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Category Archives: Verizon
Investing as a Couple: Getting to Yes -by John Jastremski
In a perfect world, both halves of a couple share the same investment goals and agree on the best way to try to reach them. It doesn't always work that way, though; disagreements about money are often a source of … Continue reading
Posted in 401(k), ATT, John Jastremski, PPA, Retirement Planning, Verizon Tagged Chevron, Communications Workers of America, EISP, NGC, Northrop Grumman, recsources.hewitt, resources.hewitt, Retirement, The Retirement Group, Verizon Comments Off
Reaching Retirement: Now What? -by John Jastremski
You've worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived! But with it comes the realization that you'll need to carefully manage your assets so that your retirement savings will last. Review … Continue reading
Posted in 401K.com, Estate Planning, PPA, The Retirement Group John Jastremski, Verizon, Why Investment Tagged AT&T seminar, Communications Workers of America, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, netbenefits, NGC, PG&E, PPA, Qwest, resources.hewitt, Retirement, Verizon Seminar Comments Off
Retirement Plans for Small Businesses -by John Jastremski
If you're self-employed or own a small business and you haven't established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future. Tax advantages A retirement plan can … Continue reading
Posted in Economic Report, Option 1 Withdrawal, Resources.Hewitt, Retirement Planning, The Retirement Group LLC, Verizon Tagged 401K, AT&T seminar, att workshop, CAM Annuity, Chevron, Lump Sum, PBGC, Pension, Retirement, Verizon Workshop Comments Off
Changing Jobs? Take Your 401(k) and Roll It -by John Jastremski
If you've lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It's important to understand your options. What will I be entitled to? If you leave your job (voluntarily or … Continue reading
Posted in Access.ATT, Investment, PPA, Resources.Hewitt, The Retirement Group LLC, Verizon Tagged Erik Larsen, ExxonMobil, Financial Planning, In Service Withdrawal, John Jastremski, Qwest, resources.hewitt, The Retirement Group LLC Comments Off
Common Factors Affecting Retirement Income -by John Jastremski
When it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend. If you don't consider how your retirement income can be impacted by … Continue reading
Posted in 401(k), EISP, netbenefits, Qwest, Types of Investment, Verizon Tagged Chevron, Communications Workers of America, CWA, Erik Larsen, ExxonMobil, Financial Planning, In Service Withdrawal, John Jastremski, Lump Sum, NGC Comments Off
Lump Sum vs. Dollar Cost Averaging: Which is Better? -by John Jastremski
Some people go swimming by diving into the pool; others prefer to edge into the water gradually, especially if the water's cold. A decision about putting money into an investment can be somewhat similar. Is it best to invest your … Continue reading
Posted in 401(k), EIPP, PBGC, Resources.Hewitt, Verizon Tagged Chevron, Communications Workers of America, CWA, Erik Larsen, ExxonMobil, Financial Planning, In Service Withdrawal, John Jastremski, Lump Sum, Texas Instrument, The Retirement Group LLC, Verizon Seminar Comments Off
Distribution Funds: Putting Income on Autopilot -by John Jastremski
As baby boomers retire, they begin to focus less on accumulating assets and more on how those assets can be converted into an ongoing stream of income. Distribution funds are one way to simplify that process. Distribution funds are actively … Continue reading
Posted in Access.ATT, EISP, Investment, The Retirement Group John Jastremski, Verizon Tagged 401K, AT&T seminar, CAM Annuity, Chevron, Communications Workers of America, PPA, Qwest, The Retirement Group, Verizon Comments Off


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'I heard a f—ing crazy dog say that we can't dock in Kampong Saom, but we definitely can do that," a crackling voice declares boisterously.
The speaker, captured in video obtained by the Post, is part of an illegal timber syndicate.
As he brags about selling timber to people he refers to as "long nose", Khmer slang for foreigner, he parades around a timberyard filled with container after container packed with luxury wood.
Posing in front of an open container of what is identified as either luxury Thnuong or rosewood logs, a man referred to as the owner, beams with a greedy smile.
"The most important thing is that everything is agreed from there, when [it] arrives here, they will take all [varieties]," a voice says.
There are at least 37 container loads – hundreds of thousands, perhaps millions of dollars worth of illegally logged timber in the yard.
The identity of the speaker is unknown and he could be anywhere in the country – indeed, this type of luxury wood harvesting is happening all over Cambodia.
But nowhere is it more blatantly visible than along the national roads, endlessly lined with rubber plantations, that bisect the northeastern provinces of Kratie, Mondulkiri and Ratanakkiri.
From the sky, it is clear that the multi-million dollar timber trade has already decimated Kratie's 75,089 hectare Snuol Wildlife Sanctuary.
Imagery from two of NASA's Landsat satellites compiled by the Post from photos snapped between 2009 and 2013 suggests that about 60 per cent of the entire sanctuary's evergreen forest has become cleared land.
Just a small fraction of the 55,135 hectares of known granted economic land concessions − with eight in total accounting for more than 70 per cent of the protected area – remain green, and there is little reason to suggest that forest coverage will stay for much longer.
Like a bad joke, a sign for one of the Snuol Wildlife Sanctuary's ranger substations stands surrounded by hectare after hectare of clear-felled forest, some of it still smouldering.
The rest of the land within this ELC granted to Vietnamese firm Tay Nam K has already been turned into rubber plantations.
But at the gates of the nearby Binh Phuoc Kratie Rubber 2 Company's concession, at the start of the adjacent 305,647 hectare Seima Biodiversity Conservation Area (SBCA), access is blocked. This protected area, to date relatively well preserved, is going next.
Binh Phuoc Kratie Rubber 2 also employs what could be read as satirical signage. Under one of the rubber company's billboards is written "Investor: Tien Dat Furniture Corporation Binh Dinh".
In June of last year, Prime Minister Hun Sen ordered three rubber firms, including Binh Phuoc, which holds an adjacent 10,000 hectare concession inside the SBCA, to stop logging some 85 per cent of their ELCs that remained evergreen or semi-evergreen forest.
The Landsat pictures show that, if anything, the firms Binh Phuoc Kratie Rubber 1 Company, Binh Phuoc Kratie Rubber 2 Company and Eastern Rubber (Cambodia) only intensified the rate of clearing.
It is hard to put precises percentages on the extent of forest clearance revealed through the satellite images but easy to see that huge swaths have disappeared in the three concessions since Hun Sen's directive.
The prime minister's green thumb intervention to save the sanctuary from the fate of its southern neighbour was seemingly reversed just months after he signed off on the order on June 28.
Snuol District Deputy Governor Men Vanna told the Post that after Hun Sen's order was handed down, a joint research committee headed by Deputy Prime Minister Yim Chhaly was established.
The committee determined that because Binh Phuoc Kratie Rubber 2 Company was not threatening any existing forest, the firm would be given back 5,000 hectares – or half of their total original concession, he said.
"The forest that has been cleared by company is damaged forest, it is not evergreen forest – before the government granted both to the company," Vanna said, but conceded even his officials had to gain permission to enter the area.
It's an old excuse – that companies granted concessions in protected areas are just clearing already degraded forest – and one that flies in the face of what is clearly visible from space. The logging here, the satellite imagery shows, has specifically targeted evergreen forest.
While satellite imagery can be ambiguous when analysing the destruction of deciduous forest, because the trees shed their leaves during the dry season, making it difficult to identify them, the results are far more conclusive when it comes to evergreen forest.
None of the three companies ordered to stop logging by the premier list contact details online. When the Post contacted the Cambodia office of the largest state Vietnamese rubber firm, Vietnam Rubber Group, an employee said he did not have the authority to speak about the firms, then declined to say whether the company was in any way linked to VRG. He told a reporter not to call back and directed questions to VRG's Hanoi office, which could not be reached.
Deputy Prime Minister Yim Chhaly did not answer his phone.
Rather than the rubber company, Vanna put most of the blame for the logging of the protected forest on an influx of settlers who had moved in after the prime minister's national land-titling scheme was launched in July.
In the time since, a population of 49 families that contested between 60 and 100 hectares of land also claimed by the company had swelled to 405 families, he said.
"The land that they take over is forest land; it is not land that they used to plant crops before. They are newcomers, and the reason that they take over the forest land that belongs to company is because they hope that the government will measure the land for them," Vanna said.
Mom Sakin, 54, has fought for the protection of the SBCA since 2000 through the community forest program and led a direct intervention this week when villagers seized chainsaws and a bulldozer from Binh Phuoc Kratie Rubber 2 Company's concession.
She is frustrated by the migrants who have flooded into the area since the prime minister's land-titling scheme was initiated, but is far more concerned by the ruthless actions of a foreign company she said was destroying any natural resource in sight.
"Before, we lived with green fresh forest, but now we live with nothing. We see only the base of the trees and the smoke as they burn," she said, lamenting that company employees had even shot most of the monkeys in the area to feed themselves.
Sakin painted a picture of anarchic destruction, whereby villagers were co-opted into logging for the company, which was protected by military police and soldiers, who in turn extorted money from illegal loggers at six "checkpoints" set up in the area.
She alleged that they charged loggers $2.50 per ox cart, $45 per chainsaw and $125 per truck load, while the company intimidated those who resisted their plans.
"The company always shoots into the sky to threaten people who don't want to move when they come to clear the land," Sakin alleged, adding that some villagers eventually agreed to move for between $250 to $500.
Officials from the Snuol district Forestry Administration, which is responsible for protecting the SBCA, and the district military police did not answer their phones when contacted by the Post, while National Military Police Spokesman Kheng Tito said he was unaware of the issue.
One person who is aware of the issue is Prime Minister Hun Sen, who in February said he was joining the battle to protect luxury rosewood and crackdown on illegal logging.
Unfortunately, most of the rosewood in Cambodia is already gone, but there are many more varieties of lucrative trees left for the pilfering.
Meanwhile, for the masterminds of such operations, business continues with little fear of any repercussions.
"Hey, my friend, go and stand over there, I will film you in close up to let other people know you are a timber owner," the voice on the illegal logging video sales pitch says.
"I film video; I will put in [digital] memory. Here, a timber owner, a rosewood owner. He owns the rosewood. Now you know him. If you need rosewood you can contact him.
He is the right guy," the voice says as the owner poses in front of the camera.

