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Microfinance is a very popular term in today's financial market scenario. As the name suggests, it refers to Micro-Credit or Micro-Loan. It refers to banking or financial service that is offered by banks or other financial institutions to individuals who belong to low income or underprivileged sections of the society. It can be in the form of loans, insurance and savings deposits.
It is very helpful to small-sized enterprise owners as well as entrepreneurs with low capital. There are many people across the world, especially in India, who do not have access to proper financial assistance. They live in rural areas as well as in urban areas of India and do not have sufficient knowledge and access to take up help from conventional sources of finance such as banks and investors.
Microfinancing is a great way to help poor individuals to be financially independent. They can use these funds offered by banks at very low rates of interest to start their own small venture or to make their other dreams come true. Many of underprivileged people in the nation do not have any idea about saving money or managing their finance.
Microfinancing is typically defined as the process of providing loans, credit, savings, and the other necessary financial services and products to individuals who are extremely poor to get access to the regular sources of finance such as banks or other financial institutions. Microfinance is provided to the underprivileged with the belief that charity or philanthropy is not the solution to poverty.
Lending Process:
- Geo-Economic Survey of Region
- Village Appraisal
- Selection of Village
- Group Formation
- Training of Borrowers
- Scrutiny and Underwriting
- Financial Transactions
- Near Mandatory Insurance
- Microfinance is typically offered to anyone who does not have a stable source of income due to unemployment.
- It is also given to anyone who does not have a proper credit history that can be verified.
- There are some applicants who may have poor credit history due to high debts.
- Microfinance typically does not require loan applicants to submit any collateral while applying for the loan.
- It is also offered to people living below the poverty line since they do not have access to other forms of financing.
- It promotes simplified and small savings among poor people. It encourages them to build funds step by step.
- It offers repeat loans to applications. This helps borrowers repay their loan promptly as the repayment tenure is short.
- It also intends to assist individuals in securing good medical treatment when they have health issues.
- Generally, Microfinance institutions approach clients instead of waiting for clients to approach them.
- Such institutions have easy and quick loan applications processes.
- The interest rate is very low.
- When Micro-Loan is offered, the lender doesn't ask for the purpose of lending.
- Some Microfinance options also come up with microinsurance.
- Microfinance aims at developing financial sustainability among economically downtrodden people.
- Microfinance institutions aim to eliminate interest rate ceilings as they believe that these can restrict poor people from securing finance.
- Microfinance focuses on offering financial transparency by offering loans to individuals without any hidden costs.
- Microfinance believes that poor people need a broad set of financial services apart from first loans.
Microfinance primarily works towards making the disadvantaged population self-determined without having to depend on their friends and relatives.
- It aims to bring financial change among poor people with the help of a community-based approach.
- It intends to organize and conduct simple training programmes for unemployed people so that they have a means of livelihood.
- Microfinance also intends to assist disabled people who are economically underprivileged. It aims to help them find some means of livelihood.
- It aims to help women of poor families. Institutions that offer Microfinance loan options specially designed for women.
- It intends to enhance operations and activities at the grass root level.
- It aims to raise attaining socio-economic development at the most basic level of society.
- It serves as a great instrument to eradicate poverty.
- It aims to offer loans, accounts, and other financial services to people without asking them to collaborate such as a mortgage or anything.
Because the cash involved in Microfinance is too low, commercial banks in many countries are not yet prepared to deal with micro and small enterprises. Limitations of Microfinance are:
- They deal with the low volume of money, there is a limitation on the amount that they can deal with.
- They provide loans against no collateral and at any time, the risk of no repayment can arise.
- Their bad debts are high.
- They can't service more than a certain number of customers.
However, the laws on Microfinance may vary from country to country.
Financial struggles of poor people in India:
Low-income individuals struggle to meet even the basic necessities to lead a life. They have very limited funds to get access to food, clothing, shelter, and proper healthcare facilities. Many of them are unable to send their children to school even for basic education.
Many of these people also cannot open bank accounts or apply for traditional loan options as they generally do not meet minimum eligibility criteria. Banks have specific criteria where loan applicants need to meet certain minimum requirements.
They also need to furnish relevant documents as proofs of identity issued by the central government.
Microcredit or Microfinance is offered to people keeping in mind about these above-mentioned requirements for regular bank loans. You can acquire small or microloans at economical interest rates. Microfinance institutions chiefly work to help people who cannot acquire loans at economical interest rates. Hence, they make sure that loans are provided to the applicants at low rates.
The purpose is to assist low-income people who have the enthusiasm to make their lives better. It provides the right amount of capital to low-income people to start a new small business activity or to finance their child's education or to buy a small piece of land for carrying out agricultural operations.
When an individual belonging to an underprivileged section of the society borrows Microfinance from a bank or an NBFC, he/she can make use of the funds for being financially independent. It can help society borrows to be involved in a variety of activities that he/she could not have done without the Microfinancing.
Many poor adults in the country may not have had sufficient funds during the early stages of their lives to be educated. Hence, they tend to miss out on the various employment options that are offered to educated people. Therefore, many of them remain unemployed.
There is another category of poor adults who are not educated but are involved in unskilled labor. Unskilled labor refers to working in a segment that requires limited skills and that offer low wages to the laborers. They have limited qualification such as high school or diploma or no qualification.
There is also a category of individuals who live in rural areas and semi-urban areas who are dedicated to farming. They are agriculturists and many of them earn very low incomes. Many of these farmers do not earn enough money for the hard work they put in.
Origin of Microfinance in India:
Microfinance has been quite a popular and effective mode of financing in the Indian subcontinent. From an early period, people in India used to be involved in lending and credit operations through individual money lending, chit funds, and other indigenous financial institutions. The modern and systematic method of offering Microfinance started in the 1970s in India.
It chiefly originated when the Grameen Bank was started by Professor Mohammad Yunus in the year 1976 in Bangladesh. It was a pilot project of having a unique lending system where microloans are offered to disadvantaged sections of the society especially the rural poor sections.
The iconic event let to the conversion of the project into an autonomous bank. This was done through government legislation and it came to be known as Grameen Bank.
There was also Self-Employed Women's Association (SEWA) that was started by Ela Bhatt. It was set up in Ahmedabad, Gujarat in the year 1972. It was set up to help women of low-income groups. The Regional Rural Banks (RRBs) were launched in 1975-76. A microfinance institution (MFI) that was set up in India in the year 1974. The operations of the institution started to pick up only in the 1990s.
How does it work in India?
Both Banks and Non-Banking Financial Corporations (NBFCs) offers Microfinance in India. There are also Microfinance institutions aimed at getting people out of poverty. Microfinance institutions target poor and unemployed people. It is usually procured by loan applicants through 3 modules ad they include:
- Through banks, non-banking financial corporations and Microfinance institutions.
- By establishing good relations with the bank and financial institutions.
- By getting together as a group with the common goal of obtaining finance to create and develop new small business ventures or to make a living.
Microfinance Institutions in India:
- In our country, there are a number of institutions that offer Microfinance exclusively:
- Annapurna Microfinance Pvt Ltd.
- BSS Microfinance Pvt Ltd.
- Asirvad Microfinance Pvt Ltd.
- Disha Microfinance Pvt Ltd.
- Fusion Microfinance Pvt Ltd.
- Arohan Financial Services.
- Cashpor Micro Credit.
- Grama Vidiyal Microfinance.
- ESAF Microfinance & Investment.
- Equitas Microfinance Pvt Ltd.
- Mdura Microfinance Ltd.
- Satin Creditcare Network Ltd.
- M.I.L.E. Microfinance Pvt Ltd.
- Grameen Financial Services.
- Janalakshmi Financial Pvt.
- SKS Microfinance Ltd.
- ASA International India Pvt Ltd.
- Sonata Finance Pvt Ltd.
- Shree Kshetra Dharmasthala Rural Deveopment Project.
- RGVN Microfinance Ltd.
- Swadhaar Finserve Pvt Ltd.
- Belstar Investment & Finance Pvt Ltd.
- Suryoday Microfinance Ltd.
- SV Credtline Pvt Ltd.
- Future Finance Services Ltd.
- Ujjivan Financial Services Ltd.
- Utkarsh Microfinance Ltd.
- Adhikar Microfinance Pvt Ltd.
- Uttrayan Financial Services.
- Chaitanya India Fin Credit.
- Indian Cooperative Network for Women.
- Growing Opportunity Finance Pvt Ltd.
- M Power Microfinance Ltd.
- Rashtriya Seva Samithi.
- IDF Finances Ltd.
There are many more Institutions for Microfinance in India.
How Microfinance Helps Borrowers in India?
There are many impoverished people in the country who do not have any knowledge about alternate sources of Finance apart from conventional bank loans. They also do not know that they can engage in other sources of employment to earn a livelihood. However, they don't know their need for funds to meet their requirements. With Microfinance, they learn to procure inexpensive forms of credit for a short period and also learn to manage their expenses. They will understand how to allocate money for different purposes and save a particular amount for emergencies.
Microfinance for Farmers:
There are exclusive Microfinance loans that are provided to marginal farmers who need funds for enhancing their productivity of crops. This can be done when they invest in superior quality fertilizers, excellent farming tools, quality check processes, marketing of their crops, packaging of their output, transportation of their output, storage in safe and hygienic warehouses and proper sales technique in order to secure profits that they are entitled to after putting in so many efforts for several months.
Microfinance for Women:
There are many households that have irresponsible male members who do not contribute to saving money for the family. They tend to use money senselessly on things that are absolutely not required. In such households, female members are more responsible about money. Keeping this in mind, there are money banks, NBFCs and Microfinance institutions that extend Microfinance options for women to handle money. However, there are many households where men do not permit women to do anything other than domestic household work. But, the truth is that many women in several households have proved to be more responsible, financially.
When women take Microfinance for various needs, they will ensure that the funds are utilized for a good purpose. One thing is for sure that women repay their loans on time. Microfinance loans can be repaid through equated monthly installments (EMIs) promptly. Moreover, women will make well-planned decisions for the household. There are many SHGs in Indian Rural places made by women, for women.
Microfinance is used to supply credit to the very poor section of society that is unable to access the traditional, economical, and financial institutions such as banks. It helps them in acquiring finances to expand their tiny businesses. Microfinance helps in improving the contribution of women in economic activities by providing economic resources. We can conclude that the weak sector of the Indian economy is in dire need of money lending methods to earn credits. So Microfinance programs should be an important area of focus to provide these people the chance to improve their standard of living via means of economic growth.
I would like to express my special thanks of gratitude to my teacher as well as my principal who gave me the opportunity to do this wonderful project on Microfinance and its impact which also helped me in doing a lot of research and I came to know about so many things. I am really thankful to them. Secondly, I would like to thank my parents and friends who helped me a lot in finalizing the project.
This is to certify that the project is an outcome of my own efforts and my indebtedness to other words publications has been duly acknowledged, at relevant places.
This project is made as per the guidelines issued by CBSE.
Teacher's Signature Examiner's Signature


