How to stop selling financial services and start selling dreams

first_img 30SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Do you aspire to own a vacation home… or to own a second mortgage? Was your dream in life to drive a red sports car… or to have a low-interest car loan? Too many credit unions focus marketing dollars on discussing the features and product details of their credit union member services, rather than focusing on the benefits these features will provide. Yet, members aren’t looking for a skip-a-payment option, they are looking for the ability to take a summer vacation. Members will act on emotion, not logic. Your credit union can paint an emotional picture for members that speaks of the hopes, dreams and financial freedom. If done correctly, this will lead them directly to your products and services that will help them live their dreams. Consider these ideas in your next marketing campaign:Old way: “We offer wedding accounts.”New way: Picture of a father looking into the eyes of his daughter with the caption: “Give your little girl the wedding she has always dreamed of.”Old way: “Check out our great interest rates on car loans”New way: Present images of a shiny sports car and a brand new minivan turning different ways on a road: “No matter which way your life turns, we can get you there in style.”Old way: “Need a loan for your next vacation?”New way: Images of sightseeing in Rome, hiking a glacier in Alaska, laying on a beach in Mexico, and exploring Hong Kong: “Dreaming of a getaway? We can take you there.” continue reading »last_img read more

Long Island Sound Sicker and Healthier Than We Think, Study Reveals

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York This summer an important environmental study of Long Island Sound came out that could—and should—play a vital role in its preservation and provide a model for protecting other estuaries around the world. The findings surprised even the scientists working on the research, myself included. They underscore the remarkable opportunities and challenges affecting the Sound.I’ve studied estuaries throughout the nation and around the world, and Long Island Sound’s uniqueness not only makes it special but protects it in ways that should be more widely understood. In every other estuary—those places where freshwater meets saltwater—the head of the estuary is where the flow of freshwater is concentrated. With the Sound, the largest flow of freshwater is not at the head, New York City, but on the side near the eastern end, where the Connecticut River—the longest river in New England—discharges its waters between Old Saybrook and Old Lyme.What makes the Sound even more remarkable is that on its western end is one of the world’s most important megacities, and on its eastern end is “The Race,” where the tide races into Long Island Sound from Block Island Sound. Also notable are the contrasts between the shores of Long Island and Connecticut. Long Island is essentially a glacially deposited sandbar, while Connecticut is composed of rocky headlands divided by a series of rivers.Those differences, plus the shared dependence on the Sound, made it crucial to have organizations and individuals from both sides of the Sound engaged in the research—through funders, agencies collecting data and citizen scientists.The Long Island Sound Report Card was funded by the Long Island Sound Funders Collaborative and created by the University of Maryland Center for Environmental Science, where I oversaw the scientific synthesis. It is the result of collaboration—not only among funders but among scientific organizations on both shores of the Sound and among academic researchers and citizen scientists. That process and the report’s findings offer great hope for the Sound, which is unlike any other estuary in the world and yet can provide a reporting model for others.The Long Island Sound Funders Collaborative consists of a dozen foundations based on Long Island, in Connecticut and New York City, and beyond, convened initially by the National Fish and Wildlife Foundation. The LI-based foundations are the Long Island Community Foundation, New York Community Bank Foundation and the Rauch Foundation.Data was collected by agencies of both states as well as by the Interstate Environmental Commission and the federal government. The citizen scientists collected data on two geographic areas of particular focus: Inner Hempstead Harbor and Norwalk Harbor.We worked to build a consensus, so the report would reflect broad agreement on key findings and, therefore, convey an especially powerful and objective conclusion. What the report found was that “there is a variation from west to east of unhealthy (F) to healthy water quality (A). The Western Narrows is affected by the highly populated, suburban-urban communities surrounding New York City and scored the worst. Moving east from western Connecticut and western Long Island, the water quality improves. In the eastern Sound, the pollution is diluted by exchange with the Atlantic Ocean.”What surprised us is how quickly the water quality improves as you move from west to east. Before you even lose sight of the Manhattan skyline, the pollution has started to dissipate. That’s because of the input of freshwater along the Connecticut coast and the power of The Race. Together they flush the Sound intensively, leaving its eastern end in amazingly good shape.There’s still a lot of work ahead to improve and protect the Sound, but these findings provide reason for hope and optimism. The Sound still faces many significant challenges, but they have changed in recent decades.The Clean Water Act of 1972 and the Clean Air Act, passed in 1970 and subsequently amended, have reduced the pollution coming out of pipes: car exhausts, smokestacks, and sewers. Now we need to make progress on more diffuse sources, especially runoff from streets and other hard surfaces, residential landscapes and agriculture.Long Island soil is very sandy, and water flows readily through it, carrying toxics from septic systems and agriculture. Septic systems clean up household waste but do not remove nutrients, like excessive nitrogen, which cause pollution.New York City needs to focus more on the runoff associated with both storm water and rainwater. The hardening of urban surfaces makes it very easy for runoff to reach the Sound.Connecticut faces challenges reflecting its coastal mix of cities and towns. Its shore also has a huge industrial legacy from past manufacturing that is disturbed when storms disrupt underwater sediment.The Long Island Sound Report Card offers a collaborative model and a set of findings that enable the tracking of combined efforts at conservation. In doing so, it adds significant value to other crucial environmental work being conducted around the Sound. It also provides a basis for collective improvement of one of the best-known estuaries in the world and could become a model for enhancing estuaries affected by the growth of 21st-century megacities.William Dennison is Vice President for Science Applications and Professor at the University of Maryland Center for Environmental Science.last_img read more

