text: Legends of the Moselle Rhine and Main & Prague - 11 day $ Request a quote Your progress Departure month Departure date Pick your suite Request a call from a cruise specialist You are currently viewing Trier to Prague in 2019 View map You may also be interested in Prague to Trier in 2019 Prague to Trier in 2020 Trier to Prague in 2020 * From price is for a 09 June 2019 departure. For a full list of pricing and availability, please see below. All prices are per person, twin share in CAD, based on two guests sharing. Terms and conditions apply and we reserve the right to withdraw our offers at any time. Please note, the ship operating a particular cruise is subject to change. View your 11 day itinerary Day 1 Arrive at Frankfurt International Airport and transfer to Bernkastel to board your Emerald Waterways luxury river cruise ship where you will be welcomed by your Captain and crew. This evening, enjoy your first dinner on board with your fellow travellers. Meals included: Dinner Day 2 Bernkastel Dating back to 3000BC, Bernkastel is situated along the banks of the Moselle River and home to well-preserved buildings dating back to 1416. Enjoy a guided walking tour, where you will have a chance to stroll through the medieval marketplace with its gabled timber-framed houses castle ruins and town gate. Historically a winegrowing town, vines cover the steep-slopes surrounding the village. Alternatively, you will have a chance to take part on a guided bike tour in the Bernkastel area. Tonight, the Captain will be delighted to host a gala dinner. EmeraldACTIVE: Guided biking tour in the Bernkastel area EmeraldPLUS: Wine Tasting Meals included: Breakfast, Lunch, Dinner Day 3 Cochem Today you arrive at the enchanting town of Cochem. In the morning you will have a guided walk and the opportunity to visit the Reichburg Castle. Meals included: Breakfast, Lunch, Dinner Day 4 Koblenz Today you arrive in Koblenz, where you will have a guided tour and a chance to visit the Ehrenbreitstein Fortress on the opposite side of the river. This fortress was part of the Prussian defences against the French in the 19th century and later used as a headquarters for the American military during WWII. In the afternoon, sail through the spectacular Rhine Gorge, passing countless castles and vineyards as well as the infamous Lorelei statue and Pfalzgrafenstein Castle, which was built on an island in the middle of the river as a medieval toll station. Countless vineyards and medieval castles line the shores of this section of the river, with photo opportunities at every bend. EmeraldPLUS: Regional wine lecture on board Meals included: Breakfast, Lunch, Dinner Day 5 Miltenberg - Wertheim Welcome to Miltenberg, a picturesque village on the Main River, which creates an imitable feeling of Bavarian life in medieval times due to the Old Town being lined with well-preserved half-timbered buildings. The gothic Merchant Hall is an impressive symbol of past affluence created by trade from river traffic. After your included tour of Miltenberg and free time, you will be transferred by coach to the stunning medieval glass-blowing town of Wertheim. EmeraldACTIVE: Guided hike around Miltenberg area Meals included: Breakfast, Lunch, Dinner Day 6 Würzburg Known as the "Pearl of the Romantic Road", Würzburg is surrounded by sloping hills covered with vineyards. Visit the Bishops' Residenz, one of Germany's largest and most ornate baroque palaces and a UNESCO World Heritage Site. Your tour highlights the palace's unique staircase, elaborate 18th century frescoes and the amazing 3–dimensional stuccowork. This evening, the Captain will be delighted to welcome you to the Captain's Farewell Dinner. EmeraldPLUS: Wine tasting at the Bishop's Residenz Cellar Meals included: Breakfast, Lunch, Dinner Day 7 Bamberg Relax on board this morning as we cruise to Bamberg. Feel the magic of the past as you explore this UNESCO World Heritage city with your guide. Boasting one of Europe's largest intact medieval town centres, Bamberg is bursting with character and charm. At the town centre is the largest preserved old quarter in Europe. Around 2,400 listed buildings and the centuries–old garden quarter form a special cultural heritage. Admire hundreds of building façades richly decorated in fascinating detail with spectacular ornamentation. Meals included: Breakfast, Lunch, Dinner Day 8 Nuremberg Disembarkation – Prague After breakfast be transferred by coach from Nuremberg to Prague. Situated on the banks of the River Vltava in central Bohemia, this beautiful city is rich in history and is home to some of the world's most pristine collections of architecture. Included is a three night stay in Prague. Meals included: Breakfast Day 9 Prague This morning we explore the sights of the Old Town Square on a guided walking tour. We see Mozart´s Theatre, Little Square and Astronomical Clock. We continue our tour and walk across the Charles Bridge spanning the River Vltava and full of portrait artists and small vendors, to board our coach to drive to the 1,000–year–old Prague Castle area. With our local guide we walk through Hradcany Square, for the spectacle of the Changing of the Guard. See the magnificent Loreta Monastery, and arrive at Hradcany Castle. Here we see Old Kings Palace, St. George´s Monastery, and The National Gallery painting. EmeraldPLUS: Local Dinner with Entertainment Meals included: Breakfast, Dinner Day 10 Prague Your Tour Director is on hand to help plan your day's exploring. The baroque quarter of Mala Strana is a must see, as is Josefov, the Jewish quarter. You will no doubt return to the lively atmosphere around the Charles Bridge for another look. DiscoverMORE: Tastes of Czechia (extra expense) Meals included: Breakfast Day 11 Prague After breakfast this morning, you will be transferred to the airport to catch your onward or homebound flight. Meals included: Breakfast View map View our pricing and availability Select your preferred departure Select your preferred suite on the Deck plans Legends of the Moselle Rhine and Main & Prague Departure City Return City Departure Date Return Date Selected Suite Configuration TWIN/DOUBLE Per Person Get a quote or call to book 1 (844) 433-1781 *Offer expires You selected a Disclaimer: Your email does not constitute a guaranteed quote price and is subject to change and availability. Scenic reserves the right to increase/decrease our advertised tour prices at any time before your booking is confirmed. Request a quote Please complete the form below and one of our reservation agents will contact you within 48 hours. If you have a preferred sailing date or cabin category please provide these details in the comments box so we can send you an accurate quote. Preferred method of communication: Email Phone Prefix * Mr Mrs Ms Miss Dr Professor Other Please select Your first name * Please enter your first name Your last name * Please enter your last name Your email address Please enter a valid email address Your phone number Please enter your phone number Your comments I would like to receive information, offers, and up-to-date product news by: Email Submit All prices are per person, twin share in CAD based on two guests sharing. Customers rate Scenic Based on 0 reviews powered by All-inclusive luxury, exclusively with Emerald Waterways With Emerald Waterways, there are no hidden extras; you can afford to leave your wallet at home. More about All-inclusive If you're ready to book, or just need more information... Speak to an expert cruise specialist Request a brochure Request a quote 21/02/2019 21:03:01.899


text:
Definition of 'living'
Word forms: plural livings
1. countable noun [usually singular]
Father never talked about what he did for a living.
He earns his living doing all kinds of things.
Synonyms: livelihood, work, job, maintenance More Synonyms of living
2. uncountable noun
3. adjective [ADJECTIVE noun]
4. plural noun
6. living proof
COBUILD Advanced English Dictionary. Copyright © HarperCollins Publishers
Video: pronunciation of 'living'
possessing life; not dead
(as collective noun preceded by the)
the living
having the characteristics of life (used esp to distinguish organisms from nonliving matter)
currently in use or valid
living language
5. Compare extinct (sense 1)
6. geology another word for live2 (sense 15)
8. (prenominal)
the living daylights
the condition of being alive
the manner in which one conducts one's life
fast living
the means, esp the financial means, whereby one lives
12. Church of England another term for benefice
13. (modifier)
of, involving, or characteristic of everyday life
living area
Collins English Dictionary. Copyright © HarperCollins Publishers
alive; having life; not dead
of persons alive
within living memory
hewn from the living rock, a living stream
still spoken and undergoing changes
a living language
of life or the sustaining of life
living conditions
suited for social and recreational activities in a house
the living area
presented in person before a live audience
living theater
the living daylights
the state of being alive
the means of sustaining life; livelihood
to work for a living
manner of existence
the standard of living
Idioms:SYNONYMY NOTE: living, alive, the latter usually a predicate adjective, are the simple, basic terms for organisms having life or existence, , living figuratively connoting continued existence or activity [a living faith] and alive, full force or vigor [prejudices kept alive by ignorance]; animate, opposed to inanimate, is applied to living organisms as distinguished from lifeless ones or inorganic objects; animated is applied to inanimate things to which life or, in extended use, motion has been imparted [animated cartoons]; vital is applied to that which is essential to organic life [vital functions] or to the energy, force, etc. manifested by living things
Webster's New World College Dictionary, 4th Edition. Copyright © 2010 by Houghton Mifflin Harcourt. All rights reserved.
Example sentences containing 'living'
These examples have been automatically selected and may contain sensitive content. Read more…
The living room ran into the dining room which was overlooked by the open kitchen: all white. YESTERDAY'S SHADOW (2002)You told me you were living in Wisconsin - 'Bruce, that's where I do live. YESTERDAY'S SHADOW (2002)They were a gentle, happy people who seemed to want nothing more than the same happiness for all living things. TREASON KEEP (2002)
The living are the dead on holiday
Trends of 'living'
Extremely Common. living is one of the 1000 most commonly used words in the Collins dictionary
View usage for:
Translations for 'living'
British English: living /ˈlɪvɪŋ/ NOUN
The work that you do for a living is the work that you do to earn the money that you need.
He earns his living doing a variety of things.
- American English: living
- Arabic: مَعِيشَةٌ
- Brazilian Portuguese: sustento
- Chinese: 生活
- Croatian: življenje
- Czech: živobytí
- Danish: underhold
- Dutch: inkomen
- European Spanish: vida necesidades
- Finnish: eläminen
- French: vie
- German: Lebensunterhalt
- Greek: τρόπος ζωής
- Italian: vita vivere
- Japanese: 生活
- Korean: 생활
- Norwegian: liv
- Polish: egzystencja
- European Portuguese: vida
- Romanian: trai
- Russian: существование
- Spanish: vida
- Swedish: livsuppehälle
- Thai: หาเลี้ยงชีพ
- Turkish: canlı yaşayan
- Ukrainian: засоби до існування
- Vietnamese: sinh hoạt
Nearby words of 'living'
Related Terms of 'living'
Definition of living from the Collins English Dictionary
New collocations added to dictionary
Collocations are words that are often used together and are brilliant at providing natural sounding language for your speech and writing.
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Unlock language with the Paul Noble method
No books. No rote memorization. No chance of failure. Your chance to have a one-to-one lesson with best-selling language expert Paul Noble, try a FREE audio sample of his brand new Mandarin Chinese course.
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Word lists
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13th edition of the Collins Dictionary out now!
Updated with all the very latest new words and senses, this new 13th edition is an unparalleled resource for word lovers, word gamers, and word geeks everywhere. #homeoflivingenglish
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subset: commoncrawl