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RIM and Nokia battle over crazy keyboards
The US Patent office has recently published a couple of patent applications for new keyboard designs. One by RIM the maker of Blackberry, and one by Nokia. RIM's patent application consists of a standard 9 key keypad that that expands to a qwerty keyboard at the touch of a button. This is achieved with the use of flip-out wings on either side of the phone. It is an interesting concept, but it looks like using this phone with its qwerty keyboard out will require a little bit of thumb gymnastics. Details on Nokia's application after the break

subset: commoncrawl


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A new Monmouth poll in Pennsylvania's newly drawn 1st Congressional District finds Rep. Brian Fitzpatrick (R) has inched ahead of challenger Scott Wallace (D), 50% to 46% among likely voters.
"The race narrows to a virtual tie of 49% for Fitzpatrick and 48% for Wallace using a model that incorporates a turnout surge in Democratic precincts. A model projecting lower overall turnout shows Fitzpatrick with a larger 52% to 45% edge over Wallace."
David Weigel: "NRCC chairman Steve Stivers has called Scott Wallace the worst Democratic nominee in the country, and he's down by 4 points."


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The daily express | financing tentacles live to obtain financing 500 million yuan E round and later, Specsmakers 10...
- Time:
- From:AIAT
- Author:atr
- Views:307
editor: This is the 36 krypton launch of the "daily delivery and financing express] column, inventory of domestic and foreign investment and financing trends on the day. Today, the focus of our country is tentacle live broadcast to get 500 million yuan E round and subsequent financing. The focus of overseas investment and financing is Specsmakers's 10 million dollar A round of financing.There are 36 financing events at home and abroad at home and abroad, which are distributed in 13 industries in
. 30 projects in China have been financed and 6 foreign projects have been financed.
domestic investment and financing event enterprise service
1. Dutch flower to obtain three new board financing
2001 in October 26th, the Lianyungang Municipal Administration for Industry and Commerce approved the Lianyungang Dutch flower bulb limited company established, and issued the "business license" (Registration Number: Qihe Su even total No. 002359), the Dutch company was founded. In September 2, 2016, the Dutch flower in Lianyungang City Administration for Industry and Commerce shall complete the registration formalities and received a new business license "(Unified Social Credit Code: 91320700731175066M).
2. in the era of the Qing Dynasty to obtain tens of millions of RMB Angel wheel financing
sharplumi era is a 3D printing and software development service providers, focus on 3D printing technology and software development, software development, electronic hardware development, material development including the main business, the speed of 3D printing technology from the printing equipment and innovative materials innovation, committed to improve manufacturing productivity and reduce business cost.
similar competitive products: Hai Xin Xin Chengdu water drop flying technology original electronic three peak technology
3. Kang dike shares tens of millions of RMB A round financingKang di
shares is a star IP brand management company, through the depth bound star IP to create the brand design and development of idle away in seeking pleasure, in the star brand, marketing and publicity, Kandy is responsible for the supply chain and sales channels, from the selection, design and development, supply chain integration, to the late market promotion and sales, has formed a relatively complete brand incubator system.
similar competing products: unlimited entertainment technology share little red boiling times of Xiong Chuanchuan culture south pan entertainment
4. chain chain does not forget to get angel wheel financing
5. Long Blockchain won $2 million after the listing of
long blockchain production, distribution, market and sale of its signature ice tea is named "long islandbr ice tea". Long Blockchain produces, distributes, markets, and sells its signature line of iced
production and manufacture of
1. Liancheng precision listingManufacturing R & D design and production in all kinds of precision machinery parts and components of
Liancheng precision focus, with iron and aluminum products such as metal casting mold development, casting, machining in one complete industrial chain, can provide the casting mold design to finished product delivery of the complete service for customers, and have the ability to undertake cross sectoral, multi large and small batch varieties, various types of business.
similar competing products: mechanical balance vekan precision technology Fuliwang shunhing SeikoRemington
2. Hailey branch to obtain three new board financingIn June 18th
2004, the company approved the registration of the business license of the enterprise legal person, which was issued by the Beijing Municipal Bureau of industry and commerce, with the registration number of 1102242706644. In April 11, 2017, the company submitted to change the application materials for registration, Daxing Branch of Beijing city Industrial and Commercial Bureau to inform the company name with "science and technology", business scope is required to contain "technology development" project management; but considering the company has held the inaugural meeting, Beijing city Industrial and Commercial Bureau Daxing Branch of the company to submit materials in handwritten add "technology development" words, and require the company to the next meeting of shareholders by increasing "technology development" operating range of motion compensation. On the same day, the Beijing industry and Commerce Bureau issued the business license of the joint-stock company (the unified social credit code is: 9111011576350299XB).
similar competing products: WholePort
3. start-up environment to obtain new three board financingThe limited establishment of
was registered in August 24, 2010 to obtain the business license of enterprise legal person issued by the Bureau of industry and Commerce of Yixing, Wuxi. In September 19, 2016, the Wuxi Administration for Industry and Commerce changed the registration of former permitted company, and the company received the "unified business credit code" 91320282560327458N, "business license".
similar competing products: Huarun snowflake brewery financial fortune
4. gaoye heavy industry to obtain three new board financingIn March 5th
1999, limited company obtained the "business license of enterprise legal person" that the registration number of the Rugao Municipal Administration for Industry and commerce was 3206822100153. In April 14, 2017, the company obtained the business license issued by Nantong Administration for Industry and commerce, which is a unified social credit code 913206821383392773, and the joint stock company was formally established.
entertainment media
1. guest media obtain tens of millions of RMB Pre-A round financing
guest media is a commercial content and program producers, around the commercial content, build from the plane to the video, from the case to the tutorial, from theory to practice, from technology to the full dimensions of the content system. Financial visits to the products under the flag
From: 每日投融资速递 | 触手直播获得5.0亿人民币E轮及以后融资,Specsmakers获得10...
Translate by: Baidu Translate .


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Wedding Suppliers
Friends of Fross
Thanks to our decades of experience, we're able to recommend some fantastic wedding suppliers in Sussex and around the UK to our brides-to-be!
The Ravenswood
Set in the rolling countryside of Sharpthorne, West Sussex, The Ravenswood offers 18 acres of landscaped lawns, gardens and lakes. These beautiful surroundings create an unforgettable atmosphere for the wedding party and their guests, as well as providing a stunning setting for corporate events, meetings and seminars.
Empirical Events
Empirical events are a full-service event management company focused on putting the best customers in front of the best businesses for mutual gain. Our extensive sales, marketing and event management experience all play a significant part in making our event memorable
Grace Benson
A professional freelance make-up and hair artist based in St Leonards on Sea, with over 12 year's experience, Grace has a real talent for making someone feel their most beautiful on their special day.
Take a look at our recent photoshoot at Lewes Castle to see some of her amazing work.
Lisa Torrance Hair
A mobile hairdresser with over 10 year's experience level 3 & a2 qualified. Alongside Grace Benson, Lisa created all of the beautiful hairstyles for our recent photo shoot.
Andy Kerr Photography
Incredibly skilled at making you look your absolute best in your wedding photos, Andy goes above and beyond to make sure that you also receive an amazing, first-class experience from the moment you contact him all the way through to your wedding day, and afterwards as well.
John Schofield Photography
Having only ever received 5 star ratings from his clients, John's testimonials speak for themselves. An incredible photographer committed to creating natural, stylish images that you will be proud to display. Having recently shot our staff photo shoot, John really can make you feel at ease whilst in front of the camera.
Teri Vincent Photography
An award winning female photographer based in the south east of England. Terri has been a regional finalist for the wedding industry awards 5 years running and won awards for the masters of UK Wedding Photography. After photography our most recent shoot, you can find Teri's amazing work on the cover of our leaflets and website.
Budding Sensations
Budding Sensations are specialists in Artificial Wedding Flowers. Creating contemporary, modern and traditional designs using only the highest quality artificial flowers. Offering a professional but friendly service, Rachel has created many bouquets and flower arrangements for our shop.
AGLG Events
Offering you some of the finest wedding fair events in the South East of England, AGLG pride themselves in excellent choice and variety and "on trend" wedding styles.
W.E Clark & Son
A multi-award winning family-run jewellers, with a long history in the county of Sussex (200 years!), W.E Clark & Son offer a wide range of jewellery including bridal pieces.
Kimberly Wachnianin – Makeup
Working with Kim is always an absolute pleasure. Kim uses her knowledge of colour theory along with her expertise to enhance you features and make you feel both confident and beautiful on your big day.
Stuart James Photography
An amazing photographer, with a creative mind and excellent eye for detail. Stu photographed our recent shoot at Lewes Castle, Take a look at his fabulous work throughout our social media and website.
Jenny Sefton
Sefton Studios is an independent graphic design studio based in East Sussex that specializes in unique, elegant, wedding stationery inspired by the beauty of the English country garden. The initial designs are hand painted or drawn to give each design a personal and romantic feel.
Brighton Video Production
Brighton Video Productions offer professional filming and editing services and work with all size of businesses from small to large corporate clients. Tim the founder, has created incredible videos for our social media.
Falcon Cars
Falcon wedding cars are dedicated to providing the perfect classic vintage wedding car hire. Covering all areas of East and West Sussex, let them help you make your wedding day extra special. Pete's stunning cars have featured in our photo/video shoots.
Guides For Brides
Bringing brides and grooms the ultimate wedding planning hub for planning your perfect big day. From wedding suppliers, fairs and advice to gorgeous inspiration, the latest trends, special offers and competitions.
Beautiful Classics
Beautiful Classics offer vintage cars for hire for weddings and events, including a spectacular MG Magnette. Their motto is to "bring back good old fashioned fun, one classic car at a time".


