text:
The North Face Athenia Triclimate Jacket
|Shell Fabric
HyVent® 2L, 100% Polyester
|Liner Jacket Fabric
Mossbud Fleece, 100% Polyester
Where to Buy
sponsored links
Help support this site by making your next gear purchase through one of the links above. Click a link, buy what you need, and the seller will contribute a portion of the purchase price to support Trailspace's independent gear reviews.
Manufacturer's Description
Visit The North Face's Athenia Triclimate Jacket page.
Retailers' Descriptions
Here's what other sites are saying:
On Sale. Free Shipping. The North Face Girls' Athenia Triclimate Jacket DECENT FEATURES of The North Face Girls' Athenia Triclimate Jacket Waterproof, breathable, fully seam sealed Fixed hood Zip-in compatible Zippered hand pockets Internal security pocket Key clip Adjustable drawcord system at hem Adjustable cuff tabs with Velcro closure ID label Liner Jacket: Two hand warmer pockets The SPECS of The North Face Girls' Athenia Triclimate Jacket Body: Hyvent 2L - 100% polyester Liner jacket: Mossbud fleece - 100% polyester This product can only be shipped within the United States. Please don't hate us.
- Moosejaw
The North Face Girls Athenia Triclimate Jacket - Closeout - The Athena Triclimate Jacket by The North Face is a versatile - three-in-one jacket for Girls - featuring waterproof - breathable protection.The North Face Girls Athena Triclimate Jacket (Fall 2007 Discontinued) which will give you quality and complete satisfaction.
- Massey's Outfitters
Make sure she stays warm and comfortable on the slopes this winter in the Athenia Triclimate Jacket from The North Face. This 3-in-1 jacket keeps her protected with a waterproof/breathable HyVent shell and a warm polyester fleece liner. Multiple pockets throughout both jackets provide plenty of room for storage.
- Mountain Gear
When shes wearing The North Face Girls' Athenia Triclimate Jacket she'll be protected in two-in-one warmth, double the style, high performance technology that mixes with Aspen-ready fashion. This ski jacket's waterproof outer shell is made from breathable HyVent polyester with a zip-in inner fleece jacket for an insulating mid layer. Separating the liner during moderate temperatures, its Mossbud fleece is so plush shell get attention from all her friends when she wears it in the schoolyard. Spring showers too warm for an insulated jacket? The shell is perfect on its own. With hand pockets up front, a fixed hood and Velcro tabs at the cuffs, she can seal in body heat and shut out the snow, wind and rain. In brilliant colors that will brighten her day wherever she goes, The North Face Athenia Triclimate Jacket for girls brings versatility to her outdoor adventures.
- Altrec Outlet
Similar Products
Marmot Big Sky Jacket
$91 - $97
Obermeyer Leyla Jacket
$75 - $104
Obermeyer Snowdrop Jacket
$69 - $111
Obermeyer Trina Jacket
Marmot Free Skier Jacket
$90 - $92
Obermeyer Tabor Jacket
$90 - $139
The North Face Brianna Insulated Jacket
$84 - $104
Obermeyer Kenzie Jacket
$100 - $159
The North Face Athenia Triclimate Jacket
The North Face Athenia Triclimate Jacket is not available from the stores we monitor. It was last seen November 10, 2013 at Moosejaw.


