Giftster is not another shopping site, there are plenty of those already. Giftster is a free, life time gift idea management system for your family and close friends.
Now with your whole family connected by the Internet, you can post each other's gift wish lists - and an updated family events calendar - in one central place.
Your family's gift ideas and important dates go into Giftster – and out comes a better way to give and get gifts that matter most…without the usual anxiety that goes with it.
Create and share gift wish lists with the groups you choose.
Create a personal gift preference profile so others know sizes, colors, and your other favorites.
Track the purchase status of gifts to avoid duplicates and the hassle of returns.
Eliminate the back and forth of emailing lists.
Spend your money wisely – give and get the gifts that matter most.
Giftster is independent of any retailer and you can add gifts from any merchant – online or offline. We do provide convenient, optional, Amazon search features.
Designed for every member of the family — kids, parents, grandparents, uncles, aunts, cousins, nephews, mom, dad — everyone.
Creating your own wish list, to help others make good gift choices for you, is as simple as jotting down a list of ideas. You decide how completely to describe each gift idea. Unlike a traditional gift registry, you don't have to shop for anything first. Just make a list. It's that simple. It makes absolutely no difference who sells the gift or service. You can even just jot down preferences, like gardening or golf, and let the gift giver take it from there. Optionally use the Add-to-giftster button to add items to your lists "on the fly" while shopping online.
You can restrict the view of your lists to people allowed into your own private group, or you can make public lists that anyone can view and shop by visiting giftster. Traditional family gift idea sharing is best done with the shared privacy setting; baby showers, wedding gift lists, and needs lists like classroom wish lists are best done with a public privacy setting so anyone can view and shop the lists.
From the home page, click on the big Try Making a List button in the red section in the middle of the page, type in a title for your list and start jotting down wish list ideas before even creating an account.
When finished test driving a list, click the link to password protect this list and you're now a member! You can email a link to your list by clicking on Share. You can send this link to a friend, or even come back and update your list later with this link. You don't even have to register to experience the Giftster wish list.
If you decide you want others to view your list and be able to reserve items to avoid duplicate purchases, then register yourself and create a group from the my groups page, as described in the next example.
Once logged in, to make your list the first one in your family group, click on +New List, name it, and add a few gift ideas to start.
Click on Create Group & Invite and your group is created, with you as the only member.
Click on Events icon, and start adding birthdays and holidays that you know are meaningful to your group. Other members can also contribute to this Events list.
Check back to your my groups page, to see the status of those you have invited to your group. You can click the email icon to resend the invitation.
If you received an email invitation, click on the link in the email and complete the registration and you are instantly a member of the group that invited you.
If you want to find an existing group and request to join it, use the member search box at the top of the page. Enter a first name last name or email address of the person whose group you wish to join.
When you find a match, you have the opportunity to request to join their group. Click on Request Membership. If already logged in, your request is sent to the group creator. If not, you are prompted to login or Signup.
Once the group creator approves your request from the email they receive, or from the groups page in their own account, you will receive notice that you are in the group and you will instantly be able to view and reserve gifts on others lists, and they can see yours.
Add your wish list to the group. Click on the my lists icon. Click on +new list, type in a list title, then click on +add item to begin creating your own list that others in the group can view and reserve items on.
Click on the my events icon to contribute important dates to the group event calendar.
Click on shop for others to view the lists added by others in the group.
In shop for others view, with a list selected, click on individual items in the list to see item detail. Click the small icons to indicate that you wish to reserve or purchase this gift. The list owner cannot see the status of list item but everyone else can, to avoid duplicate gifts.
Have you not already seen all the pretty pictures and giftster workings on the giftster.com home page? You still want to read more? Then this section is for you.
Define a group. Everyone who registers to that group can view and reserve items on each other's wish lists in that group.
The group creator also gets the rights to administer the group, which means they get to decide who is approved to join the group, and who might just have to leave. They can even "email my group" to send out an update.
Visitors to giftster can discover your group and request membership by searching for a name or email address of a member of that group.
Group members also contribute to the group event calendar that all can see.
When using the giftster App on an iPhone, iTouch or iPad, or on Android from Google Play, invite people to join with one touch of your address book.
Create a personal wish list complete with item, price, image, star ranking, store, a URL web link to the item page at a store, and a description for each item. Be sure to try "Fetch" the magic way to auto fill your item with just a store web page link.
Choose who can view your list. Private - your eyes only. Shared - anyone in your groups. Public - anyone, including visitors to giftster who can find your list using member search or with Google, unless you uncheck that option.
The list owner cannot see the reserved or purchased status of items on their own lists.
Use this list privately as your own ongoing wish list. Or email the page link to others who can view your list. You don't even have to register to use this part of the service.
Every giftster member has a special page where they can choose to list sizes and gift preferences to help others make smart gift choices for them. This page is independent of any gift lists. You can list shirt sizes, favorite colors, your preferred cultural attractions, charities and even a list of things not to get you. If you were thinking "I'm not going to make a list of things I want" because that is not your style, then this is your chance to at least make a list of your preferences to help others decipher your good tastes.
Once you create or are part of a group with one or more members, you can view and reserve gifts on each other's lists - select shop for others. This is the magic of giftster! When browsing other lists, you can see if someone else has already reserved an item on a list. You can click on an item to see all detail, you can click to add the same item to one of your own lists, and you can see how many of that item the person wants. If the list maker requests more than quantity one of an item, each time you click on reserve or purchase you decrease the quantity available by one until no more are available. Others can also reserve any remaining quantity.
With one click or touch you mark an item reserved, and can convert that into purchased at any time. Once you mark something reserved, others shopping for that same person will see that item is already reserved by someone else. They have the option to reveal the name of the other person that reserved the item.
You may mark items reserved or purchased on several different lists and for different people in your group(s). Giftster automatically collects all your reserved and purchased items in one place, called my shopping list. Press the print my shopping list and you get a summary list of each gift you reserved, no matter which list it was on.
To locate and purchase items on someone's list where the list maker didn't provide a link, Giftster provides two quick useful features. The first is that Google has already reviewed that list and is displaying the most relevant offers it has for the items on the list to the right of the list on the screen. For example, if your mother is asking for bed sheets, Google will likely be able to automatically display a couple of different stores offering bedsheets, perhaps on sale.
The second feature is a one-click slide out look up on Amazon. Just click on the magnifying glass next to an expanded item and instantly up to 5 suggested matches will slide out below that item on the screen available from Amazon. Sometimes Amazon cannot find any matches, like if aunt Tilda wants a mink fur coat. These two features that help you find the items on the list are for your convenience - you don't have to use them but we think you'll find them surprisingly handy.
One of the great things about giftster is the real time sync across all devices. Check and update lists and gift preferences from any computer or any smartphone or tablet and you'll always have the latest lists and item status. Discover giftster versions for the web, iphone, Android, and for other small screen devices with mobile web giftster. If you know another family member is out shopping for the same person you are, be sure to mark the item "purchased" on your smart phone while you are still at the store, and it will be the other person returning a gift if they bought the same thing.
The giftster blog contains Aimee's gift giving tips and other recent write ups. Find dozens of giftster reviews and write ups on the press page. Find our story and our people on the about pages.
Well enough reading already - time to get your family connected with giftster. Even the December 2016 print issue of the leading US consumer reviews magazine suggests trying giftster in an article titled Write a Better Wish List!