GAO says tighter security needed at two BSL-4 labs

first_img Though the CDC’s Select Agent regulations don’t specify the perimeter controls needed for BSL-4 labs, the school said it has added numerous additional security controls since the GAO’s assessment and that it is aggressively addressing the remaining issues. HHS asked the GAO to address if the 15 security controls it used were research-based. The GAO responded that it has used the security survey in the past and that though the list doesn’t represent the only measures that provide perimeter security, it does reflect “common-sense security measures.” In a response that accompanies the GAO report, the US Department of Health and Human Services (HHS) wrote that security measures at the labs have been based on risk assessments for each facility and are structured more as performance objectives than as compliance rules. Oct 18 Georgia State University statement on GAO findings Oct 16 GAO report on BSL 4 lab perimeter safety The GAO released its findings on Oct 16 in a 20-page report posted on its Web site. The agency prepared the report at the request of House of Representatives committees that have been probing safety problems at the nation’s biodefense labs. Three labs had nearly all of the security controls in place, but one had only four and another had three the controls. Investigators noted that the three labs with the tightest security were subject to additional federal security measures required by other agencies that own or control the labs. “Even though the GAO report addresses perimeter security, GSU has had multiple layers of interior security actively implemented since the inception of the laboratory,” the school said in its statement. Rep. John Dingell, D-Mich., said in an Oct 16 press release from the House Committee on Energy and Commerce that the GAO report confirms that legislators have reason to be concerned about the security of the labs that handle some of the world’s most lethal pathogens. GAO investigators conducted site visits at the labs using a survey that focused on 15 perimeter controls that they said represent a baseline for security at BSL-4 labs. Examples of the controls included barriers to prevent vehicles from approaching the lab, closed-circuit television monitoring, and armed guards at entrances. See also: Meanwhile, Kenneth Trevett, president of the lab in San Antonio, said the facility has already launched an initiative to study perimeter security, according to the AP report. “We’re waiting for additional input, but we’re not waiting too long. The GAO would like us to do some fairly significant things,” he said. “They would like us to do it sooner rather than later.” “I urge the CDC to quickly identify all security shortcomings at these facilities and determine how to best rectify the problems,” said Dingell, who chairs the House committee. “Six more of these high-containment labs are currently under construction. Once again, I urge the President to suspend the design and construction of these labs until we solve the security problems at the labs we already have.” The GAO did not name the labs because of security concerns. However, the Associated Press (AP) in an Oct 16 report said the two labs that scored low on the GAO’s security assessment are at the Southwest Foundation for Biomedical Research, a private facility in San Antonio, Tex., and at Georgia State University (GSU) in Atlanta. HHS said the CDC, along with the US Department of Agriculture, will consult with security experts and the research community to determine what perimeter enhancements are needed at the BSL-4 labs. “The CDC is committed to enhancing security at our nation’s BSL-4 laboratories based on risk and sound science, while balancing security enhancements against any impact on the important research being conducted by these laboratories,” HHS wrote in its response. In the report, the GAO recommended that the US Centers for Disease Control and Prevention (CDC) implement specific perimeter security controls for all of the country’s BSL-4 labs. Currently, the CDC’s Select Agent regulations don’t specify the perimeter controls that should be in place at the labs, which has resulted in varying security levels among the BSL-4 labs, the report said. Oct 22, 2008 (CIDRAP News) – Two of the nation’s five biosafety level 4 (BSL-4) labs lack outer-ring security controls to protect against a terrorist attack or theft of some of the world’s most dangerous pathogens, such as the Ebola and smallpox viruses, according to a new report from the Governmental Accountability Office (GAO). Oct 4, 2007, CIDRAP News story “House committee airs safety concerns about biodefense labs” Researchers at the BSL-4 lab at Georgia State University are investigating B virus, a benign herpesvirus in macaque monkeys that can cause an occupationally acquired human disease that can be fatal without prompt diagnosis and treatment, according to an Oct 18 statement from the school.last_img read more

