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Thursday, May 19, 2011
Cust - Movin' On Up???
In the last 9 games Jack Cust has been hitting the ball quite well going 11 for 35 with 4 walks. That equates to an .314 AVG and a .385 OBP which isn't half bad. Although he still holds down the DH spot in the line-up that is generally reserved for power hitters in the American League.
Five of Cust's past 11 hits have been doubles and a few of them have come just shy of going over the fence, for some reason they just won't go out. A couple of other deep fly balls to the gap at Safeco have been recorded as outs as well that would have definitely been HR's at other ballparks.
So, the question is, "Is Jack Cust out of his slump?" Is the warmer weather warming up his bat? It's been proven that Cust always has a slow start, but to have no HR's at this point in the season and only 14 RBI as a DH is more than just a slow start. Even in his recent hitting escapade he only has three RBI in those 9 games.
Obviously we all know that it's not Cust's fault that he's not hitting people in. They have to get on base when he gets up to the plate. Although there have been a number of opportunities with runners on as well, there still is a bright side to what we've seen from him lately.
So, not everyone is going to see Cust's recent spark as enough to keep him on the club, or even near enough to be holding the DH spot hostage, but maybe this M's fan is starting to lean towards giving him a bit more time.
Then again, in the last 39 at bats he has struck out 11 times while walking just 4. He's beginning to swing a bit more freely maybe, or maybe he's starting to lose any respect from opposing pitchers and therefor getting more pitches to hit, or watch go by.
In conclusion, I don't know where I stand on the Jack Cust scenario. I can't stand that he's taking such a valuable position to do what he has been doing, but I sure am curious to see what he may do with more time. Then again, his career numbers aren't too much to write home about anyway.
Off with him then - who else can we have as DH???
Written By: Joe Henrickson at 6:35 PM
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Don't Like the Pope? Go to College
Here's a clever & timely graphic on the final day of the pope's visit to NYC: A new Pew Research Center survey shows a clear correlation between higher levels of education and having a favorable view of Pope Francis. Data Curated by prettyfamous.com and sourced from Gracenote. (Original data from Pew Research Center.)

subset: commoncrawl


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Wednesday, July 1, 2009
HP Mini 5101: Business cocktail
On what used to be targeted towards the schoolgrader market via the inception of OLPC, netbooks swoop the market with staggering might, like a digital Thor smashing the cold and conventions of an already established low cost PC market.
And just as we thought that netbooks are only a hybrid device of a student and a professional, here comes the business-centric netbook that might just changed the way we think of netbooks.
HP Mini 5101, packed with a rugged anodized aluminum display enclosure with a black, brushed metal finish and a magnesium alloy chassis, is here to invade the passive, plasticky feel of most netbooks. Sure enough, this isn't the first time HP release an aluminum based netbook, but what makes this one stunningly different is its black glossy exterior that defines elegance and sophistication.
Due to its "squared" design philosophy, one may mistook this to that of an IBM Thinkpad or a pint-sized HP ProBook, both known to be business handicrafts.
Just like the Toshiba NB200, HP Mini 5101 also features HP 3D DriveGuard, which offers a three-axis digital accelerometer chip that sends a signal to shut down the hard drive upon sudden movement or shock. In additon to that, the HP Panel Protection System also includes a scratch-resistant acrylic LCD cover and magnesium hinge bracket for added durability.
Deriving the HP ProBook design elements, the HP Mini 5101 has a newly designed, spill-resistant keyboard that is 95 percent of a full-size QWERTY keyboard. The keys are nice and large with significant spacing in between each key to prevent typos. The individual keys have "HP DuraKeys" coating which HP claims makes the keyboard 50 times more resistant to visible wear than keyboards without it. In addition, the mouse buttons are located in the traditional space below the touchpad, making for a familiar user experience.
Other rafts of oustanding features include 2MP integrated webcam and stereo microphones, 160/250/320 GB 7200 rpm SATA with HP 3D DriveGuard (supported on Windows models only); 80 GB Solid State Drive, 10.1-inch diagonal LED-backlit WSVGA (1024 x 600) / 10.1-inch diagonal LED-backlit HD (1366 x 768), 4-cell (29 WHr) or 6-cell (55 WHr) Lithium-Ion battery, 65W Smart AC Adapter, and since I am always at coffee shops, pne delight for me is the Kensington lock slot.