text:
UK Peer-to-Peer (P2P) Finance
- Sheila Malone
- 2 years ago
- Views:
1 UK Peer-to-Peer (P2P) Finance 3 February 2015 Market set to smash 30bn barrier by 2022 William Shakespeare was undoubtedly a talented writer, but his genius doesn t seem to cover finance. In his play Hamlet, the King s chief counsel Polonius warns his hot-headed son Laertes to Neither a borrower nor a lender be. This well intentioned advice appears to have fallen on deaf ears, as globally today there is $200+ trillion of outstanding debt (240% of GDP). The big problem now is getting this cash into the right hands, as most European banks continue to shrink their balance sheets (Re Basel III). Meaning millions of creditworthy small businesses (SMEs) and consumers are being starved of credit. So what s the answer? One increasingly popular way of bridging the funding gap is via peerto-peer (P2P) exchanges, commonly known as AltFi or CrowdFunding. Here investors provide capital directly to individuals and/or SMEs via low cost internet platforms, such as Funding Circle, RateSetter, ArchOver and Zopa. Being circa 3 times cheaper, we think this model offers superior returns for both borrowers and lenders alike versus the traditional banks. In fact the sector is experiencing unprecedented demand, soaring from 267m in 2012 to an est. 1.74bn last year (Nesta). Amazingly, this has been achieved with relatively little advertising. Going forward, as market awareness builds, we anticipate the industry to climb at a CAGR of 43% pa for the next 8 years - tipping 30.3bn by 2022 (see below). UK P2P Finance set for exponential growth ( m) 5 quick facts about UK P2P Finance 1) The sector witnessed explosive growth in 2014, soaring 161% YoY to 1.74bn from 666m in 2013 and 267m in 2012 (source Nesta). 2) Looking ahead, we expect these trends to continue with in excess of 30bn pa of P2P capital raised by 2022, driven by lower costs, constrained bank lending and greater industry awareness. Globally, Foundation Capital predicts the industry to reach $64bn in 2016 and $1 trillion by ) There are 50+ P2P platforms in the UK, albeit the top 10 generate more than 90% of arranged deals by value. 4) We estimate future returns from P2P loans (after all costs and default losses) will be similar, but higher than for high yield debt. 5) The main areas of P2P finance are: SME business loans (43% by value), invoice 35,000 30,000 25,000 20,000 15,000 10,000 5, ,365 26,636 21,505 16,566 11,811 7,237 4, ,740 2, discounting (16%), consumer credit (31%). Pure equity CrowdFunding (aka Dragons Den) represents a relatively small part of the market at 5% (source: Nesta). Source : actuals in blue (source: Nesta), ED forecasts in red ( ) Shareholders can make hay too. In December 2014 the world s largest P2P finance provider, LendingClub (Ticker: LC.) floated on the NYSE. It has a market capitalisation of circa $7.2bn, and is worth 3x more than TSB plc. Yet nothing is risk-free. P2P lending is not guaranteed by the Financial Services Compensation Scheme. Nor does anyone know exactly what future default rates will be, especially in a rising interest rate environment. And there are currently only a few secondary markets, thus limiting investors ability to sell loans prior to maturity. Nonetheless, across the cycle, we think that P2P lending ultimately will deliver net returns (after all costs/defaults) for investors of between 5%-6% pa, or 2x-3x more than yields presently available on 3-5 year fixed term deposit. Equity Development contacts Paul Hill Andy Edmond Please refer to the important disclosures shown on the back page and note that post MiFID this information is categorised as Marketing Material
2 UK Peer-to-Peer (P2P) Finance 3 February 2015 P2P, or not P2P, that is the question What would you say if I offered you an opportunity to earn 5%-6% pa (net) on your hard earned cash without taking on too much risk. You would be suspicious, right? However, if the underlying investment was a commercial loan secured by trade debtors, which in turn was insured against default, then you might reconsider? In fact, millions of people worldwide already have - and are enjoying returns significantly higher than those offered by the banks. So how is this possible? Welcome to the world of peer-to-peer (P2P) finance, or marketplace funding - combining the power of the crowd with clever social network and credit checking software, together with heaps of data mining to ensure non-performing loans (NPLs) are kept to a minimum. Traditional banks, in contrast, are burdened by expensive branch networks, large head offices and antiquated IT systems, which often restrict vital credit from flowing to small, medium sized enterprises (SMEs) and consumers. What s more bank interest margins are almost wide enough to drive a truck through! For example, the best rate high-street banks currently pay yield-hungry savers on their cash is 3% pa, assuming of course the balances are locked up for 5 years. Equally frugal on the other side of the ledger, these deposits might be lent out at 9% pa (probably requiring a personal guarantee too), thus pocketing a cool 7% margin (see below) on top of a hefty arrangement fee. Traditional banking model is heading for a crash Source: Internet Worse still, some banks have also been known to remove overdrafts at very short notice and simultaneously point SMEs in the direction of their invoice discounting services. Here, interest/charges are usually in the upper teens and sometimes 20%+ pa (source: ArchOver). Thus making these facilities both expensive and labour intensive, since every invoice has to be forwarded to the discounter. The borrower ends up running two sales ledgers - one for themselves and one for the discounter. This is where CrowdFunding fits in. P2P lenders aim to speed up this fuddyduddy process, as well as reducing the interest costs and boosting returns for investors. They are able to efficiently and quickly match both parties online - typically charging a 1%-2% pa fee, and hence allow more of the margin to be shared by all parties. 2
3 3 February 2015 UK Peer-to-Peer (P2P) Finance P2P cost base is around 3 times cheaper than Banks In fact, according to Renaud Laplanche, CEO of Lending Club, P2P costs are approx. one third of a bank s. This is exactly the same disruptive model that many internet giants (eg Alibaba, Uber, Airbnb, Facebook and ebay) have already successfully deployed in other verticals. Comparison of P2P platforms vs banks Source: Assetz Another key point for lenders is that not only are they getting superior returns (versus banks) from their cash, but also in some cases the collateral on which the loans are secured is insured by a third party. The upshot being that in the unlikely event of a default, the loan can be repaid either from the borrower s secured trade debtors or the insurance proceeds. So what does this mean in terms of investor profits? Well, although generally higher today thanks to low insolvency rates, we think ultimately P2P lending will - across the economic cycle and once it has reached maturity - deliver net returns (after defaults/costs) of between 5%-6% pa, which is similar but slightly higher than for European high yield debt (see below). Expected future net returns from P2P loans vs other asset classes 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 10 year UK Gilts 3 year fixed rate deposit 5 year fixed rate deposit European high yield bonds Property Equities P2P Consumer loans P2P Business loans Source: Equity Development estimates (after defaults) We suspect that P2P business loans will prove slightly more profitable for investors than their consumer equivalent, thanks to higher loan values and lower default rates. 3
4 UK Peer-to-Peer (P2P) Finance 3 February 2015 Revolutionising Small Business Funding We believe this is the future for SME lending - a model that is being pioneered by P2P operator ArchOver (authorised and regulated by the FCA), who focuses on high quality commercial credit. The company screens SMEs for default risk (e.g. minimum 2 years trading), manages the supply/demand of the marketplace, obtains security (eg 1 st charge over accounts receivable, AR) for the loan and arranges insurance on the collateral, along with facilitating interest payments and debt collection. Deal values tend to be within the 75k - 10m range, which is higher than the industry norm, thus making the economics more attractive for all parties concerned. On top of the 1.5% pa processing margin, ArchOver levies a one-off 4-5% arrangement fee from the SME to cover due diligence and setup, thus reducing the overall risk of NPLs. Approved borrowers usually pay interest of 7%-10.5% pa, with lenders receiving 5.5%-9% pa (gross) dependent on term and the type of collateral (e.g. AR, new/existing assets, etc). Better still as a result of the 3 rd party insurance, there is no need for personal guarantees, which is often disliked by company directors/owners. ArchOver s differentiated secured and insured P2P model Source: Company A few other notable horses and riders Elsewhere, in terms of volume, Funding Circle has lent out 505m to date across 7,100 businesses from 36,822 people (source: website 30/01/15). Its loans of between 5k- 1m are funded by retail investors, local councils, the British Finance Partnership and the Government-backed British Business Bank, who have committed 40m from its 300m investment programme. But it isn t just SME loans where P2P platforms have started turning the screw on the cosy world of banking. In consumer loans, operators such as Zopa, RateSetter and LendInvest are also making significant inroads. Here, detailed information on the borrower is obtained, including identification and fraud checks from one or more independent ratings agencies. After acceptance and assigning a credit score and interest rate level, the proposed loan is then (usually) bid for by prospective lenders via an online auction. Once complete, the debt is activated and principal/interest is repaid on a monthly basis for the specified term. Investors earn interest net of service fees and defaults. 4
5 3 February 2015 UK Peer-to-Peer (P2P) Finance Key players in UK P2P market Source: Equity Development Zopa was the world s first and is still the UK s largest P2P platform ( 703m lent to date source website). It aims to match consumers in search of 2 to 5 year loans with lenders, who can earn annualised net yields of 4.0% - 5.1% (post 1% pa fees and average default rates of 2.6% pa) on 3 and 5 year loans respectively (Source: Zopa website). Another bell weather of the sector is RateSetter ( 485m lent source website), offering expected yields of 4.6% to 5.9% pa on 3 and 5 year loans. Likewise for the humble mortgage, where future homeowners may find themselves canvassing strangers online using LendInvest.com or Wellesley & Co. Moving from cottage industry into mainstream Finance Encouragingly too, institutional cash is now pouring into the industry. A sure fire sign that the sector is both growing up and attracting smart money from sophisticated investors. Take US provider Interface Financial Group. It has formed a joint venture with Assetz Capital to buy invoices from businesses at a reduced rate, then collect when they are paid, typically within 60 days. This allows companies to access cash quickly, and is seen as lower risk. Assetz has 7,000 registered investors and has already lent out 59m at an expected default rate of 1.5% pa. In addition to personal guarantees, the platform takes asset security, including charges on property and equipment. Other P2P invoice discounters include MarketInvoice where > 300m has been funded, generating returns of 11.6% pa (post 1.6% default losses, source: website) and Platform Black ( 84m traded to date). Moving to the other side of the pond, the world s biggest P2P provider is US giant LendingClub (NYSE: LC.) with loan origination of $6.2bn, offering net returns of 4.7% to 8.0%. The 2 nd largest American consumer platform is Prosper (net returns of 5%-8%) with 2m+ members and $2bn in funded loans (source: websites). Professional investors are backing circa 80% of all new loans on LendingClub. While last month BlackRock Financial Management packaged together a bundle of P2P consumer loans (Source FT) originated through Prosper, which was awarded a credit rating by Moody s. This is important because securing a formal assessment from a globally recognised ratings agency should open the door to a broader range of institutions such as pension funds and insurers. 5
6 UK Peer-to-Peer (P2P) Finance 3 February 2015 Great expectations for the Industry The upshot of this demand surge is that the UK P2P Finance sector expanded by an estimated 161% YoY in the UK to 1.74bn in 2014 according to Nesta (see below) with the bulk of the growth coming from business lending (see below): UK Alternative Finance (AltFi) market Source: Nesta Loan volumes doubling every 8 months This collaborates broadly with recent figures from the Peer-to-Peer Finance Association, which estimates there were 1.3bn of P2P loans in 2014, of which 346m was generated in Q4, split 1/3 rd : 2/3rds consumer and SME. Smart money piling into P2P business lending Source: Nesta 6
7 3 February 2015 UK Peer-to-Peer (P2P) Finance CAGR of 43% p.a. P2P growth expected Looking ahead, we believe these positive trends will continue with the UK industry delivering a CAGR (compound average growth rate) of 43% pa over the next 8 years - reaching 30.4bn by 2022 (see below). With regards to scale, this is still less than 10% of the predicted addressable market in 2022, which we estimate is currently worth over 270bn. This taken from Bank of England data, where the value of new loans granted to SMEs and residential mortgages was 48bn and 189bn respectively for the 11 months ending November What s more, according to themoneycharity.org.uk, there is presently 1.3 trillion of outstanding household mortgages and another 169bn in consumer credit. Predicted growth of the UK P2P funding market ( m) 35,000 30,000 26,636 30,365 25,000 21,505 20,000 16,566 15,000 10,000 5, ,811 7,237 4,257 2,783 1, Source: Equity Development Globally, too, Foundation Capital forecast the sector will hit $64bn in 2016 and $1 trillion by Writing is on the wall for traditional banks This is pretty scary for the banks who can see the potential for damage being inflicted on their bread-and-butter businesses. In response they have started to dip their toes in the P2P waters as well. Last month Société Générale and Goldman Sachs were among several institutions discussing plans to back Aztec Money, a P2P platform that has created an online market place where people can bid for commercial invoices. Elsewhere, Santander and Royal Bank of Scotland (RBS) have struck partnerships with P2P firms. RBS expects to refer thousands of prospective loans to Funding Circle and Assetz Capital following a pilot that has just commenced in Scotland and the South-West of England. This follows Santander s announcement of a partnership with Funding Circle last summer. 7
8 UK Peer-to-Peer (P2P) Finance 3 February 2015 Regulatory environment set to further boost growth Additionally, the industry looks well placed to benefit from future government reforms, where P2P lending is considered an investment and is not covered by the Financial Services Compensation Scheme. In the March 2014 Budget, it was decided that from April 2015 onwards, P2P loans which are under the regulatory control of the Financial Conduct Authority (FCA) can be included within ISAs. They are already permitted within SIPPs, which is an area of expertise for ThinCats. Also, the FCA has introduced a new regulated activity of operating an electronic system in relation to lending covering disclosure (eg risks clearly stated), promotions, minimum capital requirements, client money protection (eg segregated accounts), dispute resolution (eg Financial Ombudsman Service) and the need to take reasonable steps to ensure existing loans continue to be administered if the platform ceases to operate. There is greater protection for consumers investing in equity crowdfunding too, which involves buying shares in start-up companies. From April 2015, investors must confirm that they aren't putting more than 10% of their assets, excluding property and pensions, into this kind of scheme. Taxation improving for investors Assistance is also coming from HMRC. In the last autumn statement, Chancellor George Osborne revealed a package of measures to support P2P finance, as part of a wider plan to inject competition into the banking sector. The tax changes mean that from April 2016 individuals lending through P2P platforms will be able to offset any losses from bad loans such as when a borrower defaults against other P2P income. For instance today an investor receiving gross interest of say 9% pa - incurring 2% from bad debts and 1% in fees - receives a net return of 6%, but pays tax on the entire 9%. Going forward, the new regime means investors will pay tax only on the 6%. 8