Governor Wolf Announces Veterans’ Trust Fund Grant Opportunities

first_img Press Release,  Veterans Governor Tom Wolf announced today that the 2017-18 Veterans’ Trust Fund (VTF) is accepting grant applications for programs and services benefiting Pennsylvania veterans. The Department of Military and Veterans Affairs (DMVA) will award up to $800,000 in VTF grants to non-profit organizations, veteran service organizations and county directors of veteran affairs across the state. Grant applications must be received no later than 3 p.m. EST on Friday, January 19, 2018.“Our service members are held in high regard for their bravery, commitment and sacrifice,” said Governor Wolf. “That is why the Veterans’ Trust Fund is such an important resource for those who have served and continue to serve. The commonwealth is grateful for everyone who donates to the Fund on behalf of our veterans, war fighters, and their families in need.”Up to a total of $150,000 in grant funding is available for new, innovative or expanded programs or services provided by county directors of veterans affairs or the Pennsylvania Association of County Directors of Veterans Affairs. The areas of emphasis for applicants in this category are veterans’ outreach and veterans’ court programs.Up to $650,000 in VTF funding is available to veteran service organizations and 501(c)(3) charitable organizations with a mission of serving Pennsylvania veterans. Funding priorities for applicants in this category are transitional housing or community living initiatives and unique veteran health services that address issues like homelessness, post-traumatic stress and behavioral health needs.Eligible applicants from either category may also submit applications for programs addressing newly identified, unmet or emerging needs of veterans and their families.Since the grant program began in 2013, 98 grants totaling $2,159,860 have been awarded to organizations providing services to veterans in Pennsylvania.“As I travel throughout Pennsylvania and talk with veterans and service members, I am constantly reminded of the positive impact the Veterans’ Trust Fund has on so many lives,” said Maj. Gen. Tony Carrelli, Pennsylvania’s adjutant general. “We are fortunate that Pennsylvanians genuinely care about the quality of life of those who have sacrificed for our freedom. This caring nature is reflected in the generous financial support the Fund receives every year.”The VTF is funded by generous Pennsylvanians who voluntarily donate when applying for or renewing driver’s licenses; photo IDs or motor vehicle registrations; purchase Honoring Our Veterans license plates; or make private donations.The Pennsylvania Department of Military and Veterans Affairs is authorized to solicit and accept donations to the VTF on behalf of the commonwealth. Tax-deductible donations can be made online at or mailed to: PA Veterans’ Trust Fund, Bldg. 0-47 Fort Indiantown Gap, Annville, PA 17003.To learn more about the VTF and the grant application process, visit or follow DMVA on Facebook at Governor Wolf Announces Veterans’ Trust Fund Grant Opportunities SHARE Email Facebook Twittercenter_img December 11, 2017last_img read more