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Catch Me If You Can. W/ Curtis of Half Hour Bros Pod
We are back with yet another episode where I bring on a a guest to talk and later act out a scene from their favorite movie.
Today's guest is Curtis from the Half Hour Bros Podcast and his scene is from the 2002 Steven Spielberg directed flick., Catch Me IF You Can. But instead of doing a scene that has Leonardo DiCaprio and Tom Hanks in it. He chose one scene that features a few sentences said by Christopher Walken. If you wanted to hear two podcasters do impressions of Mr. Walken and talk about why we both like Catch Me If You Can. Than this is the show for you.
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Continuing our look back at the films from David Cronenberg comes one of his most polarizing and controversial projects, Crash . The movi...
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Season 2: 31 Days of Halloween
Season 3: Cult Classics and Miscellaneous Movie Reviews
Season 4 Cult films + other shows about cinema
Season 5: The Return of the Beginning Part 7
Season 6: Deep Dives in Movies
Season 7: Audio Drama Adaptations and more
Season 8. It's Ahhhh!!! Live.
Season 9 is doing just fine.
Cinema Recall is a podcast that discusses all aspects of film including iconic moments in movies and short reviews as well
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December 2, 2019 Healthcare, Top Market News No comments
Revance Therapeutics (RVNC) Received its Third Buy in a Row
By Jason Carr
After Needham and Stifel Nicolaus gave Revance Therapeutics (NASDAQ: RVNC) a Buy rating last month, the company received another Buy, this time from Mizuho Securities. Analyst Difei Yang maintained a Buy rating on Revance Therapeutics today and set a price target of $34.00. The company's shares closed last Monday at $19.10.
According to TipRanks.com, Yang is currently ranked with no stars on a 0-5 star ranking scale, with an average return of -4.7% and a 37.5% success rate. Yang covers the Healthcare sector, focusing on stocks such as Xeris Pharmaceuticals, Audentes Therapeutics, and Nektar Therapeutics.
Currently, the analyst consensus on Revance Therapeutics is a Strong Buy with an average price target of $31.29, which is a 67.3% upside from current levels. In a report issued on November 25, Needham also maintained a Buy rating on the stock with a $32.00 price target.
See today's analyst top recommended stocks >>
The company has a one-year high of $24.99 and a one-year low of $9.88. Currently, Revance Therapeutics has an average volume of 380K.
TipRanks has tracked 36,000 company insiders and found that a few of them are better than others when it comes to timing their transactions. See which 3 stocks are most likely to make moves following their insider activities.
Revance Therapeutics, Inc. is a clinical stage biotechnology company. It is engaged in the development, manufacturing, and commercialization of novel botulinum toxin products for multiple aesthetic, and therapeutic applications.
Difei Yang, NASDAQ:RVNC, Revance Therapeutics, RVNC


While taking a holistic view that does not separate mind and body, it remains true that mental health is closely associated with the physical nervous system. Here we consider some physical supplements that support both mental and nervous system wellbeing.
Always remember that your mental health reflects your physical health and vice versa. In this section we are not addressing positive attitudes, social integration or any other important factors contributing to mental health, simply some supplements that have proven their usefulness.
Whatever you seek to achieve in health improvement you should start with a clean slate, so to speak. Ensure that you are following a good diet and healthy lifestyle as described in our books and have your nutritional foundation in place.
Whether concerned with the central nervous system or the autonomic nervous system, ultimately effective function depends on passing signals from cell to cell using biochemical substances collectively called neurotransmitters. These are manufactured within the body from the nutrients you consume.
Many brain and nervous system disorders are a direct result of nutrient deficiencies. These disorders worsen with time resulting in malfunctioning neurotransmitters, which in turn can lead to various chronic conditions.
This product can be added to your daily supplement regime to help combat the nutritional deficiencies that undermine nervous system and mental wellbeing. It is excellent 'insurance' to help protect you from mental and neural disease and maximize your chances of living a life free from such degenerative illnesses.
These two feeling states are far too common. Many people mistakenly think that one can have one or the other but not both at the same time. Unfortunately this is incorrect.
Depression is widely understood to be those deep or prolonged times feeling flat or low or down. Anxiety could similarly be understood as feeling stressed or uptight or unduly worried. While some acute periods of anxiety are associated with heightened awareness, vigilance and sensitivity, this is not the type of high or being 'up' that is considered opposite to depression. Hence, as it happens, people frequently experience anxiety and depression at the same time.
There is much that can be done to prevent and to treat these conditions. Extremely important among these is a high quality diet with appropriate nutrients. Unfortunately, many people simply resort to drugs. A good approach is to use proven supplements, like the following.
This brilliant product provides helps relieve both depression and anxiety. Formulated to restore brain balance it is valuable for those experiencing undue stress and negativity.
Everyone loses sleep occasionally and if it is only brief and leads to no accidents, it's really nothing to worry about. Serious or sustained sleep loss is another matter entirely.
Good, sound, restful sleep is restorative and having sufficient high quality sleep is essential for physical, mental and social wellbeing. Indeed, your holistic nature will quickly be reveal by just how much is touched by lack of sleep.
While many things can be recommended to improve sleep, from regular routines to adequate exercise and proper eating, the Neuro-Natural Sleep formula can provide the frequently missing foundation that ensures they work.
Everyone forgets things from time to time. That may prove unfortunate but mostly does not indicate a serious problem.
When forgetting occasionally gives way to regular forgetfulness however, something should be done to correct the trend. Indeed, it may be quite wise to take early corrective action or even preventative measures.
Closely related to the brain functions associated with memory are those enabling mental concentration. A reasonable measure of concentration is essential just to live safely in the modern world. Difficulty in initiating or sustaining concentration should always be given attention.
The following products are recommended for their usefulness in dealing with memory and concentration needs.
This product provides an excellent nutrient foundation and further support to brain function. It is excellent for meeting memory and concentration needs and may assist in the prevention of the dementias.
Attention Deficit Disorder (ADD) and the closely related Attention Deficit Hyperactivity Disorder (ADHD) are two labels for presenting symptom patterns that are used far too commonly these days. Far worse unfortunately, is the widespread over use of drugs to attempt to treat the conditions.
Though applied too readily and loosely, it is clear that many people are experiencing serious difficulties with focusing and concentrating. Just as clearly this can result in behaviors that lead to many problems.
These are classic cases for following the guidelines in my book, Safe Colon Cleansing. Diet and lifestyle issues are crucial in correcting these conditions. Some additional products are being evaluated for inclusion here that may help people avoid the toxic drugs that are usually prescribed.