9 3 February 2015 UK Peer-to-Peer (P2P) Finance Valuation of P2P Platforms Although there are only a few listed P2P finance providers, we believe the sector should be valued at a premium to other fast growing internet exchanges. In fact this already seems to be the case, with LendingClub at $20/share, trading on a 2015 EV/sales multiple of 17.8x - which is circa 50% higher than the wider internet / social media space at 11.7x (see below). Current Year EV/Sales multiples Sector 11.7 Twitter 10.1 Rightmove 12.7 Zillow 8.4 LinkedIn 8.7 Facebook 12.2 Alibaba 12.2 LendingClub Source: Equity Development (prices as at 29 th January 2015) Conclusion Despite being only at the very early stages of its gestation, the industry is already providing vital funding for creditworthy consumers and SMEs alike, who may have been locked out of the traditional banking sector through no fault of their own. We view these types of pure P2P marketplaces as the most attractive business assets in the internet space. They are not only disrupting the finance industry by leveraging technology, data and software, but also improving user experience and driving costs down. The growth potential is enormous. 9
10 UK Peer-to-Peer (P2P) Finance 3 February 2015 Key risks for lenders Nonetheless, inexperienced investors (as always) should exercise some degree of caution, before committing their money given the industry's short history and the lack of FSCS protection. We think there are a number of areas to consider: Firstly, P2P loans have not yet experienced a full economic cycle, which makes it difficult to accurately assess underwriting quality, borrower behaviour and future loan losses in a downturn or higher interest rate environment. Next, the boom in cross-border P2P raises complicated legal questions. National rules often determine how credit is issued and debts are collected. But they offer little help when the money comes from hundreds of individuals across dozens of countries. Although secondary markets in P2P loans are developing (eg Funding Circle), these investments are still generally illiquid, and investors could find it difficult to get their money back quickly (ie pre maturity) if required. Being online exchanges handling financial transactions, there is naturally a risk from cybercriminals or similar web attacks. Possible disruption caused if, say, a P2P provider became insolvent. That said, most operators (if not all) have Living Wills in place, where the underlying loans would continue to be paid off. Furthermore, any un-lent funds should also be protected, as they have to be held in segregated client accounts. 10
11 Sales Contacts Head of Corporate Gilbert Ellacombe Direct: Tel: Investor Access Hannah Crowe Direct: Tel: Senior Analyst Contacts Consumer, Support Service Ben Maitland Natural Resources Conor Fahy Technology Denis Gross Financials John Borgars Special Situations Paul Hill Strategy Andy Hartwill Pharma / Biotech Robin Campbell PhD TMT John Walter Property, Special Situations Roger Leboff This report is intended for Professional Clients, Self-certified High Net Worth or Sophisticated Investors only. Equity Development are regulated by the Financial Conduct Authority Equity Development Limited ( ED ) is retained to act as financial adviser for various clients, some or all of whom may now or in the future have an interest in the contents of this document. In the preparation of this report ED has taken professional efforts to ensure that the facts stated herein are clear, fair and not misleading, but make no guarantee as to the accuracy or completeness of the information or opinions contained herein. This document has not been approved for the purposes of Section 21(2) of the Financial Services & Markets Act 2000 of the United Kingdom ( FSMA ). Any person who is not a relevant person under this section should not act or rely on this document or any of its contents. Research on its client companies produced and distributed by ED is normally commissioned and paid for by those companies themselves ( issuer financed research ) and as such is not deemed to be independent, as defined by the FCA, but is objective in that the authors are stating their own opinions. This document is prepared for clients under UK law. In the UK, companies quoted on AIM are subject to lighter due diligence than shares quoted on the main market and are therefore more likely to carry a higher degree of risk than main market companies. This report is being provided to relevant persons by ED to provide background information about the subject matter of the note. This document does not constitute, nor form part of, and should not be construed as, any offer for sale or purchase of (or solicitation of, or invitation to make any offer to buy or sell) any Securities (which may rise and fall in value). Nor shall it, or any part of it, form the basis of, or be relied on in connection with, any contract or commitment whatsoever. Self certification by investors can be completed free of charge at ED may in the future provide, or may have in the past provided, investment banking services to the companies in the report. ED, its Directors or persons connected may have in the future, or have had in the past, a material investment in the companies referred to in this document. Equity Development s Chairman is a founder shareholder in ArchOver Ltd. More information is available on our website: Equity Development, 15 Eldon Street, London, EC2M 7LD. Contact:
Finance for Business Growth
Finance for Business Growth A Presentation by Clive Lewis, Head of Enterprise, Institute of Chartered Accountants in England & Wales (ICAEW) Finance for Growth Businesses Presentation will cover: Do youMore information
FUNDING SNAPSHOT 2013 Case Study How do I raise more finance for my business? Until recently the big banks were the first stop for businesses wanting to borrow money, but the marketplace is changing. AlternativeMore information
5 Interesting Facts about the Peer to Peer (P2P) Market
5 Interesting Facts about the Peer to Peer (P2P) Market 1 P2P is not crowdfunding PEER TO PEER LENDING CROWDFUNDING The practice of unrelated individuals or companies lending money directly to one anotherMore information
Fairpoint Group. Delivering on all fronts. 25 November 2013. Company Details EPIC FRP FRP
Fairpoint Group Delivering on all fronts The appointment this month of David Harrel as the new Chairman of Fairpoint confirms his predecessor s statement that its recovery stage has been completed. MrMore information
Peer-to-Business Lending
A beginner s guide to: Peer-to-Business Lending Register today: rebuildingsociety.com Once upon a time... Savers enjoyed a passive income from interest earnings and businesses had access to credit. However,More information
Peer-to-Peer Commercial Property Lending
Peer-to-Peer Commercial Property Lending Why Commercial Real Estate Debt is the Perfect Partner for P2P Lending Retail Industrial Office INTRODUCTION Peer-to-Peer Lending, also known as Loan Based Crowdfunding,More information
Web Franchisee Information
Web Franchisee Information Become a BLX web franchisee Today, more than ever before, small business owners face a major problem. Funding for the development of their business is hard to raise; banks areMore information
Peer-to-business lending
Peer-to-business lending Register today: rebuildingsociety.com rebuildingsociety.com is regulated by the FCA Read more inside and at http://reb.so/risk Company No. 07885342 Once upon a time... Savers enjoyedMore information
Investment required: up to 400,000 (EIS pending)
Web Brief New Peer-to-Peer Crowd Funding Business BFS Ref.: PF/394/045 Investment required: up to 400,000 (EIS pending) Summary Our client is a new start company, and will enter the rapidly expanding UKMore information
6 year investment. 5x the rise of the FTSE 100 Index. Maximum gross return at maturity of 60%
JUNE 2014 LISTED PRODUCTS UK Accelerated Tracker 5 Enhanced exposure to the FTSE 100 INDEX 6 year investment 5x the rise of the FTSE 100 Index Maximum gross return at maturity of 60% Capital is fully atMore information
Funding Circle The FS Forum
Funding Circle The FS Forum 2015 1 Contents Funding Circle The Investor Journey Our Partnerships with Existing Lenders 2 Funding Circle Index Ventures DST Global Rabbit Capital Baillie Gifford BlackRockMore information
Old Burlington Investments AIM Growth Fund. Trusted Alternatives
Old Burlington Investments AIM Growth Fund Trusted Alternatives April 2013 Why Old Burlington Investments? Old Burlington Investments is a new alternative investment boutique Led by Brett Williams, formerMore information
Getting started as an investor. Welcome pack for investors
Getting started as an investor Welcome pack for investors Welcome to Funding Circle You ve just joined thousands of other investors who are earning a great return by lending to businesses across the UK.More information
UK CROWDFUNDING ASSOCIATION representing the crowdfunding sector in the UK OCTOBER 2014
UK CROWDFUNDING ASSOCIATION representing the crowdfunding sector in the UK OCTOBER 2014 UK CROWDFUNDING ASSOCIATION WHO ARE WE? The UK Crowdfunding Association represents the interests of its members acrossMore information
Technical Factsheet 186 Alternative forms of finance
Technical Factsheet 186 Alternative forms of finance CONTENTS Page 1 Introduction 1 2 Peer-to-peer and crowdfunding 1 3 Debt platforms 3 4 Working capital platforms 5 5 Equity platforms 8 6 Investors 11More information
Getting started as an investor
Getting started as an investor A guide to investing with GO2 Welcome to GO2 BusinessLoans Thank you for considering the Go2 money market. We are confident that you will find some exciting businesses inMore information
Alternative Finance in the UK in 2015. www.choice loans.co.uk
Alternative Finance in the UK in 2015 www.choice loans.co.uk Definition of Alternative Finance...finance not traditionally offered by the High Street banks and/or a form of finance that was not availableMore information
Close Brothers Close Brothers Finance plc (incorporated with limited liability in England and Wales with registered number 4322721)
SUPPLEMENTARY PROSPECTUS DATED 9 APRIL Close Brothers Close Brothers Finance plc (incorporated with limited liability in England and Wales with registered number 4322721) 1,000,000,000 Euro Medium TermMore information
Your bid for growth funds. Supporting your business with financing decisions
Your bid for growth funds Supporting your business with financing decisions Contents 3 Introduction 4 Preparing your application 6 Assessing applications 8 What Barclays considers 9 Funding solutions 10More information
TAKING CONTROL OF YOUR PENSION PLAN. The value of pension contributions
TAKING CONTROL OF YOUR PENSION PLAN If you add together all the money you have in pension arrangements, the total may well dwarf every other investment you ever make. Despite this, many people are happyMore information
ISA qualifying investments: response to the consultation on including peer-to-peer loans
ISA qualifying investments: response to the consultation on including peer-to-peer loans July 2015 ISA qualifying investments: response to the consultation on including peer-to-peer loans July 2015 CrownMore information
5. Funding Available for IP-Rich Businesses
20 IP Finance Toolkit 5. Funding Available for IP-Rich Businesses Introduction As the Banking on IP? report notes; SMEs first port of call for finance is often a bank. Figures quoted in the report showMore information
The UK Retail Bond Market H1 2011 Performance Update
1. Introduction The UK Retail Bond Market H1 2011 Performance Update Over the last 6 months, 7 transactions have been launched in the retail bond market in the UK, raising 540 million - with a furtherMore information
CFCM CENTRE FOR FINANCE AND CREDIT MARKETS Current Issues Briefing Why Firms Will Feel The Effects Of The Credit Crunch Prof. Paul Mizen Director, CFCM. Produced By: Centre for Finance and Credit MarketsMore information
Understanding Fixed Income
Understanding Fixed Income 2014 AMP Capital Investors Limited ABN 59 001 777 591 AFSL 232497 Understanding Fixed Income About fixed income at AMP Capital Our global presence helps us deliver outstandingMore information
Financial System Inquiry SocietyOne Submission
Financial System Inquiry SocietyOne Submission SocietyOne is pleased to make the following submission to the Financial System Inquiry. SocietyOne is Australia s first fully compliant Peer-to-Peer (P2P)More information
The Young Entrepreneur's guide to starting a business (Part 5)
Page 1 The Young Entrepreneur's guide to starting a business (Part 5) Richard Belsey & Fergal McLoughlin May 2013 A whistle stop tour of alternative funding options for start-ups As part of our Young EntrepreneurMore information
Financial Regulation. Consultation Paper 13/13: The FCA s regulatory approach to crowdfunding (and similar activities) November 2013
Financial Regulation Consultation Paper 13/13: The FCA s regulatory approach to crowdfunding (and similar activities) November 2013 5926 Pinsent Masons Financial Regulation In the Entrepreneurship 2020More information
HMT Discussion paper on non-bank lending
17 February 2010 By e-mail to: email@example.com Dear Sirs HMT Discussion paper on non-bank lending The IMA represents the UK-based investment management industry. Our members includeMore information
Transact Guide to Investment Risks
Integrated Financial Arrangements plc Transact Guide to Investment Risks Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority INTRODUCTION Transact operatesMore information
SBERBANK GROUP S IFRS RESULTS. March 2015
SBERBANK GROUP S IFRS RESULTS 2014 March 2015 SUMMARY OF PERFORMANCE FOR 2014 STATEMENT OF PROFIT OR LOSS Net profit reached RUB 290.3bn (or RUB 13.45 per ordinary share), compared to RUB 362.0bn (or RUBMore information
Funding for Growth. Introduction & brief outline of the format for today
Funding for Growth Funding for Growth: Does your business need working capital to grow? Introduction & brief outline of the format for today Attendees to introduce themselves & advise what they hope toMore information
INVESTING RISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO BONDS Contents Explaining the world of bonds 3 So what are bonds? 3 Understanding the risks 4 Three words you need to know 4 UnderstandingMore information
Geoff Miller CEO. GLI Finance. February 2014
Geoff Miller CEO GLI Finance February 2014 1 Disclaimer IMPORTANT NOTICE These presentation materials (the "Presentation Materials") are being solely issued to and directed at persons who are qualifiedMore information
Empresaria (EMR.L) Empressive finish to the year
26 th January 2015 56 54 52 50 48 46 EMR EMPRESARIA ORD 5P Empresaria (EMR.L) Empressive finish to the year 44 42 40 38 Q1-2014 Q2-2014 Q3-2014 Q4-2014 Price: 43.0p Sourc e: Fides s a 12m High 56.0p 12More information
Financial Overview INCOME STATEMENT ANALYSIS
In the first half of 2006, China s economy experienced steady and swift growth as evidenced by a 10.9% surge in GDP. In order to prevent the economy from getting overheated and to curb excess credit extension,More information
for Analysing Listed Private Equity Companies
8 Steps for Analysing Listed Private Equity Companies Important Notice This document is for information only and does not constitute a recommendation or solicitation to subscribe or purchase any products.More information
List of provisions for consumer protection
List of provisions for consumer protection Type of provision Lending platforms Equity and/or Debt platforms Maximum amount of investment for 40.000 Euro 20.000 Euro consumers on the platform Maximum frequencyMore information
RELEVANT TO ACCA QUALIFICATION PAPER F9. Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam