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Buy & Sell
Extra Services
Modern technology is reaching every corner of the globe, and leaving no industry untouched, as now a local company has come up with an Awamori Large-Scale Dictionary for the smart phone iPhone.
Finding awamori with iPhone easier than ever
Date Posted: 2010-12-02
The software application produced by Rakuen-Keikaku, a company that deals with the restaurant and publishing industries, works with the Apple iPhone, listing all 365 brands of awamori from the beverages 48 distilleries on Okinawa. The software lets customers sort for different awamori brands, taste, fragrance, percentage of alcohol, by distiller and by awamori name.
The companys president says it can make a contribution to expanding awamori into mainland markets, giving me the chance to increase opportunities for youth and women to enjoy awamori. The new application is set for a mid-December release in time to celebrate the companys 20th anniversary. The new application, which also works on the iPod Touch, will sell for ¥600. A company official says its examining ways to integrate the new application into many iPad and Googles Android operating system, setting a goal of 10,000 units sold in the initial marketing effort.
The application introduces the history, manufacturing process and personality of each of the 48 awamori distillers in the Prefecture. It also has columns about awamori, and Okinawa cooking recipes that use awamori.


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Artwork should be easy to hang, however, it must also do so in an aesthetically pleasing manner (nearly flush to the wall), and with security of the artwork in mind. Therefore, these instructions, and fasteners are in place to help a prospective or current customer know how to hang a 68″ size Hawaii Island chain wall art set by the artist. Between the quality metal finish on the edges/faces of the Hawaiian islands, the ease of hanging, a lightweight design, and a reasonable price–these are likely the best choice if you would like to hang a Hawaiian Island chain. With such said below are a slightly simplified set of the instructions and a full version will be included with any relevant purchase.
Consider your hanging location–excessive direct exposure to the elements is not advisable. Be certain to read through the instructions and if you have any questions please do not hesitate to contact the artist.
Tape the brown paper template to where you would like to hang the set.
(Using low stick "blue tape", etc)
(The included map with template can aid in the positioning of each island)
Transfer the dot/star positions using a sharp instrument or pen that can mark through the paper.
Identify the hardware used for each island, install the hardware, and hang the islands:
Included is a bag of 2x wall anchors and screws–one for the Big Island and one spare.
A bag with several tacks are included for smaller islands.
A bag with shorter drywall screws and longer ones are included.
One can use either, however, both are included for customer's convenience.
Big Island Hanging:
The Big Island uses a drywall anchor which fits within the island's internal T-Slot.
For the included drywall anchor it's advisable to pre-drill the hole; as although the manufacturer mentions such isn't necessary–I personally feel it is worth the small effort in doing so.
Once the plastic drywall anchor is installed insert the screw so that it can be inserted into the T Slot and that the Big Island can hang properly on the wall.
Hanging Oahu, Kauai, Maui, & Molokai:
Oahu, Kauai, Maui, and Molokai use drywall screws.
Screw the drywall screws into the correct marks where Oahu, Kaua'i, and Maui go. Be sure not to screw the drywall screw all the way in, but keep it off the wall far enough to go into the hole of the island's magnet.
Insert screws enough so they contact the countersunk magnet and that the island hangs relatively flush against your wall.
Molokai requires the screw to be set flush against your wall.
The islands may require slight adjustments by turning/backing the screws in and out in small increments.
If desired different or longer flat headed magnetic screws can be used depending on one's needs.
The smaller islands such as Lanai, Ni'ihau, and Kahoolawe:
These islands feature flush/flat "set" magnets–such use tacks, and the islands stick directly to them. All the smaller islands are lighter and therefore merely stick to the tacks. Hammer the tacks flush to the wall, and hang the islands. Molokai can be hung with either tacks or a drywall screw.
If desired longer or wider headed fasteners can be used.
As before one's own hardware can be used depending on the need.
Metal Finish Hawaiian Island Chain Care and Maintenance:
The included wax finish should last an exceedingly long time, and requires no care if kept indoors. With potential exposure to the elements please contact the artist beforehand and additional wax will be supplied along with a suggested maintenance schedule.


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We just got in a handful of marvelous new work from the talented Jim Dick, Meagan Abra Blessing and Jake Gaedtke. Come stop by A. Banks to see these impressive works of art in person.
Meagan Abra Blessing
Jake Gaedtke
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20th Century Fox's upcoming Rise of the Apes has went from being a potential summer release to becoming a potential Thanksgiving release and now back to being slotted into the summer calender. While Fox never really revealed their reasoning behind pushing it back to the November slate a few months back, it seems they've changed their minds and now have it premiering into theaters August 5, 2011.
The new date means the Planet of the Apes origin tale will open up against 3D releases, The Smurfs and The Darkest Hour. Ryan Reynolds and Jason Bateman also have a body-switching comedy called The Change-Up striking that weekend. Can "Apes" hope to pull in strong numbers against that 3D competition? Sound off with your theories below.
The film will star James Franco, John Lithgow, Freida Pinto, Andy Serkis, Brian Cox, Tom Felton and David Oyelowo. Helmer Rupert Wyatt led the direction based on a screenplay by Amanda Silver and Rick Jaffa.
Plot Concept: Set in present day San Francisco, the film is a reality-based cautionary tale, a science fiction/science fact blend, where man's own experiments with genetic engineering lead to the development of intelligence in apes and the onset of a war for supremacy.


