 140 km2
Forests: 937 km2
Largest lake: Eastern and Western Kyrksundet 2.6 km2
Highest point: Orrdalsklint 129 m
Borders: 0.5 km (border with Sweden at Märket lighthouse)
Average temperature Mariehamn (1961–1990): January -0.7° C, July 15.8° C
Rainfall Mariehamn (2006): 546 mm
Population 2017: 29,214
Population, capital 2017: Mariehamn (municipality) 11,565
National day: 9 June (to celebrate autonomy day of 9 June 1922)
Form of government: Home rule – within the Republic of Finland
Parliament: Lagting (30 members)
Membership of EU: Since 1 January 1995 (not part of EU fiscal union)
Membership of NATO: No
Head of State (since March 2012): President Sauli Niinistö
Government Leader (since November 2015): Lantråd Veronica Thörnroos
Currency: Euro
Official website: www.aland.ax
Official language: Swedish


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HÀ NỘI — Vietnamese Prime Minister Nguyễn Xuân Phúc hosted a reception for Timor-Leste's Minister of Foreign Affairs and Co-operation Dionisio Babo Soares on the sidelines of the World Economic Forum on ASEAN (WEF ASEAN) 2018 in Hà Nội on Wednesday.
Phúc congratulated Timor-Leste on the establishment of a new government headed by Prime Minister Taur Matan Ruak, believing that under the leadership of the new government, Timor-Leste would maintain stability and its strong development.
Hailing positive strides in Việt Nam-Timor-Leste relations, the PM suggested the two nations promote bilateral co-operation by increasing the exchange of delegations and setting up periodic exchange mechanisms, firstly a joint committee as agreed in the Frame Agreement on Technical and Economic Co-operation.
He said ministries and agencies of the two countries needed to work harder to regain the growth momentum in trade and investment, and expand co-operation in areas such as agriculture, fishing and oil and gas.
Soares thanked the Vietnamese Government for its support and assistance to Timor-Leste over the years and its reception of 20 military students for English and Vietnamese language training.
The minister promised to soon complete procedures for the implementation of the already signed bilateral trade agreement and launch negotiations for the signing of a bilateral investment agreement.
Timor-Leste would create more favourable conditions for Vietnamese businesses, including Viettel Military Industry and Telecoms Group, to operate in the country, he affirmed.
Phúc lauded co-operation between the two nations at regional and international forums such as the UN, and thanked Timor-Leste for its commitment to backing Việt Nam's candidacy for a non-permanent seat in the UN Security Council in the 2020-21 term. — VNS


