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Mistakes to Avoid in Drafting A Plan
Cash Flow
Profit and Loss (P&L)
Balance Sheet
A simple cover sheet for the proposal that identifies:
- Name and address of the business
- Name, address and telephone number of the owners
- Date of the proposal or loan request
- Identification of the owner, or who prepared the plan
The Summary serves to give a loan officer, investor, or employee a thumbnail sketch of the business and the purpose for writing the business plan.
Tell them what you want:
ABC Hardware seeks a $100,000 seasonal line of credit to augment cash flows during cyclical constructuon periods. Line to be secured by inventory, accounts receivable and certificate of deposit.
XYZ Technologies seeks a $200,000 installment loan to purchase two programmable milling machines to service a long term production contract for the Department of Defense. Loan to be secured by equipment and contract proceeds.
The introduction tells the reader the purpose for this document. It helps put them in the proper frame of reference to read the rest of your plan. If you are requesting a loan, state how much you will invest, how much you need to borrow, and what you will use the money for.
Business description:
Company or entrepreneur name, address, and phone number. Contact person, position, phone number if defferent from the company's. A few lines on the nature of the business operations, market served, whethera start-up, expanding business, or existing of current operations.
Market Analysis:
One or two paragraph description of the market to include size, capacity, trends.
Management Description:
One or two sentences about the management team. Concentrate on the team's industry experience.
Key Reasons for Success:
Explain to the reader why this business will be successful. Reasons may include an under served market, a new product line, a unique delivery system, etc.
Description of the Business
Company or entrepreneur name, address, and phone number. Contact person, position, phone number if different from the company's. Explain how the name was developed and any information relevant to the name of the business; this begins to personalize your company to the reader. A few lines on the nature of the business operations, market served, and whether a start-up or expansion of current operation.
A. Information on the Business
Type of business and Product or Service- Explain clearly what type of business you are in. Explain what your product or service. When the reader is finished with this section, a clear understanding of your basic business should be evident. This portion of your plan should also include the company's three or four mission statements. The mission statements should define who the company is and state what the company wants to do within the next three years and should be quantitative.
B. History
If this is a start-up business, it will not have a history. Instead, use this section to review your own accomplishments, experience, training, and education. Remember, this is being written by you so that the lender will have a better understanding of how you will accomplish the successful operation of your business. If the business has a history, tell it. Explain when and why the company was started. Provide sales and profit history. Show how the company faced problems and what wads done to solve them.
C. Operational Hours
Explain when the business will be open and why. Include opening and closing times for both the weekdays and the weekend. If you are a service or manufacturing company with multiple shifts, explain why the additional shifts are planned.
D. Inventory, Supplies, Suppliers, and Equipment
This section of the business plan explains how you will hold in inventory, whay type of supplies you will keep on hand, what suppliers you will use and what type of equipment you will need to operate the business. If your company will hold inventory, you should explain: (1) what your starting inventory will be and its cost, and (2) the average inventory turn for your industry. A review of your inventory will also be helpful. You should provide information on your vendors and how you selected them as well as any terms you have with them. Explain any supplies you will need to operate. Include how often you will use them up and what dollar amount of supplies you will need to operate. Any equipment which your company will need to operate should be fully explained in this section; how the equipment will be used, how it will benefit the company, how much it will cost and who it will be purchased from. Any literature which will help explain complicated equipment or processes can be added to the business plan as a supplement.
E. Future Plans
No company can survive without change and growth. You should have two plans at all times. First, a short term plan to accomplish the company's mission statements. Explain fully how the company will accomplish the mission statements and how this accomplishment will be measured. Second, the company would have a long term plan for growth and survival for five to ten years in the future. Explain what the company plans to do. The more comprehensive a picture you can paint of your company's future, the more confidence your lender will have in the venture.
The Market Analysis is one of the most critical aspects of the business plan. It identifies and defines the environment in which the business will operate. It names competitors who may impact the operations of the business; identifies pricing or technical innovation strategies where appropriate. It should review business cycles and practices that may be unique to the industry. It also identifies key features of the product or service offered. that is, those features product buyers consider important.
If relying on industry experience, you may have decided upon a product or service that the business can furnish to a specific group of buyers you have already identified. If new to an industry, you will have to do some extensive work in both product and buyer identification.
- Which specific products or services do you intend to furnish?
- Which specific buyers do you intend to sell your products or services to?
- What is the buying cycle? Periodic? Seasonal?
- What are the pricing practices?
- What are the characteristics of the market? Growing, steady, declining? Aging? Relocating?
- What are the external influences on the market? Regulatory? Fad or Fashion conscious? Hurt or helped by government or industry changes?
- What is the entrepreneur's DIFFERENTIAL ADVANTAGE? Why should the market purchase from instead of the competition?
- What are you communication plans to reach your target market?
- What will be your primary message?
This is just a brief list of marketing information the entrepreneur must consider. Depending on the product and market selected, the entrepreneur can look forward to spending much time and energy to evelop answers to the above questions. The market analysis is the most important part of a business plan because it establishes the base upon which the business will be constructed. All other parts of the business plan should support the entrepreneur's plan to service and communicate to the target market.
A. Product/Service Mix and Competition:
Products or Service - Describe as completely as possible what product lines you will produce and sell. If providing a service, tell what it is and how it will be accomplished.
B. Comparison to Competitor's Products
Make a complete comparison to your competitor's products. Point out how the product is different and what it is about your product that is going to make customers want to purchase it. If you are in retail or wholesale, compare your store and services to the competition. Again, what are you going to do to capture market share. "Me Too" business do not, as a rule, do well.
A. Promotion Strategy
This is an area where many new business firms suffer. They do not have a promotions strategy. This can be caused by several things, the most common, a belief that "word of mouth" is all the promotion the business will need and a lack of understanding concerning the importance of advertising. Your promotion strategy should be based on your market analysis. If in retail, determine when peak shopping periods are during the year. In manufacturing, determine when demand occurs for your product. Develop an advertising budget and allocate the advertising dollars so that they will provide the most effective delivery of your message. Determine what mediums you are going to use, how much money will be spent with each and how often your business will be advertised. Support this decision using information that you provide concerning your target market. Don't guess-find out from advertising salespeople what your advertising is going to cost. Show in your business plan how you arrived at your prommotional budget.
B. Pricing Policy
Demonstrate your pricing policy. If in retail or wholesale, indicate what your markup will be and why. If in manufacturing or service, develop a cost analysis of your product and indicate how you arrived at the costing as well as the markup.
C. Sales Strategy
Demonstrate in your business plan that you know it takes more than a good oproduct to make a sale. Discuss how you plan to make sales. If sales will be made, indicate what type of presentation will be used. If sales are dependent upon in-store sales personnel, discuss how they will be trained.
- Directors and Officers - List names and positions of all directors, officers, and key employees in your firm.
- Owner/Investors - Describe your financing to date as it relates to the people involved: Indicate the name, amount of investment, and percent of ownership of each investor.
- Professional Help - List names of all lawyers, accountants and insurance agents who will support your business.
A. Organization Chart and Responsibilities - Provide a chart showing the organizational structure of the business. Indicate who the key individuals are and what areas they will be responsible for.
B. Resumes of Key Personnel - attach resumes of yourself and key employees. This will assist you in showing your lender that you and uour staff have the experience and training to operate the business profitably.
C. Staffing Plan - Indicate the number of employees you will have and the positions they will hold. Provide information on pay rates and benefits. It can be very helpful to develop a payroll budget at this point. Indicate any expected additions during the first three years of operation.
Careful preparation of the financial reports will provide the lender(s) with a clear perspective of the financial feasibility of the venture.
Financial History
A. Existing Statements - For an existing business, you should present the last three years CPA prepared financial statements and the most recent interim statement. If you do not use a CPA, copies of the federal tax returns should be included. Personal financial statements current within 90 days on all owners should be presented along with the company statements.
B. Financial Projections - The financial projections you provide with your business plan and loan proposal should be complete, but more importantly, realistic. Do not maie the mistake of attempting to make the projections rosy. Doing this will not positively influence the lender and will not help you. Base your projections on actual expenses and what you really think you can do in sales. No pie in the sky numbers! You should include the following projections with your plan.
1. Source and use of loan and equity funds statement.
2. Projected balance sheet for opening day (if start-up).
3. 3-year income statement projections
4. 3 year cash flow projections.
5. Information on the assumptions supporting your projections.
Your income statement and cash flow projections should be done on a monthly basis for the first year. A summary sheet for each should also be included. The summary sheet will show the total sales, expenses and net profit for each of the years projected. The projected balance sheet for a new business should be complete and in the proper format. The source and use of loan and equity funds statement should be based o nactual costs and be supported by documentation if needed. Again, do not guess- find out what it is going to cost you to go into business. Plan how you are going to use your money! You will find a sample cash flow, profit and loss and balance sheet in the Resources section on this web-site. Using them will assist you in presenting your idea in the proper format.
C. Source and Application of Funds; Collateral
Summary chart of the sources of all funds required for the start-up or expansion planned. Identify source, amount of funds from each source, terms or conditions, and status of commitment.
Collateral (hard assets that the bank can sell in the case of business failure to recover their investment) must be provided by the business, or the business and the owners. Even for a corporation, owners must provide personal financial statements (assets and liabilities) to the bank and may have to personally guarantee the loan.
D. Capital Equipment List
A listing of the specific equipment to be purchased, including the model or other description, cost per unit, source or supplier, whether new or used, anticipated useful life if not common knowledge, and other information to justify expense and need for funds.
A. Cash Flow
B. Profit and Loss (P&L)
C. Balance Sheet
III. Other Supporting Documents
For existing business additional financial history (past three years) will be needed:
- Income (P&L) Statements
- Balance Sheets - latest no more than 45 days old
The following list suggests some of the other documents that might be included in a loan request or investor proposal:
- Resumes of key personnel
- Credit information for existing businesses
- Quotes or estimates for equipment or construction
- Letters of intent / contracts from potential customers
- Lease or purchase agreements
- Maps showing location and market information
- Photographs of products, equipment or buildings
- Charts and graphs to support marketing data
- Articles / reports to support industry trends data
- Other legal agreements (patents, license to manufacture, employment contracts, etc.)
IV. Mistakes to Avoid in Drafting Plan
Here are errors in business plan preparation that almost certainly will result in denial of a loan application by a bank:
- Submitting a "rough copy", perhaps with coffee stains and crossed-out words in the text. This tells the banker that the owner doesn't take his idea seriously.
- Outdated historical financial information or industry comparisons will leave doubts about the entrepreneur's planning abilities.
- Unsubstantiated assumptions can hurt a business plan; the business owner must be prepared to explain the "why" of every point in the plan.
- Too much "blue sky" - a failure to consider prospective pitfalls - will lead the banker to conclude that the idea is not realistic.
- A lack of understanding of the financial information is a drawback. Even if an outside source is used to prepare the projections, the owner must fully comprehend the information.
- Absence of any consideration of outside influences is a gap in a business plan. The owner needs to discuss the potential impact of competitive factors as well as the economic environment prevalent at the time of the request.
- No indication that the owner has anything at stake in the venture is a particular problem. The lender may expect the entrepreneur to have up to 30 percent equity capital invested in the business.
- Unwillingness to personally guarantee any loans raises a question: If the business owner isn't willing to stand behind his or her company, then why should the bank?
- Introducing the plan with a demand for unrealistic loan terms is a mistake. The lender wants to find out about the viability of the business before discussing loan terms.
- Too much focus on collateral is a problem in a business plan. Even for a cash-secured loan, the banker is looking toward projected profits for repayment of the loan. The emphasis should be on cash flow.