Price starts at $499, so I dread it might be around Php24grand here.
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First Look
I recently purchased the Monster NCredible NErgy In-Ear Headphones 2013 model and decided to do a review for you guys. These are a fairly popular pair of headphones and are for a reason, as they bring quality, style and ease of use all together into a single pair of in-ear headphones. These headphones are also reasonably priced considering the value they bring to the table and compared to other high-end in-ear headphones. My overall experience was very positive and I will explain further in my review below.
> > > Click here to see ratings, reviews, specifications and prices on Amazon < < <
My Experience with the NCredible NErgy
After unboxing the Monster NCredible NErgy In-Ear Headphones and putting them through some good use, I did start using them as my main pair of in-ear headphones. They are designed for city use, so grabbing them on the go or in a hurry is simple, as they feature an anti tangle cord and magnetic ear-buds, very rarely would the cord be tangled. The magnetic buds are designed to transform the headphones into a "necklace" for easy transportation when not listening to your music, I usually tuck them into my shirt or you can rock them out and show off the style.
The Monster NCredible NErgy In-Ear Headphones come in multiple color choices, also known by Monster as "flavors". These headphones are constructed with a durable plastic and are fairly lightweight; they also come with replaceable bud sizes to fit any ear size. In my opinion these headphones would also be great for sports considering they're snug fit and light weight. The microphone is very convenient and picks up sound properly while also excluding background noise, everyone I spoke to reported a clear audio and did not even know I was using headphones.
Audio quality
The audio quality on these headphones is exceptional, from my experience it is rich and clear, and also noise isolating. The bass wasn't as strong as some of my other in-ear's but it made up for it in clarity and fullness and was able to adapt to a wide variety of music types. It is recommended to burn them in for about 24hrs to get the full quality in the audio and I noticed this did help increase the bass more. I really enjoy using them and feel they are your ideal pair of city headphones!
Monster Size Features!
- Pure Monster Sound
- Super Comfortable
- Snaps Together For Neck Wear Style
- In-Line Controls for Cell Calls
- Tangle-Free Cables


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You may our may not have noticed this, but there has been an explosion of frozen yogurt places in Seattle. They are everywhere. Crazycherry in Capitol Hill. Mooberry in Ballard. Red Mango in U-Village and Downtown. I'm sure I'm missing some, but they are everywhere. I've only been to Red Mango and Mooberry, so let's talk about them.
Mooberry is in Ballard across the street from the Majestic Bay theatre, and they also have smoothies on the menu. They have a couple of different flavors of froyo on their menu and some toppings. The thing I like best about Mooberry is that they give you a ton of yogurt. A nice serving and theirs has a good creamy tang. They also give a discount for movie watchers.
Red Mango feels like stepping into an Apple Store that specializes in frozen yogurt. There are employees everywhere and the store is awash in white. Their toppings are excellent; the berries are fresh and they even have mochi as a topping. The staff is super friendly; be prepared for a ton of smiles. Something I wasn't as crazy about in my first couple of Red Mango visits was that the staff was weighing the portions. I chalk this up to the staff getting use to pulling the lever, but during my most recent visit, they gave us massive portions.
That leads me to cost, these new frozen yogurt places are expensive relative to the old standby of TCBY. Most places will charge a buck a topping. A medium with a topping will be over five bucks. Yikes. It's too bad TCBY's are all outside of the Seattle area.
But that still won't stop the masses from coming thanks to Pinkberry, which started the craze for froyo. (Have you seen their American Express ads?) Since their expansion in WA is slow going, places like Red Mango and Mooberry are filling the Seattle void. And the next dessert craze that's about to hit Seattle? Frozen custard. We'll be getting one near the Whole Foods on Roosevelt. My friends from the middle will love this.