subset: commoncrawl


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Inspirational speaker
Tim is an expert in Cultural architecture and Change management. He began to do business back in 1993, when he established and led a company in an international trade. Later on he had a successful experience in banking and securities as a top-manager.
His talent and passion is networking, that is why at every workplace he managed to establish a community and make it a part of the global net. He was one of main idea-men, who established an Association for Eurasian Central Securities Depositories in early 2000's. He is an associate-member of Society of International Business Fellows (USA).
He enjoyed collaboration with professors of Harvard Business School and Baden Württemberg Export Academy.
Marketing and Strategic development are his majors; he has a PhD degree in Macroeconomics.
Currently, he involved in several complex post-merger integration and re-organization projects. He has great credentials on his long-lasting projects with Sberbank, URSA Bank, Kapitalbank, Ilim Timber Industry, UFG Asset Management, Nettrader, Yuterra, Technosila and other top Russian companies. Business diagnostics, change management, strategic development and team involvement are his favorite tools in management consulting.
Business owners and CEO's appreciate Tim's advice in team building, assessment and leader's development. He has several success stories in the integration of teams in M&A deals. Mastery in team coaching and creating a mutual vision is widely known about Dr. Yadgarov.
He serves as a master-trainer in a one year Executive Leadership Program of the Moscow International Leadership Academy. Also he delivers lessons to MBA students in the Moscow State International Relations Institute and the Academy of State Service.
Dr.Yadgarov is a well known speaker on client-service issues, as a key business strategy.
Tim Yadgarov is a founder and Chairman of the board in Association for Corporate Growth Moscow, entity which unites hundreds of coaches and business consultants from Russia, US, Germany and other countries. He is a member of board of several companies around the globe.
Tim is a co-founder of One million acts of innovaton Russia - part of global initiative to create innovations for a brighter economic future.
Fund of Russian Economy is one of social project, supported by Tim.
Tim is an outstanding business trainer and professional coach certified by Erickson College International (Vancouver, Canada).


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Conversational commerce: The future of e-commerce
How does your business connect with customers and keep those relationships going? Here's how to gain a competitive advantage...
Businesses all over the world, no matter the size and nature, have always been searching for the best strategies to stay connected with their customers in the most convenient and least intrusive way possible.
With the immense number of smartphone users and mobile messaging apps, there's a new trend that will forever change the way you interact with your audiences: Conversational commerce.
In this article, we will discuss what conversational commerce is, its key benefits for customer experiences, and its current examples.
What is conversational commerce?
Simply put, conversational commerce is a phenomenon in which transactions between brands and consumers occur through messenger apps and chatbots.
Since technology is now deeply ingrained in customers' lives, companies have found conversational commerce a smart strategy in conversing with them in real-time, regardless of the time and place. As a business owner, you can think of conversational commerce as being where your customers are.
Mobile messaging apps have hundreds of millions of monthly active users. Moreover, people all over the world are not only using messaging apps for communicating with their friends, but also for connecting with brands. Mobile messaging apps that people actively use include but are not limited to Facebook Messenger, WhatsApp, Viber, and WeChat.
Because of this trend, it only makes good business sense to reach out to customers using these apps – whether it's allowing them to buy movie tickets, book a taxi, or simply ask questions about the best shops available in town.
Building a website for your business idea is easier than you might think. Our online tool ranks the top website builders that offer free trials.
How conversational commerce improves customer experiences
Conversational commerce gives you a competitive advantage in business. As the gateway to better customer experiences, it aligns with the interests of mobile users and leverages already popular channels.
It's no secret that messaging customers via mobile apps enables you to provide relevant, personalised information that they can immediately act upon.
In fact, Marketing Land mentions that Avenue, a fashion retailer, has achieved a return on investment of more than 6,600% by simply using mobile messaging.
By now, you're wondering how conversational commerce can help you meet your customers' needs. Check out its advantages below.
1. Faster and easier transactions
What faster and more hassle-free way is there for customers to collect information and make purchases than to connect with their favorite online stores via their mobile messaging apps?
Instead of having to individually visit websites, customers can carry out their transactions in one place. People can get what they want whenever they want. At the same time, brands can shortcut a customer's purchasing journey, thus making a sale in a short amount of time.
2. Versatile and personalised
You can use chat bots or real customer service representatives to communicate with your customers. While chat bots provide instantaneous responses based on basic queries that a customer enters, live agents can offer more specific answers to complex questions.
In general, there is no ideal way to leverage conversational commerce. What really matters, in the end, is that you can deliver the best experiences to your audiences by giving them what they need and want. Based on a user's previous transactions, you can even program your chat bots to show offers relevant to those past activities.
3. Natural and user-friendly
Because there are more than four billion mobile users, conversational commerce is a natural and user-friendly way to reach audiences.
It's natural as customers can converse with you through chat, an activity nearly everyone does on a regular basis. It's user-friendly in the sense that consumers are well-versed in using mobile messaging apps. The medium of communication is quick and less intimidating.
Examples of conversational commerce
For you to get into your customers' mobile messaging app, you need to present them with the opportunity to reach you. For example, you can feature the "Send Message" call-to-action on your Facebook page or Newsfeed ads. That way, people can immediately send you a message and you can work your way to make a sale from there.
To see conversational commerce in action, here are examples that show how brands are using conversational commerce to connect with customers.
Facebook Messenger
A full participant in conversational commerce, Facebook launched its chatbot API for Messenger for the purpose of allowing businesses to interact with customers via its app. So, whether customers are going to "Request a Ride" on Uber or purchase flowers from 1–800-Flowers, they can simply do it within Facebook Messenger.
A mobile text and voice messaging communication service in China, WeChat is one of conversational commerce's pioneers. It has at least 10 million official business accounts which include Starbucks, Nike, Burberry, and more. Users can even pay their water bills, order food delivery, and customise and purchase a pair of shoes within WeChat.
If you love Taco Bell, you'll be surprised to know that you can now take your Taco Bell orders through Slack. Taco Bell created TacoBot, a bot on Slack (like Apple's Siri) to respond to your orders. Customers are free to ask TacoBot whatever they want – from Taco Bell's menu to TacboBot's current favorite movie!
Final thoughts
Conversational commerce isn't going anywhere. As long as there will be mobile users, conversational commerce is here to stay.
If you want to provide better shopping experiences to your customers and converse with them in real-time no matter where they are in the world, then you should leverage this modern technological approach.
Optimise existing popular mobile messaging apps and you'll be growing your customer relationships in no time. Start being where your customers want you to be.


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Find your great outdoor kitchen with the elegant modular outdoor kitchens ideas. The modular belongs to the modern kitchen furniture layout which consists of cabinets modules and made from the diversified materials. The modular includes various accessories inside, it will facilitate for the effective usage. The modular kitchen should be located in the outdoor kitchen, because it will enhance the sleek look of the kitchen outdoor. Even you could get it for your patio with the best furniture. This modular is actually easy way to have a dream outdoor kitchen, so you should choose this right outdoor kitchen for a great outdoor kitchen's ambiance.
Modular Outdoor Kitchens for a Sleek Look
Modular outdoor kitchen kit is also great and easy idea for having dream outdoor kitchen in a sleek look. Well, not only for having sleek look, the modern modular outdoor is actually affordable to get which is budget-friendly rather than picking out others furniture. Moreover, the modular outdoor is available for many styles and popular accessories include in such as stainless steel cabinet, compact refrigerators, custom countertops and many others. The modular is only easy way for having a chic and elegant kitchen look. Find your best modular ideas to improve your chic outdoor kitchen environment.
Get Your Modular Outdoor Kitchens Kits
The modular outdoor kitchen kit is the only elegant idea for the best kitchen outdoor look. Most homeowners have tried to have a dream for the outdoor kitchen look with this modular kit. You should try to decorate your outdoor kitchen perfectly with this modular idea. The modular kitchen kit will be really multifunction for the kitchen's activities, so you should not worry because this great modular kit will help you to make an easy activity in the outdoor kitchen. Well, what are you waiting for? Just get your best modular to find your real outdoor kitchen look.