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Demi Lovato Injures Her Leg
Demi Lovato is on crutches after taking a bad fall and injuring her leg!
The 20-year-old musician shared the sad news on Twitter, but is still in good spirits.
"Needless to say, today was eventful. Hahahaha," she wrote, along with a photo of her crutches.
PHOTOS: Check out the latest pics of Demi Lovato
It seems Demi may have slipped while inside her home.
"Never, ever, ever, EVER let your roommate clean your hardwood floors with Pledge…." she later tweeted.
We hope you feel better, Demi!
Posted to: Demi Lovato

subset: commoncrawl


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Playing the DC5 lottery can be very exciting especially if from time to time you are a winner. Winning can be accomplished quit often if the correct system is used. There are many so called experts in the market offering winning number secrets and scratch off ticket recommendations that promise to help you win. Most are not legit. However, there are a few systems on the market that has produced some promising results.
When you consider that that there are many different lottery systems available and lots of past winners you remain anonymous or don't talk about their winning strategies how many more winners might there be who have used such systems?
Think about it: is it possible that a huge percentage of lottery winners are actually using mathematical or statistical formulas to help them win? If that is the case then anyone who is not using a system is merely feeding the prize fund and has an almost zero chance of winning.
Would You Like to Win The DC5 lottery?
Are you constantly thinking and saying, "I want to win the lottery?" Do you ask yourself, "Will I win the lottery?" If you think about winning the lottery all the time, you need to know this secret to winning the secret to winning the lottery.If you think winning the big bucks is just about picking the right lottery numbers, you're wrong. Yes, you do need to pick the right numbers, and it's best to have a system to win the lottery. Doing things like reading a lottery book can be useful too. But none of this will work for you if you don't do this one essential thing:The universe rewards those who are prepared. Did you know that?When you act as if you expect something, it's going to come to you. Did you know that?4. Make a list of people to whom you plan to give money and decide on how much you'll give. Take into account gift taxes when you do this. Be careful about who you tell, "I'll give you money when I win." You don't want to give away all your winnings.Combine this lottery win preparation method with a lottery winning system, and you will be able to answer "Yes," to "Will I win the lottery?" You'll be able to turn "I want to win the lottery," to "I WON the lottery."
Lottery, More Than Just Gambling
Hospital lotteries are becoming increasingly popular in Canada. That's because, not only do you get a chance to win many terrific prizes, but you also get to donate money to a worthy enterprise - The hospital. And, the money goes to worthy hospital causes, like cancer research. But, of course, the lottery has to sell tickets and many of them do it by claiming to have the best chance to win a million dollars. That means, according to them, that if you are looking for the best odds to win a million dollars, you should buy a hospital lottery ticket rather than a regular lottery ticket.
So there you have it, playing a hospital lottery is not your best chance at winning a million dollars. However, the money that you spend on tickets goes to a good cause and so it is still worth it to play.
Winning the DC5 lottery is very rewarding. Give this system a spin and watch your winnings grow.


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Most of Netcool product installer now come with Prerequisite Scanner, which analyzes system environments before the installation or upgrade of a Tivoli product or IBM solution... it is a great tool however it may reports empty result as below:
It is recommended to review the Prerequisite checking results before proceeding... With empty output there is no way you can find if the check is successful.
The most common reason is because 'ksh' is not installed... Prerequisite checking tool use ksh as the default script and by default ksh is not installed on most OS except AIX.
To fix this please install ksh before starting the installation process... Ideally ksh should be listed as required package in product installation guide.


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ANTIOCH — The Contra Costa County Sheriff's Office is asking for the public's help in locating a car believed to be involved in a homicide at the Paradise Skate Roller Rink at the county fairgrounds on Sept. 8.
On Sept. 8, 31-year-old Oakland resident Amber Abangan was shot to death at the fairgrounds, located at 1201 W. 10th Street in Antioch. Two other shooting victims were taken to John Muir Medical Center in Walnut Creek with non-life threatening injuries. Police have not released their identities.
The vehicle is described as a gold-colored, two-door 1998 Toyota Solara, with a spoiler and a California license plate number 5JLM717, according to the sheriff's office. The vehicle, and possibly its occupants, may have ties to the Modesto or Manteca area, San Joaquin County or the city of Oakland, officials added, though they have not named any suspects.
Anyone with any information on the case or the vehicle can call the Office of the Sheriff Investigation Division at 925-313-2648. Tips can also be emailed to email@example.com. An anonymous voice message can be left at 866-846-3592.
Contact Katie Nelson at email@example.com and follow her at Twitter.com/katienelson210.


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Bind Your Dissertation London
Dissertation / Thesis
Dissertation Bindings come in many styles and style variations depending on the University or College, and sometimes the level of your degree i.e. PhD, BA (Hons), MSc etc...
Many of the Universities or Colleges have strict regulations for the Higher Degrees, but lower Degrees differ according to Course, Department etc...
We can bind to any university regulation!
Your university or college will usually provide you with a binding specification but generally the binding style will fall into one of two categories- hard binding or soft binding, this is not always clear so please have a look at the bindings we offer to best suit your university requirements.
Hard Binding
Hard binding is a good quality rigid binding usually required for the final submission of your thesis.
Pages are securely bound in for durability and have a rigid cover. They are covered in a library buckram book cloth which comes in a range of colours to suite any university specification.
Our hard bindings are also lettered on the spine and/or the front cover in gold or silver foil.
For non thesis hard binding please see the bespoke binding section.
Soft Binding
Soft binding is glue binding generally required for the first submission of your thesis.
Soft bindings are cut flush all round and have enough rigidity to stand on a book shelf.
Pages are secured with thermal glue for flexibility and strength and then covered in a library buckram book cloth which comes in a range of colours to suit any university requirement.
Our soft binding includes gold or silver lettering to the spine.
Wiro Binding
Wire binding comes with a clear plastic front cover and a card back cover as standard; this binding is also available on-demand while you wait.
Wiro binding is one of the most popular commercial book binding methods used, and is known by a number of different names including , wire and spiral binding.
Documents that are bound with wire binding will open completely flat on a desk, and allow for 360 degree rotation of bound pages.
We can do many things using the wire binding system, please see Bespoke Binding for more info
Velo Binding
Velo binding comes with a clear plastic front cover and a card back cover as standard, this binding is also available on-demand while you wait.
Velo binding is a very tidy and secure binding which ensures pages cannot be easily removed. It uses a 12 pin system that fits through punched holes and is clamped together and secured in place. We can bind up to 3 inches (approx 500 – 600 sheets) in a single book. Some universities have started to use this binding system, Kings College midwifery and nursing courses are among those that do.
Thermal Binding
Thermal binding comes with a clear plastic front cover and a card back cover as standard, this binding is also available on-demand while you wait.
Thermal Binding is a very neat and tidy looking bind; it uses a thermal/hot glue to fix the pages in place, and is also known by a number of different names such as Glue Binding, Fastback, thermo and perfect binding.
Perfect Binding
Perfect binding is a similar binding style to the Paperback. Perfect binding uses thermal glue to bind single sheets or sewn-section pages together with a card cover wrapping, the cover can be either plain or printed to finish the Perfect bookbinding style.
Please see bespoke binding for more info and binding styles
Вы что, морочите нам голову? - взорвался Джабба. Беккер покачал головой: - Отнюдь. Тут написано - Quis custodiet ipsos custodes. Это можно примерно перевести как… - Кто будет охранять охранников! - закончила за него Сьюзан.