RELEVANT TO ACCA QUALIFICATION PAPER F9 Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam Business finance Section E of the Paper F9, Financial Management syllabus deals withMore information
State of Small Business Lending: US and UK
State of Small Business Lending: US and UK Karen Gordon Mills Senior Fellow, Harvard Business School & Harvard Kennedy School Former Administrator of the U.S. Small Business Administration and Member ofMore information
Guidance on investment business regulation for Funding Advisers for Small and Medium Enterprises (SMEs)
Guidance on investment business regulation for Funding Advisers for Small and Medium Enterprises (SMEs) The SME Funding Adviser Scheme highlights a number of specialisms that firms may be offering to theirMore information
Floating Rate Note Issue Investor Presentation. March 2006
Floating Rate Note Issue Investor Presentation March 2006 Disclaimer Slide 2 This document is being furnished to you solely for your review and may not be reproduced or redistributed, in whole or in part,More information
Sberbank Group s IFRS Results for 6 Months 2013. August 2013
Sberbank Group s IFRS Results for 6 Months 2013 August 2013 Summary of 6 Months 2013 performance: Income Statement Net profit reached RUB 174.5 bn (or RUB 7.95 per ordinary share), a 0.5% decrease on RUBMore information
Investing in community shares
Investing in community shares Investing in community shares Introduction Give, lend or invest? Have you been invited to buy shares in a community enterprise? Then you are not alone. You are one of thousandsMore information
how the One account works all your questions answered 08456 000 00 1 oneaccount.com
how the One account works all your questions answered 08456 000 00 1 oneaccount.com Contact us By telephone 08456 000 00 1 By typetalk 08456 000 00 1 By textphone 08456 10 10 56 By post By web The OneMore information
Peter Brinsley Director, Point Forward Ltd PZF Congress, 17 September 2015
+ New brands / instruments in Receivables Finance Peter Brinsley Director, Point Forward Ltd PZF Congress, 17 September 2015 + Receivables Finance Supply Chain Finance Forfaiting Factoring Trade ReceivablesMore information
Peer-to-peer bad debt relief: proposed technical criteria. Technical Note 24 March 2015
Peer-to-peer bad debt relief: proposed technical criteria Technical Note 24 March 2015 1 Contents Page Chapter 1 Introduction 3 Chapter 2 Summary of Proposed Relief 4 Chapter 3 Amount of Proposed ReliefMore information
Alternative Finance Shadow Banking and Crowdfunding
6 October 2015 Alternative Finance Shadow Banking and Crowdfunding Jacob Ghanty, Partner, K&L Gates London Copyright 2015 by K&L Gates LLP. All rights reserved. What are Shadow Banking and AlternativeMore information
European Union Green Paper on Mortgage Credit in the EU. Response from Prudential plc
1 General Comments European Union Green Paper on Mortgage Credit in the EU Response from Prudential plc 1.1 We welcome the opportunity to respond to the Commission s Green Paper on Mortgage Credit in theMore information
largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904
largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904 CONTENTS What is equity release?... 3 How much money could I raise through an equity release?... 4 WhatMore information
Introduction to Platform Black September 2013
Introduction to Platform Black September 2013 Transaction Summary GLI Finance is investing 2m in Platform Black Limited ( Platform Black ), the fastest growing online platform for crowd-funding invoiceMore information
THE ESSENTIAL GUIDE TO APPLYING FOR A BUSINESS LOAN TO APPLY FOR A BUSINESS LOAN 7 TRIED-&-TESTED STEPS CONTENTS Contents 2 So you want to apply for a business loan? 3 STEP 1: Determine whether a loanMore information
1. INTRODUCTION CORPORATE MEMBERS OF LIMITED LIABILITY PARTNERSHIPS 1.1 This note, prepared on behalf of the Company Law Committee of the City of London Law Society ( CLLS ), relates to BIS request forMore information
Client Agreement document
Client Agreement document for Burton and Fisher Financial Services Introduction This document is aimed at providing you with an overview of Burton and Fisher Financial Services and to introduce you toMore information
Saving and Investing. Chapter 11 Section Main Menu
Saving and Investing How does investing contribute to the free enterprise system? How does the financial system bring together savers and borrowers? How do financial intermediaries link savers and borrowers?More information
KEY GUIDE. Setting up a new business
KEY GUIDE Setting up a new business The business idea You have a business idea, but can you turn it into a viable enterprise? Is there a market for the goods you will produce or the services you will supply?More information
A guide to mortgages
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 InterestMore information
FOR PROFESSIONAL clients and qualifed investors ONLY BLACKROCK SECURITIES LENDING UNLOCKING THE POTENTIAL OF PORTFOLIOS JUNE 2015 Introduction Securities lending is a well-established practice where fundsMore information
5 Year UK Growth Certificate
5 Year UK Growth Certificate The 5 Year UK Growth Certificate (the Certificate ) provides the opportunity to make a fixed return equal to 35.75% of the Issue Price (gross) on the Maturity Date. WhetherMore information
Fund Activities. Trade finance is critical for supporting global trade flows, which totalled around US$18 trillion in 2011
Fund Activities Trade finance is critical for supporting global trade flows, which totalled around US$18 trillion in 2011 Fund Objective The Oxhill Trade Finance Fund s objective is to achieve stated specificMore information
Chapter 3. How Securities are Traded
Chapter 3 How Securities are Traded Primary vs. Secondary Security Sales Primary: When firms need to raise capital, they may choose to sell (or float) new securities. These new issues typically are marketedMore information
Fundamentals Level Skills Module, Paper F9
Answers Fundamentals Level Skills Module, Paper F9 Financial Management June 2008 Answers 1 (a) Calculation of weighted average cost of capital (WACC) Cost of equity Cost of equity using capital assetMore information
Supply chain finance: additional insights
10 February 2012 Our ref: ICAEW Rep 14/12 firstname.lastname@example.com To Breedon Taskforce Supply chain finance: additional insights ICAEW is pleased to provide additional evidence to the industryMore information
A Survey of SME Finance and the Emerging Alternatives for Access to Capital
A Survey of SME Finance and the Emerging Alternatives for Access to Capital Jim Faith Trade and Export Finance Online Global California December 3, 2014 2014 TEFO. All Rights Reserved Agenda Section 1:More information
The Independent Commission on Banking s Report and Recommendations
The Independent Commission on Banking s Report and Recommendations The Independent Commission on Banking (ICB) chaired by Sir John Vickers was established in June 2010 to consider structural and relatedMore information
The table below shows Capita Asset Services forecast of the expected movement in medium term interest rates:
Annex A Forecast of interest rates as at September 2015 The table below shows Capita Asset Services forecast of the expected movement in medium term interest rates: NOW Sep-15 Dec-15 Mar-16 Jun-16 Sep-16More information
Unsecured Loans to Business in the UK - Key Trends and Opportunities up to 2018
Brochure More information from http://www.researchandmarkets.com/reports/2933671/ Unsecured Loans to Business in the UK - Key Trends and Opportunities up to 2018 Description: - This report provides marketMore information
Research Report. The Business Models and Economics of Peer-to-Peer Lending. Alistair Milne Paul Parboteeah. European Credit Research Institute
Research Report The Business Models and Economics of Peer-to-Peer Lending Alistair Milne Paul Parboteeah European Credit Research Institute No. 17 May 2016 The Business Models and Economics of Peer-to-PeerMore information
Determination of Forward and Futures Prices
Determination of Forward and Futures Prices Options, Futures, and Other Derivatives, 8th Edition, Copyright John C. Hull 2012 Short selling A popular trading (arbitrage) strategy is the shortselling orMore information
P2P & Online Lending Global Market Overview
P2P & Online Lending Global Market Overview PETER RENTON Founder Lend Academy Co-founder LendIt Conference Major Milestones of the Past Year Eaglewood Capital/Lending Club securitization Funding CircleMore information
Mortgage and Equity Release Client Agreement
Mortgage and Equity Release Client Agreement Client name Date of issue CONTENTS Client agreement 1 This details the terms and conditions under which we will conduct business with you. Keyfacts about ourMore information
NISAs a simple explanation
NISAs a simple explanation A NISA is a New Individual Savings Account. As the name suggests, these are accounts that can be accessed by individuals (you cannot have a NISA in joint names). ISAs were introducedMore information
The Entrepreneur s Guide to Financial Maturity Factoring - Financing for Companies Seeking Fast Cash
The Entrepreneur s Guide to Financial Maturity Factoring - Financing for Companies Seeking Fast Cash A healthy cash flow is an essential part of any successful business. Some entrepreneurs claim that aMore information
Deduction of income tax from interest: peer-topeer
Deduction of income tax from interest: peer-topeer lending Consultation document Publication date: 15 July 2015 Closing date for comments: 18 September 2015 Subject of this consultation: Scope of thisMore information
Secured loans - A guide
Secured loans - A guide WHAT IS A SECURED LOAN? A secured loan is a loan in which the borrower pledges some asset such as a car or property as collateral for the loan, which then becomes a secured debtMore information
Help to Buy. House Builder and Developer Participation Guidance. July 2014. Page 1 of 15
Help to Buy House Builder and Developer Participation Guidance July 2014 Page 1 of 15 Contents Ministerial Foreword page 3 Introduction... page 4 Help to Buy overview... page 5 Help to Buy registration...More information
Savings Interest Rates
Savings Interest Rates Instant Access Savings Account Instant Savings Tracker Account First Home Saver Account Bonus 30 Account Instant Access ISA Direct Saver Telephone Saver Rainbow Savings Account CashMore information
Gold BUGS Tracker. This product is available for UK residents only. Product information Classification. Index-linked Certificate Issuer
This product is available for UK residents only Gold BUGS Tracker The Gold BUGS Tracker (the Certificate ) tracks the performance of the NYSE Arca Gold BUGS Index (the Index ), less an annual managementMore information
AIB Group (UK) p.l.c. Highlights of 2015 Business and Financial Performance. For the year ended 31 December 2015. Company number: NI018800
AIB Group (UK) p.l.c. Highlights of 2015 Business and Financial Performance For the year ended 31 December 2015 Company number: NI018800 Contents Page Financial and Business review 1. 2015 PerformanceMore information
Wesleyan Financial Services Ltd Colmore Circus Birmingham B4 6AR ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU About this document This document explains the service we offer, how you willMore information
Open Invest. Important Information Guide. Explaining the changes to your Open Invest Service
Open Invest Important Information Guide Explaining the changes to your Open Invest Service This important guide provides details of the changes to your investment service and what they mean for you. ContentsMore information
GLOBAL BANKING & MARKETS Investors Day Boadilla del Monte. September 14 th, 2007 Important information 2 Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statementsMore information
STRUCTURE YOUR LABOUR HIRE BUSINESS SO CASHFLOW IS NEVER A PROBLEM EDGEVIEW DIRECT 1 REVENUE IS VANITY MARGIN IS SANITY CASH IS KING! - KEITH C. MACDONALD EDGEVIEW DIRECT 2 It s often touted as commonMore information
Asset quality remained strong and in line with expectations with a continued low level of impairments in the quarter.
VIRGIN MONEY: Q3 2015 TRADING UPDATE Virgin Money Holdings (UK) plc (the Group ) has delivered a strong trading performance in the third quarter of 2015 as it continues to create Britain s leading challengerMore information
Chapter 8 Financing a Business 1: Sources of Funds
Financing a Business 1: Sources of Funds Solutions to Even-Numbered Problems and Cases 8.2 Coté Biologique Limitée (CBL) Data: Annual credit sales $10,000,000 Average collection period 50 days IndustryMore information
The Merchant Securities FTSE 100. Hindsight II Note PRIVATE CLIENT ADVISORY
The Merchant Securities FTSE 100 Hindsight II Note Our first FTSE-100 Hindsight Note is now fully subscribed; however, as a result of exceptional investor demand we are launching the FTSE- 100 HindsightMore information
How Banks Create Money: The Balance Sheets Contents
How Banks Create Money: The Balance Sheets Contents 1. The different types of money 2. A quick word on balance sheets 3. How central banks create money 1. Central bank reserves 2. Cash 4. How commercialMore information
Spectrum Insights. Bond and stock market around the same size Australian bonds vs Australian stock market
Market capitalization $b Spectrum Insights Damien Wood, Principal JUNE 9, 2015 Corporate bonds often provides investors with an income stream that is above deposit rates, but less risky than dividendsMore information
ISAs GUIDE. An introduction to Individual Savings Accounts
ISAs GUIDE 2015 An introduction to Individual Savings Accounts ISAs GUIDE 2015 Introduction Most people s experience of saving starts in childhood. Your parents encourage you to save up a few pennies,More information
Information booklet for small and medium enterprises (SMEs) in financial difficulty
Information booklet for small and medium enterprises (SMEs) in financial difficulty We understand that in the current economic climate SMEs can experience difficulties meeting their financial commitments.More information
Guide to Financial Reporting In Irish Life & Permanent plc European Embedded Value and IFRS
Guide to Financial Reporting In Irish Life & Permanent plc European Embedded Value and IFRS This guide to financial reporting is designed to help investors and other users of our financial statements toMore information
Investing in Bonds challenges and opportunities in 2015
For Financial Brokers and Advisors Only Investing in Bonds challenges and opportunities in 2015 March 2015 Andy Ivory-Corr, QFA, Grad Dip, CFP Head of Investments New Ireland Assurance What exactly isMore information
Gerry Byrne Country Head Poland
Gerry Byrne Country Head Poland Bank Zachodni WBK S.A. ( BZ WBK ) and Banco Santander, S.A. ("Santander") both caution that this presentation contains forward-looking statements. These forward-lookingMore information
How Do I Qualify for a loan?
How Do I Qualify for a loan? Borrowing money is one of the most common sources of funding for a small business, but obtaining a loan isn't always easy. Before you approach your banker for a loan, it isMore information
Portfolio Investments Key Features
Portfolio Investments Key Features Including the Investments ISA IMPORTANT INFORMATION YOU NEED TO READ AND UNDERSTAND BEFORE YOU INVEST The Financial Conduct Authority is a financial services regulator.More information
how to finance the business
A DV I C E B O O K L E T how to finance the business HOW TO FINANCE THE BUSINESS Getting enough of the right funding is one of the more difficult tasks that you will face as a new entrepreneur. Typically,More information
UNDERSTANDING DEBT AND EQUITY CROWDFUNDING FROM A LEGAL PERSPECTIVE What Is Crowdfunding? In today s economy the term crowdfunding can take on many contexts but it is, by definition, the practice of fundingMore information
Ethiopian Institute of Financial Studies (EIFS) PROJECT FINANCE
PROJECT FINANCE With the growth in the economy and the revival in the industrial sector coupled with the increasing role of private players in the field of infrastructure, more and more Ethiopian banksMore information
Cost of Credit. How much is customer credit REALLY costing your business? Tips & advice for effective credit management
Cost of Credit How much is customer credit REALLY costing your business? Tips & advice for effective credit management Group UK The best advice any business can follow to ensure they do not experienceMore information