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Fresh from our fleet, at prices you can't ignore.
Look to Enterprise Car Sales, online and on their lots. Preview their great selection of vehicles at CUautodeals.com. Experience the selection and service of Enterprise Car Sales.
Check out our featured vehicles - now is the time to buy.
Enterprise Car Sales offers Fort Worth City Credit Union members special offers and deals! Visit any Enterprise location in the DFW area, and Enterprise will give you great prices on over 5,000 quality used cars, trucks, vans and SUVs! Plus, you'll get great low rates when you finance a vehicle through Fort Worth City Credit Union.
Log in to Home Banking or give a Virtual Branch Officer a call at 817.732.2803 to get pre-approved today! Then visit Enterprise Car Sales to see a great selection of used vehicles or preview the selection online at here!
Enterprise Car Sales Locations
Arlington..............1112 E. Division St............866.832.2192
Plano....................4434 W Plano Pkwy..........866.832.2190
Enterprise hand-selects great cars from their fleet, backs them with one of the industry's best used car warranties, then offers them at unbelievably low prices. Plus, if you buy a car from Enterprise Car Sales and it doesn't meet your approval, they'll buy it back, no questions asked. That is just how Enterprise has chosen to do business for the past 50 years. The Right Way. The Enterprise Way. Enterprise also offers:
• No-haggle pricing
• Vehicle Certification
• 7-day Repurchase Agreement***
• 12/12 Limited Powertrain Warranty**
• 12-month Roadside Assistance****
• Free CARFAX® Reports
• Trade-Ins welcome
Remember, log in to Home Banking to get pre-approved today and take advantage of this great offer!
Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
Photo for illustration only. The "e" logo, Enterprise, "Enterprise Certified" & "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2019 Enterprise Car Sales.
** Limited Powertrain Warranty begins on the vehicle purchase date & extends for 12 months or 12,000 miles, whichever comes first. Coverage runs concurrently with manufacturer warranty. Restrictions apply. See a Sales Consultant for details.
**** Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) & its affiliated clubs in the U.S. & Canada. Some limitations & restrictions apply.
*** For a period of 7 days after the date of purchase or 1,000 miles beyond the odometer reading at purchase, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 restocking fee, (as allowed by law). Restrictions apply. See a Sales Consultant for details.
Fort Worth City Credit Union does not assume any liability for any purchases or promotions made from or by a third party.
Sam Pack's Five Star Ford NRH
Members of Fort Worth City Credit Union may purchase almost any car or truck at the lowest NO HASSLE FORD X-PLAN INVOICE PRICING available at the time of purchase. Due to the nature of this offer with FWCCU, all incentives must be coordinated through our Sam Pack Corporate Community Network Plan Manager, Crystal Sanders.
Sam Pack's Five Star Ford NRH Community Network Plan offers:
• Largest Selection of Ford Products in DFW
• Hundreds of Used, Certified AND Hard-to-Find High-line Pre-owned vehicles
• NO HASSLE Used Car EMPLOYEE Pricing
• 20% OFF Any Scheduled Service Maintenance*
• 10% OFF Parts Purchased Over the Front Counter*
• First New Car Oil Change for $9.95**
• Free Loaner Cars for Vehicles In-Service Overnight***
• Free Shuttle Service Within 10-mile Radius of Dealership
It's as Easy as 1-2-3 and it's FREE to be a part of the program!
Contact Your Sam Pack Community Network Plan Manager (on your ID Card). Our plan manager is Crystal Sanders, 469.583.8464 or firstname.lastname@example.com. You may pick up or request an ID Card from the Credit Union or register for your free card HERE. Set an appointment through our Sam Pack Community Network Plan Manager - Crystal Sanders. Then, simply show your ID Card UP FRONT to receive your Sam Pack Community Network Plan Savings! For more information, contact:
Crystal Sanders
Five Star Ford
6618 NE Loop 820
North Richland Hills, TX 76180
Sam Pack Community Network Plan
*May exclude some parts or services already discounted
**Excludes Diesels
***Must qualify for overnight stay and vehicle be reserved by appointment only.
All names, marks, trademarks and logos used are the property of their respective owners.
This not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms subject to change without notice. See Credit Union for full details.
Fort Worth City Credit Union does not assume any liability for any purchases or promotions made from or by a third party.
By accessing this link, you will be leaving the Credit Union's web site and entering a web site hosted by another party.
Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy, accessibility, and security policies of the Credit Union's web site. The other party is solely responsible for the content of its web site.
We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union


text:
Facebook gets hacked though the "View As" Option. 50 million users affected! Drawn live during my appearance on Daily Tech News Show on 9/28/18. Measures 11 x 17 (A NEW SPECIAL SIZE for Roundtable Discussion Shows!) Suitable for framing.
Did you know you can get every single one of these prints as a digital file? It's true! Back me at Patreon at the DTNS lover level and get a digital version of this print (and others) for less expensive than buying it here!
If you want to get this print immediately, you can also choose the "Digital Option" and get it immediately after I finish drawing it for the show!
You can also get a customized DTNS Boss avatar if you back my Patreon at the $2.50 level or higher. Go back me now, won't you?


text: OTCMKTS:SSEZY - SSE PLC/S Stock Price, News, & Analysis Sign in or create an account to add this stock to your watchlist. Get Started $15.4750 -0.06 (-0.42 %) (As of 02/22/2019 04:00 PM ET)Previous Close$15.54Today's Range$15.45 - $15.527552-Week Range$12.88 - $19.66Volume169,613 shsAverage Volume321,233 shsMarket Capitalization$15.71 billionP/E Ratio9.61Dividend Yield4.55%Beta0.78 ProfileDiscussionAnalyst RatingsChartDividendHeadlinesSocial Media Share on FacebookShare on TwitterShare on LinkedInShare on RedditShare on StocktwitsPrint this articleShare by Email SSE plc engages in the generation, transmission, distribution, and supply of electricity. The company operates through three segments: Wholesale, Networks, and Retail. It generates electricity from gas, oil, coal, water, and wind. The company transmits and distributes electricity to approximately 3.7 million homes and businesses across the north of the central belt of Scotland and also central southern England; owns and maintains 132 kilovolts (KV), 275kV, and 400kV electricity transmission network; and manages 130,000 kilometers of overhead lines and underground cables, 106,000 substations, and approximately 100 subsea cables. It also produces, stores, distributes, and supplies gas; and offers other energy-related services. In addition, it engages in electricity and utility contracting, telecommunications, energy trading, insurance, and property holding businesses, as well as provision of corporate and maintenance services. The company was formerly known as Scottish and Southern Energy plc and changed its name to SSE plc in September 2011. SSE plc was incorporated in 1989 and is based in Perth, the United Kingdom. Receive SSEZY News and Ratings via Email Sign-up to receive the latest news and ratings for SSEZY and its competitors with MarketBeat's FREE daily newsletter. Industry, Sector and Symbol Stock Exchange OTCMKTS Industry Electric services Sub-IndustryN/A SectorComputer and Technology Current SymbolOTCMKTS:SSEZY Previous Symbol CUSIPN/A CIKN/A Webwww.sse.com Phone44-17-3845-6000Debt Debt-to-Equity RatioN/A Current RatioN/A Quick RatioN/APrice-To-Earnings Trailing P/E Ratio9.61 Forward P/E Ratio17.01 P/E Growth1.22 Sales & Book Value Annual Sales$41.41 billion Price / Sales0.38 Cash Flow$2.9420 per share Price / Cash Flow5.26 Book Value$6.84 per share Price / Book2.26Profitability EPS (Most Recent Fiscal Year)N/A Net IncomeN/A Net MarginsN/A Return on EquityN/A Return on AssetsN/AMiscellaneous Employees20,785 Outstanding Shares1,015,150,000Market Cap$15.71 billion Next Earnings DateN/A OptionableNot Optionable SSE PLC/S (OTCMKTS:SSEZY) Frequently Asked Questions What is SSE PLC/S's stock symbol? SSE PLC/S trades on the OTCMKTS under the ticker symbol "SSEZY." How often does SSE PLC/S pay dividends? What is the dividend yield for SSE PLC/S? SSE PLC/S announced a Semi-Annual dividend on Wednesday, January 2nd. Investors of record on Friday, January 18th will be paid a dividend of $0.354 per share on Friday, March 22nd. The ex-dividend date of this dividend is Thursday, January 17th. View SSE PLC/S's Dividend History. What is the consensus analysts' recommendation for SSE PLC/S? 5 Wall Street analysts have issued "buy," "hold," and "sell" ratings for SSE PLC/S in the last year. There are currently 2 hold ratings and 3 buy ratings for the stock, resulting in a consensus recommendation of "Buy." View Analyst Ratings for SSE PLC/S. Has SSE PLC/S been receiving favorable news coverage? News articles about SSEZY stock have trended somewhat positive this week, InfoTrie Sentiment Analysis reports. The research group ranks the sentiment of press coverage by monitoring more than six thousand news and blog sources. The firm ranks coverage of publicly-traded companies on a scale of negative five to positive five, with scores closest to five being the most favorable. SSE PLC/S earned a daily sentiment score of 1.7 on InfoTrie's scale. They also gave media stories about the technology company a news buzz of 10.0 out of 10, indicating that recent press coverage is extremely likely to have an impact on the company's share price in the next few days. Who are some of SSE PLC/S's key competitors? Some companies that are related to SSE PLC/S include Enel S.p.A. ADS (ENLAY), Southern (SO), Dominion Energy (D), American Electric Power (AEP), CLP (CLPHY), PPL (PPL), DTE Energy (DTE), Eversource Energy (ES), FirstEnergy (FE), Edison International (EIX), Korea Electric Power (KEP), Tenaga Nasional Bhd (TNABY), Entergy (ETR), CenterPoint Energy (CNP) and Fortis (FTS). What other stocks do shareholders of SSE PLC/S own? Based on aggregate information from My MarketBeat watchlists, some companies that other SSE PLC/S investors own include Energy Transfer LP Unit (ET), Cornerstone Total Return Fund (CRF), CBL & Associates Properties (CBL), Government Properties Income Trust (GOV), Cornerstone Strategic Value Fund (CLM), SunCoke Energy Partners (SXCP), Arlington Asset Investment (AI), Martin Midstream Partners (MMLP), SandRidge Permian Trust (PER) and NGL Energy Partners (NGL). Who are SSE PLC/S's key executives? SSE PLC/S's management team includes the folowing people: Mr. Alistair Phillips-Davies, CEO & Exec. Director (Age 52)Mr. Gregor Alexander, Fin. Director & Exec. Director (Age 56)Mr. Martin Pibworth, Wholesale Director & Exec. DirectorMr. Anthony Keeling, COO & Co-Head of RetailMs. Sally Fairbairn, Director of Investor Relations & Company Sec. How do I buy shares of SSE PLC/S? Shares of SSEZY can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is SSE PLC/S's stock price today? One share of SSEZY stock can currently be purchased for approximately $15.4750. How big of a company is SSE PLC/S? SSE PLC/S has a market capitalization of $15.71 billion and generates $41.41 billion in revenue each year. The technology company earns $1.09 billion in net income (profit) each year or $1.61 on an earnings per share basis. SSE PLC/S employs 20,785 workers across the globe. What is SSE PLC/S's official website? The official website for SSE PLC/S is http://www.sse.com. How can I contact SSE PLC/S? SSE PLC/S's mailing address is Inveralmond House 200 Dunkeld Road, Perth X0, PH1 3AQ. The technology company can be reached via phone at 44-17-3845-6000 or via email at [email protected] MarketBeat Community Rating for SSE PLC/S (OTCMKTS SSEZY)Community Ranking: 2.3 out of 5 ( )Outperform Votes: 151 (Vote Outperform)Underperform Votes: 172 (Vote Underperform)Total Votes: 323MarketBeat's community ratings are surveys of what our community members think about SSE PLC/S and other stocks. Vote "Outperform" if you believe SSEZY will outperform the S&P 500 over the long term. Vote "Underperform" if you believe SSEZY will underperform the S&P 500 over the long term. You may vote once every thirty days. This page was last updated on 2/23/2019 by MarketBeat.com StaffFeatured Article: Stock Symbols, CUSIP and Other Stock Identifiers