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Pizza Hut Part-Time Delivery Driver job in Ocean Springs, MS
Urgently Hiring
- Company
- Pizza Hut
- Job Title
- Part-Time Delivery Driver
- Job Type
- Full-time, Part-time
- Pay Type
- Hourly
- Wages
- Competitive
- Est. Wages
- $8.46 to $15.87 per hour (Snag Est. )
- Location
- 2630 Bienville Blvd
Ocean Springs, MS 39564
- Last Active
- 3 days
Apply Now
See all Pizza Hut jobs
Part-Time Delivery Driver
To Start your interview Process Immediately:
Buckle up, hit the open road and start making hungry people happy as a delivery driver for Pizza Hut®.
Job skills/requirements:
- A clean driving record: If you're on a first name basis with the people at traffic court, this probably isn't the right job for you. Safety is our priority. You'll also need a valid driver's license, insurance and reliable vehicle.
- Friendly demeanor: Smile, tell a joke – treat our customers like you would your family and friends. Think of it this way - a smile and a kind word can mean the difference between a wallet full of tips and just some extra change for your cup holder.
- Keen sense of direction: You should know how to read a map and find your way around your delivery area. Think of all of the short cuts you'll learn!
- Age restrictions: Our delivery drivers need to be at least 18 years old.
- Dress the part: We'll provide you with a uniform. We just ask that you keep it clean and come to work wearing it.
- Just a few more things: You'll need some basic math skills, the desire to work as part of a team and enthusiasm for learning.
If you want a flexible job with an innovative company – and great tips - then Pizza Hut is the place for you. Apply today!
Additional Info
- Minimum Age
- 18+ years old
Job Industries
Posted: 2018-10-18
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Fight global poverty, invest in agriculture. ~ Growers First
As the winter winds bite at our collars, a hot cup of coffee is a perfect antidote for healing. But what you might not consider when you sip a mug of dark roast is the economic injustices that many coffee growers around the world face.
Coffee is one of the largest cash crops in the world – the U.S.D.A. Foreign Agricultural Service reports that last year 15,689,340,000 pounds of coffee were distributed world-wide. Yet, indigenous coffee growers see only a tiny fraction of the revenue.
These are some of the reasons why fair exchange programs such as Growers First got into the coffee business — to tip the scales of economic and social inequity that has become a way of life for many coffee farmers globally in a more just direction.
Even more importantly, Growers First exists to transform lives. The non-profit based in Laguna Beach, Calif., has a powerful story of action, conflict, struggle — and ultimately hope.
"There is a significant and obvious disconnect between the value farmers give to the coffee versus what others are making off the beans," said David Vanderveen, who has served on the board with Growers First for eight years. "The guy who makes the lid for the cup of coffee is making more on that cup than the farmer who grows it. It's not right."
Twenty years ago, Grower's First founder Dave Day, the son of missionaries to Africa, traveled to a small coffee farm in Mexico where he saw first-hand the struggles farmers face. From those first encounters, the beans, if you will, for Growers First were sewn.
"There were men leaving their villages in search for a better life," said Growers First co-founder, Glenn Parrish, who describes himself as a "venture philanthropist."
"Some were cutting down their coffee plants to plant crops with more cash value," Parrish said. "It was a struggle for them to survive."
Parrish and Day (he was involved in the coffee industry already), wanted to do something to support the coffee-growing community, but didn't want to become the "privileged white guys" who came to bring order and make money. Instead, they focused their efforts on helping one community transform itself, by listening and working alongside the local farmers to become a self-sustaining, abundant community.
Growers First began a relationship with farmers in Oaxaca, Mexico. Day even left his day job and began working to unite small farmers to increase their product value, partner with co-ops, introduce the local farmers to the global market, and implement a process of organic certification that would yield higher revenue and enable them to chart land productivity.
Growers First strives to be more than just fair trade or ethically conscious coffee company. "Fair Trade alerts people to the disconnect between farmers and their compensation, but the problem is that most aren't doing it," Vanderveen said. "When we met with farmers, they had no idea. Growers First is about seeing things through to the last mile, incorporating farmers as the integral part of the process."
All of these efforts have led Vanderveen, Parrish, Day, and others in Growers First family to craft a measurable story of transformation — not simply as a cute story, but something that produces real results, fostering the well-being of farmers and their families.
The labels on Growers First coffee feature photographs of the farmers who have grown the beans inside, accompanied by a scannable QR code that allows the consumer to see directly which farming community they're assisting with each cup of java they brew. The idea is to connect the product with a face, and the face with a community.
One transformation story dear to Vanderveen involves a Honduran farmer named Rito Sierra, a father of five children who were often sick and had no access to clean drinking water. When the folks from Growers First initially met Rito, his family made only about $95 a year.
Slowly, in partnership with Growers First, things began to change for Rito and his family. After 3 ½ years of guidance and investment in Rito's farm and community, his family was able to afford better foods and health care, a well with clean water, a larger house, and an exponentially higher income — $1,500 for his yearly coffee crop.
Today, Rito is a village leader and his children have excelled in their studies. His son, Selvin, began 9th grade — one of only two kids from their village to make it that far in school. On a visit to Honduras last month, Rito showed Vanderveen how he was leading efforts to transform a neighbor's floor from dirt to concrete, taking each of the steps necessary to fund, begin and complete the work.
Rito and his family are what the mission of Growers First is all about: Investing in communities in ways that lead to self-empowerment and sustainability.
"It's showing that a generous and abundant life is possible," said Vanderveen, who, when he's not busy surfing, is the successful entrepreneur behind the energy drink company, XS.
Over the years, Growers First has expanded its reach from a small farm in Mexico to similar communities in Indonesia, Rwanda, and Honduras. Salaries have risen 300 - 500 percent among farmers, new jobs have become available, and social and economic quality of life has improved. Growers First now has 657 farms bringing coffee to the market, and a goal of reaching 2,000 farms by the end of 2012.
A year and a half ago Vanderveen brought Growers First to Wheaton College in Illinois, where he had been a student nearly 20 years before. The organization's story resonated deeply with students and professors.
"Students made the connection," Vanderveen said. "This is some of the finest coffee in the world, and when it's a choice between a product and a product of values, why not choose the ethical option?"
As Growers First demonstrated how to make wise choices in consumption, Wheaton students got behind it in a big way. Some even traveled to Central America to visit with farmers and see the Growers First work on the ground for themselves.
Several Wheaton students made a documentary film about their experience with the farmers in Honduras called Follow the Bean. Watch the film below:
Growers First now partners with seven colleges and universities, including George Washington in Washington, D.C., the University of Southern California and Stanford. The organization has an eye toward expanding beyond coffee into other fair-trade markets, but its commitment remains to the farmers — real people with real struggles, joys and aspirations.
As we reach for our lattes, café americanos and cappuccinos this week, may we give thanks for the hands (and hearts) that toiled in the fields, harvested the beans and brought them to market.
May we rally around those communities and organizations that value the health and well-being of its employees, and work to bring transformation and economic justice to all people.
And may we remember that a cup of coffee can be much more than just a cup of coffee.
Joshua Witchger is an editorial web assistant for Sojourners. Follow Joshua on his blog, Hail Fellow, Well Met.
Have Something to Say?
"Transforming Lives, One Cup of Coffee at a Time"


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It would have been easy for Joe Flacco to walk off the field after Sunday's terrific performance and turn up his nose at all the people who have called him out and questioned his standing among the NFL's top quarterbacks.
It would have been easy, but it would not have been Joe.
During his pregame interview session, he acknowledged that he and the Ravens have not played up to their own or anyone else's expectations during the three-game losing streak that ended in such dominating fashion against the New York Giants at M&T Bank Stadium. He also reminded everyone -- without a hint of arrogance -- that he's a pretty darn good quarterback and has been for the past five seasons.
And he is correct, though he certainly struggled to protect the ball over the previous three games and had little success executing the offense last week against the Broncos. But when he has been backed into a corner by either the critics or opposing defenses during the course of his career, he has come back strong.
The past couple of weeks, in particular, there has been quite a debate about whether he can reach the next level or -- more pointedly -- whether he is "a Super Bowl quarterback." It's fair to wonder whether he will ever be on a level with Peyton Manning and Tom Brady, but the whole Super Bowl thing is a crock.
Last January, he drove the Ravens down the field in the AFC Championship and placed a clutch pass in the hands of Lee Evans that would have made him a "Super Bowl quarterback." Evans dropped it and Billy Cundiff missed a chip-shot field goal and, what do you know, everybody forgets that Flacco outplayed Brady when it really counted.
Here's the bottom line: You can't be a great quarterback without a great system and supporting cast, and you can't have a great system without a great quarterback. It all has to work together the way it did on Sunday.
Only time will tell whether Flacco is a truly great quarterback, but he's a very good one and the Ravens are lucky to have him.