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10 Best Boonie Hats In The Market – Expert Buying Guide
Many years back, Boonie hats were commonly used by the US army during the Vietnam war. Today, they are mostly used by campers, hunters and other outdoor experts like bikers
The question is, do you need a Boonie hat and are there any benefits you will get from wearing this kind of hat? Boonie hats not only give you a good look when you are outdoors but also offer a wide range of benefits which include the following:
- The hats are comfortable
- Portable
- Are affordable
- Available in different colors and patterns
- You can get the right size and shape
When you go out for fishing, camping, hunting or any outdoor activity, you need to get yourself a perfect Boonie hat that is comfortable. To help you pick the right hat, I have reviewed some of the best hats you can get on the market today. I have also given you a buying guide that will assist you to pick the right hat.
Table of Contents
- Best Boonie Hats of 2020 Comparison
- Recommended Best Boonie Hats in 2020
- 1. LETHMIK Fishing Sun Boonie Hat Summer UV Protection Cap
- 2. The Go-to Boonie Hat for OUTDOOR Activities
- 3. LETHMIK Boonie Hat Summer Fishing Sun Hat Outdoor Camouflage Hat
- 4. Tekma Sport Boonie Hat
- 5. Tru-Spec GEN-II Adjustable Boonie Hat
- 6. Columbia Sportswear Bora Bora Booney II Sun Hats
- 7. Sinddy Military Tactical Head Wear/Boonie Hat Cap
- How to Choose the Best Boonie Hat
- Final Words
Best Boonie Hats of 2020 Comparison
|Bike Name
|Latest Price
|LETHMIK Fishing Sun Boonie Hat
|100% Polyester Fiber Cotton
|2.2 x 5.9 x 10 inches
|Check Latest Price
|The Go-to Boonie Hat
|100% Cotton
|13.5 x 11.5 x 4 inches
|Check Latest Price
|LETHMIK Boonie Hat
|100% Polyester Fiber Cotton
|2.4 x 6.2 x 11.7 inches
|Check Latest Price
|Tekma Sport Boonie Hat
|0.5 x 6 x 8 inches
|Check Latest Price
|Tru-Spec GEN-II Adjustable Boonie Hat
|100% Cotton
|Not specified
|Check Latest Price
|Columbia Sportswear Bora Bora
|100% Nylon
|1 x 13 x 14 inches
|Check Latest Price
|Sinddy Military Tactical Head Wear
|Classic BDU
|7 1/2 x 13.5 inch
|Check Latest Price
Recommended Best Boonie Hats in 2020
Choosing a Boonie hat can pose a problem especially if you are buying it for the first time. The following hats that I have discussed in the guide are great, and they will suit any outdoor activity.
1. LETHMIK Fishing Sun Boonie Hat Summer UV Protection Cap
Do you want to own the best fishing hat that will get everybody looking at you during summer? Then you should buy the LETHMIK Fishing Sun Boonie Hat. This is a stylish hat that is super cool and features 100 percent polyester fiber cotton.
Not only is the hat soft and beautiful, but it is also lightweight and durable. It works well in preventing the rays of the sun from damaging your face and neck. The hat is also perfect for any outdoor activity, so you can wear it everywhere you want.
You can fold the brim of the hat up or keep it down depending on the coverage of the sun. Wear this hat when you are going for camping, hiking, race day events, pool or at the beach. This beautiful hat is designed with an adjustable wind rope that keeps the hat in place, especially during windy days.
The hat also features a high-quality craftsmanship. It is foldable and crushable, and you can wear it in different styles while still maintaining its shape.
- It is one size that fits most people
- Designed with quality materials
- The hat is foldable and crushable
- Comes at an affordable price
- It has an adjustable chin drawstring
- Offers perfect sun protection
- The hat is not machine washable
Piscifun Fishing Pliers Saltwater
2. The Go-to Boonie Hat for OUTDOOR Activities
Having the right outdoor outfit is perfect for your safety. If you count yourself as a hunter, fisherman, hiker or engage in any other outdoory and sport, having a Boonie hat is important.
One of the best deals that you can get today on the market is The Go-to Boonie Hat. The hat is designed to suit all outdoor activities, and it is designed with quality material that is 55 percent cotton and 45 percent polyester.