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I was reading online about the spring break tragedy where a high school football player died from a fall while on spring break. My first reaction was one of little sympathy. If kids do drugs and drink, bad things can happen and they do. However, it got me to thinking when I was young and there were more than a few times where I did some stupid things (some involving alcohol) and could have died. Just God didn't call me at the time. I put myself in bad situations and nothing happened. Yet, other kids are called (like this incident) and they don't escape the repercussions.
This all made me wonder how God chooses people and at what time he chooses them to leave this planet. My time could have been up several times–but it wasn't. He meant me to be the parent of three beautiful children. Hopefully, He means me to be a published author that will help other people. Who knows what He means for me in the future?
Life is transitory. It can be over in one instant. It can be over because of bad situations you do to yourself or others do to you or even for no reason at all. We need to enjoy every minute we have here. Only God knows when our time is up.


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Hello and happy Saturday! I am so happy it is the weekend. Who's with me? After reading Amanda's survey, I knew I had to join in on all of the question fun! 😀
1. Were you named after anyone?
I actually asked my mom this after reading Amanda's response, and it turns out that like my sister, she wanted another girl with a "N" name, so after much.. headbutting with my dad, I was decided to be named Natalie. 🙂 You know what's a coincidence? My name means "Born on Christmas" and my birthday so happens to be in December. 😉
2. When was the last time you cried?
Yesterday, but I have a legitimate reason on why I did, so don't judge me. :p
When things get overwhelming sometimes, a girl just needs to express how she feels.
3. Do you like your handwriting?
Haha err- I used too, but lately it's just like what the heck is she writing?! People say it's neat and pretty, so I guess it is half decent.
4. What is your favourite lunch meat?
Grilled chicken breast!
5. Do you have kids?
Kid free here!
Fun fact: I volunteer to help blind children perform various fun activities. 🙂
6. If you were another person, would you be friends with you?
I would be honestly. Although I may be quiet, I am one of the most friendliest people you will ever meet. 🙂
7. Do you use sarcasm a lot?
Maybe.. maybe not.. 😉
Just kidding, I use it so frequently. (In a friendly manner, of course.)
8. Do you still have your tonsils?
I do, I do, I dooooooo. (Please tell me someone got that reference!
9. Would you bungee jump?
Oh heck yeah!
10 What is your favourite cereal?
My all time favorite would have to be Fruity Pebbles. I have ALWAYS loved eating it. It has such a good flavor! 😀
11. Do you untie your shoes when you take them off?
I do not, unless I tied the laces a little too tight.
12. Do you think you are strong?
Mentally: For the most part. I have my struggles, but I get through them.
Emotionally: I'm a tough cookie. 🙂
Physically: If the accident did not happen, then I would say yes, but now I'm just a lazy bum. :p
13. What is your favourite ice cream?
Ooo, this is a toughy. I would have to say I am more of a Cookies n' Cream kinda gal. 🙂
14. What is the first thing you notice about other people?
Their hair. I don't know why, but I always notice that first.
15. Red or pink?
16. What is your least favourite thing about yourself?
The ability to be able to stress out myself to the point of no return. *le sigh..*
17. Any tattoos?
No, but I have a few ideas in mind. 😀
18. Do you have any hobbies?
I draw, paint, sculpt, read, blog, workout, the usual. 😉
19. What colour shoes are you wearing?
Le pink slippers for this gal.
20. What was the last thing you ate?
Rice cakes topped with peanut butter. YUM.
21. What are you listening to right now?
The sound of my typing fingers and some background noise from the tv.
22. If you were a crayon, what colour would you be?
An aquamarine.. or coral.. or teal.
A fancy color, of course. 😉
23. Favourite smells?
Victoria Secret perfume, baked goods in the oven, vanilla, a mango-peach combo. 😀
24. Who was the last person you talked to on the phone?
My mom when she was checking up on me earlier.
25. Mountain hideaway or beach house?
This is a toughy.. probably the beach because I love the ocean.
26. Favourite sport to watch?
Football with my dad. I also love it when my mom chimes in from the kitchen. So adorable how worked up she gets sometimes. 🙂
27. Hair colour?
Blonde. I've had brown, purple, blue, and orange hair. All at different times! Now I'm just sticking to my natural blonde. 🙂
28. Eye colours?
A sapphire blue with a hint of gray.
29. Do you wear contacts?
Nope, this girl wears glasses. Sometimes…
30. Scary movies or happy endings?
Happy endings. I'm such an old school romantic. ❤
31. Last movie you watched?
The Wolf On Wallstreet.
Not what I expected, but Leo is always a fantastic actor!
32. What colour shirt are you wearing?
33. Summer or winter?
I hate the heat, yet I get cold so easily. I'm torn.. Can I just say both? 😉
34. Hugs or kisses?
Kisses from loved ones, but hugs always leave me feeling comforted and protected.
35. Computer or television?
Computer. I barely watch tv.
36. What book are you reading right now?
Still on The Jungle. I really need to get in some more reading time.
37. What's on your mouse pad?
I do not own a mouse pad. I use my laptop. I used to have one with the Tasmanian Devil on it. 🙂
38. What colour is your house?
Pure white.
39. What colour is your car?
This girl is car less. I don't mind. I'll be steering clear of driving for quite some time.
That is it folks. You got to know a bit more about myself. It's your turn. Introduce yourself in the comments! 😀
-What book are you reading at the moment?
-What are some of your hobbies?
-Answer any questions you would like. 🙂


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One of our best sellers, this hot cup is environmentally friendly, effective, and efficient. Kraft compostable hot cups are the latest look in greening your cafe, coffee shop, restaurant, concession, or break room. Lined with PLA corn plastic, these petroleum-free biodegradable paper hot cups are fully compostable in a commercial compost system in under 90 days. Serve coffee, tea, cappuccino or hot chocolate with eco-conscious confidence in our Vegware kraft compostable hot cups. These hot cups are fully compostable and lined with PLA corn based plastic rather than petroleum based plastic like most cups on the market. They are available in either natural white, natural Kraft, or your custom printed option.
Additional Info
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Red Crown Ripe Puerh Cake
Puerh Tea
- Origin:
- Yunnan, China
- Year:
- 2005 Vintage
- Servings:
- Brews approximately 50 cups
A ripe puerh with a smooth, full bodied flavor and cooling finish. A "ripe" or "cooked" puerh means that the aging process has been simulated during the production of the tea. This yields tea with much of the smoothness and character of a naturally aged puerh, but without the 15-50 year delay.
Ripe Chinese Puerh Tea.
Brewing Instructions
8 oz Cup
- Break off approximately one heaping teaspoon of puerh into infuser.
- Heat water to 212° F (boiling).
- Pour 8 oz. of hot water over tea leaves.
- Steep for 3-10 minutes, depending on taste preference.
- Remove infuser and enjoy tea.
Puerhs can be brewed multiple times. Re-steep the same leaves, gradually increasing the infusion time until the leaves no longer yield a full flavor.
Simply add to your infuser one heaping teaspoon of leaf per 8 oz. of water and place it in your pot, then add the appropriate amount of 212° F water and let it steep for 3 to 10 minutes. Remove the infuser and enjoy.
Brewing Iced Tea
Though we don't necessarily recommend drinking Red Crown iced, our opinion is that a cooled concentrate works best, as regular-strength brew tends to become watery as the ice melts. So, use the above leaf quantities, but half the water, allow it to cool, then pour it over ice and enjoy! The brew will dilute down to proper strength as the ice melts.


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About the Braidless Sew-In Extensions:
My method of creating braid-less tracks involves using hair weaving thread and your own hair to create a very flat, tube-like track, which lays much flatter to the head and is more secure than a traditional braided track. Because the tracks are much smaller than braids, you have more styling options. The extensions can last two to four months with proper care, after which I would remove them completely and install a new set. I also include a free maintenance tightening at 5 to 6 weeks. The Braidless Sew-In Extensions are safe for your hair and will give you a more natural look than individual hair extensions because the weight of the hair is evenly distributed on the track, and a weft of hair that is sewn to a track will flow with your natural hair, unlike the individual extensions, which piece out and don't blend well with your natural hair. My method of hair extensions is the best way to add length and volume to fine limp hair that just won't grow to the length you desire or to just add volume to your normal hair without damaging it.