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Lakeville at Xintiandi was built in 2003, a compound that consists of 283 units, including apartment buildings (8 to 23-storey), a condo villa and a duplex villa. It is an amazing executive residence featured by its close distance to Xintiandi, which offers a comprehensive range of recreational facilities to meet all of your leisure needs. Courtyard area is wide and with green bushes and flowers. Service and security is excellent.
Lakeville is located in Luwan District on Ji'nan roa... more


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Difference between revisions of "Dell Mini 10v"
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== Extras ==
== Extras ==
=== Webcam ===
=== Webcam ===
The inbuilt webcam works out of the box, with the latest kernel. You may use the {{Package Official|cheese}} package to test the webcam, however this package depends on {{Package Official|gnome-desktop}}. Also check that the normal user is a member of the ''video'' group:
The inbuilt webcam works out of the box, with the latest kernel. You may use the {{Package Official|cheese}} package to test the webcam, however this package depends on {{Package Official|gnome-desktop}}. Also check that the normal user is a member of the ''video'' group:
Revision as of 10:56, 3 July 2010
Template:Article summary start Template:Article summary text Template:Article summary heading Template:Article summary wiki Template:Article summary wiki Template:Article summary wiki Template:Article summary end
Before you begin
This article is intended to assist users with the specifics of installing Arch Linux on the Dell Mini 10v. It is assumed that a user is also following an installation guide such as the Beginners' Guide.
Dell Mini 10v hardware may vary, however the following list of hardware has been assumed in this article:
- Audio
- Intel Corporation 82801G card
- Realtek ALC272 Chip (from alsamixer)
- Video
- Intel Corporation Mobile 945GME
- Wired NIC
- Realtek RTL8101E/RTL8102E
- Wireless NIC
- Broadcom Corporation BCM4312 802.11b/g
- Bluetooth
- Dell 365 Bluetooth 2.1+EDR
- Webcam
- Syntek Integrated Webcam
To list hardware, issue this command:
$ lspci && lsusb
The Dell Mini 10v does not have an optical drive. This means you will need to install Arch Linux through one of the alternative methods:
- USB stick (recommended)
- External USB CD-ROM drive.
To select the required boot media to install Arch Linux, press Template:Keypress to open the Boot Menu when booting the Dell Mini 10v.
After reaching the Install X and configure ALSA section of the Beginners' Guide, follow these Dell Mini 10v guidelines:
Video Driver
Install the correct video driver:
# pacman -S xf86-video-intel
The synaptics package is required to use the touchpad. For help refer to the Synaptics guide. Manual configuration is needed as follows to ignore movements, scrolling and tapping on the bottom section of the touchpad, where the touchpad buttons are located.
Firstly install the synaptics package:
# pacman -S xf86-input-synaptics
The use of xorg.conf or HAL configuration is now deprecated in favour of udev. Add the 'JumpyCursorThreshold' and 'AreaBottomEdge' options to Template:Filename: Template:File
Once X has been restarted, the bottom part of the touchpad will be disabled, allowing a user to click without unintentional movements of the mouse. See the synaptics manual page for available options:
$ man synaptics
The Wireless NIC is supported by the b43 module and is included in kernel from 2.6.32 on. Firmware must be installed for this hardware, as outlined in the Wireless Setup article.
To suspend to RAM, install both Template:Package Official and Template:Package Official:
# pacman -S pm-utils acpid
The acpid package handles events such as pressing the the power button or closing the laptop lid. For more information, see the Acpid article. To suspend to RAM, edit Template:Filename to tell the acpid package to call the pm-suspend script (part of pm-utils), when an event such as closing the laptop lid occurs. Below, Template:Codeline has been added to the button/lid and button/power sections:
The netbook will now suspend to RAM when the laptop lid is closed or power button pressed. To wake to netbook, open the lid or press the power button once more.
Sound and Microphone
Sound can be set up as outlined in the ALSA section of Beginners' Guide. The microphone and speaker can be unmuted and volume increased by using alsamixer:
$ alsamixer
Firstly, press Template:Keypress+Template:Keypress to view both Playback and Capture cards. Now press Template:Keypress to unmute Master, PCM, Mic and Capture. Arrows can be used to select the channel and increase volume.
The inbuilt webcam works out of the box, with the latest kernel. You may use the Template:Package Official package to test the webcam, however this package depends on Template:Package Official. Also check that the normal user is a member of the video group:
$ groups $USER
Follow the Bluetooth article for setting up Bluetooth.
SD card reader
The SD card reader works out of the box.
Solid-state drive
For maximising performace of a SSD, refer to this article.


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Loans from commercial lenders provide an easy avenue for entrepreneurs to run their businesses. What should also be made clear is the fact that the prospects of obtaining a loan can be diminished by not paying attention to simple mistakes. Here are some common mistakes to avoid when applying for a business loan.
Not having a business plan
A business plan demonstrates that you are taking a thoughtful approach to running your business, which your banker will perceive as something that will reduce their risk. Not having a business plan with therefore reduce your chances of obtaining credit.
Having no collateral
Remember, banks don't like risk. Collateral removes, or at least reduces, risk. Your banker will want to know that he can recoup some of the loss should you default on the loan. You will therefore do well to have some form of collateral.
Applying only to the most convenient lender
Most Main Street business owners head to the local bank first. Although there's nothing wrong with this approach (and it's certainly what your local bank wants you to do), you are not under obligation to do this. There are many online resources to help you find the bank, or maybe even an alternative lender, which is best suited to your situation.
Not reading the terms carefully before signing
Once you have the loan, before you sign on the dotted line, make sure you read and understand all the terms. They call it "mouse-type" in the world of business because it's usually so small only a mouse can read it, but you need to. What's more, reading alone isn't enough; make sure you understand it all.
Not knowing your credit rating
Before you apply for a loan, you need to know your rating. Get copies of your credit score from major credit bureaus. Make sure you check your personal as well as your business credit rating.
Choosing the wrong lender
There are more borrowing options for small businesses than ever before, from the traditional sources such as banks and credit unions, to alternative lenders and crowdfunding websites. Don't rush into the borrowing decision. Take the time to assess all of your options before you apply for loans. Then, if you receive loan approval from multiple lenders, carefully compare the offers to make sure you're getting the best possible terms.
By eliminating the mistakes listed above, you will certainly increase your chances of obtaining a business loan.


text:
Children's Pre-Existing Conditions
Cracking Down on Frivolous Cancellations
Doctor Choice & Emergency Room Access
Ending Lifetime & Yearly Limits
How to Appeal an Insurance Company Decision
Rate Review & the 80/20 Rule
Rights & Protections
Summary of Benefits and Coverage
The Health Insurance Marketplace
What If I Have a Pre-Existing Health Condition?
Young Adult Coverage
Managing Your Distress In The Aftermath Of A Shooting
Mental and Behavioral Health
People with Intellectual and Developmental Disabilities in the Criminal Justice System
Siblings: Brothers and Sisters of People Who Have Intellectual and Developmental Disabilities
Ten Ways to Promote Mental Health in Infants and Toddlers with Developmental Disabilities
What Are Regional Centers?
Basic Preparedness pdf
Case Management for Older Persons in Disasters pdf
Children and Grief
Disaster Preparedness for People with Disabilities
Disaster Preparedness for Persons with Dementia pdf
Disaster Supplies Checklist pdf
Family Communication Plan pdf
Helping Children Deal with Tragedies in Response to School Shootings
Pet and Animal Emergency Planning
Recovering from Disaster: A FEMA Fact Sheet
Stock a Kit pdf
Talking to Children About Terrorism and War
Water Conservation Tips pdf
Why Prepare? pdf
Psychiatric Advance Directives pdf
Sample Psychiatric Advance Directive pdf
Before You Label People, Look At Their Contents
Bipolar Disorder and African-Americans
Bullying and LGBT Youth
Strengthening Mental Health Promotion
Talking to Kids About Mental Illness
The Role of Culture in Helping Children Recover from a Disaster
10 Fundamental Components of Recovery
Consumer Bill of Rights and Responsibilities
Managed Care Glossary
Children's Threats: When Are They Serious?
Getting Organized: Helpful Hints for Families
Glossary of Children's Mental Health Terms
Helping Traumatized Children: An Overview for Caregivers
List of Free Therapeutic Homework Apps for Youth 1-4-17 pdf
List of Mental Health Resources Apps for Youth, Caregivers, or Therapists 1-4-17 pdf
Sibling Support Programs
Siblings: Forgotten Family Members
print close directions


