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Ratio analysis project with Capital IQ for MBA finance
Use and Significance of Ratio Analysis
The ratio is one of the most powerful tools of financial analysis. It is used as a device to analyze and interpret the financial health of enterprise. Thus ratios have wide applications and are of immense use today.
Managerial uses of ratio analysis
Helps in decision making
Financial statements are prepared primarily for decision-making. Ratio analysis helps in making decision from the, information provided in these Financial Statements.
Helps in financial forecasting and planning
Ratios analysis is of much help in financial forecasting and planning. Planning is looking ahead and the ratios calculated for a number of years a work as a guide for the future. Thus, ratio analysis helps in forecasting and planning.
Helps in communicating
The financial strength and weakness of a firm are communicated in a more easy and understandable manner by the use of a ratio. Thus, ratios help in communication and enhance the value of the financial statements.
Helps in co-ordination
Ratios even help in co-ordination, which is of at most importance in effective business management. Better communication of efficiency and weakness of an enterprise result in better co-ordination in the enterprise.
Helps in control
Ratio analysis even helps in making effective control of business. The weakness is otherwise, if any, come to the knowledge of the managerial, which helps, in effective control of the business
Utility to shareholders/investors
An investor in the company will like to assess the financial position of the concern where he is going to invest. His first interest will be the security of his investment and then a return in form of dividend or interest. Ratio analysis will be useful to the investor in making up his mind whether present financial position of the concern warrants further investment or not.
Utility of creditors
The creditors or suppliers extent short-term credit to the concern. They are invested to know whether financial position of the concern warrants their payments at a specified time or not.
Utility to employees
The employees are also interested in the financial position of the concern especially profitability. Their wage increases and amount of fringe benefits are related to the volume of profits earned by the concern.
Utility to government
Government is interested to know overall strength of the industry. Various financial statement published by industrial units are used to calculate ratios for determining short term, long-term and overall financial position of the concerns.
Tax audit requirements
Sec44AB was inserted in the income tax act by financial act, 1984. Clause 32 of the income tax act requires that the following accounting ratios should be given:
Gross profit/turnover.
Net profit/turnover.
Material consumed/finished goods produced.
Further, it is advisable to compare the accounting ratios for the year under consideration with the accounting ratios for earlier two years so that the auditor can make necessary enquiries, if there is any major variation in the accounting ratios.
The above discussion reveals that ratios are exceptionally useful tools. However they should be used with extreme care as they suffer from certain serious drawbacks, some of them are listed below:
False results
Ratios are based upon the financial statements. In case financial statements are in correct or the data of on which ratios are based is in correct, ratios calculated will all so false and defective. The accounting system itself suffers from many inherent weaknesses the ratios based upon it cannot be said to be always reliable.
Limited comparability
The ratio of the one firm cannot always be compare with the performance of other firm, if uniform accounting policies are not adopted by them. The difference in the methods of calculation of stock or the methods used to record the depreciation on assets will not provide identical data, so they cannot be compared.
Absence of standard universally accepted terminology
Different meanings are given to a particular term, egg. Some firms take profit before interest and tax; other may take profit after interest and tax. A bank overdraft is taken as current liability but some firms may take it as non-current liability. The ratios can be comparable only when all the firms adapt uniform terminology.
Price level changes affect ratios
The comparability of ratios suffers, if the prices of the commodities in two different years are not the same. Change in price effect the cost of production, sale and also the value of assets. It means that the ratio will be meaningful for comparison, if the prices do not change.
Ignoring qualitative factors
Ratio analysis is the quantitative measurement of the performance of the business. It ignores qualitative aspect of the firm, how so ever important it may be. It shows that ratios is only a one sided approach to measure the efficiency of the business.
Personal bias
Ratios are only means of financial analysis and an end in itself. The ratio has to be interpreted and different people may interpret the same ratio in different ways.
Window dressing
Financial statements can easily be window dressed to present a better picture of its financial and profitability position to outsiders. Hence, one has to be very carefully in making a decision from ratios calculated from such financial statements.
Absolute figures distortive
Ratios devoid of absolute figures many prove distortive, as ratio analysis is primarily a quantitative analysis and not a qualitative analysis.
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There are various opportunities to earn while sitting in your homes without any investment. All you need is your PC and there must be an internet connection. If you have these two then you are now just few steps away from starting your career online. Following are the five easiest ways to earn online without any investment. Earn by …Read More »
Tag Archives: online earning
Top 5 easiest ways of online earning for high school students
We are living in the world where to fulfill the basic needs of a person it is necessary to be a self made person. If everybody understands that they have to raise a family tomorrow then everyone should be responsible and self established. A successful man is one who is judicious and can predict his coming future. Young minds are …Read More »
Top 5 easiest ways of online earning for the females
This is 21st century and it is an era of earning and living. Now-a-days people are struggling hard to earn and to fulfill the basic needs of their families. In such an extortionate world, both members of the family should earn. In our country people hold single man responsible for raising a family consisting of more than eight or nine …Read More »
Matte Barrie-Personality of the week
Matte Barrie is an Australian born entrepreneur ,who is the owner of hugely popular website Freelancer ( www. freelancer.com). Right from his childhood ,he was very talented and skillful person,as he acquired his first website named (www.packetstorm.com) just at the age of 25.Then in 1994,he and his team won the Australian National Universities Programming Championship. Matte Barrie did his …Read More »
Top 5 tips to sale product on eBay
The people who are victorious in selling items on eBay have some of the things widespread in them. They may well not sell a lot of mass but they sell superiority which attracts more people for future sales. It is repeatedly seen that people put up auctions for their items and the same items trade for a good deal less …Read More »
Top 5 websites who pay for story writing
Writing Fiction can be tremendous fun. If you happen to have a vivid imagination and a flair for writing, them what more could you want. But the past part is yet to unveil itself. Although writing for oneself is satisfying, yet if you get paid for your favorite past time as well, then I reckon this is what we …Read More »
Top 5 websites to earn money by just sending or receiving messages
In these times of ever escalating expenses , each of us would like our income to expand , in direct proportion to the expenses. Therefore evidently no one would refuse an avenue which adds some amount to your budget , with little effort on your part. Although SMS marketing is a new trend , yet it has grown rampantly popular. …Read More »
Top 5 easiest ways of earning money online
A little extra amount added to your usual budget is always welcome. Perhaps there was something you wanted to buy but budget constraints were hindering you or perhaps you are looking forward to start your saving account. Whatever the reason might be, following are some easy and simple ways to improve your earning capacity through earning money online up …Read More »
Personality of the Week-Pete Cashmore
Pete Cashmore,the CEO of Mashable was born on September 18, 1985. Mashable is a complete source for getting latest updates about the upcoming and current technology events.He started Mashable just at the age of 19 in the year 2005. He always had a passion for sharing the tools , the information of social networking and web tools that transformed the …Read More »
Top 5 most lucrative online jobs for Educated housewives
Nowadays in the age of depression and recession,everyone is worried about his/her earning capacity and educated housewives are no different.They need a reasonable earning source to support their male partners. This article will be very helpful for the educated housewives to discover some profitable online earning ventures they can work into. Blogging When it comes to earn through online …Read More »

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Linking Missouri's Businesses to the Right Resource at the Right Time
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Discover if you have what it takes to be an owner by assessing your strengths and weaknesses.
Learn how to assess the industry, market and competition. Discuss legal and regulatory requirements.
Find successful writing techniques that appeal to lenders/investor. Learn the importance of a business plan
Identify sources of funding. Receive a start-up Manual
***If you are a dislocated or laid off worker registered with jobs.mo.gov, you could attend this workshop at no cost... Please call (314) 657-3768 for details
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Crop Protection>Herbicide Weed resistance management in three steps Mar 06, 2012 Rodney Schmidt, Midwest row-crop manager for Bayer CropScience, explains the three major steps he recommends for managing weed resistance, a hot topic at Commodity Classic 2012. 0 comments Hide comments Comment * More information about text formats Text format CommentsPlain text CommentsAllowed HTML tags:

Plain textNo HTML tags allowed.Web page addresses and e-mail addresses turn into links automatically.Lines and paragraphs break automatically. PublishLog in or register to comment Save Leave this field blank RelatedNew CoAxium Wheat Production System offers option in herbicide resistanceMay 24, 2017AGCO parts revamps Sprayparts.com for faster, easier online orderingFeb 28, 2017Dow AgroSciences, MS Technologies receive patent for unique gene insertion in Enlist E3 SoybeansFeb 22, 2017Nufarm teams up with John Deere FinancialJan 24, 2017 Load More