It features an adjustable drawstring that gives it the right stability, and it also has a side button closure that helps to keep the hat in place when there is the wind.
This hat comes in one size that fits most people between medium and large size. The hat also has 4 meshed brass eyelets that provide ventilation. This keeps your head cool when its too hot and you are sweating profusely.
- The hat has a nice look
- It fits most people
- It has meshed ventilations
- Made with quality cotton and polyester material
- Suits any outdoor activity
- The adjustable drawstring provides stability
- Men with large heads might find the hat tight
Piscifun Fishing Pliers Saltwater
3. LETHMIK Boonie Hat Summer Fishing Sun Hat Outdoor Camouflage Hat
Fishing is enjoyable during summer. This is the best time in which you can take your family out for a fishing trip or adventure. If you care about your skin, you should get the best protection against UV light. After all, you do not want to end the day with spots and sunburns.
For the next fishing trip, ensure that you carry the LETHMIK Boonie Hat. The hat can be used in different outdoor activities to prevent the harmful effects of the sun's rays. This camouflage hat is available in different sizes to fit different head sizes of adults.
It is designed with 100 percent polyester fiber cotton, and it is also lightweight. The hat weighs 0.2 lb so you can expect it to be very comfortable and lightweight.
It has a fold up brim material that you can easily fold up or down in different styles without compromising the shape of the hat.
- The mesh at the top keeps the head cool
- Lightweight and offers a perfect fit
- It is affordable
- Features a stylish design
- Complaints about the quality of the hat by some customers
Piscifun Fishing Pliers Saltwater
Also Read: Hunting Best Hunting Knife – Our Top Choice
4. Tekma Sport Boonie Hat
When you are outdoors for activities such as fishing, hiking, hunting or t the beach, it is good if you have a hat that will protect you from the sun. The Tekma Sport Boonie Hat is a stylish hat is ideal for men and women and can serve different outdoor activities.
The sun hat comes in different colors so you can pick the one that you want. It is also designed with a wide brim that keeps the ears, face, and neck protected from the sun, so you will not suffer from sunburns when you are out for any outdoor activity.
For a custom and comfortable fit, the hat is made with side snaps to pin upsides, and this makes it easy for you to move the brim out of your when you need to.
The hat is very light and comfortable. It is designed with a quality cotton/polyester with vented holes to bring about an effective flow of air. Even on sunny days, you do not expect to feel uncomfortable because the hat has vents that keep your head cool.
- Perfect for both male and female and one size fits most users
- The hat is ideal for any outdoor activity
- It is light and comfortable
- The side snaps allow you to fit the hat well
- Works well in reducing sunburn risks
- It is available in different styles
- Made with a breathable material
- The brim is not wide enough
Piscifun Fishing Pliers Saltwater
5. Tru-Spec GEN-II Adjustable Boonie Hat
If you love spending time outdoors, you understand the conditions that you can get when your skin is exposed to the sun. You want to have a great time outdoors without causing your body any problems.
Therefore, it is great if you get a perfect sun hat that will protect you from the rays of the sun. The Tru-Spec GEN-II Adjustable Boonie Hat has a nice khaki color, and it can be a great deal if you want to keep yourself protected from sunburns.
The hat is designed with a quality cotton ripstop/polyester to guarantee you with quality. This hat meets all the requirements of US MIL-SPEC so you can e sure that you are purchasing a quality product.
It features brass screen vents that make it highly breathable. This is very important especially during summer when it is a little hot. It keeps your head cool by allowing cool air to get into the hat through the vents.
- It provides a perfect fit
- The hat has a nice look
- It has an interior map pocket
- Designed with bass screen vents
- Features an adjustable sizing strap
- Comes at an affordable price
- The hat doesn't fit all
Piscifun Fishing Pliers Saltwater
6. Columbia Sportswear Bora Bora Booney II Sun Hats
The Columbia sportswear sun hat is another amazing hat that you can get if you want to enjoy staying outdoors. The hat has a nice fossil color, and it features UPF 50 to block 98 percent of harmful; UVA and UVB rays.