text:
Build free social networking websitePekerjaan
saya ingin memasar kan sebuah asuransi dan kosmetik,serta pemasaran bidang furniture dan elektronik
dibutuhkan tenaga network dan technical support untuk event (+/- 11 hari)
dibutuhkan tenaga network dan technical support untuk event (+/- 11 hari)
A social networking website for a very particular genre. In need of a MEAN developer of the project
We are a small start up UK company building a location-based social media app that allows women to find new female friends (similar to bumble bff), chat and find social/industry events and network. It is bespoke to women from the ages of 18-40 years old (our main focus being 18 - 35 year olds). Quote ref(#113) in your response to this ad. Currently
We are selling indian paintings . I want you to share my website link with a unique promocode named after you . Which when applied by buyer will earn you 10% of the product price . Link - [login untuk melihat URL]
DISCLAIMER 1: Quickbooks Desktop is hosted on a "server" desktop. I don't have the installation CD. DISCLAIMER 2: Job is at a physical location, Zip Code: 90019. 8 Windows Desktops (Windows7 x 4, Windows10 x 4) 1) I'd like to replace the "server" desktop with an alternate solution. (I don't know where, but it seems old-age) Since the Homegroup is discontinued,...
Matlab, signal processing and sensor networking need people who can understand the idea and implement in matlab as soon as possible research based work
Capstone Project needs to be done.
i need this project on friday.
looking for someone who is expert in Networking IT and can help me thanks
Hi, I am looking for a freelancer who can build a social networking website with job portal & mobile app (Android & iOS). You will quote only for this. Once the website is up and running, I want you to add the below mentioned features as modules/addon's. Event management Bidding Business directory Ticketing system and many.....
simple photon networking project related to UDP and TCP
Need a blockchain and ICO content writer that is qualified in some famous forums and social networking site As I have mentioned, proof of work before is a must, people with experienced profile and other social links needed Inbox me when you BID, I will remove those who bid but never inbox.
Hello, I want a social networking app based on PubG Mobile Game. It will be a simple app where people can post images, videos, and also can post a tournaments if there are any. The homepage will be series of recent uploads and a separate button for tournaments. There will be no friend request or anything. Everyone is able to see everything and can chat
On NOISY Channel. For further Info contact.
...classifier in switch and controller) by (semi-supervised techniques on incremental kmeans) that classifies service types to (elephant flow and mice flow) in software defined networking (SDN). Secondly, After I will use the input types of traffic (elephant flow or mice flow) and other parameters bandwidth utilization ratio, packet loss rate, transmission
Need to create pages on Linkedin, Bring new audience and post engaging content for the audience in order to Increase social awareness of the business
I need a responsive website. I already have a design for it, I just need it to be built. It is a social media platform where cover the feature of Facebook. Except story, gaming, live. however, addition scanning QR code. Able to give the appropriate IT advice. The lowest get the offers.
I need an Android app. I would like it designed and built. send portfolio links first
...example, an N-Tier design or superior supported by research. Add appropriate routers and switches to support this new design. Design and configure at least one appropriate networking protocol, IPv4 or IPv6. Design IP addressing that will scale to 1,000 devices. Use proper network address translation (NAT). Add an Internet Service Provider (ISP) into the
I need a networking Expert with good knowledge of servers and programming. I need a work for Cloud computing. I need for resolving issues of security in cloud computing
I need a networking expert with good knowledge of Programming. I need a Expert who has good knowledge of Security Load Balancing in Cloud Computing I need presentation of above topics using any software
work as a desktop support engineer. currently working in BiggBoss show net support engineer.. I have 2 years experience working with the I.T Technical Head In biggboss show
social networking for finding and messaging lost [login untuk melihat URL] pic, video, chatting,sending message.
This project has to be build using JAVA based on a skeleton file. You will have to build a reliable data transfer over UDP communication that are capable of handling packet loss, packet delay and etc. Please refer to the uploaded file for the scope of the project. I will send you the details once we work out an agreement.
it is a long term project and I need an expert in VANET, quality of services, routing protocols, data transmission. A freelancer with research experience in this domain. Freelancer need to solve few problems time to time and provide technical documentation. ultimately, freelancer need to write scientific article on the work performed.
I need expert who can work in vlsm. Details I will give over chat
For a new Social Networking Platform - [login untuk melihat URL] , we want people to generate content. What is Gyrii What is Gyrii? Every day we make several decisions, both at Work and in Life. We get involved in Negotiations, Group Decisions, Judgements. Factors such as Emotions, Sentiments, Previous Experiences, Time Factor, Perceptions, Complexities, Thought
perform RIP or OSPF for configuring topology
I need an Android and ios app. I would like it designed and built. It should have a timeline similar to Facebook and an email le...built. It should have a timeline similar to Facebook and an email learning module with payment gateway. The developer preferably needs to have experience in designing social networking/ e-learning or similar applications.
Computer networking and engineering
If anyone is do this work do fast in my chat message. and write my chat message "DO" , And i disccus with you about this project
Small problem about networks in the real world and its applications, multi step process for basic explanations
[login untuk melihat URL] is a new social media software coming to market which will help users clean and manage their friend lists, pages, groups etc among many other amazing features. We need a FLAT LOGO design (no 3D images) that portrays the concept of cleaning, renewing, refreshing a social network feed (Facebook Wall etc) RULES FOR CONTEST: - Submit
I have 2 locations and a home location. I would like the 3 of locations to be connected through site-to-site VPN (router-to-router VPN). In location 1 & 2 i have netgear utm50 which has VPN capabalities and home location has a Asus RT-N66U ( i can change Asus router to netgear if i have to). I would like the 2 netgear's to be connected through VPN so workstations at both locations r...
Wanted professional networkers.
Configuring topology using IPV4. Using cisco packet tracer.
Office Network down after after windows 10 pro v1803 update Need a solution through remote assistance
Rr 1000 to 1500 it should be good working project and i will require assistance after the project regarding working and documentation
i need a networking based project with all documentation budget is rs 500 to 1000
I need some help with internet marketing.
VLSM and STP. To do topology for STP and VLSM.
for more details pm.......................
...future plans with you if were satisfied. The main function of the app is video and picture uploading (which at first would be approved by us), sharing with another user or on social media. You will be working by yourself, we'll provide all the details, design and any help if needed. To be a best fit for this project you need: • Ability to communicate
I have started my company in the name of solestop photography private limited in delhi it deals with photography and videography services in all genre i need a guys to help me out in reaching people and getting more business for me
I'll provide a scenery of my company and all the problems with it will be mentioned. One should find the proper IT solutions for the existing problems.
We are looking for a developer who can built a Web page based on following criteria: - Search toolbar - Listing pages (different categories for example. Software, Finance, Gastronomy, Events etc.) - Each category shold show small listings (products - about the topic the kickback and shared revenue) - Profile builder - Payment process - automatic email notification - connecting function We w...
i need a networking based project with all documentation budget is rs 500 to 1000


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201: P911Mon, Nov 12 7|6cPM
Kathryn 'Kate' Cole who, as a former BAU profiler and now head of the FBI's "Innocent Images" unit, an undercover unit dealing with Child Pornography, comes across an image detailing a young boy in a cage who is going to be 'auctioned' off online in 48 hours. Kate enlists Gideon and the BAU to help identify and save the boy.
202: The Perfect StormMon, Nov 12 8|7cPM
After a series of gruesome murders, our team profiles and discovers the offenders are a husband and wife team. This will be somewhat like the pilot, wherein we profile what appears at first to be a very fractured personality but we then realize it is more than one person and are surprised to find that the wife is the more aggressive of the pair.
203: PsychodramaMon, Nov 12 9|8cPM
Based on a real case, the BAU profiles a series of brutal bank robberies wherein the UnSub has the victims disrobe to make his escape easier. But we realize the perpetrator has become more interested in sexually abusing and torturing his captives than stealing their money.
209: Lessons LearnedTue, Nov 13 11|10cAM
Called in by Homeland Security, the BAU has 48 hours to determine where and when a sleeper cell will strike within the U.S. Using profiling techniques, Gideon travels to Guantanamo Bay to break the leader of this cell, while the rest of the team works the case stateside.
210: Sex, Birth, DeathTue, Nov 13 12|11cPM
Reid is approached by a troubled young man who fears that he may be a serial killer in the making when he describes his fantasies to Reid about killing hookers. When several prostitutes turn up dead in the D.C. area, the young man becomes the prime suspect in their murders.
216: DistressTue, Nov 13 6|5cPM
The BAU investigates the murders of three people who have been killed in the last 48 hours at various construction sites in Houston's Fifth Ward. What they discover is that the killings are not at the hands of a serial killer but a war veteran suffering from severe Post Traumatic Stress Syndrome. He thinks he's in the middle of a war zone and is trying to stay alive until he's rescued. The BAU stage an extraction to "rescue this veteran before he kills again.
219: Honor Among ThievesMon, Nov 19 12|11cPM
A kidnapping case is introduced to our team when Agent Prentiss's mother, Ambassador Elizabeth Prentiss, brings a case directly to the BAU. Russian mobsters in the Baltimore area have been kidnapping immigrants for ransom. The BAU team goes into the heart of Little Odessa and profiles the local mob boss and the Russian Thieves Code. The mystery unravels when the BAU learns that the daughter of the kidnap victim was in on the crime.
221: LegacyMon, Nov 19 2|1cPM
The BAU go to Kansas City at the request of a cop whose beat is the downtown area and where 63 people - the hookers, the homeless and the runaways have disappeared off the streets. The team discovers that the serial killer is a wealthy man on a mission to rid his city of "the low life elements. With the help of his manservant, they abduct their victims and torture them by having them travel through a chamber of horrors before killing them.
222: No Way Out : The Evilution Of FrankMon, Nov 19 3|2cPM
Frank is back and Gideon is his target. Fearing that Frank will kill her, Jane (his love) leaves him and goes in search of Gideon for protection. Unable to find her, Frank goes to Gideon's apartment; kills a friend of Gideon's and leaves the message that he will continue to kill the people Gideon has saved until Jane is delivered to him. As Hotch and the rest of the team search for Jane, Gideon and Garcia work together to profile Frank's history in order to stop him. During the course of this investigation, Hotch continually bends the rules which ultimately puts his position as the BAU team leader in jeopardy. Keith Carradine guest stars as Frank and Amy Madigan guest stars as Jane.


