text:
Casa Zia Cianetta
Via Capodcaqua 46, Foligno, 06034
Price FromView Rooms
This hotel doesn't have any reviews yet.
About the hotel
Property Location
Located in Foligno, Casa Zia Cianetta is in a rural location and within the vicinity of Abbey of Sassovivo and Parco Colfiorito. This bed & breakfast is within the vicinity of Arco Romano and Chiesa di San Severino.
Make yourself at home in one of the 3 air-conditioned guestrooms.
Digital television is provided for your entertainment. Detached private bathrooms with shower/tub combinations feature complimentary toiletries and bidets. Conveniences include safes and desks, and housekeeping is provided daily.
Take in the views from a terrace and a garden and make use of amenities such as a fireplace in the lobby.
Take advantage of the bed & breakfast's room service (during limited hours).
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access and laundry facilities. Free self parking is available onsite.
Read MoreLess
Facilities Show/hide
- Parking
- Car parking available onsite
- Main
- Laundry/Valet Service
Useful Info Show/hide
- Between 14:00 and 20:00
- By 10:30 hours
- Up to 8 years old
- Know Before You Go All guests, including children, must be present at check-in and show their government-issued photo ID card or passport. Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation. This property's policy is to refuse certain bookings for the purpose of group events or parties, including pre-wedding stag/bachelor and hen/bachelorette parties. Only registered guests are allowed in the guestrooms. Alcohol is not served or permitted at this property. Fees The following fees and deposits are charged by the property at time of service, check-in, or check-out. Cribs (infant beds) are available for an additional fee Rollaway bed fee: EUR 30 per night The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change. The price shown is based on the occupancy and dates you have searched for. Prices and availability are subject to change based on the arrival date, number of nights and occupancy searched for. All prices are inclusive of all local taxes.
- Pets are not allowed
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
No reviews yet


text:
Research Partners
CMI grows stronger through partnerships with other researchers and research institutions, locally and internationally.
CMI benefits from an extensive network of cooperating researchers and institutions in the South. We aim to be relevant. Our partners improve our understanding of development challenges and processes. We aim to inform policy. By working together we can be more effective in communicating research-based knowledge to decision makers.
We have worked closely with some of our research partners for decades. Our cooperation with the University of Khartoum stretches back to the 70's. Others partners are of a more recent date. We keep extending our network through active participation in research consortiums, in national and international debates, and by building on our researchers' networks. Among our partners in the South are universities, research institutes, think tanks, civil society organisations and non-governmental organisations. They all contribute to make sure that we are abreast with recent developments in the countries we work in and the topics we work on.
Brookings Institution
Centro de Estudos e Investigação Científica (CEIC)
Centro de Estudos e Investigacoes Cientifica (CEIC) is a policy think tank located at the Catholic University of Angola in Luanda. Since 2007 the CMI has had a broad cooperation programme with CEIC, presently comprising 16 different projects in economics, anthropology and political science as well as institutional capacity building.
Centre for Policy Dialogue (CPD)
The Centre for Policy Dialogue (CPD, www.cpd.org.bd), established in 1993 by Professor Rehman Sobhan with support from leading civil society institutions in Bangladesh, is mandated by its Deed of Trust to service the growing demand that originates from the emerging civil society of Bangladesh for a more participatory and accountable development process. CPD seeks to address this felt need by way of organising multi-stakeholder consultations, by conducting research on issues of critical national and regional interests, through dissemination of knowledge and information on key developmental issues, and by influencing the policy making process in the country.
In the process, CPD strives to bridge the gap between empirical research and policy advocacy through a sustained effort in public policy analysis. CPD endeavours to create a national environment conducive to open public discussion on important policy issues with a view to ensuring domestic ownership over the policy agenda and also building a broad-based support for such policies. Over the past eleven years CPD has emerged as Bangladesh's premier think-tank and has established its credibility as one of the very few places in Bangladesh where the government and opposition political parties are agreeable to sit around a dialogue table and conduct an informed discussion with the civil society.
CPD focuses on frontier issues which are critical to the development process of Bangladesh in the present context, and which are expected to shape and influence the country's development prospect in the mid-term. CPD's current programme portfolio includes research activities, holding of dialogues, publication and dissemination as well as networking related initiatives. CPD strives to enhance the national capacity for economy-wide policy analysis, fosters regional co-operation and addresses issues, which concern Bangladesh's effective integration into the process of globalisation.
Target Groups
CPD's target groups are diverse and include both policy- makers as well as those for whom policies are designed in the first place. Thus, CPD seeks to involve important cross-sections of the society including public representatives, government officials, business leaders, representatives of grassroots organisations, academics, development partners, and other relevant interest groups. These interest groups are engaged in exchange of views in all the three phases of the CPD process, viz. identification of socially relevant issues, generation of substance for policy analysis and validation of policy approaches.
At the core of CPD's activities lies its dialogue programme. In order to move away from the prevailing tradition of rhetorical exchanges, CPD designs the dialogue format in such a way as to stimulate a constructive engagement and informed exchange of views. Since the goals of CPD are not merely academic, but operational, the dialogues are so designed as to come up with specific recommendations in terms of both redefining policies and also for ensuring their effective implementation. These recommendations are then placed before current and prospective policy-makers of the country as inputs to the policy making process.
To strengthen the information and analytical base of the dialogue process, the CPD maintains an active research portfolio. CPD's flagship research activity relates to preparation of an annual Independent Review of Bangladesh's Development (IRBD), which looks at critical issues of national interest in various sectors of the economy and society with a view to put forward concrete policy suggestions. CPD also carries out policy relevant research on frontier development issues, which include Trade Policy Analysis and Multilateral Trading System, Governance and Policy Reforms, Investment Promotion and Enterprise Development, Agriculture, Ecosystems, Environment and Rural Development, Regional Cooperation and Integration, Poverty and Regional Inequality.
Publication and Dissemination
CPD pursues an extensive programme for disseminating the research and dialogue outputs through regular publications and website posting. CPD's current publication list contains more than 200 titles including Books, Monographs, Occasional Papers, Dialogue Reports and Policy Briefs. Selected parts from CPD publications are also regularly posted on CPD's website. Information about ongoing CPD activities is also regularly published in the CPD Quarterly.
Staff Strength
At present CPD has 57 full-time staff working in its three core divisions: Research, Dialogue & Communication and Administration. A number of Interns and Visiting Fellows are also associated with various CPD activities. CPD also draws on the strength of the rich pool of its Senior Fellows and Fellows.
The Bangladesh Institute of Development Studies (BIDS)
The Bangladesh Institute of Development Studies (BIDS) is an autonomous public multi-disciplinary organization which conducts policy oriented research on development issues facing Bangladesh and other developing countries.
Botswana Institute for Development Policy Analysis (BIDPA)
The Botswana Institute for Development Policy Analysis (BIDPA) is a non-governmental research organisation established by a deed of trust. The two key areas of BIDPA's mandate are development policy analysis and capacity building. Its aim is to promote policy analysis through research, capacity building, assisting organizations or individuals where appropriate, monitoring the country's economic performance and disseminating policy research results.
International Centre for Peace Initiative (ICPI)
Africa Policy Research Institute Limited (APRIL)
Africa Policy Research Institute Limited (APRIL) is incorporated in Kenya. The mission of the organisation is to contribute to the discourse on public policy and management in the context of Africa's development aspirations through research, consultancy and advocacy services. The opportunities and challenges of attaining the development visions and goals of the nations of Sub-Sahara Africa, as they underpin the collective spirit of the continent's renaissance and pursuit of prosperity, are the focus of our work. We earnestly seek to make a thought leadership contribution in harnessing the opportunities and overcoming the challenges.
Centre for the Study of Democracy and Development, Mozambique
National Labour Academy (NLA)
The Norwegian Institute for International Affairs has for more than 50 years been a leading community for research and communication about international affairs of relevance for Norway.
The Choice Lab, Norwegian Business School (NHH)
The Choice Lab consists of researchers devoted to learning more about how people make economic and moral choices, and how governments, corporations and non-governmental institutions can use insights from this research to improve their decision making.
Research topics
The research in The Choice Lab follows three distinct avenues. First, using economic experiments, the researchers study individual decision making, including how people are motivated by moral, risk, time, and institutional considerations. This research includes laboratory experiments with students, representative populations, criminals, and children, conducted in different parts of the world. The research group has also been involved in large scale internet experiments, field experiments, and surveys. Second, the research group studies implications of their experimental findings for important policy issues, including global income inequality, tax policy, and health care, and for management issues relevant to corporations and non-governmental organizations. Third, the research group studies, through axiomatic analysis, the normative justifications for different theories of justice, and how these theories relate to welfare, inequality and poverty measurement issues.
Research output
The research output of the group has been published in top academic journals, including Science, American Economic Review, Journal of Political Economy, Journal of European Economic Association, Economic Journal, and Journal of Philosophy, as well as in numerous field journals.
The research in The Choice Lab is mainly funded by research grants from the Research Council of Norway. We collaborate closely with two research centers of excellence at the University of Oslo, the Centre for the Study of Equality, Social Organization, and Performance (ESOP) and The Centre for the Study of Mind in Nature (CSMN), various governmental and non-governmental agencies, and business corporations.
For further information about The Choice Lab please contact email@example.com.
Birzeit University, Policy Survey Research Centre
PSR is an independent nonprofit institution and think tank, doing policy analysis and academic research. Their work focuses on domestic politics and government, strategic analysis and foreign policy, and public opinion polls and survey research.
The Palestinian Institute for the Study of Democracy (MUWATIN)
Muwatin, the Palestinian Institute for the Study of Democracy, is a leading research institute, think-tank, and lobbyist on democracy in Palestine. The funding of Phase III of the institutional agreement includes budget support (core funding) for MUWATIN, and funding of individual and joint research projects in a broad field of social sciences. Corruption was the main focus of research in the third phase of the agreement. This research included various theoretical, comparative and methodological aspects of corruption, as well as corruption in the specific Palestinian context of state-building and democratisation. The agreement also included research on political Islam.
Centre for Applied Legal Studies (CALS), University of Witwatersrand
The Centre for Applied Legal Studies (CALS) is a civil society organisation based at the School of Law at the University of the Witwatersrand. CALS is also a law clinic and practices human rights law and social justice work.
Centre for Civil Society, University of Natal
The Centre for Civil Society was established at the University of KwaZulu-Natal in July 2001. The centre's objective is to advance socio-economic and environmental justice by developing critical knowledge about, for and in dialogue with civil society through teaching, research and publishing.
Centre for Policy Studies, Johannesburg
The Centre for Policy Studies (CPS) was originally established in the Business School of the University of the Witwatersrand in 1987. It provides analyses of various policy challenges, facilitates cooperative research processes and builds research partnerships and networks.
Institute for Global Dialogue, Johannesburg
The Institute for Global Dialogue (IGD) is an independent South African-based foreign policy think tank dedicated to the analysis of, and dialogue on the evolving international political and economic environment and the role of Africa and South Africa.
School of Government (SoG), University of the Western Cape
The School of Government provides professional and academic training for the public sector at national, provincial and local levels, for NGOs, trade unions and other related organisations, and also engages in research, consultancy and policy advice.
University of Juba
The University of Juba is a leading educational centre of excellence that is committed to national economic empowerment and social transformation through provision of quality education, pursuit of relevant research, promotion of innovation, facilitation of technology transfer, revival of national cultural heritage, protection of environment, and service to community.
Social Scientists' Association (SSA)
The Social Scientists' Association (SSA) is an organization focusing on how social change affects the multiple realities faced by communities in Sri Lanka and South Asia. The SSA promotes knowledge that informs interventions aimed at achieving social emancipation for marginalized communities.
Economic and Social Research Foundation (ESRF)
The Economic and Social Research Foundation was established in 1994 as an independent, non-profit institution for research and policy analysis. Its primary objectives are to strengthen capabilities in policy analysis and development management and to enhance the understanding of policy options in the government, the public sector, civil society, and the donor community and the growing private sector.
Mzumbe University, Dar Es Salaam
Mzumbe University Dar es Salaam Campus College (MDCC) was established in 2005 as an extension Campus of Mzumbe University.
International Centre for Tax and Development (ICTD)
The International Centre for Tax and Development (ICTD) is a global policy research network, devoted to improving the quality of tax policy and administration in developing countries, with a special focus on sub-Saharan Africa.
Overseas Development Institute (ODI)
ODI is an independent, global think tank, working for a sustainable and peaceful world in which every person thrives.
Our vision is a sustainable and peaceful world in which every person thrives.
We harness the power of evidence and ideas through research and partnership to confront challenges, develop solutions and create change.

