text:
daily miles
Very hilly
/ Person / Private
/ Person / In Group
Sand Mountain is more of a plateau, which means after you do the hard work of getting up there, you'll be able to enjoy miles of relatively smooth sailing. Of course, getting to the top is half the fun, with a beautiful climb through the trees preceded by a ride along Nickajack Lake. And did we mention the screaming descent back down off the mountain?! This ride has it all!
DISTANCE & DIFFICULTY: 41 miles, Challenging Climbing (3000 feet)
RIDE START & FINISH: We'll meet you in downtown Chattanooga and drive you in the Velo View van approximately 20 minutes to the ride start southwest of Chattanooga.
DURATION: Approximately 5 hours including drive time to & from the ride start.
Min Group Size
Minimum riders in your group
Person Private
Person In Group
30 3 or more up to 8 riders
0 Cost of Rental dependent on type of bike requested
DISTANCE & DIFFICULTY: 41 miles, Challenging Climbing (3000 feet) RIDE START & FINISH: We'll meet you in downtown Chattanooga and drive you in the Velo View van approximately ... more20 minutes to the ride start southwest of Chattanooga.
Cancellations made 7 days before will be fully refunded.
Cancellations made at a later date will not be refunded.
Velo View Bike Tours
All-inclusive bike vacations, three-day weekends, and one-day field trips. Based in Austin and Chattanooga with rides all over the country.... more
SHANNON BURKE, founder and director of Velo View Bike Tours, attributes his love for cycling to his wife, Celeste, who not only introduced him to the sport but also took him on his first bike vacation. Already an avid traveler, Shannon found the bike vacation to be the perfect pace to see the world, providing the same intimate connection with the landscape found in hiking, while at the same time allowing so much more ground to be covered!
Soon after taking that first bike tour, Shannon was planning custom private bike vacations. As a professional municipal planner, the organization came naturally, and it wasn't long before he made the shift to the bike tour business full-time. Shannon named the business VELO VIEW as a tribute to the unique way the world is seen from the saddle of your bike. Promoting and sharing that perspective is what Velo View Bike Tours is all about.
Since the founding of Velo View in 2012, we've enjoyed thousands of miles of incredible scenery with guests from all over the country. While continuing to expand the range of our tours, the business has intentionally stayed small, focusing on a more personalized experience with small groups rather than pursuing high turnover. Our guest-to-guide ratio (no more than 4:1) is still the best in the industry, and our attention to detail is second to none.
That's why 100% of respondents in our post-tour survey have given us the highest rating possible for overall experience. And that's also why so many of them continue to join us each year for more adventures on the bike. The vast majority of our business is comprised of repeat guests!
DAN PEDROZA runs the Texas branch of Velo View Bike Tours, leading our West Texas Bike Tours, our Texas Bike Retreats, and our Day Trips out of Austin. With a highly successful background in automotive repair (along with 15 years of car racing!), Dan understands that customer service is about building relationships and attending to details on an individual basis, an approach that fits perfectly with Velo View's focus on personalized attention.
In addition to his problem-solving skills and personable demeanor, Dan is also a strong bike racer, currently competing as a Cat 2 in Mountain Biking and a Cat 3 in Cyclocross. But the bike is more than just another racing vehicle for Dan; it's the ticket to a whole new way of seeing the world. "Life on the bike truly is an experience that transforms the body and soul into a more serene and appreciable lifestyle. The air smells cleaner, food tastes better and the world around you really seems to move to a different beat that everyone should experience in their lifetime."
Chattanooga, Hamilton County, Tennessee, United States
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After enjoying a fantastic rally for the last few years, the BRIC trade is coming to a close. A look at the equity markers in 2010 said it all. With the exception of Russia, three of the four BRIC equity markets underperformed the Dow and S&P 500. Russia benefited from the strong rally in commodity prices. Fortunately, the BRICs didn't lose all of their appeal in 2010. Emerging market fixed income assets fared well. A combination of quantitative easing, a surge of new issues and strong credit conditions helped generate demand for emerging market bonds. However, the rally ran out of steam at the start of 2011. Inflationary pressures started building across much of the developed world and portfolio managers began to prepare for a reversal in monetary policy. Inflation in the U.K. is running at 4%, and analysts are pushing up their inflation targets for the Eurozone. Instead of acting in a proactive manner, the ECB and the Federal Reserve are holding off on raising rates. They are concerned about prematurely derailing their nascent economic recoveries. However, several prominent ECB and Fed officials are voicing concerns. The problem is that the longer that the monetary authorities delay in raising rates, the more that they will have to tighten once they are forced to act. This will push many emerging market bonds under water, particularly longer duration assets. Moreover, the higher quality sovereign and corporates are trading at very tight spreads, and a sharp increase in benchmark rates to a 4-5% range will trigger a large selloff. The recent outflows from emerging market bond funds affirm this point of view. Just like many other financial fads, such as Dotcoms and mortgage backed securities, the BRIC mania is coming to a close.
The problems in the Middle East also helped stimulate the selloff. The sudden collapses of Tunisia and Egypt were grim reminders that emerging market countries are inherently unstable. Weak domestic institutions become all too apparent during periods of political transitions. The Egyptian collapse was particularly remarkable, given that it was recently showcased as one of the new Frontier Markets that promised to be the next set of high flying countries. Moreover, the BRICs are looking a bit frayed. The stellar macroeconomic numbers of less than 4 years ago are no longer there. Most of the Latin American economies are carrying sizeable current account deficits. The fiscal discipline is also gone and consumer lending has stretched bank balance sheets. Furthermore, most emerging market currencies appreciated sharply during the last few years, leading to a noticeable loss of competitiveness. Last of all, many of the emerging market countries, such as India, China, Brazil and Colombia, are overheating. Their central banks are tightening monetary policy, thus pushing their economies into a downward trajectory. At the same time, macroeconomic conditions in the developed world are slowly improving. The household savings rate in the U.S., for example, tripled over the course of the last three years to more than 4%. Most of the European countries are getting their fiscal accounts under control and cleaning up their financial systems. Likewise, there seems to be a strong consensus that the European Union will not force any country to abandon the euro. All of these factors are giving investors more confidence in the developed world. Therefore, this is the reason why there is a major rebalancing of global portfolios underway.
Some pundits argue that investors should remain engaged in the emerging markets due to the continued increase in commodity prices. Years of fiscal and monetary expansion are clearly fuelling global inflationary pressures, and this is one of the major reasons why commodity prices continue to rise. However, not all of the emerging market countries are pure commodity plays. Commodities play a dominant role in some economies, such as Russia and Chile. However, they are a smaller component in other countries, such as Brazil and Colombia, which are just starting to expand their commodity sectors. Many emerging market countries still tend to have very closed economies. Therefore, the real impact of a significant change in commodity prices is muted. This is the reason why most emerging market countries continue to underperform despite the hot demand for natural resources. We are now at the inflection point of the emerging markets business cycle. Most of the countries are starting to enter a contractionary phase. Likewise, the developed world is showing the initial signs of an economic recovery. This is why emerging market investors and fund managers should reduce their exposure to risky assets and duration, before it is too late and they are clunked on the head by a falling BRIC.