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Lakers center Dwight Howard said the mom of his 6-year-old son died of a seizure last month
Los Angeles Lakers center Dwight Howard told reporters on Friday that the mother of his 6-year-old son, David, died last month after she had a seizure." data-reactid="16″ type="text">Los Angeles Lakers center Dwight Howard told reporters on Friday that the mother of his 6-year-old son, David, died last month after she had a seizure.
according to ESPN." data-reactid="17″ type="text">David's mom, Melissa Rios, had an epileptic seizure on March 27 at her home in Calabasas, California, according to ESPN.
Howard is currently home with his son and four other children in Georgia, where he has been training and sheltering in place during the NBA's COVID-19 hiatus.
"I've had some things happen in my personal life that has been difficult to really handle," Howard said on a video conference call with reporters, via ESPN. "My son's mom, she had passed away a month and a half ago and it's extremely difficult for me to try to understand how to talk to my son, who's 6 years old, just about the whole situation."
While the coronavirus pandemic has limited gatherings across the country, even for funerals, Howard said he was still able to attend Rios'. The two remained close over the years, and said he was even texting with her about joining him and the kids in Georgia when he learned that she had died.
"There was no way I could not be [at the funeral] for my son and even for her family," Howard said, via ESPN. "I definitely would've felt like that would've been bad. She deserves and he would deserve better if I didn't do that."
Orlando Magic — said he will keep training in Georgia despite stay-at-home restrictions being lifted in the state and the Lakers' team facility set to open in the coming days. " data-reactid="24″ type="text">Howard signed a one-year, $2.5 million deal with the Lakers this season, and was averaging 7.5 points and 7.4 rebounds off the bench when play was suspended. The 34-year-old — who earned eight All-Star nods at beginning of his 16-year career, most of them with the Orlando Magic — said he will keep training in Georgia despite stay-at-home restrictions being lifted in the state and the Lakers' team facility set to open in the coming days.
Not only does he want to wait for things with the coronavirus to clear up, but he knows he has to be there for his son.
via ESPN." data-reactid="26″ type="text">"It's bittersweet because I do want to play basketball, but my son right now needs me more than anything," Howard said, via ESPN.
Though it hasn't been easy, getting to spend time at home with his children has definitely helped him get through it.
"Every moment counts," Howard said, via ESPN. "Be grateful for every situation that you have, just be grateful for life. I think we also take for granted the little things and just spending time with people and stuff like that. And you know after having all these situations, it's like, reconfirming to me just stay in the moment. Always be grateful. Always be grateful for everything you have, every little thing that happens."
Lakers center Dwight Howard said that the mom of his 6-year-old son died last month after having a seizure. (Thearon W. Henderson/Getty Images)
Stone Cold Steve Austin claps back at fan over mask
2 NFL players face armed robbery charges
Sohi: MJ needed others to cool down his fiery leadership
Wetzel: Snell justified to scoff at MLB pay cut
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If you're losing your mind over political news coverage, consider any of these podcasts to save your sanity. Image: Vicky Leta / Mashable By Marcus Gilmer2018-09-30 09:00:00 UTC In a time of volatile politics and chaotic news cycles, it can be hard to separate the signal from the noise, to stay informed without getting completely…
Coronavirus: Stock markets rally despite latest evidence of economic impact
Stock markets have rallied despite latest evidence of the catastrophic impact coronavirus is having on the global economy – as central banks stepped in with more help.London's FTSE 100 closed 165 points, or nearly 3%, higher while on Wall Street the S&P 500 closed up 1.4%. For the FTSE, it was the best week since…
Coronavirus: How do you care for someone at home?
Patients with mild coronavirus symptoms – such as a new continuous cough or a high temperature above 37.8C -should self-isolate at home for at least seven days, according to the latest advice issued by Public Health England.If symptoms worsen or don't go away after a week, then people should contact their local health service -…
Yankees announce $1.4M fund for Yankee Stadium workers
Unfortunately, our website is currently unavailable in most European countries. We are engaged on the issue and committed to looking at options that support our full range of digital offerings to the EU market. We continue to identify technical compliance solutions that will provide all readers with our award-winning journalism.
Man arrested for camping out in coronavirus-shuttered Disney World
May 2, 2020 | 2:24pm Enlarge Image The dock at the entrance to Discovery Island at Walt Disney World in Florida. The Orlando Sentinel via AP An Alabama man found his own Magic Kingdom this week in Florida's Disney World, camping out in the "tropical paradise" for days before being busted, according to reports. Security…
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Roy Jackson on Classical Theism
What is classical theism? Interview with Dr Roy Jackson at the University of Gloucestershire..
Students speak about Peter Singer (The Examined Life..)
http://www.youtube.com/watch?v=w6d5drvFMVs A group of our new first-year students were asked to give a presentation on one philosopher talking in the film The Examined Life. This group chose Peter Singer, and produced a film of their own!
Diwali Field Trip..
On tuesday, RPE (and a few others) went to the Leicester Diwali 2012 celebrations… More details can be seen at http://www.leicester.gov.uk/diwali/ but the best account is probably that offered by staff and students over on our course Facebook group at https://www.facebook.com/groups/RPEglos/
Dawkins, Tinker and fundamentalist atheism
Another submitted question: Do you find Dawkins argument less convincing than Tinker and other contemporary philosophers because he is essentially a fundamentalist atheist? (The Edexcel textbook references this article: http://matthiasmedia.com/briefing/2006/10/dawkinss-dilemmas/) How could one criticise Tinker's critique of Dawkins?…
Aquinas, Change and Perfection
A teacher wrote: "We were discussing the classical idea of God as immutable and impassible – one of my students asked how Aquinas squared these attributes with scriptural testimony to His being moved to pity (by Hannah's request for a…
Argument for Existence of God
Podcast on Rudolf Otto
Click below : A podcast from The Religious Studies Project where they interview Robert Orsi about Otto.. RSP37-Orsi.mp3 Rudolf Otto was a highly influential figure in the history of Religious Studies, but whether that influence was for good or not…
Plato's Forms? What is this theory and why study it?
Dr William Large answers a (stupid) question from me: Why bother studying Plato's Forms?
Appearance, Reality and Plato's Cave
Dr William Large on the ideas of appearance and reality in Plato. He discusses the metaphor of the cave in Plato, and what it means…
Tri-Partite Soul and State in Plato
Dr William Large on the tri-partite person, and the equivalent in the State – as in Plato's Republic
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Dr William Large on the connection between virtue and knowledge in Plato


DrilliumDude is taking a break - focusing on university - BFing it a little less.
Life can be full (hopefully).
The bike lives but we all need balance.
I'll volunteer to be the one to revive this thread in 2021. Anyone for 2023?
Does anyone know when he let his website go dark?
These days, I am afraid to ask. Unfortunately, this song comes to mind when I see a thread like this.
Jesus, the last time I heard that song was on WNEW-FM about 2AM fleeing from a street race in Yonkers.
If you want to hear stuff like that again, tune in to WNRN Les Temps Perdu on Sundays from noon to 2. That station has some great programs.
Probably a few of us had life get in the way. When I sold the old house in Montpelier two years ago, my riding took a fair hit, my wrenching took a severe hit due to lack of dedicated space. At least I'm back wrenching again and the pace is picking up. I'm starting to feel guilty regarding the Rossin and PX-10 frames that have been sitting since '14, waiting for me to start digging up parts and putting them back on the road - finally.
Jeezus, I wrote that on 24 May 17?!?!?!
For the record, I'm finally back riding regularly (cold weather, I'm keeping myself to 10 mile stretches on the Raleigh Tourist in street clothes, will get the serious road bikes and funny clothes out in about 6-8 weeks); I FINALLY have the shop put to where I want it to be, and tomorrow is my first day in the shop where I start working on the last four years worth of backlogged projects.
Boy, it's been a long, slow trip. What I've got isn't quite as nice as the shop I had in Montpelier: I have to share the garage at night with the wife's car, and it's not the dedicated, tight, insulated building that I used to have, but it'll work just fine. I'm finally retiring from the Honda/Yamaha/Can-Am dealership at the end of March (been down to three days a week for the past couple of years), so Syke's Cyclery is going to reopen as something resembling full time once I'm retired. Well, full time, as long as I don't have a baseball game that afternoon. And start doing pre-1950 restorations as I find the bikes to work on. Currently doing a 40's-something Rollfast girls middleweight just to get my chops up. Figure it'll be a money loser, but I need the challenge and learning experience.
Most importantly, the PX-10 and Rossin RL are finally coming off the barn wall - initial parts have been sourced, so something finally going to get done with them after five years.
OK, now where's Sixty-Fiver at? Hope he's OK.
Still kicking... although not as high as I used to.
Last I heard, he was working as a Realtor with his wife in the Troy, Mi area. He had all the bikes he needed and could find time to ride. Plus he was into vintage guitars.


One of the most personal decisions golfers make when customizing their clubs is which grip to install. And what could be more personal than a fingerprint?
That's the thought behind Lamkin's new Fingerprint surface pattern found on the TS1 and Sonar grips. Put your hands on them and you'll feel the tackiness of the underlying Genesis material (more on that later) and the mesh of the Fingerprint pattern with your fingers. Lamkin has been working diligently in the labs, and with pro and amateur testers to bring technologies like Fingerprint to market.
AmateurGolf.com members have been an important part of the "feedback loop" on these grips, so I'm going to include some of their comments in this article below. We sent them grips and took their comments directly as part of our Equipment Panelist program.
TS1's reduced-taper shape is Tour-inspired. Top pros have been putting "extra wraps" on the lower part of the grip for years -- it helps reduce excess grip tension for a more fluid swing.
"Beautiful grip. Great feel with driver and mid irons. I hit balls with and without a glove on, with no sluppage whatsoever. I will be re gripping my clubs with these."
"I like the feel of the grip. I felt my grip pressure was lighter do the the design of less taper. This help with making a smoother swing."
The proprietary Genesis compound used in TS1 is exceptionally durable and maintains a consistent feel in wet weather, or those hot and sticky summer days.
"Have used the TS1 for 3 rounds and it is not only good looking but feels solid and the feedback is excellent. I play in hot and high humidity and the grip was very good in those conditions. So far, very satisfied."
"We had a lot of rain in Charleston and I was happy with the grip even playing in a light drizzle. Will keep these in mind when ordering new grips for my next set."
"I could feel/appreciate the tech within the grip, which worked with the contours of my hand/grip better than any grip I've tried. I could distinctly feel how each part of my hand was attached to the club. I think this is important when trying to create a seamless connection between the body and club. The grip certainly encourages hand unity, comfortable and confidence."
We took some time out recently with Bob Lamkin, the third generation Lamkin family member to run this 90-plus year young business.