text: The Buffer station can buffer and separate up to five work pieces. Diffuse sensors at the beginning of the conveyor detect the inserted work pieces. Light barriers upstream and downstream of the separator control the process: If the transfer point is free, the separator passes on a work piece. The separator is actuated by a short-stroke cylinder with a deflecting mechanism. The end positions of the short-stroke cylinder are detected by means of end-position sensors.


text:
Affect Of Technology On Enterprise
There are amusing and horrific tales of the trials and tribulations associated with the transfer of expertise, and the implementation of recent methods and structure. A brand new, free replace coming to Home windows 10 early next yr will let nearly anyone use a VR headset with their COMPUTER. My consciousness of recent expertise was enhanced when an emerged know-how grew to become out there to be used. Unfortunately, these are additionally the processes that sometimes are selected for the primary priority in terms of implementing a transfer in know-how.
Modular and open-supply kits are making DIY manufacture simpler, so you can make your own merchandise. Nonetheless, computer systems are harder to manage and transport from different locations throughout the school. Know-how impacts artists and how they painting their fictionalized topics, but the fictional world provides back to science by broadening imagination.
On account of their openness, they are going …


text:
Some reasons for a chemical health assessment are concern about own use, upon a request from a concerned loved one, and to complete a legal requirement.
Chemical health assessment is used to obtain substance use history, identify the impacts that are present from the substance use, and inquire further information from a collateral contact (family member or friend). The assessment takes about 1.5 to 2 hours. The information is used to determine if there is a concerns and/or provide recommendations. Know that your chemical health assessment is confidential unless you decide to share the information.
Provider: Thao-Ha Phan
Payment options: Out of pocket service (Cash, Check, Credit Card)


text:
Melia International
Vouchers, deals, discounts and promos 2019
Sol Melia - World's largest resort hotel company
Founded in 1956, Sol Melia is third hotel chain in the European ranking and the twelfth largest hotel chain in the world, as well as the world leading hotel chain for holidays, with more than 300 establishments in 30 countries and across 4 continents.
Melia International
Enjoy this offer 20% off with Melia Hotels at Benidorm - Melia Villaitana. Located 20 minutes from Alicante, Meliá Villaitana was designed to simulate a Mediterranean village. It is located between two golf courses designed by Nicklaus Design and has fantastic views of the Gran BahÃa on the Costa Blanca.


text:
Forex Typhoon Review
|Forex Typhoon
|Ease Of Use:
|Customer Support:
|User reviews:
|Overall User Rating:
Forex Typhoon is automated forex trading robot software created by James Johnson. The creator claims that this automated Forex Typhoon robot can easily help you make $32,376 in just 42 days on complete autopilot.
However, does Forex Typhoon work or another forex robot?
Go to Forex Typhoon official site
Actual Consumer Feedbacks
Portion of actual user review from ezinearticles.com
Portion of actual user review from forextyphoon.org
Portion of actual user review from forexmachines.com
Our Verdict
The general online user reviews show that this one is probably not the best investment, but there may be something here if you are willing to give it a shot and try a few things.
As always, if you decide to buy run it on a demo account first to see how it works (60 days should show you the results). If the results aren't acceptable be sure to return it for a full refund.
Go to Forex Typhoon official site
|Product Name:
|Product Type:
|Forex Robot
|James Johnson
|Instant Delivery
|Warranty Information:
|60 days money back
|Related Searches:
Forex Typhoon results, feedback, performance, opinions, features, complaints, discount, comments, research, rip off, scam, cons, criticisms, review, coupon
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Pork and Tomato Carnitas
Mexican food is one of our favorites! So I am always on the lookout for healthy alternatives to some of our favorite dishes. One of Riche's favorites are pork carnitas. When I found this Weight Watcher recipe, I was excited to give it a try and even more excited when Riche went back for two helpings! This recipe is perfect because not only can you prepare it the way the recipe is presented, you can also use leftover pork tenderloin (chopped) and add the rest of the ingredients for a quick week night meal (and a great way to turn one tenderloin into two meals!) I used small flour tortilla's that I already had on hand rather than the corn that the recipe suggests. Both work well. You could even turn the carnitas into bean tostadas by stirring a 15 1/2-ounce can of black beans, rinsed and drained, into the pork mixture and heating through. I spiced our version up by using hot chili powder with red pepper flakes. Enjoy y'all! (The recipe serves 4 and has a WW points plus value of 7.)
Pork and Tomato Carnitas
(courtesy of Weight Watchers)
Heat the oil in a large nonstick skillet over medium-high heat. Add the pork, onion, and garlic; cook, stirring, until the pork and onion begin to brown, about 10 minutes. Stir in the tomatoes, vinegar, chile powder, cumin, and salt. Reduce the heat and simmer, stirring occasionally, about 10 minutes. Stir in the cilantro. Meanwhile, heat a medium skillet over medium-high heat. Add the tortillas, one at a time, and cook until crispy and browned in spots, about 2 minutes. Turn and crisp on the second side, about 2 minutes longer. Lay the warm tortillas out on a work surface and spoon 3/4 cup of the pork mixture along the middle of each tortilla; fold in half to enclose the filling. Yields 2 carnitas per serving.
(Top the tortillas with sliced romaine lettuce and the pork mixture, then sprinkle with cheese, chopped tomato and onion. Adding these ingredients will increase the PointsPlus values.)


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THE BROKEN HEART SERIES By ANGEL ROSE
Dark drama, love, erotic-suspense.(ADULT CONTENT 18 AND OVER ONLY)
This is a story that will grip your heart and leave you wondering what will happen next to Jenesis. Jenesis has been tormented all of her life by her father, the monster underneath her bed. She has nightmares every night and lives her life consumed by her memories. She's never been intimate with a man. She trusts no one. She's never known true love.
The only person she's ever loved was her mother and when tragedy strikes, she decides to pick up and leave the memories that have tortured her soul behind.


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C14 (McCoy), Truck 14, Squad 14
At 2114 hours Company 14 was dispatched 1st and 2nd due special services to the 8500 block of Greenbelt Rd for fire reported in the apartment building. Engine 35 went on scene with smoke showing from the side charlie, terrace level of a 3 story, garden style apartment. Truck 14, 1st arriving special, set to work on gaining entry into the fire apartment, finding the fire, and completing primary searches while the Truck Driver and Tillerman laddered the building and gained access to the roof via that aerial ladder. Squad 14, 2nd arriving specials, set to work forcing entry into the rest of the building and completing primary searches. All searched turned up negative. Command called for the 2nd alarm shortly after arriving on scene due to extension up the siding of the building and into the roof line. Engine 35 and Company 14 made quick work of the fire and stopped it from spreading any further.
Company 14 was ready for service at 0017 hours.