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Home / Watch Stuff / Affordable Watches Worn By Celebrities
Affordable Watches Worn By Celebrities
Given their fortunes and proximity to exclusive products, it comes as no surprise that celebrities are often wearing the most luxurious watches available. So it's particularly refreshing when we spot the rich and famous wearing budget-friendly watches that almost anyone can buy. Here's a roundup of celebrities wearing affordable watches made by the likes of Casio, Seiko, Timex, and others.
Celebrities Wearing Casio Watches
From retro-looking watches to solar-powered digital gadgets, the celeb crowd, including personalities like actress Kristen Stewart, actor Ryan Reynolds, and billionaire Bill Gates, has accepted Casio as an affordable watch brand worth wearing.
Mark Ruffalo may play the Hulk on screen but in real life, he doesn't wear the Rolex Hulk (the affectionate nickname given to the green Submariner). He declared in an interview that, "my daily wear is my Casio solar-powered watch, because I'm pro-solar. And that thing will last. I can beat the living hell out of it. And it gets enough sun by just walking around on a sunny afternoon."
Fellow actor Ryan Gosling is often seen wearing an understated Rolex Air-King but he sometimes switches it out for the vintage series Casio A168WA-1—particularly when he's performing with his band, Dead Man's Bones. This silver and black digital Casio can be picked up for less than $20, brand new!
(Image: Ryan Gosling / Casio A168WA-1)
Prolific rapper and producer, Tyler, the Creator is also famous for opting to wear a super affordable Casio watch despite him being worth millions of dollars. His Casio of choice is the quartz-powered MQ24-9B analog watch, which will set you back anywhere from $15 to $20.
Celebrities Wearing Casio G-Shock Watches
While Casio of course also manufactures G-Shock, these mega tough timepieces have proven to be so successful that the G-Shock name has spun off into its own universe, boasting a diverse line of watch models. Plenty of celebrities such as Kanye West, Usher, Rihanna, Pharrell, and Justin Bieber, have been known to wear G-Shocks throughout the decades and the watches' appeal among the famous has remained strong.
To the outside world, John Mayer is a successful musician with a slew of Grammy awards to his name. But to those within the watch world, he's also a legendary watch collector and enthusiast. While his collection houses an incredible assortment of coveted luxury watches, John Mayer also appreciates affordable watches—like the G-Shock. In fact, his love for G-Shock, particularly the Mudmaster and Frogman, paved the way for the recently released limited edition Casio G-SHOCK "Ref 6900" by John Mayer (designed by the musician himself), which retails for $180.
(Image: John Mayer / Casio G-SHOCK "Ref. 6900")
As the frontman of Coldplay, Chris Martin is another incredibly successful musician (estimated to be worth around $100 million) that loves a good G-Shock watch in a bright colorway. We've spotted him wear a colorful array of G-Shock watches in red, yellow, pink, blue, and others, both on and off stage.
Celebrities Wearing Timex Watches
As an American company that makes affordable watches, Timex has been a popular choice with many U.S. politicians (including American Presidents like George W. Bush and Bill Clinton) to convey a non-elitist and approachable demeanor. Outside political circles, Timex is also the go-to watch for some celebrities.
Actor, director, and all-around Hollywood A-lister, Mark Wahlberg is known within the watch community for his impressive collection of super high-end Rolex and Patek Philippe watches. However, he's not above wearing much more affordable timepieces—especially during his grueling workouts. He alternates between a few Timex watches but one we see often on his wrist is the black Timex Ironman Rugged 30, which sells at the bargain-basement price of around $40.
(Image: Mark Wahlberg / Timex Ironman Rugged 30)
Actor Steve Carell is best known for his role of Michael Scott in the hit sitcom, The Office. On the show, Michael Scott wore a Timex Perpetual Calendar, which NBC auctioned to raise money for the United Way non-profit organization. Off-screen, Steve Carell also wears a Timex, once telling a magazine reporter, "I have a Timex that lights up. That's maybe my favorite watch." He also added, "I think I got it at Target."
Despite being one of Hollywood's most recognizable veteran actors, Jack Nicholson likes to keep his wristwatch low-key when sitting courtside at a Laker's game. The star of beloved film classics like The Shining, As Good As It Gets, and The Departed wears a Timex Easy Reader with a nice big legible white dial and a stretchy expandable bracelet.
(Image: Jack Nicholson / Timex Easy Reader)
Actor Bill Murray, who has starred in movies like Ghostbusters, Groundhog Day, and Lost in Translation, has also been seen with a Timex Easy Reader on his wrist; however, he pairs his with a black leather strap for a more classic take on the popular affordable watch.
Celebrities Wearing Seiko Watches
Seiko has long been a favorite brand among watch enthusiasts, prized for their diverse range of solid watches sold at accessible price points. Plus, Seiko watches have been a part of pop culture for decades with appearances in movies like Apocalypse Now (1979) worn by Martin Sheen, Ghostbusters (1984) worn by Dan Akroyd, Bill Murray, and Harold Ramis, and Aliens (1986) worn by Sigourney Weaver, and several blockbuster films starring Arnold Schwarzenegger.
(Image: Arnold Schwarzenegger / Seiko H558-5009 "Arnie")
Released in 1982, The Seiko H558-5009 was one of the world's first hybrid analog-digital dive watches and gained cult status when it appeared on Arnold Schwarzenegger's wrist in action flicks like Commando (1985) and Predator (1987). The association became so strong that the watch was nicknamed the Seiko Arnie, and became a highly collectible piece. In 2019, watch fans welcomed the Seiko Arnie reissue—the Seiko Prospex SNJ025, which retails for $525. Not a bad price for a celebrity watch with a history starring in big Hollywood movies!
Celebrities Wearing Hamilton Watches
We can't discuss affordable watches worn by celebrities without mentioning Hamilton. Hamilton, known for its range of high-quality yet accessible Swiss-made watches, has had a long history with Hollywood and cinema. There are plenty of Hamilton watches featured in blockbuster movies due to, among other things, the company's close ties with prop masters.
There's, of course, the now-famous "Murph" watch in the film Interstellar starring Matthew McConaughey and Jessica Chastain. Then there are the Hamilton Ventura watches that appear in the Men in Black films with Will Smith and Tommy Lee Jones. John-David Washington and Robert Pattinson wear Hamilton Khaki BeLOWZERO watches in the movie Tenet as does Matt Damon in The Martian.
(Image: Matt Damon in 'The Martian' / Hamilton Khaki Navy BeLOWZERO)
Whether or not these actors keep the Hamilton watches post-filming is unclear; yet, what is certain is that Hamilton's presence in over 500 films certainly has helped the affordable watch brand gain more recognition from moviegoers everywhere.
Celebrities Wearing MoonSwatch Watches
The biggest watch release of 2022 was not a high-end Rolex or limited edition Patek Philippe; it was the inexpensive Swatch MoonSwatch inspired by the famed Omega Speedmaster. The introduction of the MoonSwatch collection, which is home to 11 chronographs produced via an Omega x Swatch collaboration, took the world by storm.
There were immense lines at all the Swatch boutiques that were lucky enough to have them for sale on release day and social media soon became flooded with pictures of the colorful plastic Speedy lookalikes. Each of the 11 models is inspired by a celestial object: Earth, Jupiter, Mars, Mercury, Moon, Neptune, Pluto, Saturn, Sun, Uranus, and Venus. The frenzy for these affordable takes on the much more expensive Omega Speedmaster Professional was phenomenal. The biggest complaint we've heard so far about the watch (aside from the fact that they're still hard to get at Swatch stores) is the Velcro strap; however, switching it out for another strap is easy to do.
A few celebrities have been spotted wearing a $260 MoonSwatch. For instance, Ed Sheeran, who has one of the most impressive luxury watch collections, was seen wearing the "Mission to the Moon" MoonSwatch, which is the model that most resembles the Speedmaster Professional "Moonwatch."
(Image: Ed Sheeran / Bioceramic MoonSwatch "Mission to the Moon")
Furthermore, Swedish football (a.k.a. soccer) star Zlatan Ibrahimović wears the red-and-white "Mission to Mars" variant, which resembles the Omega Speedmaster Alaska Project watches from yesteryear. Finally, former football striker Alessandro Matri also wears a MoonSwatch. His choice is the beige and brown "Mission to Saturn" edition, complete with Saturn's rings at 6 o'clock.
Celebrities Wearing Apple Watches
The Apple Watch is perhaps the most popular accessible watch brand among celebs right now. Stars like Jon Hamm, Oprah, Mindy Kaling, J.J. Abrams, Gwen Stefani, Frank Ocean, Sophie Turner, and others are frequently seen with a reasonably priced Apple Watch on their wrists.
(Image: Mindy Kaling / Apple Watch)
However, while the Apple Watch starts at an affordable $199, the cost can quickly skyrocket with premium metal cases and special edition Apple Watch straps. For instance, the all-gold Apple Watch, as seen worn by Kanye West, Katy Perry, and Drake, tops out at around $17,000 while Beyoncé and the late Karl Largerfeld have worn custom Apple Watch models with solid gold straps estimated to be worth more than $30,000! Though the gold editions are well beyond the affordable realm, sticking to models in steel or aluminum won't break the bank.
Clearly, the appeal of an affordable watch is not reserved for those with limited budgets. Regardless of the millions of dollars in their bank accounts, these celebrities still choose to wear inexpensive watches—and look great doing so.
Are there any other celebrities that wear affordable watches that we've missed on this list? If so, let us know in the comments section below.
Watch Stuff
Seiko, Timex, Casio
David January 5, 2023
Bill Gates wears the Casio MDV Duro.
Alec Dauphin August 14, 2021
@James Welch
I couldn't have put it better myself. The tragedy is that there are plenty of feckless morons who will rush out to buy what these so-called 'celebrity' arseholes wear.
James Welch February 18, 2021
And who gives a rats ass about Hollywood celebritIes and their watches. I surly don't and don't send me anymore crap like this it is not appreciated nor interesting. I buy a strap to fit a watch not what some left wing a**hole wears. JW.
Grant Swain April 17, 2022
Right wing neo nazi nutter alert… 😂😂😂😂😂😂
Dan January 5, 2023
Aww, proud little boy James is upset over the left-wing boogey man…er…celebrities getting press on his strap site. I'm sure you'd be turgid over an article referencing your official Maga digital watch though, right? Go make sure your mom has your proud boy t-shirt pressed for your next rally, moron. And it's "surely" not "surly", moron. Oh and make sure Alec the stain has a seat in your mom's minivan as it seems he wants to hang with you.
Cliif Greenberg January 5, 2023
Yeah, that well-known left wing Kanye.
George Plungis January 5, 2023
Hi James I found this interesting but then I'm one of those liberals who you apparently don't like.