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Maryland Women's Basketball
Maryland women's basketball vs. UConn preview: Terps host 4-time defending champs
It's the most anticipated game of Maryland's season.
By Thomas Kendziora@TKendziora37 Dec 28, 2016, 11:34am EST
Share All sharing options for: Maryland women's basketball vs. UConn preview: Terps host 4-time defending champs
Brad Penner-USA TODAY Sports
The Maryland women's basketball team has had a pretty successful 2016-17 season thus far. Perfect, in fact. The Terps are 12-0, ranked No. 4 in the AP Poll and No. 3 in the Coaches Poll. They have two wins over ranked teams—Louisville and Arizona State—under their belts. Their senior leaders, center Brionna Jones and guard Shatori Walker-Kimbrough, have played like All-Americans.
The Terps host Connecticut to round out the non-conference slate Thursday. In case you haven't heard, UConn has won the last four national championships, hasn't lost in 25 months and remains the unanimous top team in every poll.
This is obviously an important game for Maryland's season. It should help prepare them for conference play, serve as somewhat of a warmup for the intensity of the postseason, and it will allow Brenda Frese to see how her team reacts to playing a blue-blood like this.
But this game is not about Maryland, and it was never going to be. This game is about UConn, and its quest to maintain indisputable dominance over the whole entire sport.
This was supposed to be a down year for the Huskies. The players that led them to four straight national titles—Breanna Stewart, Moriah Jefferson and Morgan Tuck—all left town, going 1-2-3 in the WNBA Draft. Geno Auriemma was left with nothing but a bunch of high-upside youngsters, none of whom were more than role players last season.
But Auriemma is a coaching wizard unlike any other, and those players have developed in a way that's completely unreasonable to expect, even somehow still not all that surprising. Down-year UConn has beaten Florida State, Baylor, DePaul, Notre Dame and Ohio State already.
The Huskies' winning streak is at 86 games. The college basketball record is 90, held by…yes, UConn, from 2008-10. If they can hold off Maryland, that record is all but certain to fall. No. 21 USF visits Storrs on Jan. 10 (in the potential record-tying game), but the Bulls shouldn't give UConn a scare. No. 6 South Carolina awaits on Feb. 13, but by then the streak would be at 99, and the Huskies would be looking at triple digits.
The Terps will pose a real threat. They have the size, the star power, and the depth necessary to topple this team. They'll need to have their most flawless game of the year, which is asking a lot, but it's possible.
The game tips off at 6 p.m. ET Thursday on ESPN2.
No. 1 UConn Huskies (12-0)
2015-16 record: 38-0, AAC champs, national champs.
Head coach: Geno Auriemma is in his 32nd season at UConn. He's been pretty successful: 966 wins, 11 titles, 17 Final Fours and six perfect seasons. He was enshrined into the Basketball Hall of Fame in 2006, then won six more titles after that.
Players to know
Katie Lou Samuelson, sophomore, forward, 6'3, No. 33. A year after being the nation's top recruit, Samuelson has blossomed into a true offensive weapon. She averages a team-high 20.6 points per game and shoots an astounding 47.4 percent from three on over seven attempts per game. She doesn't play inside much for someone her size (4.1 boards a game), but the team doesn't really need her to.
Napheesa Collier, sophomore, forward, 6'1, No. 24. Collier was an exceptional rebounder and defender last season, and has taken full advantage of the extra shots now available to her, making 62.6 percent of them. The sophomore averages 19.6 points, 8.1 rebounds, just over two steals and just under two blocks. She was the most important player in the Notre Dame game, as the Huskies were outscored 22-15 with her in foul trouble during the second quarter but were plus-18 for the rest of the game.
Kia Nurse, junior, guard, 6'0, No. 11. The third-year starter has played 35.1 minutes per game, and while she doesn't lead the Huskies in any major statistical categories except free throw percentage, she does everything well. She'll probably be the one hounding Walker-Kimbrough on the wing.
Gabby Williams, junior, forward, 5'11, No. 15. One of the nation's more impressive all-around players leads the team with 8.2 boards, 4.6 assists and 2.8 blocks per game, along with 10.4 points. Williams plays mostly in the post despite being shorter than some wing players, but she makes it work.
Crystal Dangerfield, freshman, guard, 5'5, No. 5. The top point guard prospect and the nation's No. 3 overall recruit has adjusted to the college game pretty quickly. She's started UConn's last three games, although playing with the first unit has hurt her scoring numbers a tad.
Saniya Chong, senior, guard, 5'8, No. 12. One of the team's only two seniors (and the only one in the rotation), Chong started the team's first eight games before missing two; Dangerfield started when she returned against Nebraska, but Chong played 28 minutes. She nailed the three that served as the dagger late in last year's matchup.
Natalie Butler, junior, center, 6'5, No. 51. The only traditional center in the Huskies' rotation. Butler was teammates with Brionna Jones on the Fairfax Stars on the AAU circuit, and will likely match up against Jones when she enters the game. She plays only 17 minutes on average, but hauls in nearly five rebounds per game.
Shooting. The Huskies have a .490/.418/.781 shooting line that would be enviable for an individual player, let alone an entire team. They hit 7.6 threes per game, with Samuelson the most potent threat from deep.
Size. UConn will have a size disadvantage in most matchups Thursday, and the Huskies play without a traditional center more often than not. That's fine against most teams, and they might get away with it against Maryland if the Terps aren't sharp, but Brionna Jones will surely have her chances. She dropped 24 on Breanna Stewart last year, and could easily surpass that total this time around.
I've unofficially had Maryland in this game for a long time. The Terps have home-court advantage and their most talented team in years. Plus, the Huskies are still young. I still believe in Maryland, but with the way both teams have played recently, I'm just not as confident as I was.
UConn wins, 77-73.
No. 17 Maryland women's basketball vs. Rutgers preview (part two) The Terps will look to keep things rolling in New Jersey after a convincing win over Northwestern.
Terps in the NFL: Three former Terps advance to conference championship games Here's how former Terps performed in the Divisional Round of the 2021-22 NFL Playoffs.


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Vikki Ziegler, host of Bravo's "Untying the Knot" Creates Divorce Dating App
BELLA New York MAGAZINE | October 13, 2015	| Reply
Vikki Ziegler, star of the hit Bravo television show "Untying the Knot" and one of the nation's foremost experts on divorce, announced the launch of Divorce Dating, a free downloadable app and multi-media platform devoted to the largely overlooked needs of divorced people.
Divorce Dating (http://divorcedating.com/) is the one of the first online relationship sites devoted to the unique needs and interests of divorced people. Vikki Ziegler, host of Bravo's "Untying the Knot" and one of the nation's foremost experts in divorce, has created an easy-to-use downloadable app that's free, fun and full of possibility. You can be one of the first to test the brand new dating app by signing up here!
A child of divorce herself whose first marriage ended before she found love again, Vikki is a tireless advocate, voice and thought leader for the divorced community, with an understanding of the unique sensitivities and perspectives that those who have been previously married bring to dating life.
"When someone gets divorced, they don't think of themselves as single. They are divorced, and that carries with it a set of experiences and emotions that only other divorced people can understand," Vikki said. "Although divorce is never easy, you can use it as an opportunity to grow and figure out what you want in your next relationship. That's my mission for Divorce Dating, to create a positive and uplifting relationship space that puts a bounce in the step of every divorcee. With Divorce Dating, it's time to remember that feeling."
Vikki is a nationally known and respected celebrity divorce attorney, law school professor, published author and television personality. Her show, Bravo's "Untying the Knot," debuted in 2014 and was an immediate hit, with the second season scheduled to begin on November 8th. The upcoming season marks a significant expansion from the first, as each episode is increasing from 30 to 60 minutes, and the total number of episodes from six to eight.
Tags: BRAVO, divorce dating app, untying the knot, Vikki Ziegler
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We have had a substantial number of emails and a marked traffic increase since the pinner collection auction's mentions on our site that signify the publics interest in what we had to say about the offerings, the way the sale was organized and your role as auctioneer and cataloguer.
Should you decide not to respond to this invitation, which was publicly posted on RK.com simultaneously with the sending of this email to you, it will be clear to all concerned your reticence to do so is based on the grounds you accept what has been said.
Please note : RK.com is an open, unmediated forum and rest assured whatever you chose to submit will be uncensored and untouched. Of course, we will be glad to comment about any points you might raise in our usual unfettered and unbiased manner.