subset: commoncrawl


text:
Hot Springs, AR (Sports Network) - Third in Monday's Southwest Stakes, Heaven's Runway is now being pointed to the $1 million Arkansas Derby at Oaklawn Park on April 13. The 3-year-old colt is trained by Joe Martin for owners Dr. K.K. Jayaraman and wife Dr. Devi Jayaraman.
"The Doc seems to be really planning on going straight to the Arkansas Derby," said Martin. "I know he would need points, but right now he seems pretty convinced. We'd have to win the Arkansas Derby, I know, but Doc seems pretty sure this is what he wants to do."
Sent off at better than 59-1, Heaven's Runway was racing in the group right behind the front-running and eventual Southwest winner Super Ninety Nine. The third-place finish in the slop was worth $30,000 and three points toward the Kentucky Derby.
Bred in Kentucky by his owners, the colt won the Fitz Dixon Jr. Memorial at Presque Isle Downs for his second victory as a 2-year-old. He was seventh in both the Iroquois at Churchill Downs and Delta Downs Jackpot. The colt came in fourth last month at Delta Downs in the Big Drama Stakes.
"He's doing good and we're so happy with the way he ran (Monday)," said Martin. "It's always great to run like that and show up at big odds. This colt, when he won the Presque Isle race, he was a big price (16-1) and I won that race last year with another horse (Big Wednesday, 22-1) also at a big price. So I know strange things can happen in races like that. And that mud can change a lot of stuff."
In eight career starts, Heaven's Runway has two wins for $147,748.


text:
If San Diego Gas & Electric wins state approval to form a holding company and become a diversified company, its identity as a local gas and electric company will slowly start to change.
Its role model for diversification may be PacifiCorp, the utility based in Portland, Ore., that, even before it changed its name last year from Pacific Power & Light Co., was involved in a lot more than power and light.
The company began diversifying during the 1950s, buying coal fields in a handful of Western states. Later, the utility bought a small telecommunications company.
Last year, 43% of PacifiCorp's $1.8 billion in revenue came from a diversified base that included cable television, telecommunications, financial services and coal fields. PacifiCorp, which operates coal and hydroelectric generation stations in four states, distributes electricity to 670,000 customers in six northwestern states.


text:
The Max by Marquismontes image series is featured in the latest instalment of Frische magazine. The Dulcedo models face shows off his edgy body art while posing for the visionary photographer's lens.
Wardrobe stylist Ve Goguen collaborates with Philippe Durocher-McBrearty to dress Max in edgy menswear pieces that are both daring and youthful. From sporty casuals and baseball cap headpieces to vigilante-inspired ski-mask accessories, this unconventional editorial challenges traditional style ideals and dares to make a lasting visual impression on Frische magazine readers.
The Max by Marquismontes image series highlights the model's intricate tattoos that range from rock band logos to lifelike animal depictions. The body art is highlighted to complement the model's long and beachy locks courtesy of hair and makeup expert Sarah Leflochmoen at Gloss.
Inked Androgyny Editorials
More Stats +/-
MOD Androgyny Editorials
Effortless Androgynous Fashion
Nouveau Androgyny Editorials
Sleek '80s Editorials
Undefined Androgyny Editorials
The Max by Marquismontes Image Series Exudes an Edgy Air
- By: Jana PijakJul 4, 2013
References: frischemagazine & malemodelscene.net
References: frischemagazine & malemodelscene.net


text:
2017 Good Old Fashioned Bluegrass Festival Main Stage Band Application — Due On December 31, 2016
* Deadline for Band Applications*
Deadline for Band Applications for the 2017 GOF is "December 31st, 2016″
It's that time again! Any band interested in performing at the 2017 Good Old Fashioned Bluegrass Festival (the Bands will perform August 11th,12th, 13th ) needs to submit the following materials and information by December 31st, 2016 to:
C/o Penny Godlis
481 N Santa Cruz Ave. #242
Los Gatos, CA 95030-5300
Band Recording: Ideally the recording (CD or cassette) please no DVD's, should have at least five songs and represent the current membership and performance style of the band. It doesn't have to be quality- just clear enough for the band committee to make a good and fair evaluation.
Band Photo: Prior to the festival we feature photos of performing bands both in this magazine and in promotional materials. Please submit a photo of your current band that you'd like to see in publication (and indicate who is who on the back of the photo). Avoid dark photos that don't scan very well. Photo size is not that important.
Band Description: Pretend you're a reporter for this magazine who is doing an article on your Band , and write a few paragraphs describing your group. Some important information you might provide in your description includes:
. Names of band members and instruments they play, vocals (leads or harmonies.)
. Style of music you play (traditional bluegrass, old timey, contemporary, originals, etc.)
. Brief biographical "story" of each member
. History of your band
. How you came up with your band name
. Recordings you've done (don't worry, most bands at GOF haven't recorded yet)
. Interesting places at which you've performed
. Regular gigs you'd like readers to know about
Both the GOF committee and this magazine will use these materials to help promote the festival and your band. We aren't expecting fancy layouts or custom-printed materials – a simple letter is just fine.
- Contact Person: We need the name, phone number, mailing address (and ideally e-mail address)
of the band's "agent" or key contact person.
- When you can Perform: Please let us know which days your band can perform at the festival.
Please check all that apply:
___ Friday August 11th (music from 3 pm – 10 pm)
___ Saturday August12th (music from 10 am – 10 pm)
___ Sunday August13th (music from 9 am – 5:00 pm)
Remember the music begins at 3:00 pm on Friday.
The more flexible your band is for scheduling the greater your chance of being booked.
Some frequently asked questions:
Can our band use previously submitted or published materials?
All bands MUST submit a recording, photo, and band description, BUT you can certainly use previous tapes, photos, and band descriptions if they accurately reflect your current band membership, performance level, and information. We'd prefer a new set of materials though, since last year's band applications/press kits may not be complete anymore. Please call Penny Godlis (831-423-2154 home phone) or (408-234-7641 Cell Phone) if you have any questions. Or email me at (email@example.com) pennyag44 (at) gmail (dot) com
Are New Bands Welcome?
Definitely! The band committee is always looking for new bands to feature at the festival. The GOF was started mainly to give up-and-coming local bands a venue to perform for a larger bluegrass audience.
We're an established local band and have played at GOF several times–do we still need to send in an application?
YES! To be fair to everyone, all bands need to apply by the deadline to be considered by the festival committee. If all of the Band members are the same and you wish to use a previous year's band packet, please call or e-mail Penny Godlis before the deadline.
If you have any questions about the band application process, please contact Penny Godlis at (831-423-2154 Home phone) or (408-234-7641 Cell phone) email (firstname.lastname@example.com) pennyag44 (at) gmail (dot) com
(Note the new e-mail address).
Late Applications:
When we receive the Band packets we work very quickly to get a lineup for publication. Bands that apply late may be put on a waiting list.


text:
i've already been up for nearly 12 hours. why? because at approximately 545 this morning, the kitten figred out how to get onto the bed all by himself. he then climbed up onto my hip and did a little triumphant happy dance. 'i found out where she goes at night!' purrig as loud as he could and just a bit louder. i evicted him and tried to get back to sleep. damn. no good. he hooked his way back up the side of the bed and proceeded to use my stomach as a trampoline.
It's actually not been SUCH a bad day. Of course, George came back after visiting his mom in kentucky and dumped a bag of library books and pile of old magazines and current newspapers on my desk, so i've stayed pretty still all day. my right knee is still thumping away, but the left knee isn't quite as bad. the temperature is down nearly 30 degrees since yesterday. i wonder if that has anything to do with it. my allergies aren't quite as oppressive either.