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Early Pregnancy
What Medications May I Take When I'm Pregnant?
When you are pregnant, you are naturally more concerned with medications and any effects they may have on you or your baby. You may also hear different information about what medications are safe. This list includes medications with history of safe use in pregnancy. Use any medication for the minimal length of time necessary to obtain relief of your symptoms. For more information or to speak with someone about your medications please request an appointment.
Cold/Flu, Allergies or Respiratory Symptoms
- Rest, drinking lots of fluids, and a humidifier can relieve many symptoms.
- Tylenol (acetaminophen): use for fever and aches and pain of flu-like syndrome. Follow package dosing, not more than 4000mg per day. Remember that some cold medicines contain acetaminophen so be sure to read labels.
- Sudafed (pseudoephedrine): use according to package instructions. You will have to ask for this medication at the pharmacy counter and sign for it. Variations include: Mucinex-D, Tylenol Cold and Sinus
- Benadryl (diphenhydramine): use according to package instructions, available in adult and pediatric (liquid form) dosing
- Robitussin, Mucinex (guaifenesin): a cough syrup and expectorant, good to help thin mucus
- Any cough drops or throat sprays, choose sugar-free if you have Gestational Diabetes
- Claritin (loratidine) Zyrtec are available over the counter to treat seasonal allergies
- Nasal Crom or saline spray use according to package directions
- Neti Pot: very useful to relieve stuffiness and sinus symptoms
- Vaporub or heating pads on your back to help soothe aching muscles
- DO NOT USE Afrin, prolonged use of Afrin can actually make sinus drainage worse.
- Avoid AlkaSelzer Cold, Aleve Cold and Sinus, and Advil Cold and Sinus (any product that contains aspirin, ibuprofen, or naproxen)


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Nearly one in four Hong Kong workers suffers from a form of depression or similar symptoms, according to a survey by the University of Hong Kong (HKU).
More than three in 10 said they have lost interest in their daily life and a slightly lower number said they often feel worried, am730 reported Thursday.
The survey, which polled 1,031 workers aged 18 and above, was conducted by the university's social sciences research center for Joyful Mental Health Foundation.
More than one-third of the respondents blamed work as the main cause of mental pressure.
About 20,000 Hong Kong employees work at least 15 hours a day, official figures show.
Samson Tse, HKU associate dean of social sciences, said working environment, job security and promotion opportunities are putting pressure on workers.
He said the Hong Kong ratios are higher than those in other countries and called for more attention to the problem.
Supervisors should increase their awareness of their subordinates' mental health and consider it when approving leave applications, he said.
The survey also found that 62.9 percent of managers think hiring people with mental health issues would affect their business, especially those in the service industry.
Tse said the sooner workers with mental health issues adapt to their environment, the better.
– Contact us at [email protected]


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While it is now unlikely to see the legendary trio Luke Skywalker (Mark Hamill), Princess Leia (Carrie Fisher) and Han Solo (Harrison Ford) together again, Star Wars: Episode 8 – The Last Jedi still has some epic reunions lined up.
There have been a lot of talks with regards to Yoda appearing in the film as a Force ghost, making it more and more possible that he might actually pop by. Brand new information supporting this has emerged.
A Redditor has provided intel on what will happen in Star Wars: Episode 8 and shared it online. Right off the bat, fans are advised to take it with a pinch of salt as the details are yet to be corroborated.
Yoda is expected to make an appearance in The Last Jedi to help Luke with training Rey (Daisy Ridley). According to the leakster, Luke will be hesitant to teach her, at least at first.
It will take a lot of convincing on Rey's part to get him onboard in Star Wars: Episode 8. The Jedi master immediately shuts her down when she asks him to join the war to stop the First Order. As per the source:
"Luke states his days of fighting are over and the practice of Jedi fighting wars has ended. Rey becomes even more upset when Luke begins talking to the birds again, this time seemingly in an argument. Luke declares almost angrily that he will train Rey… if she can pass a test."
At some point in Star Wars: Episode 8, the Jedi apparently sees for himself that Rey deserves the chance after watching her save the lives of the little birds, possibly the creatures known as convorees, from a monster that emerges from the waters of Ahch-To.
Before beginning to teach Rey the ways of the Force in Star Wars: Episode 8, Luke allegedly turns to Force ghost Yoda for some advice, but only in secret. The leakster explains as follows.
"Luke consults the ghost of Yoda in secrecy. Yoda assures him he'll be right there along the way to help him train this girl."
It is unclear how exactly the conversation will go down, but by the end of it, Luke appears to be convinced that Rey has been using the Force all wrong, which makes sense of his change of heart about the Jedi as teased in the Star Wars: Episode 8 teaser trailer.
"Every time she's used it so far it's been for violence, but the force is most at its balance when there is peace. He teaches her to control her force impulses, to use the force in a more gentle way."
If the leak is to be believed, it would seem that Luke's different perspective about the Force and the Jedi in Star Wars: Episode 8 will have something to do with Yoda.
Either way, fans are once again reminded that the details contained in this leak remain unfounded. Many readers on Reddit are still expressing doubts even though they also see the likeliness of such events transpiring in Star Wars Episode 8 – The Last Jedi.
Some question why the leakster would not drop the intel in one go since he claims to know what happens in Star Wars: Episode 8 from start to finish. This gave the impression that he could be making things up as he goes.
Nevertheless, there were always expectations that Yoda will be part of Star Wars: Episode 8. It was revealed in the past that a puppet of the character was made especially for the movie.
Furthermore, Frank Oz, the voice behind the legacy character, hinted in an interview with Variety that the fallen Jedi Master will appear in the Star Wars sequel by denying talking about the film because he's "been asked not to."
Star Wars: Episode 8 – The Last Jedi will hit the cinemas December 15.
[Featured Image by Lucasfilm and Disney]


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A man shot in the leg during a 2015 terrorist attack is pushing the FBI to explain why one of its agents was at the scene and did nothing, and if the agent was filming the incident for the terrorists as part of his undercover work of trying to infiltrate the group.
Bruce Joiner was working security for the controversial "Draw Muhammad" event in Garland, Texas, when two radical Islamic extremists, Elton Simpson and Nadir Soofi, pulled up to the parking lot checkpoint where he was stationed. The two opened fire at the checkpoint


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Sponsored Listings:
Calvin H Tomosawa (Postmaster) email@example.com
201 Brookside Ave
Redlands, CA 92373
Redlands, CA 92373
The Redlands Post Office is located in the state of California within San Bernardino County. This location serves 33,423 Redlands residents with a median income of $69,130. It's estimated that approximately 53,347 packages pass through this post office each year.


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The programmes offered at César Ritz Colleges are based on the philosophy of César Ritz, founder of the famous Ritz-Paris hotel, who is widely recognized as the pioneer of luxury hotels. With hard work, innovation, flair and a touch of class, César Ritz accomplished an unprecedented career in the hospitality industry and rose to legendary status. It is his tradition of luxury, excellence and service that created the standards for hotels and restaurants throughout the world, setting the foundation for our international Swiss hotel management school.
Bachelor Degrees:
Bachelor of International Business in Hotel and Tourism Management
Master Degrees:
Master of International Business in Hotel and Tourism Management
Master of Arts in International Business and Tourism Management
Master of International Business in Hospitality Management
Master of Science in International Hospitality Management


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Summit Financial Group is a comprehensive planning and wealth management firm providing insight and solutions that assist clients with their financial dreams. Our goal is to educate clients so they understand their financial picture in order to implement solutions that match their priorities and resources. We aim to be the trusted resource for our clients and earn that distinction by consistently treating their wealth as if it was our own.
The "Why" behind our work has always been more important than the business metrics.
We spend meaningful time with clients building the framework for their financial life and making sure our recommendations fit their unique situation.
-Feature Article: Fear and Greed – Investor Psyche 10 Years After the Great Recession
-KUDOS! Rachael: Providing Aid to Sonoma County Fire Victims
-Summit U: Learn About Our New Course: Wealth Creation Today
-Our 16th Annual Charity Golf Tournament Tees Off Against Cancer
-Staff Spotlight: Welcome Connor and Kim
Our 16th Annual Golf Tournament Tees Off Against Cancer.
Click the link below to view the wrap-up and photos of the event.
2000 Crow Canyon Place, Suite 450
San Ramon, CA 94583
Check the background of this firm on FINRA BrokerCheck
December 21, 2018
December 13, 2018
December 6, 2018
This course addresses financial issues that pertain to the self-employed as well as employees of ...
Are you considering divorce, or in the midst of a divorce? As you consider your next steps and ...


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Here's what our customers say!
"Excellent job. Felt like being in a new house again... helpful and flexible, and was a pleasure to work with... gave a very competitive quote for the work and did exactly what they said they would. We will use again."
Customer, Baldock, Hertfordshire
"...workmanship was conducted to a high standard, whilst maintaining excellent housekeeping, which was provided by agreed quotation."
Customer, Letchworth Garden City, Hertfordshire
"...very good and I would highly recommend."
JAS Services, Hertfordshire


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The beginning of October marks the beginning of Breast Cancer Awareness Month. The beauty industry has collectively, over the years, built up a strong affiliation with the cause, and as usual there is a whole host of pink themed treats on offer, all of which contribute generously to various charities aimed at helping the cause. Here are a selection of the rosy beauty buys on offer:
Bobbi Brown French Pink Set, £35 (£5 donation) – this delicate pink blusher comes in the sleek black packaging that has become synonymous with the brand, and is accompanied by a pink handled blending brush – Available at Selfridges.com.
Nails Inc Nail Polish in Pinkie Pink, £11 (£1 donation) – Nails Inc have teamed up with Poppy Delevingne and Matthew Williamson to bottles of limited edition polish that feature two different designs – Available at Lookfantastic.com.
Jo Malone Red Roses Cologne 100ml, £78 (£5 donation) – Jo Malone's Red Roses Cologne is comprised of seven of the world's most beautiful roses, as well as violet leaves and a hint of lemon to give a light, fresh and feminine scen – Available at Jomalone.co.uk.
bareMinerals Limited Edition Moxie Lipgloss in Survivor, £19 (£5 donation) – bareMinerals' limited edition lipgloss is a long wearing pale pink shade that flatters all skin tones and can be paired perfectly with the warm brown eye shades that will be prominent this season. – Available at bareminerals.co.uk.
Avon Nailwear Pro + in Viva Pink, £6 (£1 donation) – this is one of Avon's best selling nail shades and throughout October proceeds from its sales will be donated to Breakthrough Breast Cancer. – Available at Avonshop.co.uk.
ghd Pink Diamond Styling Set, £135 (£10 donation) – ghd have recreated their iconic styler in a deep metallic pink especially for Breast Cancer Awareness Month. The set alson includes a pink-padded paddle brush, making it the perfect gift to buy early and reserve for Christmas. – Available at ghdhair.com.
Estee Lauder Evelyn Lauder and Elizabeth Hurley Dream Lip Collection, £28 (£5 donation) – this beautiful set includes the Pure Color Long Lasting Lipstick in Rubellite and Pure Color Sheer RollerGloss in Hot Pink as well as a pink two-toned clutch. The donations will go to The Breast Cancer Research Foundation, an independent not-for-profit organisation founded by Evelyn Lauder herself in 1993. – Available at Esteelauder.co.uk.
Glamglow Cure Sexy Mud Mask, £49.50 (25% profit donation) – Glamglow have launched a special edition of Hollywood's favourite exfoliating mud mask which combines volcanic minerals and french sea clay to provide gentle skin resurfacing and leave skin…well…glowing! The pretty pink packaging is sure to brighten up your dressing table too. – Available at Glamglowmud.co.uk.
Origins Pink Guava Drink Up Hydrating Lip Balm, £16 (£3 donation) – the subtle pink shade of this delicious lip balm as well as its intensely hydrating properties make this latest offering from Origins one of the handbag essentials of the season. – Available at Origins.co.uk.