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Марко Кон (Београд, 20. април 1972) српски је композитор, текстописац, аранжер, продуцент и извођач забавне музике. Заједно са Миланом Николићем, представљао Србију у полуфиналу Песме Евровизије 2009. у Москви са песмом Ципела.

Биографија
Кон се родио у Београду од оца српско-јеврејског порекла и мајке Српкиње. Cвој први музички састав основао када му је било девет година. Његов деда, Андрија Ернест Кон, био је резервни официр Краљевине Југославије, а стриц му је познати српски епидемиолог др Предраг Кон. Свира кларинет, фрулу, саксофон, гитару, бас-гитару и бубњеве.

Марко Кон је аутор бројних песама са Александром Копцем. На званичном сајту "Европесме" они су описани као "један од најуспешнијих тимова у српској забавној музици". Кон је (до 2009) написао преко 800 песама забавне музике и певао пратеће вокале на преко 1.000 аудио-снимака. Био је један од аутора текста за песму "Луди летњи плес", са којом су Фламингоси и Луис победили на Беовизији 2006 (види и Европесма-Еуропјесма), и копродуцент и коаранжер песме "Заувијек волим те", са којом је Стефан Филиповић представљао Црну Гору на Песми Евровизије 2008. у Београду.

Конов победнички наступ на Беовизији 2009. са песмом "Ципела", за коју су музику радили Кон, Кобац и Николић, а текст и аранжман Кон и Кобац, био је његово прво представљање публици као водећег певача. Песма је победила у укупном збиру са 19 поена, као фаворит жирија и четврта у гласању публике (7,4% гласова). Кон је изјавио да је песма настала око годину дана пре Беовизије, и да је првобитно имала другачији текст са насловом "Нос". На Песми Евровизије 2009. планиран је био наступ у истом саставу као на Беовизији, са Миланом Николићем (хармоника), три плесача и пратећа вокала (Љубиша Динчић, Игор Кнежевић, Јован Сејњановић) и Катарином Громилић, балерином. Песма ће бити снимљена на енглеском, француском и руском језику.

Николић и Кон су заузели 10. место у другој полуфиналној вечери Песме Евровизије 2009. у Москви и нису се пласирали за наступ у финалу.

Извори

Спољашње везе
 Марко Кон на Фејсбуку
Победнички наступ на Беовизији 2009, на званичном мрежном месту Радио-телевизије Србије
 Марко Кон спрема трбушњаке за финале ("Блиц", 11. мај 2009)

Рођени 1972.
Музичари из Београда
Српски композитори
Српски поп певачи
Српски гласовни глумци
Представници Србије на Песми Евровизије
Учесници Песме Евровизије 2009.
Учесници Беовизије
Српски Јевреји

redpajama_set_name: RedPajamaWikipedia


I thought this was neat and worth posting. Using his Extensive die-cast car collection and forced perspective, Model Enthusiast and Photographer Michael Paul Smith creates some incredibly realistic photos. Check them out.


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Q: Login window doesn't pop in Chrome when requesting HTTPS I have an application that communicates with HTTPS services that require login.
On every browser other than Chrome (v 22.0.1229.94) once the HTTPS request is made, a browsers own login window pops and asks for authentication.
As you might have guessed, in Chrome it doesn't happen and all the HTTPS requests return 401. If you go directly to such request, however, the login window pops and once logged-in, retrieves the response properly.
Is that a limitation of the Chrome internal flash plugin or is it something else maybe?

A: Apparently the login popup is blocked when the requesting application runs on a domain different from the one of the requested service.
When domains match, everything's working fine. For other cases - use Firefox.

redpajama_set_name: RedPajamaStackExchange


← Solutions To All Your Fitness Needs Are Right Here!
Many people think that in order to reach their fitness goal they must go and lift weights at a gym. When it comes down to it, you only need to implement push-ups, leg raises, pull-ups, squats, handstand push-ups and bridges to maintain all of your muscles.
TIP! Grow your own garden. Gardening is a great workout.
A lot of people are clueless on how to start out on their fitness journey. Fortunately, this informative article is packed with useful ideas for anyone who is considering a fitness program. If you're ready to be successful when becoming physically fit, then use this advice to your advantage.
One way to improve your fitness is calorie counting. By counting the calories you consume each day, it can help you lose weight. By eating fewer calories each day and burning them off through exercise, soon enough you will be fit.
TIP! Mix up workout routines with plenty of different exercises. As odd as it sounds, this will help you avoid starting a routine in your routine; thus keeping things fresh and lively, always coming back for more.
If you are just starting a workout routine you should consider a one time consultation with one of the gym's personal trainers. The trainer will tell you how to reach your goals and you will be able to focus on areas you need help in. It is hard going to the gym to start a new workout, especially by yourself. Do not go at it alone. You can have a professional trainer help you through it. You will be able to start a great plan that you can hold on to.
Don't put all of your efforts into doing only crunches when working out abdominal muscles. You should not waste your time with crunches if you are trying to lose weight, it takes a quarter million of them to lose a pound! So, if you're only doing crunches, you aren't doing as much work as you could be. This is why you are going to want to do a wide variety of abdominal workouts.
TIP! The best way to avoid injury when walking for exercise is to you proper form. Always maintain an upright position with your shoulders held back.
Choose a fitness plan that involves activities you enjoy, and that are likely to sustain your interest over the long run. It's extremely important that you enjoy the activity, so that you won't see working out as drudgery.
Try exercising during TV shoes to keep yourself going. You can use commercial breaks as opportunities to workout. Lift small weights instead of vegging out on the sofa. There is always another opportunity to get some more exercise in.
TIP! Simple rule for working out to build your body: Fewer reps with heavier weight will build more muscle mass. Select a certain muscle group and begin your routine.
Join a gym and pay your dues in advance. You will feel very guilty about spending the money if you do not use the club, which will cause you to attend rather than skip out on it. Fitness clubs are expensive and should only be used if your budget allows.
Your core affects the way you perform nearly every exercise. Strenghtening your core will help improve your balance and make it easier to perform other physical activities. Sit-ups are quite healthy and will assist you in building a solid core. Doing situps also makes you more flexible. Larger range of motion means a more difficult and rewarding workout.
TIP! Always wear appropriate gear on your feet when you work out. When you don't wear shoes specifically designed for the activity you are doing, you are risking injuring your legs and feet.
Build your thigh muscles to protect your knees. Located behind the kneecap, a torn ligament is a very common injury in sports. Target both your hamstrings and your quadriceps to ensure that your knees have enough strength. Try performing leg curls and extensions.
If you come down with an illness, skip your workout. When you're sick, your body is trying to heal itself. It's unlikely that you will add muscle to your frame or have the stamina for a workout while you're under the weather. This means that you should stop exercising until you feel better. While you wait, consume plenty of nutritious foods and make sure you get a lot of rest.
TIP! In order to maximize your endurance and speed, it is necessary for you to train as a Kenyan would. Kenyan runners begin their training with a slow run for one third of the total running time.
If you truly want to do everything in your power to get into shape then you are going to want to invest money into hiring a personal trainer. Professional trainers have insight and training that will help you do the exercises properly and help motivate you to keep working towards your goal. Even though personal trainers aren't everyone's cup of tea, they can really help you out.
If you have a muscle sprain, it is imperative that you ice the area. The cold will alleviate swelling and redness. Elevating the sprain to ensure proper blood flow is also vital. Use a rag or towel to place the ice in before putting it on your body.
To make bicep curls more challenging, bend your wrist backwards. You should bend the wrists back and do the bicep curl this way. This might not feel right when you first do it. However, your body will acclimate in time.
TIP! Instead of using a traditional office chair, you can try using an exercise ball for part or all of your working day. Do not use this option if you have a hard time balancing on the ball.
A basic workout to build muscles is to lift heavier weight but complete fewer reps. Choose the muscle group you want to work. Perform a warm-up set, which is lifting easier weights at first. Pick weights you can do around 15 to 20 reps with. Regarding your second set, you should select a heavier weight where you do about 6 to 8 reps. When you are on your last reps you should add five pounds.
Involve your pet when you workout. Pets need to get exercise too, and most dogs are always up for a walk. Research indicates that more than one-third of pets are heavier than they should be, so exercising with a pet can help both you and your pet. Taking a power walk with your pet has benefits for both of you.
TIP! Running can help your overall fitness. Running will help you get your fill of oxygen, which will benefit your brain and muscles.
Set a schedule for yourself if you're having difficulty committing to exercising. Try to set a number of exercise times each week, then do your best to never break the dates. Try a "make-up" day to make up for a missed workout.
It can be helpful to commit yourself to working out at a fixed time of day if you find that you often make excuses to yourself for avoiding exercise. When all is said and done, it will be easier to decide whether your concerns were justified. Typically, excuses are simply acts of laziness.
TIP! As soon as you finish your workouts, drink some milk. This creamy, tasty dairy product gives you the protein you need after a workout.
Devote a few minutes of every day to finding new ways to work exercise into your daily routine. A small modification to your daily routine could burn a few extra calories, such as taking the stairs instead of the elevator.
Devote a portion of your "extra" money to exercise equipment. That investment will help you feel committed to being fitter, and is super-convenient for you to exercise. Shop around for the best price and get a good deal. You should also ensure that the piece you acquire is of the highest quality so it can last you a good long time.
TIP! Dive bomber push-ups are great for body-sculpting and overall flexibility. When attempting dive bomb push-ups, put both hands and both feet on the floor, and keep your back arched.
Remove refined sugar from your diet entirely for a healthy lifestyle. If you believe you have a sugar addiction, you probably drink soft drinks. By removing soft drinks from your diet, not only will you have a healthier diet, but you will be on your way to a healthier lifestyle.
TIP! Think about consulting with a medical professional, such as a nutritionist, before setting fitness goals. Nutritionists are fairly inexpensive for a one-time meeting to have your questions answered.
When trying to pursue your fitness goals, a great tip is to pay your trainer before you start working out with him or her. If you do so, you increase the chances of you going through with all the sessions you planned as compared to paying for them individually. The reason is that you have already turned over your hard-earned cash. You want to get the most out of your hard earned money, this is why paying things off beforehand works.
There are still a lot of benefits to older exercises that focus on strengthening you core. When you do sit-ups, you strengthen your core, your back muscles, and your abdomen. You also become much stronger and more efficient in the performance of most other exercises.
You need a plan to be successful at becoming fit. Use the ideas in this article to formulate a plan, and start on the road to health and fitness. Not knowing where to begin is no longer an excuse. The tips you have read here should help you on your journey.