subset: commoncrawl


text:
Sony Ericsson K700i
Info Photos Reviews News Forum 100+
Average Ratings
The best SE has to offer yet!
I really liked it, seriously.
I've always had a soft spot for SE phones (maybe because the Ericsson part is swedish) but this phone really is a marrige of all the right things. TONS of room (43megs), lets you transport ANY media like a USB card, FAST bluetooth (4-5x faster than T610), mp3 ringsignals and player, video player, VGA camera and camcorder (lets you take video until memory, not just 30 second clips), a GREAT operating system, nice shortcut setup/tabs/call log/etc., screen is amazing.
The only thing I would complain about is connecting it to Mac OSX right now isn't optimized and the battery life is a little worse than the T6xx series (smaller battery). Otherwise this is THE phone to have.
Log In to rate this review or report it as inappropriate.
Great Phone could use some improvements
I have been owning this phone for about 6 months, my previous phone was the T616 I bought this phone because of the features it included: Video, MP3, Radio, Bluetooth, Infrared, Calendar, 3D Gaming, 40mb's of memory, the slick clean look.
Being the predecessor of the T616, T637 I was expecting the battery to be longer and not to drain so fast it will last me about a day of heavy use but my T616 would last 2-3 days using it about the same,
The BAD:
I've also had a couple of problems with the software sometimes when I tried using the camera to take pics or video the phone would just re-boot by itself without warning and I have to wait until it comes back to life again. Another thing that I didn't like after purchasing the phone was that it has no slot for additional memory. The third thing my T616 would have no dead spots in the building where I work and my K700i has had some dead spots where I can't use it to make calls or anything it just goes dead on the reception, nothing what so ever(Cingular)as with my T616 it was great service all over using the same Carrier.The number 5 button is a bit slow
The GOOD:
Music you can fit about one whole album into this phone, The Bluetooth is great I've never had a connection being dropped, computer, headset, other phone or anything, the Remote Control feature is great I use it for powerpoint presentations, gaming is great, fm radio present stations awesome, I haven't had any problems with slowing down or anything i have 345 numbers and emails stored in the phonebook and I sync with my computer just about every other day, the sync is very easy to use via Bluetooth.
Log In to rate this review or report it as inappropriate.
AD reviews continues below...
Pretty Damn Good!!
I have had 3 new phone over the last 2 months. I had the Moto V600, Nokia 6600 and this K700i. I usually like a flip phone but must flips dont offer what the other phone I look at had. I thought I would love the Moto V600 it was garbage!! RF issues, dropped calls, lockups...it blow!!! The Nokia 6600 was pretty awesome...but a boat anchor...too big, but I did like the feel of the keys even though they were small, joystick was great symbian 60 rocks good battery life!! Good phone over all, however my vehicle has bluetooth tied into the radio (Acura TL) and the 6600 was problematic with it so I went to the K700i, which works flawlessly with bluetooth no one yet does it better and I will argue that til im blue in the face. The battery life on the k700i blows, but doesnt bother me that much because I usually charge the phone up every night anyway. RF is better then the 6600 I have a stronger signal then I did with the 6600 and I dont drop calls where I did with the 6600 or v600 (Chicago T-Mobile) menus on the k700 are pretty fast and the screen is excellent!!! It's a nice small feel so it's easy to put in your pocket unlike the 6600. I use a bluetooth hs-810 moto headset...works awesome, 20 ft away no issues, and the bluetooth to the PC is very fast...much faster then my old 6600. Ringtones are excellent, speakerphone is good...no lockups either, I had a few with the nokia 6600 and way too many with that crap v600, motorola really dropped the ball with that phone. Overall the k700i is very good, but not perfect, the joystick needs a little work and so does the battery, I considered the 6230 but its a series 40, and the screen wasnt that good, not as sharp and the menus looked fisher-price like. But it is still a great phone I just think the k700i is a little better even though it doesn't have the MMC slot...which would have been nice. Sony has a winner on their hands here...I'm tough on buying a phone...and I went thru 4 before I came to this one.
Log In to rate this review or report it as inappropriate.
Excellent device
Recently I have upgraded my phone from Nokia 6600 to Sony Ericsson K700i (with the latest firmware update). This K700 is the best phone I ever had. The phone size is excellent (not bulky) and with the latest updated firmware, the speed of the games are superb (I heard that K700 has 3D java engine, wow... the games i've played are really great). I also like the screen resolution, it is very crisp.
I really enjoy my K700i. It is an excellent phone.
Log In to rate this review or report it as inappropriate.
This phone looks and sounds good to start off with but after about 3 months it starts to break down and not work properly. i got this phone and after 3 months the buttons didn't work and it was really slow i had 2 press the scroll button about 5 times to get it to where i wanted it 2 go. Also when the battery got down to about half way the phone just turned off. This phone is by far the worst from sony ericsson yet.
Log In to rate this review or report it as inappropriate.
my K700i
I have this phone for 2 months and its great
pros: great and loud mp3 player i like it,
i like the radio too, irda\bluetooth works great, good camera, the flashlight is good bright!
cons: battery life is good but can be better
overall is great phone battery not a big deal.
Log In to rate this review or report it as inappropriate.
ALMOST perfect PHONE
MY GOD at last after having a analog phone for almost a decade ericsson finally release a above exellent phone.. 3cheers for se, anyways for me every specs of this phone is great but i had just one comment the battery! my battery dies less than a die after full charging it, i saw the specs here battery should be on LI-Polymer but on mine it is Li-ion wow, is that correct or what, when i ask if theres a battery for Li-Polymer for my K700i,they say it is available only for t610 wow thats bad, also i need answers here somebody told me that a battery form nokia can be use for this phone it will last longer than the regular battery from ericsson is this a fact?anyone tried it?
Log In to rate this review or report it as inappropriate.
Have a question about this phone? Ask in the Forum ›