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It's no surprise, B2B eCommerce is growing. And it's growing fast! Last year, Forrester Research projected that B2B online sales would surpass $1.13 trillion by 2020. There are no more excuses to stay offline even for B2B merchants. Of course, there is a price to pay and a change to plan. But should you doubt the return on investment, read the following possible insights and outputs of an investment in B2B eCommerce.
Look around. Your competitors probably already have or at least are planning to have an eCommerce platform soon enough. Why? Continue reading.
Technology and ease to go online
Today, many eCommerce platforms have already adapted their technology to support most of the coveted functionalities a b2b merchant would want or need. In fact, Magento, the largest open source eCommerce platform available, now promotes and offers b2b solutions in order to help businesses commercialize their products online. At Novatize, we use Magento in the B2B industry to help our clients offer unique experiences to their customers. See the Altrum Recognition case study for example.
Cost effectiveness, efficiency and your employee's well-being
Make no mistake, some people will tell you that B2B eCommerce allows you to make some cuts and lay people off. While that can be an actual goal in your organization, the main objective of implementing eCommerce into a B2B organization is not to let go people, but rather to change the way they work in order to increase efficiency, therefore profitability.
One of the many things we noticed at Novatize when implementing eCommerce solutions is that Suzie, the person responsible for receiving the calls and filling in the customers' orders in the system, now answers an online chat and helps customers find what they're looking for online. She also has the ability to open accounts twice as fast as before and no longer has to process orders. Instead of having a robotic job and completing order forms all day long, Suzie is now responsible for offering your customers the best service available. And guess what? She'll be happy to do it.
Please your customers
Better customer service will surely please many of your clients. However, a few other things when implementing online solutions for your customers will make them even happier. Here are some of those, just to name a few:
- 24-hour access to make an order (obvious I know, but great for international/offshore customers);
- Order history and re-ordering possibility for customers who require similar articles frequently (ex. Office supplies, Food, Consumables and cleaning products);
- Shipment tracking;
- Online customer support;
- Loyalty programs (ex. Referral programs, Cashback, Volume discounts, etc.);
- Overall faster experience and autonomy;
- Your investment in innovation will increase your brand awareness and credibility.
The "Now factor"
With Alibaba making its entry in America last year, the distributor is now educated to buying online even for large quantities. People invest in technology; they trust technology. The 5 year ago excuse "My customers won't want to make the switch" is dead. They are waiting for it and you have to give it to them or they just might go find it elsewhere.
Another great fact that allows businesses to secure their investment in B2B eCommerce is that tech firms are aware of the B2B online potential and are investing a lot to develop solutions for that matter. Technological solutions are stable and challenges are more and more known so we can overcome them. For example, a B2B merchant often might need to use multi-level user access for its customer accounts. This kind of functionality has been developed by Novatize and is also available on the market for certain types of eCommerce platforms; Magento, for instance.
Reaching new markets
As it is true with B2C eCommerce, an online eCommerce solution allows your organization to reach new markets. The cost of testing a new market online is so low! Depending on your industry, you can test a new market for an approximate 1.5K$ per month if your platform is already up and running. It's now easier than ever to calculate the return on investment of this investment. Well, that's a no-brainer: an (almost) risk-free investment to test a new market. Imagine a brick and mortar single store that can now sell its products internationally. You can apply that concept to a much larger scale organization.
Knowing where to expand
Your organization might be interested in acquiring assets and real estate throughout its expansion. But where do you go next? Well, the answer lies in your ability to reach new markets online. eCommerce is the easiest and one of the most precise way to know where to open your next point-of-sale. With the information available from your customers and visitors on your platform, you can easily spot the area where you generate the most sales, have a greater number of customers or even potential customers!
Faster and supported growth
The time-to-market to expand is now almost negligible online. With the previously stated elements (reaching new markets, knowing where to expand, cost-effectiveness and technological maturity), growth can be supported way more efficiently.
Financial aid
Following the "Now Factor", governments and organizations are now funding eCommerce projects to help retailers and manufacturers make the switch to digital commercial activities. In the province of Quebec for example, here are some of the programs your organization might benefit from:
- Tax Credit for the Integration of IT in SMBs (http://www.investquebec.com/quebec/en/financial-products/smbs-and-large-corporations/tax-credits/tax-credit-for-the-integration-of-IT-in-SMBs.html)
- Incentive "Manufacturiers Innovants" (http://www.manufacturiersinnovants.com/#les-solutions-financieres)
- BDC – Offering financing to businesses for integrating technological solutions (https://www.bdc.ca/en/pages/home.aspx)
- MESI – Offering many programs for innovation (https://www.economie.gouv.qc.ca/objectifs/informer/recherche-et-innovation/strategie-quebecoise-de-la-recherche-et-de-linnovation/)
- Emploi Quebec – Providing subventions when implementing a new technological solution that requires personnel training (http://www.emploiquebec.gouv.qc.ca/entreprises/investir-en-formation/programmes-de-developpement-de-la-main-doeuvre/mesure-de-formation-de-la-main-doeuvre/)
B2B eCommerce is thriving. Now is the time to not only get in the game, but to step it up with digital strategies to attract new customers and test new markets. At Novatize, we are devoted to the success of your eCommerce project and to maximizing your return on investment. Don't hesitate to contact us if you want to chat more or learn more.


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Perfect for your sparkling winter wonderland themed wedding invitation. 2 layers of shimmering cardstock (shimmer silver and shimmer white) is adorned with hand-painted "fairydust" that gives the appearance of falling, sparkling snow. The font colours can be altered to suit your particular wedding colours if desired.
Discounts are applied for orders with over 100 invitations. If you are ordering more than 100 invitations, or wish to add any upgrade options, please contact us for a custom invoice. You can contact us at email@example.com
- Invitation as shown (or with font colours changed)
- RSVP card printed on matching stock
- RSVP envelope
- Mailing envelope
- Free return address printing included for orders over qty 100
Consultations are offered for this particular invitation. Please book your FREE consult with our online appointment scheduler. CLICK HERE
Shimmer envelopes, guest address printing, additional inserts, translation cards, map design and much more! Please CONTACT US for a custom invoice if you would like to order any upgrades.
Minimum order qty for this design is 50 suites. This suite is sold in multiples of 10.
Simply select "Just a Sample" at checkout and we'll mail you a stock sample, shipping on us! Samples are not customizable - but if you have colours that you'd like to see, please mention it in the notes section of your order and we will include swatch samples at no extra charge. Samples will be shipped with standard, un-tracked postage. Please let us know if you require your sample in less than 2 weeks' time so we can set up a custom invoice for you with tracked service.
If you require upgrades or different colour options, contact us for a custom invoice and we will give you more information on how to order.
If you want to purchase this invitation as-is, please simply check out through this listing with the number of suites that you need. Then click HERE to fill out the "details, details, details" form and read over our "order process guide". This will give us the information we need to create your digital sample and make sure you understand the terms and conditions of the order.
Submit your order --> Receive Digital Sample --> Request changes as necessary ---> Sign off on Digital Sample Approval Form --> Pay any outstanding balance if you have only paid a deposit --> We ship it to you ---> You enjoy!
4-6 weeks (on average) please contact us prior to ordering if you are on a tight timeline!


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Climate Disclosure Standards Board
Communicating climate change
in mainstream reports
Climate Disclosure Standards Board (CDSB)
Climate change presents risks and opportunities to companies, investors and society. We need more and better disclosure to make sense of these risks and opportunities. While many companies have begun reporting publicly on some of their climate change impacts and strategy, these disclosures need to integrate with mainstream financial reporting.
The Climate Change Reporting Framework, issued by the Climate Disclosure Standards Board (CDSB) in 2010 and updated in 2012, provides a new basis for reporting on climate change specifically for investors. We developed and wrote a User Guide to the framework, designed to help reporters understand the concepts and processes that comprise the framework, and demonstrate good practices.
The user guide focuses on a simple four-step process:
Evaluate what climate change disclosures to include in a mainstream report
Set a clear foundation as you develop the content
Collect the most useful disclosures for investors, and ensure they are comparable, positioned correctly in a report, and can be adequately interpreted.
Check the disclosure is accurate, complete, reliable and relevant


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Californian state authorities are now appealing to the members of the public to help it identify the people who have resorted to killing sea otters in the southern sea. Over the last 15 days, at least four sea otters have found dead in Santa Cruz. Initial examinations reveal that the otters had been shot.
Among the otters shot, two were juvenile males while the rest were adult females. The U.S Fish and Wildlife Service fears that more otters, which are yet to be documented, could have been shot over the last one month. The officials also suspect that another otter might have been shot last week. The otters were washed up along the Californian central coast and must have been killed three days earlier.
The authorities will award up to $10,000 to anyone who has helpful information that could lead to the arrest of the people behind the fatal attacks on these sea mammals. The authorities gave a hotline to enable anyone communicate with them promptly. They encouraged callers to remain synonymous for their own safety.
Otters are carnivorous mammals. They are marine-based with main diet consisting of fish, and other invertebrates such as crabs and frogs. The Californian otters are well known to navigate the sea waters between San Mateo and Santa Barbara. The animals are protected by the Endangered Species Act and the Californian state law. If one is found guilty of killing a sea otter, he or she may be liable for a fine up to $100,000 or a jail time exceeding 12 months. The animals were listed by the federal government as endangered species in 1977 after they were strongly hunted for fur. According to US Fish and Wildlife Service, there are only 3,000 otters remaining in Californian waters.
In 2013 alone, more than four otters were killed, an act that was widely condemned by authorities. Unfortunately, no one was persecuted following the shootings. The state is now appealing to anyone who might have information on the people responsible, or anyone who finds another dead otter to report to the California Department of Fish and Wildlife.


text: Getting your mortgage refinanced can be a daunting prospect, but you don't need to go it alone. Using this refinancing calculator, Lynnwood mortgage loan officer David Haley can get you a refinancing quote and work out a plan that recognizes all of the particular nuances of your case. Fill out the appropriate information here and you'll be on your way to refinancing into a new loan that works for you.


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BHP Billiton recently announced that they plan to sell their US onshore shale assets, which include assets in the Permian, Eagle Ford, Haynesville, and Fayetteville. More than 800,000 acres of unconventional oil and gas is on the table with initial valuation estimates approaching $10 Billion according to some banking sources. As potential acquirers evaluate the opportunity to pick up significant positions in some of the best onshore shale plays, it's a good time to look at historical results on and near BHP's acreage.
Looking at wellhead breakeven prices for BHP's individual wells across their operated acreage and the regional averages for all operators shows that in general BHP's acreage is competitive, particularly their Delaware and Haynesville assets. BHP's average oil breakeven in the Delaware is $44 WTI, over $10 lower than the all-operator average. In the Haynesville, BHP's average breakeven is $0.35/MMBtu less than the basin average. Only their results in the Eagle Ford are currently above the all-operator average.
Read more: https://btuanalytics.com/shale-sale-how-do-bhps-assets-stack-up/
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FaithKids and Children's Choirs
During the school year, children age 3 through 2nd grade are invited to join Sonshiners Choir and FaithKids, our mid-week ministry with children: Wednesdays, 6:30-7:30pm.
Come sing with your friends, then stay for a Bible story and faith-forming activities. Nursery care is available for younger children.
Older children (grades 3-6) are encouraged to join the Kids of the Kingdom choir, Wednesdays, 6:30-7:45pm.
COME EARLY for dinner in the Social Hall, 5:30-6:30pm (weekly starting again September 13, 2017).
All welcome, whether connected to Hilliard UMC or not!