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Three reviewers, appointed by social conservatives, have recommended revamping the K-12 curriculum to emphasize the roles of the Bible, the Christian faith and the civic virtue of religion in the study of American history. Two of them want to remove or de-emphasize references to several historical figures who have become liberal icons, such as César Chávez and Thurgood Marshall.
The conservative reviewers say they believe that children must learn that America's founding principles are biblical. For instance, they say the separation of powers set forth in the Constitution stems from a scriptural understanding of man's fall and inherent sinfulness, or "radical depravity," which means he can be governed only by an intricate system of checks and balances. The curriculum, they say, should clearly present Christianity as an overall force for good -- and a key reason for American exceptionalism, the notion that the country stands above and apart.
"America is a special place and we need to be sure we communicate that to our children," said Don McLeroy, a leading conservative on the board. "The foundational principles of our country are very biblical.... That needs to come out in the textbooks." (emphasis mine)
Views: 102
Rev. Marshall, who preaches that Watergate, the Vietnam War and Hurricane Katrina were God's judgments on the nation's sexual immorality.
© 2018 Atheist Nexus. All rights reserved. Admin: The Nexus Group. Powered by


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For Immediate Release Contact: Jerry Horn (540) 220-0095
In an unprecedented step, Priests for Life, the international Catholic, pro-life organization, today announced that it has contacted every parish in the United States with an offer to provide election-related materials completely free of charge, and an urgent plea to speak up as elections draw near.
"We have prepared an effective kit that will have results," said Fr. Frank Pavone, Founding Director of the pro-life organization which Patricia Ireland, former president of NOW, said "spans the mainstream and the extreme" of the anti-abortion movement. "All our pro-abortion friends know the impact we had on the elections two years ago; that's why they protested against me last year at the Waldorf-Astoria hotel. I hope they are preparing another protest to follow this year's elections."
"Priests for Life is a non-profit 501c3 organization, and as such, we do not endorse any particular candidates or political parties. Our law firm, Wilson, Elser, Moskowitz, Edelman, and Dicker, LLP, reviews all our public statements and activities to make sure we are in strict compliance with IRS guidelines." Nevertheless, Fr. Frank insists there is a lot more that all Church organizations can do to ensure that, as our bishops have urged, believers use their vote to advance a Culture of Life.
"We tend to be over-cautious. It is time to run our 19,000 parishes less like lawyers and more like prophets," concluded Fr. Frank.
Along with educational materials for the parishes, Priests for Life will use radio spots and full-page ads as the elections approach.
To arrange an interview with Fr. Pavone, or to receive a sample Mid-Term election pack, please contact Jerry Horn at (540) 220-0095.


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Scott Will necesitaba un nuevo diseño de camiseta y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 143 diseños de 32 diseñadores freelance.
Linda McMahon is a candidate for U.S. Senate in the state of Connecticut running as "a different kind of candidate." We are looking for a cooler and hipper version of Linda's logo for use on t-shirts only. We are allowing for and encouraging some artistic interpretation and freedom in terms of this modified logo; however, the original campaign logo as posted on the campaign website will be recognizable in the winning design.
The winning design will strongly incorporate elements of the original logo (see website), but it will be created in a way that allows it to eventually be easily adaptable to various audiences. For example -- sportsmen for linda; women for linda; environmentalists for linda, etc.
The winning design must have both a front and back design (front and back can either be graphically identical or different); must include the phrase "a different kind of candidate"; must include the website "Linda2010.com" or "www.Linda2010.com"; both 'Linda' and 'McMahon' can be included, but the emphasis should be on 'Linda'.


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Profits at Northeast Utilities fell in the second quarter due to ongoing merger costs and a charge relating to a federal review of how much money is reasonable for it and similar companies to earn from transmission projects.
Lower electric sales due to warmer weather in May and June also weighed on earnings for the Hartford- and Boston-based energy company.
Net income in the second quarter fell 25 percent to $127.4 million, or 40 cents per share, from $171 million, or 54 cents per share, in the same period last year.
The Federal Energy Regulatory Commission in June issued an order requiring Northeast Utilities to take a $32.1 million after-tax charge because of changes...


text:
About this paper
Churn has long been one of the largest issues facing the communications industry. It's a multifaceted challenge, but there is one silver bullet solution: Make your existing customers so happy they never want to leave.
A new report from Harvard Business Review, Lessons from the Leading Edge of Customer Experience Management, is an in-depth study of more than 400 customer experience management executives worldwide. The results show that the companies investing in customer experience management (the processes an organization uses to manage customer interactions across the enterprise) are far outperforming the ones that don't.
Download this article to see what those results mean for the communications industry and – most importantly – the five lessons you can apply now.
About SAS
SAS is the leader in analytics. Through innovative software and services, SAS empowers and inspires customers around the world to transform data into intelligence. SAS gives you THE POWER TO KNOW®.
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text:
We are sorry, this product is currently not available.
Minted + domino Art Print Challenge: we partnered with design marketplace Minted to find fresh up-and-coming art to feature on domino.com! From the thousands of submissions, we've uncovered 75 brand new pieces, 25 of which are exclusive to domino.
Standard Paper & Framing
A thick, matte art paper in a brilliant white hue. Standard framed art prints are custom fitted using plexi glass, a protective backing, bumpers and hanging wire.
White Premium Wood
• Handcrafted white wood frame.
• Frame width is .75" for dimensions 16 x 20 and smaller; 1.5" for dimensions 18 x 24 and larger.
I love shooting landscapes, and wanted to experiment with manipulation of light and color in this series. This image depicts the majestic Half Dome in Yosemite National Park, which is one of my favorite places in the world. This photograph would look lovely framed in a group, or individually as a large statement piece.
About the Artist Lindsay Ferris Photography:
I am a digital & film photographer who, along with my husband and three dogs, call beautiful Pacifica, California home. I run a photography business - specializing in creatively capturing weddings & portraits. I also love to travel, capture beautiful landscapes, and create abstract photography. When I'm not photographing, you find me snuggling with one of my dogs, binge watching Mad Men or Project Runway, mountain biking the trails in Pacifica, or planning a roadtrip with my husband.
Artist Location: Pacifica, California
For more ideas check out domino and MINTED art challenge


text:
SOUTH HACKENSACK, N.J. – A South Hackensack teacher's aide was arrested Thursday and charged with sexually assaulting a young girl, Bergen County Prosecutor Gurbir S. Grewal said.
Philip Cerone, 27, of Maywood was being held in the Bergen County Jail pending a first appearance Friday in Central Judicial Processing Court in Hackensack.
Cerone -- who was also an assistant varsity baseball coach at Hackensack High School and girls basketball coach in South Hackensack -- is formally charged with "sexual assault by a supervisor" of a juvenile between 16-17 years old and "child endangerment by sexual contact," according to jail records.
Cerrone "was a substitute in the [Maywood] District before leaving for a job in South Hackensack," Schools Supt. Michael Jordan told Daily Voice on Friday. "He was in Maywood as a sub intermittently I believe 3 years ago."
Click here to sign up for Daily Voice's free daily emails and news alerts.


text:
Main Site - :: Why Won't God Heal Amputees? ::
0 Members and 1 Guest are viewing this topic.
Welcome to... er... thanks for reposting your intro message, Nam!Thirteen
Reading this again after 3 years since I last posted it, I realize i've actually have changed a lot in the past 4 years since I wrote this. I don't know if I should re-edit this to suit my current feelings about it all.Probably doesn't matter.Sorry for necroing.-Nam