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Asking each other these questions is one of the most important things you can do for each other and your marriage. Asking each other these questions is one of the most important things you can do for each other and your marriage. SHARE PIN EMAIL. button button The Spruce. Questions Engaged Couples Should Discuss Before Marriage . Pin
5/22/2019 · Questions about Relationships Can you give me some Christian relationship advice? Is it right for a Christian to date or marry a non-Christian? What does the Bible say about sex before marriage / premarital sex? What is an appropriate level of intimacy before marriage? How far is too far? What does the Bible say about interracial marriage?
Romanian Dating Agencies - If you are looking for interesting relationships, we recommend you to become member of this dating site, because members of …
A few things to remember about these questions to ask while dating: Don't ask questions via text that you expect to get lengthy responses to. Some questions are fine for quick text conversations (such as those featured in "Scratching the Surface"), but more in-depth questions should be saved for face-to-face conversations or telephone if you're in a long-distance relationship.
Catholic Dating That's Focused on the Person. Swipe left…swipe right. That's how most dating sites view online dating. At Catholic Singles, we foster deeper relationships because we focus on your interests and activities, not just your picture.
Before Marc and I started counseling, he wrote up with a list of 34 Christian premarital questions. The questions we were finding in most premarital counseling books, seminars, and such weren't what he was looking for. Here are 34 questions to ask both partners before getting married.
6/17/2016 · catholic dating questions. Welcome to our reviews of the catholic dating questions (also known as website for married people).Check out our top 10 list below and follow our links to read our full in-depth review of each online dating site, alongside which you'll find costs and features lists, user reviews and videos to help you make the right choice.
6/13/2017 · Questions to Ask Yourself. Now, while it's good to ask your partner a bunch of important questions before you get married, it's also not a bad idea to ask yourself some deep questions as well, to ensure you're actually ready for the big jump!
Here's where these top 75 best questions to ask a girl can help. Think of them as a shortcut towards getting to getting to know a girl better. Plus, they'll make your dates far less boring and bring you closer. Now, these aren't your ordinary questions, these are thought provoking, personal questions.
10/19/2018 · Just use your imagination and have fun with it. (And know that anyone who's on a dating site probably has the same worries as you!) Because I solemnly swear by the question game, I'm not going to leave you hanging. I'll get you started by giving you a variety …
Questions to Ask Christian Boyfriend. Welcome to our reviews of the Questions to Ask Christian Boyfriend (also known as Jewish Men Want Shiksa).Check out our top 10 list below and follow our links to read our full in-depth review of each online dating site, alongside which you'll find costs and features lists, user reviews and videos to help you make the right choice.
Ask the Tough Questions About Your Relationship; Questions to Ask Yourself. Am I ready for a relationship? Are there issues I need to address in my own life first? Have we shared enough varied experiences to know what each other is like? Have you seen him when he's hungry or tired? Have you seen her around ministry opportunities?
It signifies the commitment and love you have for someone you want to spend the rest of your life with. But love isn't always enough. There are questions to ask before marriage that go beyond love like children, dealing with conflicts, beliefs, finances and extended family. Explore 100 questions to …
Four Questions to Ask Yourself About Your Relationship. Posted February 3, 2015 by Here are some questions that I think are helpful to ask yourself when you are trying to figure out if you are compatible. 4 questions to ask yourself about your relationship catholic dating dating expectations family friendship love marriage online
12/4/2014 · 30 Important Questions to Ask Before we Commit to a Relationship. Edie Weinstein 0 Followers . Facebook Twitter. 703.5k. 12. 28.1k Share on Facebook Share on Twitter Link: 46. This morning, I read an article that highlighted the reasons people find themselves; or perhaps lose themselves in relationships that are not a good fit.
The Situation: The point of dating is to find a spouse, right? It's all supposed to be preparation for marriage. So why would I go on a date with just anyone? Shouldn't I only date people who I could see myself marrying? He Says: It doesn't take a cover letter and résumé to ask a girl out. Asking a girl out and going on a date should be
Here is our list of first date questions. Perfect for finding things that you have in common with your date. Remember the purpose of these questions is to ease you into a natural conversation, not just pepper them with questions.
It's easy to get stuck in a rut in a long-term relationship, and even date nights can get stale. Never run out of things to talk about on date night again with these questions to ask your partner.
12/5/2012 · This should be retitled '100 questions couples should ask before getting married to a complete stranger in Vegas.' Seriously, if you have to ask your partner half of these questions then you really shouldn't be getting married in the first place because you obviously don't even know each other that well.
If you are a non-Mormon who is dating a Mormon guy or girl, then this LoveBondings article will provide you with some useful tips and ideas to keep in mind. Keep these in mind and you can successfully capture his/her heart.
5/24/2017 · 18 Questions to Ask Before Getting Married (not to mention provide endless entertainment with stories of dating that are good, bad, or ugly). But once married, lots of people's expectations
At any questions to ask while dating a girl stage of life, dreams should be nurtured, cultivated, and acted on. Kind of a random question but it might give you some insight into the people she chooses to surround herself with or the people she looks up to. Sure, the girl you are talking to might not be too into this question if they dont like


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The Three Ways to Get Funding from the Crowd
Contrary to popular belief, there is not a crowd of people out there in the world just waiting to hear about your awesome idea and give »
Contrary to popular belief, there is not a crowd of people out there in the world just waiting to hear about your awesome idea and give »
Crowdcast Webinar - Impossible Products: Crowdfunding for Hardware Startups. Last week, Crowd Supply's CEO Josh Lifton gave our first public webinar on how crowdfunding and »
Greg Fisher is the founder of Hardware Massive and CEO of Berkeley Sourcing Group. A serial entrepreneur with over 10 years experience, he has helped more »
After spending months developing a new product, launching a crowdfunding campaign, and seeing the pledges come in, creators are understandably anxious to get started actually manufacturing »
The way new products are designed, manufactured, paid for, and delivered is rapidly changing, driven by the same forces at play in the slow food, sharing »
Doing a startup is like cooking - you can adapt along the way. Crowdfunding is like baking - you get one shot in the oven, and »
(NOTE: our thinking on campaign videos has evolved over the years. To see our current approach, visit the Guide page on Video Production.) Here's a basic, »
Setting your campaign's funding goal is one of the biggest decisions you will make before your campaign launches. Getting it right can make all the »
The Portland Press raised over $50,000 during their 30-day campaign on Crowd Supply. They did this by designing a great product and getting the word »
We're always speaking with creators looking to start a company based on their product idea, and the question of incorporation often comes up. Luckily, we' »