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Judith Vergara Garcia
painter born in 1986
Judith Vergara García was born in 1986 in Bellavista - Callao close to the Callao's sea in Perú.
When she was a child she started to show interest in painting,
Judith used to draw with a blue pen on her black notebook that she still keeps in some place of her home.
Judith studied Art at the National School of Fine Arts in Lima.
She started to participate in Art Exhibition since she was a student.
She has taken part of collectives' exhibition in Spain, United States, Chile, Mexico, Cuba, Colombia and Germany.
Judith has been featured in several publications Peru, Spain and Chile.
Now she is developing her personal art projects in painting, watercolor and digital illustration.
• "Post Tenebras Lux" Cardinali Gallery - Societa Dante Alighieri - Miami, USA
• "Delirium" Gallery 770 in Ricardo Palma Cultural Center - Lima, Perú
• "Dark Body" Bruno Gallery - Lima, Perú
• Exhibition in Lima's Cultural Center Ccori Wasi.
• Cota Festival of Plastic Arts - Cota, Colombia
•"Mother May I?" Thumbprint Gallery - San Diego California - USA
•"Materia Prima" Blam Gallery Brooklyn - USA
•"Pop - Art Gallery at Pop Allston" Boston - USA
•"Pintoras" Museum of Art San Marcos, Lima - Perú
•"Imágenes" Gallery of Sheraton Hotel, Lima - Perú
•"Más allá de los Referente" Gallery of Sheraton Hotel, Lima - Perú
•"Más allá de los Referente" Cultural Center of National School of Fine Arts, Lima - Perú
•"Mundos Diversos" Cultural Center Peruvian - Japanese, Lima - Perú
•"National Salon of Painting ICPNA" Gallery Juan Pardo Heeren, Lima - Perú
•"Art Fest" Contemporary Art Salon - Cultural Center Juan Parra del Riego - Lima, Perú
•First Art Convention "COPA"
• "Pandogatos" Illustration and Desing Fair - Diego Portales Univertsity - Chile
• "Art Takes Miami" Scope Art - SEE ME NYC - E.E.U.U.
• "29th Annual Chelsea International Fine Art Competition" – Agora Gallery New York – USA
• ASPHYXIA "Colectivo Oscuro" – Interval Chaos II Chile
• "Desde el Interior" Galería Sérvulo Gutiérrez - Lima, Perú
• "Second Patio" Escuela de Bellas Artes Sede Central – Lima, Perú
•" Mis primeras visiones" Savarín Cultural Center – Lima, Perú
• "Lima City" Juan Parra del Riego Cultural Center– Lima, Perú
• Salon of Illustration "Imagen Palabra 4" - Bogotá, Colombia
• Winner of Postcard Contest "LW Postales" – Art Project México e India – Puerto Vallarta, México
• "Nueva Pintura del Perú" Latino Art Museum Pomona, Ca. USA
• XXXIX National Salon of Watercolor ICPNA – Lima, Perú
• "Erotic" Art Space - Cholas Bravas – Lima, Perú
• "Imágenes de Arte Peruano" Cultural Center Gallery Parque de la Amistad – Surco – Lima, Perú
• "I Colectiva de Jóvenes Artistas" El Olivar Cultural Center – San Isidro, Lima, Perú
• "Desenfranquiciados 9" Hotel Los Delfines – Lima, Perú
• "Joyas del Apocalipsis" Traveling Exhibition Perú – Chile
• II Festival Internacional de Cultura "Rostros de Sal" Casa de la Cultura – Ixtapan de la Sal - México
• XXXI Festival del Caribe "Fiesta del Fuego" – Santiago de Cuba
• "Trazos de la Historia" Art Space Casa Pausa - Miraflores, Lima, Perú
• "Arte para Compartir III" Sala Aires – Córdoba, España
• "Arte para Compartir II" Galería de Arte Carlos Tinning – Magdalena del Mar, Lima, Perú
• "Técnicas Mixtas" University Las Américas Gallery – Lima, Perú
• "KUNSTPERÚ" Peruvian Art in Berlín, Institut Fur Alles Moglische, Berlín – Germany
• XXII Concurso de Acuarela "Paisaje Peruano" Galería John Harriman – Miraflores, Lima, Perú
• "Expo Venta de Arte Navideño" San Isidro, Lima, Perú
• XXXVI National Salon of watercolor ICPNA - Lima, Perú
Private collection
Exhibition in Lima's Cultural Center Ccori Wasi (8-29 March 2019)
2 artworks selected for
permanent collections
Museo Arte Erótico Americano
Between Dead Leaves - 2017
Ink and Acrylic on panel 8 x8 in (20 x 20 cm)
Permanent collection of Museum MaReA
A Word by the Artist
Judith Vergara García is a figurative contemporary artist.
"My paintings come from loneliness, black and white photography, life and death.
My figurative oil portraits represent a timeless woman in search of immortality in surreal settings.
They change constantly at the same time that their emotions. My emotive portraiture reflects the vulnerability of woman facing an inescapable time line. These figures are fertile, fragile, and unable to conceal their fears and desires.
The natural and animal elements create a connection between the earthly and spiritual world.
My images depict our inexorable journey of mortality viewed through my imaginative lens."
Judith Vergara Garcia
Full screen view: Click on photos
Video of the interview of Judith Vergara Garcia
by the Magazine Dosis Cultura Alternativa (January 2014)
Judith presents her solo show in the Ricardo Palma Cultural Center - Lima, Perú
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Frequently Asked Questions (FAQs) The Five Behaviors of a Cohesive Team™ & Five Behaviors: Personal Development
Click on a question below to view an answer. Click on the question for a 2nd time to hide the answer.
For teams that are fluid or change often Corexcel has released Five Behaviors: Personal Development. This program allows individuals to compare themselves to other individuals and use their assessment with various teams.
Five Behaviors: Personal Development training sessions are recommended as half-day programs with a focus on helping individuals become better teammates.
No, a certification is not required to administer the program. Everything you need to present a successful program is included in the facilitation kit.
However, a Five Behaviors of a Cohesive Team™ Accreditation is available for those who wish to become an Accredited Facilitator.
Five Behaviors: Personal Development assessments can be taken individually, with comparison and facilitator reports able to be generated once two or more participants have completed the assessment.
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Your home health agency is almost certainly still adjusting to the significantly new PPS system. Among the many changes came the un-bundling of non-routine medical supplies (NRS) -- a big deal to the home care industry, which has conventionally not paid enough attention to the procurement, utilization and billing of supplies since CMS initiated PPS. However that's essentially as the original PPS model bundled supplies into the patient HHRG. The question is: Can you really take care of stage 4 wounds with the dollar amount that we've been allocated. But it didn't seem real likely to me. Let us see how CMS OASIS would look like with two stage 4 pressure ulcers.
Suppose at MO450, two or more pressure ulcers are stage 3 or 4. The patient has two stage 4 ulcers and received three points there at MO450 and then at MO460, the most problematic ulcer was a stage 4 so they scored a 4 on their OASIS and got 16 points there.
So what did that do? The functional points you can scroll through just remained at six. And go to slide 48. We have a C3 F2 F2 $2,855.38. We had a total of $67 supply points and remember, those non-routine supply points come from table 10B of the CMS table. And they're additive according to the recent CMS OASIS rules. You're adding the MO450 score to get the total points. This patient ended up being a non-routine supply severity level five. And the total add-on is $320.37, for total revenue of $3,175.75. So let's see what happens with best practice.
Let us see what has happened across the board here. You can compare the unstaged wound, you can compare the stage 2 pressure ulcer against the stage 3 and then two stage 4s. Let's take a look at best practice management of these two stage 4 pressure ulcers.
Suppose the total cost was $207.96. So yes, they were able to come in under the total dollar amount of $320 and some cents. Well then, the wound care nurses decided they wanted to make it even more complicated because they didn't believed it either. And they said, "Well, what if your stage 4 wounds were infected."
So now we have a description of stage 4 infected wounds. Suppose the supplies and the total dollars were $310.32. So, they did come in under the total dollar amount.
Now again, there are going to be situations where you are not going to come in under that level, situations that you're unable to change the physician's orders about, you know, how he or she wants that wound taken care of as per the home health guidelines.
Home Health Training Tip: But the importance of this really, is to just demonstrate that it is possible and it's very, very important that you are very actively looking at this and working hard to have as many situations as possible where you have wound care experts and other industry as experts sitting down to help you develop best practices. So that you can look at how much you're spending and what your patient outcomes really are.
There's also another home health compare element added into the items and for the demonstration project as far as pay for performance on problematic wounds and hospitalizations related to wound issues. So this is a very, very important thing to know about.
Get more home health training tips and updates like this with AudioEducator.


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Wilson brings a new look to a legendary tennis racket. This legendary tennis racket is known as Pro Staff RF97 Autograph among the tennis players. This racket is specially modified for a legendary tennis player Roger Federer. Roger Federer helped Wilson to design this racket. It also has the same velvety texture and matte finish as the previous generation. The racket has a feature of a white and black tuxedo cosmetic, in addition to Federer's engraved signature of a laser. Boasting the same features and playability as the previous version of it, this updated version is distinguished by its elegant simplicity and boldness. To provide a proper concept about this great racket, we have brought this article about Wilson pro staff rf97 autograph review. The racket is one of the most popular tennis rackets. The RF97 Autograph of 2018 deploys the timeless Pro Staff formula of Wilson and also includes headlight balance, a braided graphite layup, Perimeter Weighting System, and a thin beam. This racket is one of the most demandable rackets among the most tennis player. You guys may be amazed to know the popularity of this racket. We will discuss all the facts related to this racket to provide you guys with proper information.
Wilson Pro Staff RF97 Autograph Review: The Best Choice for Tennis Player
Wilson is a famous name among the tennis player. Wilson has tried always to bring something new and great equipment for the players. Wilson pro staff rf97 autograph review will also provide you the same contribution of Wilson. The racket is tossed in a thin leather grip to bring the result of a truly classical feel. The racket has 12.6 ounces strung but, Federer's Pro Staff is loaded with stability and plow-through which will allow you to redirect a heavy pace with impressive ease. This modern Wilson racket for tennis has a more beam which is angular, a slightly wider unlike the iconic 6.0 85, to give the racket a powerful shot than the most other traditional player's rackets. Federer and Wilson have created together classic and modern tennis racket with that update to the Wilson pro racket for the tennis players. With some genuine put-away power for the attacking tennis players, it is also capable to deliver a high level of precision on full cuts. Experienced tennis players always look for a great tennis weapon for a surgical shot with a great feel so, this weapon should be given to those tennis players. Thanks to the racket's headlight balance, the players will feel surprisingly fast after having RF97 in hand for its 12 plus ounces. This feature will give the topspin players the kind of explosive acceleration and whippy that makes for a big spin.
Features of Wilson Pro Staff RF97 Autograph:
Now, it is time to know the features of this amazing racket which you will get. Here, they are-
Head size: The head size of the Wilson pro racket is 97 in² / 625.81 cm².
Length: The racket has a length of 27in / 68.58cm.
Strung weight: 6oz / 357.2g is the strung weight of the racket.
Balance: The balance of the stick is 12.38 in / 31.45 cm / 9 pts HL.
Swing weight: The swing weight of the Wilson pro racket is 335 gms.
Stiffness: The stiffness of this weapon is 68.
Beam-width: Beam-width of the tennis stick is 21.5 mm / 21.5 mm / 21.5 mm.
Composition: The composition of the racket is graphite braided with aramid.
- Stroke-style: Full stroke-style racket.
- Swinging speed: Fast swinging speed.
- Color: The available color of the racket is black-white.
- Grip type: Grip type of the racket is Wilson Premium Leather.
- String tension: String tension of Wilson pro is 50-60 pounds.
- Color limitation: Color is limited to the racket.
- Power level: The racket has a low power level.
- Heavy weight: The racket is a little bit of weight.
Buying Guides of Wilson Pro Staff RF97 Autograph:
Now, we are going to share some buying guides with you guys. Before choosing and buying this tennis racket, you should know these tips. We are sure that these tips will help you guys. Here, are the facts that you must need to be considered when buying this tennis racket.
Head Size of a Tennis Stick
Tennis rackets usually come in the head size ranges given below-
- 80-94sq. in: These are smaller racket heads come with small sweet spot and they are built for the tennis players of advanced level. These rackets are known also as the mid-size head.
- 95-105sq. in: These are mid-plus sized rackets which are just perfect for the all levels of tennis players like- beginners, intermediates and advanced athletes.
- 110-115sq. in: The tennis rackets which are over-sized especially designed for the beginner players who have just started playing tennis. These rackets have with more accuracy a large sweet spot.
- 116-135sq. in: Super oversized head sized tennis rackets with an extra-large sweet spot. These tennis rackets tend to be heavier because of they have large heads.
Grip Sizes of the Tennis Rackets
Most of the rackets for tennis have a standard grip size but here we are giving some grip sizes which you should know before buying a tennis racket-
- 4 1/8 = 1
- 4 ¼ = 2
- 4 3/8 = 3
- 4 ½ = 4
- 4 5/8 = 5
These 5 sizes are the available grip size for tennis rackets. Grip sizes no.1, 2, and 3 are usually best suited for juniors and women. For men, grip size no. 4 and 5 are the best choices.
Let's Enjoy a Video…!!
Our Verdict
In our article about Wilson pro staff rf97 autograph review, we discussed everything related to the racket in detail. I Hope, you love our article and get all that you need to know this tennis racket. To know more, stay with us and keep mailing us or comment in the comment section. Remember, a tennis racket plays a vital role in the game but a player also has to be skillful. All the best.
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With superstars being few and far between in Indian football, it's hardly surprising that not too many match Bhaichung Bhutia's stature. The Indian captain who recently became the first to play 100 international matches though has recently been in the news not for his onfield exploits, but rather for different reasons off it. And the sport's ruling body, the All-India Football Federation (AIFF), has done its two bits, adding fuel to the fire.
This when there is no certainty on whether this is part of AIFF's rules. Can a player suspended by his club on disciplinary grounds switch teams? The AIFF says the matter is still under arbitration and Bagan is up in arms, saying legal recourse awaits it. For his part, Bhutia says he was given "permission" by the AIFF arbitrator to play for any team of his choice until the final decision was taken.
Dead ball
A low-down on what is ailing Indian football and the various governing bodies
The much-touted I-League has become the most important event in AIFF's calendar, and the once popular AIFF tournaments like the IFA Shield, Scissors Cup, Rovers Cup, Durand Cup, Bordoloi Cup and even the national championship, the Santosh Trophy, have taken a backseat.
Asked whether this is really helping Indian football, AIFF general secretary, Alberto Colaco said: "The I-League has to be the most important football tournament in the AIFF football calendar. The success of the national team is directly dependent on having a very good professional football league. If you see Japan, until they launched the J-league, the performances of the national team were not good. The AIFF competitions have to be restructured and there has to be a clear division between amateur and professional football."
With many regions of interest and a huge talent pool, the results around Indian football remain poor. For a long time, the lack of sponsors and funds was AIFF's favourite whipping-horse. In 2005, Zee Sports signed a 10-year deal to televise and market domestic football worth around Rs 273 crore.
Colaco, whose contract has been extended till December 31, says AIFF now receives $250,000 from FIFA every year. Colaco maintained that the money is being utilised for training the future of Indian football: "AIFF has a National Team Development Project which spots and trains talent from the under-14 stage to the senior level. The various stages are U-14, U-16, U-18, the Olympic Team, the Asian Games Team (U-23) and the National Team. We started three years back and some very good players are now in the under-19 team who are products of this project."
But the AIFF's most prominent acts remain procrastination. Few people remember the huge fanfare with which FIFA President Joseph Blatter launched the "Win in India with India" project during his visit to India in 2007.
The AIFF had submitted a nine-point proposal and road map for the project to the FIFA. making a round of the selected venues. Recently, FIFASecretary-General Jerome Valcke said the wheels of progress were moving slowly in India and it was taking more time than expected.
Indian football's bane has also been the lack of infrastructure with top teams still not owning their own stadiums. National coach Bob Houghton had always maintained that just as good schools and teachers are necessary for the growth of a nation, good infrastructure and coaches are a must for a country to develop good footballers.
He had often rued that players who do well in the under-19 stage or come out of academies like the Tata Football Academy or the SAIL Academy, often are lost in the next stage.
Indian football has also been concentrated in a few states like West Bengal, Goa and Kerala. The popularity of football in these states is still unparalleled but somehow the AIFF has not been able to translate this and encourage interest at an all-India level.
So even when there are glimpses of hope in the performance of the national team over the past two years, It's a long way India reaches its old heights set in the 1950s and '60s when it won the gold at two Asian Games and came fourth in the Olympics at Melbourne in 1956. Once an Asian football powerhouse, India currently does not figure even in the top 20 in the continent.
India beat Syria in the Nehru Cup final two months ago, but as former captain Chuni Goswami, said, "We have not been tested against the best teams of Asia, leave alone Europe. The litmus test will be when we are pitted against teams like South Korea, Japan. Saudi Arabia or Iran." That test is not far away. After 25 years, India have now qualified for the Asian Cup to be held in 2011. It remains to be seen how India does when it returns to the Asian big boys' league.