redpajama_set_name: RedPajamaCommonCrawl


Located in the Northwoods of Wisconsin, Camp Hackett is the WWIA's longest standing operational mission, dating back to 2007. Consisting of 410 acres of private property (owned and operated by the WWIA), Camp Hackett is a sportsmen's paradise. The property primarily consists of undeveloped wild forestland which is conveniently surrounded by other large parcels of similar private land holdings, with one exception — the entire eastern border of Camp Hackett abuts 570 acres of accessible and usable property which is owned by the State of Wisconsin. This additional large land-locked parcel essentially doubles the opportunities our Heroes can enjoy while pursuing outdoor sporting adventures.
The Purple Heart recipients who attend Camp Hackett are afforded the opportunity to experience this vast and unique wilderness, which is teeming with wild game. This magical place affords our Heroes the chance to pursue some of the most unique game and fish species from across North America. While at Camp Hackett, our Heroes hunt for trophy whitetail deer with bows and arrows; hunt for black bear; pursue wild and elusive ruffed grouse and woodcock; fish for the mighty freshwater musky; and enjoy Canadian goose hunting.
The accommodations at Camp Hackett are fairly spartan, but highly adequate and appropriate. It is, in a strict and traditional sense, a "deer camp". A well-insulated, externally heated and sturdy bunkhouse complete with a small kitchen, shower and commode serve as the centerpiece for story-telling, veteran bonding and a safe shelter for sleeping. Camp Hackett is "off-the-grid" and powered by a clean-burning generator that has been converted to propane versus being dependent of foreign oil.
The future of this great camp is also very promising. The WWIA enjoys a long-standing series of well-developed and meaningful bonds and relationships with great people and the Northwoods' communities, especially those that reside in the town of Phillips, WI which is 20 miles southeast of Camp Hackett. Eventually, the WWIA will build an Americans with Disabilities Act (ADA) compliant lodge on this great property, transforming it into a year-round healing center for our combat wounded and their families.


text:
Q: Is it possible to group different values from one single column into a one single row in the same column in SQL? There are 2 columns in a table:

id
name

1
X1

2
X2

3
Y1

4
Y2

5
X3

Is it possible to count the ids and group the names in new groups like 'Xs' (X1, X2, X3) and 'Ys' (Y1, Y2)? So it will look like this:

id
name

3
Xs

2
Ys

SELECT COUNT(id) FROM table GROUP BY what?
I'm using PostgreSQL.

A: Just group by the first character:
select count(*), left(name, 1)
from the_table
group by left(name, 1);

If the id is not unique you might want:
select count(distinct id), left(name, 1)
from the_table
group by left(name, 1);

Edit after the scope was changed:
If you need some kind of mapping between values, use a CASE expression:
select count(*),
       case
         when name in ('Bananas', 'Apples', 'Oranges') then 'Fruit'
         when name in ('Germany', 'France', 'Austria') then 'Country'
         else 'Something else'
       end
from the_table
group by 2;

A: Try this. It gets the string before the first numeric character and groups by that.
-- This is auxiliary data for testing purposes
    with aux (id, name) as(
    select 1,   'Apple1' union all
    select 2,   'X2' union all
    select 3,   'Y1' union all
    select 4,   'Apple2'union all
    select 5,   'X3')
-- This is the actual query
    SELECT
        COUNT(*) as id,
        regexp_matches(name, '^[a-zA-Z ]+') as name
    FROM
        aux
    GROUP BY
        2;

Output:
id  name
--------
2   {X}
1   {Y}
2   {Apple}

DB Fiddle: https://dbfiddle.uk/?rdbms=postgres_9.5&fiddle=294c87a421a7a83cd5a62d982325dcb7

redpajama_set_name: RedPajamaStackExchange


It makes me so sad when I hear people say that they only drink Champagne or sparkling wine on special occasions…every day is a special occasion, especially when you can find a great bottle of bubbly for around the same price as your favorite every day wine. Yes, some will cost you a bit more…and some should be saved for that special occasion day or night, but that special bottle can also make your every day a special day. So don't be afraid to open a special bottle and toast to the beauty of the day. I shared a few favorites with the ladies this morning on The Broadcast. Click below to see our segment. Tasting notes below.
One tip to look for when you are buying any bottle of sparkling wine, always make sure it is made in the traditional method, or methode champanoise, meaning that the second fermentation in which the bubbles are created occurs in the bottle. Even very inexpensive Cava, like another favorite Segura Viudas, is made using this traditional method. The overall style and flavor profile is more refined using this method, making a clean, crisp, interesting wine.
Vecchia Modena Lambrusco – $15 at Pogo's. Lambrusco can be a little bit all over the board, ranging from very sweet with low alcohol to rich and fruity, but more on this dry side, which this one is, balancing ripe red fruits with a hint of spice and earthiness, making it an interesting interpretation of this classic Italian sparkler that is perfect for enjoying as an aperitif on a hot summer day or is great with fruit based desserts and chocolate.
Anna de Codorniu Brut Rose – $20 at Albertson's stores, Cava from Spain made with the traditional Champagne varieties of Pinot Noir blended with Chardonnay in the method champanoise with the second fermentation taking place in the bottle. Very dry with layers of raspberry, tangerine and bitter cherry. Lively and refreshing, great any time of day…any time of year.
Cremant de Loire – $20, various houses available throughout Dallas, this one from Ackerman near the town of Saumur in Loire made from the Chenin Blanc grape in a very dry, brut style for a light and balanced sparkler filled with hints of white flowers, peaches and fresh citrus.
Bellavista Gran Cuvee Franciacorta – $39 at Jimmy's – I have talked a few times about this special Italian region dedicated to growing premium sparkling wine grapes for their traditional method sparklers. Bellavista is one of the premier houses in Franciacorta, known for their light, balanced and elegant Franciacorta wines with a delicate, refined palate filled with stone fruit, jasmine and honeysuckle, with the slightest hint of vanilla on the finish.
Moet & Chandon 2006 Vintage Brut – $75, just released and hitting local shelves this classic Champagne is the best of the best – elegant, crisp and light, yet rich and slightly yeasty for a balanced blend of Chardonnay, Pinot Noir and Pinot Munier. Vintage Champagnes are only made in very special years, with this one filled with layers of sweet peaches and cream, marzipan, mango and a hint of spicy white pepper, clove and nutmeg. Delicious, delicate and special.
Nicolas Feuillatte Brut Rose Champagne NV– $50 at Spec's, blend of 30% pinot meunier 60% pinot noir &10% chardonnay creating a fresh black cherry, strawberry and spice filled Rose accented with toasted brioche and nutty characteristics that maintains an overall fresh and light style. Approachable and delicious any time.


Lorrie Moore is the author of three novels and four collections of stories as well as the editor of several anthologies. Moore has received honors for her work, among them the Irish Times International Prize for Literature, a Lannan Foundation fellowship, as well as the PEN/Malamud Award and the Rea Award for her achievement in the short story. Her most recent novel, A Gate at the Stairs, was shortlisted for the 2010 Orange Prize and for the PEN/Faulkner. Her most recent collection, BARK, was shortlisted for The Story Prize, The Frank O'Connor Prize, and The Gregor Von Rezzori Prize. She was elected to the American Academy of Arts and Sciences in 2001 and to the American Academy of Arts and Letters in 2005.


Sharon Piper joined the Silvernotes when she got out of high school.
Now 80, Piper is still singing with group. Her late mother, Lucile Beechler, was in the group when Piper was a child.
Piper, president of the Silvernotes and a lifelong Cicero resident, said the all-female group is first soprano, second soprano and alto. The Hamilton County Extension Homemaker Chorus debuted in 1936.
The Westfield Washington Historical Society will feature the Silvernotes' concert at 6:30 p.m. April 16 at Christ United Methodist Church, 318 N. Union St. Westfield.
Piper said they will perform patriotic songs, including Civil War songs.
The Silvernotes are a Hamilton County Extension Homemakers Chorus, and has 30 members, mostly from Hamilton County. The Hamilton County Extension Homeworkers, a service organization through Purdue University, does community work. Betty Jo Christy, Noblesville, has been in the group approximately as long as long as Piper.
Piper said the choral group performs 15 to 20 times each year.
"We're part of a state organization, and it has 450 members, and we give concerts off and on during the year with them," Piper said.
Diana Stanton is the director and Emily Brock is the accompanist for the concert. Light refreshments will be served. A freewill offering will be appreciated.


Our friendly, helpful staff will do their very best to make your stay pleasant and enjoyable. Golden Bay Motel features spacious comfortably furnished rooms and plenty of on-site parking. After a day of fun in the sun, Golden Bay Motel is a wonderful place to lay your head. We are an affordable option, offer seasonal rates and welcome corporate enquiries.
Cancellations can be made free of charge up to 48 hours prior to the date of stay. Failure to cancel outside 48 hours before your arrival date will incur a fee, which will be equivalent to one day's accommodation.


We believe that our people are our most important asset and the key to our success. As a company, we value and promote passion, excellence, and innovation. Our team experts cover a range of core functions, from Legal to Business Intelligence.
Clients are at the heart of our business. Everything we do is designed to empower them so that they can achieve their goals and stay a step ahead.
We seek to provide a professional, safe, and enjoyable work environment that supports job enthusiasm, positive relationships, and effective teamwork.
Employee success is our business. We hire passionate people who believe in creating engaged and productive workplaces – starting with their own.
Better Shields are looking for highly motivated individuals who have experience in sales and who have great people skills.
Fluent English speakers are a must.
we offer a full range of asset recovery services through specialized intelligence gathering and legal strategy. We particularly specialize in recovery from unregulated Binary options, Forex and CFD fraud.
We offer a full range of asset recovery services through specialized intelligence gathering and legal strategy.
We are looking for law students or recently qualified lawyers to join our office in Tel Aviv. This is a great opportunity to learn and develop.
English speaking and writing skills are a must.