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Manhattan Kitchen Display for SaleDecember 18, 2012
From Studio Becker's Collection M, this high gloss cherry kitchen features a perfect balance of beauty and function.
Curved cabinetry with impressive interior storage, deep-drawer pull-outs, frosted glass wall cabinets that fold up and out of the way, and an island with a glass bar top are just a few of the fabulous features. Absolute Black granite and stainless steel countertops and Miele appliances top off this stunning kitchen.
Read More
Traditional Kitchen Display for SaleDecember 18, 2012
This beautiful kitchen in a painted linen finish includes all the traditional elements of a classic.
Apothecary drawers, crown molding, pilasters and an island with natural walnut and lavastone countertops and a traditional gas range top the list.
Read More
Modern Wardrobe Display for SaleDecember 18, 2012
From Studio Becker's Ultimate Wardrobe System this Modern wardrobe in wenge stained oak, taupe and walnut accents includes a myriad of features.
Frosted glass sliding doors, extensive pull-out storage, shoe shelving in the glass-topped island, seasonal storage boxes and more make this compact wardrobe beautifully functional.
Read More


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Put options stock market crash26 comments
Como ganar dinero opciones binarias
More than assets available for trading. From any device, any time, with a highest level of security and beautiful managers in video chat! Registation will take less than a minute.
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In 2005-2006 CATW first partnered with Apne Aap to address the demand for commercial sex. This project was organized to help educate authorities, especially the police and the judiciary in addressing trafficking by focusing on the demand for commercial sex and appropriate protection and assistance for victims. Three trainings were carried out for law enforcement, legislators, judiciary, business persons and NGO leaders throughout India. Melissa Farley and Jean Enriquez helped to conduct the first training in Mumbai. Barbara Kryszko and Jean Enriquez represented CATW at the second training in Mumbai and Janice Raymond spoke at the third training/conference in Kolkata. As a result of this partnership the Handbook "Curbing Sex Trafficking: Containing the Demand" was developed.
In July, 2001, CATW helped launch an India-wide campaign in Delhi to combat the legalization of prostitution and its legitimation as "sex work." Prompted by a highly publicized sex-industry rally in Calcutta in March 2001 that called for the recognition of prostitution as work, the Delhi meeting brought together a network of human rights organizations, all of which work directly with women and children in prostitution. Lead organizations include Sanlaap in Kolkata; Prerana, NACSET and Nishant in Mumbai; the Joint Women's Programme – National, Prayas and MARG in New Delhi; Guria in Varanasi; and Samridhi in Bharatpur. Attending for CATW were Dorchen Leidholdt, Jean D'Cunha, Jean Enriquez and Sheila Jeffreys.
The goal of the campaign is to increase the number of groups participating in the network against sexual exploitation while providing them with the expertise, legal tools and organizing support to confront and undercut the burgeoning Indian sex industry and its defenders. The campaign met with government officials and policymakers during the opening of Parliament in July, 2001, to advance its platform.


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MQM Served Iftari for 1 lac person in Karachi Jalsa
MQM Solidarity Jalsa with Army at Bagh-e-Jinnah Karachi
Altaf Hussain Address the Participants
Karachi (Live Breaking News / Sunday, July 6, 2014) – Today Mutahidda Qaumi Movement (MQM) has organized an big rally at Bagh Jinnah near Quaid-e-Azam Muhammad Ali Jinnah tomb.
Various political parties has participated in the solidarity rally with armed. PML-N, JI, ANP, PPP and PTI's leaders has participated in the Jalsa.
There are arranged for the iftari of almost one lac participants of the rally. This is a unique event where such a big number of peoples has done intaar of their fasting..


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Hanging Signs
Display upcoming promotions, presentations, performances, and announcements with hanging signs from Siegel Display. Showcase in store windows or hang multiple frames from ceilings and walls to create a gallery look.
Clear Lens Inserts for Hanging FramesStarting at$10.50
Hanging Poster Frames with Curved EdgeStarting at$35.50
Hanging Poster Frames with Square EdgeStarting at$35.50
Hanging Poster Rail DisplaysStarting at$16.98
video titlevideo content


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Preparation of expert witness reports can be
provided for proceedings involving water resources problems, with
special reference to storm water management, flooding and damages
resulting from infringement of riparian rights, failure of works
and failure to observe proper engineering principles and
practice. The reports listed below provide an overview of the
subject areas covered.
Smith, A.A. "Significance of surface drainage
on the Shum Wan Road landslide of August 13, 1995". Expert witness
report for Haldanes, Solicitors & Notaries, Central, Hong Kong,
September 2000.
Smith,A.A., "Casale
ats Blewett - Impact of earth fill on flood levels", Report to
Yachetti, Lanza & Restivo, Barristers & Solicitors, October 1994
Smith,A.A., "Report on Flood Damage at St.
Andrew's College, Aurora, Ontario", Report to Cassels, Brock &
Blackwell, Barristers & Solicitors, July 1994.
Smith,A.A.,"A Problem of Discovery - An
Examination of Scour in the Grand River at Brantford" (Ontario).
Report for Lloyds of London, June, 1987.
Smith,A.A.," '...et debit currere' - A question
of riparian rights" in the Case of DiCecca vs Interprovincial
Pipeline Inc. Report to Thomson, Rogers, Barristers and
Solicitors. May 1983
Smith,A.A.,"A Flooding
Incident of April 1977" in the Case of DiCecca vs Flamborough.
Report to Thomson, Rogers, Barristers and Solicitors. August
(c) Copyright 1984-2010 Alan A. Smith Inc.
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We have separated our FAQ into categories according to your needs. Select from among these categories or scroll down the entire page to read the individual questions. Contact us by phone at 856-787-7150 or 800-ITC-7470 to talk about these and any other questions you have.
A wholeness center is the next phase in the evolution of wellness centers. At a time where time is at an all time premium, people need to work as efficiently on their personal growth as they do the other priorities in their lives.
When taking risks with new behaviors we gain awareness of established patterns that interfere with getting our needs met. Patterns such as isolation, aggression, and alcohol use in the face of perceived or real threat are examples that may be scary to acknowledge. Similar patterns may have served us better at earlier times in our lives when we were less well equipped to deal with stress. As adults however, we continue using these maladaptive coping skills even when they interfere with our success in relatedness.
The search for wholeness is never completed, but instead it is a process of exploring new levels and layers of who we are and how we fit into the world. In this process we begin to appreciate our 'stuckedness' as well as our inner drive for growth. Appreciating the polarities of our existence helps us find greater opportunities for finding love, belonging, and fulfillment. If we tend to be giving and self-sacrificial, we can learn to be assertive and centered. If we are rigid and unyielding, we can learn to be flexible and compromising. In order to accomplish this greater range of being, we must first understand what lead us toward our particular end of the continuum.
To help individuals increase their cohesiveness as fully functioning members of both smaller communities (families, work environments, and neighborhoods) as well as the greater community (towns, cities, country, world, and universe) they must first gain an appreciation of who they are.
Therapy is mean to be a joint venture between client and therapist. Together the discovery of strengths and limitations leads to the formation of important goals to guide their work. Creative therapies do not insist on a 'right' way of actualizing these goals but instead considers the importance of an honest and genuine partnership where reciprocal exchange continually takes place.
A Wholeness Center focuses on a person's overall wellness, including their physical, emotional, and spiritual selves. A wellness center focuses on the more physical aspects of health, such as nutrition, massage, or physical therapy. While these aspects of wellness are important, there is a fundamental idea that is missing from this type of 'treatment'. While people is distress may find relief from services aimed at restoring functioning, they may be predisposed to relapse without an appreciation for the underlying reasons for their ailment. A wholeness center helps people discover how they have become fragmented and then works to bring the mind, heart, body, and spirit into balance, helping people feel more whole.
A wholeness center incorporates several disciplines for achieving balance in one's life. Through yoga, one learns to synchronize body and spirit in an effort to find harmony with the universe; Through massage, one learns to let go of tension held in the body that prevents a full awareness of self; Through nutrition, one gains a fuller appreciation for their relationship with the environment, in particular the link between nutrients and energy levels. Through psychotherapy, one gains a greater awareness of self.
Different from other centers, we hope to provide a place of healing that people can enjoy throughout the course of their life. Rather than 'solving problems' or 'diffusing crisis', we hope to engage people in improving their own self-care. The old adage of feeling a man for a day versus feeding him for life is most fitting at ITC.
It is essential to clients that their choice to engage in therapeutic services as well as their personal information be kept confidential. Our staff recognizes the need for privacy and works to maintain strict adherence to this end.All services are kept confidential according to the regulations of the state and the National HIPPA regulations. A copy of the privacy regulations are kept in the waiting area for everybody to read and understand.
Coaching is generally reserved for those people who have specific goals to attain. Those who seek coaching often times believe they can work toward their specified objectives without being held back by their own or external resistance. Coaching can be done by phone and is a non-insurance billable service. Therefore, coaching clients can determine the amount of contact they have with their coach and are not limited by managed care. Coaching work often time takes place between sessions through email correspondence.Therapy is a more in-depth exploration of issues for the person struggling with 'symptoms' or who want to learn how to better meet their own needs. Therapy can be take place individually, in a group, family, or couples format. While therapy involves goal setting, this work tends to be more about personal discovery and not limited to behavioral change.
Group therapy can be a powerful process in which members create opportunities to increase their personal growth and development. Although group therapy can be frightening because you are sharing with relative strangers, it can also be the most important growth opportunity of your life. Group therapy is ongoing process that helps you improve your awareness of self.
This awareness may include your role, interaction style, how you get you're needs met, how you create intimacy/distance with others, how you resist change, and many other insights about yourself in relation to the world. Group therapy is a safe place to experiment with new ways of being, get support, discover hidden aspects of self, and find greater fulfillment in life.
There are several different types of group therapy that are provided here at ITC. Experiential groups are designed for personal growth/fulfillment. Other types of focused groups are geared toward specific populations such as women, adolescents, singles, and specific issues such as anger management, eating/nutrition, and socializing. We attempt to design these focused groups when the need and interest present themselves. While individual therapy helps improve your understanding of the changes needed to better get your needs met, group therapy is a laboratory for practicing this work. Samples goals for group therapy are as follows:
|Learn how to ask for support
|Improve assertiveness
|Learn how to provide support
|Resolve hurt and other painful emotions
|Experiment with new ways of relating to others
|Gain closure on unfinished business
|Gain feedback to increase your self-awareness
|Increase your overall sense of well-being
|Increase comfort with direct expression of feelings
|Understand your defensive structures
|Set healthy limits and boundaries
|Improve intimacy within your relationships
|Explore similarities and differences with others
|Understand how others influence self-expression
|Improve decision-making
|Gain support and provide support to others
You can expect to be matched up with a provider who is the best possible fit for you. We do this based on clinical issues such as philosophy, approach, and style, but also pragmatic issues such as schedule, gender preference, and insurance.
In addition to what we explain about ITC's approach on this web site, we have detailed the answer to this question within the ITC Consent Form which you can view and download.
Please visit our store to purchase a book Dr. Scherz entitled, "How to Succeed in Therapy: Navigating the Pitfalls on the Path to Wellness", intended for people ready to embark on their personal growth work.
You can save time upon arrival for your first appointment by downloading and completing a few forms and bringing them to our office. The forms are:
We offer a sliding fee scale so that everybody who wants and need therapy services is able to receive them. We have clinicians at several different fee levels.
Psychotherapy $20-$130
Massage Therapy $30-$60
Yoga $10-$15
Nutrition $65-$78
Psych Testing (Fees are variable)
For those persons interested in utilizing their medical insurance, ITC works with multiple insurance and EAP providers. If we are not in your plan, there is the possibility that we may become part of your insurer's provider network. Out of network reimbursement is an option for some insurance plans as well.
Marital and couples therapy is a specialty area for ITC. Our interactive models of relationship enhancement are intensive and dynamic. Skill building in conjunction with insight oriented work, helps couples learn how to make better contact. Specialized workshops, including instruction with loving touch is also available with our massage therapist. If your spouse is unable or unwilling to attend therapy with you, it is important to begin the process for yourself. Sometimes it is the changes we make individually that help alter our relatedness.
We always encourage parents to get involved in their own therapy either with your child's counselor or someone separate. Children are less powerful to alter the family system and therefore can only work to improve their own coping mechanisms. The greater the involvement of the entire family the greater the likelihood for sustained changes within your child's behavior.
Contact us by phone at 856-787-7150 or 800-ITC-7470 to talk about these and any other questions you have.