text: This software scans one or more docx, text or text-like files (e.g. HTML and XML files) and counts the number of occurrences of the different words or phrases (pattern matching can be used). There is no limit on the size of an input text file. The words/phrases which are found can be displayed alphabetically or by frequency. The program can be told to allow or disallow words with numerals, hyphens, apostrophes, underscores or colons, to ignore words which are short or which occur infrequently, and to ignore words (e.g., common words such as 'the') contained in a specified file. It can also be told to count only words or phrases in a specified list. Results can be written to an output file, and that file can be read into a spreadsheet program such as Excel. This program can automatically create an Excel-readable file of words/phrases vs files. It may be applied to text in French, German, Italian, Spanish and other European languages. The program supports the use of regular expressions for specifying words/phrases to count.


text:
I was intrigued by the Orient Express train back in High School due to a travelogue we were told to read for literature class. It takes you through Europe to Istanbul in Turkey, and one can't but imagine the journey and the sights to see. Giordano, a local clothing brand, had taken inspiration from the signature train journey onto their spring/summer collections.
The collection comprises simplistic and light-wash colors. Beige, sand which symbolizes earth and dust, silver, glitters, black represents the galaxy when you look out to the European sky on the train at night, digital prints and wine red stands for exoticism of the East.
I've had my eye on this trench coat, made of thin fabric and is button-less on the outside. This coat is HK$1,250.
This dress is lightly scooped around the neck and is perfect as a clean-cut summer wardrobe addition.
Silver, glitters, digital prints also appeared on light weight fabrics:
The Orient Express-inspired collection had landed in all Giordano/ladies stores, be sure to check out when you're in town!


text: You can play Gift Rush 2 free online car games at fogames. It has tags: Skill,Physics,. It has 1050 total plays and has been rated 93.5% (82 like and 11 dislike), find the fun and happy day. If you want to play more car games, we find some of the game: Gift Rush 2, Kingdom Rush Frontiers, Arena Rush and Kingdom Rush. To play other games, go to the skill games page, the physics games page, or just check out the new games or best games page.


text: Hi, new member here. I don't have an incredible yet, but I'm looking to purchase one as soon as my iPhone 3G contract ends on july 11th. That aside, I liked using my iPhone as my music player. Seeing as how the HTC incredible does not come with a pair of earphones or headset, I was wondering if this was compatible with it. Amazon.com: Ultimate Ears SuperFi 5vi Noise Isolating Earphones w/ Microphone: Electronics As in using it as a headset, pushing the button to answer/end a call, pushing the button to start up the music player then play/pause/forward/rewind. I want it to generally function the same as Apple's provided headset. If it is compatible, are there cheaper options? These are actually on a deal, they usually cost more than 100$, but atm they are 60$. I'm no audiophile (I mean, come on, Apple's mp3 player outputs are crap) , but I can tell if a pair of headphones are crappy like if it's drowned out sound.


text:
Antiek van der Stappen is one the best known wholesale dealers in the Netherlands. Over 3500 m² antiques, several warehouses with thousands of small items like chandeliers, statues, bronzes, clocks, ... Peter van der Stappen runs this business with his sister for over 30 years now. We buy and sell various styles: Napoleon III , Louis XV, Louis XVI, Renaissance, Art , … from the 17th, 18th, 19th and 20th Century.
Complete container facilities and experience for over 30 years are available. Already exporting to the USA, Australia and Asia. Ask us for references.


text:
What we're up to
On my birthday, my dad (Opa) and I went to the Marriott at Ko'Olina, a lovely resort on the Leeward side of Oahu, not too far from our house.
He was impressed by the freshness of the pineapple and papaya. Well yes, this IS Hawai'i.
This restaurant is fun because not only do you eat on the lanai with a view of the pool and then the ocean spread in front of you, but they also have two decorative pools, one with rays (or skates, I don't know the difference) and one with sharks!!
After lunch, we walked around and took in the views.
Yesterday, we visited Sea Life Park, which is passable except that because of it's small size, you can get up close and personal, plus, our military rate made general admission very affordable. We got to pet a baby turtle which the kids thought was very cool. The staff appear to be mostly students from the Oceanic Institute next door, so they were very enthusiastic and knowledgeable. We drove there past Sandy Beach, the Blowhole, Makapu'u Lighthouse (scene of the most complained hike) and then took the long, scenic, way home on the Windward side of the island, (at least up to H3 if you know the area) via Dave's Ice Cream who's Coconut Macadamia Nut and Chocolate Macadamia Nut ice creams are now deemed Best Ever!. The dramatic mountainsides impressed Opa as well.
In addition to touristy stuff, we've also fixed some sprinklers, hung Christmas lights and shored up the big furniture so the TV and components can live there instead of on the floor where they've been since we unpacked. More touristy stuff is planned for next week after the torrential rains predicted for the next two days pass.


text:
East Citrus Community Center
At The Center...
October 5th at 11:30 a.m.
- Topic is: "Open Enrollment"
Arnold Virgillio of Virgillio Insurance Agency
October 6th at 11:30 a.m.
- Topic is: "Home Care, How Can We Help?"
Phyllis Rims of Omni Home Care
October 11th at 11:30 a.m.
- Topic is: "Infection Control"
Mederi Caretenders
October 13th at 11:30 a.m.
- Topic is: "Healthy Eating: Calcium"
Nutritional Education by Stephanie Clamer of Citrus County Extension Office
October 27th at 11:30 a.m.
- Topic is: "Medicare Annual Enrollment"
Karen Counts of Atlas Insurance
Would you like to Volunteer? We need volunteers for:
- Activity Assistants
- Center Assistants
- Class Instructors
- Entertainers
- Meal Delivery Drivers


text:
Individual panel for use on the wall of your garage. Great for when you need to keep from dinging the edge of your car door against the wall of your garage when entering or exiting your vehicle at home. 10″ x 30″ length.
**Shipping within the continental United States is included. For shipping costs to Alaska, Hawaii, and other areas outside of the U.S., please contact us.


text:
They did it the hard way, coming from behind to beat Northampton Town 2-1 at Sixfields yesterday.
But no Sheffield United fan will be complaining about that, after the result secured promotion to the Championship for Chris Wilder and his men.
Marc Richards put the hosts ahead with a superb finish on the stroke of half time, but second-half goals from Leon Clarke and John Fleck sent United fans into dreamland.
READ: James Shield's match report from Sixfields
Wilder dedicated the victory to United's supporters, who have stuck by them throughout the club's six-season stint in League One and roared them onto victory at his former club yesterday.
"The support we've received week in, week out, home and away, has been absolutely unbelievable," he said.


text:
Call For An Appointment:
Looking for Dental Sealants?
Dental sealants create an invisible plastic shield over the chewing surfaces of your teeth and help to prevent tooth decay. Sealants are typically recommended for children and teens, but they can be highly beneficial for adults as well.
Sealants are usually applied to the molars and premolars at the back of the mouth. The process for getting sealants is simple and painless. First the teeth to be sealed are cleaned and dried. Then teeth are primed to assist with the sealant bonding process. Afterwards the sealant itself is painted onto each tooth and cured with a light which helps it to harden. It typically only takes a few minutes for a dentist or dental hygienist to seal a single tooth.
Family Dental Care You Can Count On
At Lifetime Smiles we are committed to keeping your family cavity-free. Dr. Arzegar is a member of the Texas Dental Association and the American Academy of Pediatric Dentistry. He enjoys working with children of all ages and can help you to develop a dental plan that's right for your family.
Contact Us Today
Dental sealants are a great way of preventing dental caries and keeping your smile healthy for years to come. To learn more about sealants or to make an appointment, contact Lifetime Smiles today.


text:
I recently got a new cream finish green nail polish from Zoya in the color Josie and tried the polish out. The opacity is great and it has hardly chipped since I've first put it on nearly a week ago. Black Friday shopping I happened to stop by Sephora and checked out the new Formula X nail polishes and well and tried out one of their Xplosives Top Coats in the color Bionic. It has light green and black confetti in pieces of varying sizes and gives a really cool paint splatter sort of effect. Later I added black french tips to my pointer fingers using Black Out by Sally Hansen (Hard as Nails Xtreme Wear formula) and topped off my nails with Sally Hansen's Diamond Strength topcoat in Flawless.
|Formula X-Bionic


text:
The sandboxed solution is safer for the farm
Why is it safer? Because it has restrictions "what can be done"
Here are restrictions and suggestions if you discover that the restriction is critical to you:
1. Scope - Site Collection. A sandboxed solution can reach the resources within the site collection.
If you want to reach data out of the site collection scope - choose the different type of the solution (Farm, BIN, Hybrid)
2. A code can't use SPSecurity.RunWithElevatedPriviliges
Consider carefully whether elevated permission are really necessary.
3. Logging is unavaliable
To get logging functionality - use a full-trust proxy from patterns and practices SharePoint Guidance Library
4. Configuration settings handling is restricted:
You can't read\write from\to web.config file.
You can't store\retrieve settings from the hierarchical object store and property bag
You can use SPWeb.AllProperties, a list to store settings
5. The deployment any files to the file server is not permitted.
Use a Module element to deploy your files to the content database. Keep in the mind that you still have to specify the type="Ghostable" or "GhostableInLibrary" (SharePoint– Ghostable and GhostableInLibrary)
6. Sandbox worker processes are terminated if they run for more than 30 seconds.
Deploy a workflow action that you access through SPD WF, a timer job , or a service application using a farm solution. This suggestion implies the Hybrid solution ( one is a sandboxed, another is a farm solution with a proxy to serve a sandboxed requests).
Through using Silverlight\ Ajax application a developer will overcome some of the limitations of the Sandboxed solutions such as:
- call an external service;
- access data across the site collection boundaries;
- reach more advanced capabilities of SharePoint (ex. the user profile service)
*The source of inspiration is Designing Solutions for Microsoft SharePoint 2010: Making the right architecture and implementation decisions (Patterns & Practices)