For some reason I can't view the LC pics.
Could you share the URL where you found them?
Having survived outdoors so long, it must not be wood.
I just looked at a photo at history.navy.mil, and it looks like unpainted metal- My guess is bronze. and that it was gilded in 1907.
It looks very "carved," but I think that is due to how the sand casting was made from wooden "masters."
It doesn't look as "integral" to the bow as your Brooklyn pics, esp. as it came off as a unit in ~1911.
As to the varnished bridge- maybe it was replaced during a refit... or maybe swabbies just love to scrape paint!
I'm on my third prototype for main gun turret mechanisms and mountings.
My pile of scrap metal is growing :) Should have the basics of a useable unit by end of week. Biggest problem at the moment is figuring out how to make the guns "accelerate & decelerate" when they swing for a "realistic effect".
Right, I'm sorry about the huge delay here, but I was at the other end of the state at Merlefest (big bluegrass and folk music festival in Wilkesboro, NC).
I will add more waterlines to drawings.
Have you thought about electronic rather than percusive firing?
I like the big photo showing the turret for its detail showing the little sighting loophole is made weather-tight by a little cord and an outer stopper. I find such details the most fascinating sort -- and they are hard to come by.
Sadly, there are so few shots that show interior spaces and fire control details of these sort of ships.
What do you think are the 3 small devices in the conning tower view slits? Similar devices for sealing out spray? In the RN, slightly later, these might have been bearing plates or torpedo directors.


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Resultados do Grande Prêmio do Canadá de Fórmula 1 realizado em Montreal à 12 de junho de 1994. Foi a sexta etapa da temporada e teve como vencedor o alemão Michael Schumacher.

Resumo
Andrea de Cesaris disputou sua primeira corrida pela Sauber como substituto do lesionado Karl Wendlinger.

A Simtek correu apenas com um carro após a morte de Roland Ratzenberger e as lesões de Andrea Montermini.

Erik Comas foi o primeiro piloto punido por excesso de velocidade no pitlane.

David Coulthard marca os primeiros pontos de sua carreira.

Classificação da prova

Tabela do campeonato após a corrida

Classificação do mundial de pilotos

Classificação do mundial de construtores

 Nota: Observe que somente as cinco primeiras posições estão incluídas nas tabelas.

Canadá
1994
Desporto no Canadá em 1994


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New Mexico Business
Lights, Camera, Action: New Mexico's Film Industry's Starring Role
Film and digital media production finds a location in New Mexico
By Bill Lewis on May 7, 2019 11:51 AM
Photo by Nathan Lambrecht
New Mexico has emerged as a center of film and digital media production. Direct spending from film production done in the state totaled more than $750 million over the past two years.
And that figure is sure to grow thanks to Netflix, which chose Albuquerque as the site of a new U.S. production hub. The streaming service and content producer acquired ABQ Studios, where it will produce film and television series as well as at locations around the state. Netflix plans to bring $1 billion in production to New Mexico over the next 10 years, creating up to 1,000 jobs.
New Mexico has served as a location for a string of major motion picture and television productions including The Avengers, No Country for Old Men and Breaking Bad. The Netflix apocalypse dramedy Daybreak, supernatural drama Chambers and suspenseful drama Messiah have created jobs for 700 New Mexican crew members alone.
iStock Photo/SharonFoelz
Discover New Mexico
It isn't called the 'Enchanted Region' for no reason!
New Mexico offers one of the most competitive incentives package in the industry, which includes a 25 or 30 percent Refundable Film Production Tax Credit and the Film Crew Advancement Program.
The state is also drawing investment from digital media companies, as well. Ganymede Games, a company formed by video game veterans Jerry Prochazka and Lynn Stetson, selected Las Cruces as its headquarters in early 2019.
Las Cruces' international reach – it is about an hour from El Paso and the U.S.-Mexico border – expanded the talent funnel for Ganymede. Las Cruces is home New Mexico State University and Doña Ana Community College, and the company also expects to recruit at New Mexico Institute of Mining and Technology, about two hours north of Las Cruces.
"We left the high cost, noise and density of high-tech cities when we discovered Las Cruces, which is affordable, offers a higher quality of life, and now we have plenty of wilderness to explore both in-game and out-of-game," Prochazka says. "The affordability allows us to maximize value to our investors with an experienced, world-class team."
Bill Lewis is an award-winning business journalist whose work has appeared in publications across the United States. Bill's experience includes serving as a Capitol Hill reporter a... more
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Yesterday was nothing short of a miraculous day. It is ironic that it also happened to be my birthday.
Every year we do our Christmas shopping early; around late September to early October. We have enjoyed using the layaway process, that way we can get what we want before the stores are wiped out. It also allows us to budget the payments into our finances. There really isn't a downside to layaway.
I called the store and asked the person on the phone to look into it. She said, "This is weird, I am on the other line with another lady who says the same thing happened to her. Let me find out what's going on, just a minute please".
I waited for a few minutes and she got back on the phone, "Okay I am going to transfer you to Laura because she knows a whole lot more about this than I do." I said okay and then waited some more.
Then Laura answers the phone, "Thank you for calling how may I help you?" I explained to her that my layaway said it was paid off, but I did not pay it.
Then we talked about pick up and what not.
In a time when our world seems so messed up, like nobody cares about anyone but themselves anymore. There are still phenomenal people out there. This is why I love Christmas. This is the Christmas spirit I am talking about. Strangers helping strangers for no reason.
The good news is, now I have a higher budget for my community project that we are going to be doing. I am so excited!
I don't know who these ladies were, but I would hug them if I could. I would like to thank them for showing me that there is always good people around. I would like them to know their generosity is allowing me to pay it forward more than I was originally able.
That, is the meaning of Christmas.
You deserve this! What a miracle! That is awesome.


Welcome to Becoz.org, my homepage! You'll find here some pages about BeOS, and my PhD thesis.
BeOS is an operating system made by Be, Inc., a company now gone. BeOS is still one of the simplest and yet powerful system. Several alternative systems, such as Zeta OpenBeOS or Blue Eyed OS are in development.
Most pages exist in two languages. You can switch between them using the little flags on the top right hand side. The links on the left can be used to navigate in my site. Have fun! If you have any comments, you can send me an email.