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So there's this little game called Titanfall. Perhaps you've heard of it? For nearly a year, its been heralded as the first killer app of the new console generation. drawing comparisons to the original Halo. We'll find out if Titanfall lives up to the hype next week. In the meantime, we've got season pass details and a bombastic launch trailer. Read on for the details.Read more »
It's been just over four months since the last Arkham game, Batman: Arkham Origins, was released. But the bat signal has gone up once again over Videogameland, and Rocksteady has answered the call. The studio that finally proved that not every Batman game has to suck is back with its biggest adventure yet. Read on for all the Arkham Knight details, and to watch the debut trailer.Read more »
The first few years of every console generation are filled with ultimate enhanced remastered definitive super deluxe editions of games which were originally released on older hardware. Bioware is the latest developer to consider releasing an updated version of a popular game; revealing that they've discussed the possibility of reissuing their Mass Effect trilogy for next gen consoles. Read on for the details.Read more »
Hey, wanna voice a character in Dragon Age Inquisition? Well, of course you do! What a silly question. But only professional actors (and the occasional journalist and/or astronaut) get to voice video game characters, right? Wrong! Bioware has recently unveiled a contest which would give you the chance to voice a character in the upcoming Dragon Age: Inquistion. Read on for the details.Read more »
We're now just a week away from the launch of Thief, and you all know what that means. Yes, it's launch trailer time. So gather around, and gaze upon the Eidos marketing department's last, best hope to get us interested in this game. They've pulled out all the stops with this one. There's glowing eyeballs, exploding arrows, and one very topless tiger woman. I'm serious. Read on to see her for yourself.Read more »
Get Pysched. Bethesda has announced a release date for their new entry in the Wolfenstein series, The New Order. They've also unveiled a new trailer that gives us our first detailed look at hero BJ Blazkowicz and the dystopian alternate history he's tasked to save. Oh, and pre-ordering gets you access to the DOOM beta. So there's that too. Read on for the details.Read more »
Let's get one thing out of the way straight away – I'm not a fan of multiplayer FPS games, and I am not someone who gets excited about challenging, engaging, player vs player multiplayer maps. I have my feet very firmly planted in the 'single player is king' camp. With that said – I had a damn lot of fun with Titanfall, and based on the strength of what it offers to players, it just might be the killer console seller than Xbox One is looking for.Read more »
Last year, Crystal Dynamics rebooted the Tomb Raider franchise with the origin story of a young Lara Croft. Over the years from the beginning of the franchise, Lara had become an A-lister amongst gaming characters, but only now through experiencing this story of her first archaeological expedition does her character feels like it has a soul. Although it was surpassed by BioShock Infinite, The Last of Us and Grand Theft Auto V for many Game of the Year titles, Tomb Raider was nonetheless an exceptional game with a strong story and impeccable gameplay, originally receiving a 9/10 on Save Game. […]Read more »
We're all pretty much monsters waiting to happen under the right circumstances aren't we? This new Dying Light trailer focuses on what everyone, survivors and zombies included used to be. And my stars, it's all very chilling and disturbing.Read more »
I know… shocking, right? Activision Blizzard released their quarterly and yearly earnings report today, and 2013 was another very good year for Call of Duty. The latest game in the series, Call of Duty: Ghosts, dominated the sales charts. And last year's Black Ops 2 continued to perform well. Not exactly news, I know. But there were a few interesting gems buried in the report. Read on for the details.Read more »


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Lets Get Started
We are esteemed manufacturer, supplier and exporter of all efficient range of Automotive Batteries in Hisar, Haryana, India. These batteries are widely used in vehicles for powering the starter motor. The provided batteries are precisely manufactured at our technologically-advanced manufacturing unit with the aid of avant-garde technology and the finest quality components procured from reliable vendors of market. Moreover, these Automotive Power Batteries are globally treasured owing to its high functionality and can be availed from us at market leading prices.
Last updated on : 03 August 2018


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Refine your search
Children welcome from any age.
- Radio
- Television
- Tea/coffee making in bedrooms
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- Lounge for residents' use
- Private parking
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- Totally non-smoking
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Children welcome from any age.
Self-Assessed Accessibility Details
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Public Areas
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- Separate shower unit
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- Meals for guests with special dietary requirements can be provided:
- Vegetarian


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Suites at Ana y Jose Charming Hotel & Spa redefine charm and style as they offer 23 magnificent suites.
Ahau Tulum is an environmentally conscious Resort and Guest House offering its magical experience.
This property is inspired by the Mexican cinema era of the 50's, creating an atmosphere of romanticism from the time
Imagine the Caribbean Sea, a beachside cabana without electricity or telephones, only the sound of birds.
Located between the Tulum National Park and Sian Kaan natural reserve, facing the sea, is the preferred hotel...
This property is 1 minute walk from the beach. Offering a beautiful setting on Tulum Beach, Amansala features charming accommodations a 5 minute drive from the famous Mayan ruins.
In a magnificent setting, surrounded by turquoise waters, fishing boats, seagulls, the hotel is in itself a pictorial sample of what is Tulum...
Be Tulum Hotel has been created with all the charm and quiet of nature, preserved in 20 suites.
Koren Tulum is a temple of health and beauty devoted to the fine art of indulge and relax our guests.
At Cabanas Los Lirios you can enjoy spacious gardens and lovely common areas, and swimming pools.
Hip hotel is a stunning Eco-Resort built on one of the most breathtaking beaches in the world.
We are a small family business that allows us to offer quality services to our customers throughout the year.
Situated at the middle of the diverse vegetation of the rainforest, turquoise waters and salty whitest sands.
Tita tulum is located on the road tulum ruins-punta allen, about 15 minutes by car from Tulum ruins.
Featuring free WiFi and a restaurant, Hotel Tiki Tiki Tulum offers accommodations in Tulum. Guests can enjoy the on-site bar. Free private parking is available on site.
With their unique style are for the people that are looking for a place where you can walk on silent.
Features basic accommodation services, comfortable cabins, and ecological villas.
The new Coral Tulum hotel, located on the beautiful beaches of Tulum is a beautiful hotel of 20 rooms that will captivate ...
The Posada Dos Ceibas is situated on the pristine beaches of Tulum, a short distance from Sian Ka'an Biosphere.
Tulums is more than a place to visit -- it is a natural wonder, a magical state of mind, an ancient Mayan city.
The eco hotel Boca Paila & fishing club is located in the ecological reserve of Sian Kaan.
This charming, family-friendly hotel is located in a breath-taking setting, rich in tropical vegetation.
Playa Kin Ha is a small ecological hotel in the tulum beaches, 15 minutes drive from tulum ruins.
Punta piedra is located on the beach of tulum 5 minutes south tulum ruins and 10 minutes from tulum dowtown.
Has 8 rooms with private balcony where you can enjoy an amazing view of the Caribbean sea.
Small beach cabana hotel with thatch roofs and colorful tile décor – is pure jungle luxury with a splash of sea.
Zazilkin is the prefered hotel, this cabanas offer to their clients rustic cabanas with concrete floor.
Om Hotel Tulum and cabañas is an eco hotel and its located a few kilometers south tulum ruins.
Imagine at cabañas Tulum an unforgettable ocean front view. Just open your door and step.
Small quiet hotel located on the beach only 10 minutes south tulum ruins 15 minutes from dowtown.
Playa Esperanza - Cabañas Celia Cruz these cabins are located in the beach area behind the house Josefa.
Have rest areas, hammocks and even a grill meats. With easy access to the beach. Cabañas without bathroom.
This rustic style hotel is surronded by green vegetation and a beautifull beach.
Vita e Bella Tulum, is located in one of the most beautiful beaches of Tulum just a few meters south of the Tulum ruins less than...
Casual, tranquil, secluded and relaxed, Sol Caribe is a small, exclusive, beachfront resort with private cabañas and suites...
Mayan ruins and tropical vegetation combined with the beautiful caribbean ocean, is where you will find "Hotel Calaluna Tulum".
Zama Village offers accommodations in Tulum, just 25.7 km from Akumal. The property is 45.1 km from Punta Allen and free private parking is provided.
Featuring free WiFi, Nueva vida de Ramiro offers accommodations in Tulum.
Hotel nómade with a contemporary style that forms a habitat for those who want to live with nature, friends and learn surrounded by mother nature.
It is a rustic hotel where you can breathe tranquility, it is the ideal place to rest and forget about your job!
Maya cabañas & cenote its located on the hotels beach área few steps from the beach, you can go easy to ziggy beach.
The jashita hotel is located in front of the sea in the solyman bay north of the ruins of Tulum, very close to the cenote two eyes...


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Random House, Penguin Leading Paperback Fiction Category
Related Articles
- Random House, Penguin Group Nearly Deadlocked on List. // Book Publishing Report;8/7/2006, Vol. 31 Issue 30, p7
The article reports on the scorecard of publishers based on the success of their published books in the U.S. Random House Inc. has 21 titles that lasted for 90 weeks, headed by "Godless," by Ann Coulter. Penguin Group USA Inc. has 18 of its books that topped for 87 weeks with "Conservatives...
- NYT Paperback Fiction List Features Host Of New Titles. // Book Publishing Report;10/18/2004, Vol. 29 Issue 40, p7
Reports on the results of the paperback fiction bestseller list of "New York Times." Rank of the publisher Random House Inc. in the list; Total number of titles from Penguin Group USA Inc.; List of books published by Simon & Schuster Inc.
- Older Titles Still Ruling Paperback Nonfiction Category. // Book Publishing Report;12/13/2004, Vol. 29 Issue 48, p7
This article reports on several publishers of the U.S. Titles that have been published months or even years ago are still dominating the December 12, 2004 New York Times paperback nonfiction list, with few new titles in top 10. Random House Inc. is the number 1 paperback nonfiction publisher,...
- Random House on Top of NYT Hardcover Fiction List Again. // Book Publishing Report;Feb2007 Supplement, Vol. 32, p1
The article focuses on the domination of publisher Random House Inc. in the hardcover fiction category list for the third consecutive year. Random House led with 65 titles and is followed by Penguin Group USA Inc. with 37 titles including Nora Robert's "Angels Fall." Simon & Schuster Inc. ranked...
- Random House Tops Paperback Nonfiction List for Another Year. // Book Publishing Report;Feb2007 Supplement, Vol. 32, p6
The article focuses on the domination of publisher Random House Inc. in the paperback nonfiction list category of the "New York Times." Random House held 20 book titles including author James Frey's "A Million Little Pieces," which led for five weeks. Penguin Group USA Inc. ranked second with 12...
- Random House Overtakes HarperCollins As Top Hardcover Nonfiction Publisher. // Book Publishing Report;Feb2007 Supplement, Vol. 32, p8
The article focuses on the domination of publisher Random House Inc. in the 2006 hardcover nonfiction list category of the "New York Times." After having only 23 book titles in 2005, Random House had 38 titles including seven various titles which reached the top spot in 2006. Penguin Group USA...
- 2004 Paperback Nonfiction Bestsellers By Publisher. // Book Publishing Report;1/17/2005, Vol. 30 Issue 2, p8
This article presents information on the list of publishers for paperback nonfiction in 2004 in the U.S. Some of the publishers listed are Random House Inc., Broadway, Three Rivers, Anchor, Vintage, Ballantine, Dell, Knopf, Simon & Schuster, Penguin Group USA Inc., Berkley Plume, Putnam, Dutton,...
- NEW YORK TIMES BESTSELLER SCORECARD THE TOP 10 PUBLISHERS. // Book Publishing Report;12/22/2003, Vol. 28 Issue 49, p7
Presents the "New York Times" Bestseller Scorecard for the top ten publishers as of December 2003. Random House; HarperCollins; Simon & Schuster; Penguin Group USA.
- 2004 Paperback Fiction Bestsellers By Publisher. // Book Publishing Report;6/14/2004, Vol. 29 Issue 22, p8
This article presents al list of several top book publishers, alongoeth the number of their bestseller books, for the week ended June 13, 2004. The publishers included are Random House Inc., Penguin Group USA Inc., Simon & Schuster Inc., and HarperCollins Publishers Inc.