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In-company Trainings
The training topics you see below outline some of the main development areas, where our trainers could support your and your employees' competence growth. In CATRO Bulgaria we do not believe in "one size fits all". Every training program has is adapted to:
- Current business goals
- Clearly defined expectations for need for change
- Knowledge and experience of the participants


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Summary by James R. Martin, Ph.D., CMA
Professor Emeritus, University of South Florida
This paper builds on previous work by Ouchi who developed a set of control archetypes to explain variety in the area of control. Speckle develops a more comprehensive framework in terms of control archetypes that he refers to as a transaction cost theory (TCE) of management control (MC). My summary follows the paper's five sections:
1. Introduction,
2. An Introduction to TCE,
3. TCE and MC: Some Preliminary Considerations,
4. A Transaction Cost Theory of MC, and
5. Summary and Conclusion.
1. Introduction
The problem of explaining management control (MC) structure variety has been addressed in contingency theory and agency theory research, but both theories have limitations. Contingency theory models tend to be partial in that they focus on elements of control, such as budgeting, rather than addressing the full set of control devices. Agency theory models have similar weaknesses and also tend to focus on single period, single agent situations. As a result our understanding of MC structure remains fragmented. The purpose of this paper is to examine the potential of transaction cost economics (TCE) to provide a more useful way to explain management control structure variety.
2. An Introduction to TCE
TCE examines how different institutional arrangements are used to organize and control economic activity. Transactions differ in terms of contractual problems while organizational forms differ in their ability to solve related problems. TCE examines the match between transactions and organizational form while considering the bounded rationality (i.e., lack of cognitive and computational ability) and opportunism (i.e., "self-interest seeking with guile", p. 421) problems associated with human nature.
The dimensions of transactions include: degree of asset specificity of the transaction, uncertainty, and frequency. Asset specificity is related to the opportunity losses incurred in cases where a transaction is prematurely terminated. The size of opportunity losses is influenced by information asymmetry and impactedness, e.g., where information related to a transaction is not evenly distributed between the parties to the transaction.
TCE defines three types of organizational structures used to govern transactions:
1. Markets - control is derived from free competition.
2. Hybrids - control is derived from long-term contracts.
3. Hierarchies or internalization - control is derived from authority, internal structure and monitoring.
TCE's theme is that transactions tend to be matched or aligned with governance structures. Market control fits where transactions are low on asset specificity (i.e., low potential opportunity costs). Hybrid control fits better when asset specificity increases, but hierarchies are needed to reduce conflicts between contracting parties when transactions involve high asset specificity. Hierarchies support cooperation, but bureaucratic inertia, politicizing of decisions and other problems reveal that the hierarchical form of governance is not a panacea.
3. TCE and MC: Some Preliminary Considerations
According to Spekle, TCE has not had much influence on MC research. In this section, he examines the relationship between TCE and MC. Various definitions of MC are provided to show that MC includes two key concepts; a focus on behavior, and how this behavior effects organizational outcomes. He suggests that the lack of TCE's influence on MC may be related to the levels of analysis emphasized, where TCE emphasizes the tradeoffs between modes of governance, while MC emphasizes trade-offs within only one mode, i.e., hierarchy. He indicates that this is not an obstacle to TCE's application to MC. He goes on to point out the behavioral nature of TCE with its notions of bounded rationality and opportunism. This is followed by a discussion of some issues related to organization goals and effectiveness. For example, can organizations have goals and objectives? Or do the goals and objectives belong to individuals associated with the organization? Where do these goals and objectives come from? One way to deal with these questions is to assume that the organizational goals are translated into strategies and the function of MC is to ensure that these strategies are implemented. But this approach ignores MC's role in crafting strategy. More of this sort of discussion is provided in this subsection, i.e., 3(4).
In the last part of section 3, Spekle indicates that MC-theory should be able to shed light on the functioning of various configurations of control devices and that TCE provides a procedure to help in this area referred to as a "remediableness check." This terms is also mentioned on p. 422.
4. A Transaction Cost Theory of MC
This is a fairly long section (pp. 427-438), but it is summarized in Tables 1 and 2 on pp. 437 and 438. My adaptations of these tables appear below. A control archetype is defined on p. 427 "as a characteristic, discrete configuration of control devices that is descriptively and theoretically representative of a significant group of observable management control structures and practices." Three variables define the activities to be controlled: Certainty/uncertainty, degree of asset specificity, and intensity of post hoc information impactedness. These variables are used to explain the various control archetypes as illustrated in Tables 1 and 2.
|Adaptation of Table 1: Control Archetypes and Their Determinants
Ex ante programmability
of contributions (Certainty)
|Degree of Asset Specificity (potential for opportunity losses)
|Impactedness of information for post hoc Performance Assessment
|Control Archetypes
|Market Control - Control based on competition.
|Arm's Length Control (Hierarchical or hybrid) - (Quasi) independent: Outcome control based on market-derived standards or predefined contractual provisions.
|Machine Control - Administrative control based on codification of behavior (action oriented) or predefined performance targets (results oriented).
|Market Control - Control based on competition.
|Exploratory Control (hierarchical or hybrid) - Control based on converging insights that accrue and spread during the process. Convergence either administratively induced or based on market-disciplined information sharing.
|Boundary Control (hierarchical or market-based) - Market procurement if reputation effects are reliable; otherwise proscriptive control of administrative origins.
|Exploratory Control (hierarchical) - Administrative control based on converging insights that accrue and spread during the process.
|Boundary Control (hierarchical) - Administrative control through interdictions, emphasizing behavior to be avoided.
Certainty/uncertainty relates to whether activities are programmable or non-programmable. Programmable activities are those where the organization has sufficient knowledge related to how the activities should be performed along with the expected outcomes. Control for programmable activities (high certainty) can focus on compliance to specific rules and targets. Control over non-programmable activities must rely on a broad view of performance with much less precision.
Market Control
Low asset specificity (idiosyncrasy) means that the assets involved are not tailored to the organization and can be efficiently controlled by the market pricing mechanism, i.e., Adam Smith's "invisible hand."
Machine Control
Programmable activities with high asset specificity (i.e., high potential for opportunity losses) tend to be controlled by standardization and regulation of behavior, measurement and monitoring of predefined outcomes. Speckle refers to this as machine control which has two sub-categories including action oriented and result oriented as indicated in the tables. Action oriented machine control involves rules and instructions related to a specific sequence of tasks followed by supervision/monitoring of actions. Results oriented machine control includes targets, accountability and rewards.
Arm's Length Control
Arm's length control tends to be applicable where activities are programmable (certainty is high), but asset specificity or idiosyncrasy is moderate (i.e., moderate potential for opportunity losses). Arm's length control can be either hierarchical or hybrid (i.e., including hostage arrangements) as shown in the tables and is applicable where competition is thin and the contributor has significant autonomy. Hybrid arm's length control is involved in full outsourcing. An example of a hostage arrangement is where a contract includes a penalty payment for non-performance. Hierarchical arm's length control refers to situations where departments or divisions are treated as independent autonomous units, but management intervention is available when needed as in transfer pricing disputes.
Exploratory Control
Exploratory control is related to situations where information impactedness is low ( i.e., where the quality of a contributor's performance is clear to all). Exploratory control can be hierarchical or hybrid. Hierarchical exploratory control is applicable where activities have low programmability (the organization cannot define what it expects), asset specificity is moderate or high (, and information impactedness is low or remediable. Hybrid exploratory control provides an alternative with more market incentives and is applicable where activities have low programmability (the organization cannot define what it expects), asset specificity is high (i.e., high potential for opportunity losses), and information impactedness is low. Speckle indicates this archetype is applicable in outsourcing arrangements with a limited number of suppliers and depends on sharing private information and know-how.
Boundary Control
Boundary control is applicable where information impactedness is high (i.e., the quality of performance is not clear to other members of the organization). Boundary control refers to prevention of undesired actions or outcomes. Boundary control can be hierarchical or market-based. Hierarchical boundary control specifies behavior boundaries and is a structure of last resort. Market-based boundary control relates to situations where services are purchased in the external market, e.g., legal services or audit services.
|Adaptation of Table 2: Characteristics of the Control Archetypes
|Control Archetype
|Characteristic Features (Indicative)
|Market Control
|Competition-induced standards and compliance.
|Arm's Length Control
|Significant autonomy; control is mostly achieved through market exposure. Little attempt to fix performance standards in advance. Performance related compensation. Little hierarchical involvement as long as performance conforms to (ex post) market standards.
|Detailed, reasonably complete contracts. Hostage arrangements to ensure compliance to contractual provisions. Arbitration to resolve conflicts.
|Machine Control
|Action Oriented
|Standardization of behavior. Codified norms, rules, instructions, etc. Detailed monitoring and supervision to ensure compliance. Low tolerance of deviations from norms or instructions.
|Result Oriented
|Predefined and codified performance targets. Task-defining budgets. Performance dependent bonuses. Budget-constrained style of evaluation.
|Exploratory Control
|Information sharing entrenched in organizational structure and process design (vague responsibilities, mutual dependencies). Performance evaluation based on emergent standards. Rewards through promotion (including periodic salary revisions), based on long term performance. Little emphasis on formal instruments of control.
|Relatively unspecific 'general thrust' contracts. Latent (but easily activated) or endogenized competition to ensure commensurate performance. Performance assessment based on broad, emergent standards. Information sharing self-enforcing because of the participatory, interactive nature of the process of contract execution.
|Boundary Control
|Proscriptive codes of conduct/boundary systems. Budget authorization of (maximum) expenditure. Tie in of agents through hostages. External audits.
|Market procurement of goods or services. Reliance on reputation effects to avoid substandard performance.
5. Summary and Conclusion
The transaction cost theory (TCE) of management control (MC) provides a fairly comprehensive framework in terms of control archetypes that can be used to address any sort of control issue and it is empirically testable - at least in principle.
Related summaries:
Chenhall, R. H. 2003. Management control system design within its organizational context: Findings from contingency-based research and directions for the future. Accounting, Organizations and Society 28(2-3): 127-168. (Summary).
Ferreira, A. and D. Otley. 2009. The design and use of performance management systems: An extended framework for analysis. Management Accounting Research (December): 263-282. (Summary).
Kalagnanam, S. S. and R. M. Lindsay. 1998. The use of organic models of control in JIT firms: Generalising Woodward's findings to modern manufacturing practices. Accounting, Organizations and Society 24(1): 1-30. (Summary).
Langfield-Smith, K. 1997. Management control systems and strategy: A critical review. Accounting, Organizations and Society 22(2): 207-232. (Summary).
Martin, J. R. Not dated. Simon's levers or control in relation to the balanced scorecard. Management And Accounting Web. https://maaw.info /ArticleSummaries/ArtSumSimon'sLeversofControl.htm
Neimark, M. and T. Tinker. 1986. The social construction of management control systems. Accounting, Organizations and Society 11(4-5): 369-395. (Summary).
Ouchi, W. G. 1979. A conceptual framework for the design of organizational control mechanisms. Management Science (September): 833-848. (Summary and Comparison of the Control Mechanisms).
Ouchi, W. G. and A. M. Jaeger. 1978. Type Z organization: stability in the midst of mobility. Academy of Management Review (April): 305-314. (Summary).
Parker, L. D. 1984. Control in organizational life: The contribution of Mary Parker Follett. The Academy of Management Review 9(4): 736-745. (Note).
Shields, M. D., F. J. Deng and Y. Kato. 2000. The design and effects of control systems: Tests of direct- and indirect-effects. Accounting, Organizations and Society 25(2): 185-202. (Summary).
Simons, R. 1995. Control in an age of empowerment. Harvard Business Review (March-April): 80-88. (Summary and related Note).
Sunder, S. 2002. Management control, expectations, common knowledge, and culture. Journal of Management Accounting Research (14): 173-187. (Summary).
Tiessen, P. and J. H. Waterhouse. 1983. Towards a descriptive theory of management accounting. Accounting, Organizations and Society 8(2-3): 251-267. (Summary).