Best Gold Coast suburbs to buy an investment unit

first_img1. Nerang 7.2% 2. Ashmore, Highland Park, Merrimac, Upper Coomera 6.9% 3. Arundel, Pacific Pines, Reedy Creek 6.8% 4. Coombabah, Oxenford 6.7% 5. Bundall, Molendinar, Surfers Paradise 6.6% 6. Biggera Waters, Coomera, Mudgeeraba, Southport 6.5% The data shows that more demand than rental supply on the Gold Coast is resulting in rising rents. The annual rent for two-bedroom units saw a 2019 median of $450 per week compared with $440 per week in 2018. Beachside unit 10/80 Pacific Parade, Bilinga is under offer with an asking price of $685,000.Southern suburbs filled out the Top 3 podium, with median values in Currumbin Waters gaining by 47.7 per cent while values in Miami rose by 44.5 per cent. Return on investment The rise of the online auction army REIQ: Top median unit/townhouse value gains (5 years) CoreLogic: Top median rental yields (12 months)center_img In their analysis, the REIQ noted that medium-term price performance had been positive, with units recording a price rise of 18.5 per cent on the $367,000 figure from five years ago. Suburbs which saw a double-digit percentage rise in their annual median unit price over the past year were Arundel (20.1 per cent), Bundall (14.0 per cent), Clear Island Waters (12.1 per cent) and Currumbin Waters (11.7 per cent).More from news02:37International architect Desmond Brooks selling luxury beach villa8 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago 1. Bilinga 68.1% 2. Currumbin Waters 47.7%3. Miami 44.5%4. Hope Island 43.5%5. Coomera 40.9%6. Burleigh Heads 40.7%7. Coolangatta 40%8. Palm Beach 39.9%9. Bundall 38.4%10. Mudgeeraba 38.3%And while there is significant concern about how COVID-19 will impact the economy, REIQ CEO Antonia Mercorella said it was important to remember how property markets have responded in the past.“The illiquid nature of property as well as the tendency for homeowners and investors to hold for the long-term means this asset class can withstand short-term financial upheavals better than most, which is likely to be the situation following the coronavirus pandemic as well,” she said. “There is a reason why the adage ‘as safe as houses’ has been around for so long.” MORE NEWS: ‘Isolated property’ demand surges after coronavirus escalation And when it comes to return on investment, CoreLogic’s Quarterly Rental Review for March 2020 identified the top median rental yields for units over the past 12 months.Across the city, units in Nerang recorded the best result with rents increasing by 7.2 per cent with a median rental value of $412 per week.In second place, median rental yields in Ashmore, Highland Park, Merrimac and Upper Coomera rose 6.9 per cent while at number three, values in Arundel, Pacific Pines and Reedy Creek rose by 6.8 per cent. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 3:08Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -3:08 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenHow will COVID-19 compare to other market downturns03:08Record low interest rates, stock market volatility and forced sales due to the coronavirus are expected to fuel a surge in interest in investment properties on the Gold Coast.Despite Federal Government restrictions suspending on-site and in-room auctions and group open homes, agents are reporting strong interest from investors ready to do business. “Buyers from Sydney and Melbourne are starting to put their feelers out,” said Amir Prestige Paradise Point agent Charlon Delos Angeles. “There are a lot of people who are in the fortunate position to purchase in this situation.”And for those hunting an investment opportunity, the latest property data reveals the best suburbs to own an investment unit in terms of both capital gain and rental yield.The REIQ Queensland Market Monitor revealed median value gains for units and townhouses over five years to December 2019.On the Gold Coast, Bilinga recorded the highest median gain, with units and townhouse values jumping by a whopping 68.1 per cent in five years.last_img read more