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Transform your photos into one-of-a-kind, hand painted masterpieces!
by Alfred Ng
Parrot Tulips by Alfred Ng - 8.000" x 6.625"
Acrylic Print
Hanging Wire
Assembly Charge
Acrylic Print
Parrot Tulips acrylic print by Alfred Ng. Bring your artwork to life with the stylish lines and added depth of an acrylic print. Your image gets printed directly onto the back of a 1/4" thick sheet of clear acrylic. The high gloss of the acrylic sheet complements the rich colors of any image to produce stunning results. Two different mounting options are available, see below.
Ships Within
2 - 3 business days
Ships From
Atlanta, GA
Wonderful, wonderful, wonderful work Alfred. I'm amazed by your unique and magical collection. Such a vast array of great work.
Oh, that's amazing!
Alfred Ng replied:
Thanks so much Olga!
Thank you!
wonderful painting.top art ,amazing beautiful
Thank you Kenall and Rebecca! the background was done in the wet on wet which is pretty easy to do in watercolor.
This is simply the best watercolor I have seen... and just how did you perfect the blurred background? BEAUTIFUL !!!
Wonderful flowing space and contrasting textures!
Beautiful !!
Thank You very much! Alfred
Gorgeous! I love the whole piece, especially the textures in the background.
Mounting Option #1
Mounting Option #2
Bring your artwork to life with the stylish lines and added depth of an acrylic print. Your image gets printed directly onto the back of a 1/4" thick sheet of clear acrylic.
The image is the art - it doesn't get any cleaner than that!
All acrylic prints ship within 3 - 4 business days and arrive "ready to hang" with four aluminum mounting posts (Option #1) or hanging wire (Option #2).
The high gloss of the acrylic sheet complements the rich colors of any image to produce stunning results.
There are two different ways to mount your acrylic print.
Option #1 (Mounting Posts) - Attach your print to your wall with four aluminum mounting posts. The cylindrical cap of each mounting post can be removed, allowing you to thread a small screw along the center axis of the of post and into the wall. When you're finished, simply reattached each cap, and you're done. The mounting posts act as stand-offs and keep your print separated from the wall by 1". All of the required mounting hardware (i.e. posts, screws, and wall anchors) is included with your print. Click here for mounting details.
Option #2 (Hanging Wire) - With this option, your acrylic print is attached to a 1/4" thick black board which has a wooden frame and hanging wire attached to the back. There are no metal mounting posts at the corners. Simply put a nail in your wall, hang your print from the hanging wire, and you're done. Due to the thickness of the black board and mounting frame, your print is separated from the wall by 1.50" Click here for mounting details.
Average Rating (5 Stars):
Brenda Tincher
August 16th, 2018
I purchased this photo in a 30 x 28 Acrylic print of my family marsh which my mother still owns. It is Spectacular beyond words. I want to Thank Peter for an absolute beautiful photo and also Fine Arts America for the beautiful job of the photo and their packaging. I will be purchasing more. This is a family heirloom my family and grandbabies will appreciate now and in the future. Thank You.
Allen Jeroy
August 15th, 2018
I just love my Floral Explosion. It works perfect. It works so well in the bedroom so it matches all the sheets and bedspreads. Now shipping and waiting and waiting for this print. I think it was two months before I got it. The said a sofa size takes a lot longer. Not the 2-3 day. Try 2 to 3 months. I so want three others but I won't give them my money and shipping takes forever
Caitlin Schulzke
August 15th, 2018
This is my favorite painting and I waited 6 years to finally purchase. I spent extra in order to have oil paint added in order to have a 3D effect and that was not what showed up at my home. It was very unfortunate. I still love the painting but it wasn't what I wanted and haven't had the heart to hang it in my home yet.
Kat Fentiman
August 15th, 2018
it said that you declined my first order of this giraffe. i am reordering it as you asked. i only want one of these be sure you only send 1 do not send order 1048608. just send 1048526. i have ordered with you many times for thousands of dollars.. What's up here??? I am decorating another place. Please send ONLY ONE!!!!
original transparent watercolor painting "parrot tulip" on 90lb arches rough paper, 22"x28"
I was born in Hong Kong and grow up in Toronto, Canada. When I was about three years old, I came upon my teenager neighbor practicing her Chinese ink painting which lighted my interests and I started to paint and draw to amuse myself. My childhood interests stay with me and never left me. Everyday, after school all my spare time were spent making art. In 1973 our family moved to Canada and I attended and graduated from Central Technical School and Ontario College of Art and Design University. For the last 25 years, I working full time as an artist. Although I am known for my award winning watercolors but in recent years I also put my creativity into paper cuts, sculpture, recycled art and photography. My inspiration come from...
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
All acrylic prints ship from our production facility within 2 - 3 business days of your order.


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Episode 27: A Hero's Journey Part 2
Episode 27: A Hero's Journey Part 2
Here is part 2 of a Hero's journey. We finish up the discussion.
The idea is basically this: Stuff happens to you all the time. If you can put it in context then you can gain some control over it. If you don't, then it can become overwhelming.
In other words, if you have a problem in your life, turn it into an adventure. See the events as tests and do you best to overcome them. All in all I think this was a pretty good podcast. There are a number of articles on Joseph Campbell, Mine certainly is not the first.
We end with another short discussion about lab testing and how an unscrupulous supplement company (if any exist ha ha) could use bad science to make their products look good.
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Thanks and enjoy!
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You'll get automatically updated when we post new episodes.


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Last week the SPCA of Dallas conducted a rescue mission, traveling to Baton Rouge to pick up 50 dogs left homeless by flooding in Louisiana.
The dogs were the worse for wear. Some had heartworm, others possible kennel cough.
That was last week. Now, they are ready for adoption — a lucky handful from among the untold number of dogs, cats, horses, pet birds and other animals that have been displaced by the flooding. An early estimate suggested that as many as 600 animals had been rescued.
"More than anything ... the city of Dallas can really step up and help by going in and checking out some of the amazing Louisiana dogs that they are going to have up for adoption," Katie Jarl, director of the Humane Society of United States Texas, told WBAP in Dallas.
The animals can be seen on the Dallas group's website.
Animal welfare advocates are busy trying to find new homes for as many displaced animals as they can. Pets that couldn't be reunited with their owners are being sent to shelters across the country. Some need homes because their owners can't take care of them anymore after the storm. Others were found alone in the floodwaters.
PETA also sent rescue teams to Baton Rouge to wade and boat through the water to reunite pets and owners. Then the group packed up ready-to-adopt animals from Baton Rouge area shelters to transfer them east, opening up space for the constant flow of displaced pets, PETA said.
The animals were loaded up in three vans for the road trip to PETA headquarters in Norfolk, Va., where they arrived on Monday.
As of Monday, 35 dogs, 20 cats, six rabbits and one cockatiel are looking for new homes in Virginia and North Carolina.
PETA teamed up with humane societies and shelters in the area to place the "former Louisianans" in new homes. (Email the organization at email@example.com for information on how to adopt one.)
Louisiana animal shelters have been unable to keep up with the demand. The Times-Picayune in New Orleans checked on conditions at several sites and found many to be flooded, some completely out of service.
Making matters worse, the homes of many animal foster parents have been flooded as well.
Many shelters have set up GoFundMe pages and Amazon Wish Lists, with needs ranging from shop vacuums to pet supplies.
"The dedicated staff and volunteers fought to save as many animals as possible from the floodwaters, eventually having to unlatch the kennel doors and let the dogs swim out and climb onto the roof," officials at the Denham Springs Animal Shelter told the Times-Picayune.
"The rescue efforts saved many animals, but the shelter is in need of rebuilding and repairs after the floodwaters recede. The cattery is totally demolished, and the kennel area and office space are severely damaged."
Matt Williams, the senior director of communications for the Washington Humane Society, told the Washington Post that the Louisiana shelters are full and will continue to "be inundated with animals that were homeless."
That's why his group and the Washington Animal Rescue League packed up a group of dogs that already at shelters before the floods hit to relocate them to the Washington, D.C., area over the weekend.
But on the way, the vans they were traveling in broke down in South Carolina, the Post reported. The animals wound up in Roanoke, Va., with an animal rescue group called Angels of Assisi.
The Roanoke Times reported that some of the 38 new arrivals from Louisiana already have foster homes, but others need forever homes. After vet checks, they were put up for adoption on Tuesday.
"They'll all get adopted," shelter director Lisa O'Neill told the Times.