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Sir Michael Berry Recognized as 2014 Recipient of the Richtmyer Memorial Lecture Award
College Park, Maryland, United States, September 30, 2013—The American Association of Physics Teachers (AAPT) announced today that Professor Sir Michael Victory Berry, has been selected to receive the 2014 Richtmyer Memorial Lecture Award. Berry is recognized with the award for outstanding contributions to physics and effectively communicating those contributions to physics educators. The award will be presented at a Ceremonial Session of the AAPT Winter Meeting in Orlando, FL.
Sir Michael Berry is a world-renowned theoretical physicist, who is famous for his discovery of geometric phase effects ("Berry's phase") in quantum mechanics. His more than 450 scientific publications cover topics ranging from glaciers, to nonlinear dynamics, to optical diffraction, quantum chaos and caustics. He is also author of Principles of Cosmology and Gravitation. With a well-deserved reputation for polished, elegant and illuminating lectures, he has brought the excitement of contemporary theoretical physics to audiences around the world.
Regarding his selection for this award Berry said, "I am delighted to receive this unexpected honor from the AAPT, and humbled to be in the company of such distinguished previous recipients."
Berry is Melville Wills Professor of Physics (Emeritus), University of Bristol. He holds a Bachelor of Science degree in Physics from the University of Exeter and a PhD in theoretical physics from University of St Andrews. He holds ten honorary Doctorates and one honorary Professorship. His career has developed at the University of Bristol, first as a postdoctoral fellow, then Lecturer and then Reader before becoming Professor in 1979. From 2006-2012 he was Editor of the journal, Proceedings of the Royal Society.
His recognition with the Maxwell Medal and Prize of the Institute of Physics in 1978 was followed by numerous other science and mathematics awards, including the ignobel prize in physics in 2000, sharing the prize with Andre Geim for their work on "The Physics of Flying Frogs."
Berry was elected to the Royal Society of London in 1982, was elected a Foreign Member of the National Academy of Sciences of the USA in 1995, and Knighted by Queen Elizabeth in 1996.
Berry specializes in semiclassical physics (asymptotic physics, quantum chaos) applied to wave phenomena in quantum mechanics and other areas such as optics. He has given many prestigious lectures and has held visiting positions in Nigeria, Italy, Germany, The Netherlands, Switzerland, France, Australia, New Zealand, the United States, Israel, Mexico, and Belgium.
About the Award
The previous recipients of the Richtmyer Award include Brian Greene, Kathryn Moler, Vera Rubin, Alex Filippenko, Arthur H. Compton, Enrico Fermi, Philip Morrison, and Steven Chu. The complete list of winners can be found at http://www.aapt.org/Programs/awards/richtmyer.cfm.
About AAPT
For more information contact Marilyn Gardner, Director of Communications, firstname.lastname@example.com, (301) 209-3306, (301) 209-0845 (Fax), www.aapt.org.


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ASHLAND — Linda Monroe can't keep her eyes off the 30 stained-glass windows that bring color, light and meaning to congregants at the United Methodist Church of Ashland.
As a child attending services here, Monroe admits that she often tuned out the minister to quietly gaze at the glass fragments, arranged to create geometric patterns and religious figures.
As an adult, Monroe, 70, has spent the past five years raising money to have all but one of the windows repaired.
Some had pieces cracked from stones being thrown at them or BBs shot through them. Some had gaps in the lead that allowed the wind to whistle in and chill the room. Some were patched with duct tape.
Despite their condition, they have stayed in place for more than a century.
The United Methodist Church, at the corner of North Main and Laurel streets, was the first house of worship built in Ashland. Its cornerstone reads 1875, which is a year after the city was incorporated. The original building was completed two years later.
In 1876, the Ashland Daily Tidings' published its first edition, with the editor noting that although the city didn't have a saloon or a church, bottles of whisky were available and circuit-rider ministers preached at the schoolhouse.
"Therefore, the people are generally happy here," he wrote.
Fourteen families helped build the Methodist church, says Monroe.
Over time, the church expanded in size and was significantly remodeled. But its sturdy wood walls still frame a glass treasure trove that is noticed by church visitors, passers-by and, unfortunately, vandals.
There have been other sources of damage, too. Traffic vibrations on Main Street, sun exposure and opening the windows for ventilation also have worked to weaken the heavy pieces of glass.
"I can't let them fall apart," says Monroe, who was baptized at the church. "It is a privilege to have these works created by the Povey Brothers glass company. These represent art and beauty."
In the late 1800s to early 1900s, when mansion owners, civic leaders and church members in Oregon wanted majestic art glass to illuminate rooms, they commissioned the Povey Brothers Studio of Portland, which was known as the Tiffany of the Northwest.
Brothers David, John and George Povey came from a long line of stained-glass craftsmen. They moved to Portland and established the first decorative window company there in 1888.
They imported the glass from Europe and designed, painted and constructed the windows at their studio.
When the Ashland church was remodeled in 1911, the Poveys were hired to create multipanel windows, according to Monroe.
The centerpiece is a 10-foot-long arched window, called "Christ Praying in the Garden." Its intricate, fired, painted pieces make it the most valuable of the windows here.
It also is the final window to be restored because the project will cost $28,000.
Nevertheless, it needs to be done. Fast.
The middle section bows and experts fear the entire window could fall.
"Someone threw a rock at the window a while back and cracked the protective Plexiglas," says Monroe, who lives in Medford with her husband, Dale. "If we had not had it protected, our window would have been destroyed."
She says she is determined to save this window for the next generations.
Church members, the community and visitors have raised about $10,000 toward window restoration.
When they reach beyond the halfway point — about $6,000 more by Sept. 1, they hope — Monroe says they can move pews, erect scaffolding inside and out, take out the window, stabilize it and transport it to Tim and Dal Yockey of Canterbury Stained Glass in Ashland.
The Yockeys, who specialize in preserving vintage stained glass, will take the window apart, clean it and cut replacement pieces. There will be at least 12 different firings and special caning created.
"We will have four months to raise the rest of the money," says Monroe, and then the window will be reinstalled with reinforcement bars and an acrylic cover outside.
Until then, plywood would temporarily conceal the opening.
Monroe winces.
Then she smiles, saying, "It will look awful for a while, but there is nothing better to encourage donations than seeing scaffolding and plywood where beautiful stained glass used to be."
Reach reporter Janet Eastman at 541-776-4465 or email@example.com.
A local historian says the stained glass was manufactured in Kokomo, IN. The remodel of the historic sanctuary and the installation of the Povey windows were in 1908.
Her mission is restoration
ASHLAND — Linda Monroe can't keep her eyes off the 30 stained-glass windows that bring color, light and meaning to congregants at the United Methodist Church of Ashland.


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Selecting his cut and uncut jewels from very various Buddhistic sources, Mr. Bowden has here supplied those who buy and use the book with rubies and sapphires and emeralds of wisdom, compassion, and human brotherhood, any one of which, worn on the heart, would be sufficient to make the wearer rich beyond estimation for a day. The author disclaims any... more...
The Essence of BuddhismStart Publishing LLC 2013; US$ 0.99
This book describes the basic principles of Buddhism. Much has been written about Buddhism and how to practice it. Readers will have no difficulty finding hundreds of books on the topic. This book simply focuses on the essence of Buddhism, as expressed in the Four Noble Truths and the Eight-fold Path. Buddhism is not a religion as such; it does not... more...
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Buddhism is a religion indigenous to the Indian subcontinent that encompasses a variety of traditions, beliefs and practices largely based on teachings attributed to Siddhartha Gautama, who is commonly known as the Buddha, meaning "the awakened one". He is recognized by Buddhists as an awakened or enlightened teacher who shared his insights to help... more...
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Laboratorios Cinfa, S.A. v. Pfizer Ltd., Pfizer Corporation & Pfizer, S.A., Supreme Court, Spain, 30 June 2010, Docket No. 1785/2006.
On 30 June 2010, the Supreme Court rendered a decision putting an end to the long-lasting proceedings in which Pfizer and Laboratiorios Cinfa (Cinfa) have been confronted for 8 years in relation to the marketing in Spain of generic drugs of amlodipine besylate. Contrary to what both the First Instance Court and the Court of Appeals had previously declared, the Supreme Court understood that Cinfa could not take advantage of the experimental use exception to patent rights -as drafted subsequent to the insertion of the "Bolar Provision" in the Spanish Patents Act- to elude the infringement of Pfizer's patents ES 2012803 (EP 244944) and ES 520389 with respect to the activities carried out aimed at obtaining the corresponding marketing authorization from the Spanish Medicines Agency, thus declaring the Supreme Court the infringement of Pfizer's patents.
Continue reading "ES - Cinfa v. Pfizer / Amlodipine / Cassation Appeal" »