Planning to buy a pre-owned car needs a little homework and preparation to make your visit at the dealership smooth. Start an online research because it can equip you with plenty of useful information about models, dealerships, negotiation, financing, and insurance.
You can ask the following questions to the dealer, so as to ensure that you walk away with a dream vehicle, which will not turn into a nightmare in due course.
How long can the vehicle be taken for test drive?
Do the dealer have demo cars [ones used for new model test drives] for sale?
From where did this pre-owned car come from?
Will dealer supply third party car history report for this used vehicle?
Has dealer performed service on this used car?
Will the dealer approve inspection of this certified used car?
Is in-house financing provided at your dealership?
If car is bought with cash will the dealer offer discount?
Will your own car be taken as trade-in?
Will any accessories or add-on be included on used vehicle?
You can phone your bank before visiting the dealership to find how much can be borrowed to buy a car, interest rate, and terms for borrowing the loan. Several dealership offer financing but smart buyers need to consider all the options available.
If you plan to buy used Mercedes Benz then get in touch with your insurance provider to get familiar with the amount you will need to pay on its coverage. It is a wise step because when you find out that you cannot afford this new vehicle's premium after signing papers can be disappointing.
It is helpful to compare car prices and avoid overpaying.
You can check details and price of Benz against similar listings.
Read reviews of Benz car users regarding the model and even dealership.
Helps to find if the car will fit in your oddly shaped garage.
You can even figure out if your bike fits in the trunk or not.
If extra tall aunt Mollie can fit in back seat.
Cars not stored on lifts means you cannot see its underside. Selfie stick can be sued to get better look on the cars bottom side. Condition of vehicles bottom side demonstrates how well it is cared for. Beware of cars that seem very clean. Look at the wheel and tire because used car sellers may have flipped the damaged tire to conceal the smash.


A fully illustrated reference book featuring period photos and photo of contemporary restorations.
A Visual History of the U.S. Army's Mid 20th Century Battle Tank The M48 series of Medium Tanks formed the backbone of America's armored force from the close of the Korean War, throughout the Cold War and onto the sands of Iran. The classic silhouette of the M48 is instantly recognizable to Veterans over a period of four decades, beginning with its development in 1950. This book is the ultimate general guide to the M48 series tanks. Combining historical imagery with superb walk-around images, the title explores all the fielded variants of the M48 series—starting with the T48 and continuing with the M48, M48A1, M48A2, M48A3, M67A1 and M48A5. No detail is left uncovered within the hundreds of clear, color photos. This title is a "must have" for anyone with an interest in modern armor, or the modeler building any of the three plastic kits currently available.


Could this also express "You are getting tall," something I have often said to a growing child?
Yes, it's often said like that, but in Indonesian the meaning is more than that.
It's an adverb meaning "more (and more)".
"makin" = "semakin" = "more", "more and more", "increasingly".
Kamu semakin tinggi = You're getting taller (and taller).
Kamu semakin gemuk = You're getting fatter (and fatter).
Kamu semakin cantik = You're getting more and more beautiful.
Kamu semakin dekat = You're getting closer (and closer).
Kamu semakin jauh = You're getting further (and further) away.
"increasingly" (tall, fat, beautiful, close, far) could also be used in the above examples.
Thanks. I was wondering how semakin differed from menjadi. Now I know they are not the same at all.
"menjadi" (verb) = to be , to become.
Kamu akan menjadi tinggi sekali.
You will be (become) very tall.
What I'm confused about is why this unit is called superlatives. "Getting taller" is not a superlative. It's not even a comparitive yet.


"In the digital age, however, the grungy 'seeking musicians' flier – a longtime staple of any college town – could, and perhaps rightly should, be on the way out.
That's where Ben Seigel and his start-up website, MusiciansConnect.com, come in. In short, Seigel's site aims to connect musicians with other musicians and with music instructors, and helps musicians find instruments and other gear. In other words, it seeks to impose order on an often chaotic world – that of the artist who seeks to profit from his art."


Optoro provides a way to liquidate returned, overstock, and damaged-box products.
Optoro helps liquidate returned, overstock, and damaged-box products, improving recovery rates and turn times for inventory. Optoro's software platform helps retailers optimize the management of returned and excess inventory efficiently and cost-effectively, maximizing recovery value and reducing environmental waste.
EquityZen does not have an affiliation with, formal relationship with, or endorsement from Optoro or any companies featured above.


Add that finishing touch to any lamp with one of these lovely jute lampshades. The natural texture and black ink colour creates a highly atmospheric, ambient light. Ideal to go with many of our floor and table lamp bases or can be used for ceiling lamps and are available in four different sizes.


A University of New Mexico professor is looking at why engineering and scientific minds are choosing to take their careers overseas.
Roli Varma, a professor at the UNM School of Public Administration, in collaboration with the University of Texas Dallas, was recently awarded a $217,000 grant from the National Science Foundation (NSF) to study why industrial engineers and scientists from India return to their home country.
The research is a continuation of earlier NSF funding Varma received to study return migration of academic scientists and engineers. She says the work will also help bridge the work economy between developed nations.
"It will show that international connections are being institutionalized in a way that allows engineers and scientists in India and the U.S. to participate in a global economy," she said.
The project will serve to complement existing models of return migration, which overwhelmingly focus on the economic impacts. To do so, researchers will look at the social, professional and political elements that migration decisions are based on. Varma says the impacts of the study could be wide-spread, and potentially lead to more research on human capital, science and technology development. It could also unveil more information on transnational migration and immigration patterns.
"I am very happy and feel extremely fortunate to get another grant on a topic that is of interest to any developed nation," she said.
Varma, who's been at UNM since 2006, received her B.A. and M.A. in Political Science, before attaining her M.S. in Science, Technology and Values and Ph.D. in Science and Technology Studies, both from Rensselaer Polytechnic Institute in Troy, N.Y. Her research has garnered more than $1.1 million over the course of her career, not including this most recent award.


In his keynote, Mr Carvallo will help understands why it is important to the share economy and our digital evolution. Mr. Carvallo will explain why CMG developed its Blockchain Energy Framework to answer the questions about use cases, technologies, vendors, business models, business cases, costs, risks, benefits and best practices. And he will also share the history of Blockchain, how it matters to the energy industry, some of the key energy uses cases being developed, some key deployments already delivering benefits, a list of top vendors, and the rationale behinds its benefits and impact going forward in the Energy domain.
Cities wanting to create and deliver new digital and sustainable services require new analytical thinking and processes to deploy the right solutions for its citizens and visitors. Mr. Carvallo will cover the key use cases for delivering a smart city focusing on energy, water, buildings, transportation, public safety, and other government services. As technology changes the very way we live, work, play and communicate, it can also lead to efficiencies in safety, sustainability, monitoring, and performance of people, organizations, and infrastructure. He will share what smart services will mean to cities and municipalities as they take advantage of technological offerings such as the internet of things, big data, smart devices and connected grids to eliminate waste, and increase communications and management. He will make it easy to understand what is available now, what is coming, and how it all works together!
Mr. Carvallo will share the insights of his latest work at CMG helping building owners and construction executives, power and energy executives and regulators faced with rationalizing the rapid and numerous changes currently pushing for a fusion of the construction and utility industries to build new digital solutions Mr.Carvallo will share how disruptive change in other industries caused the "rules of the road" to be changed, and how the lessons learned from those experiences can be applied to both industries. He will also present how new business models and cutting edge technologies such as distributed solar and CHP, demand response, microgrids, energy storage, electric vehicles, cyber-security, advanced wholesale markets, and new competitive retail markets are all impacting the industries and opening new doors for financing, banking, and insurance solutions. And he will also share how central generation, grid operations, and wholesale and retail energy sales are being transformed by innovation and competition, forcing utilities faster than ever to make critical choices about business models and technologies. And finally, Mr. Carvallo will share his deep professional experience and global view of these trends and opportunities to suggest how the market can accelerate its digitalization and transformation toward a truly robust and sustainable energy future.
In his keynote titled "The Smarter Enterprise", Mr. Carvallo will reveal how this new 21st century megatrend will deliver a new digital world with virtually unlimited possibilities. "The Smarter Enterprise" is a non-stop, on-demand, re-design journey of the business models, business processes, technologies, organizational structures, and applied human capital to seamlessly blend existing and new stand-alone trends such as, Mass Customization, Open Sourcing, Crowdsourcing, eCommerce, Virtualization, Cloud Computing, Mobility, mCommerce, Social Media, Vehicle Electrification, Distributed Generation, Energy Storage, Drones, and Internet of Things into a more reliable, more profitable, and more customer driven utility reality. Mr. Carvallo will share how The Smarter Enterprise delivers successes by committing to pervasive performance management, which helps streamline management processes by creating a smart, agile and aligned utility by enabling the close monitoring of performance, flexible integrated planning, and improving trust and loyalty among customers and stakeholders.
Mr. Carvallo will share his insights, vision, and experience with focus on The Inevitable Evolution of Smart Grids. The Rationale for an Advanced Smart Grid. Vision, Planning, and Initiative. Smart Grid 1.0: From Power Plant to Meters. The Global Perspective on Smart Grid. Interfacing with Distributed Energy Resources (DER). Smart Grid 2.0 Emerges: An Integrated, Advanced Smart Grid. The Potential of Advanced Smart Grids. And he will close with details on how we are Fast Forwarding to Smart Grid 3.0. Mr. Carvallo shares the design and construction of the first citywide smart grid in the US as a case study, sharing the many successes and lessons learned. From his sharing you will gain key knowledge of successful tools and best practices that are needed to overcome diverse technological and organizational challenges as you strive to build a next-generation advanced smart grid (smart grid 2.0). And lastly, Mr. Carvallo will share details of the future with interconnected advanced smart grids and a redesigned energy ecosystem (smart grid 3.0).
Mr. Carvallo will share the insights of his latest work at CMG helping power and energy executives and regulators faced with rationalizing the rapid and numerous changes currently pressuring the traditional structure of the utility industry. Mr.Carvallo will share how disruptive change in other industries caused the ³rules of the road² to be changed, and how the lessons learned from those experiences can be applied to the utility industry. He will also present how new business models and cutting edge technologies such as distributed solar and CHP, demand response, microgrids, energy storage, electric vehicles, cyber-security, advanced wholesale markets, and new competitive retail markets are all impacting the traditional regulated utility industry. And he will also share how central generation, grid operations, and wholesale and retail energy sales are being transformed by innovation and competition, forcing utilities faster than ever to make critical choices about business models and technologies. And finally, Mr. Carvallo will share his deep professional experience and global view of these trends and opportunities to suggest how the market can accelerate its digitalization and transformation toward a truly robust and sustainable energy future.
In his keynote titled "The Smarter Utility", Mr. Carvallo will reveal how this new 21st century megatrend will deliver a new Energy world with virtually unlimited possibilities. "The Smarter Utility" is a non-stop, on-demand, re-design journey of the business models, business processes, technologies, organizational structures, and applied human capital to seamlessly blend existing and new stand-alone trends such as, Mass Customization, Open Sourcing, Crowdsourcing, eCommerce, Virtualization, Cloud Computing, Mobility, mCommerce, Social Media, Vehicle Electrification, Distributed Generation, Energy Storage, Drones, and Internet of Things into a more reliable, more profitable, and more customer driven utility reality. Mr. Carvallo will share how The Smarter Utility delivers successes by committing to pervasive performance management, which helps streamline management processes by creating a smart, agile and aligned utility by enabling the close monitoring of performance, flexible integrated planning, and improving trust and loyalty among customers and stakeholders.