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Go to a Halloween party with your date? If yes, why not come with costumes that go together. Halloween costumes couple are very cool, easy to find, and lots of fun. From funny to serious, the last film couples, you'll discover ideas for different costumes to choose from. Here are some ideas for couple costumes, if you want to have fun together on Halloween.
Probably one of the oldest ideas for Halloween costumes to go to couple as Adam and Eve. You can find costumes, especially those with leaves and snake. Add the apple and Eve, and you have a great costume that looks amazing. You'll be the hit of the party, even if you do not want a piece of apple to be.
Costumes dusk are great successes, and there are very many options if you go to when these couples Halloween. Consider going as Edward and Bella, Emmett and Rosalie, like Alice and Jasper, or Dr Cullen and Esme. Another good option for couples to be able to go as Jacob and Renesme.
If you're really a good option for couples such as Halloween costumes, go like a ball and chain set. This is a hilarious costume, the costume ball of Women and the chain is the costume of the man. Remember, you all night long chains, which can be fun and romantic. Some other features of Nice for couples to understand that the bacon and eggs, salt and pepper, plug and socket, ketchup and mustard, and more.
There are few options popular comic, you might consider when looking for costumes for couples. A great success happens to Fred and Wilma Flintstone. This is a fun option and funny. You can go as Tinkerbell and Peter Pan, Ricky and Lucy, or even Robin Hood and Maid Marion. Other ideas are Dog and Beth the bounty hunters, Cleopatra and Caesar, or maybe even Brad and Angelina costumes.
Of course, some costumes are not real pairs. From the ancient Romans to match dress is a wonderful idea, or you can go in matching pirate costumes. There are matching costumes clown costumes tourists too, nor crying, even babies. You can also enter a political statement that politicians or political couples.
There are so many different options you choose when you want to find a Halloween costume couple. Whether you want to go with funny costumes, something like twilight mode or something familiar, like Fred and Wilma, you're sure to find something good for yourself and your partner. Once you have the right costumes, make you ready for a Halloween that is very pleasant for you both.
Wednesday, October 21, 2009
Couples Halloween Costumes - Halloween Fun Together
Posted by My Blog at 11:55 PM
Labels: Couple Halloween Costumes
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P.S. Is there any way that a flash drive used on the infected computer could be infected as well?
This can be possible. Here is a tool that you can use to clean them.
Flash Disinfector
- Please download Flash_Disinfector and save it to your desktop.
- Double click to run it.
- You will be prompted to plug in your flash drive. Plug it in.
- Flash_Disinfector will start disinfecting your flash and hard drives. This takes a few seconds. Your desktop will disappear in the meantime.
- When done, a message box will appear. Click OK. Your desktop should now appear. If it doesn't, press Ctrl + Shift + Esc to open Task Manager.
- Click on File > New Task (Run...). Type in explorer.exe and press Enter. Your desktop should now appear.
Note: Flash_Disinfector will create a hidden folder named autorun.inf in each partition and every USB drive plugged in when you ran it. Don't delete this folder...it will help protect your drives from future infection.
How am I looking now?
It is looking good but before i will give you all clear. How is your computer running? Do you have any problems?


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This is a delicious, healthy salad that you can whip up quickly and serve as a one dish meal. Its loaded with protein and antioxidants so dig in and enjoy!
As with most recipes, I was just making this up as I went along. I have to say I'm not sure I liked the cucumber with the strawberries. When I made this for myself I added a whole cucumber, I suggest you either ditch it completely or maybe just do half. I'll leave this up to you, if you love cucumbers then just go for it!
I used red quinoa for this but any quinoa would work well.
15 minutes prep time
Serves 4
½ cup olive oil
¼ cup lemon juice
1/8 cup maple syrup
3 cloves of garlic, minced
Salt and pepper to taste (Want to add some heat? Toss in some red pepper flakes)
1 small bunch of kale, cleaned rinsed and chopped with stems removed. Or 1 bag, to make things quicker and easier!
½ cup of shredded red cabbage
½ cup red onion diced
½ cucumber halved and thinly sliced
small container of strawberries sliced
1 cup of cashews
1 cup of cooked quinoa, I used red to add some color.
Small head of broccoli chopped into very small bite size pieces
1 tsp lemon juice
dash of salt
To prepare kale, add lemon juice and salt and massage kale gently for a minute until it softens. Set aside in a large bowl.
To prepare dressing, combine all ingredients and whisk until blended. Set aside.
Add all the veggies, strawberries, cashews, and quinoa to the kale and gently fold together. Whisk the dressing again and add to the salad. Mix gently, and you are ready to serve! I like to have some extra cashews to add to the top. Quick, easy, healthy, yummy, and filling. How can you ask for anything more.
Take care of you,
Tina, Daisy, and sometimes Max!


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I do not like the title of this episode. This is being used against my better judgement. I should of cut out much more than I did. Mattie is moving this weekend so we give her a call. We also blackmail her so we can have a place to have our 4th of July fireworks extravaganza. We talk about my beautiful Viola playing and during our break I play an AMAZING solo for your listening pleasure haha. Jared drove a Yellow modern VW bug in High school evening though the new modern style VW's didn't exist back in the 1990's. We also call in and talk to my mom!!! Her first time on the show. I regret this episode as much or more than the last one. SMH
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WASHINGTON — Read the Constitution lately? Congress did Thursday. Out loud, section by section, alternating by party.
It was the first time the 222-year-old document had ever been read on the House floor, congressional historians said.
It might also have been the first time that some lawmakers actually read or heard it in its entirety. Not all of them attended, and their numbers gradually diminished as the 90-minute exercise wore on.
The bit of political theater on the second day of the 112th Congress had been intended as a tribute by Republicans to the tea party movement. The groups' support in the November elections was pivotal to the Republicans winning control of the House.
"We're going to make the Constitution the center point," said newly installed GOP Rep. Kevin Yoder of Kansas, who read a section. "A lot of us felt that the Constitution hasn't been the guiding document for the last couple of years."
The tea party and many conservatives say their efforts to push Congress to slash spending and rein in government reflect the founding principles embodied in the Constitution. House Republicans already have pledged to require that all new legislation spell out what part of the Constitution gives lawmakers the authority to enact it.
"Capitol Hill is on notice," said Jen Ennenbach, a St. Louis Tea Party activist. "What happened in November was completely unprecedented. It was the people rising up."
Maybe. But few things scare politicians more than restive voters, particularly ones as angry and unpredictable as some tea party followers have proved to be.
Democrats, however, squawked at what to them seemed like the politicization of one of the nation's most revered texts.
So a funny thing happened on the way to what started out as a Republicans-only constitutional love-fest: It became a bipartisan celebration, appropriately muted. No bombast.
The only fireworks were brief and quickly extinguished, when a woman in the visitor's gallery shouted "except Obama" when the section on presidential eligibility was read. Guards removed her.
The reading wasn't without controversy. Democrats politely objected at the outset to the Republicans' plan to read the amended version of the Constitution.
That would leave out former sections, like Article 1 Section 2, which used to categorize slaves as three-fifths of a person. It boosted congressional apportionment for slave-holding states at the time, even though slaves couldn't vote.
"Given the struggle of African Americans, given the struggle of women, given the struggle of others to create a more perfect document . . . many of us don't want that to be lost upon the reading of our sacred document," said Rep. Jesse Jackson Jr., D-Ill.
Still, the simplicity of the act, a parade of faces of different sexes, origins and colors, an image that the framers possibly never envisioned, one by one standing in the well of the House and reading their two-century-old handiwork had a quiet kind of power.
"I think everyone should be familiar with the Constitution, so if reading it like this makes people more aware and familiar with it, then that's a good thing," said Susan Low Bloch, who teaches constitutional law at the Georgetown University Law Center. "But it's a very broad document. Just reading it and hoping you understand the 200 years of history behind it is a little naive."
Business as usual: GOP fundraiser kicks off new Congress
Can Blue Dog Democrats survive the 112th Congress?
Joe Miller gives up challenge to Alaska Senate vote results
New Congress likely full of brimstone, talk, little change
Follow the latest politics news at McClatchy's Planet Washington


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Latest Reviews
Latest Previews
StarCraft II
Platform(s): PC
Genre: Strategy
Publisher: Blizzard
Developer: Blizzard
Release Date: July 27, 2010
Genre: Strategy
Publisher: Blizzard
Developer: Blizzard
Release Date: July 27, 2010
About Rainier
PC gamer, WorthPlaying EIC, globe-trotting couch potato, patriot, '80s headbanger, movie watcher, music lover, foodie and man in black -- squirrel!
'StarCraft II' Protoss Warp Ray Unit Revealed - 3 New Screens
by Rainier on July 9, 2007 @ 7:20 p.m. PDT
Designed to be the ultimate competitive real-time strategy game, StarCraft II will feature the return of the Protoss, Terran, and Zerg races, overhauled and re-imagined with Blizzard's signature approach to game balance. Each race will be further distinguished from the others, with several new units and new gameplay mechanics, as well as new abilities for some of the classic StarCraft units that will be making a reappearance in the game.
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Page 1 of 1