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Graded Activities & Assessment
Visits to this page since 12/1/02
Brief description: Teaching and Learning in the Digital Age (2) is the second term of a fall quarter and spring quarter 2-term sequence.
In the fall term, all students in the 2-credit course also took a 1-credit course on Roles of ICT in Problem Solving from Moursund. In the spring term, most (all?) are also taking a 1-credit course on ICT-Assisted Project-Based Learning from Moursund. Click here for the complete syllabus of that course.
Students in this 2-term sequence will gain a broad understanding of Information and Communication Technology (ICT) in instruction and how ICT is changing and will change the world's education systems. They will learn to plan for change and to be change agents. They will learn to be leaders in ICT in education. The course is balanced between theory and practice. It is primarily intended for students in the elementary school Integrated Teaching teacher education program, although others can be admitted with the permission of the instructor. The prerequisite for the course is the first term of the sequence or equivalent, as well as a relatively high comfort level in using ICT facilities.
Course Objectives. The overall goal of the course is to increase the ICT in Education knowledge and skills of participants, helping them to become ICT-using teachers in their day to day teaching and to be leaders in the field of ICT in Education. Specific objectives in the DAE2 course are to increase ICT in Education knowledge, skills, and leadership preparation in the areas:
Very short overview. Here is a very rough course outline:
Course Instructor
Office Hours and Contact Information
Rules, Regulations, and Policies.
Google Search Engine. Use Google to search the "Darkwing" domainit includes most of Moursund's Websites as well as many other Websites hosted by the University of Oregon.
FreeFind Search Engine. Use FreeFind to search the DAE2 Website.
Dave Moursund
Dr. Dave Moursund, is a professor in the College of Education at the University of Oregon. In 1970 he established the master's degree in Computer Science Education at the University of Oregon. This was the second such program in the country. In 1971, he and Dr. Keith Acheson, a math educator in the UO College of Education, established the doctoral program in Computers in Education at the University of Oregon. This may have been the first such program in the US, and a large number of people have completed this program. In 1979 Dr. Moursund founded the International Society for Technology in Education. (It's initial name was International Council for Computers in Education.) Dr. Moursund's Website contain a substantial amount of free materials that he has developed to help people interested in the field of IT in education.
Office Hours and Contact Information
Spring Term 2005 office Hours are 1:00 to 3:50 Thursdays during the first five weeks of the term, and 3:30 to 5:50 Thursdays during the last five weeks of the term. My offices is in Room 124A, College of Education. Phone (541) 346-3564. Email: firstname.lastname@example.com. Office hours sometimes get canceled due to meetings and/or out of town trips. Please do not contact Dave Moursund at his home except in extreme emergencies.
This Website and the material that it contains should be viewed as a work in progress. This is a relatively complex document and it undoubtedly contains errors. Significant changes are apt to occur as the course progresses. When these changes affect specific reading assignments, written and other graded assignments, and/or assessment, announcements will be made in class and also in the Announcements and Updates section of this Website.
Google Search Engine
This section is designed to facilitate the use of the Google search engine to search three different domains:
Directions: Use the Radio Buttons in the form given below to select one domain to be searched. Then enter your search terms and click on Google Search.
Search This Site Using the FreeFind Search Engine
1. phrase search
The search engine supports three types of phrase search.
2. + and - qualifiers
If you prepend a word with + that word is required to be on the page.
3. * wildcard
If a query word ends with a * all words on a page which start the same way as that query word will match.
4. ? wildcard
If a query word contains a ? any character will match that position.
5. Boolean search
You can use the following Boolean operators in your search: AND, OR, NOT. These operators MUST be in capital letters.
6. All of the techniques listed above can be combined:
Example: +alway* -ne??r*
Possible resources for Future Revisions of the Course
Johnson, Doug (2005). Top Ten Secrets for a Successful Workshop. firstname.lastname@example.com
Kurzweil and Artificial Intelligence. See http://www.nature.com/news/2005/050207/pf/050207-7_pf.html This is a newspaper report of a presentation he made about AI and military stuff. It is a good example of both AI and "inventing futures."
Charter Schools in Oregon and Nationwide. Charter school a click away. Scio is partnering with a company to open a statewide online academy that would be the first of its kind in Oregon
www.gatesfoundation.org/nr/downloads/ ed/researchevaluation/TLP2003Final.pdf
DuFour, Rick (Summer 2004). Leading edge: Are you looking out the window or in a mirror? Journal of Staff Development, Summer 2004 (Vol. 25, No. 3). Accessed 7/14/04: http://www.nsdc.org/library/publications/jsd/dufour253.cfm. I think that this would be good general reading for students, and then put the twist on it so that it specifically applies to ICT in education.
Three Minutes With Ray Kurzweil
Jakob Nielsen's Alertbox, November 22, 2004:
Have a journaling assignment. But, this time the journal is to include a Table of Contents that is automatically generated. Also, it is to be indexed. Perhaps require at least five index terms per chapter. I suppose I could provide a template. It should also contain a table, plus the usual annotated bibliography. A weekly entry is a chapter. It has a chapter-like heading. It contains an "advance organizer" short introduction, and then three headed sections. These might be Brief Summary of readings, My additional readings, analysis, thoughts, and Applications to the classroom. The Annotated Bibliography and the Index are both "chapters." In this assignment, I expect that each week students will find and read at least one "significant" Web-based reference in addition to the course required readings. Contents of such added readings get talked about in the middle section of each chapter.] Also, each page is to have a header and a footer. If I provide a template, then my expectation will be that each person will customize their template, so that there is considerable uniqueness in the class.
In class discussion and participation.
This is a requirement of the course. The expectation is that every student will regularly participate and contribute.
In addition, the end of term exit interviews from fall term suggest the idea that some class time should be spent discussing journal entries. The focus could be on applications to the classroom. One or more students could be expected to share their insights each week at the beginning of the class meeting.


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Sunday, April 27, 2008
No WiFi at the Inn
More later, I promise! But since I've only been home 15 minutes and am missing the retreat already, I thought I'd post some pictures for those of you who missed out.
It was a serious weekend. We forced folks to get their pictures taken. . .especially Suzanne.
Lots of beautiful yarn was dyed. . .and I mean LOTS!!!
Oh yeah, and we laughed!
4 comments:
I tried last night to leave a comment, but it didn't work. Let's see if it will now.
Anyway, I was happy and not really too surprised to see that Tanya put up some of the retreat pictures so soon after getting home last night. Let me tell you folks, this was nothing short of a blast! We had so much fun and learned so much. I'm gazing as often as I can at my own hand-dyed yarn and thinking of everyone else's yarn I saw. What a multitude of lovely, lovely colors.
Thank you again to all the BSKG'ers who made this past weekend possible. It was really incredible.
- April 28, 2008 at 1:12:00 PM EDT
By the way, how come I only count 19 of us in the group picture? Who's missing?
- April 28, 2008 at 1:44:00 PM EDT
- kpultzdesign said...
I think Judith was on Stacey's right--she seems to be cut off. Tanya, did it happen in posting or did Janet chop the photo?
It was wonderful! I want to see everyone's yarn again--maybe we should do a little display at the May meeting...
- April 28, 2008 at 8:38:00 PM EDT
I had a fabulous time at the retreat. It was great to spend all that time with fiber people. Even when winding yarn there was a group helping. The Inn was a great space and it was nice to only be responsible for me for a change. Any time I don't have to cook or do dishes is good. I was not disappointed in anything. Kate, Tanya and Kim did a wonderful job. Organizing, planning and all the treats what an effort. I would have liked one more day or maybe that wouldn't be enough. Can't wait for next year. Thank you for everything Black Sheepers, Judith
- April 29, 2008 at 10:02:00 PM EDT


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The latest on the blood test fiascoJanuary 29, 2014 at 3:12 pm | Posted in Me, rheumatoid arthritis (RA) | 8 Comments
Tags: appointment, blood test, disaster, NHS, Rheumatoid arthritis, rheumatology, rheumy nurse, walk-in
Here's the thing. You may remember that I said back in November that the hospital were happy for us to have 3-monthly blood-tests for methotrexate? Well it turns out that I'd misunderstood. It appears that the hospital are happy for us to have monthly blood tests but only see the surgery rheumy nurse three-monthly. They are NOT happy to have methotrexate patients checked only three-monthly.
Well that would mean attending the walk-in blood-test appointments, and if you reading my most recent post on this you'll know they're a joke – or they would be a joke if they weren't a tragedy. Today I attended my three-monthly test and had a wee chat to my lovely rheumy nurse about the monthly tests.
They seem to have put the blood tests on a Wednesday now, although my last notification was for a Thursday – perhaps it's both now. If so, it's not helping. The nurse freely admitted that the system was a disaster and I witnessed the rugby scrum as the board with the little numbers stuck to it was brought out by the receptionist.
Walking-sticks flying, old people beat others out of the way as they charged toward the board, knocking down the poor receptionist who was trying to attach it the wall. An ambulance had to be called to cart off the trampled people when the scrum was over.
OK, I exaggerated just a tad there, but not as much as you'd think!
In spite of the fact that there's a notice up saying 'Unless you have a really important personal reason or work, please don't come in before 9:30 for the blood test' I don't think one person in the scrum was under 80. Now the thing is, from experience they all know that there's going to be a 1.5-2 hour wait, and they have lives too – why on earth should they wait 2 hours just because they don't have work – so I don't blame anyone, of any age for coming in at 8:15 plus rather than 9:30 – but the whole thing is just a failure … and surprise surprise, staff are going off sick with stress – so would I be, I think, under the circumstances!
The only light at the end of the tunnel maybe, maybe, maybe, the hospital will see that people are not 'complying' with their monthly tests and then tell the surgery they have to reinstate tests with the rheumy nurse each month – I don't suppose that will happen though. They'll probably just tell the patients off instead.
It's not the lack of rheumy nurse I object to – it's the lack of an appointment time , and a sensible one at that, that doesn't assume each patient can be dealt with in 2.5 seconds or whatever their crazy trial showed!
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Amstrad CPC classic, retro, vintage video games for sale
Welcome to the Amstrad CPC retro video game section of Retroscene.
Please feel free to browse our selection of classic Amstrad video games that are for sale. The majority of the Amstrad games are in tape format, but floppy disk Amstrad games do come into stock from time to time. Disc versions of Amstrad games will be clearly marked up.
We have a mixture of fully boxed Amstrad retro video games complete with instructions, some boxed without instructions, and budget re-released games to suit most budgets.
If you are looking for certain Amstrad games that are not listed here, then check out the Retro Games Clearance section which has classic games for many formats at reduced prices.