text: Bow hunting has become immensely popular during the last 5 decades. Despite this, many hunters that have experience of hunting with guns too, comprehend that bow hunting does not imply returning home with some slain animal. As a matter of fact, bow hunting presents more challenges compared to gun hunting and only an expert hunter can kill an animal in the wilderness.In the following paragraphs, we have provided the top 5 tips that will come of use to you while using a bow for hunting.1. Selecting the proper bowSimilar to firearms, you will … [Read more...] about 5 Proper Tips When Using Bow on Hunting


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What better natural beauty to behold than the sprawling hills, valleys and plains during the monsoon season? There are very few places in India, which turn into heaven during this season, when everything seems so pure and fresh that one can easily feel the essence of heaven within their boundaries.
One cannot merely ignore this expanse of nature which is meant to let everyone feel its undeniable beauty. So, if you are looking for a place where you can savour the best of monsoon, then it is advisable to make a trip to Meghalaya, also known as the abode of clouds.
Even though one doesn't need a reason to explain a visit to Meghalaya, we are still focusing on certain things, which can allure any tourist or traveller to pack their bags and be on the roads leading to Meghalaya. Read on to know more about top 5 reasons why you should visit Meghalaya this monsoon.
Rekindle The Freshness Within You
Who wouldn't want to hang out amid unpolluted and pristine nature to feel the freshness of life? Well, Meghalaya in the monsoon season can assuredly get along with you on account of its surroundings which seem so tender that they can send you to the world of equilibrium, thereby, soothing your mind, body and soul.
The utter silence of its green environment, when mixed up the melodious tunes of beautiful streams and the pleasing effect of a cool breeze, makes the whole surrounding seem like a small paradise expanding on the earth. Such an amazing atmosphere can certainly rekindle the freshness within you and make you feel uplifted with supreme bliss and contentment.
The Surroundings Seem Lovey-dovey
It cannot be denied that Meghalaya is one of the most desired stoppages in India for couples, especially during the monsoon season when the whole environment seems romantic. It wouldn't be justifiable if you do not get excited with your partner amid the soft patter of the rain as it adorns the tender green leaves of your surroundings.
The drizzling moments of Meghalaya will certainly compel you to get intimate and come closer to your partner. Wouldn't you love to cherish such an everlasting experience and make you past filled with countless romantic hours? If yes, then you must catch a road leading to Meghalaya this season.
The Lush Forests Turn Greener And Irresistible
How about running forward to catch the beauty of Meghalaya through spectacular views framed by its natural setting? Yes, during the monsoon season the forests and lush vegetation of Meghalaya turn greener, thereby, making the whole atmosphere an irresistible beauty to savour.
Here, you will be leading a life in a world filled with green carpets of nature. Wouldn't it excite you? So, if you have never been to any destination which redefines the greenery in nature, then you need to plan a trip to Meghalaya this monsoon.
Everything Is At An Affordable Price
As Meghalaya records the highest rainfall in India during the monsoon season leaving each and every corner filled with water, it becomes a less preferred destination amongst common tourists. Hence, the average price of hotels and homestays reduces to a low amount, making it an easily affordable destination. Isn't it a wonderful reason to plan a trip to Meghalaya? You can explore the best of natural beauties within a minimum amount. So, why refrain from backpacking to this heavenly setting this monsoon?
Living Root Bridges Convert Into Heavenly Tracks
Another major reason to visit Meghalaya during the monsoon season lies in the appeal and attractiveness of the living root bridges. During this season, the surroundings of these living root bridges get characterised by beautiful streams, vibrant nature and rich wildlife, which in turn make them look like heavenly tracks. What do you think of taking a stroll on these mesmerising bridges now?


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Houston, Purdue Show Grit In Chapel HillAt The Ballpark
CHAPEL HILL, N.C. — Houston battled its way back from a 4-0 deficit in Sunday's elimination game against Purdue, breaking a 4-4 tie with four runs in the eighth to win 8-4 and end Purdue's season. Both of these teams stood out for their competitiveness and resilience over the course of the season, and those traits were on full display Sunday, too.
"One of the important things in our program — I talk to kids all the time, it's part of our culture — is enthusiasm," Houston coach Todd Whitting said. "And when you play with enthusiasm, you can overcome a lot. … At some point, when you play with enthusiasm, things have to turn around for you. They have to."
Houston tied the game with three runs in the sixth, capped by Connor Hollis' RBI double. Then the Cougars went ahead on Joe Davis' opposite-field solo homer leading off the bottom of the eighth, sparking a four-run outburst that included back-to-back RBI triples by Tyler Bielamowicz and Grayson Padgett.


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Swiss gross domestic product will rise 1.9 percent this year and 1.3 percent in 2009, the Bern-based State Secretariat for Economic Affairs said today in a statement, maintaining its forecasts from June. Risks to the 2009 outlook have ``significantly increased,'' it said.
Switzerland's economy is cooling as financial-market turmoil hurts earnings at banks including UBS AG and Credit Suisse Group and a U.S.-led global slowdown weighs on export demand. The Swiss economy may slip into a recession early next year, the KOF economic research institute said on Sept. 29.
The Swiss economy may expand 0.3 percent next year after growing 1.9 percent in 2008, Zurich-based KOF said. The Swiss National Bank said today in its quarterly report it expects the economy to expand between 1.5 percent and 2 percent this year followed by ``considerably lower'' growth rates in 2009.
The European Commission last month cut its growth forecast for the economy of the 15 euro nations to 1.3 percent from 1.7 percent and predicted a recession in Germany, Switzerland's largest trading partner. The Brussels-based commission said it may also trim its 2009 forecast next month.
With the financial-services industry accounting for about 16 percent of GDP, the Swiss economy is more vulnerable to the global credit crunch sparked by the U.S. housing slump. The SNB along with the world's largest central banks has injected billions into the financial system to facilitate lending.
In Switzerland, a slowdown is already deepening. Manufacturing contracted for the first time in more than three years in September. A gauge of consumption dropped in August and leading economic indicators declined to a five-year low.
Swiss exports may rise 3.4 percent this year and 2.3 percent in 2009, the state secretariat said. Spending on equipment may increase 3 percent in 2008 before stalling in 2009. Consumer spending may weaken to 1.6 percent in 2009 from 1.9 percent.
The Swiss government's forecasts are based on estimates of the euro region expanding 1.4 percent this year and next. The German economy is seen growing 1.6 percent in 2008 and 1.4 percent in 2009 and the U.S. 1.6 percent and 1.3 percent.
The Zurich-based SNB last month kept its benchmark interest rate at 2.75 percent. The three governing board members will hold their next monetary policy assessment in December.