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15 Reasons Why You Must Visit Switzerland
Chocolates, lakes, castles, scenic train rides and stunning views are just some of the reasons why you must visit Switzerland.
Krystal ChiaAug 21st, 2015
Switzerland may seem relatively small as compared to other European nations but that certainly does not mean that it has less to offer. Rather, it has set itself apart from the rest of Europe – its unparalleled landscapes, peaceful environments and cosmopolitan cities – and has succeeded in becoming a tourist mecca that is at the same time not over-commercialised. And all this without forgoing the comforts of my home country Singapore; it is safe, clean, you can get around easily by public transport and there are no language barriers.
As for the question on everyone's minds, yes it is mighty expensive but hey, you get what you pay for! And here, I'm spelling out 15 reasons to convince you to visit this beautiful European country.
1. Hear four different national languages
Image credit: Marco Zanoli
"What language do the Swiss speak?" is a question I often get from my Singapore friends. The answer: The Swiss speak different languages – either German, French, Italian or Romansh, depending on where they live. At the same time, most of the people in the country's major cities are fluent in English. Thus, not only is travelling made easier with no language barrier, you also get to hear its locals speak several languages and experience different cultures when you travel around the country. Now, how often do you get to do that?
2. Taste Swiss cuisine
Image credit: Хрюша
Each of these regions boasts its own specialities too – Saffron Risotto for the Italian-speaking, Raclette (hot cheese dribbled over potatoes) for the French-speaking region and Landjager (semi-dried sausages) for the German-speaking part. But a few dishes, such as rosti and cheese fondue are eaten across the country and are almost always included in restaurants catered to foreign visitors. Having eaten cheese fondue in Switzerland, I must say that the taste is not what one would usually expect of a cheese fondue and it is an "either-you-like-it-or-you-don't" dish. Nevertheless, it is a must-try and one should taste it for themselves to know if it suits their taste buds!
3. Sample Swiss chocolates
Image credit: Michalis Fontinakis
Quality chocolates that instantly melt in the mouth are my kind of favourite chocolates, and they make perfect souvenirs as well. Choose from a wide variety of brands, each with a long-standing history of producing chocolates, such as Callier, Suchard and Chocolat Villars. Dedicated chocolate lovers can also make a trip to any of the 21 chocolate factories scattered around the country such as the 150-year-old Maestrani Chocolate Factory at St Gallen.
4. Feel safe at "home"
Contrary to a large part of Europe notorious for its hoard of snatch thieves, pickpockets and gypsies, Switzerland ranks 7th globally in terms of safety and security according to the Safe Cities Index 2015. In fact, Singapore has often been likened to Switzerland, especially in terms of safety and cleanliness. You can walk along its spotless streets even at night without having to worry about getting mugged.
5. Marvel at the Matterhorn
Image credit: Atibordee Kongprepan
Looks familiar to you? It is because this iconic landmark is featured in the brand logos of Toblerone and Paramount pictures! Located at the border between Switzerland and Italy and overlooking the town of Zermatt, this popular tourist sight is famous for its almost-perfect four-sided pyramidal peak. This year, a series of events and festivities will also be held at Zermatt to mark 150 years since the first ascent of the mountain.
6. Hop onto a scenic train ride
Image credit: Kleberly
Be entertained by Switzerland's gorgeous sceneries during your long journeys by train. Travelling by rail is faster than travelling by coach, cheaper than flights and easy to use. Plus you get to sit back, relax and enjoy the view. In fact, it has been reported that tour packages which include specific scenic rail routes such as the Glacier Express and Bernina Express are gaining traction here in Singapore for its practicality.
7. Snap postcard-worthy pictures
Image credit: Albert Hasler
"Every picture I took in Switzerland looked like it's from a postcard," said every person I know who has visited the country, myself included. Be wowed by nature's astonishing beauty, where lush green pastures, skies in stunning hues of blue and the magnificent alps come together to form a picture that truly represents the Instagram catchphrase #nofilterneeded.
Also read: 12 Views in Switzerland Too Stunning to be Real
8. Have an alternative farmstay experience
Image credit: chensiyuan
Experience something truly different and memorable by heading to the countryside. Agritourism has become, in recent years, increasingly popular and which better country to experience this at than Switzerland? You can even choose between sleeping in a hut, a campground or on straw.
9. Get active with a variety of sporting activities
Image credit: Chico Boomba
From sports on land, to those in the water and even some up in the air, Switzerland has it all. For those seeking a thrilling, new sport, try canyoning, a water sport that is steadily gaining fans in Europe and around the world. It involves travelling from the start to the end of a canyon using a host of methods such as walking, climbing, jumping, abseiling and swimming. The best places to experience canyoning in Switzerland's crystalline waters include Interlaken and the canton of Ticino. Just remember to have a hearty breakfast, equip yourself with shoes that have a good grip (I am not joking) and if you have one, bring along a GoPro to capture those beautiful moments.
10. Soak in thermal waters of the best quality
Image credit: Jessica Garner
After all that walking and hiking, soothe your tense muscles and aching joints by visiting one of Switzerland's many thermal baths. With a 2000-year history of tapping their thermal springs, you can be sure that you are in good hands of the Swiss, the experts in water-based wellness. Opt to have a restorative retreat in a luxurious indoor spa or better still, bathe outdoors among the Alps and indulge in a therapeutic experience for both mind and body.
11. Reward yourself with a luxury watch
Image credit: Kitchener Lord
Be prepared to be spoilt for choice when shopping for a luxury watch. Endless boutiques stocking watches from luxury brands such as Patek Philippe, Cartier and Rolex line the streets of Lucerne much to the delight of watch collectors and fanatics. The best part? These timeless timepieces are quality assured; they are after all "Swiss-made".
12. Lakes and castles out of fairytales
Image credit: Ingmar Zahorsky
Arguably the most well-known castle of Switzerland, the Chillon Castle is a must-see for travellers, and it is not difficult to see why when you take in the glorious view of the 11th century castle against the backdrop of mountains. Not forgetting Switzerland's limpid waters, take a trip to Valle Verzasca, a valley near the town of Locarno in the Italian-speaking part of Switzerland and be blown away by its emerald-green waters. While you are there, take the chance to go for a dip or sunbathe on one of the many huge rocks scattered along the streams.
Also read: 15 Stunning Castles in Europe You Wish You Could Live In
13. Efficient public transport
Image credit: Flominator
With so many places to see and so many things to do, it is essential that you plan ahead and keep track of time. Luckily, Switzerland's superb public transport system helps you with this; its buses, trams and trains are extremely punctual (something you don't get very often in most parts of Europe) and its train stations are well-designed. Just take note that when the Swiss say that Sunday is a rest day, they really mean rest – some, if not most bus services will not be available!
14. Largest waterfall in Europe
Image credit: Kara Melissa Sharp
Be stunned by the Rhine Falls near the town of Schaffhausen in Northern Switzerland. The largest plain waterfall in Europe, it is easily accessible by car, bicycle and train. Take an exciting boat ride through the falls and also keep a lookout for special events such as the spectacular annual fireworks display held on 31 July.
15. Best excuse to visit the rest of Europe
Image credit: Dominik Gubi
Located in the heart of Europe, the landlocked country is bordered by four countries which are popular travel destinations as well: Germany, Italy, France and Austria. Consider taking a day trip to or include in your itinerary nearby cities such as Munich (4h train ride from Zurich), Milan (1h 40min train ride from Lugano), Lyon (2h drive from Lausanne) and Innsbruck (4h train ride from Lucerne).
Also read: Swiss Bucket List: Switzerland Destinations with Best Views
That's it – time to head off for an adventure in Switzerland!
Krystal Chia
'Eventful' is the word that best describes almost all of Krystal's many travels. While holidaying in China, she was struck with a bout of acute appendicitis and visited six hospitals in six different cities. Then she got her belongings stolen from the tour coach while in Europe. Most recently, during her Germany and Netherlands trip, her travelling companion abruptly decided to leave. But it was a blessing in disguise – she has learnt the joys and perks of travelling alone and is now looking forward to her next solo getaway.
CLICK TO SEE MORE ARTICLES BY Krystal Chia
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The London Parks Benchmarking Group was established in 1999 by the London Borough of Newham in response to the requirements of Best Value.
The Group is chaired by Chris Welsh of the London Borough of Ealing, who can be contacted at the following email address: chair@lpbg.org.uk
The membership of the Group includes local authorities, private sector service providers, and educational establishments.
Participating organisations commit themselves to hosting the meetings, and bearing the associated costs, on a rotating basis. There is currently an annual membership fee of £100.
Members are expected to sign up to the European Benchmarking Code of Conduct
One of the principles of the Code of Conduct is Confidentiality. For this reason, access to many areas of this website is restricted to the Group's members.
The membership of the London Parks Benchmarking Group includes the organisations listed below:
Enable Leisure & Culture (for LB Wandsworth)
Glendale Managed Services
idverde (for LB Bromley)
John O'Connor (Grounds Maintenance) Ltd
Independent Park Trusts
Alexandra Park and Palace Charitable Trust
Jubilee Gardens Trust
Wimbledon & Putney Commons Conservators
London Borough of Barking and Dagenham
London Borough of Barnet
London Borough of Bexley
London Borough of Brent
London Borough of Camden
London Borough of Ealing
London Borough of Enfield
London Borough of Hammersmith and Fulham
London Borough of Haringey
London Borough of Harrow
London Borough of Hillingdon
London Borough of Hounslow
London Borough of Islington
London Borough of Lambeth
London Borough of Merton
London Borough of Redbridge
London Borough of Richmond
London Borough of Southwark
London Borough of Sutton
London Borough of Tower Hamlets
London Borough of Waltham Forest
Royal Borough of Greenwich
Royal Borough of Kensington and Chelsea
Royal Borough of Kingston upon Thames
Other Organisations
Capel Manor College
City of London Corporation
Habitats and Heritage
Hertsmere Borough Council
Lee Valley Regional Park Authority
Luton Borough Council
Parks for London
Slough Borough Council
The Royal Parks
Watford Council