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1. Please give an overview of your role and what this involves on a day-to-day basis:
Emailing clients, emailing the bank, speaking to creditors, adjudicating claims, filing, helping on pitches for clients, margin modelling etc.
2. Have you learnt any new skills or developed existing skills?
Excel skills, business writing, been on several insolvency-specific training courses.
3. To what extent do you enjoy your programme?
Depending on the project, it can be very enjoyable. I like my team and the company invests a lot into its people.
Imagine yourself working at EY
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4. How valued do you feel by EY?
Feedback is given regularly and recognition awards are given sometimes
5. How well organised/structured is your programme?
There is a strict structure in place. When I joined, I had a buddy to help me with any questions. I have a counsellor to help with my career progression. There is a schools team and an exam training team who we communicate with regularly.
6a. How much support do you receive from your training provider?
We are trained externally. The college hasn't always been very supportive but there are new plans in place so that this will be different going forward. This was following a discussion between school leavers and one of our partners.
6b. How much support do you receive from your employer?
My team is very supportive and understanding of the fact that I am new and that I often have exams
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7. How well does your salary/package meet your costs?
I receive a higher wage because I am in the London office. My company pays for my annual train ticket and takes it out of my salary which means I don't have to pay for it upfront.
8. Are there many opportunities outside of work?
Because EY is such a large firm, there are many opportunities to get involved with e.g. EY Tate Arts Partnership, sports teams etc.
9. Would you recommend EY to a friend?
9b. Why?
The school leaver programme is a great way of getting into business without incurring high levels of university debt. It is an unparalleled experience
10. What tips or advice would you give to others applying to EY?
Know your CV inside out!
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The Golden Helm: More Tales from the Edge of Sleep
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For readers who enjoy tales of magic and the imagination.aliens, dragons, Fantasy, magic, short stories, time travel, Unicorns


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I love bruchetta!!
This recipe makes a for wonderful starter or appetizer. I love to add the feta cheese on top, specially when you can warmed them up before serving.
5-6 tomatoes, diced
4 garlic cloves
3 green onions, chopped
4 tbsp olive oil
1 tsp basil
1 tsp Italian seasoning
2 tsp parsley, minced
1/2 tsp salt
1 banquette, sliced
1/2 cup crumbled feta cheese
olive oil, to drizzle
In a medium size bowl, place diced tomatoes. Add crushed garlic, chopped green onions, olive oil, basil, Italian seasoning, parsley and salt. Stir together and leave aside for 2 hours for the flavours to blend.
To serve, cut baguette in bias, arrange then on a baking sheet and drizzle some olive oil, then place spoon full of the mixture on each bread slice, sprinkle feta on top and bake in the oven at 350 for 10-15 minutes, or until starts to brown.
Makes: 20-25 bruschetta


text: Walter Haverfield LLP March 2018 Walter | Haverfield LLP Cleveland Bar panelists discuss #MeToo in the legal profession Walter | Haverfield partner Darrell Clay led a panel discussion at the Cleveland Metropolitan Bar Association on the topic of #MeToo and sexual harassment in the legal profession. Cleveland.com recapped the discussion, which included attorneys from other local firms. [More]


text:
Ceri Jones
Associate Solicitor
- Phone0161 672 1515
- Fax0161 672 1279
- firstname.lastname@example.com
- LocationManchester
Specialisms / areas of expertise:
Ceri qualified in 2012 after obtaining her law degree and LPC from the University of Wales Aberystwyth. After undertaking her training in North Wales, she moved to Liverpool post qualification where she worked at a city centre law firm.
She joined Slater Heelis in June 2015 as a Solicitor within the Commercial Property Team. She specialises in residential development work and has successfully completed thousands of transactions. Ceri manages the Plot Sales team and also runs a case load of Residential property files.
Outside, she enjoys spending time with family and friends, travelling and camping.


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Small Steps/Mobile Community Market
Members of the community are able to receive a voucher to use toward fresh fruits and vegetables at the on-site farmers' market. UnitedHealthcare Community Plan believes that small steps make a big difference!
June 16
10 a.m. - 12 p.m.
Milwaukee Internal Medicine Associates
7733 W. Burleigh Street
Milwaukee, WI 53222
7733 W Burleigh Street


text:
So Clutch - Pink Multi
So Clutch - Pink Multi
Our clutches hail all the way from San Jacinto Colombia, a town famous for its rich textiles and artisanal history.
Made from handwoven straw found in traditional sombrero hats and technicolored, upcycled woven fabrics, no two bags are the same. Artisans use the offcuts of their fabrics to make these clutches. Add a pop of color to any outfit, day or night, and carry the vibracy of the Colombian tropics in your hands.
Each bag purchased helps to create jobs for women who had been displaced by social and political conflict in the Marias Mountains in 1996.
- Length:
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- Width:
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- Returns:
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- Note:
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Finished: Curry in a Hurry Hat
A couple of weeks back I was waiting for that Rowanspun Aran to show up and I got a little antsy. So I decided to knit up a quick hat to take the edge off.
-Pattern: Cap Karma Hat, from Smariek Knits.
-Yarn: Handspun Bulky from Handpaintedyarn.com.
-Skeins: Less than one skein of "Sunset."
-Needles: Size 7 for ribbing; size 8 for the rest.
-Start to finish: July 18 – July 19, 2007.
-For: Me!
This is a nice little hat pattern. I was drawn to it because the cables make the hat pucker in a zig-zaggy way and, as we know, all it takes is a nice zig-zag and I'm putty in your hands. Plus, cables! I had to make this one.
You may recognize the Handpainted Bulky from Thunky's Hidden Agenda Sweater. I kind of hated the yarn back when I knitted the sweater, because half of the skeins seemed to have been spun by someone whose instructions read "spin thick and thin singles" and the other half by someone whose instructions said "spin singles of a consistent thickness." Since I just needed one skein for this hat I figured I was in the clear.
Not so much, it turns out. The yarn itself was fine, but the dyejob was fabulously craptastic. After an hour or two of knitting I looked like I had severe jaundice of the fingers. Most of the dye washed off my hands with a good scrubbing, but it stained the edges of my fingernails (and nothing says sexy like nasty yellowy nails. Yuck).
On the plus side, the dye stopped bleeding after three good washes and the lovely sunsetty color doesn't seem to have faded. You have no idea how gross the wash water was though. It looked like radioactive lemonade.
I made the whole thing shorter, so that it wouldn't swallow my head. I like my hats to just cover the tops of my ears.
Final Verdict: Yummy! A great pattern, but use different yarn.