text:
Message from Bob Bennett
Dawn Netsch was an original. She was, of course, a successful politician, but she did not let politics stand in the way of strong passions and unusual tastes and habits. So she never learned to drive a car, but she was mighty good with a pool cue. The unique house in which she lived was the creation of her architect husband Walter, but over time Dawn became thoroughly devoted to it, and to the art that adorned its walls (if that is the right word for the sides of the passageways that led one to various portions of the house).
Her devotion to the White Sox is well-known, but no one mistook that passion for a politician's attempt to curry favor with constituents. For one thing she paid little homage to the Cubs, even though Cubs fans were at least as likely as Sox fans to have a voting say in the public offices for which she ran. For another, Dawn's White Sox fandom was anything but lip service. She had season's tickets and attended many a game. Less well-known probably is Dawn's passion for liverwurst. And then there was the crushing schedule she maintained, not only for political and public events but for teaching at Northwestern Law School whenever that could possibly be made consistent with the legislative and executive positions she held in Illinois. In more recent years that teaching was of State and Local Government Law, using the casebook of which she was co-editor. And she even found time to co-chair the school's strategic planning process after her unsuccessful run for Governor and the end of her term as State Comptroller.
Unlike many a political figure, it was surely concern about issues in the public sphere that motivated Dawn's pursuit of public office, rather than the other way around. Indeed it was her sticktuitiveness on the public issues about which she cared that was especially impressive. There was a range of such subjects, from racial equality to ethics in government, but I remember many a conversation over the years about merit selection of judges, about which Dawn cared deeply. Her work for merit selection continued long after she had left public office, and despite the fact that the battle for merit selection remained (and remains) a decidedly uphill one in Illinois.
In more recent years, often with a liverwurst sandwich in tow, Dawn would show up for informal lunches that are a regular feature in the law school's faculty lounge. Strongly held views are hardly unusual in that setting, but Dawn was often in the lead, defining the issues and making no bones about where she stood on them. She certainly understood disagreement, but she seldom softened her views in the way one might expect from someone schooled in politics. That candid and devoted Dawn Netsch, the "original," will be sorely missed, by so many and varied people and communities to which she devoted her seemingly endless store of energy.
— Bob Bennett


text:
Photos of Everything You Could Ever Possibly Want to Know About The Chanel Spring 2013 Runway Show
The only thing missing here is a good snapshot of the random dog that was running around on the runway before the show. (He was moving too fast for me to nab him!)
(Fortunately Anne Christensen managed to take a photo of the cute little pooch. See?)
Now, since I know you can flip through all the runway photos on Style.com if you want to, I thought I'd turn my camera (or in this case, my iPhone) everywhere else so you can get a real sense of what it'd be like if you went to this morning's Chanel spring 2013 show!
Starting with the venue, the Grand Palais, the insanely gorgeous Beaux-Arts venue where the Chanel show is almost always staged. This is the view you get when you pull up in a taxi or hoof in heels from the metro:
This is the crowd you see, pushing (but not quite shoving—Chanel fans are polite) to get in the door:
This is the entrance (complete with a speedy security gate) that you go through to enter the impressively huge, airy space:
This is the table piled high with Chanel bags that greets you...
...and the lovely, smiling girl who hands you a bag (which holds a bottle of Coco Noir perfume), thus earning her your eternal gratefulness.
These are the wind turbines—yes, wind turbines—that you see, standing tall over the runway:
This is *the *runway you have to walk over to get your seat:
This is the cobalt blue runway (and your Stella McCartney polka-dot pumps) that borrow inspiration from shimmering solar panels:
This is your neighbor. And that's the folder that sits on every seat:
This is what's* in* the folder (Karl Lagerfeld-photographed snaps of the spring collection):
This is the view you have when you look up above...
...and when you look down below, at the row in front of you:
These are some of the gorgeous French models and actresses who sit across the runway from you, who somehow manage to contain their enthusiasm—whereas you have to try to stifle a smile the whole time. (Kanye West, Jennifer Lopez *and *her daughter Emme are also in the front row somewhere, but you unfortunately aren't able to spot them in the massive paparazzi swarm.)
This is what it looks like when someone scurries in late after lingering too long over their cappuccino and winds up being only person on the very quiet runway for ten seconds before the show starts:
And (cue drumroll) these are the first Chanel looks!
The wind turbines, the solar panel and their green-minded references may have come as a surprise at first (this coming from a designer who plopped imported icebergs on the runway, a few seasons back) but it quickly becomes clear that Karl was thinking sun-filled fun—and perhaps having a little joke on everyone as it turns out the biggest source of sustainable energy is Karl Lagerfeld, *himself.*The 79-year-old designer proved yet again, that he has more intensity, wit, creativity and drive than ten designers, half his age. He super-sized pearls —
a Chanel signature —and used them as polka-dots to adorn dresses and buried them in models' half-knots.
He set the mood for summertime fun with a one-piece swimming costume covered in a big interlocking-C motif, and accented with—wait for it—a bag with hula hoop handles. (Mull on that for a minute, as it's maybe the biggest beachbag ever invented. Karl even posed with the oversized tote before the show. You must, you must see this. It will be burned in your brain forever.)
Moving on then. Karl made pint-size versions of this whimsical purse too, while also piling on the pearls elsewhere...
...whipping up cabana-stripe wedges and extremely wide brim hats that were no doubt fashioned out of UV-protected plastic—so the daring beach goer could take her sun protection, wherever she waltzes off to!
For the warm weather months, Lagerfeld whipped up a series of abbreviated yet wearable looks including cocoon-shaped knit skirt suits, breezy tweedy shift dresses and swishy bell-shaped skirts...
...followed by a handful of serious, red carpet-ready gowns. (This pilgrim look was my personal favorite. What's cooler than wearing full sleeves and skirt at the peak of summer, snobbily ignoring the heat? After all, it was Coco Chanel who once said, "Elegance is refusal.")
The final group of strapless dresses were festooned with sequin floral blooms—the embellishment was so rich and full, it made a noise like the crumpling of wrapping paper, when the models walked down the runway.
Following the spectacular, Karl Lagerfeld emerged from backstage, leading the gaggle of 65 models behind him, just like the sort of hyper-stylish, septuagenarian Pied Piper he is. (That's him, the itty-bitty figure on the left.)
After the music stopped, the crowds made a mad dash to exit —while I hurried to make sure I got all the snaps for you lovely ladies!
Phew! Now that is a good way to start your morning (whether in-person or with photos), right? Which of these Chanel spring 2013 show snaps surprised you the most?! Which accessory are you going to go to bed dreaming about tonight?
P.S. If big crowds freak you out, you'll be happy to see that this is fire extinguisher that's tucked quietly in the corner, just in case.
More Chanel chit-chat:
Musician Sophie Auster takes us behind the scenes on her FIRST Chanel couture show!
Come obsess over the pretty hair accessories at the Chanel couture show


text:
/ˈwändərˌləst/ Noun A strong desire to travel: "a man consumed by wanderlust".
How amazing are these Wanderlust cuffs by Bing Bang NYC? Made out of pure brass or a brass and silver plate, they are ideal for stacking and a perfect accessory for summer.
Grab them for $90 here.
*Sidenote: I know, I know. It's "Book em, Danno."


text:
With population growth, the demand for water is growing exponentially while climate change is making rainfall more erratic and less predictable. Current water management policies are outdated and struggle to address these challenges. If the policy status quo persists, water scarcity will proliferate across new regions of the world and intensify in areas where water is already scarce.
European countries consume less energy compared with 10 years ago, mainly due to energy efficiency gains. Europe also relies less on fossil fuels due to energy savings and the faster-than-expected uptake of renewable energy. In the decade 2005-2015, the share of renewables in the EU's energy consumption nearly doubled, from 9 % to almost 17 %. Some sectors and countries are leading the way towards clean energy. Despite their declining share of the market, however, fossil fuels continue to be the dominant energy source in Europe.
For more information click here.


text:
DRAPER — A Pleasant Grove woman has been charged with theft after allegedly calling in a bogus robbery in order to steal cash from her employer.
Destiny Adams, 27, called police on Dec. 8 claiming she had been robbed at knife point during her shift at Blockbuster Videos, 1265 E. Draper Parkway, by a man who took a bag of money, according to charges filed Friday in 3rd District Court.
A Blockbuster manager responding to the store said a total of $878 was missing.
Because Blockbuster's internal security system wasn't working, police reviewed security footage from neighboring businesses, which did not reveal a suspect entering the store, charging documents state.
Adams later told police she faked the robbery because she needed money, and that she had kept store deposits instead of taking them to the bank, according to the charges.
Blockbuster's operations manager told police Adams was the subject of an internal investigation, which had revealed through receipts, bank records and alarm company logs that the employee had been stealing from the company for years, including $6,155 in missing deposits between Oct. 1 and Dec. 31, 2012, charges state.
Adams was charged with theft, a second-degree felony.


text:
Keeping Your Website Secured and Protected
Lyquid Agency works hard to provide the secure websites. We offer powerful account login security, Captcha (security word verification) on most lead capture forms, script blocking, bad query restrictions, integrated login access, and much more with every website we provide.
While it is impossible to guarantee any website impenetrable from online hackers, we always work hard to continually protect your website from unauthorized access.
As a base, we include a heavy amount of strong security measures. To take your protection further, we offer several additional security protection options as well as out Piece of Mind Assurance Plan as a stellar disaster preventative service that you can add to your account at any time. This additional feature makes a full backup of your website either weekly or monthly. If by chance your website is ever hacked and destroyed, we simply will refer and configure your website according to the most recent backup, making your loss of data minimal and stress free. For more information, you may speak with your Site Manager, our Support Team or simply add this feature from within your Client Account.
*** The two most common problems that any website encounters online are providing your password to others and phishing attacks via web forms located on a website. You will know immediately if an email you receive from your website is suspicious or not. Captcha does a great deal to deter and put a stop to computer programs crawling the Internet seeking out contact forms, however, humans have taken over this task by physically submitting phishing attack scripts via website forms.
Never click on ANY links you receive via email from your website. Especially, if the email looks suspicious. If you are unsure whether or not you have received a dangerous email, you may always forward the email to our Support Team with a note asking to verify the safety of the links. ***


text:
Welcome back today! I am sharing a process video I put together using the Live Your Day cards in an alternative way, showing the versatility of pocket cards!
Here is my video...if it inspired you, please leave a comment, like and subscribe!
Also, If I sell 5 of these card sets this weekend I will choose one random winner (of those who purchased) to receive a $25 gift certificate to my online store!
Happy Scrapping,