Well, I found this Hi8 video clip when cleaning out a drawer… A very special type of approach, not performed anymore. The KAI TAK aerodrome has been closed for many years now, but the pilots memories from this approach tends to live forever. – With respect to the Captain´s privacy, I´ve decided to blur his face, since Youtube and Social Media weren´t invented in 1996. Who could imagine, that this would be on line over 20 years later?
I really hope you will enjoy this rare 5 min clip!
You´ll find more clips on my Youtube-channel – See ya!


I bought this product last year December and thought it's only fair to review after I used it for at least a couple of times. The Chiaruscuro (contour and highlighter stick) is one of the best seller items by em cosmetics by Michelle Phan. Trust me, it's really hard to get this product as it always out of stock!
There are four different shades available for this product - fair tone, light tone, medium tone and deep tone. I was kinda afraid that it would be too dark for my skin tone, I chose fair tone for myself.
It has this interesting packaging where you can get the best of - contour and highlighter - both world in one stick. The highlighter contains slight shimmer within it and the contour is in matte. I thought this is quite brilliant and also means you do not need to pack extra product in your makeup bag. Due to it is in a stick-alike packaging, it also save up your makeup bag space too! It's really easy to use this product, all you need to do is twist to roll it up and down.
Quick Tips: Always apply this product after you applied liquid/cream foundation on your face, then only set it with powder.


Seattle, WA -- (SBWIRE) -- 07/11/2017 -- The report "Patient Engagement Solutions Market by Component (Hardware, Software & Services), Delivery mode (On-Premise, Web & Cloud), End User (Provider & Payer), Applications (Home Health, Financial Health), Therapeutic Area - Global Forecast to 2020", analyzes and studies the major market drivers, restraints/challenges, and opportunities.
Browse 95 tables and 34 figures spread through 231 Pages and in-depth TOC on "Patient Engagement Solutions Market by Component (Hardware, Software & Services), Delivery mode (On-Premise, Web & Cloud), End User (Provider & Payer), Applications (Home Health, Financial Health), Therapeutic Area - Global Forecast to 2020"
This report studies the global patient engagement solutions market over the forecast period of 2015 to 2020. This market is expected to reach USD 16.39 Billion by 2020 from USD 6.68 Billion in 2015, at a CAGR of 19.7%.
In this report, the global patient engagement solutions market is segmented on the basis of component, delivery mode, end user, application, therapeutic area, and region.
On the basis of component, the patient engagement solutions market is categorized into hardware, software, and services. The software solutions segment is estimated to account for the largest share of the global patient engagement solutions market in 2015. However, the services segment is expected to witness the highest growth rate during the forecast period.
On the basis of delivery mode, the patient engagement solutions market is segmented into web-based, cloud-based, and on-premise solutions. The cloud-based solutions segment is expected to command the largest share of the global patient engagement solutions market in 2015. However, the market for cloud-based solutions is expected to witness the highest growth rate, owing to the higher flexibility, scalability, and affordability offered by these solutions.
The patient engagement solutions market has been further segmented on the basis of end users into providers, payers, individual users, and other end users (including employer groups, government bodies, and pharmaceutical companies). The healthcare providers segment is expected to account for the largest share of the patient engagement solutions market in 2015 and is poised to witness the highest growth rate during the forecast period. This can be attributed to the implementation of government mandates such as the Affordable Care Act (ACA) and Health Information Technology for Economic and Clinical Health (HITECH) and meeting the requirements of Meaningful Use (MU) in the U.S.
On the basis of applications, the market is segmented into health management, social and behavioral management, home health management, and financial management. The health management segment is expected to command the largest share of the global patient engagement solutions market in 2015.
On the basis of therapeutic area, the patient engagement solutions market has been segmented into chronic diseases, women's health, fitness, and others. The chronic diseases segment is the fastest-growing segment and is expected to command the largest share of the global patient engagement solutions market in 2015.
Geographically, the global patient engagement solutions market is divided into four major regions, namely, North America, Europe, Asia, and the Rest of the World (RoW). North America is expected to account for the largest market share in 2015, followed by Europe and Asia.
As compared to other healthcare IT markets, the patient engagement solutions market is growing at a double-digit CAGR. Europe is the second-largest market, growing at a higher CAGR as compared to that of North America. The Asian market is relatively new; factors such as increasing government initiatives for HCIT adoption as well as growth of the medical tourism sector in the region are contributing to the growth of this market.
McKesson Corporation (U.S.), Allscripts Healthcare Solutions, Inc. (U.S.), Phytel, Inc. (U.S.), athenahealth, Inc. (U.S.), Orion Health Ltd. (New Zealand), Cerner Corporation (U.S.), GetWellNetwork, Inc. (U.S.), Lincor Solutions Ltd. (U.S.), YourCareUniverse, Inc. (U.S.), WelVU, Inc. (U.S.), Get Real Health (U.S.), Oneview Healthcare (U.S.), PatientPoint (U.S.), and Medecision, Inc. (U.S.) are the key players in the global patient engagement solutions market.


There's nothing quite like a good documentary.
Documentaries allow the filmmaker, and subsequently the viewer, intimate access to the life—body, mind and heart—of a subject in a way that few art forms afford.
The best documentaries are like reading a personal letter from one best friend to another. Or being a fly on the wall at an especially eloquent eulogy, or perhaps even pillow talk. The best documentaries, like the best art, teach us something about someone else and teach us something about ourselves in the process.
And what a time to be alive. Never before in the history of documentaries have they been so culturally relevant, so commercially viable, and so permeated society as they are today.
Feature length documentaries, short form docs, Branded Content, docu-style advertising, VR/AR and all number of real, human stories—rarely does one get the opportunity and the privilege to tell and to hear a story in such a way.
There's a real power in Documentary Storytelling; and it is an art form to which we are thoroughly committed.


The data in this occurrence resource has been published as a Darwin Core Archive (DwC-A), which is a standardized format for sharing biodiversity data as a set of one or more data tables. The core data table contains 21,499 records.
This resource has been registered with GBIF, and assigned the following GBIF UUID: 9a0a4061-c7b5-43f2-abf2-bbd978a686ad. BioFresh publishes this resource, and is itself registered in GBIF as a data publisher endorsed by Society for the Management of Electronic Biodiversity Data.