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Newly Edited!
Francesco Giordano wants to retire and turn over his shipping empire to his only son Daniel. But the young, gorgeous, and sexy Daniel is more interested in fast cars, the family jet, and bedding women.
When Francesco decides the best way to make his son grow up is to change his identity and move him away from his Manhattan penthouse, Daniel's world begins to rock.
Sent to a little town in Tennessee, stripped of his family name and all access to money, Daniel finds himself on a mission to prove to his father that he can make it. If he doesn't, he risks losing the family business and billions of dollars.
Country life isn't setting very well with the fast-paced New Yorker, until he meets the woman who stirs up every one of his senses. Katherine is beautiful, sassy, and has no intentions of hooking up with the new stranger in town. She leaves without a word. Will Daniel risk it all to find her?
This book contains adult content.
File Size: 1310 KB
Print Length: 269 pages
Page Numbers Source ISBN: 1482678225
Simultaneous Device Usage: Unlimited
Publisher: Gossamer Publishing (June 26, 2012)
Sold by: Amazon Digital Services, Inc.
Language: English


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Search the Community
Showing results for tags 'servers'.
Found 12 results
driveclub DriveClub Online Features Going Away in 2020
Ryzza5 posted a post in Driving GamesFollowing the closure of Evolution Studios in 2016, Sony is now announcing the closure of online access for the popular racing game DriveClub. Fans of the game have one more year of online access before the servers are retired on March 31, 2020. If you have a PS4 console and have not yet tried out this game or some of its DLC, you will need to act a little faster as Sony will stop selling the DriveClub game and all of its add-ons following August 31, 2019. These dates have been added to the forum calendar. Source: engadget Screenshot courtesy ofSoundwave .
Arnaud Acking posted a topic in Tools / Others ModTdu2 Servers are finally UP and got nothing about why they were down any1 have some infos ?
As usually im starting TDU2 game as many times ago. I see servers are online for PC. it also appears on the launcher screen. But it hangs on image (video) right before entering into the game. Nor offline or onlien profile enter game. when entered credentials no error message, but "No network connection. switching to offline profile!" firewall is off internet works NAT: Moderate:portRestrictedCone but i guess i was able to enter game even in full restricted etc. BUT NOT NOW... any temporary tdu issue?
Servers are back up
Hermano_Nintendo posted a topic in Driving & Racing GamesYep, it was a false alarm, and a looooooong one too, authentification servers are also back wich means that all non-purchased DLC (in my case, the bikes and Corvette ZR1) have been transformed to those beautiful Miami's Mustang. At least i got some of my money back xD Game is back in Steam but not in the european Atari marketplaces. But i sincerely hope that Atari frees the DLC cars some day, maybe before definitely killing it, but being Steam a plattform that basically trascends time, that day feels too far in time. I want to pay Eden's efforts, not Atari lazyness EDIT: The game's running pretty good actually, i was surprised to see how fast it connected me to more thatn 5 players in Oahu.
[PC] Online servers problem!
Lanker2209 posted a topic in Driving & Racing GamesHi there. I installed TDU2 just few hours ago. Of course i choosed online profile. And, when i see the "Click ENTER to continue", below displaying text, that i must configure my network. In UpLauncher displaying ''Game servers available''. In game too. But i doesn't see players. What should i do? Sorry if my english is bad.
Petition to keep TDU1 servers online!
Guest posted a topic in Driving & Racing GamesPetition | Atari: Keep the TDU1 servers online! | Change.org Sign it! Share it around! The more people that sign, the better the chance we have of them listening to us :D
DGSotW Week 11: European cars
Ryzza5 posted a topic in Driving & Racing GamesCongratulations to robbillard for winning the Driving Game Screenshot of the Week last week. * Stick to the implied theme (don't look for technical loopholes) * Images must not exceed 800kB, and be at least 990px wide by 340px tall. * Each person who enters must cast a vote in the same week to remain eligible. You may not vote for yourself. * Winning image must not be of TDU2 as you risk account suspension. * Winner picks the next theme, unless winning consecutively, in which case the runner up decides. * Winner has 48h to PM a new theme to me or another member of staff if I'm away, if they fail to meet this then the theme will be a free round. * Competition is limited to games on all platforms of any age that are classified as driving/racing games. (i.e. FPS games that have cars in them wouldn't be eligible). Please mention what game your screenshot is from. * Minor non-enhancing editing permitted (cropping, addition of your name, etc) is permitted, as long as the actual screenshot isn't tampered with. Just like all these other comps. Week 11: European cars
forza horizon Servers not available
Ryzza5 posted a topic in Driving & Racing GamesCan't access multiplayer, car club, or marketplace, etc because I keep getting this message from the first time I played it on Oct 23 (after installing the 4mb patch and downloading DLC after installing the disc before playing). Is anyone else here having the same problem? Going to bed now but if anyone finds a solution would love to hear it.
Since yesterday Friday 25th May 2012 the TDU2 game servers on PC and the TDU2 site has been down, what is going on, could this be the end of TDU2? :lol:
Servers offline just for me??
cremelo posted a topic in Tools / Others ModHello everyone, Well last night I was playing quietly when you leave the computer and let my cousin playing, and was throwing up online, but now when I woke up I was playing the servers are off, and for my friends on this, and modem ports are correct .... The prune it have happened? They show this: http://i43.tinypic.com/358vthi.png http://i44.tinypic.com/2v1up1z.png http://i39.tinypic.com/2a7bvhl.jpg Already reinstalled the game, already cleared cache, since I returned the old save (had a backup) and so far all my friends I can play less ..... A friend of mine came to me saying that I could have taken because of Ban's Mod (Aventador, Hyara and Gallardo) though I doubt that's it ..... I contacted the support of Atari bad they did not respond until then.... Anyone has any idea of what can be? Tanks for Help now :)
TDU2 servers not available?
Incognito posted a question in TDU2 - SupportHi, guys! Is it just me or everybody is experiencing same problem? In past two hours the game reports that servers are not available...
Help Connecting To TDU Servers...
Drift King 1991 posted a topic in Driving & Racing GamesHi all. My problem is with the PSP version of TDU, where I'm trying to go online with it. I'm using Infrastructure Mode, and I can connect to my router just fine, but for some reason after I enter the info on 'Create New Account' it always displays an error saying 'The connection could not be established.' What does this mean and how do I fix this? Any help would be greatly appreciated! :confused:


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Costing (Rate of return, NPV, incremental analysis)
This content was COPIED from BrainMass.com - View the original, and get the already-completed solution here!
(A) Network Service Center is considering purchasing a new computer network for $82,000. It will require additional working capital of $13,000. Its anticipated eight-year life will generate additional client revenue of $33,000 annually with operating costs, excluding depreciation, of $15,000. At the end of eight years, it will have a salvage value of $9,500 and return $5,000 in working capital. Taxes are not considered.
(i) If the company has a required rate of return of 14%, what is the net present value of the proposed investment?
(ii) What is the internal rate of return?
(B) Collier Bicycles has been manufacturing its own wheels for its bikes. The company is currently operating at 100% capacity, and variable manufacturing overhead is charged to production at the rate of 30% of direct labor cost. The direct materials and direct labor cost per unit to make the wheels are $1.50 and $1.80, respectively. Normal production is 200,000 wheels per year.
A supplier offers to make the wheels at a price of $4 each. If the bicycle company accepts this offer, all variable manufacturing costs will be eliminated, but the $42,000 of fixed manufacturing overhead currently being charged to the wheels will have to be absorbed by other products.
(i) Prepare an incremental analysis for the decision to make or buy the wheels.
(ii) Should Collier Bicycles buy the wheels from the outside supplier? Justify your answer.© BrainMass Inc. brainmass.com June 4, 2020, 12:47 am ad1c9bdddf
Solution Summary
The costing rate of returns, NPV, and incremental analysis is examined.


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About two hundred summer interns with FedEx, Autozone and First Tennesee teamed up for a large volunteer effort to serve five different local non-profits on July 22. The interns worked through Serve 901 to assist Wolf River Conservancy, Shelby Farms Park Conservancy, Clean Memphis, Agricenter International, and Roots Memphis with a wide variety of projects. WRC's Jim Gafford led one group of interns in a bluebird nestbox and bat house construction project; these structures can now be erected in appropriate locations on WRC properties. Another group braved the intense heat and humidity to work on the pollinator habitat established by WRC in the parking lot at the Lucius Burch trailhead. The beds had become infested with grass and other weeds detracting from their appearance. This gung-ho group didn't hesitate, cheerfully jumping right in and making a tremendous difference! Now, it's the multitude of butterflies, bees and other pollinators that is the most noticeable feature of the trailhead habitats, not the weeds. WRC wishes to thank all of the interns for their hard work on our behalf and on behalf of our local community.
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Today on the House Floor today a resolution was offered to honor the "2560th anniversary of the birth of Confucius and recognizing his invaluable contributions to philosophy and social and political thought." Congressman Jeff Flake (R-Arizona) voted against the resolution … Continue reading
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www.matthewdunaway.com · 205-705-3590
July 2018
HOW TO CHANGE THE WORLD Remembering the Impact of Jack Barr
The world is full of people who have an innate desire to do good. Every day, someone looks around and asks, "How can I change the world for the better?" This is a noble pursuit, but I think a lot of people get caught up on the big picture. They develop a mindset where, if they aren't saving the whales or stopping global warming, then their impact doesn't matter. In my humble opinion, in order to see a better world, we don't need an army of global superheroes. We need more people like Jack Barr.
my wife and I moved to Birmingham. We were newlyweds at the time, and Jack and his wife, Carolynn, welcomed Beth and me so warmly into their church. Jack was married for almost 70 years, raising two kids, four grandkids, and many more great-grandkids, and all the while lending his kindness and support to other members of the community when they needed it. Not the sort of man you'd find in the spotlight, Jack almost never did anything ostentatiously. He was a quiet, behind-the-scenes person who provided a steady presence. This was a man who reminded me that we never have a neutral impact in the people we meet. In every situation, whether we're at work, church, or a baseball game, we leave a positive or negative impact on everyone we encounter. Jack was one of those guys who always had a positive impact on every person who interacted with him. genuinely good person. Before we can fix the world, we have to fix ourselves, and I think there's a lot to be said about trying to lead a good life and be a good person. If you want to change the world, don't just focus on the big gestures; focus on inspiring the people around you to take care of their families and build up their local community. Much of the positive impact Jack had on other people came from the fact that he was a
In my humble opinion, in order to see a better world, we don't need an army of global superheroes. We need more people like Jack Barr.
My daughter, Lily, and Mr. Jack
place in the history books or on the Hollywood Walk of Fame. A great man holds his family in high regard, makes a positive impact on everyone he meets, and provides a good, steady presence that others may find comfort in.
Here's to Jack Barr, a great man who made our local community a better place.
Jack passed away on April 20, 2018, at 89 years old, but his incredible influence on his family, his church, and on our community at large will never be forgotten. Jack was one of those cool old guys who showed the impact one man can have on the world by simply deciding to live a good life. I first met Jack 20 years ago when
Call today – 205-705-3590 1. –Matt Dunaway
Jack Barr is the kind of man I strive to be. A great man isn't someone who cements his
Published by The Newsletter Pro · www.TheNewsletterPro.commatthewdunaway.com
Made with FlippingBook Learn more on our blog


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The government's spokesman said the Turkish authorities are close to fully identifying the gunman responsible for an attack on an Istanbul nightclub which killed 39 people on new year's day and have detained eight other people.
Addressing a news conference, Deputy Prime Minister Numan Kurtulmus said the information about the fingerprints and basic appearance of the terrorist have been found and the process to identify him swiftly will be carried out.
He said it was clear that Turkey's military incursion into Syria, launched in august, had annoyed terror groups and those behind them, but said the offensive would continue until all threats to Turkey were removed.
Kurtulmus also said Sunday's attack bore significant differences to previous attacks in Turkey and that it had been carried out to create divisions within Turkish society.