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The level of people who buy drugs online has grown basically. While buying drugs online has various focal points it has couple of terrible checks in addition. One can avoid the dreadful experience that may be caused by these negative stamps by maintaining a strategic distance from potential hazard. Buy drugs from approved medication store. In order to lead business on the web, a medication master need to picked up allow. Such allow is issued by singular commonplace government body for sedate masters. In case the medication store, you are thinking to buy drugs from, cases to be arranged in USA then it should have allow number gave by one of medication masters affiliations. At the point when realness of that medication store is avowed second thing you need to scan for is the place that medication store buys drugs from (i.e. which retailer or distributer is the hotspot for that medication store to buy drugs?). Distributer should be endorsed. Moreover distributer should buy remedies direct from producers of individual prescription. Solutions provided for tranquilize store (and therefore to you) must be in a seal as conveyed by the creator. This certifications transported pharmaceuticals have not been changed. If you trust you have not gotten quiets in suitable seal or medicines/drugs squeezing is hurt you should not use that remedy and those pharmaceuticals should be sent back to sedate store. Guarantee no pariah is there among you and the medication store you are acquiring drugs from. Customers' security isn't kept up everything considered.
Medication store must state contact purposes of intrigue close-by for customers for help, for instance, organize cancelation, fax drug, change of conveyance address, disseminate and separate. Either a helpful profile of customers or a real arrangement, gave by qualified specialist, is necessary to convey pharmaceuticals to customers. Make an effort not to buy quiets that does not require medication. You are putting your prosperity and money at unprecedented peril by buy drugs online legally without problem. No legal move can be made if tranquilize store transported fake pills or adulterated pharmaceuticals( which may exhibit perilous threatening effects) or did not convey by any methods. Remedial profile: Pharmacy should keep up therapeutic record of customer with unpretentious components such as.Recent or past restorative history. Prosperity events, for instance, diabetes or circulatory strain or stroke or heart strike or so on. Alcohol manhandle, smoking and prescription subjugation. Summary of supplements or home developed or vitamins customer is taking. Arrangement: There are two sorts of meds for clients; OTC (Over the Counter) meds and Prescription drugs. OTC drug can be bought with no pharmaceutical. Medication store is relied upon to ask for arrangement, created by specialist, to offer prescription top anticipates that cure will buy. Guarantee medicate store similarly dispatches arrangement with pharmaceuticals in separate. Buy just pharmaceutical that your specialist has asked for that you buy. Do whatever it takes not to buy choice of if the medicine you have to buy online isn't available for any reason.
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Easy to Fix No Audio Output Device is Installed
When the sound icon in your task bar has a red x on it (as illustrated above), your computer won't play any sound.
This is usually caused by one of two problems: either Windows has disabled your audio device or your PC doesn't have the latest correct device drivers installed, and Windows therefore can't 'talk' to the device.
If you see No Audio Output Device is installed when you hover your mouse over the the sound icon, your audio problem is probably caused by one of these issues, and there are three repair methods you can try that have helped other users. You may not need to try them all; just start at the top of the list and work your way down.
- Re-enable the device
- Manually uninstall & reinstall the device driver
- Automatically update your audio device drivers
- Refer to user comments
Method 1: Re-enable the device
To fix the problem, follow these steps (Steps below are for your reference. The specific steps in different system versions may be different. ):
1) On your keyboard, press the Windows logo key and R at the same time to invoke a Run command. Type devmgmt.msc in the run box and click on OK button.
2) Locate the Sound, video and game controllers category in the list.
If you don't see this category in your list, continue with step 2a) below. Otherwise skip to step 3.
3) Expand the Sound, video and game controllers category, and right-click on your audio device. Click Enable in the pop up menu. (If the device is already enabled, skip to Method 2 below.)
Method 2: Manually uninstall & reinstall the device driver
1) Still in Device Manager, once again expand Sound, video and game controllers, right-click on your audio device, and click Uninstall to uninstall the driver.
2) Restart your PC. After restarting, Windows should automatically re-install the sound driver. Assuming it installs the latest correct driver, this may resolve the problem.
Method 3: Automatically update your audio device drivers
Your sound problem is probably being caused by driver issues. The steps above may resolve it, but if they don't, or you're not confident playing around with drivers manually, you can do it automatically with Driver Easy.
Driver Easy will automatically recognize your system and find the correct drivers for it. You don't need to know exactly what system your computer is running, you don't need to risk downloading and installing the wrong driver, and you don't need to worry about making a mistake when installing.
You can update your drivers automatically with either the FREE or the Pro version of Driver Easy. But with the Pro version it takes just 2 clicks (and you get full support and a 30-day money back guarantee):
1) Download and install Driver Easy.
2) Run Driver Easy and click Scan Now. Driver Easy will then scan your computer and detect any problem drivers.
3) Click the Update button next to a flagged audio driver to automatically download and install the correct version of this driver (you can do this with the FREE version). Or click Update All to automatically download and install the correct version of all the drivers that are missing or out of date on your system (this requires the Pro version – you'll be prompted to upgrade when you click Update All).
Hopefully you find this article helpful. If you have any questions, please feel free to leave your comments.


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FREE Dog Microchipping
Offer available until: No end date listed.
Did you know microchipping will be compulsory from April 2016? Make sure your furry friend gets home safely.
An invaluable service that is well worth a few minutes of your time. Keep your pooch safe by making sure that no matter what happens, they can be tracked back to you…you'll never know how much you will value a phone call like that until you get it. Don't leave it too late.
Free microchipping from the Dogs Trust at vets & local events near you.DID YOU LIKE THIS POST?
You might also be interested in…
Last update was in: 15/08/2018 10:56 am BST


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SpanakopitaFriday, October 12th, 2007
This is a wonderful recipe for family get togethers and has been a great hit at our Summit County Chamber mixers.
- 2 lbs. Fresh spinach leaves
- 1/2 cup chopped fresh parsley
- 1/2 cup chopped fresh dill
- 2 cups finely chopped green onions
- 1 1/2 tsp. Fine Grey sea salt
- 1/4 cup organic extra virgin Olive Oil
- 3 cups chopped onion
- 1/4 tsp. Course ground black pepper
- 1/2 Lb. Feta cheese, crumbled
- 14 filo leaves
- 3/4 cup clarified butter
- Wash & clean the spinach. Discard the stems. Drain & cut the leaves into shreds.
- Combine the spinach, parsley, dill, green onions & Grey sea salt in a bowl. Let stand 15 minutes, than press out all of the liquid.
- Heat the Olive Oil in a skillet & sauté 3 cups of onions until soft and transparent. Add the spinach mixture from step 2 and sauté for a few more minutes. Add the Feta cheese & black pepper.
- Place each of the filo leaves in a buttered 10″ x 17″ x 2″ baking pan, brushing each leaf with clarified butter . Add the spinach mixture from step 3, spread into a thick layer then add remaining filo leaves, again brushing with butter. Cut into 3″ x 3″ pieces with a sharp knife.
- Bake at 375 degrees for 30 minutes or until golden brown.