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- Consistent Quality
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CMI MULTIFIX 188 is a high quality polymer modified water-resistant cement-based adhesive for use as a key coat (spatter dash) for plastering on smooth concrete surfaces and for use in laying ALC blocks and fixing of ceramic floor & wall tiles. It is suitable for interior and exterior use in thin or medium bed applications ( 3 mm to 6 mm).
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Storage life is approximately 6 months if stored in a cool and dry place.
Note : Because it is not possible to give specific instruction for the various site conditions or to control the applications, the information here is for general guidance only and does not constitute an offer of warranty by the manufacturer.


text:
Not only does a house renovation increase your private home's market worth, however it could also help you avoid expensive repair bills whereas bettering the aesthetics of your neighborhood. I began to investigate this builder who calls himself Head Residence Improvements and whose website may be found at (The neighbour said that's all he ever did – head residence!) His flashy web site claimed membership of various professional our bodies – none of which had heard of him unsurprisingly.
I not too long ago interviewed several property buying company's to see what house additions add essentially the most value after they think about buying or selling a property. We have so many great individuals working for Craftsmen Dwelling Improvements who are extremely qualified and have many years of expertise of their fields. I then used on-line property valuation instruments resembling ones from -property-valuation/ to see the values before and after improvements. On the West Coast, the report initiatives a significant improve in spending on house improvements in the Sacramento metro area, where house prices recovered extra slowly from the Nice Recession than in other elements of the state.
The youngest brother and resident present weirdo was performed by Taran Noah Smith, and honestly, not a lot has changed since. No matter what sort of residence improvements challenge you need done call Klint at Krenzke Residence Improvements at the moment (303) 506-3159 to get a guaranteed agency exact quote. Typically, a local authority does not should pay a grant or mortgage inside any specific time restrict. In consequence, mixture spending by householders in the same 15 areas totaled over $eighty billion, or nearly 37 percent of the full spending by all homeowners on dwelling enhancements nationally.
The Leading Indicator of Remodeling Activity (LIRA) is designed to estimate national homeowner spending on enhancements for the present quarter and subsequent three quarters. Out of all of the feedback gathered from industry professionals they all said including one other bedroom elevated a properties value by as much as £10,000-£15,000. Prime off your bay window with a copper roof and you have a triple play or including architectural appeal to your property that may pay dividends time and time again.
Pinnacle Dwelling Improvements is committed to providing an distinctive stage of service and craftsmanship to all of our customers. The outcomes broadly assist our expectation that residence improvement expenditures in sure excessive-cost markets could quickly reach a cyclical peak, while spending will enhance in markets where home prices are decrease however are growing steadily. Select the right enhancements and the value you add might outstrip the cost – and supplied it's your primary residence, you won't pay capital positive aspects tax on any enhance in worth. TurboTax experts present general recommendation, customer support and product assist; tax recommendation offered only by credentialed CPAs, enrolled agents and tax attorneys. The one 1-eight-7 in Home Enchancment was the working gag of Tim Taylor (performed by Tim Allen) continuously hurting himself on the present he hosted inside present, Instrument Time.


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Copse Magazine: Contact us
Contact Details
Copse Magazine is an online magazine, published by Sailfin Magazines a publishing company specialising in online magazines, content writing, and online marketing.
Publisher: Adam Colthorpe
Editor: James Cole
Sailfin Magazines is, in turn, a trading name and division of Sailfin Ltd. Sailfin was named after a fish. Not any specific fish, but just a word that we quite liked the sound of way back in 2007 when we were literally flicking through a dictionary trying to come up with a great name.
You can telephone Adam, the Publisher on 0200 888 0231
Copse Magazine Editorial
We accept article submissions that are written uniquely for us. This means content that has not been published elsewhere on another website, blog, or publication prior to our publication of that content. We do run all content through a plagiarism checking service. Ideally, uniquely-written also means that the content has been written with our publication and audience in mind and is therefore tailored to our annoying tone of voice that switches between irreverence and opinionated intelligence bordering on arrogance. We also publish fairly neutral articles with no personality – but these rarely make it into our favourite vague napkin philosophy section – articles about life.
If you are working in public relations or promotions and you are so excruciatingly overly excited about the client that you are being paid to promote in an intelligent and articulate manner then please make contact with us and tell us how you would like to work with us in a bespoke manner to really engage with our readers and provide content of real value that will engage, enlighten, or educate our audience.
Please do not simply send us press releases or they will be deleted in the order they arrive. Email: James [at] copsemagazine.co.uk
Registered Office
Sailfin Ltd.
Warwick Road,
Registered Company Number: 6431517


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Yes, Stephen King is to blame. See more here, here, and here.
The Hungry Ones, by Craig Douglas (Crescent, 1966), with cover art by Elaine Duillo; and Kill the Clown, by Richard S. Prather (Gold Medal, 1964), featuring a painting by Mitchell Hooks.
READ MORE: "Two-fer Tuesdays: Fears of a Clown," by J. Kingston Pierce (Killer Covers).
Friday, September 22, 2017
Because Everyone's Talking About Clowns …
Posted by J. Kingston Pierce at 9:21 AM
Labels: Elaine Duillo, Mitchell Hooks, Richard S. Prather, Themes
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Returns and Refunds Policy
Thank you for shopping at My Urban Toddler.
If you are not entirely satisfied with your purchase, we're here to help.
Our products can be returned within 7 days of the original purchase of the product.
To be eligible for a return, please make sure that:
The product was purchased in the last 7 days
The product is in its original packaging
The product isn't used or damaged
You have the receipt or proof of purchase
Products that do not meet these criteria will not be considered for return.
Send the product with its original packing and the receipt or proof of purchase, to:
3010 Washtenaw Ave Suite 107 Ann Arbor, MI 48104
Shipping charges incurred in connection with the return of a product are non-refundable.
You are responsible for paying the costs of shipping and for the risk of loss of or damage to the product during shipping, both to and from myurbantoddler.
If you received a damaged product, please notify us immediately for assistance.
Unfortunately, sale items cannot be refunded. Only regular price items can be refunded.
If you have any questions about our Returns and Refunds Policy, please contact us:
By email: email@example.com


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Act of Kindness
The Christian doctrine revolves around love and kindness. The love it preaches is beyond any human's grasp. For one, to love someone who doesn't love you back is just absurd and crazy. Yet, one of Christ's teachings is not only to love your neighbor but to love your enemies as well. Most believer could probably do the first one but never the latter. How could you love someone who hates you, to the point that individual wishes you harm. Looking back before you become born again, we were all enemies of God because of our sin and unrepentant nature and yet God didn't stop loving us. He love us so much that He sent his one and only Son to save us from His wrath.
I was browsing through my facebook. One of my friends shared this article, about a guy named Carl Panzram. This guy was so vile that I'll share two of his quotes.
"I am the man who goes around the world doing people good. My motto is: Rob em, ***k em and then kill em. That's me."
And before his death, "Hurry up, you Hoosier bastard, I could kill ten men while you're fooling around!"
With those words, right before his death. I see a person who is full of hatred and vengeance. I also see a man who is crush, broken in spirit, helpless. That all he wants is just to end everything, not an act of cowardness but rather a means of escape from a world of abuse, torture and pain. All throughout his life only one man showed him kindness. His prison guard Henry Lesser. They became friends eventually and he convinced him to write about his life.
We often see outlaws only through one side of it. We never ask why how such an individual became one. I am not defending such individual, no matter what one went through. Regardless of what the factors are the choice is still up to us. What if someone showed him kindness when he was a boy? That there is a life after this world. Jesus Christ tells us to become the light of the world.
"You are the light of the world. A city set on a hill cannot be hidden; nor does anyone light a lamp and put it under a basket, but on the lampstand, and it gives light to all who are in the house. "Let your light shine before men in such a way that they may see your good works, and glorify your Father who is in heaven. (Matt. 5:14-16 NASB)
Yes, it is easy to judge such an individual. However the grace and love of God knows no bounds. For the word of God is like a double edge sword. Besides we all have one thing in common, we're all sinners.
Categories: Be the light