text:
Thank you for visiting our past auction result archives. If you have an item identical (or similar) to this auction lot, please call, write or contact us to discuss. We will be able to help you.
Lot # 1480 (of 1807) < Previous Lot | Next Lot >
1977-1979 Willie McCovey Pro-Model Bat
Starting Bid - $500.00, Sold For - $829.50
Willie McCovey H&B block-letter (full name) model "S2" bat dating from the 1977-1979 manufacturing period. This is an outstanding example. Ideally, McCovey's uniform number ("44") is written in black marker on the end of the knob. The bat, which is not cracked, displays excellent use along its entire length, including slight grain checking on the reverse of the barrel, several ball marks and stitch impressions, blue bat-rack marks, and a light coat of pine tar on the upper handle. Further distinguishing this bat is the fact that it features a "flat knob," which was frequently ordered by McCovey during the 1970s, as noted in his Professional Bat Ordering Record on file at the Louisville factory. A small white label bearing the year "1977" in blue ink, has been taped to the base of the handle. McCovey reached his most important career milestone during the 1977-1979 time period when he recorded his 500th home run on June 30, 1978. One of the greatest sluggers of his era, McCovey led the National League in home runs on three separate occasions and retired in 1980 with 521 lifetime home runs. He was elected to the Hall of Fame in 1986, which was his first year of eligibility. Length: 35.3 inches. Weight: 33.7 ounces. LOA from John Taube and Vince Malta of PSA/DNA. Reserve $500. Estimate $1,000/$1,500. SOLD FOR $829.50
(Click the smaller thumbnails to the left and right (if any) to cycle through each photo in the gallery of images for this lot.)


text: Millsy1 3 Posted August 19, 2012 after being at leicesters motorshow today with all new and old cars. i had a first real look at the new focus ST. many people have slated the way it looks..mainly in that yellow colour. but seeing it in black today, has made me like it even more. loving the looks..tempting to own one if i could. what does everyone think to the new 2012 ST? Share this post Link to post Share on other sites


text:
The Godfather - Karl Lagerfeld
Karl Lagerfeld is in a curious position that few ever experience. Like Lindsay Lohan, Amy Winehouse and many of the other spiralling starlets and models who've played muse for him, his every move and word is newsworthy. There are whole websites dedicated to his more outlandish quotes and he has played himself in 37 movies and television shows. He is known as the Godfather of fashion, or the Kaiser, and after a series of season spanning interviews with the designer, Oyster learned why.
Karl Lagerfeld is a legend in his own time; an icon whose signature powdered ponytail, high collar and skinny suit frequently pop up in Halloween costumes and cartoon parodies. He is highly recognisable and infinitely quotable: an eccentric figurehead for an eccentric industry. At one point or another, Lagerfeld has been blamed for every fashion ill. In the 1990s it was the promotion of anorexia. Nearly everyone has heard about that day (pre weight loss, no less) that he lowered his glasses, stared a feminist journalist right in the eye and told her "clothes look better on bones." Though while it is a great story, it never actually happened. Now the use of fur is his hot button issue, and he actually did defend the practice by suggesting "hunters in the north? make a living killing those beasts who would kill us if they could." When Lagerfeld makes such bizarre statements, or deadpans to a nervous interviewer that he "has no human feelings", it seems as if there might be a sense of humour beneath the icy exterior.
That humour certainly shone out in his latest collection for Chanel - serious and seriously elegant, its cravats, ruffles and ladylike tailoring was punctured in the middle by a set of several, graphically printed, skin-tight onesies. They clung to models' bodies like a series of sharp exclamation marks in the midst of a show that was otherwise so graceful it bordered on austere. Overall, the presentation felt like a modernist take on the Victorian mourning mode, infused with a lightness of touch that made its lace, slim lines and frills look less funereal. Oyster asked him if the past had been a major influence.
"No, what past, what past? There is no past," he told us, before slightly revising his claim. "It's the idea of a certain kind of past, it was the men who put men into dark suits with white shirts and white caps, instead of having the free, 18th century, colourful looks for men before. There's this alternate idea that's very Chanel, very powerful." Of the decadent and dramatic ruffles and cuffs that spilled like whipped cream down collars and sleeves, Lagerfeld explains:
"I only explored oversized to make it different and make a kind of jewellery out of it. But instead of in the past where it was a touch too short and sleek, this is all detachable and it's like a new kind of jewellery out of say wool, knit lace and everything."
On top of his work for Chanel, which includes Autumn/Winter, Spring/Summer Ready to Wear and Haute Couture collections as well as Cruise and Metiers d'Art, Lagerfeld designs fur for Fendi (a move which caused the PETA to throw pies at him in 2001; they missed and hit Calvin Klein), runs his eponymous label, has his K by Karl Lagerfeld diffusion line and frequently forays into the world of perfume. As you would expect from someone who holds down the equivalent of eight full time jobs, Lagerfeld has a lot to say when it comes to time.
"Only busy people find time," he tells Oyster. "You never ask someone who's doing nothing to help you or do something for you. Only busy people have time." After his Haute Couture show, a few months prior, Lagerfeld explained to us, "I don't carry around a watch that tells me how much time a collection takes and how much work it takes. You do what you can do, when you can do it. You know I am helped by marvellous people. It's teamwork. It's a job I love to do," he goes on to add, to our surprise, "I am lucky I can do it in the most perfect conditions with no budget restriction."
The first time we spoke to Lagerfeld this season, he was personally unfazed by the global financial crisis stating, "I was never told or asked about the recession, I don't know what it means. The owner of Chanel came to me and said, '2009 - no problem for you - you do whatever you want.' You know I don't care about budgets." Nonetheless, Lagerfeld is well aware of the effect the global financial crisis has on others and he utilises this distress as a motivation to make beautiful things. "I think feeling good about fashion is exactly what we need, because if you read the newspapers the feeling is not that happy," he told Oyster after his Ready to Wear show.
Despite the economic turmoil, Lagerfeld tells Oyster that the rich traditions of the House of Chanel will not suffer. "I only know the situation of Chanel; I don't know of the other houses. So, on general ideas of the business, well I only take care of my personal Chanel Haute Couture. Haute Couture will remain important for the image and for the prestige," he explains. This is fortunate because Chanel, as the world's largest employer of couturiers, is singlehandedly preserving many artisanal skills and practices (from hand beading and pleating to creating cloth flowers) that would otherwise be washed away by the tide of fast fashion and mass production. Indeed other Haute Couture houses have to go to Chanel's specialist staff to get certain pieces made or finished. "You know Chanel has the biggest Haute Couture clientele in the world," Lagerfeld assures us.
While fronting Chanel may be Lagerfeld's biggest claim to fame, it is his notorious eccentricity that has kept him in the public eye. Lagerfeld has a power and poise to him that his contemporaries, so frequently tanned and grinning, lack. He represents everyone's idea of fashion as a frosty industry. In short, Lagerfeld is profoundly intimidating. And yet, he is at his most captivating when he publishes a diet book that would be impossible to follow without a personal chef, talks about his 80-something strong iPod collection ("Metronomy, Franz Ferdinand, that's what I'm listening to most at the moment," he tells Oyster), or waxes lyrical on the style merits of Beth Ditto as opposed to Heidi Klum. He holds the weird firmly in his glacial embrace, and in doing so seems more human.
Karl Lagerfeld has spent years igniting both ends of the fashion spectrum. He is simultaneously preserving the craft of Haute Couture while he paves the way for high street fashion with his H&M collaboration and more recent diffusion line. Given what he has done for the industry, it's no wonder he's called The Godfather. Personally, however, he thinks the nickname might be understating it.
"I'm just a Godfather?" he laughs. "That's okay, at least I'm a very nice one."
Interviews by Katharina Kowalewski
Words by Alyx Gorman