text:
Psychological abuse, also referred to as emotional abuse, is a form of abuse characterized by a person subjecting or exposing another to behavior that is psychologically harmful[citation needed]. Such abuse is often associated with situations of power imbalance, such as abusive relationships, bullying, child abuse and in the workplace.
As of 1996,[1] there were "no consensus views about the definition of emotional abuse". As such, clinicians and researchers have offered sometimes divergent definitions of emotional abuse. However, the widely-used Conflict Tactics Scale measures roughly 20 distinct acts of "psychological aggression" in three different categories: Verbal aggression (e.g., "Your partner has said something to upset/annoy you"); dominant behaviors (e.g., "I have tried to prevent my partner from seeing/speaking to their family"); and jealous behaviors (e.g., "Your partner has accused you of maintaining other parallel relations").
The U.S. Department of Justice defines emotionally abusive traits as including causing fear by intimidation, threatening physical harm to self, partner, children, or partner's family or friends, destruction of pets and property, forcing isolation from family, friends, or school or work.[2]
In 1996, Health Canada argues that emotional abuse is motivated by urges for "power and discontrol",[3] and defines emotional abuse as including rejecting, degrading, terrorizing, isolating, corrupting/exploiting and "denying emotional responsiveness" as characteristic of emotional abuse.
Andrew Vachss, an author, attorney and former sex crimes investigator, defines emotional abuse as "the systematic diminishment of another. It may be intentional or subconscious (or both), but it is always a course of conduct, not a single event."[4]
Subtler emotionally abusive tactics include insults, ME TOOOOOOputdowns, arbitrary and unpredictable inconsistency, and gaslighting (the denial that previous abusive incidents occurred). Modern technology has led to new forms of abuse, by text messaging and online cyber-bullying.
Several studies have argued that, unlike physical and sexual maltreatment, an isolated incident does not constitute emotional abuse. Tomison and Tucci write, "emotional abuse is characterised by a climate or pattern of behaviour(s) occurring over time [...] Thus, 'sustained' and 'repetitive' are the crucial components of any definition of emotional abuse."[5]
Domestic abuse—defined as chronic mistreatment in marriage, families, dating and other intimate relationships —- can include emotionally abusive behavior. Psychological abuse does not always lead to physical abuse, but physical abuse in domestic relationships is nearly always preceded and accompanied by psychological abuse.[6] Murphy and O'Leary[7] report that psychological aggression by one partner is the most reliable predictor of the other partner's likelihood of first exhibiting physical aggression.
A 2005 study by Hamel[8] reports that "men and women physically and emotionally abuse each other at equal rates". Basile[9] found that psychological aggression was effectively bidirectional in cases where heterosexual and homosexual couples went to court for domestic disturbances. A 2007 study of Spanish college students (n = 1,886) aged 18–27 [10] found that psychological aggression (as measured by the Conflict Tactics Scale) is so pervasive in dating relationships that it can be regarded as a normalized element of dating, and that women are substantially more likely to exhibit psychological aggression. Similar findings have been reported in other studies.[11] Strauss et al.[12] found that female intimate partners in heterosexual relationships were more likely than males to use psychological aggression, including threats to hit or throw an object. A study of young adults (N = 721) by Giordano et al.[13] found that females in intimate heterosexual relationships were more likely than males to threaten to use a knife or gun against their partner.
Numerous studies [14][15][16][17][18][19] report that lesbian relationships have higher overall rates of interpersonal aggression (including psychological aggression/emotional abuse) than heterosexual or gay male relationships. Furthermore, women who have been involved with both men and women reported higher rates of abuse from their female partners.[20]
In 1996, the National Clearinghouse on Family Violence,[3] for Health Canada, reported that 39% of married women or common-law wives suffered emotional abuse by husbands/partners; and a 1995 survey of women 15 and over (n = 1000) 36-43% reported emotional abuse during childhood or adolescence, and 39% experienced emotional abuse in marriage/dating; this report does not address boys or men suffering emotional abuse from families or intimate partners. A BBC radio documentary on domestic abuse, including emotional maltreatment, reports that 20% of men and 30% of women have been abused by a spouse or other intimate partner.[21]
Straus and Field [22] report that psychological aggression is a pervasive trait of American families: "verbal attacks on children, like physical attacks, are so prevalent as to be just about universal". A 2008 study by English, et. al[23] found that fathers and mothers were equally likely to be verbally aggressive towards their children.
Rates of reported emotional abuse in the workplace vary, with studies showing 10%[24] 24%[25] and 36%[26] of respondents indicating persistent and substantial emotional abuse from coworkers.
Keashly and Jagatic [27] found that males and females commit "emotionally abusive behaviors" in the workplace at roughly similar rates. In a web-based survey, Namie[28] found that women were more likely to engage in workplace bullying, such as name-calling, and that the average length of abuse was 16.5 months
In their review of data from the Dunedin Multidisciplinary Health and Development Study (a longitudinal birth cohort study; n = 941) Moffitt et al.[29] report that while men exhibit more aggression overall, gender is not a reliable predictor of interpersonal aggression, including psychological aggression. The study found that whether male or female, aggressive people share a cluster of traits, including high rates of suspicion and jealousy; sudden and drastic mood swings; poor self-control; and higher than average rates of approval of violence and aggression. Moffitt et al. also argue that antisocial men exhibit two distinct types of interpersonal aggression (one against strangers, the other against intimate female partners), while antisocial women are rarely aggressive against anyone other than intimate male partners.
Male and female perpetrators of emotional and physical abuse exhibit high rates of personality disorders.[30][31][32] Rates of personality disorder in the general population are roughly 15%-20%, while roughly 80% of abusive men in court-ordered treatment programmes have personality disorders.[19]
Abusers may aim to avoid household chores or exercise total control of family finances. Abusers can be very manipulative, often recruiting friends, law officers and court officials, even the victim's family to their side, while shifting blame to the victim.[33][34]
English, et al.[35] report that children whose families are characterized by interpersonal violence, including psychological aggression and verbal aggression, may exhibit a range of serious disorders, including chronic depression, anxiety, posttraumatic stress disorder, dissociation and anger. Additionally, English et. al report that the impact of emotional abuse "did not differ significantly" from that of physical abuse. Johnson et al.[36] report that, in a survey of female patients (n = 825), 24% suffered emotional abuse, and this group experienced higher rates of gynecological problems. In their study of men emotionally abused by a wife/partner or parent (n = 116), Hines and Malley-Morrison[37] report that victims exhibit high rates of post traumatic stress disorder, drug addiction and alcoholism.
Namie's study[28] of workplace emotional abuse found that 31% of women and 21% of men who reported workplace emotional abuse exhibited three key symptoms of post-traumatic stress disorder (hypervigilance, intrusive imagery, and avoidance behaviors). A 1998 study of male college students (n = 70) by Simonelli & Ingram[38] found that men who were emotionally abused by their female partners exhibited higher rates of chronic depression than the general population.
A study of college students (N = 80) by Goldsmith and Freyd[39] report that many who have experienced emotional abuse do not characterize the mistreatment as abusive. Additionally, Goldsmith and Freyd show that these people also tend to exhibit higher than average rates of alexithymia (difficulty identifying and processing their own emotions).
Jacobson et al.[40] found that women report markedly higher rates of fear during marital conflicts. However, a rejoinder[41] argued that Jacobson's results were invalid due to men and women's drastically differing interpretations of questionnaires. Coker et al.[42] found that the effects of mental abuse were similar whether the victim was male or female. Pimlott-Kubiak and Cortina[43] found that severity and duration of abuse were the only accurate predictors of aftereffects of abuse; sex of perpetrator or victim were not reliable predictors.
Analysis of large survey (N = 25,876) by LaRoche[44] found that women abused by men were slightly more likely to seek psychological help than were men abused by women (63% vs. 62%).
In a 2007 study, Laurent, et al.,[45] report that psychological aggression in young couples (n = 47) is associated with decreased satisfaction for both partners: "psychological aggression may serve as an impediment to couples development because it reflects less mature coercive tactics and an inability to balance self/other needs effectively". A 2008 study by Walsh and Shulman[11] reports that relationship dissatisfaction for both partners is more likely to be associated with, in women, psychological aggression and, in men, with withdrawal.
Several studies found double-standards in how people tend to view emotional abuse by men versus emotional abuse by women. Follingstad et al. found that,[46] when rating hypothetical vignettes of psychological abuse in marriages, professional psychologists tend to rate male abuse of females as more serious than identical scenarios describing female abuse of males: "the stereotypical association between physical aggression and males appears to extend to an association of psychological abuse and males" (Follingstad et al., p. 446) Similarly, Sorenson and Taylor randomly surveyed a group of Los Angeles, California residents for their opinions of hypothetical vignettes of abuse in heterosexual relationships.[47] Their study found that abuse committed by women, including emotional and psychological abuse such as controlling or humiliating behavior, was typically viewed as less serious or detrimental than identical abuse committed by men. Additionally, Sorenson and Taylor found that respondents had a broader range of opinions about female perpetrators, representing a lack of clearly-defined mores when compared to responses about male perpetrators.
According to Walsh and Shluman, "The higher rates of female initiated aggression [including psychological aggression] may result, in part, from adolescents' attitudes about the unacceptability of male aggression and the relatively less negative attitudes toward female aggression".[11]
Hamel's 2007 study found that "prevailing patriarchal conception of intimate partner violence" led to a systematic reluctance to study women who psychologically and physically abuse their male partners.[48]
Dutton found that men who are emotionally or physically abused often encounter victim blaming that erroneously presumes the man either provoked or deserved the mistreatment of their female partners.[49] Similarly, domestic violence victims will often blame their own behavior, rather than the violent actions of the abuser. Victims may try continually to alter their behavior and circumstances in order to please the abuser.[50]
Feminist scholars[51] argue that hundreds or thousands of years of male dominated societies have created negative attitudes towards women among many men, and that wife abuse stems from "normal psychological and behavioral patterns of most men ... feminists seek to understand why men in general use physical force against their partners and what functions this serves for a society in a given historical context". Similarly, Dobash and Dobash[52] claim that "Men who assault their wives are actually living up to cultural prescriptions that are cherished in Western society--aggressiveness, male dominance and female subordination--and they are using physical force as a means to enforce that dominance", while Walker[53] claims that men exhibit a "socialized androcentric need for power".
While some women are aggressive and dominating to male partners the majority of abuse in heterosexual partnerships, at about 80% in the USA, is by men.[54] (Note that critics[55] stress that this Department of Justice study examines crime figures, and does not specifically address domestic abuse figures. While the categories of crime and domestic abuse may cross-over, most instances of domestic abuse are not regarded as crimes or reported to police -- critics thus argue that it's inaccurate to regard the DOJ study as a comprehensive statement on domestic abuse because compelling evidence shows that men and women tend to commit emotional and physical abuse in roughly equal rates.) A 2002 study reports that ten percent of violence in the UK, overall, is by females against males.[56] However, more recent data specifically regarding domestic abuse (including emotional abuse) report that 3 in 10 women, and 2 in 10 men, have experienced domestic abuse.[21]
Some argue that fundamentalist views of religions, which have developed in male-dominated cultures, tend to reinforce emotional abuse. These critics contend that all the major world religions historically taught the dominance of men over women, citing the Book of Genesis as an example of a text that has been used to justify men abusing women: "in sorrow thou shalt bring forth children: and thy desire shall be to thy husband, and he shall rule over thee".[33] Fundamentalist religious prohibitions against divorce make it more difficult for religious women to leave an abusive marriage: A 1980s survey of Methodist clergy found that 21% of them agreed that no amount of abuse would justify a woman's leaving her husband.[57]
Many older and some not so old children's stories contain gender stereotyping, and music videos and computer games for children and teenagers have been criticised for continuing to portray men as aggressive and in control, while the females are there only for their sexual allure; women are portrayed as wanting to be chased and caught when they run away.[33]
Critics[33] argue that legal systems have in the past endorsed these traditions of male domination and it is only in recent years that abusers have begun to be punished for their behaviour. However, rebuttals note that some laws in past centuries have specifically prohibited punitive wife-beating.[58]
While recognizing that feminist researchers have done valuable work and highlighted neglected topics[59]critics suggest that the male cultural domination hypothesis for abuse is untenable as a generalized explanation for numerous reasons:


text: Since Basin reported a whopping ONE inch out of this storm today, it looks like a day for the skinning today/tomorrow on the FR. Any worthwhile spots? (There's no epic skiing east of Genesee so don't get all lame and protective of "secret flatland stashes") I've seen some good looking lines on the northface of green mountain, we found some good lines off the NTM quarry road, was thinking you might be able to shuttle WR from the top parking lot to the bottom via belcher, anyone done that? I bet WR will have 10-15 inch lines by this afternoon.


text:
My second deployment was to COS Garryowen in Maysan, Iraq at the end of Operation New Dawn in 2011. Over the course of the deployment, our operations transitioned from being offensive while partnered with the Iraqi Army to defensive as we retrograded and closed bases. We very rarely went into the towns and cities and quickly lost our pulse on what was going on in the world around us. Working with my S2, we came up with the idea to do google searches of people, groups, or places around us in Arabic.
We would get search page results, and then I would work with one of our translators to provide summaries of the articles for my Battalion Commander. Sure, echelons above Brigade were working on translating articles that mattered to DOD, and occasionally they would filter down to us, but we never got exactly what we wanted nor as quick as we wanted. With this method, we quickly became much more tuned into the political and enemy situation and were able to make better decisions because of this.
In five years much has changed, and Google now offers a way to automate the process I just mentioned. Google Alerts scours the internet for topics that matter to you and empowers you with open source information. You can set Google Alerts to either send you updates as the stories are published, or you can ask for less frequent updates (daily or weekly).
I recommend these things to add to your Google Alerts: your branch, your unit, your unit's equipment, your name, your boss's name, areas you are/will be deployed to, and important individuals/groups acting in the area you are deployed to. Check out the video below for a step by step guide on how to set this up.
Do you have any other suggested tips for using Google Alerts? If you have thoughts on the article you just read, please leave some comments for the group. If you'd like to continue following this blog, sign up for our newsletter or add our RSS Feed to your Feedly account to know when new content is posted .
Dan Wagner is a Captain in the Army and a MBA graduate of the Leeds School of Business at the University of Colorado Boulder.
August 2017


text:
Results 1-1 of 1 for mcat tutor mumbai
Mcat Tutors in Mumbai, India
Find Private & Affordable MCAT Tutoring in the Mumbai Area!
Neha S. Private MCAT tutor in Mumbai, India
I prepare students for Maths, Reading, GMAT, SAT, GRE . https://sites.google.com/site/ndseducationalservices Maths, Algebra, English, Geometry - SAT, ACT, GED, GMAT and GRE Test Preparation, ASWAB, General Science, Economics, Operations Management, Calculus and...
MBA in Marketing and Finance MMS in Economics Master in Economics


text:
Report of the TAC Panel on Natural Resources Conservation and Management Research
TypeInternal Document
AccessibilityOpen Access
MetadataShow full item record
Permanent link to cite or share this item: https://hdl.handle.net/10947/1158
Report of the TAC Panel on Natural Resources Conservation and Management Research, a part of the process of considering what research in this field should be supported by the CGIAR, and whether support should be given to ICRAF, IBSRAM, IFDC, and IIMI as CGIAR centers.The panel considered ICRAF separately. It recommended CGIAR adoption of ICRAF, with its mandate extended to include other aspects of forestry research being brought within the CGIAR mandate. The panel recommended against support to IBSRAM and IFDC. A favorable recommendation on IIMI, because irrigation required a multidisciplinary approach with a certain mix of disciplines, contained caveats concerning a focus on poverty alleviation, emphasis on thematic research, and limitation of the proportion of effort spent on technical advice.Agenda document, TAC 51 and 52.


text:
Con Edison has been named winner of the 2014 Outstanding System Reliability Award by PA Consulting Group. The award recognizes the PA Consulting Group ReliabilityOne™ regional award recipient that demonstrated superior annual system-wide reliability performance for its customers. Con Edison was also named best in the Northeast Region.
"Our top priority is meeting the energy requirements of New Yorkers safely and reliably," said Robert Schimmenti, Con Edison senior vice president, Electric Operations. "Earning national recognition is a tribute to the Con Edison women and men who deliver electricity to the world's greatest city, as well as to nearby Westchester County. This honor is a testament to their efforts, and I'm proud to accept this award on their behalf."
Con Edison is in the middle of its four-year $1-billion storm hardening program in the wake of 2012's Superstorm Sandy. Some of the investments already have paid dividends, including the installation of 3,000 devices that isolate and clear temporary faults on overhead electric systems, and more than 150 "smart switches" that minimize outages caused by fallen trees. Over a mile of flood walls and 260 pieces of submersible equipment also have been installed.
All utilities operating electric delivery networks in North America are eligible for consideration for the ReliabilityOne™ Award. There are a total of five regional awards including Northeast, Mid-Atlantic, Midwest, Plains, and West. After provisional recipients are selected, each company undergoes an on-site certification process, which provides an independent review and confirmation of the policies, processes and systems used to collect, analyze and report a company's reliability results.
"Utilities are on the doorstep of a technological leap that will set new expectations for how companies handle reliability, and really, all aspects of their business," said Jeff Lewis, PA's ReliabilityOne™ program director. "Con Edison has shown a commitment to reliability that will serve as a cornerstone for its customers as new advances are adopted to further improve response and restoration time."


text:
Ever wonder what funnyman Jamie Kennedy was like as a baby? Well now fans can get a glimpse of what his alter-ego Kyle would act like in an upcoming episode of Nickelodeon's Fanboy & Chum Chum, titled "Crib Notes."
VIDEO exclusive: Josh Duhamel shows his inner geek on Fanboy & Chum ChumIn the clip below, Kyle, voiced by Kennedy, tries to cheat his way back into his old school, Milkweed Academy, but the pre-teen wizard's magic goes awry when his spell for "crib notes" turns him into a baby. His friends Fanboy and Chum Chum have a ball playing with the toddler at his expense.New episodes of Fanboy & Chum Chum premiere every day next week beginning Monday at 11a.m./ET on Nickelodeon.