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19 Mar 2009A Paean for Wilson
The Durutti Column (Vini Reilly, Bruce Mitchell, Keir Stewart and Poppy Morgan plus special guest John Metcalfe) will perform the new instrumental work A Paean for Wilson written by Vini Reilly.
The venue will be The Pavilion Theatre tent in Albert Square with shows taking place at 8pm on 15-17 July 2009. Tickets priced GBP 16.50 (9.00 concs) are on sale from Thursday 19 March at 15:00 GMT from mif.co.uk or by telephoning 0844 815 4960. No per ticket booking fee (transaction fee applies).
Other MIF highlights include Kraftwerk plus Steve Reich at the Manchester Velodrome, Elbow with the Hallé Orchestra at the Bridgewater Hall, Lauri Anderson and Lou Reed at the Palace and De La Soul at The Ritz.
Labels: Factory_Records, John_Metcalfe, The_Durutti_Column, Tony_Wilson
- May 1980 release schedule
- hallowed articles
- FAC 148 letter from Quarry Bank Mill to Tony Wilson
- FAC 81 stationery source materials
- FAC 81 stationery
- 86 Palatine Road Blue Plaque
- Joy Divison USA Tour Itinerary
- Tony Wilson letter to Ralph Steadman re John Dowie
- IKON stationery
- The Factory stationery
- In the City badge
- Peter Saville Associates stationery and bill
- Movement of the 24th January stationery
In the grey days of late 1970s post-punk Manchester, youth culture was a serious affair: every musical performance was measured mostly by the conviction of its delivery. The term 'New Wave' opened up free vistas where acquired skills could once again be exercised after punk's monochrome blur. It could be applied to anything from a James 'Blood' Ulmer record to the latest Throbbing Gristle release, Magazine to Swell Maps. Move outside that terrain into Sun Ra, Parliament, Frank Sinatra and Martin Denny, and your options were suddenly without limit...
Then came Tony Wilson's Factory Club (at the Russell Club in Hulme) offering an open invitation to experiment that was taken up when Ken Hollings, Howard Walmsley, Eddie Sherwood and a few others decided to make some noise to accompany their 16mm silent epic Biting Tongues. A further performance followed a few weeks later, when Colin Seddon and Graham Massey disbanded their Post Natals project and joined up. The film itself, a flashing series of negative images, became a memory; the name remained.
- extract from the LTM Biting Tongues biography
FAC 134 Trouble Hand
FAC 188 Compressor
IKON 26 Wall Of Surf
IKON 31 'Wall of Surf' T-SHIRT
IKON 45 'Wall of Surf' POSTER


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Category Archives: Holiday Shopping Lists
K-Train's Top 10 Christmases in Gaming
Merry Christmas! This month, I will be detailing the top ten Christmases I have had in gaming. The posts will be out every other day, so stay tuned.
10- Virtual Boy
Despite what critics have ranted about the virtual boy, as a 10 year old gamer, I thought it was pretty cool. I spent most of my time on Red Alarm and Mario Tennis and the rest recovering with a chiropractor. My non-ergonomic Virtual Boy is still boxed up in the basement, wrapped up in all its duct-taped glory.
9- Super Mario Galaxy 2.
For GameTaffy readers who have read any of my articles, they ought to know that I am not a fan of the Wii when it comes to casual gaming. Super Mario Galaxy 2 is a greatgame, but not one that caught my attention or Read the rest of this entry
Holiday Shopping Guide for 2011: 10 Cheap PC Games
There are many during this time of year who really need some new video games, but are short on cash for a new game. Never fear, for here is 10 PC games that you can add to your library for under $20.
Command and Conquer: The First Decade
Average Price: $19.96
Command and Conquer is the name that all Real Time Strategy players should know. Command and Conquer games are some of the very first in RTS gaming for PC's, and this game has 8 games all rolled into 1 CD. The games start from the original CnC, and end with CnC Generals. If you enjoy a good RTS game, and you have played the most recent CnC's, such as Generals or Red Alert 3, you need the First Decade, so you can see how the 3 different universes have all developed from the beginning. And seriously, 8 games for $20, can you say no to that? I didn't think so.
Duke Nukem Forever
Metacritic: 54
Average Price: 19.96
Duke Nukem forever is an expansion on the popular gunslinger game from many of the old gaming systems. Follow the gunslinger Duke as he fights aliens who keep stealing the worlds beautiful women. Race through streets, destroy aliens and their ships and then sleep with the beautiful women you rescued, all for under $20.
Holiday Shopping Guide: 10 Cheap Nintendo DS Games
Time is running out to get those presents under the tree, and even if the Nintendo DS is a dying system, there are plenty of great games that deserve a place in any gamer's library. However, some of the games on this list may have passed completely under your radar. Therefore, allow this list to surprise and delight you. Unfortunately, there isn't a single game that you will be paid to take away.
America's Test Kitchen: Let's Get Cooking
Metacritic: 87
Price: $4.71
Let's begin this list with a game that isn't actually a game. America's Test Kitchen: Let's Get Cooking is an ebook for your Nintendo DS.
However, what any fan of Create Channel's TV show can look forward to is easy recipes and trustworthy advice on ingredients. Best of all, as gamers have never been known for their cooking abilities (habenero-tuna pizza and chocolate milk, anyone?), this collection of 300 recipes make seemingly difficult dishes easy.
If for no other reason, this gift will guarantee that the DS gamer in your life will be able to impress a date or family with awesome meals.
Castlevania: Dawn of Sorrow
Metacritic: 89
Price: $19.98
As a direct sequel to Castlevania: Aria of Sorrow, this game takes place in 2036. In fifteen years, Soma Cruz discovers a cult planning to revive Dracula.
Soma Cruz must infiltrate a replica of Dracula's castle, battle monsters, and retrieve new Magic Seals to defeat the cult and stop the rise of Dracula.
The game features gorgeous art styles in 2D gameplay styles. There will be some references to the previous game, but players will quickly catch up on the plot within the first hour.
Holiday Shopping Guide: 10 Cheap Buys for the Xbox 360
Alright, so there's plenty of us out there that want to feel the Christmas spirit, but we also enjoy having money. Fear not! GameTaffy has the answer, and ten cheap (but still awesome) gift ideas for the Xbox 360!
Alan Wake
Metacritic: 83
Average Price: $14.00
With the recently announced Alan Wake: American Nightmare just around the corner, now is the perfect time to dive into this franchise. There have been opinions a plenty calling this game a much-needed resurrection of the classic horror story in gaming. Now, you can take on the role of a questionably psychotic hero for under twenty bucks. Not a bad deal, if you ask me.
Grand Theft Auto IV
Metacritic: 98
Average Price: $15.95
One of the most critically acclaimed Xbox 360 titles of all time is now available for less than a pretty penny. Well, not literally, but you get the idea.
If you're feeling especially generous, the Complete Edition of this title is available for just about ten dollars more at most locations and online retailers, which includes the DLC Episodes from Liberty City, The Lost & The Damned, and The Ballad of Gay Tony.
Holiday Shopping Guide: 10 Awesome PS3 Stocking Stuffers
There are tons of products on the market to enhance people's experience with their PS3 system. Here is GameTaffy's top 10 money-wise suggestions for your gamer this Christmas:
Assassin's Creed II
Metacritic: 91
Average Price: $19.99
ESRB: Mature
Unlike the first Assassin's Creed, Assassin's Creed II has much more incentive to beat the game! Many gamers that I've spoken with had a hard time completing the first game because of its repetitive gameplay. Assassin's Creed II was well developed, and the team made sure to fix the problems with the first.
Players take control of Ezio, a young Italian who has been betrayed by the rival families of the era and is seeking revenge. Ezio's missions lead him through the streets of ancient Rome to assassinate key individuals in an effort to avenge his murdered family.
The game includes an in-depth storyline, as well as massive amounts of sidequests to conquer. Assassin's Creed is a killer deal for a killer game!
Batman: Arkham Asylum Game of the Year Edition
Metacritic: 91
Average Price: $19.99
ESRB: Teen
The Dark Knight reigns in the predecessor of Batman Arkham City, and you've never had this much fun taking control of him. Arkham Asylum has been taken over by the notorious Joker, and what's on his agenda? Taking control of Arkham city of course, but he must make the right strategic moves first. By gaining control of Arkham Asylum and her array of villains, the Joker will have the resources he needs to take control.
Arkham Asylum is a third person beat 'em up, that encorporates a detective mode, treasure hunting, and an upgrade system that allows Batman to improve his gadgets and gizmos. The game of the year edition includes addional game modes, and the option to play certain modes as the Joker himself.