TD Bank branch in Chinatown in Washington, D.C. on 7th street.
64 percent of finance and treasury professionals do not view digital currencies as a legitimate form of digital payment, according to the recently released results of a survey conducted by TD Bank at the 2018 NACHA PAYMENTS Conference in San Diego, California, back in May.
According to a press release CoinReport received from Prosek Partners, TD Bank's communications consultancy, 4 percent of the respondents selected controversy around digital currencies as the biggest hurdle facing payments innovation today.
The survey reportedly collected responses from 390 finance professionals on industry trends and outlook.
42 percent of the financial experts surveyed cited incorporation of immediate/real-time payment function within online banking as the leading technological innovation that will have the greatest positive impact on the industry over the next 3-5 years.
36 percent cited the need to update legacy infrastructure within corporations and/or smaller banks.
20 percent envisage artificial intelligence and machine learning creating positive change in the industry.
Cherry Hill, New Jersey-headquartered TD Bank is one of the 10 largest banks in the U.S., providing more than 9 million customers with a full range of retail, small business and commercial banking products and services at more than 1,200 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. The bank is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges.


Appliance University approach is to help ex-offenders repurpose street skills in ways that enable self-employment in appliance service and HVAC/R industry. Employment reduces recidivism among formerly incarcerated men and women. Ex-offenders who are unable to find work are three to five times more likely to commit another crime than are those who find employment. Beyond providing a paycheck, employment builds work experience, expands skills, and gives the former prisoner a chance to successfully reintegrate into society. Occupational and vocational training programs help inmate to Re-Entry into the Mainstream Labor Market.
Vocational education programs are also offered at several institutions to provide training so that upon release, inmates can find employment in trades. Cut recidivism by only 10%, we'll save more than $62 billion a year, money we now pour down the national drain.
Teach appliance service and HVAC/R industries technicalogy.
INSTITUTION EDUCATION SUPERVISOR FACILITATE CLASESS THAT TEACH appliance service and HVAC/R industries technicalogy.
Appliance service and HVAC/R industries technicalogy occupational and vocational training programs are based on the needs of the inmates, general labor market conditions, and institution labor force needs. An important component is on-the-job training, which inmates receive through institution job assignments and work in Federal Prison Industries. Appliance University Approach is to help the Bureau to facilitates post-secondary education in vocational appliance service and HVAC/R industries technicalogy.
Easy to follow text book and study vourses in hanced by Appliance University's DVD tutorials.
FEDERAL CORRECTIONAL INSTITUTION, use Appliance University major appliances and HVAC/R tutorials and instructional books for their of occupational Vocational Training (VT) programs educational center.
FCI Educational Centers Beckley, WV.
Appliance University Technical Training DVD Videos teach how to properly diagnose, and repair major kitchen and laundry appliances through our training tutorials. These DVD videos are presented by the major appliance industry's best known technical writer and instructor, Jim Johnson, and others. These how to videos along with appliance service manuals, are comprehensive training programs which give specific service procedures for major appliances, taking you step by step through the design, operation, and specific repair procedures. Learn how to diagnose a motor that will not run, and learn how to disassemble components. These videos cover safety, theory, operation, and troubleshooting, so skills can be upgraded. Appliance University courses are a 10th of the cost of one day in a workshop or semester length course for one technician. And once the video is part of a company's library, it can be used whenever it's convenient, and can be used over and over again.
By MAJOR APPLIANCE DISTANCE LEARNING STUDY COURSES Distance learning Appliance Repair. Learning appliance repair programs show you how to start a career as an appliance repairman. These programs are designed to help you learn firsthand how to repair all kinds of appliances, by brand or type.5 COURSES BUNDELWith all five Appliance Vocational Courses: ELECTRICAL, REFRIGERATION FUNDAMENTALS, REFRIGERATION & FREEZERS & Room A/C, COOKING EQUIPMENT, LAUNDRY & KITCHEN that are designed for the major appliance service professional committed to excellence. . . You'll learn it all at home, you can complete the course as fast as you want, no classroom needed!  Robert J. Sampson and John H. Lab, Crime in the Making: Pathways and Turning Points through Life (Cambridge, Massachusetts: Harvard University Press, 1993). Matthew C. Sonfield, "Entrepreneurship and prisoner re-entry: the development of a concept," Small Business Institute Research Review35 (2008).