text:
Even though you're not necessarily headed back to school, every grown woman has her go-to fall uniform. And when Labor Day passes and temps cool, she pulls it out. After months of long-weekends, pool time and beach getaways, this outfit should symbolize getting back to business.
Not sure which pieces to put together to kick-start the season? We're here to help!
1. Get The Look -fu1
In Your 20s
At this age, it's all about fierce accessories.
But first, pull together some staples as the foundation for your uniform: Skinny black jeans are a must, paired with a fitted black tank and topped with a tailored black blazer. These are your key pieces and since they'll be worn time and again, invest in either quality or quantity (i.e. one really nice pair of skinnies or several identical cheap pairs). If you plan to invest, the AG Stilt is a cult-classic. If you plan to dispose, try H&M and Forever21.
Next is jewelry. Follow Cassie's lead and layer mixed metals via big hoops, long chains AND stacked bangles on each wrist. Then add some drama with a killer set of heels in a bold color or print, like gray croc booties or cherry red pumps.
2. get the look-fu2
In Your 30s
Now's the time to go for sharpness in your style. So pick one article of clothing that will pop, and keep the rest neutral, in a shade of black, brown, navy or gray.
Shakira shines by combining black stretch jeggings tucked into black mid-calf boots, paired with a fitted, cropped jacket over a gold sequin tank.
With a top that catches and reflects that much light, jewelry should be kept minimal.
3. get the look-fu3
In Your 40s
For 40-somethings, fall is the perfect time to get suited.
Whether it's with a feminine skirtsuit like Salma Hayek's or a more trendy menswear-inspired style, a suit can be worn together or apart in countless ways to make a season's worth of outfits.
Pick a suit that flatters your figure. If, for example, you have an hourglass shape, go for a style that's nipped or belted in the waist. If you have a pear shape, look for a style with a strong shoulder to balance the hip. Shop not so much based on trends as based on body type.
Then dial up the sophistication factor by ditching the tees and tanks and instead opting for an array of tailored blouses you can swap in and out.
Finally, forget the booties and the big buckles and complete the look in ladylike pumps with an ankle or t-strap.


text:
As the comic book guru responsible for Spider-Man, the Hulk, and so many other iconic characters, Stan Lee has now signed for one of his most challenging projects to date: Bringing younger fans to the National Hockey League.
Lee and the NHL have joined forces for a partnership called the Guardian Project, in which Lee will help create 30 original hockey-themed superheroes, one for each professional hockey team. These characters, which will have possess powers representative of their city and franchise name, will be rolled out slowly until a larger unveiling at the NHL All-Star Game on January 30 in Raleigh, North Carolina.
"I've always believed that every great plan starts with a great story," Lee said in a statement. "In the creation of Guardian Media Entertainment and its unique and unprecedented relationship with the NHL, I truly believe we have the perfect combination from which to launch 30 new superheroes and excite young fans around the globe."
Oddly enough, the 30 Guardians will live in a world that exists outside of hockey, concocted from the mind of a 15-year-old fan named Mike Mason, and there will be as-yet-unnamed villains that the Guardians will … wait for it … band together and fight against! And their superpowers will have a direct connection to the team's name and history. For instance, the Philadelphia Flyers' Guardian will have the power of flight, the Calgary Flames' will be able to control fire, and so on. (Perhaps NHL commissioner Gary Bettman will be portrayed as some sort of underhanded, Wild West card shark, but dare to dream.)
It's part of a concerted effort by the NHL — which has trouble garnering viewers for even marquee events like the Winter Classic — to increase its appeal among tween boys and build a lasting foundational fan base. For that, the league has pinned its hopes on an octogenarian who is only six years younger than the NHL itself. Still, Lee's track record is legendary, and the league is so optimistic he can bring in new fans, it spent more than a year putting the deal together. Future plans include the introduction of video games and other merchandise centered around the Guardian franchise.
There's no word if, as part of the deal, the league's prized chalice will be re-christened the Stan Lee Cup, but if this joint venture blasts TV ratings and revenue projections through the roof, don't bet against it.
Image: Flickr/edwick, CC
Follow us on Twitter at @erikmal and @wiredplaybook and on Facebook.Go Back to Top. Skip To: Start of Article.


text:
One year on, Calder is running a flying school in Norfolk. But the past won't disappear. When a former colleague of Jen's vanishes while visiting Jean-Luc Martel, the infamous "Man Who Broke the Euro", in his mountain paradise in the Rockies, Calder sees the tragic events of 12 months earlier in an even more sinister and terrifying light.
©2005 Michael Ridpath; (P)2006 Isis Publishing Ltd
"Outstanding narration"
On the Edge is a good yarn - made into a real page-turner (to use old language) by The Art of Sean Barrett. What an amazing reader. With his seemingly nonchalant narrative presentation providing the firm ground, he peoples his story with very clear and present characters. Even the incidental figures comes to life.
Sean does this with such ease and subtlety that one doesn't even notice that the characters are 3D and in colour. And he know just when to up the tension of the narrative. Truly, he is a master-reader. The Predator preceded On the Edge, and See No Evil is going to follow it.
"a good thriller and very well narrated"
Michael Ridpath writes competent rather than great thrillers. His plots are reasonably well put together, usually with a financial markets dimension, and his characters are varied and plausible. But I dont think I would go out of the way to buy one of his books to read, as it were - there are better around.
That said, his books do translate very well to audio format particularly if you have a good narrator, and Sean Barratt is definitely worth his money on this one. I certainly enjoyed the book and would warmly recommend it.
"I enjoyed this book"
Slightly different from the usuall run of the mill adventure; well worth the read
I purchased this book after listening to see no evil which was excellent and I was not disappointed with this one either! Should have read this book first as the background fills in the gaps I was missing from the 2nd book.
Great listen and brilliantly read by the great Sean Barrett! Sadly there don't seem to be anymore either linked or narrated by Sean Barrett so disappointed now and will have to find something else to listen to.
"Very detailed about the financial markets"
I knew this was set with the backdrop of the financial markets, but I didn't expect it to be so detailed, giving blow by blow of transactions and the different ways of the market. Frankly I find this to be incredibly boring. However, the actual story was good, I still wanted to finish it and find out what happened, but in future I will read the synopsis more carefully before I tackle any of Michael Ridpath's books again. Sean Barrett is a superb narrator and covers different authors and types of stories so well, I do think he is one of my favourites!
Report Inappropriate Content
If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


text:
Novak and Andy's HEAD to HEAD Sunday.
Andy Murray and Novak Djokovic go HEAD to HEAD Sunday night in the men's singles finals of the Australian Open. This is their first time meeting in a Grand Slam final.
Both will wield a HEAD racquet. Djokovic, the new HEAD YouTek™ IG Speed MP, and Murray the HEAD YouTek™ Radical Pro.
Make a winning prediction on HEAD's Facebook page for a chance to win a signed racquet.
The final starts at 7:30 PM Australian Time 1/30. That means 3:30 AM EST US. Yikes. Can't wait.


text:
Trigger Warning:
Say you've got an obnoxious social justice sister (or brother, let's not be sexist here). Let's also say that said sister has decided to reproduce, much to your chagrin. Honestly you really don't think she should be breeding, but she's your sister and you love her, so you put up with her kids. Plus you think it's hilarious to sugar the hell out of them and send them back to mom.
|No, sis, there's no sugar in Pixie Sticks. I swear!
Now of course shopping for presents for these kids is a pain in the ass. Not because of the kids, of course. Kids are kids, and they're happy with just about anything that makes lots of noise and annoys adults. No, the real problem is your social justice sister. Seems like everything you get them offends her delicate sensibilities in some way. How can you possibly shop for something the kids will love, but that will leave your sister's sensibilities intact?
Worry not, dear reader, because Rebecca Ruiz over at Mashable has the perfect gift-buying guide for you:
Finding that balance is a challenge in itself, but gift-giving also increasingly means thinking outside of the (nicely wrapped) box so that you're not reinforcing messages about who should play with which toys. For instance, no matter how companies market their products, there's no reason boys can't play with dolls and girls can't play with building sets.
If that sounds too overwhelming, don't panic. There is a simple way to solve this problem: Consider your gift selection as a way to expand a child's universe.
This means not putting artificial limits on what you'd buy a child based on their gender.
"It's our job as parents and caring adults to widen all of the choices for girls and boys," says Andrea Bastiani Archibald, chief girl expert for the Girl Scouts of the USA.Okay, so we've got to expand a child's universe. Fair enough. I'm all for giving kids more choices to play with. Except for the fact that kids tend to naturally gravitate towards gender-specific methods of play. For example, I have some friends who have a daughter who's about 10 years old. Now this kid is just about the girliest girl you could possibly imagine. She loves make up, getting her nails done, and pink. So much pink. And zombies. She's kind of a strange one. The point is her parents didn't teach her any of that. They didn't go out of their way to push her towards boy toys, but they didn't steer her to girl's toys either. That's something she chose on her own.
It seems to me that we should be letting our kids choose what they want to play with rather than helping them choose toys that don't offend our sensibilities. If a boy wants to play with dolls or a girl wants to play with tools that's fine. Hell I had a few My Little Ponies when I was a little kid. My G.I. Joes rode them into battle. What we shouldn't do is push kids towards play choices that play into progressive sensibilities. Yet that's what Ruiz spends the entire article doing. It's not enough for the social justice warrior to let their kids make their own choices. They have to make the right choices.
The funniest moment in the entire article? The fact that it ends with probably the least self-aware quote of all time:
"The gift you give should not be a political statement," says Isaacs. "Ultimately, it's about a child's play and making the child happy."
|It sure is, buddy. It sure is.
Share your thoughts and comments below. Or follow me on Twitter @trigwarnblog, or check out my Facebook page.