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C.No. 3(12)ST-L&P/2003.
Islamabad, the 27th May, 2004.
Subject:- CONDONATION OF OUT-OF-TAX PERIOD INPUT ADJUSTMENT.
It has been reported to the Board that a number of cases have been made out and are pending in adjudication or appeal due to the fact that the input tax was claimed or adjusted by the registered person out of the relevant tax period.
2. In several such cases, the Appellate Tribunal or the High Court ordered for waiver of additional tax and penalty on the ground that this was merely a procedural lapse on the part of the taxpayer in which no loss of Government revenue was involved. In fact, in cases where the taxpayer claimed input tax adjustment in a period subsequent to the period in which it should have actually been claimed in terms of section 7 of the Sales Tax Act, 1990, the taxpayer has suffered a loss on account of such late claiming and excess payment of tax in the correct tax period.
3. Since late claiming of input tax is only a procedural lapse and no loss of the Government revenue is involved, the Board, in exercise of powers under section 74 of the Sales Tax Act, 1990, is pleased to condone the delay in claiming or adjusting input tax, provided the following conditions are fulfilled:
(i) the tax invoice or bill of entry on which input tax is claimed is genuine, in the name of the claimant, and contains all details specified in section 23 of the Sales Tax Act, 1990;
(ii) no input tax adjustment has earlier been taken on the same tax invoice or bill of entry;
(iii) in case of a tax invoice, payment was made in terms of section 73 of the Sales Tax Act, 1990; and
(iv) in case the input tax adjustment was claimed after three months of the tax period in which it should have been claimed in terms of section 7, the registered person files an application to the Collector of Sales Tax having jurisdiction giving reasons for such delay, and such Collector, on being satisfied that no input tax has been previously claimed or adjusted on such tax invoice or bill of entry, issues a written order permitting such adjustment.
4. Thus, all cases in which input tax was claimed or adjusted by a registered person within three months after the tax period in which it should actually have been claimed in terms of section 7 of the Sales Tax Act, 1990 stand condoned and the taxpayers need not approach any official of sales tax for this purpose. The fulfillment of the conditions mentioned above shall be verified at the time of audit. However, in cases where input was claimed after three months of the appropriate tax period, an order of the Collector of Sales Tax concerned is required for availing the benefit of this General Order.
(Dr. Ashfaq Ahmed Tunio)
Secretary (ST-L&P)


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Enliven's Levin Home offers rest home, dementia and hospital level care services, as well as short term respite, health recovery care and a day programme. For more information or to arrange a tour free phone 0508 ENLIVEN or email email@example.com.
Quality of Care
Caring Staff
Responsive Mgmt
Outdoor Activity
Indoor Entertainment
Social Atmosphere
Enjoyable Food
This facility is owned by Presbyterian Support Central.
Levin Home for War Veterans, like all Enliven Central homes, embraced an elder directed model of care called the Eden Alternative.
This means we work to ensure elders have companionship, variety and spontaneity, fun, meaningful activity and purpose in their lives. It ensures that elders are involved in decisions that relate to both their personal wellbeing and what happens at their home. Here, residents are supported to maintain their independence and routines, and to continue with hobbies, interests and passions, in a way that's right for the individual.
For more information or to arrange a tour free phone 0508 ENLIVEN or email email@example.com. Please note we are unable to respond to messages sent through this website.
No. of Units 73
No. of Beds 73
Levin Home for War Veterans
Audit Certification period: 36 months (Good)
Certificate renewal date: 14th August, 2019
Auditor: Health and Disability Auditing New Zealand Limited
Click here to view latest audit findings
All rest homes and aged residential care facilities are certified and audited to ensure they:
|Oh dear, no one has shared their experience about this facility yet. Be the first to add a review.
Know someone that would like to place a review but doesn't have access to a computer?
Download a printable FREEPOST form here


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Jordan Munson, a Grand Valley State junior linebacker from Petoskey, saw his football season end before it began, with a torn Achilles tendon.
Munson, a junior linebacker, missed the 2005 season with a knee injury, before playing on the Lakers' 2006 NCAA Division II national championship team.
Spencer Beatty, a sophomore from Harbor Springs, took 10th overall for Michigan State at the Jeff Drenth Memorial 5K at Central Michigan University, with a time of 15 minutes, 36.3 seconds. Van Tate, an MSU sophomore from Petoskey, was 23rd.
For the Spartans' women's team, Thereseann Zimmerman, who ran for two seasons at Boyne City, was second overall for MSU, with a time of 18:41.7.


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Article Summary: "Word problems teach children to become creative thinkers.
In history we have many men and woman who fall into that category, like
Shakespeare for instance. This will also teach children to become independent
thinkers and they will come up with concepts and designs that are new and
As a child I absolutely loved doing word problems. Even back then I loved visualizing and playing with words and numbers. Bringing together the ability to use words and math is creative and helps us in our everyday lives. It is one of those abilities that you can use for the rest of your life.
The values of word problems can be seen as the ability too visualizes are progressively developed. From a young age children are taught to play with objects, when we get older that same ability is taken to a higher level by doing word problems. It helps and assists in the general development of human beings. Teaching you, to bring things in context with one another.
Word problems teach you to accept a challenge but also to persevere and use both logic and creative ability combined. When you visualize the word problem you will be able to get to the solution quicker. Most of us enjoy a good challenge; after all, it gives spice to life doesn't it. It makes a boring day interesting and a good challenge can even revitalize all your senses.
When solving word problems you do not need difficult problem solving techniques, but you can make use common sense to solve the problem. This is especially useful in cultures where they only have basic funding and accessories. Sometimes we want to think complicated instead of logical, and most solutions lie in logical thinking.
Word problems teach children to become creative thinkers. In history we have many men and woman who fall into that category, like Shakespeare for instance. This will also teach children to become independent thinkers and they will come up with concepts and designs that are new and exciting.
Word problems are a caterpillar in order to develop a good understanding. Word problems are very valuable in teaching children to solve problems in their everyday lives. They can take their real live situations and apply the same principles to get to a solution.
Word problems give children the ability to bring together reality and math; this will equip them to do the same with real life situations. Reality can sometimes be harsh and cruel, but by applying word problem principles they get in touch with reality and start to see the world as a friendly place.
Classrooms can become alive and excited when using real objects to solve word problems. Things like coins, matches, stones, leaves and even food like nuts and raisins can be used with great success.
We live in a serious world with serious problems. There is seldom a child that is not affected by it. By making the learning experience fun, children can be children again. Word problems can be a fun activity and something to look forward too.
Graphing requires skill and by starting to implement it into the word problem they learn it playfully. Starting with simple lines, and calculations. Then once they get to the more serious kind of graph they have the basic foundation on how to do it.
When doing word problems color and difference can be brought into the equation. Playfully children are learning how to use color and combine it with numbers. New textures can be used and introduced as well.
A Word problem lays a new kind of network. It opens a new door of opportunity to kids. They are introduced to math in a new way that comes to life and entices them. They discover that math can be interesting and enjoyable at the same time.


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I love the historical geography of New York City, and the Ephemeral New York blog is all about it! Here's a very cool place I would never have discovered on my own: the old Grammar School 47, built in 1855, which incredibly still exists (and is still recognizable) in Greenwich Village. Its history is pretty interesting, so take a look!
"Proper but gloomy" is how one architectural writer characterizes this Italianate brownstone building at 34 East 12th Street.
"Lovely and enchanting" might be a better description. For a long time, this 19th century beauty was covered up behind scaffolding and brown paint. Now that its facade is back in view, its history deserves a shout out too.
The building opened in 1855 as Grammar School 47. That makes it one of the oldest schoolhouses in the city, and it's also a rare public school at the time that was reserved for girls only.
"In 1854, the year before Public School 47 was built, East 12th Street between Broadway and University Place consisted mainly of houses and stables," according to the Landmarks Preservation Committee report, which designated it a landmark in 1998.
The city school board wanted to expand the number of schools, especially for girls. "It was the Board's…
View original post 101 more words


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Alexander Amosu to Create World's Most Expensive iPhone 6!
The Nigerian high-class designer, who already has world records for most expensive iPhone 2, Blackberry, designer suit and exclusive champagne, will use 18 carat gold.
A 'blinged-up' version of the iPhone 6 is set to go on the market for a whopping £1.7million after Apple commissioned a luxury designer to create the handset.
Alexander Amosu, who previously created diamond-clad forms of the iPhone 2, will also create a luxury adaptation of Apple's new release from solid 18 carat gold.
The 'Amosu Call of Diamond iPhone 6′ will take two months to make and will be painstakingly handset with over 6,127 brilliant cut diamonds. The Apple logo will be cut from 51.29 carat gold with a cushion flawless finish and would br be sold for a whooping ₦357 million!!!
Follow @mridontryblogs and @hollamooy for more scoop..