DryShips to Purchase Quartet from Economou Entities

first_imgGreece-based ship owner and operator DryShips has reached an agreement to buy four vessels from entities owned by its Chairman and Chief Executive Officer, George Economou.Under the deal, agreed on October 29, the company would pay USD 198.5 million for three Newcastlemax drybulk carriers and one coated Aframax tanker.The bulkers were built in 2016 and 2017, respectively, while the tanker was built in 2010.DryShips explained that the purchase includes existing financing in place and will be effected by way of stock purchase agreements and/or long-term bareboat charter parties with purchase obligations.All vessels are expected to be delivered to DryShips before the end of 2018 and in connection with the transaction, Economou’s entities have also agreed to time charter the three Newcastlemaxes on index-linked time charters of flexible durations, with DryShips having the option to convert these to fixed rate charters.The entities, TMS Dry and TMS Tankers, have agreed to forgo all commissions effective under the various respective management agreements in connection with the vessel purchases.DryShips revealed the acquisitions as part of its financial report for the quarter ended September 30, 2018. The company’s net income for the quarter reached USD 11.6 million, compared to a net loss of USD 17.9 million reported in the same period a year earlier.Voyage revenues for the period surged to USD 49.5 million from USD 29.9 million seen in the corresponding quarter in 2017.last_img read more

Abortion help programme launched

first_imgRadio NZ News 25 July 2014A programme to help women struggling after having an abortion started this week in Tauranga.Barbara Hill is running the Living in Colour programme, which was developed by author Jenny McDermid and is run in Canada.Ms Hill had an abortion almost 40 years ago and said up to as late as last year she was still feeling sadness over her decision to terminate her pregnancy.“I always had an anniversary reaction. Every January I got the blues. There was a lack of bonding. I had excessive anger. I disliked babies. I still have a job dealing with any babies under about six months old,” she said.She also turned to alcohol to suppress her feelings but has finally let go of the grief, having been through the programme twice.“I’ve become more joyful. I’ve forgiven myself. I’m more at peace and I have a sense of moving on, and I think it’s released me to really enjoy my kids that I have,” she said. programme a NZ firstSunlive News 8 July 2014Tauranga will be the first place in New Zealand to trial a recovery programme for women struggling with the after-effects of abortion.Women of all ages can register their interest in the eight week course, designed to heal emotional fallout that can surface months, years or decades after a termination. read more

Batesville grad, Frye declines congressional run

first_imgBatesville, Ind. — Batesville High School graduate and Republican state representative from the 67th district in Indiana, Randy Frye has declined a run for Congress. Frye says he has given the matter serious consideration but feels he can be most effective remaining at the state level.After the decision, Frye publicly thanked his supporters.Democrat, Lane Siekamn has announced he will challenge incumbent Luke Messer. Siekman is a fifth generation Ohio County resident and serves as the executive director of the Ohio County Economic Development Corporation and secretary of the Southeast Indiana Regional Growth Alliance.Will Messer run for reelection?Earlier this year Messer established statewide finance committee headed by Greg Pence, brother of Vice President Mike Pence. Other members of the committee include former GOP party chairman Murray Clark, Jim Kittle, Al Hubbard and Mike Pence campaign official Marty Obst. Political insiders believe Messer is preparing to challenge Democrat U.S. Senator Joe Donnelly.Republican Congressman Todd Rokita’s name has also been mentioned as a possible challenger for the Indiana U.S. Senate seat.Messer has not made an official announcement, but in April his office reported raising about $700,000 in the first quarter of 2017. Combined with $925,000 left over from the 2016 election cycle, Messer has a campaign war chest of more than $1.6 million.last_img read more