For comfort, this hat has Omni-wick sweatband that combines both a mesh and vent panel. This ensures that you get an effective flow of air to keep you comfortable and prevent the sweat from dripping into your eyes.
There is an adjustable toggle that allows you to customize the hat to fit your head. It also has an adjustable chain strap that provides further security when you are wearing the hat.
- Designed with mesh vent panel for effective air flow
- The adjustable toggle allows you to get a customized fit
- The chain strap provides more security
- It has an Omni-shade UPF 50 sun protection
- Designed with 100 percent nylon
- The hat is lightweight
- Perfect for sun protection
- Collapses into a small size for easy packing
- The hat could have been more stylish
Piscifun Fishing Pliers Saltwater
7. Sinddy Military Tactical Head Wear/Boonie Hat Cap
Are you searching for a nice sun hat for sports, wargame, fishing or any other outdoor activity? Try the Sinddy Military Tactical Head Wear/Boonie Hat Cap, and you will love every single thing about the hat.
The hat has a nice USA flag camouflage and features two snap buttons to help you change the hat into different styles. There are four brass screen vents on the hat that make it very breathable. This ensures that you stay comfortable when it is too hot, and your head remains cool.
The hat is also made with an adjustable chinstrap that helps you get a perfect fit. The strap keeps the hat in place especially during windy days, so you will not risk losing your hat.
- Works well in blocking the sun
- Designed with a durable material
- Made with adjustable chin strap
- It has four brass screen vents to allow cool air
- The hat has the best flag
- Some customers complain of the hat being smaller
Piscifun Fishing Pliers Saltwater
How to Choose the Best Boonie Hat
Are you wondering which are the great features that you should check in a Boonie hat? Consider the following guidelines that will help you purchase the best Boonie hat on the market.
Comfort should come first when youking a Boonie hat. For instance, if you intend to wear the hat the whole hiking trip, it should be very comfortable. If you buy a hat that doesn't provide you with comfort, you might end up wasting your money. Always check how comfortable the hat will be when you are buying.
You will be wearing your hat during the day, so it is great if you consider the breathability of the hat. Because you will be sweating as a result of the excess heat, you need a breathable hat so that it can promote a free flow of air to keep you cool. If the hat is not breathable, it will end up accumulating sweat inside, and it can cause smell or make your hair look messy.
The best Boonie hats should offer you a long-lasting performance. The best way in which you can tell the durability of the hat is crushing it, and it should get into its place after being crushed. If you notice the hat has holes or is easily destroyed after crushing it, the hat is not durable. Spend your money and purchase a durable hat that will serve you well during outdoor activities for many years.
UV Protection
It goes without saying; the main reason why you want a Boonie hat is for UV protection. When you are outdoors especially on a sunny day, the sun'suse damages on your skin with time hence causing spots and other skin related conditions. The best way you can protect your skin is by wearing UV-protective clothes like hats. Consider clothing with higher UPF protection because they will give a better UV protection.
Final Words
Currently, Boonie hats have become very common, and they are used as uniforms in many services, military and even by civilians. The hats provide you with the best protection against UV light among other benefits.
If you were wondering where to start when buying a Boonie hat, I believe you have found the reviews and the buying guide useful. I have picked the best hats on the market that will be great for any outdoor enthusiast out there.
The above hats come in different camouflage colors and patterns, so you just need to pick the best depending on your environment. If you are a true outdoorsman, then consider any of the hats great. The hats are durable, comfortable and very affordable and most importantly they provide the best sun protection.
Relevant Resources:
- Tenshing Hats – Protect Yourself From Sun!
- Best Headlamps – Top Selections From An Adventurer!
- Best Sunglasses – Top Polarized Units
- Best Gloves – Get Yourself Out of Fishing Danger!
- Best Pliers – Top Freshwater & Saltwater Models


text: Please use this form for legitimate contacts concerning the Texas Whale Race Car or MoparStyle Racing. Please do not use it to spam me. I don't wear Ugs and don't need an iPhone. If someone died in Africa and left me millions of dollars — go ahead and donate to Hillary Clinton's campaign in my name.