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YPF & YEA NT Technical event, Thursday 28 June – Origin Energy NT Onshore update and Opportunity
Qld YPF Bowling Night – Strike Wintergarden – Friday 6 July
YPF NT Networking Drinks – Thursday 12 July
NSW YPF Site Tour: APA and Jemena Wilton Meter Stations – Friday 13 July
YPF Networking Event @ the 2018 APGA Convention – Saturday 8 September
YPF Vic and ACA Technical and Social Evening: Pipelines & Corrosion – Thursday 14 June
Thank you to Corrosion Control Engineering, CNC Project Management and GPA Engineering for supporting the event.
Qld YPF and SPE YP Joint Educational and Networking Event – Thursday 24 May
The you to Jemena and the Society of Petroleum Engineers (SPE) for supporting the event.
NSW/ACT YPF Geotagging adventure race and networking event – Friday 13 April
YPF NSW/ACT held a Geotagging adventure race through the iconic streets of Sydney on 13 April. Checkpoints included statues, buried gas valve markers and gas company offices with the winners receiving a prize!
This was a fun and interesting way for young professionals to get an introduction into Mipela GeoSolutions geotagging products. The race was followed by drinks and pizza at The Rawson Hotel. Thank you to Mipela GeoSolutions for supporting the event.
Vic YPF Site Visit to AJ Stack Solutions Training Facility – Thursday 12 April
Thank you to AJ Stack Solutions for supporting the event.
WA YPF Meet the Board event – Thursday 19 April
Thank you to GPA Engineering and Veris for supporting the event.
WA YPF 2018 Platter and Pint Night Networking Evening – Thursday 22 March
Thank you to Atteris and SPIE Plexal for supporting the event.
Vic YPF Lawn Bowls Networking Event – Friday 16 March 2018
Thank you to Peter Norman Personnel for supporting the event.
NT YPF and Young Engineers Australia joint technical event: a social licence to operate – Tuesday 6 March
Thank you to GPA Engineering for supporting the event.
WA YPF Technical evening: anti-surge valve live demonstration – Wednesday 28 February
More than 20 young pipeliners attended the evening at the Western Process Control workshop with an introduction to the very fast stroking speeds and stringent noise, performance and reliability requirements of these safety-critical control valves. Read more.
NT YPF Meet and greet – Friday 23 February 2018
Thank you to APA Group for supporting the event.
Qld YPF 2018 Launch and Networking Event – Friday 9 February
The Queensland chapter of the Young Pipeliners Forum (YPF) got the year off to a great start with a launch event focused on young people in the industry. Held at Aether Brewing in Milton on 9 February, around 45 of Queensland's young pipeliners were in attendance. Read more.
Qld YPF Christmas Networking Event – Friday 15 December
Thank you to CNC Project Management and Denso for supporting the event.
NSW/ACT YPF Speaker and Meet-the-Board event – Wednesday 29 November
In late November 2017, the NSW/ACT YPF held a Speaker and Meet-the-Board session at APA Group's Sydney office with approximately 20 young pipeliners in attendance. The event was kicked off with a presentation from APA Group General Manager Development and Support, Matt Felvus, who explained how APA Group manage project development from concept to handover, touching on the key deliverables, tools and processes used to ensure project success and financial benefit to the business. Read more.
WA YPF Christmas Drinks – 24 November 2017
Thank you to Brooks Hire, Enscope and Momentum Engineering for supporting the event.
NT YPF AS/NZ 2885.1 Technical Presentation – 9 November 2017
Thank you to APA Group for supporting the event.
QLD YPF Speaker night – 2 November 2017
Australia's energy crisis was the hot topic for Qld YPF's speaker night held at the Stock Exchange Hotel in Brisbane. APGA's CEO, Steve Davies, kept his audience engaged by giving his view on the recent pressure on the gas industry in the midst of Australia's current energy crisis and what that means for the pipeline industry. Read more.
WA YPF 9th Annual Barefoot Bowls Tournament – 27 October 2017
Thank you to Enscope, Fyfe, Momentum Engineering and Rosen for supporting the event.
YPF Networking Event @ the 2017 APGA Convention – 14 October 2017
The YPF kicked off the APGA Convention with over 40 pipeliners both young and old attending the networking event at the Mo'dish Village Lane Bar at the Pullman Cairns International. Catching up with old friends and making new connections, it was a great start to the Convention prior to the Welcome Dinner.
Big thank you to Pipe Tek for supporting the event.
Vic YPF Annual Speaker night – 5 October 2017
Thank you to Denso for supporting the event.
NT YPF Evening Barefoot Lawn Bowls – 16 September 2017
Thank you to GPA Engineering and Pructon for supporting the event.
Vic YPF Site tour – Dandenong LNG Facility – 16 August 2017
Members of the Vic YPF enjoyed a tour of APA Group's LNG facility at Dandenong.
Thank you to APA Group and Peter Norman Personnel for supporting the event.
WA YPF and WA Chapter Joint Quiz Night – 20 July
Over 100 attendees enjoyed the joint APGA and YPF WA Chapter Quiz Night on 20 July, held at Maylands Peninsula Golf Course.
14 teams competed for the illustrious first place trophy and more importantly the bragging rights. Quizmaster Alex Aitken from KD1 kindly donated his expertise of running the show and did a fantastic job keeping everyone in line! Read more.
NSW/ACT YPF Networking with the Experts: ME-038 Committee – 19 July 2017
25 young pipeliners had the opportunity to meet and network with the ME-038 Committee at the event in July following the first day of the AS2885 Revisions Seminar in Sydney.
Susan Jacques, chair of the ME-038 committee provided an overview of the function of the Committee and how young people in the pipelines and gas industry could get involved. Read more.
NT YPF Networking Drinks – 13 July 2017
Thank you to GPA Engineering for supporting the event.
QLD YPF Strike Bowling – 7 July 2017
On Friday 7 July the Queensland YPF gathered in force to compete in their annual mid-year event, strike bowling. In classic fashion each attendee was welcomed to the event with a beverage of their choice, and the opportunity to select their persona for the evening. Read more.
NSW/ACT YPF and ACA YCG Brewery Tour Event – 29 June 2017
The NSW/ACT Young Pipeliners Forum, together with the Young Corrosion Group, held their first event of 2017 on June 29 with approximately 20 members enjoying a night of networking at the Wayward Brewery in Sydney's inner west.
The night included a comprehensive tour of the venue's brewing facilities, engaging networking activities, a pizza dinner and delicious beers.
Thanks to Denso and Corrosion Control Engineering for supporting the event.
Qld Networking Event – Geotagging Adventure Race through Fortitude Valley – 19 May
Rain did not deter Queensland's YPF annual geotagging event on Friday 19 May and although the race was cancelled, the last minute trivia night was a huge success, with a lot of laughs and good contributions from all involved. There were also some newer members who attended the night, which is always great to see. Thank you to Mipela GeoSolutions for supporting the event.
WA Pizza and Pint Night Networking Evening – 3 May
WA YPF had a fantastic night of networking at their Pizza and Pint event on Wednesday 3 May. A total of 29 attendees representing 14 companies gathered together at the Rubix Café Bar to enjoy a relaxed evening of pizza and drinks and to take the opportunity to speak with operators, contractors, designers and suppliers in a social atmosphere. Thanks to Atteris and SPIE Plexal for supporting the event. Read more.
Qld YPF – Energy Pipelines Cooperative Research Centre – Background, Achievements and Preparing for the Future – 5 April 2017
Twenty-five young pipeliners joined the Queensland YPF and Energy Pipelines CRC CEO David Norman to turn the YPF paradigm on its head on 5 April.
David listened intently as young pipeliners outlined their thoughts on where the future challenges for the Australian pipeline industry could be addressed through cooperative research.
The second Queensland YPF networking and educational event for 2017 allowed David to detail his experiences in the industry as well as the multitude of highly valuable projects being undertaken by the Energy Pipelines CRC. He also explained the mammoth task ahead of the Energy Pipelines CRC team to facilitate a new CRC bid aimed at addressing future challenges for the Australian pipeline industry- but success is not a certainty in the highly competitive environment of CRC funding. Read more.
SA YPF – Adelaide Suburbs Microbrewery Tour – 25 March 2017
SA YPF held its annual Microbrewery Tour on 25 March 2017. Sixteen young pipeliners met for a day of networking and taste-testing at four breweries in the Adelaide suburbs. These were Pirate Life, Wheatsheaf Hotel, Big Shed Brewing and Brew Boys.
Thank you to APA Group, GPA Engineering and Pentair for supporting the event.
Qld YPF: Care of Aging Pipelines and Operations in T1& T2 areas – 17 February 2017
YPF Qld hosted an educational evening on the Care of Aging Pipelines on 17 February at the Fox Hotel in Brisbane.
Around 30 attendees enjoyed networking and heard from Qld Engineering Service Manager Francis Carroll and Senior Pipeline Engineer Elizabeth Wheeler from APA Group about their experiences working on aging pipelines and how APA Group conducts care of aging pipelines from a high level perspective.
Thank you to APA Group for supporting the event.
Vic YPF Winery Tour: Red Hill Mornington Peninsula – 21 January 2017
The Victorian YPF group travelled to the Red Hill winery region on the Mornington Peninsula for a day of networking and discussion. The event, sponsored by APA Group, CNC Project Management and Zinfra, and included a visit to a gin distillery, brewery and ended with lunch at a winery in Red Hill.
Read more.
SA YPF APGA Pipeline Engineer Competency Standards – 14 December 2016
SA YPF completed their year with a Pipeline Engineer Competency Standards Presentation & Q&A Session on 14 December. Presented by Liz Brierley, an inaugural registered Oil and Gas Pipeline Engineer and now a member of the Assessment Panel, the event aimed to educate the SA YPF community about the APGA Pipeline Engineer Competency Standards, what they mean to the industry and what they mean to them as an engineer.
Thank you to SEA Gas for sponsoring the event.
NSW/ACTYPF End of Year Function – 9 December 2016
NSW/ACT YPF held an end of year function on 9 December at Goros to celebrate a successful year. Members networked in a comfortable and social environment over some Japanese food and drinks. Thanks to sponsors APA, Jemena and Zinfra for sponsoring the event.
Vic YPF Lawn Bowls – 7 December 2016
The Victorian chapter of the Young Pipeliners gathered for some lawn bowls and sun on 7 December in Richmond. The event was sponsored and supported by Peter Norman Personnel and saw the Pipeliners team up to battle against each other in some competitive lawn bowl action. Attendees included personnel from PNP, APA, Multinet, Zinfra and Great Southern Press and closed out a successful Young Pipeliners year for 2016.
Qld YPF Christmas Networking Event – 2 December 2016
YPF Qld finished off the year with Christmas Drinks on 2 December after the Brisbane Christmas Lunch. Over 60 members attended and enjoyed networking with other pipeliners in the industry over a few drinks. Thanks to CNC Project Management and Denso for sponsoring the event.
WA YPF Christmas Drinks at Raffles Hotel – 25 November 2016
For their final event of the year WA YPF held Christmas Drinks at Raffles after the Perth Christmas Lunch on 25 November. Pipeliners young and old shared stories from 2016 and celebrated the end of the year. Thanks to Brooks Hire; Enscope; Murphy Pipe & Civil for sponsoring the event.
Qld YPF APA Group Integrated Operations Centre Tour – 17 November 2016
About 20 YPF members from Queensland took the opportunity to have a guided tour of APA Group's Integrated Operations Centre in Springhill, Brisbane, on 16 November.
The IOC, which incorporates a control room, commercial operations and engineering support, was
opened earlier this year. Read more.
WA YPF Lawn Bowls Day, Leederville Bowls Club – 4 November 2016
WA YPF held their highly popular annual lawn bowls event at the Leederville Bowls Club on 4 November. Once again it was a huge success thanks to event sponsors Enscope; Fyfe: Rosen: Valmec.
Qld YPF Networking and Lawn Bowls – 14 October 2016
YPF Qld held a Networking and Lawn Bowls night on 14 October 2016 at the Boo in Newstead. More than 30 YPF members attended the event and enjoyed catching up and playing despite it being a chilly evening. Thank you to Canusa-CPS for sponsoring the event.
2016 APGA Convention YPF Networking Event – Saturday 8 October 2016
YPF WA hosted the pre-dinner convention drinks this year on 8 October at Metro Bar and Bistro. It was a great turnout with a mix of young and old pipeliners with many new faces and the event was a great way to kick off the 2016 Convention.
Young Pipeliners Forum 10th Anniversary, Canberra – 19-20 August 2016
The YPF 10th Anniversary in Canberra was a tremendous success and we'd like to thank our APGA members for their support. The event focussed on leadership and career opportunities in the industry, as well as providing some clear direction for APGA and the next phase of YPF.
NSW/ACT YPF Site Tour – Caltex fuel import terminal – 11 August 2016
On 11 August the NSW YPF held a guided site tour of the Caltex fuel terminal at Kurnell, NSW. The tour was led by Alex Lovell (Operations Manager) and started with a presentation detailing how the refinery was established, through to its current function as a fuel terminal. Read more.
NT YPF Networking Drinks – 13 July 2016
Thank you to APA Group for supporting the event.
Vic YPF Meet the Board – 23 June 2016
Members of the Victorian chapter of the Young Pipeliners Forum made the most of the experience when a number of APGA's Board members attended informal drinks before the Melbourne Dinner in June. Read more.
YPF Qld Speaker Night – 15 June 2016
SA YCG & SA YPF Onshore Petroleum Centre of Excellence Site Tour – 2 June 2016
About 40 South Australian members of the YPF and Young Australian Group recently held a site visit to the Onshore Petroleum Centre of Excellence (OPCE) at TAFE SA's Tonsley campus. Read more.
NSW YPF Lunch and Learn – 13 May 2016
NSW YPF's first event for 2016 was a lunch and learn all about pigging. Craig Hall from Baker Hughes has decades of experience pigging pipelines all over the world which resulted in a very informative presentation, sharing a number of his extremely interesting stories. Read more.
Qld YPF – 29 April 2016, Geotagging Adventure Race
The geotagging adventure race through Fortitude Valley was held on Friday 29 April 2016. YPFers used geotagging devices to follow clues to a final destination where drinks and canapes were served. Sponsored by Mipela GeoSolutions.
Vic YPF Annual Speaker Night – 28 April 2016
The Victorian Young Pipeliners Forum met on Thursday night 28 April at one of Melbourne's hidden laneway bars, "The Highlander", to listen to three industry presenters – Sally Commins, CNC Project Manager, Valerie Linton, Energy Pipelines CRC and Chris Hammon, Applus RTD speak on three very different but interesting topics. Read more.
WA YPF Pizza and Pint Night – 4 April 2016
The Young Pipeliners Forum in WA held a pizza and pint night at Rubix bar. Read more.
Qld YPF – Networking with the Experts – 8 March 2016
Past, Present, Future with special guests from the ME38 Committee
The ME-038 Standards Committee, which is responsible for AS2885: Pipelines – Gas and Liquid Petroleum, held their regular meeting in Brisbane. This provided an opportunity for the Queensland YPF, with sponsorship by Origin Energy, to arrange for a networking and educational event with some of the most influential names in the pipeline industry. Read more.
SA YPF – Adelaide Hills Microbrewery Tour – 27 February 2016
On Saturday 27 February 18 South Australian young pipeliners participated in a networking event centred around beer appreciation. The event included visits to four microbreweries in the Adelaide Hills. The event was a change from the annual winery tour and was much appreciated as a delicious alternative to the usual Barossa Shiraz. Read more.
Qld YPF – Networking Event – 26 February 2016
New project lifecycles: from cradle to grave with guest speakers Warwick Tidswell and Kerryanne Mallitt
An educational session presented and sponsored by APA Group, saw 50 young pipeliners shown the inner workings of major gas transmission pipeline projects. Read more.
Meet the APGA Board – 9 December 2015
Eric Hayman of Jemena organised an informal mentoring session "meet-the-APGA-board" event on 9th December 2015, after the Board's Sydney meeting and before the APGA Sydney Christmas function. It was a great success with 30 participants having an opportunity to ask questions to the leaders of our industry in a comfortable environment. The event also allowed the new YPF supporters to network amongst each other over a cool beverage gratefully provided by the APA. In 2016 the aim is to host at least two new events with a focus on providing a social yet educational experience.
Youth meets Experience at Qld YPF Christmas Function
There was an impressive turnout at the annual 2015 Qld YPF Christmas Function. Held at the Embassy Hotel in Brisbane following the APGA Christmas function, the event hosted a mix of YPF members and APGA members. Over 60 attendees celebrated the end of a big year in the Pipeline industry.
Thanks to Denso and CNC Project Management for their generous sponsorship of the event.
South Australian YPF's 'Bring an Oldie' Lawn Bowls Day
South Australia YPF's third annual Bring an Oldie Lawn Bowls event was a great success with a dramatic finish where nothing separated the two winning teams.
Bring an Oldie is a fun night which in some ways levels the field between the young and the more experienced pipeliners, encouraging them to share stories over a few games of lawn bowls and refreshments. Read more.
South Australian YPF and the Energy Pipelines Cooperative Research Centre
On the 30th of July the SA YPF convened at the Coopers Alehouse for a technical presentation by the Energy Pipelines Cooperative Research Centre (EPCRC).
The event ensured that the young pipeliners in South Australia had access to the latest pipeline research being undertaken by the EPCRC as well as insight into a current Stress Corrosion Cracking research project. Read more.
Queensland YPF Strikes it Lucky
The annual Qld YPF Strike Bowling Event was once again a great success for 2015.
Thirty-five young (and a few not-so-young) attendees kicked off the evening by participating in a bowling initiation ceremony that had the health and safety conscious amongt us raising a sweat. Read more
Victorian YPF Speaker Night
On the 22nd of July 2015 the Young Pipeliners Forum held a speaker night at the Highlander Bar in Melbourne's CBD. The event we attending by over 35 Young Pipeline Professionals and sponsored by CNC Project Management. Read more.
South Australian YPF Joint Technical Event with the Young Corrosion Group
On the 14th of May 2015, South Australian young engineers of the YPF and the YCG (young corrosion group) joined forces and organised a joint technical event at the Coopers Alehouse in Adelaide. The event focused on tape wrap coatings for corrosion protection of buried steel pipelines. Read more.
Queensland Young Pipeliners Forum members kick off 2015
Fifty Queensland Young Pipeliners Forum members attended the first networking function of 2015 at The Fox Hotel on 13 March 2015. It was a great turn out to what is typically one of the quieter events of the year, with new and familiar faces catching up for the first time since the ever-successful End of Year Event in December. Read more.
South Australia 2015 wine tour
The SA YPF kicked off 2015 in style with the annual Barossa wine tour.
The weather was sunny (as usual in Adelaide) and the Barossa beckoned for 12 young engineers and their partners. Read more.
YPF is now on LinkedIn.
The Young Pipeliners Forum has started a LinkedIn Group to encourage discussion and interaction between YPF members nationwide. The LinkedIn group is being managed by a subcommittee: Ian Spence, Susan Jaques and Andriy Dubyk.
Click here to visit and join the group.
Victoria YPF winery tour
On Saturday 6 December, the Victorian YPF headed north of the city on their annual winery tour, this time to the Macedon Ranges. Melbourne weather lived up to its reputation providing four seasons in one day, but did not detract from the spectacular scenery and views from the ranges. Twenty YPF participants went to two wineries, Gisbourne Peak and Paramoor, and to the Holgate Brewery in Woodend. Read more.
South Australia YPF Lawn Bowls
The SA YPF finished 2014 in fine form with the "Bring an Oldie" lawn bowl competition. A great night of food, drink, conversation and (occasionally) bowling was made possible by the generous sponsorship of SEA Gas, Epic and Maloney Field Services. Read More
Qld Mid-year Strike Bowling – 13 July 2014
Another great turn-out for the annual Qld YPF Strike Bowling networking event held on Friday 13thJune. Superstitious for some, it was an evening where everyone's favourite personas were back with the addition of the flavour of the month with some World Cup superstars. There was some fierce competition, but in the end, Gabrielle "The Hulk" Cooper came out on top with an impressive score to take the honours. Read more.
YPF Panel Session – 13 March 2014
On the 13th of March the South Australian YPF group assembled at the Adelaide Hilton for a 'question and answer' panel forum, taking advantage of the many industry experts in Adelaide for the AS2885.1 committee meeting. Read more.