The Latest: Speedway Motorsports lays off, furloughs workers

first_imgThe Latest: Speedway Motorsports lays off, furloughs workers Speedway Motorsports owns the Atlanta, Bristol, Charlotte, Kentucky, Las Vegas, New Hampshire, Sonoma and Texas tracks. The coronavirus pandemic caused NASCAR to suspend the season just four events into a 36-race schedule. To date, Speedway Motorsports has had its races at Atlanta, Texas and Bristol postponed.Tracks receive a significant financial payout from NASCAR’s television contract, but that revenue has stopped without racing.Both NASCAR and Speedway Motorsports are hoping to restart the season May 24 with the Coca-Cola 600 at Charlotte Motor Speedway. ___Novak Djokovic has been praised by the director general of the local health authority in Bergamo for his donation to help control the coronavirus outbreak in Italy. Associated Press Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:___Speedway Motorsports, owner and operator of eight tracks that host NASCAR’s top Cup Series, has laid off 180 employees and furloughed 100 as part of a company restructuring during the sports shutdown. Peter Assembergs says “we never expected to see on our bank account a donation from such a prestigious person.”Assembergs says “reading among the donators the name of the best tennis player in the world … made me emotional.”The money will be used to help buy ventilators and other medical equipment.Djokovic, his wife and their foundation recently donated 1 million euros (about $1.1 million) to help hospitals in Serbia.___center_img April 15, 2020 This year’s Tour de France will start on Aug. 29 and finish on Sept. 20 and will be followed by cycling’s two other major races.The International Cycling Union announced the new dates after consulting with race organizer Amaury Sport Organisation. The Tour could not start as scheduled on June 27 because of restrictions related to the coronavirus pandemic.The UCI also says the world championships will go ahead as planned from Sept. 20-27 and will be followed by the Giro d’Italia and the Spanish Vuelta. No official dates were given for those two major races.The UCI says prestigious one-day road classics such as Paris-Roubaix and Liège-Bastogne-Liège will be maintained at dates still to be defined.___ More AP sports: and,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6last_img read more

Three Syracuse runners advance to NCAA Outdoor Championships

first_imgSyracuse runs on.Three members of SU’s track and field team qualified for the 2013 NCAA Outdoor Championships after their performances from Thursday to Saturday at the NCAA East Preliminaries at the Irwin Belk Track inside of Aggie Stadium on the campus of North Carolina A&T in Greensboro, N.C.Fifth-year senior Lauren Penney, sophomore Donald Pollitt and freshman Brianna Nerud will represent the Orange in the national competition in Eugene, Ore., from June 5-8.Pollitt and Nerud will be making their first appearances at the NCAA Championships but for Penney, it’s nothing new.As a freshman, Penney was part of the first women’s cross country team in SU program history to run in the 2008 NCAA Championship, claiming 145th in 21:49 in the 6k.AdvertisementThis is placeholder textNow as a school record-holder in four different races, Penney has advanced to the NCAA Championship 5000-meter race for the second consecutive year. The graduate student, who holds the school record in the 5,000-m race (15:56.80), qualified for nationals after finishing second in her heat and fourth overall in the preliminary round with a time of 16:11.14.In the 2012 outdoor season, Penney reached the NCAA Championships, while finishing in 22nd place in the 5,000-meter run. This past fall indoor season, Penney reached the NCAA Championships for the 3,000-meter run. She finished 12th in that race.Pollitt will compete in the 110-meter hurdles.His time of 13.68 seconds in the semifinals qualified him for nationals and gave him the sixth-best overall time at the regional competition.Nerud will compete in the 3000-meter steeplechase after finishing fourth overall in the event on Friday with a time of 10:03.18.Last July, Nerud broke the national high school record in the 3,000-meter steeplechase at the IAAF World Junior Championships in Barcelona, Spain, with a time of 10:00.72 as a member of Team USA.For complete coverage of the NCAA Championships including live results check out the Men and Women’s Track and Field (Outdoor) tabs on Comments Published on May 28, 2013 at 5:43 pm Contact Bryan: Facebook Twitter Google+last_img read more