text:
In my opinion, Credit Acceptance has excellent execution across all areas of its operations:
- Creating value for dealerships.
- Servicing loans efficiently and keeping costs low.
- Learning how to underwrite well across a wide range of situations.
- Being disciplined in underwriting.
Very few companies do all four of these things well.
Benefits for dealers
Dealers can outsource underwriting and servicing (mostly)
The design of Credit Acceptance's program is such that the dealer can focus on selling cars rather than worrying about underwriting and servicing loans. In practice, the dealer still has to put in a lot of work. They have to understand Credit Acceptance's stipulations (stips) and they have to understand how to structure profitable loans with Credit Acceptance.
One of the major changes that a dealer has to make is to ensure a suitable inventory of vehicles for subprime buyers. The dealer has to buy cheap vehicles (in the $3000-$6000+ range) and sell them at very high markups. The mileage on these vehicles cannot be too high. The end goal is:
- High markups.
- A vehicle that the lender likes.
- Monthly payments that the buyer can afford. The vehicles cannot be too expensive.
By structuring the deal in this manner, the dealer can generate an immediate cash profit on the sale of the vehicle due to the advance from Credit Acceptance. On top of that, there is a future profit on the back-end as Credit Acceptance collects on the loan. Credit Acceptance's underwriting risk is reasonable because the dealer pays fixed fees to be on the program, the dealer has some skin in the game, and because shortfalls in collections come out of the dealer's holdback on the loan pool.
Guaranteed credit approval
According to the website insider-car-buying-tips.com (here and here), Credit Acceptance is the easiest company to get a loan from. They offer financing across a wide range of borrower situations and more or less offer guaranteed credit approval, a feat that other lenders simply do not match.
For BHPH dealers who use Credit Acceptance's program, this is helpful because it allows them to take on customers that they might otherwise turn away because they don't understand the underwriting risks for that customer. For example, a BHPH dealer might automatically reject any buyer with more than one bankruptcy or repossession. The second benefit to BHPH dealers is that they can advertise guaranteed credit approval (where legally permitted).
For dealers who do not finance their own customers, the guaranteed credit approval is also extremely helpful. It allows them to make sales that they would otherwise be unable to make. Secondly, dealers now know that they can finance any customer who walks onto the lot. They do not have to engage in "yo-yo financing". Some dealers will allow spot delivery of a car before financing is in place. The customer will drive home to tell friends and family about his/her new purchase and develop an emotional attachment to the car. Meanwhile, the dealer is submitting loan applications to various funding sources and trying to arrange financing. If the financing falls through, the dealer will have to call the buyer and take back the car. This results in a failed sale and a customer that will likely never do business with the lot again.
Credit Acceptance's CAPS system helps dealer easily figure out deals that (A) the buyer can afford and (B) will generate profits for the dealership. As an additional benefit, loan pre-approvals are nearly instantaneous (most lenders take hours to pre-approve a loan application). The system also works during evenings and weekends when other lenders may be closed and do not process loans.
Training and support
In subprime, the buyer generally needs to pay an extremely high mark-up on the car so that the principal balance on the loan is very high. The loan-to-value of the loan is intentionally inflated (this may be unintuitive because other lenders do not like high LTV). To achieve this, the dealer can advertise inflated prices for its cars (this makes it slightly more difficult to sell to prime buyers). Or, it can advertise reasonable prices and simply tell the customer that the price needs to be marked up for the car to be financed (this is probably illegal). Or, it can have some cars without a displayed retail price. The latter allows a dealership to target both prime and subprime buyers. The difficulty with this tactic is that the salespeople have to actively pre-qualify customers to determine their creditworthiness. It is not good if a subprime customer falls in love with a car only to discover that they need to pay much higher than retail or that they cannot buy the car.
At the end of the day, dealers that cater mainly to prime buyers need to spend the time to learn and develop efficient business processes to handle the deep subprime market. Credit Acceptance tries its best to help them through their online CAPS university and marketing area managers (MAMs). Credit Acceptance provides lists of the top 25 cars being financed with Credit Acceptance to help dealers get the right inventory.
A low-cost operator
Credit Acceptance has taken many steps to try to run more efficiently and to lower its costs:
- Its call center uses a predictive dialer. The dialer can call delinquent borrowers from different telephone numbers in case they try to avoid Credit Acceptance calls. The system also (presumably) tracks good and bad times to contact a borrower.
- Credit Acceptance's IT systems allow collectors to store information about a borrower, to track collector performance, record collector's calls for quality control, check if collectors are following their script, etc. etc.
- It has experimented with offshore labour in Costa Rica and India. I believe it has given up on this.
- It has setup a reinsurance subsidiary. This is an optimization of the service contracts and GAP insurance contracts that the company resells as an optional component on its loans.
- It has automated its underwriting decisions with computer systems, allowing near-instant 24/7 pre-approval of loans.
- A subsidiary handles the remarketing of possessed vehicles to be sold at auction.
- It knows how to sue debtors to garnish their wages and go after their bank accounts.
- With experience, Credit Acceptance has understood which dealers are likely to succeed and which are likely to fail on their program. This allows them to focus their efforts on profitable, sustainable relationships.
Disadvantages of Credit Acceptance
- The fixed fees require dealers to make a substantial commitment to Credit Acceptance, making it more difficult to attract new dealerships to sign on.
- The fixed fees price Credit Acceptance out of dealerships that do not generate enough subprime buyers.
- Credit Acceptance needs to hire a team of Market Area Managements to sign up new dealers and to help existing dealers succeed on the program.
- Because Credit Acceptance insists on a high rate of return on its capital, it essentially has high prices. Some dealers realize that they operate more profitably by using competing lenders or by extending credit themselves.
- It does not have a compelling offering for customers who are somewhat risky but not deep subprime.
In practice, Credit Acceptance has a rather high attrition rate. Every year, around a quarter of their dealers will stop originating new loans.
Credit Acceptance versus other lenders
Nicholas Financial (NICK)
As a stock, Nicholas Financial has performed very well. Their impressive track record suggests that they are very good at what they do.
NICK takes hours to approve loan applications (according to its website) and rejects 85% of potential clients (according to this VIC writeup). (Their rejection rate will likely vary over time as the company raises/lowers its standards.) This is a very different style of underwriting than Credit Acceptance. Whereas Credit Acceptance tries to accurately price everything to offer guaranteed credit approval, Nicholas Financial is selective. NICK's competitive advantage seems to be in finding talented human beings who can underwrite just as well or better than a computer model. In my opinion, Credit Acceptance generates a lot more value for dealers than NICK. Dealers want all to finance all of their customers and do not want to wait hours for preapproval.
NICK's business works well when it can selectively pick off good loans. In highly competitive environments it has seen its earnings shrink despite opening more branches. While Nicholas has a good business model and has been well managed under Vosotas (who has now left the board and may very well be selling his shares), NICK seems to be at the mercy of the competitive environment. It could be the case that Credit Acceptance is less affected by competition due to superior collections and the value that it adds to dealers.
NICK is a no-frills company. It does not hire cleaning staff. Employees have to clean their own offices. According to comments at glassdoor.com, its computers are antiquated. One employee commented that there is no Internet access or "modern technology". I am surprised that this ex-software company uses little technology to make their business run more efficiently.
Consumer Portfolio Solutions (CPSS)
They have had problems in the past with poor underwriting leading to significant losses. Given CPS' extremely high debt to equity ratio (currently 13, in the same ballpark as its historical range), it is likely that CPS has loose origination standards. The issue with maintaining a very high debt-to-equity ratio is that the company will grow very quickly in favorable competitive environments. (And if it isn't growing quickly, then they are underwriting poorly.) However, it is difficult to reinvest large sums of new capital while maintaining the same underwriting quality. If the company continues to maintain high levels of leverage for extended periods of time, it is highly likely that the company is loosening its standards so that it can rapidly expand.
They seem to be sophisticated on the operations side (similar to Credit Acceptance).
Westlake Financial Services (private)
Westlake is very similar to Credit Acceptance and seems to be their most direct competitor. Some dealerships will use both. The dealer will first use Credit Acceptance's CAPS software to structure a Credit Acceptance deal. They do not use Westlake's software because Credit Acceptance approves more borrowers than Westlake. This suggests that Credit Acceptance has a deeper understanding of underwriting. After figuring out a Credit Acceptance deal that is profitable for the dealership, the dealer will then shop around for the best financing (Westlake, BHPH, etc.).
Westlake does not have fixed fees and is therefore more attractive to very small dealerships. However, Westlake has pooling/holdback agreements similar to Credit Acceptance. I believe pooling protects Westlake somewhat against dealers stuffing them with bad loans and keeping good loans for themselves.
The company may have had underwriting issues that led it to suffer losses in 2009. One article on the company states that the founder put in $90M of his own money into the company. Around that time, the company started looking around for investors. Judging from an investor presentation on the company website, it seems that the company targets a return on equity rather than return on assets. This is perhaps not the smartest thing to do from a risk management standpoint. Targeting return on equity encourages managers to hit the target by increasing leverage rather than operating performance. Targeting a set return is also not a good idea in very competitive underwriting environments. Disciplined underwriting requires a company to stop underwriting if the risk/reward is not there.
Comparing ROA to ROE, it seems that the company maintains a medium amount of leverage at around three or four times debt to equity. This suggests to me that Credit Acceptance has superior underwriting discipline. In any case, it is clear that Credit Acceptance is better managed than Westlake (which is probably the second best managed company in deep subprime).
Car-Mart (CRMT)
As mentioned in a previous post, Car-Mart has a very unique selling proposition in offering ultra-low downpayments of $99. (I believe that this offer is targeted at subprime buyers above deep subprime.) Because they finance their own deals, they can be more entrepreneurial and innovative in their underwriting. The problem with specialty lenders is that they have to protect themselves against dealers giving them only their bad loans. Many specialty lenders like Credit Acceptance will rate their dealers or only do business with good dealers. They have to be extremely careful when offering new programs because it may be exploited in ways that they did not anticipate. Because a BHPH dealer has more control over the loan origination, I think that they can be a little nimbler in spotting market opportunities. Of course, running a BHPH operation is still extremely challenging as it is difficult to find managers who are good at running a car dealership and ensuring good underwriting.
The integration between running the dealership and financing customers can create some value. A specialty finance company does not care about the value of a repeat customer while a BHPH dealer does. A specialty finance company will be more likely to repossess quickly while a BHPH dealer will work on ensuring good relationships with customers. If a BHPH dealer works with only one lender, the paperwork process is much simpler. With Credit Acceptance, 75% of all loan applications are not funded right away due to problems with the application (according to this training website).
BHPH dealers and GPS-SID
When it comes to the use of GPS and SID devices, a BHPH dealer can extract greater value out of such devices.
Some BHPH dealers secretly install a GPS device into the customer's car. (The legality of this is unclear… but some BHPH dealers do it anyways.) If the car needs to be located, it is unlikely that the buyer will remove the GPS device because they simply aren't aware of it.
Regardless of whether or not a GPS device is disclosed, a BHPH dealer can offer free oil changes and "safety checks" to its customers. After a loan is paid off, the BHPH can use the oil change as an excuse to remove the device. Recycling these units allows the dealer to lower the costs of using these devices.
A SID (starter interrupt device) provides reminders to customers about unpaid amounts and will disable the car from starting if the borrower is delinquent. A bad situation can happen if the car is disabled on a workday and the driver really needs to get to work. The borrower will likely try to disable or remove the SID. It can also be extremely frustrating for the borrower if the car is disabled when the borrower is far away from home. This can lead to an angry borrower who will not become a repeat customer. They may damage the car prior to repossession. A SID works best when it is disclosed to the buyer and the buyer understands that they should proactively work with the lender to avoid their car from being disabled. Knowing what was disclosed to the customer aids in collections efforts.
The cost-effectiveness of GPS-SID devices is unclear. If the collections team is very good at skip tracing, then a GPS is not very economic given that very few delinquent borrowers turn into very difficult repossessions where the car cannot be located. The benefit of SID is in reducing the cost of collections and hopefully reducing delinquencies (they do not really help in repossessions). However, borrowers often try to disable or remove the SID system.
Credit Acceptance does not subsidize the cost of GPS-SID units on its loans. It receives commissions every time a dealer purchases a GPS-SID device through Credit Acceptance (as disclosed in the 10-Ks).
The bottom line
It its niche, I think that Credit Acceptance is clearly better managed than its next closest competitor (Westlake).
Compared to other players in the subprime auto industry, Credit Acceptance has higher returns on capital and demonstrated growth during industry downturns (2007-2009 and 2011-present) while competitors saw their earnings shrink or go negative. I think that it is the best managed company is a very competitive and cyclical industry.
*Disclosure: Long CACC common shares.
Auto Dealer People forum
- Is anybody successfully using Credit Acceptance?
- Is anyone using Westlake for their financing? How is it working?
- Need advice on CAC
- Financing option for an independent in MA
- BHPH lots – What's your repo rate?
- Westlake Financial / looking for recent feedback
- Independent BHPH dealer who dropped CAC and is looking for alternatives
- Looking for opinions on Carvant Financial
- http://www.autodealerpeople.com/forum/topics/need-funding-a-source-for-new
- http://www.autodealerpeople.com/forum/topics/anyone-used-cac-nac-vac
- http://www.autodealerpeople.com/forum/topics/credit-acceptance-versus-westlake-any-info-from-anyone
- http://www.autodealerpeople.com/forum/topics/bhph-how-do-you-price-your-vehicles
- http://www.autodealerpeople.com/forum/topics/making-a-profit-with-westlake
- http://www.autodealerpeople.com/forum/topics/whats-your-opinionis-westlake
- http://www.autodealerpeople.com/forum/topics/what-sub-prime-companies-will-sign-brand-new-dealers – this thread has a list of different subprime financing sources.
- http://www.autodealerpeople.com/forum/topics/credit-acceptance-recent-low
800notes – This website has notes on phone numbers that originate a lot of calls. Retail customers and an employee go back and forth about cars with GPS-SID that are being serviced by Credit Acceptance.
Car buying tips for Credit Acceptance – This excellent website (mentioned earlier) explains how to game Credit Acceptance's CAPS system. The website takes affiliate commissions from Funding Way, Auto Credit Express, etc. There may be a minor bias due to the affiliate commissions.