text:
SBIR Phase I: Versatile In-Situ Engine Lubricant Health Sensor
Award Information
Agency: National Science Foundation
Branch: N/A
Contract: 1047396
Agency Tracking Number: 1047396
Amount: $149,949.00
Phase: Phase I
Program: SBIR
Awards Year: 2011
Solicitation Year: 2010
Solicitation Topic Code: NM
Solicitation Number: N/A
Small Business Information
800 North 350 West, #250, Salt Lake City, UT, 84103-1441
HUBZone Owned: Y
Woman Owned: Y
Socially and Economically Disadvantaged: N
Principal Investigator
Name: Feng Zhao
Phone: (801) 953-1049
Email: email@example.com
Phone: (801) 953-1049
Email: firstname.lastname@example.com
Business Contact
Name: Feng Zhao
Title: PhD
Phone: (801) 953-1049
Email: firstname.lastname@example.com
Title: PhD
Phone: (801) 953-1049
Email: email@example.com
Research Institution
Name: Stub
AbstractThis Small Business Innovation Research (SBIR) Phase I project will develop an innovative, cost-effective, oil quality sensor that can detect when and how engine oil becomes degraded, as an integral part of a smart engine health monitoring system. Current sensors typically work only with a specific type of oil or a specific type of degradation mechanism (e.g. metal fragments or water contamination) or indirectly infer oil condition from information such as engine run time. Presently no single, on-board, cost-effective sensor that will identify oil degradation from different sources is available. The new sensor will allow on-line monitoring to detect various modes of oil degradation by incorporating a suite of sensing capabilities on a single sensor. The broader/commercial impacts of this research are developments to on-board sensors that can continuously monitor engine health and alert the operator/driver when service is required. A smart engine will determine its optimal service interval and with information provided by the advanced oil quality sensor can avoid added cost of too frequent oil changes or increased engine wear from too infrequent oil changes. A reliable, cost-effective on-board oil condition sensor will be beneficial to the engine original equipment manufacturers as they can gain a competitive edge by reducing lifetime cost to their customers, and benefit the end users as their operation and maintenance costs are reduced.
* Information listed above is at the time of submission. *


text: Andries Brouwer wrote:> On Sun, Sep 14, 2003 at 01:26:21PM -0400, Jeff Garzik wrote:> > >>>This shows why defkeymap.c is not generated in the kernel build>>>but distributed.>>>>There is a difference between distributing generated files, and checking >>generated files into a repository... I do not advocate changing the >>tarball, just the BK repo behind it.> > > So you would like to remove defkeymap.c from the bitkeeper repository.> Can you briefly explain why?> I am not a bk user so have no feeling for what one would like bk to do.> > But it seems to me that if defkeymap.c is only a generated file when> no kbd headers have changed, while in the opposite case one needs a> private version of loadkeys until the next version of kbd has been> distributed, it is easier to regard it as part of the kernel source.defkeymap.c is _always_ a generated file. However, some environments lack the capability to generate it (properly).My motivation is not bitkeeper-specific: I dislike the practice of checking build-generated files into an SCM of any sort. That sort of stuff should be handled by the maintainer, when generating the release patches and tarballs. aic7xxx is another examplePackage developers (read: kernel hackers) are expected to have a correct environment to rebuild generated files properly. Package builders are only expected to have a minimal build environment, with stuff like configure scripts, yacc/lex output, defkeymap, and similar things pre-generated from a canonical source (the maintainer).The GNOME guys recognized this distinction between hackers and builders a long time ago. When you check things out of GNOME cvs, you get _just_ the sources. One must run ./autogen.sh to generate the autoconf/automake/libtool junk needed to actually build successfully. Jeff-To unsubscribe from this list: send the line "unsubscribe linux-kernel" inthe body of a message to email@example.com majordomo info at http://vger.kernel.org/majordomo-info.htmlPlease read the FAQ at http://www.tux.org/lkml/


text:
Martin Wants Permanent Move
On-loan Leicester goalkeeper David Martin has declared his interest to signing a permanent deal with the Foxes.
Martin, 23, was signed by manager Nigel Pearson in the summer from Liverpool on a one year loan deal.
Martin told BBC Radio Leicester: 'I'd love to stay at Leicester, it's a great club - when we get promoted if I could play in the Championship it would be good.'
The 'when' seems far too premature, but the player has kept clean sheets in half of his 26 appearances for the Foxes as they currently sit 10 points clear at the top of League One.


text:
Catholic News Service
• 'Black Nativity' is a rousing holiday musical drama
If you're tempted to bewail the absence of Christ from Christmas these days, you'll find the Lord right where he belongs, front and center, receiving praise and worship, in the rousing musical drama "Black Nativity."
In fact, redemption-centered Christian faith pervades the picture to a degree rarely seen in a mainstream movie.
That's just as well, since the urban setting of this adaptation and updating of poet Langston Hughes' 1961 song-play surrounds its characters with a host of ills from which to be saved. A case in point: the poverty besetting Baltimore single mother Naima Cobb (Jennifer Hudson). Read more »


text:
Broadway, a street rising majestically over the city, offers palatial properties almost as grand as its views of the bay. Maybe that's why this street is home to San Francisco's most pricey homes for sale.
There are 6 homes listed on the MLS right now priced at $10 million or more. All are in Pacific Heights, but half those listings—the most expensive listings at that—rest on Broadway.
Still, a breath-taking view, many thousands of square feet crafted from the finest imported materials, home theaters and wine cellars don't guarantee sales. The homes you're about to tour haven't found buyers, though in some cases they've been looking for years. They've dropped their prices, but remain out of reach for the vast majority. And those who can afford them haven't seemed very interested.
Why? Tour the 3 most expensive homes in San Francisco and tell us: when our high-end market continues to flourish, why won't these addresses sell?
1. 2835 Broadway $38,500,000 buys you over 14,000 square feet of yet to be completed Neoclassic mansion. That could be a problem: world class address, but no living room. Not that someone who could afford this mansion wouldn't also be able to finish its construction… Still, the home's been seeking a buyer for a lot longer than the 200+ days showing in its DOM figure. You're only seeing its latest tour of the MLS there, since it has been listed, delisted, and relisted (but never finished).
2. Down the road a piece is 2901 Broadway. This mansion, $500,000 less than its neighbor, boasts 8 beds, 7.5 baths, myriad library/den/drawing rooms and post card views. Also seems to come with its own helicopter landing pad. With 1800 days on the market, the current price of $38,000,000 is its 4th.
3. Finally, 2808 Broadway, a $25,000,000 stunner designed by Willis Polk. Includes a fully separate 2 bed/1 bath "staff apartment" along with the 4 bed/7.5 bath home for "non-staff." Rather lovely European courtyard and garden, hot tub, elevator, two kitchens—all the usual suspects as this price point. Yet the property lingers, with more than 60 days on the market.


text:
VITORIA BAY - General Cargo Ship
VITORIA BAY - IMO 9243825 - Details and current position
What is the ship's current position? Where is the ship located? VITORIA BAY current position is 23.56987 S / 43.34922 W on Mar 21, 2018 at 01:58 UTC.
Vessel VITORIA BAY (IMO: 9243825, MMSI: 710025520) is a general cargo ship built in 2003 and currently sailing under the flag of Brazil. VITORIA BAY has 160m length overall and beam of 24m. Her gross tonnage is 14357 tons. Below you can find more technical information, photos, AIS data and last 5 port calls of VITORIA BAY detected by AIS.
VITORIA BAY map position
VITORIA BAY AIS Data
VITORIA BAY Master Data
Last 5 port calls as detected by AIS
Are you interested in the sailing schedule of the VITORIA BAY ship?
The VITORIA BAY port of calls and sailing schedule for the past months are listed below as detected by our live AIS ship tracking system. Most recent port call is ITAPOA, BRAZIL. Currently the vessel VITORIA BAY is on her next destination to BR SFS>BR PML and the estimated time of arrival (ETA) is around Mar 21, 22:00. VesselFinder also gathers and keeps detailed information about ship movement history (e.g ship track) for the past 7 days (max). More detailed historical ship movement AIS records are available on request.
Web resources (VITORIA BAY)
VITORIA BAY current position and history of port calls are received by AIS. Technical specifications, tonnages and management details are derived from VesselFinder database. The data is for informational purposes only and VesselFinder is not responsible for the accuracy and reliability of VITORIA BAY data.


text:
BYU Football: Robert Anae Out, Cougar Coaching Shakeup BeginsDecember 30, 2010
BYU has just announced that offensive coordinator Robert Anae has resigned. The announcement states he will seek other opportunities.
Speculation has been oozing out of Provo in the weeks since the Cougars spanked UTEP in the New Mexico Bowl. The win gave BYU its fifth win in six games and helped the team recover from an awful start, which saw the team struggle on both sides of the ball.
Head coach Bronco Mendenhall fired defensive coordinator Jamie Hill after the Cougars lost to D1 doormat Utah State.
Now attention turns to the reorganization of the offensive staff where current quarterbacks coach Brandon Doman has received high praise from Mendenhall. There have also been rumors and speculation (primarily wishful thinking) about Ty Detmer returning to Provo to coach. Talk has also surfaced around former tight end Chad Lewis joining the staff.
The coming weeks will tell, but for now, Cougar fans can look forward to a new signal-caller, one they hope will be less predictable than Anae had become.
The timing of Anae's announcement and departure is likely fortuitous for him, as Mike Leach is expected to land a coaching job in the coming weeks. Anae coached under Leach at Texas Tech, and it's not a stretch to expect they may reunite.
Follow Ryan at twitter.com/SportsGuyUtah


text:
Thread: Fifa 10 update problem
06-19-2010 #1Kudos Guest
Fifa 10 update problem
I've got a PS3 debug version (official) and the game Fifa 10. However, upon opening the game it says there is a game update for Fifa 10 and downloads it. When I want to install the update I receive an error and the update is cancelled so I can't play online.
Anyone have a solution for this? I've already found out - thanks to this forum - how to add PSN friends and to access the PS Store so it would be great to have this last questions answered as well.
Thank you!
06-19-2010 #2CJPC Guest
Your issue may be the fact that it is trying to get the update via the NP (retail) servers. Go into the debug settings, and change the "NP Environment" to "sp-int" - if available, it will download the debug patch, then you should be off and going!
06-19-2010 #3Kudos Guest
Apparently there is no debug patch for Fifa 10 on "sp-int" as it doesn't download it. However, when I go back to my NP environment so I can play against my PSN friends it says I need the patch in order to play online. So this is an everlasting problem?
06-21-2010 #4itwong Guest
debug patches tend to disappear quickly on the sp-int server. Your best bet is to wait for someone to post it in the debug pkg section. you can also try other setting such as the Quality assurance network. For details, check CJPC's guide.
try "prod-qa" instead of "sp-int" and maybe you will find something
good luck