text:
The World Economic Forum is a good platform for Nigeria
Q: What are the benefits of Nigeria hosting the World Economic Forum for Africa this year?
A: In spite of our various challenges, I think it is important for the country to continue to play a leading role in Africa. As the largest economy in the continent, we have the critical responsibility in lifting the prosperity of the continent. A lot of the investor interest in the country – both portfolio and foreign direct investment – will have a good opportunity at the World Economic Forum to see Nigeria, interact with Nigeria and Nigerians, especially the key decision makers. WEF will also provide us the platform to welcome some of the key players from other parts of the world to the country. We should also use this opportunity to strengthen our relationships and links with decision makers in the global economy.
Q: With over $500 billion in GDP, Nigeria has recently become the largest economy in Africa due to the recalibration of the GDP. How did you receive this?
A: The whole idea of rebasing the GDP is to give us a more accurate account of the size of our economy. This means that before now we were underestimating the size of the economy. We have also been able to determine the make-up of the economy, and we can see that it is a lot more diversified than we knew. Previously agriculture was said to be over 40% of our GDP, it now seems to be less than that; on the other hand, the service sector is now a lot more prominent component of the economy than we previously thought. A more accurate account of the make up of the economy means that we should have a better idea of how best we can allocate resources. As bankers, we can now see clearly where we should choose to lend because the larger a contributor to the GDP a sector is, the more support it should get ideally. I think also that as our economy has become larger, it should also be more integrated into the global economy; and so we should now receive a lot more attention from the global players. And the more integrated we are into the world economy, the more prone we are to volatility. So global shocks will affect us now more than it would when we were perceived to be a smaller economy. As the largest economy in the fastest-growing continent of the world, a lot of foreign investors' interests are coming towards Nigeria. Every global investor should be asking themselves: Do we have a Nigeria strategy? And as I said, the implication of that should be more integration into the global economy.
Q: In that case, which in your assessment are the most attractive investment sectors in the Nigerian economy today? If, as people are saying, electricity is the next big thing, what are the others?
Certainly power is big investment opportunity for the astute investor. We also have oil and gas which also remain very attractive despite the challenges in that area. The divestment of the oil majors from the marginal fields and onshore fields now offers new opportunities for Nigerian and foreign investors. Our huge population is a good market for areas like building materials like cement, retail services (such as supermarkets and e-commerce) and consumer goods. We are also seeing agriculture gaining momentum with the support it is receiving from government policies. So for me, the top five areas to invest in are: consumer products, agriculture retail services, oil and gas and power.
Q: Where is the banking industry now especially in terms of contribution to the GDP?
A: Banking still remains a very important contributor to the GDP either directly or indirectly through lending to other productive sectors of the economy. Nigerian banks' credit to GDP ratio is improving at a rapid pace with loans growing faster than GDP. Our banking sector is also more and more inclusive. The micro finance banks are gradually getting their act together and extending credit to more and more people. The commercial banks are also lending to the SMEs. As a bank, FCMB is very active in retail lending – we give out like 250,000 personal loans every year. Of course, the corporate players – telecoms, oil and gas, manufacturing, etc - are constantly getting the lion's share of credit. So the contributions of the banking sector to the GDP are largely through its lending activities. The banks are also helping to make payment systems much more efficient as we move into the cashless economy. In the investment banking side, the broader financial service industry also has been active in helping to bring capital to support investment – whether it is mobilizing pension funds into long term debt, raising equity, etc. This long-term capital-raising is beginning to come back strongly. Last year, for example, Oando raised a significant amount of money through rights issue to fund the acquisition of Conoco Philips. We were involved as the lead issuing house. This year, again, Seplat in the same sector is listed on the London Stock Exchange after raising about $500m. Again we were involved as one of the lead brokers. So the banking industry oils the wheels of the economy from large corporates to households and so it will continue to be a key contributor to the GDP.
Q: Now that you've mentioned a few of your big ticket transactions, tell us about the success and challenges of FCMB in the last 31 years of its existence
A: We started from a very humble beginning as a merchant bank. Our key strength over the decades has been our resilience. The industry has witnessed a lot of turbulence but we have continued to weather the storm. With our dynamism, we have been able to evolve from a merchant bank to universal bank, then a commercial bank, and in recent times we have become very active in the retail banking. One of the things we take very seriously is that not only do we want to be pioneers; we also want to evolve with the economy. We are quick to make the best of the opportunities in the market. We've been able to display that and that's part of our resilience in the economy. If we were very rigid and stuck in our ways, we would probably not be around today. In terms of growth, clearly in the 20 years or so that we have operated as a merchant bank, we remained the most profitable investment bank until when we converted to a universal bank in 2001. I believe that, in the long run, although it would be much harder, we can replicate that in commercial banking by being the most profitable commercial bank in Nigeria. We've risen steadily to occupy the 8th position today.
Q: What of ROE (return on equity)?
A: In terms of ROE, we are not where we would like to be. The bank's ROE is about 14.9%. The Group is may be 1% lower than that, but we are inching steadily and next year we should cross 20% which is a critical threshold for an institution like ours. In terms of absolute profit, we are moving steadily up. In 2001 when we became a universal bank, our PBT then was may be less than $10 million (about N1 billion) at that time. Today, we are at above N18 billion, and with our Q1 results out, we are on course to significantly surpass that this financial year. So that is a very significant increase over the years. We are quite happy with the steady growth we have recorded over the years, but clearly there is a lot of work to be done.
Q: Is a lot of this growth from capital market businesses?
A: No. Not all. If you look at the composition of the income of the bank today, about 35% of our profit comes from retail business. Another 60% comes from commercial banking business (corporate, public sector and SME) and about 5% from investment banking.
Q: You should owe a lot of your successes to your heritage
Certainly yes. The foundation that we have is a very solid one. The continuing guidance that we get from the founders of the business is very invaluable. We are still privileged to have one of our early Deputy Managing Directors of the bank, who later became Managing Director, as our chairman today. He is Dr. Jonathan Long. And of course our founder, Otunba Balogun, continues to advise and guide us. So the solid foundation we have had and the continuity of leadership we have enjoyed have helped to add value for our various stakeholders.
Q: The industry also has evolved. Ten years ago, one of the critical challenges in the industry was dearth of expertise in certain areas of the business. What are the challenges now?
A: I think the operating environment continues to be challenging, the cost of operating the business is quite high. We are trying to manage that with technology and of course the cashless initiative is beginning to gain momentum. We are still seeing a concentration in lending going to the high-end corporates. I think we should do a lot more in two critical sectors – the SMEs and the mortgages. Right now, our mortgages are stunted by high interest rates. With the promotion of the mortgage refinancing company, I think we will see that sector gradually picking up. So if the mortgages pick up, I believe that the concentration in the corporate would be diluted. In matured economies where mortgages are well developed, the sector account for between 20%-30% of total lending. But here in Nigeria, it is less than 5%. SMEs should account for about 25% of total lending. But I'm not sure we have that in country now. Retail lending should also be a priority lending area. We are one of the few banks that support this critical sector very well. Our retail portfolio accounts for over 20% of our total loan book. By retail here I mean individual customers who borrow for personal and household consumption, and not the SMEs. Most banks do anywhere between five to 15%. We will continue to grow our retail portfolio until we get up to about a third of our total entire book.
Q: What's the attraction in the retail end of the market? Certainly, the risk is not low.
A: The risk is high, but we have over the years we have learnt how to manage the risk well. So for us the attraction is not low risk, but our desire to be an inclusive lender. We do not want to lend to just a few people. We want to support as many people as we can. In an annual basis, we support as many as a quarter of a million people, and usually 80% of those people are first time borrowers. So in every four or five years, we will be supporting a million Nigerians in terms of financial support. It gives me a lot of joy to realize that we are helping households across the nation to meet very critical needs.
Q: But what's the performance of the credits to that segment? What proportion is NPL (non-performing loan)?
A: The NPL in that segment is around 3%. This is quite low compared to other segments of the market.
Q: Our economy is beset with huge unemployment problems. What should government and businesses do to create jobs?
A: We need a concerted effort where everybody has a role to play. The financial services industry must become a lot more inclusive. We have to ensure that our services get to more and more people, smaller and smaller customers because the jobs we need in the country would not be created by big industry. It is the micro- and small enterprises that would cumulatively create the jobs we need to make a dent on the huge unemployment in the country. If we can get credit down to that segment of the economy, they themselves would become employers. Second, we should also target certain sectors that we know are labour intensive. Agriculture, for example, is such an important area that if we support it and grow it well, we can spawn a lot of jobs there from. We are involved, working with various partners, on a scheme that will create three million new jobs in the agricultural sector. We are focusing on farming and not just the value chain in that area. So in the next 15 years, we will help create 3 million jobs. We have a blue print on this and our role will be essentially financial support. What's more? This initiative is in northern Nigeria where people generally believe is not a place for job creation. As a country we must drive up export to create jobs for two reasons. One, export on itself creates jobs, two, if our export becomes bigger, our balance of payment improves and when this improves, our exchange rate stabilises and when our exchange rate stabilizes, interest rate will comes down. One of the reasons interest rate is high right now, is because we try to defend the naira. If we are to use tight monetary policy for a very long time, it will continue to stifle the economy because people's ability to invest is constrained when the prevailing interest rate is very high. So the more we have export promotion or import substitution, the better the exchange rate becomes and the better the balance of payment becomes. This can then bring down interest rate which can stimulate investments and create more jobs. As a bank we are supporting export business and local manufacture of goods that would substitute imported ones. This to us will benefit the entire economy and enhance the sustainability of our own business thereby it is actually at the heart of our business strategy.
Q: Is FCMB also supporting the power sector?
A: Yes we are. We have supported four of the privatisation transactions and we are also actively supporting three other power projects – both in the generation and distribution - outside of the privatisation.
Q: We will soon have a new CBN governor. Where do you think the new governor should focus on?
A: I think the central bank has limited tools with which it influences events in the economy. So ever so often, they use these tools to the fullest. In that regards, we cannot expect the central bank alone to stimulate growth in the economy. That has to be done in concert with other government institutions. The core function of the central bank is to maintain price stability which is essentially inflation and exchange rate. I think we will continue to see tight monetary policy. I will also like the CBN to continue to support the critical sectors of the economy. What Mr Sanusi did for the power sector, agriculture, aviation and other intervention initiatives were absolutely critical. He got a number of entrepreneurs to take those sectors seriously because of improved funding that were injected there from the intervention funds. A company like Notore, for example, would not be where it is today if it had not been for the long-term funding from bank of Industry which came of course through the support of the CBN. I therefore think that the critical and priority sectors of the economy should continue to receive the support of the banking industry and the CBN.
Q: Do we expect another wave of reforms and consolidation in the industry? We have had two major consolidations in the last 10 years.
A: I think we must always expect change. And we should always expect that change could be dramatic sometimes. Certainly in the banking industry, and indeed in the economy as a whole, I have come to acknowledge that we don't do things in small measure. I therefore think that the industry will continue to consolidate. There is actually a natural consolidation going on now with a large chunk of the market share of the industry in the hands of few players. Thus, those outside the few should continue to look for niches where they can continue to operate and deliver value to customers and shareholders. So to that extent there's a natural consolidation going on, maybe quite imperceptibly to some people. But if you're asking if there's a need for official policy to push this, I think I do not see a need for that because we do not have any issue with the health of the institutions. The industry is very healthy at the moment. If you look at the shock absorbers that have been built into the banking industry today, we actually have a very well fortified industry in terms of liquidity ratio at 30%, outside this, banks have another 25% of their deposits in cash reserves. So 55% of all industry deposits are either in liquid assets or cash reserves. This means that it would take an almighty run on the industry for us to go down. Also capital adequacy ratio has been raised for the international banks, of which FCMB is one, to 15%. Internationally this is between 8 to 10%. So the Nigerian banks operate currently with 70% to 80% additional capital over and above what you will find in most institutions globally. The cushion we have in terms of capital is also very healthy and a number of governance issues have also been addressed. So I think the industry is a very healthy place today, and so consolidation by fiat and regulation does not seem necessary by my reckoning.