Whether for a weekend or a week-long visit, we would recommend beginning exploring the Osage with an overnight stay in the Osage Hills at the Postoak Lodge where guests can swim, hike, zip line, fish, or just take in the gorgeous view. On your way through the county, be sure to visit Woolaroc Museum and Wildlife Preserve where the whole family can step back into the past to the days of oilman tycoon, Frank Phillips, on his historic Woolaroc ranch. Woolaroc has a 50,000 sq. ft. world-class museum, beautiful country-side, and a petting zoo for the kids.
From bison on the Tallgrass Prairie Preserve to the city lights of Tulsa, Osage County will capture your heart with the culture of the Gilcrease Museum, the beauty of the Tulsa Botanic, and the romance of the cowboy on the range. Come explore the place where you can, indeed find a home where the buffalo roam, where the cowboys and Indians still play – where seldom is heard a discouraging word and the skies are not cloudy all day! Osage County, Oklahoma – you'll never meet a stranger, just friends and neighbors. Come explore Osage County and we'll roll out the red carpet for you when you do!
Coming up in the month of September we will kick things off Labor Day weekend with the Wine & Jazz Festival at the Postoak Lodge located just north of Tulsa in the Osage Hills. This three-day event will feature food trucks, wineries, and the best of jazz! Also, September 13-15th, the Skiatook Chamber of Commerce will be having a big to-do in Skiatook with their annual Pioneer Days. Bring the kids for games, a parade, and even an evening rodeo! In addition, if you consider yourself to be a "low rider" or a Harley fan, you might want to be in Pawhuska on Saturday, September 15th for the "Ride the Osage" event with a drawing for a Harley Davidson motorcycle to be given away. Last but definitely not least, on Saturday, September 29th Woolaroc Museum and Wildlife Preserve will be hosting their historic annual "Cow Thieves and Outlaws" Reunion that we consider one of the signature events in the Osage!