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My heart aches for this woman who felt so close to her cousin then discovered such vile hatred from him as well. 😥
Once upon a time there were two cousins, Jessica and Robby. They grew up together in the warm and wet Mississippi back lands. They swam, they fished and Jessica loved and respected her cousin. He gave her the sense of understanding family and loyalty.
That sense of family and loyalty was upended completely when Robby recently ran to the American Family Association, an entity defined by the Southern Poverty Law Center as a "hate" organization, to get their help in humiliating and attacking Jessica's marriage. Robby has never met Jessica's husband.
Jessica and her husband, Nick, are legally married. Nick is a transgender male. A mutual friend introduced them a few years ago. Jessica states, "Nick has been my best friend since day one. We can always count on the other one during the hardest times in life. While he was in paramedic school, Nick felt my full encouragement through the whole way and I never gave up on his dream with him. We stand by each other through every thing just as a husband and wife should. I know at the end of the day I can count on him and that's what real romance looks like. Our love is the kind some people only dream about and I'm very lucky to be able to say I found that in this life with him."


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Media Agent, PR and Management Company
Kirsty Duffy
TV Presenter
Kirsty is back on our screens hosting popular property show Coast Vs Country alongside co-star Kerr Drummond this autumn daily on Channel 4
Kirsty first became known through the popular live topical current affairs show on Channel 5 "The Wright Stuff" which she co-presented with Matthew Wright for over 5 years.
Her role on the show was never predictable and Kirsty's fun personality added great humour to the challenges she was often given which made her a firm favourite with audiences. As the roving reporter for "Live With Gabby Logan" for Channel 5, the bubbly Northern lass travelled around the country reporting on a wide range of topical issues and undertook a variety of challenges including being a zookeeper at London Zoo, training with the Cirque Du Soleil and interviewing the ministry of defence on the possibility of aliens.
A presenter at the London Olympic Games, Kirsty hosted the Taekwondo. She fronted all the live events, interacted with the audiences with vox pops from around the stadium and filmed all the Vt's at the event including interviews for all the Olympians backstage.
She also co-hosted with Matt Barbet for Channel 5 on the streets of London for The Royal Wedding where she kept the Wright Stuff updated on the momentous day by live video streaming.
A bubbly outgoing girl, Kirsty thrives off a challenge and has been potholing blindfolded, flown a stunt-plane, kissed a toad and laid in a bath of cockroaches to entertain her TV viewers. She presented on Living Tv's Most Haunted Live and her corporate cv is extensive, presenting from choppy oil rigs on the North Sea for TK Petroljarl and touring the country in an American Airstream camper van for 3 mobile.
Kirsty's skills aren't just limited to her extensive studio experience, she has also hosted many huge live shows including martial arts and music events. Her skill sets include talkback, autocue, live and pre-record.
Kirsty lives in Hertfordshire with her partner, Hollyoaks actor Ben Richards, their little girl Freja and their two dogs Benson and Smudge.
For further information contact: firstname.lastname@example.com
Call Vickie on: +44 (0) 7914 898885 or Email: email@example.com
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Articles, tagged with "outerwear", page 1
26th October 2011
Camel Hair Blazers Make Excellent Wardrobe Additions
Offered in kinds that are dressy or casual, a leather blazer is appropriate to be worn just about everywhere and will include a bit of sophistication to your total appear. Available in a big wide variety of colours from simple black to shiny pink and with...
08th April 2010
Women's Camisoles
For Lingerie for the tops, even within bras they have a lot of varieties, viz., Strapless Bra, Wirefree Bra, Front Close Bras, Underwire Bra, Seamless Bra, Shaping Bra, etc. Their options are wide open. They got everything to wear. Lingerie plays an im...
08th April 2010
Camisoles - as Outerwear, Innerwear and Sleepwear
Lingerie plays an important role in the comfort level of any women as they hug the most important, intimate and sensual parts of them. Without any argument, women have the great wardrobe. It is not only the money they spend on apparel but also due to ...


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Tag Archives: facebook
All You Can Eat Buffet & Live Entertainment – December 10
Come Join Us on December 10, 2016 for an evening of entertainment and fine dining. . We are pleased to announce that, on December 10, 2011, we will have live entertainment at Little Thai Fine Dining. Our entertainment will begin … Continue reading
Facebook 15% Off Discount – 10/01/2014 thru 10/31/2014
Our current Facebook special gives you 15% off your total bill. "Like" us on Facebook then print out this special & bring it in or show it to us on your smartphone to redeem. Dine-in only. Maximum discount $20. Expires … Continue reading
Posted in Specials Tagged albersons, albertsons, camarillo, center, delivery, dine-in, dining, discount, facebook, fine, fine dining, las posas, little, little thai, shopping, special, take-out, thai Leave a comment
Facebook 50% off Special – 09/01/14 thru 09/30/14
Our current Facebook special is buy one entree and two drinks get 50% off the 2nd entree of equal or lesser value. "Like" us on Facebook then print out this special & bring it in or show it to us … Continue reading
Posted in Specials Tagged albertsons, arneil, camarillo, center, delivery, dine-in, discount, facebook, fine dining, las posas, little thai, shopping, take-out, thai food, thai restaurant Leave a comment


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Old warehouse sells for £1million - and it's all thanks to something surprising inside
Doesn't look like much, does it?
From the outside, this run-down old warehouse doesn't look particularly interesting and most people would probably just walk straight past without giving it a second glance.
But in the perfect example not to judge a book by its cover, this modest looking building hides an incredible little secret - and it's just sold for $1,230,000 as a result.
The warehouse has been transformed into a very cool two-bedroom home , complete with a modern kitchen, dining area and a very stylish bathroom.
The property, in Brisbane, Australia, is decorated like a hipster's dream with exposed ceilings, steel beams and concrete beams.
The online advert states: "Inner-city living doesn't get any cooler than this.
"You can search all of Brisbane but you won't find anything like this industrial-style warehouse conversion that perfectly captures the trendy street-style of Melbourne.
"From the fresh red bathroom to the exposed ceilings, concrete floors and steel beams, this a must-have home for the stylish. An open floorplan offers flexibility so you can create any kind of living space you want.
"There are two bedrooms, one bathroom and lots of open-plan living. Step up to the sunny courtyard where you can sip your Barista-made coffee while soaking up the sunshine."
The building has fronts on two roads, which adds a significant amount of value to it.
There's also some outside space in the form of a small courtyard and two parking spaces.
Agent Zac Tully told the Courier-Mail there was a huge variety of potential buyers interested in the property.
He said: "A large amount of them were purely wanting to turn it into a fully renovated warehouse though.
"A lot of local Spring Hill house and business owners had interest, and then we had a mixture of buyers from all over Brisbane that purely had interest in the warehouse style and a handful of people flew up from Sydney and Melbourne to view the home."