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Our daily roundup of retirement news your clients may be thinking about.
If you understand the cons, annuities can have a lot of pros
Annuities are a good retirement investment option as these products provide an income stream for living expenses above those that can be paid using pensions or Social Security benefits, according to an expert. However, clients give up access to their money when they buy these products, so they are advised to use only a portion of their retirement savings to buy an annuity. Brush up on the other disadvantages of using the annuity strategy as part of retirement planning. --USA Today
IRS hack: What to do when your Social Security number is exposed
Clients are advised to activate a fraud alert through a credit reporting bureau, such as Experian and Equifax, if they think that their Social Security number has been compromised, according to this article in Los Angeles Times. They also may consider placing a credit freeze to block all possible attempts to create new credit lines. There are no measures to prevent fraudsters from filing fake tax returns, but the IRS has launched a program called Identity Protection PIN as a preventive measure. --Los Angeles Times
Americans feeling better about finances, but still not prepared Fed survey
Sixty-five percent of Americans polled by the Federal Reserve claimed they had a comfortable life, with 29% of the respondents saying they were expecting a higher income next year, according to this article in The Wall Street Journal. However, 47% of the poll participants said they would not have money to pay for a $400 emergency bill, with 31% of non-retirees saying they had not saved for retirement or would receive no pension, the survey found. The survey results reveal a lack of economic preparedness among many adults, the Fed said in a statement. --The Wall Street Journal
Is your retirement planning future-ready?
Clients who engage in retirement planning are advised to account for the innovative technologies that will change the way things will be done in the future, according to this article on MarketWatch. For instance, robotics can perform the household chores that are difficult to do in old age, such as housecleaning and maintenance. Experts also are developing robotic wheelchairs that can transport disabled seniors without other people's help. --MarketWatch
Social Security Q&A: Can I use breakeven analysis for when to file?
Clients should not depend on breakeven analysis to determine the age at which they can start collecting their Social Security benefits, according to this article on Forbes. Social Security is essentially providing longevity insurance. With other insurance (say, homeowners or auto), clients wouldn't use breakeven analysis; instead, they'd look at the worst-case scenario (house burns down, car gets totaled) and determine how best to pay for it. Here, the worst case scenario is that you outlive your money. Clients are advised to use Social Security maximization software, and they'll often find the best strategy is to defer benefits until age 70, as that will boost the monthly value of the benefits.
Read More:
- Wealthy & Stressed Out Clients? How $1.3B Advisor Helps
- Long-Term Care: 4 Ways to Better Help Clients
- IRA Rollover Goofs to Avoid
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...blogs for gamers
Wednesday 22 February, 2017
And I blasted through the rest of the game. It was a ride. I feel pretty mellow now. I'm not gonna talk about any specifics because I'd hate to be the guy to spoil this for anybody, but it was amazing. I'd recommend this game to anyone who enjoys a good story, or anyone really.
I loved the scenery. Even with 5-6 year old assets, the artists knew what they were doing with composition. It's a treat to go through the game. The gameplay is always changing up, and while it's never challenging it's fun to see the mechanics.
One of my favorite themes in the game was the influence one has on other people, and the real difference you can make by your action (or inaction). In both required and optional elements there are many chances to be an influence for good. And at the same time, the opposing theme that there are things outside your control. Some things are in the past, and some things are so powerful they must be avoided. Loved seeing how the characters progressed. Fantastic.
10/10 game. Now one of my favorites. That ending.
Did the end of the game raise any ethical dilemmas for you? If so, could you explain?
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Motorola released Moto 360, at Google I/O 2014, has attracted heads to turn towards Motorola. Furthermore one could sense the designers of Samsung Gear Live and LG's G Watch (both of which were additionally released at the Google event).
The Moto 360 looks stunning while wearing on the wrist. Its stainless steel, a welcome change from the dark, plasticy giants for the sake of Android Wear. The fit and aesthetics seems to be top choice while the chamfered edges of both the glass coating the screen and the metal host makes it a super rich luxurious look more like a Swiss automatic than a smartwatch. The leather strap takes a rich classical look.
Engadget got Lior Ron, Motorola's wearable items head, to discuss the watch's configuration and design, which has gone classical and attractive, instead of garish and, well, not all that hot. The 360 is Motorola's method for recognizing the excellence of wrist watches, kind of like a "nod to the premium watch tasteful," said Ron.
The included flair won't go unnoticed. The way glass extends beyond the metal housing, when the pattern in mobile screens is with no gap between the surface of the glass and the pixels underneath them, has a handy sense as well. It has a circular display, which is stacked with pixels from edge to edge.
The smartwatch is excellent. However just the demo version was on showcase at Google I/O. So details on how it will really function is not yet accessible. Anyhow the Android Wear arms contest is on and its going to be a three-way battle.