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As you walk across the field towards this large portal tomb, the scale of its largeness becomes increasingly apparent. The capstone rises some 3m from the ground and rests on two of the most balanced portal stones I have seen. These are shaped so that they reach a fine point in profile on which the capstone rests.
The chamber is half full of cairn material, which almost reaches the top of the cute half height door stone. 2m long slabs form the side walls of the chamber, the rear of which is over-grown by the hedgerow, because this tomb unfortunately stands in a field boundary.
I found a small piece of chalk not too far from the monument, which is interesting because the nearest source is some 20 miles north in Antrim.
I don't get up to this part of the country very often so I had to sieze the chance to visit Greengraves while I was here. I am so glad I did, because for the first time in a long time it has been cleared of all the gorse bushes that used to mask the front. For the first time I actually saw the portal properly. Although oddly one little whisp of gorse has been left standing next to one of the portal stones .
I wish that this magnificent monument could be liberated completely from its hedgerow prison, but I cannot see it ever happening. It would be really good to be able to walk all the way around it and see it properly from every angle.
Portal stones are a pair of upright stones that form the 'entrance' to a portal tomb. They are usually well matched, being of even dimensions. As well as forming this doorway they also act as the front support for the capstone and are usually taller than the stones that form the chamber.
Often there is a door stone in between them blocking off access to the chamber within.
Although this is nearer to Dundonald it is best to give directions from Comber. Head north on the A22 from Comber for 4km, almost into Dundonald. Turn left here and take the next right hand turn you come to. After just under 1.5km there is a track to the left. The tomb is in the field just beyond this track.
This is an explanation of (and a bit of a disclaimer for) the coordinates I provide.
Where a GPS figure is given this is the master for all other coordinates. According to my Garmin these are quite accurate.
Where there is no GPS figure the 6 figure grid reference is master for the others. This may not be very accurate as it could have come from the OS maps and could have been read by eye. Consequently, all other cordinates are going to have inaccuracies.
The calculation of Longitude and Latitude uses an algorithm that is not 100% accurate. The long/lat figures are used as a basis for calculating the UTM & ITM coordinates. Consequently, UTM & ITM coordinates are slightly out.
UTM is a global coordinate system - Universal Transverse Mercator - that is at the core of the GPS system.
ITM is the new coordinate system - Irish Transverse Mercator - that is more accurate and more GPS friendly than the Irish Grid Reference system. This will be used on the next generation of Irish OS maps.


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The Ranchi Rays were crowned the new Hockey India League champions after they defeated Punjab Warriors in an exciting HIL final. Tied 2-2 at full time, the game went into the penalty shootout where MS Dhoni's Ranchi Rays emerged ultimate winners by defeating their opponents 3-2. This is the second time in three seasons that a Ranchi-based franchise has won the Hockey India League.
HIL Final – Attacks traded on both ends as first half yields no goals:
The Major Dhyan Chand stadium in New Delhi saw thousands of hockey faithful flock the arena. The game took off at a frenetic pace and Ranchi Rays attacked upfront right from pushback. The Warriors too responded well with their defence and initiated few counter-attacks. Ranchi had an early opportunity in the 6th minute through Prabhdeep Singh, who had an early shot at goal.
The defenders were having a great night at the Major Dhyan Chand stadium. Birendra Lakra once again played an important role for the Ranchi Rays and was well supported by Fergus Kavanagh and Kothajit Singh. For the Punjab Warriors, Sandeep Singh, Christopher Cirello and Mark Knowles were successful in keeping the Ranchi strikers at bay. No goals came in the first 30 minutes and the game was poised at 0-0 at half time.
3rd quarter: Kieran Govers puts Punjab in lead, Minz equalizes for Ranchi Rays
After the pacy first half, a shower of opportunities was certain in the second half. In the 39th minute, Kieran Govers of Punjab Warriors scored a brilliant goal off his first touch to put his team in the lead. After the goal, it seemed like the Ranchi Rays doubled their speed and began to attack more fiercely. This also helped them win a penalty corner and Ashley Jackson's drag-flick was blocked by Jaap Stockmann, the Punjab keeper. Minz received the rebound and tapped the ball home for an equalizer in the 42nd minute.