text:
Last week Arsenal was kicked off by Bayern Munich in the first leg of the Champions League last 16. And now the story repeats. The Gunners lost 5-1 in Bavaria. The end of the match could be predicted even before the first half ending.
Arsenal had a very good start when Theo Walcott scored the first goal in 20th minute. But then everything went wrong. Laurent Koscielny was sent off on the 53rd and Lewandowski immediately equalized score with a penalty. It gave Bayern a 6-2 aggregate lead.
Then it was a real massacre. Germans placed 4 goals in 30 minutes. Now it's 10-2 on aggregate and it's the worst result of an English side in the Champions League. Arsenal hadn't such losses since November 1998. They lost with 5-0 vs Chelsea in the League Cup.
It's also one of the final matches under Wenger's lead. And that was a really embarrassing. Nobody really had a hope for a miracle, but at least Arsenal's fans expected a decent game, not a punishment.
Even Alexis Sanchez was caught laughing on the Gunners bench. Apparently, it was not the best night for gifted Chilean striker nor for Arsene Wenger too.
10-2 agg. Vidal again. 10-2. Kroenke needs to get a grip of a club in crisis. 10-2.
— Henry Winter (@henrywinter) March 7, 2017
There will be a minute silence on Twitter tomorrow morning at 10:02 where we take a moment to think of all the poor Arsenal fans out there.
— Paddy Power (@paddypower) March 7, 2017
If Arsenal fans wait until the final whistle they should miss the traffic.
— Gary Lineker (@GaryLineker) March 7, 2017
Arsenal vs. Bayern.
With Koscielny on the pitch: 102 mins, 1 goals conceded.
Without Koscielny on the pitch: 78 mins, 9 goals conceded. pic.twitter.com/ddqAwZtE3E
— Squawka Football (@Squawka) March 7, 2017
A pathetic, soul-wrenching, heart-ripping, guts-destroying, humiliating train wreck.
Go, Arsene, for God's sake.#WengerOUT #afc
— Piers Morgan (@piersmorgan) March 7, 2017
What time is it? Yep, it's ten to! ? #UCL #ARSFCB pic.twitter.com/T2lDkvivkS
— FC Bayern English (@FCBayernEN) March 7, 2017


text:
- Overall Length:8.00"
- Blade Length:3.50"
- Blade Thickness:0.13"
- Blade Material:Damascus
- Blade Style:Wharncliffe
- Blade Grind:Hollow
- Finish:Damascus
- Edge Type:Plain
- Handle Length:4.50"
- Handle Thickness:0.64"
- Handle Material:LSCF
- Color:Black
- Frame/Liner:Titanium
- Weight:3.52 oz.
- User:Right Hand, Left Hand
- Knife Type:Manual
- Opener:Flipper
- Lock Type:Liner Lock
- Brand:Corrie Schoeman
- Model:Struggle
- Country of Origin:South Africa
- Best Use:Collection
- Product Type:Knife
This Struggle knife has a double ground wharncliffe blade made from Texan Steel Damascus. File work at the blade tang provides traction for the front flipper and ball-bearings at the pivot make the action smooth and precise. The handle features lightning strike carbon fiber scales over black G-10 and filed titanium liners. Ruby and Citrine gems are set in the titanium back spacer, which also features blue anodized filework.
Pictures above are of the actual knife for sale. This knife was made in April 2015.
Corrie Schoeman has been making knives for more than 30 years and his work is timeless, both in terms of quality and aesthetics. These knives feature premium materials and each one has extremely smooth action and perfect lockup. We love the uniqueness of each piece and we think you'll love these knives too!


text:
Those of you that follow along will know that Mummy/Granny is here on her annual N.Z trip! Now that I'm Mummy myself it's nice to have my mummy being my mummy for a few weeks! She is looking after us all, fussing away! It's great!
After all these years I didn't realise she was such an ice cream fiend! She's bringing The Cherubs along on her ice cream dream! By the time she leaves I'm sure they will have turned into an ice cream!
Can you lovely readers think up a caption for this ice cream fest!
Join in over at Mammasaurus ... Go on you know you want to!


text:
Reduce Your Carbon Footprint with Eco-Friendly Online Calculators
In spite of reading up on the advantages of solar energy and understanding the true environmental impact of our reliance on fossil fuels, a common problem for people wanting to start a 'green' journey is where to begin.
Knowledge is power, so while coming up with a strategy for effectively reducing your carbon footprint is something you'll have to figure for yourself, evaluating the best place to start is something you DON'T have to do alone thanks to online energy efficiency calculators.
I've already written an "online carbon footprint calculators review" for people living in the UK, but today I'm focusing on our US readers.
Plug in the appropriate numbers through the following "green calculators" and you'll get some ideas on how you can truly reduce your family's carbon footprint:
Home Emissions Calculator
Through the U.S. Environmental Protection Agency's Home Emissions Calculator, you'll discover a ballpark estimate of your household greenhouse gas emissions. The Personal Emissions Calculator takes into account home energy use, car travel, and the possible measures you're taking to reduce your emissions in order to present you with a figure and recommendation you can use to re-evaluate your energy-using habits.
Home Energy Saver
This incredibly detailed and highly informative Home Energy Saver calculator can help you find ways to save money and energy by allowing you to enter in everything from your electric company's prices to your existing energy using habits. Once all is factored, suggestions are made regarding the best methods of going green that someone in your particular situation can utilise.
Fuel Economy Calculator
The number of cars currently on the road may only be one of countless causes of climate change, but as individuals, limiting our car use is an effective way to practice daily green living. Use this Fuel Economy Calculator to learn your current car's MPG, or when shopping around for a new vehicle.
Nature Conservancy's carbon footprint calculator
This Carbon Footprint Calculator provided by The Nature Conservancy was funded by charity. What separates this service from the rest is that it factors in dietary habits, an aspect of our carbon footprint many people don't know about or choose to ignore.
By using these eco-friendly online calculators, you can make green decisions that will benefit the planet as well as yourself!
What about you – are you aware of your carbon footprint, have you used an online calculator and what are you doing this year to reduce your impact on the environment?
Tags:If you enjoyed this post, click tags below to show posts on similar topics, or why not add a comment?
2 Comments »
Stacey says:
Thanks for sharing these great links. It's always nice to be able to give people more resources on ways to become green. We'll be sure to share them with our friends.
Mrs Green says:
@Stacey: No problem Stacey, thanks for stopping by!


text:
Dr. S.n. Luley
Doctor Detail :
Dr. S.N. Luley is a ENT, Otolaryngologist (MBBS, MS (ENT) ) in Pandey Layout, Nagpur
ENT, Otolaryngologist
Speciality Alias
Ear Nose Throat (ent) Specialist
Orange City Hospital & Research Institute, 19 Veer Sawarkar Square, Pandey Layout, Nagpur, Maharashtra - 440015
Phone No.: 07122238431.
Share your genuine experiences and reviews about the doctor!
Other ENT, Otolaryngologist in Pandey Layout, NagpurDr. Nandu Kolwadkar Dr. Nitin Deosthale Dr. A. Deshmukh Dr. M.N. Mahure
Other ENT, Otolaryngologist in NagpurDr. Ajay Sharad Deshpande (Sitabuldi) Dr. Ajay Sharad Deshpande (Dhantoli) Dr. Amar Methwani (Mahal) Dr. Avinash Deshmukh (Abhyankar Nagar) Dr. Avinash Deshmukh (Ramdaspeth)
Most Read
7 tips to Prevent Hair Loss
Losing precious scalp hair is one of the worst nightmares for any man or woman. Excessive hair lo...
10 Tips to Get Rid of Dark Circles
Simply can't get rid of dark circles under the eyes? Well, fret not;it is a common problem ...
Eating rice won't make you fat
Before assessing whether eating rice leads to weight gain, let us try to understand why do we gai...