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Micro Africa Ltd (MAL) is a well established micro-finance institution with operations through-out the East African region and provides credit services and financial solutions to organized groups, businesses and individuals.
For more information about us, log on to:www.microafricagroup.com & www.letshego.com.
Applications are invited from suitably qualified individuals to fill the following positions for the East African Cluster, which comprises of Kenya, Uganda, Rwanda, Tanzania and South Sudan.
The positions will be based in Nairobi, Kenya.
Group Chief Finance Officer (GCFO)
The overall responsibilities of the above position will be to manage, direct and implement the financial strategies, objectives, policies, procedures, financial function control environment, reporting and planning for the Group.
The overall responsibilities of the above position will be to manage, direct and implement the financial strategies, objectives, policies, procedures, financial function control environment, reporting and planning for the Group.
Key performance areas include, but are not limited to:
· Development of the financial and overall strategy of the Group and shaping the implementation plans
· Maintaining good financial and MIS systems, processes and procedures
· Manage the budgeting and monitoring process
· Developing risk management policies relevant to the Group, updating these as necessary, and ensuring their implementation.
· Evaluating the tax and fiscal environments and assessing the best fit for the Group's tax compliance and strategy
· Ensuring that all Group entities are in compliance with the respective local statutory reporting requirements
· Ensuring timeliness, consistency and quality of information provided to management and the Board
· Responsible for overall HR management including recruitment, retention and motivation strategies
Qualifications and Experience
· A fully qualified Chartered Accountant: CA/ACCA/CIMA. Masters in a related field would be an added advantage.
· At least 10 years' continuous relevant experience with at least 4 years executive management experience in banking and financial services
· Overall high degree of IT literacy
· Be an outstanding communicator with excellent leadership and interpersonal skills.
· Experience in managing the financial, tax and regulatory aspects of a regional (East Africa) entity will be an added advantage.
· Must be willing and able to travel regularly.
Group Finance Manager (GFM)
The overall responsibilities of the above position are to manage and report on the finance function of the Group segment.
Key performance areas include, but are not limited to:
· Ensuring the financial controls, policies and procedures are adequate, effective and are complied with
· Ensuring that financial and operational forecasts and budgets are produced to a high level of technical and contextual quality
· Providing quality management and financial information in a timely manner.
· Ensuring compliance in all tax matters
· Ensuring the company's resources and assets are appropriately safeguarded
· Annual external audit and financial reporting co-ordination, management, resolution
· Maintaining relationships with stakeholders, including banks, regulators, external and internal auditors
· Managing performance and progression of finance team.
Qualifications and Experience
· A fully qualified Chartered Accountant: CA/ACCA/CIMA.
· Masters would be an added advantage.
· 7 years' continuous relevant banking or financial services experience with at least 4 years in senior management
· Good communication, analytical and IT skills
Suitable candidates should forward their application together with their resume by close of business 21 September 2012 to:
Goal Advisory Services,
P. 0. Box 14426 -00100,
or by E-mail to: firstname.lastname@example.com
Only short listed candidates will be contacted


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Under Armour, the originator of performance apparel, footwear and equipment, has earned the position of number one Men's Golf Apparel brand in both units sold & value for the UK*.
"Earning this honour within 9 years of launching our first golf product in the market is a testimony to the appetite of both the consumer and retail partners in the region, hungry for innovation and performance products," said a Company spokesman.
The meteoric rise of the Baltimore-based brand in the UK Golf Industry, who last week also launched the first Jordan Spieth signature shoe, the Spieth One, was detailed in the latest Golf Datatech Market reports for 2016, published this earlier this month.
In the Full Year Report for 2016, Under Armour finished over 36% larger than its nearest competitor with a value market share of 14.9% in Men's Apparel (Shirts, Tops & Bottoms) for the On & Off Course combined market.
Under Armour's dominant performance was achieved by claiming the number one market share value position for each individual Men's Apparel category (Shirts, Tops and Bottoms) for the On & Off Course combined channels.
The Market Share data for Q4 in 2016 also points towards even further growth for the brand in both On & Off Course channels, with Under Armour enjoying 17.1% value market share in Men's Tops, Shirts and Bottoms, making it 76% larger than its nearest competitor for Q4.
*Golf Datatech, LLC 2016 On and Off Course UK retail apparel market share reports.
Under Armour golf products UA.com


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I had a quick course of database few years ago and I forgot a lot from there. So you can say I'm starting from zero. I will try to explain to you on what I want to do and a picture with what I did so far.
We have a small business at home to change tires on a car (winter tires, summer tires). When I customer comes and changes tires they usually left them in our shop and we store them on a shelfs in the basement. For easier explanation let's say we have only 5 shelfs labeled from A1 - A5.
The guy comes to change from winter to summer tires. A receptor takes his name, address, car model, tires specification (of winter tires). Summer tires comes on the car, and the winter tires goes into the basement and on the shelf (let's say they go on location A1). After they are placed on the location we update the database with the location of the tire. When he comes next year we do a SQL query to see where he has his winter tires and we change them.
After receptor makes a paper with his information (name, tires, etc.) she prints this list with QR code on it with his client it. The paper goes with tires to basement and when a worker puts the on a shelf, he scans QR code on the list and QR code of location (a1 shelf) and update the database with location information of where tires are being stored.
I hope you see what I'm trying to make.
Here is the link of the ERD I made so far:
Can you please take a look and maybe suggest if anything needs to be changed.


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Relax during your next trip to Vorarlberg and avoid the hassle of dealing with expensive cab rides and stuffy buses. Instead, book your Keddy By Europcar car rentals in Vorarlberg today, right here on Expedia.com and experience the comfort and convenience of traveling with your own set of rental wheels. This way, you can explore all the major sites and attractions of Vorarlberg at your leisure instead of trying to navigate public transportation routes.
Keddy By Europcar Rental Vorarlberg Deals
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Laboratoire PYC Launches High Protein Dietetic Chocolate
3 May 2013 --- Laboratoire PYC is launching the first high protein weight-control chocolate. It contains more fibres, few sugars and proposes 3 innovative and delicious flavours.
The specialist for over 15 years in dietetic products and nutritional supplements, Laboratoire PYC has recently expanded its offering with a real weight-control chocolate.
The offering comprises of 3 products : chocolate with Praline filling and hazelnut pieces, chocolate with Coffee-mocha filling and chocolate with Classic filling. Their smooth texture and intense chocolate taste are such a delight that they may be a surprise for some people! The best way to know is to come and discover it on Laboratoire PYC's stand.
The chocolates are supplied in the form of ready-to-use 35g bars. The formulae have been especially developed for an energy-reduced diet. Each bar provides 10g of proteins and 0.3g of sugars on average. The chocolates contain three times fewer carbohydrates than traditional dark chocolate. The content in fibres is twice more than the one in a classic chocolate. Indeed, the chocolate provides more than 7g of fibres!
It is known that proteins play a key role in maintaining muscle mass during a weight-loss diet and also present a huge satiating effect. The high protein and dietetic chocolate allows controlling hunger, with pleasure. Consumers will find their happiness in this innovating and generous-tasting product.
Laboratoire PYC develops and distributes products for a number of dietetic brands in Europe and North America. Laboratoire PYC is the nutritional division of SOLINA. SOLINA offers SOLutions combining Ingredients, Nutraceuticals and Aromas. SOLINA employs 560 people, generating a turnover of €173 million.
To contact our editorial team please email us at email@example.com
Subscribe now to receive the latest news directly into your inbox.


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|Islamabad, Pakistan
Rare and collectibles available , items can be got together or individually, for further information please contact by email. Price for all/full set is given but if you want single items ask with ref to item number and name. Basic details given below: 1. Antique Chinese style plate with peacock design. 2. 'Oriental Nachtmusik' collector's limited edition plate 3. Chinese style cup and saucer, old and special 4. Japanese river scene print, old and very valuable 5. Japanese ceramic doll, small 6. Japanese 'Fuji Masume' doll, big 7. Japanese vase, Noritake make 8. Set of 12 'travel spoons' of various countries, souvenirs 9. Wedgwood, English ceramic little box, limited ed.


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In Italy, piquant salsa verde often accompanies poached chicken or fish and boiled meat. The tangy green sauce is also delicious on sautéed and grilled foods. Delicious, Quick Side Dishes Quick Chicken Recipes
How to Make It
Put the parsley, capers, the whole garlic clove, the lemon juice, anchovy paste, mustard, 1/2 teaspoon of the salt, and 1/8 teaspoon of the pepper into a food processor or blender. Pulse just to chop, six to eight times. With the machine running, add the 1/2 cup oil in a thin stream to make a slightly coarse puree. Leave this salsa verde in the food processor; if necessary, pulse to re-emulsify just before serving.
In a large frying pan, heat the remaining tablespoon of oil over moderate heat. Season the chicken breasts with the remaining 1/4 teaspoon salt and 1/8 teaspoon pepper and the thyme and put them in the hot pan. Cook the chicken until brown, about 5 minutes. Turn and cook until almost done, about 3 minutes longer. Add the minced garlic and cook for 30 seconds, stirring. Cover the pan, remove from the heat, and let steam 5 minutes. Serve the breasts with their juices and then the salsa verde poured over the top.