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41 FREE Income Statement Templates & Examples
The income statement is one of three key financial statements used by all companies, from small businesses to large corporations. While income statements may seem overwhelming at first, they are an essential part of doing business, and you will soon appreciate the valuable information they provide for your company. When utilized together, the income statement, balance sheet, and statement of cash flows provide a clear picture of your company's overall financial status, serving as helpful tools for analysis, planning, and decision-making.
What is an income statement?
An income statement shows the income and expenses of a company over a specified period of time. Investors and business managers use the income statement to determine the profitability of the company. It is one of three major financial statements required by GAAP (generally accepted accounting principles).
According to Black's Law Dictionary, the definition of a basic income statement is:
A simple way to track expenses and income using one line terms with a single total at the bottom.
1 What is an income statement?
2 Types of Income Statements
2.1 Simple/Basic Income Statement
2.2 Single-Step Income Statement
2.3 Multi-Step Income Statement
2.4 Pro forma Income Statement
2.5 Common Size Income Statement
2.6 Contribution Margin Income Statement
2.7 Absorption Costing Income Statement
2.8 Variable Costing Income Statement
2.9 Partial Income Statement
2.10 CVP Income Statement
2.11 Segmented Income Statement
2.12 Comparative Income Statement
2.13 Projected Income Statement
2.14 Consolidated Income Statement
3 Income Statement Examples
4 What is included in the income statement?
5 How to Prepare an Income Statement
6 Income Statement Templates
7 The Differences Between Common Accounting Terms
7.1 Income Statement vs Balance Sheet
7.2 Profit and Loss vs Income Statement
7.3 Single-Step vs Multi-Step Income Statement
7.4 Absorption Costing vs Variable Costing Income Statement
7.5 Cash Flow vs Income Statement
8 Sample Income Statement
9 Income Statement FAQs
9.4 CVP Income Statement
9.5 Segmented Income Statement
9.6 Comparative Income Statement
9.7 Projected Income Statement
9.8 Consolidated Income Statement
10 Income Statement Examples
11 What is included in the income statement?
12 How to Prepare an Income Statement
12.1 Single-Step Income Statement
12.2 Multi-Step Income Statement
13 Income Statement Templates
14 The Differences Between Common Accounting Terms
14.1 Income Statement vs Balance Sheet
14.2 Profit and Loss vs Income Statement
14.3 Single-Step vs Multi-Step Income Statement
14.4 Absorption Costing vs Variable Costing Income Statement
14.5 Cash Flow vs Income Statement
15 Sample Income Statement
16 Income Statement FAQs
Types of Income Statements
Simple/Basic Income Statement
A simple or basic income statement may only include income, expenses, and net profit (or loss). For most small businesses, a simple income statement is sufficient for internal reporting. However, investors may request a more complex income statement.
Single-Step Income Statement
A single-step income statement is a basic income statement that lists all revenues together, followed by all expenses together, with net profit (or loss) as the closing line item. These income statements are often used by both small and large companies. However, they only provide a general overview of the company's financial position, so many larger companies require a more complex income statement.
Multi-Step Income Statement
A multi-step income statement is more complex than a single-step income statement, but it also provides a more thorough overview of the company's financial position. With these statements, operating and non-operating activities are listed separately. Gross profit, operating income, non-operating income, and net income balancing figures are also listed as individual line items.
Multi Step Income Statement
Pro forma Income Statement
A pro forma income statement is based on projections or possibilities. Companies often use pro forma income statements to forecast what may happen in anticipation of an event. For example, if the company is considering a merger, a pro forma income statement may be prepared to determine the profitability of the merger.
Common Size Income Statement
A common size income statement is used to analyze how each separate item on an income statement affects the company's overall profit. Because these income statements are used primarily for analysis, each account is shown as a percentage of the total value of sales rather than an actual dollar amount.
Contribution Margin Income Statement
A product's contribution margin is the unit price minus all associated variable costs per unit. A company's total contribution margin includes all earnings available to pay for fixed expenses. If there are any earnings remaining, the difference is considered profit. A contribution income statement is generally only used for internal reporting as a tool for planning and analyzing product costs. It is helpful for determining a company's "break-even" point.
Absorption Costing Income Statement
Absorption costing is the standard format for income statements. It is the required format for external reporting according to GAAP. With absorption costing, all manufacturing expenses are considered part of product costs.
Variable Costing Income Statement
Companies sometimes use variable costing for internal reporting of financial statements. With variable costing, only direct costs (materials, labor, overhead variances) are considered part of product costs. The remaining overhead manufacturing expenses are considered periodic expenses and deducted from the gross profit for that period.
A partial income statement is a special type of income statement that only reports financial information for a specific period of time. "Partial" does not refer to the information provided within the income statement because these income statements typically report all the same information as a full income statement. Instead, the term "partial" is used because these income statements are only used to report part of a typical financial period.
CVP Income Statement
Cost-Volume-Profit income statements are specialized internal financial statements used to analyze the profitability of various production scenarios. The format may vary from one company to the next but typically includes fixed expenses, variable expenses, revenue, and contribution margins.
Segmented Income Statement
A segmented income statement shows the same information as a standard income statement, but only for a specific segment of the company. For example, the segment might be a particular product line or branch of the company's overall operations. These income statements are typically used to determine the profitability of a certain segment of a company. Management may use a segmented income statement for analysis and decision-making, such as whether it is in the company's best interests to drop a product line or close a branch.
Comparative Income Statement
A comparative income statement compiles income statements for multiple periods into one document using separate columns for easy analysis. For example, a comparative income statement might include the months of January, February, and March, with separate column headings and a full income statement prepared for each month. Using this information, management can easily spot dips and surges in revenue, expenses, and overall profit over the course of time.
A projected income statement is used for budgetary purposes. Instead of using historical numbers from a certain period of time, this type of income statement uses projected figures for a future period. It is prepared similarly to a pro forma income statement, but they are not the same type of document. A pro forma statement uses projections based upon a possible event, whereas a projected income statement assumes operations continue as usual.
Consolidated Income Statement
A parent company with subsidiaries may use a consolidated income statement to show an overview of the entire company's financial position as a whole. With this type of income statement, the revenue, expenses, and income of the parent and all its subsidiaries are combined together into one document.
Income Statement Examples
What is included in the income statement?
The income statement is a fairly simple document that is used to show the company's overall financial performance. According to GAAP, it should be clear and concise, listing the following:
Revenue: Revenue is the income a company receives during the stated period. This should include income from all sources.
Expenses: Expenses include any cost the company incurs during the stated period. This includes COGS (Cost of Goods Sold), operating expenses, etc.
Gains/Losses: Gains and losses from non-operating activities are also included. These are usually investment-related activities, though other gains and losses may be included as well.
How to Prepare an Income Statement
There are two primary ways to prepare an income statement. The single-step income statement is simple to prepare and offers an overview of the company's financial position. The multi-step income statement is a little more complicated to prepare and offers a more detailed view of the company's financial position.
Most small companies use a single-step income statement. This type of income statement typically has three main sections:
Revenues: All of the company's revenues (or income) should be summarized and totaled first.
Expenses: Next, all of the company's expenses should be listed and totaled.
Net income: The bottom line of the income statement should state whether the company had a net gain or a net loss. This is called "net income." To arrive at this number, the total expenses are subtracted from the total revenue. (This number is also casually referred to as "the bottom line.")
Larger companies or companies that sell tangible goods usually use the multi-step income statement, which provides more detail about income and expenses from specific activities.
With a multi-step income statement, operating revenue and expenses are separated from non-operating revenue and expenses. A multi-step income statement also includes a line item for gross profit.
The sections of a multi-step income statement include:
Sales: The total sales of the company, the Cost of Goods Sold (COGS), and the resulting gross profit.
Operating expenses: A breakdown of all of the operating expenses of a company, which includes Selling, General, and Administrative Expenses (SG&A).
Operating income: The difference between gross profit and total operating expenses.
Non-Operating/Other: Any revenue, expense, gain, or loss related to non-operating activities, such as investments.
Net income: Any resulting net profit or loss calculated as a total of operating income plus non-operating income.
Income Statement Templates
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The Differences Between Common Accounting Terms
Income Statement vs Balance Sheet
Point of Difference Income Statement Balance Sheet
Objective The objective is to present the summary of expenses and incomes for the accounting period concerned. The objective is to present the financial position at the end of the accounting period.
Balancing Figure The balancing figure tells the result of business operations (profit/loss). The balancing figure includes personal accounts, real accounts, and those nominal accounts which are capital in nature and need to be written off over a period of time.
Nature It is dynamic in nature because it lists the expenses and incomes for the stated period. It is static in nature because it lists the balances of assets and liabilities at a given point in time.
Profit and Loss vs Income Statement
There is no difference between the P&L (Profit and Loss) Statement and the Income Statement. The terms are used interchangeably.
Single-Step vs Multi-Step Income Statement
Point of Difference Single-Step Income Statement Multi-Step Income Statement
Objective The objective is to provide a concise overview of a company's profit/loss for the stated period. The objective is to give a more detailed view of a company's profit/loss for the stated period.
Balancing Figures The balancing figure tells the total net profit or loss for the company for the specified time period. The balancing figure tells the total net profit or loss for the company for the specified time period. Other figures also specify the gross profit, operating income, nonoperating income, and operating expenses.
Preparation All revenues are listed together, all expenses are listed together, and the difference between the two is listed as the net profit or loss. Operating and nonoperating activities are listed separately with gross profit, operating income, non-operating income, and net income as individual line items.
Absorption Costing vs Variable Costing Income Statement
Point of Difference Absorption Income Statement Variable Costing Income Statement
Objective All manufacturing expenses are considered part of product costs. Only direct costs (materials, labor, overhead variances) are considered part of product costs.
Preparation Overhead manufacturing expenses are considered part of the unit cost and deducted from the selling price of the product. Overhead manufacturing expenses are considered periodic expenses and deducted from the gross profit for that period.
Result Product costs will be higher using this method. Product costs will be lower using this method.
GAAP Required by GAAP for external reporting. Usually used for internal reporting only.
Cash Flow vs Income Statement
Point of Difference Cash Flow Statement Income Statement
Objective The objective is to show the actual cash received and spent within a stated period of time. The objective is to present the summary of expenses and incomes for the accounting period concerned.
Balancing Figure The balancing figure tells the current liquid assets of a company at a certain point in time. The balancing figure tells the result of business operations (profit/loss).
Nature It is static in nature because it lists the balances of liquid assets at a given point in time. It is dynamic in nature because it lists the expenses and incomes for the stated period.
Sample Income Statement
Income Statement FAQs
What is the order of the subtotals that appear on a multi-step income statement?
The subtotals should appear in the following order:
Other revenues and expenses (non-operating)
Where are selling and administrative expenses found on the multi-step income statement?
Selling and administrative expenses should be listed as individual line items under operating expenses.
What is an advantage of using the multi-step income statement?
The primary advantage of the multi-step income statement is the amount of information it provides. Unlike the single-step income statement, the multi-step income statement includes gross profit and separates operating income from non-operating income for clearer analysis.
How do you calculate COGS (Cost of Goods Sold) for an income statement?
The Cost of Goods Sold formula is:
[Opening Inventory for the Period] + [Additional Inventory Purchases Made During That Period] – [Closing Inventory for the Period] = COGS
Where is depreciation expense found on the income statement?
Depreciation expense is listed under "Expenses" on a single-step income statement and listed under "Operating Expenses" on a multi-step income statement.
Where is interest expense listed on the income statement?
Interest expense is listed under "Expenses" on a single-step income statement and listed under "Non-Operating or Other" on a multi-step income statement.
How do you calculate interest expense for an income statement?
The interest expense formula is:
[Principal outstanding on the loan] x [Annual interest rate] x [Time period] = Interest Expense
Where is bad debt expense reported on the income statement?
Bad debt expense is listed under "Expenses" on the single-step income statement and listed under "Operating Expenses" on the multi-step income statement.
What time period does an income statement cover?
An income statement may cover any specific time period, from a day to multiple years. Most companies prepare income statements quarterly or yearly. However, it's not uncommon for businesses to prepare income statements more often.
Why is the income statement important?
The income statement shows the overall financial performance of a company within a stated period of time. It is arguably the most important financial statement and is often used for analysis and planning of all aspects of the business. A fina
The income statement shows the overall financial performance of a company within a stated period of time. It is arguably the most important financial statement and is often used for analysis and planning of all aspects of the business. A financial statement is often the first document prepared for both internal and external reporting because it gives the best overall picture of a company's financial health and viability.
How is the income statement of a merchandising company different from that of a service company?
The income statement for a service company is generally less complex than the income statement for a merchandising company. A merchandising company may include COGS, refunds and returns, discounts, and more. Because a service company does not deal with tangible materials, these sections are unnecessary. However, a service company may have other expenses to consider, such as travel, promotional materials, etc.
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A personal mission; prison reform vs criminal justice reform
Many years ago, when my (now deceased) son was incarcerated, I knew next to nothing about criminal justice policies, rates of incarceration, or racial disparities in sentencing.
I paid little heed to his complaints about overly punitive judges, ineffective lawyers, or prison conditions. In actuality, I believed he was just venting his frustrations.
With a better understanding of the political and social factors that have led to mass incarceration, I might have been more proactive, perhaps even joining an organization that tackled criminal justice issues.
Doing so, could have helped me cope with my anxiety and worry.
Hence, in 2016, I created a podcast, One Mother's Voice: In the Name of Justice to provide for mothers with sons in prison "… accurate information about U.S. criminal justice policies and their effects on families and communities, and to promote activism as an antidote to hopelessness and helplessness." (OMV is on hiatus until January 2019)
The podcast featured topics from community bail funds to health care in prisons as well as my commentary on criminal justice issues and news.
My goal for the revamped OMV is to give mothers a platform to share their experiences with the criminal justice system, their concerns, and their strategies for coping with emotional pain.
If you have a story to share, contact Wista Jeanne Johnson at omvforyou@gmail.com.
The (Trump-approved) First Step Act debate
2016 was an encouraging year for federal sentencing reform. There was bipartisan support in Congress for changing minimum mandatory sentence laws for low-level drug offenses. (Good news.)
In May 2018, the First Step Act (FSA), a prison reform bill, passed the House in May 2018. Jared Kushner, son-in-law and senior advisor to President Trump, has been the major proponent of the bill.
(Some believe that Kusher's advocacy was prompted by the fact that his father, Charles Kushner, spent two years in federal prison for illegal campaign contributions, tax evasion, and witness tampering.)
Critics of FSA say that the bill is "back-end" reform that affects those already incarcerated rather than "front end" reform that seeks to affect policies that keep people out of prison through preventative measures. Its provisions include:
encouraging inmates to participate in vocational and rehabilitative programs
authorize more funding for these programs
increasing "good time credits"
using algorithms to determine inmate eligibility for these credits.
However, Vox reports "…algorithms can perpetuate racial and class discrimination; for instance, an algorithm that excludes someone from earning credits due to previous criminal history may overlook that black and poor people are more likely to be incarcerated for crimes even when they're not more likely to actually commit those crimes."
FSA faces opposition from Republicans (Sen. Tom Cotton–AK) and Democrats, including Rep. John Lewis (D-GA) and Senators Cory Booker (D-NJ) and Kamala Harris (D-CA).
In his Wall Street Journal op-ed, Senator Cotton said, "This naive policy ignores the reality of recidivism. Five out of six prisoners end up rearrested within nine years, according to a recent Justice Department study…(m)ost criminals will commit more crimes after being released from prison, even with improved rehabilitation programs.
The last thing Congress should do is shorten their sentences or allow them to "serve time" in home confinement." (Of course, he makes no mention of the causes for recidivism.)
According to a Marshall Project article, "Opponents, mostly on the left, say any criminal justice reform bill should also reduce mandatory minimum sentences or give judges more discretion to make the punishment fit the crime. A bipartisan Senate bill, the Sentencing Reform and Corrections Act, is also making its way through Congress. It includes "back end" reform—services for prisoners—and "front end" reform—reducing sentence time. Its supporters believe that the House bill is stealing support and momentum from the more comprehensive bill."
FSA only affects federal prisoners.
Let's hope that, despite its limitations, it proves beneficial for incarcerated persons who seldom get second chances.
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