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Loren R. Holmstrom
Age 84 of Saint Paul, Minnesota, passed away peacefully on Friday, March 30th, 2018 after a 3-day sleep and family vigil. He was preceded in death by his parents, Randy and Millie Holmstrom. Loren is survived by his wife of 51 years, Barbara; sons, Mark and Jason; sister, Ardelle (Terry) Raycraft; sister-in-law, Mary Christopherson; nephews, nieces and families: Kevin (Kathy) Raycraft; Tim (Sue) Raycraft; Eric (Kris) Chase, Payton, Dylan Christopherson; Mary (Dave) Nelson; Kathleen (Michael) Aaron DeBaiso; Ann (Thomas) Elina and Nadia Walchuk; loving, supportive cousins, extended families, and friends. Loren was a '51 graduate of Duluth Denfeld HS; a '55 graduate of NDSU School of Pharmacy; U.S. Army medic; 60 years a pharmacist: co-owner, Carlson Pharmacies, St. Paul; manager, Snyder Bros. and Snyders Drug Stores; retired February 2018 from West Bank Pharmacy, Minneapolis. Golf, summers at the family cabin at Burntside Lake, fishing, and 45+ winters curling and teaching until February 2018 at the St. Paul Curling Club were some of Loren's favorite leisure activities. He was a gifted musician (trumpet) in his early years.
Visitation from 4:00-8:00pm on Friday, April 13, 2018 and on Saturday, April 14, 2018 at 10:00am before the 11:00am Celebration of Life Service at Gustavus Adolphus Lutheran Church, 1669 Arcade Street (Hwy 61), Saint Paul, Minnesota. Memorials preferred to G.A. Church (Tractor Mower Fund - Loren and the machine wore out last season), or the SPCC Foundation.
Anderson Funeral Home & Cremation Services has been serving the Saint Paul and surrounding communities since 1915.
1401 Arcade Street St. Paul, MN 55106, US
Phone: (651) 776-2761Fax: (651) 778-0257


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V3.0 MR5 Windows/Linux/Solaris April 18, 2011
Conversion from Word
*The text box in an anchored paragraph in the table cell was not correctly arranged or dropped with Word 2007/2010 conversions.
*The height of the margin was not correctly reflected even if the output position was specified to the figure or the text box with Word 2007/2010 conversions.
*Figures with insufficient attribute information were not outputted correctly with Word 2007/2010 conversions.
*When the text was added between parentheses, it overlapped with Word 2007/2010 conversions.
*Grouped shapes in header/footer were not always positioned correctly with Word 97-2003 conversions.
*When there was a problem in the calculation of the number of lines in one page, the page position would shift with Word 97-2003 conversions.
*Table titles were not effective with Word 97-2003 conversions.
*Unnecessary work files were created with Word 97-2003 conversions.
*Tab positions in header/footer were not correctly positioned with Word 97-2003 conversions.
*Problems with processing occurred when the minimum value was specified for line spacing, which resulted in wide spaces between lines with Word 97-2003 conversions.
*Characters were squeezed together and overlapped with Word 97-2003 conversions.
*When problems with the character-code output for symbol fonts occurred, it resulted in garbled numbers and cirlces with Word 97-2003 conversions.
*The space between lines changed when the OLE object had been inserted with Word 97-2003 conversions.
*The table of contents was not outputted with Word 97-2003 conversions.
*When multiple bookmarks were set to the same position their hyperlinks were lost with Word 97-2003 conversions.
*The position of ruled lines around characters in a table shifted with Word 97-2003 conversions.
*The character attribute settings in Style was not correctly reflected with Word 97-2003 conversions.
*Problems with the default table border occurred so borders were not correctly outputted with Word 97-2003 conversions.
*The header and the body text overlapped with Word 97-2003 conversions.
Conversion from Excel
*Unnecessary text box background was outputted.
*The magnification of the worksheet display in print settings was not reflected, the stroke width was not correctly outputted.
*The magnification of the worksheet display in print settings was not reflected when the font size in header/footer was changed.
*When the number of pages for either width or height were specified, Fit to Page settings in Page Setup were ignored, but now it ouputs with the specified page number.
*When the number of pages for both width and height were not specified, Fit to Page settings in the Scale in Page Setup were ignored. Therefore, the width and height values for only the first page was outputted by default.
*The cell border specified to the row title was outputted to the cell below it.
Conversion from PowerPoint
*Support for the setting of the slide beginning number with PowerPoint 2007/2010.
*Vertical writing in the text box did not rotate when it was specified to rotate by certain degrees.
*When symbols were specified for the bullets in a list, it would result in garble.
*Figures and text with a hidden attribute were outputted and shown.
*The fixed-pitch font was allocated to the alternative font of the variable-pitch font which increased the width of the text.
*Some figures were not able to correspond to the vertical and horizontal flips.
*If the system color was set to a fill color, an invalid color would be outputted. It can now be outputted by setting the color value with the fixed table.
*There was a problem in calculation of the distance between text area and images causing the text to shift.
*The conversion terminated abruptly when -GDI Smooth was specified with the image output.
*There was a problem in detecting file formats, causing text file conversions to fail.
*Sometimes font sizes decreased because the selector of the tagname.classname was not supported with SVG conversions.
*XPS would not convert with the NET Interface. It is fixed now. (XPS output is only available for OSDC Plus)
*The conversion failed if # was included in the target file name.
*The default value of 100% when neither width nor height were specified in SVG was applied to the default A4 size with the conversion from SVG. Now it is made available to output the % size as the height and width of viewBox if viewBox is effective when directly converting SVG.


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All of our workshops are taught in our workshop space in Nailsea, North Somerset, a short drive from Clevedon, Weston Super Mare, Portishead, Bristol and the Chew Valley.
Scroll through our calendar to see what's available, or click on the drop down menu above if you're looking for a particular craft.
- This event has passed.
Fused Glass Curve
September 22, 2018 @ 1:30 pm - 3:30 pm£35
Create your own unique fused glass curve in this 2 hour workshop with Sarah Quick. We've included some pictures of Sarah's own creations (below) to give you some ideas for your own masterpieces. We recommend you choose a simple theme, particularly if this is your first attempt at fused glass. Simplicity can be very effective, and works well with the natural beauty of the glass. So we suggest you think about a design that isn't too complex. On the day, Sarah will have samples available to show you what can be achieved. Sarah will take your finished work away, fire it in her own kiln, and return it for collection from The Blue Room after approx. 2 weeks. The workshop is about 2 hours long.
Please note that these workshops are NOT suitable for anyone under 14, and young people under the age of 18 MUST be accompanied by an adult who will work with them throughout the duration of this workshop.
Sarah's workshops are very popular, with customers returning time and again to enjoy creating something beautiful and unique. They fill up very quickly so we strongly recommend early booking.
What do our customers say about our workshops?
What was the best thing about the workshop?
I am not very artistic , so it caters for all levels, and still the end product looks good. (Fused Glass, February 2018)
Really helpful teaching and nice small group. Loved it! (Claire, Beginners Machine Sewing January 2018)
Very enjoyable relaxed atmosphere, learning new techniques. (Jan, Weave Pattern and Texture on a Peg Loom, January 2018)
Making something I'm proud of, learning new skills, and the social side. Cheese scone recommended! (Jan, January 2018, Beginners Patchwork)
A good way to spend time with friends; the finished product; swishing around with my new skirt; learning how to use my sewing machine. (Mar, Darcy, Lizzie, and Isabella. January 2018, Children's private group sewing)
Lovely relaxing thing to do in the build up to Christmas. (Claire, Fused Glass, December 2017)
Very relaxing and enjoyable, will definitely do more at home. (Sharon, Needle Felting, December 2017)


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John Crowley (Little, Big) has noticed that, in SF movies, the future's been looking more and more like the past: "Brazil," set 'somewhere in the 20th Century', isn't really the future; like some of the Superman and Batman movies it's set in a some alternative sorta-retro past or alternative present or generalized urban somewhen….I think… Continue reading »
Archives for February 2008
First the Double-Decker Bus, Now This?
Britain has done away with a thousand of its zebra crossings (picture John, Paul, George, and Ringo on the cover of "Abbey Road"). The London Times columnist Janice Turner waxes nostalgic : And, while our towns are now besmirched with vile signage, clashing coloured lanes and ugly railings to imprison pedestrians, zebra crossing have a… Continue reading »
Book, Camera, Action
Got a book coming out? Make a video.