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Queens of Combat 27 - Heir to the Throne Finals DVD-R or Blu-Ray
Queens Of Combat presents "Heir To The Throne" Tournament to crown a #1 Contender.
The winner receives a title shot versus QOC Champion, Su Yung at Wrestlecade Weekend.
Held September 8th at the QOC Arena in Charlotte, NC.
The Quarterfinal, Semifinal, & Final round of QOC: Heir To The Throne!
Plus non tournament action.
Commentary: Rob Naylor
Average Customer Review: Not yet rated
Write an online review and share your thoughts with others.


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Here's another example of a jealous boyfriend who was insecure as he thought his girlfriend was involved with a guy. So he texted the suspected guy to stop talking to his girlfriend. But he wouldn't have expected the reply to be this in any universe. Check out what happened with the poor guy!
Source: http://www.wittyfeed.com/story/8368/This-Jealous-Boyfriend-Thought-His-Girlfriend-Was-Cheating-But-He-Really-Didnt-Expect-This


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Wei, Yuhong (2001) A study of the metK gene encoding S-adenosylmethionine synthetase in Escherichia coli K-12. Masters thesis, Concordia University.
Text (application/pdf)3MB
The metK gene of Escherichia coli encodes S-adenosylmethionine synthetase, which catalyzes the reaction between L-methionine and ATP to form S-adenosylmethionine (SAM), the universal methyl group donor in the cell. SAM synthetase is generally assumed to be essential in E. coli , but this has not been proven. I demonstrated here that the metK gene could be deleted in E. coli by gene replacement only in the presence of a rescue plasmid carrying a functional copy of metK . One commonly used metK mutant " metK84 " had a markedly reduced SAM synthetase level and exhibited a complex phenotype under certain growth conditions. Through DNA sequencing analysis and primer extension analysis, I showed that this mutant carried an A[arrow right]G transition in the -10 region of the metK promoter. In this work, the initiation site for metK transcription was determined by primer extension. (Abstract shortened by UMI.)
|Concordia University > Faculty of Arts and Science > Biology
|Item Type:
|Thesis (Masters)
|Wei, Yuhong
|xiv, 108 leaves : ill. ; 29 cm.
|Concordia University
|Degree Name:
|Thesis Supervisor(s):
|Newman, E. B
|ID Code:
|Deposited By:
|Concordia University Library
|Deposited On:
|27 Aug 2009 17:19
|Last Modified:
|18 Jan 2018 17:16
|Related URLs:
Repository Staff Only: item control page


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We are on a digital rollercoaster, swirling and twirling through a variety of different online advertising platforms – have we forgotten about traditional marketing platforms such as print?
The UK is currently the global leader in advertising, generating £6 for every £1 spent on advertising to the economy. This year, UK ad spend is expected to increase to £20.8bn.
Helen Katz, Vice President and Director of Research for Starcom Mediavest Group, stated in 'The Media Handbook: A Complete Guide to Advertising Media Selection, Planning, Research, and Buying' that traditional marketing techniques such as print has a more appealing element. In fact, print ads are still seen as a safer and more credible way of advertising.
One advantage of print advertising is longevity. A post on social media can be seen for only 3 seconds. Whereas with a print ad you are placing your products and services directly in the hands of your target customer, allowing them to digest your message at any given time for long as they want! Giving back this control will go on to empower your target customer to invest in your brand. Another reason why print is still seen as one of the more 'credible' ways of advertising: print offers a unique engagement with your target customer, at the right time, without any distractions from the digital world.
This is not a print vs digital case. Digital advertising accounts for around 60% of all advertising UK investment. However, let's face, not everyone is connected all of the time – we need to consider how print and digital can actually work together.
In the Journal of Advertising Research 'The Effectiveness of Combining Online and Print Advertisements: Is the Whole Better than the Individual Parts? ' Wakolbinger, Lea M., Michaela Denk, Klaus Oberecker (2009) stated that having a multi-channel marketing approach is much more effective than using just one channel. The Institute of Practitioners in Advertising also found that using both print and digital news brands in your campaign can deliver a 3.5 times higher ROI.
Public Sector Executive connects buyers with suppliers across multiple channels placing its clients at the centre of the most current discussions, enabling them to engage directly with its audience of c.396,000 public sector industry decision-makers spending in excess of £742bn per annum.
Why Public Sector Executive?
Click here to contact a member of the team
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Councillors should ignore 'Stalinist' ban on media contact – Pickles
Long-term unemployed to work six months for free
HIV treatment decision will 'heap more pressure' on public health – LGA
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Magazines That Mean Business
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phone:0044 (0) 161 833 6320
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Much more than a powerful exfoliating and purifying ingredient, clay has been used as a skincare essential by ancient civilizations and for centuries. What's the best modern way to integrate clay into your beauty routine? Clay masks. You want to know how they can benefit your skin, no matter what skin type you have? Discover all the properties of clay masks and L'Oréal Paris own Pure-Clay range suited for every skin concern.
Between the moment you leave your house in the morning and come back at the end of the day, pollution and impurities have accumulated on the surface of your skin, clogging your pores. Adding to that, dead skin cells also build up on your skin, potentially causing breakouts. Known for its attracting power, clay draws impurities out of the skin, leaving it fresh and purifying pores.
Your pores are showing off more than you want them to? Here is a good reason why you should try a clay mask. Use it up to three times a week to minimize pores and reveal a smoother complexion that's the perfect base for your makeup look. Minimize your pores and smoothen the surface of your skin with our Pure-Clay Exfoliating & Pore Minimizing mask.
We are sure you are aware of this fact, but let's say it again: Dead skin cells, impurities, dirt, oil excess and pollution left on the surface of your skin for too long can cause infection into your pores and turn into breakouts. To prevent such a (horrible) thing from happening, use a clay mask at least twice a week. Our Pure-Clay Clarifying & Smoothing mask will absorb impurities and excess oil, while clarifying your skin.
Oily skin can be quite frustrating to deal with. Luckily, clay is a great skincare ingredient when it comes to mattifying skin. Get a flawless, shine-free look by using a clay mask up to three times a day. Don't let the excess oil take you down anymore! Try our Pure-Clay Purifying & Mattifying face mask for oily skin with eucalyptus extract that leaves your skin shine-free and smooth.
Isn't a healthy glowing skin the ultimate goal of any skincare regimen? If you are aiming for a radiant skin, add a clay mask to your skincare routine. Skin dullness is often the result of dead skin cells and impurities build up. By exfoliating skin, clay masks will help you brighten up your complexion and get your glow back. Formulated with charcoal, our Pure-Clay Energizing & Brightening mask get rids of impurities build up on the surface of your skin to reveal a luminous and fresh complexion.
You can't tell if your skin is dry or oily because it shows signs of both? Then, chances are that you have a combination skin. To restore your skin balance and get rid of the oil excess on your T-zone – forehead and nose – use the mattifying power of clay masks. Also, compared to other face masks, those made with clay won't dry your skin and, therefore, won't cause irritation on the dry parts of your face such as your cheeks and chin. Get an even skin tone with our Pure-Clay Comforting & Unifying mask with seaweed extract. Ideal for skin with dry spots, it exfoliates gently and cleanses the skin deeply.
The benefits of clay on skin have convinced you to integrate it to your beauty ritual? Our different clay masks formulated with three mineral clays and one super ingredient address specific skin concerns. To discover which one of them is perfect for your skin, read about their properties:
L'Oréal Paris Pure-Clay Clarifying & Smoothing Face Mask: The ideal addition to your skincare routine if you are looking for a luminous and even skin tone is our clay mask with Yuzu lemon. It exfoliates the skin to smooth imperfections.
L'Oréal Paris Pure-Clay Energizing & Brightening Face Mask: Our clay mask featuring charcoal is the perfect glow booster to revive dull, tired looking skin. It also evens out skin tone, giving you the perfect base for your makeup look.
L'Oréal Paris Pure-Clay Purifying & Mattifying Face Mask: It's time for you – not your skin - to shine bright. Our clay mask with eucalyptus extract is your best ally to fight oily skin. Use after use, your skin will feel like it is breathing a little better.
L'Oréal Paris Pure-Clay Comforting & Unifying Face Mask: Clay benefits any skin type, even the most sensitive! Our Pure-Clay mask with seaweed extract perfects skin surface and gently cleanses stressed areas. This is the mask you want if you are looking for the best face mask for dry skin!
L'Oréal Paris Pure-Clay Exfoliating & Pore Refining Face Mask: Is having large pores your major skin concern? If yes, try using our Pure-Clay mask with red algae that minimizes pores and smoothens your complexion immediately.
All over face: All our clay masks can be applied using the same process. On dry skin, apply an even layer of the Pure-Clay mask of your choice and leave it for 10-15 minutes. Rinse it off with lukewarm water and dry your face with a clean towel. Follow with a moisturizing to enhance your skin glow. Repeat up to three times a week.
Multi-masking: Generally, we have more than one skin concerns. To address each of the them at the same time, try multi-masking - the beauty trend of the moment. Mix and match our clay masks by applying them on different areas of your face for a spa-worthy customized treatment.
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text: Do you ever loathe that emotion of becoming bored in school or get the job done? We're listed here to help you! We host many hundreds of Unblocked games for the satisfaction, online games that could be performed any where and anytime without any difficulties. As everyone knows, it can be a lot easier to become effective in a job if you find yours… Read More


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Buy now the best bullfigting tickets for the Las Ventas bullring in Madrid.
Buy and sell your tickets for the bullfights in Madrid. Las Ventas and Feria de San Isidro is the best way to enjoy the bullfighting world.
Do not miss your tickets for Feria de San Isidro at Las Ventas bullring.