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стр. 49
"Temporary" earned $100 in three of the four years but had a good year
in 1975. The consumer named "Permanent" enjoyed a per-
manent increase in income in 1975 and was therefore
Incomes of Three Consumers
clearly the richest.
Now let us use our common sense to figure out how Incomes in Each Year
much each of these consumers might have spent in 1975. Consumer 1974 1975 1976 1977 Total Income
Temporary and Permanent had the same income that year.
Constant $100 $100 $100 $100 $400
Do you think they spent the same amount? Not if they Temporary 100 120 100 100 420
had some ability to foresee their future incomes, because Permanent 100 120 120 120 460
Permanent was richer in the long run.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Part 2
164 The Macroeconomy: Aggregate Supply and Demand
Now compare Constant and Temporary. Temporary had 20 percent higher income
in 1975 ($120 versus $100), but only 5 percent more over the entire four-year period
($420 versus $400). Do you think his spending in 1975 was closer to 20 percent above
Constant's or closer to 5 percent above it? Most people guess the latter.
The point of this example is that consumers very reasonably decide on their current
consumption spending by looking at their long-run income prospects. This should
come as no surprise to a college student. You are probably spending more than you
earn this year, but that does not make you a foolish spendthrift. On the contrary, you
know that your college education will likely give you a much higher income in the
future, and you are spending with that in mind.
To relate this example to the failure of the 1975 income tax cut, now imagine that the
three rows in Table 2 represent the entire economy under three different government
policies. Recall that 1975 was the year of the temporary tax cut. The first row (Constant)
shows the unchanged path of disposable income in the absence of a tax cut. The second
(Temporary) shows an increase in disposable income attributable to a tax cut for one
year only. The bottom row (Permanent) shows a policy that increases DI in every future
year by cutting taxes permanently in 1975. Which of the two lower rows do you imag-
ine would have generated more consumer spending in 1975? The bottom row (Perma-
nent), of course. What we have concluded, then, is this:
Permanent cuts in income taxes cause greater increases in consumer spending than do
temporary cuts of equal magnitude.
The application of this analysis to the 1975 and 2001 tax rebates is immediate. The
1975 tax cut was advertised as a one-time increase in after-tax income, like that experi-
enced by Temporary in Table 2. No future income was affected, so consumers did not
increase their spending as much as government officials had hoped. Ironically, the 2001
tax rebate checks actually represented the first installment of a projected permanent tax
reduction. But they were so widely advertised as a one-time event that most people
receiving the checks probably thought they were temporary.
We have, then, what appears to be a general principle, backed up by both historical
evidence and common sense. Permanent changes in income taxes have more significant
effects on consumer spending than do temporary ones. This conclusion may seem ob-
vious, but it is not a lesson you would have learned from an introductory textbook
prior to 1975. It is one we learned the hard way, through bitter experience.
Next, we turn to the most volatile component of aggregate demand: investment spending.9
While Figure 2 showed that consumer spending follows movements in disposable income
quite closely, investment spending swings from high to low levels with astonishing speed.
For example, when real GDP in the United States slowed abruptly from a 3.7 percent
growth rate in 2000 to a sluggish 0.8 percent rate in 2001, a drop of about 3 percentage
points, the growth rate of real investment spending dropped from 5.7 percent to minus
7.9 percent, a swing of over 13 percentage points. What accounts for such dramatic
changes in investment spending?
Several factors that influence how much businesses want to invest were discussed in
the previous chapter, including interest rates, tax provisions, technical change, and the
We repeat the warning given earlier about the meaning of the word investment. It includes spending by businesses
and individuals on newly produced factories, machinery, and houses. But it excludes sales of used industrial plants,
equipment, and homes as well as purely financial transactions, such as the purchases of stocks and bonds.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Chapter 8 165
Aggregate Demand and the Powerful Consumer
strength of the economy. Sometimes these determinants change abruptly, leading to
dramatic variations in investment. But perhaps the most important factor accounting for
the volatility of investment spending was not discussed much in Chapter 7: the state of
business confidence, which in turn depends on expectations about the future.
Although confidence is tricky to measure, it does seem obvious that businesses
will build more factories and purchase more new machines when they are optimistic.
Correspondingly, their investment plans will be very cautious if the economic outlook
appears bleak. Keynes pointed out that psychological perceptions such as these are sub-
ject to abrupt shifts, so that fluctuations in investment can be a major cause of instability
in aggregate demand.
Unfortunately, neither economists nor, for that matter, psychologists have many good
ideas about how to measure—much less control—business confidence. So economists usu-
ally focus on several more objective determinants of investment that are easier to quantify
and even influence—factors such as interest rates and tax provisions.
Another highly variable source of demand for U.S. products is foreign purchases of U.S.
goods—our exports. As we observed earlier in this chapter, we obtain the net contribution
of foreigners to U.S. aggregate demand by subtracting imports, which is the portion of do-
mestic demand that is satisfied by foreign producers, from our exports to get net exports.
What determines net exports?
National Incomes
Although both exports and imports depend on many factors, the predominant one is
income levels in different countries. When American consumers and firms spend more on
consumption and investment, some of this new spending goes toward the purchase of
foreign goods. Therefore:
Our imports rise when our GDP rises and fall when our GDP falls.
Similarly, because our exports are the imports of other countries, our exports depend on
their GDPs, not on our own. Thus:
Our exports are relatively insensitive to our own GDP, but are quite sensitive to the
GDPs of other countries.
Putting these two ideas together leads to a clear implication: When our economy grows
faster than the economies of our trading partners, our net exports tend to shrink. Con-
versely, when foreign economies grow faster than ours, our net exports tend to rise.
Events since the 1990s illustrate this point dramatically. When the U.S. economy stagnated
between 1990 and 1992, our net exports rose from 2$55 billion to 2$16 billion. (Remem-
ber, 216 is a larger number than 255!) Since then, growth in the United States has gener-
ally outstripped growth abroad, and U.S. net exports have plummeted from 2$16 billion
in 1992 to 2$560 billion in 2007.
Relative Prices and Exchange Rates
Although GDP levels here and abroad are important influences on a country's net exports,
they are not the only relevant factors. International prices matter, too.
To make things concrete, let's focus on trade between the United States and Japan. Sup-
pose American prices rise while Japanese prices fall, making U.S. goods more expensive
relative to Japanese goods. If American consumers react to these new relative prices by
buying more Japanese goods, U.S. imports rise. If Japanese consumers react to the same rel-
ative price changes by buying fewer American products, U.S. exports fall. Both reactions
reduce America's net exports.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Part 2
166 The Macroeconomy: Aggregate Supply and Demand
Naturally, a decline in American prices (or a rise in Japanese prices) does precisely the
opposite. Thus:
A rise in the prices of a country's goods will lead to a reduction in that country's net ex-
ports. Analogously, a decline in the prices of a country's goods will raise that country's
net exports. Similarly, price increases abroad raise the home country's net exports,
whereas price decreases abroad have the opposite effect.
This simple idea holds the key to understanding how exchange rates among the
world's currencies influence exports and imports—an important topic that we will con-
sider in depth in Chapters 18 and 19. The reason is that exchange rates translate foreign
prices into terms that are familiar to home country customers—their own currencies.
Consider, for example, Americans interested in buying Japanese cars that cost
ВҐ3,000,000. If it takes ВҐ100 to buy a dollar, these cars cost American buyers $30,000. But if
the dollar is worth ВҐ150, those same cars cost Americans just $20,000, and consumers in
the United States are likely to buy more of them. These sorts of responses help explain
why American automakers lost market share to Japanese imports when the dollar rose
against the yen in the late 1990s. They also explain why, today, so many U.S. manufactur-
ers want to see the value of the Chinese yuan rise.
We have now learned enough to see why economists often have difficulty predicting ag-
gregate demand. Consider the four main components, starting with consumer spending.
Because wealth affects consumption, forecasts of spending can be thrown off by unex-
pected movements of the stock market or by poor forecasts of future prices. It may also be
difficult to anticipate how taxpayers will view changes in the income tax law. If the gov-
ernment says that a tax cut is permanent (as for example, in 1964), will consumers take the
government at its word and increase their spending accordingly? Perhaps not, if the gov-
ernment has a history of raising taxes after promising to keep them low. Similarly, when
(as in 1975) the government explicitly announces that a tax cut is temporary, will con-
sumers always believe the announcement? Or might they greet it with a hefty dose of
skepticism? Such a reaction is quite possible if there is a history of "temporary" tax
changes that stayed on the books indefinitely.
Swings in investment spending are even more difficult to predict, partly because they
are tied so closely to business confidence and expectations. Developments abroad also
often lead to surprises in the net export account. Even the final component of aggregate
demand, government purchases (G), is subject to the vagaries of politics and to sudden
military and national security events such as 9/11 and the Iraq war.
We could say much more about the determinants of aggregate demand, but it is best to
leave the rest to more advanced courses. For we are now ready to apply our knowledge of
aggregate demand to the construction of the first model of the economy. Although it is
true that income determines consumption, the consumption function in turn helps to de-
termine the level of income. If that sounds like circular reasoning, read the next chapter!
1. Aggregate demand is the total volume of goods and 2. Aggregate demand is a schedule: The aggregate quan-
services purchased by consumers, businesses, govern- tity demanded depends on (among other things) the
ment units, and foreigners. It can be expressed as the price level. But, for any given price level, aggregate
sum C 1 I 1 G 1 (X 2 IM), where C is consumer spend- demand is a number.
ing, I is investment spending, G is government 3. Economists reserve the term investment to refer to
purchases, and X 2 IM is net exports. purchases of newly produced factories, machinery, soft-
ware, and houses.
Copyright 2009 Cengage Learning, Inc. All Rights Reserved. May not be copied, scanned, or duplicated, in whole or in part.
Licensed to:
Chapter 8 167
Aggregate Demand and the Powerful Consumer
4. Gross domestic product is the total volume of final total consumer wealth, the price level, and expected
goods and services produced in the country. future incomes.
10. Because consumers hold so many money-fixed assets,
5. National income is the sum of the before-tax wages, in-
they lose purchasing power when prices rise, which
terest, rents, and profits earned by all individuals in the
leads them to reduce their spending.
economy. By necessity, it must be approximately equal
to domestic product. 11. The government often tries to manipulate aggregate de-
mand by influencing private consumption decisions,
6. Disposable income is the sum of the incomes of all indi-
usually through changes in the personal income tax. But
viduals in the economy after taxes and transfers. It is the
this policy did not work well in 1975 or 2001.
chief determinant of consumer expenditures.
12. Future income prospects help explain why. The 1975 tax
7. All of these concepts, and others, can be depicted in a
cut was temporary and therefore left future incomes
circular flow diagram that shows expenditures on all
unaffected. The 2001 tax cut was also advertised as a
four sources flowing into business firms and national in-
one-time event.
come flowing out.
13. Investment is the most volatile component of aggregate
8. The close relationship between consumer spending (C)
demand, largely because it is closely tied to confidence
and disposable income (DI) is called the consumption
and expectations.
function. Its slope, which is used to predict the change
in consumption that will be caused by a change in 14. Policy makers cannot influence confidence in any reli-
income taxes, is called the marginal propensity to able way, so policies designed to spur investment focus
consume (MPC). on more objective, although possibly less important,
determinants of investment—such as interest rates
9. Changes in disposable income move us along a given
and taxes.
consumption function. Changes in any of the other vari-
ables that affect C shift the entire consumption function. 15. Net exports depend on GDPs and relative prices both
Among the most important of these other variables are domestically and abroad.
Aggregate demand 154 Disposable income (DI) 155 Movements along versus
shifts of the consumption
Consumer expenditure (C) 154 Circular flow diagram 155
function 161–162
Investment spending (I) 155 Transfer payments 157
Money-fixed assets 162
Government purchases (G) 155 Scatter diagram 158
Temporary versus permanent tax
Net exports (X 2 IM) 155 Consumption function 160
стр. 49


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Insulator Definition: a thermal insulator acts as a barrier to the transfer of energy by heating.
Heating a house costs money. However, a lot of the energy we pay for is lost to the surroundings. So insulating a house can save money as less heat energy leaves the house.
Things we can do to improve how insulated our houses are include:
- double- or triple-glazed windows → there is air (or sometimes argon) in between the sheets of glass; gasses are poor conductors, so less heat is lost.
- cavities in walls → again, a layer of air is between the walls, preventing heat loss by conduction.
- polystyrene foam insulation → polystyrene is an excellent insulator.
- reflective surface behind radiators → reflects heat back into house and away from walls.
- draught excluders → stop cold air getting in and hot air getting out.
This shows how good a material or building component is as an insulator.
The lower the U-Value, the less energy the material transfers, and so the better an insulator it is. So, when insulating homes, we look for materials with LOW U-VALUES.
(It's unit is W/m²°C, but I don't think you need to know that.)
The components we use to insulate our homes also cost money. To work out if a method of insulation is cost effective, we look at the payback time.
This is the length of time it takes to save the amount of money that the improvement cost.
E.g. if insulating a hot water tank cost £60 and it saves £15 a year, then the payback time is 60 divided by 15, which equals 4.
The shorter the payback time, the more cost effective the insulation method is.