4th quarter: Cirello scores, Barry Middleton draws level to take game into penalties
The fourth quarter of the grand finale was probably one of the best quarters in the HIL history. Punjab Warriors were in desperate need of a goal and they found a penalty corner at the perfect time. Christopher Cirello's drag-flick in the 56th minute went past Tyler Lovell and the Punjab defender set off to a celebratory run. Their joy was short lived as Ranchi Rays came back to equalize once again in the very next minute. A smart pass by Trent Mitton found Barry Middleton inside the shooting circle and the latter scored a brilliant goal to take the game into penalties.
Ranchi Rays prevail in penalties:
Ranchi Rays entered a second straight penalty shootout after the one in the semifinal against Uttar Pradesh Wizards. Simon Orchard took the first penalty for Punjab Warriors but Tyler Lovell denied him with a fantastic save. For the Ranchi Rays, Ashley Jackson converted his penalty to hand the Ranchi Rays a one-goal advantage. Punjab were back into the contest as Christopher Cirello netted his penalty while Birendra Lakra was denied by Jaap Stockmann. The score read 1-1 after two penalties each.
Dharamvir Singh of Punjab Warriors converted his penalty to get his side back into the lead. In reply, Daniele Beale too scored for Ranchi and it was anyone's game. Tyler Lovell then produced the moment of the match when he denied Punjab forward SV Sunil with an outstanding save. Manpreet Singh converted the next penalty and now Ranchi were in the lead. It was a 'save to win' situation for the Rays and Tyler Lovell did exactly that. The Ranchi Rays' supporters were on their feet and they let out chants of victory which resounded through the arena.
Awards at the HIL final presentation:
HIL Fair play award: Uttar Pradesh Wizards
Maximum goals trophy: Punjab Warriors
Dhruv Batra motivator of the tournament: PR Sreejesh (UP Wizards)
Most Valuable Player of the tournament: Ashley Jackson (Ranchi Rays)
Ponty Chadha award for most promising player: Harmanpreet Singh (Ranchi Rays)


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NBR Trifecta residential project is developed to offer all category people aspiring to build their dream home in IT city Bangalore. The project is developed by NBR Group and plots are available with a pre-launch offer of Rs. 1350/- per sq. ft., while actual price is Rs. 1550/- per sq. ft. For complete details call 8880003399.
Located on the Sarjapur-Baglur Highway, 5 km from Sarjapur centre, NBR Trifecta is a perfect place to experience what is called modern living amenities. NBR Trifecta is DTCP approved and HNDTA converted as well as approved by many premiere banks to provide loan with 9 EMIs. call 8880003399
NBR Trifecta major amenities


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It means remembering that he is your David in the story—and you can never bring down giants through your own courage, willpower, or efforts. It's always Jesus who brings the giant down.
— Goliath Must Fall
To Fail to Pray
To fail to pray, then, is not to merely break some religious rule—it is a failure to treat God as God. It is a sin against his glory… Prayer is simply a recognition of the greatness of God.
— Timothy Keller, Prayer
The fundamental issue here is: What does sin do to God, and how is this set right? The most important answer is that sin dishonors God. It detracts from his glory. It belittles him. It treats him as inferior in value to what we prefer in our sinful desire.
— John Piper
Link — Articulating the Glorious Cross to an Atonement-Rejecting Culture
The Compelling Purpose of God
At the beginning of the Christian life, we have our own ideas as to what God's purpose is. We say, "God means for me to go over there," and, "God has called me to do this special work." We do what we think is right, and yet the compelling purpose of God remains upon us. The work we do is of no account when compared with the compelling purpose of God. It is simply the scaffolding surrounding His work and His plan.
— The Compelling Purpose of God, Oswald Chambers
God is Good
During times of disaster, when a piece of positive news is heard – for example a property was spared – a Christian will often automatically (and rightly so) exclaim that God is good… But, had that property been taken in the blaze, would that in some way render God 'less good'? — I'm a Christian and my house just burned down
Ephesians 2:3-5
… Like the rest, we were by nature deserving of wrath. But because of his great love for us, God, who is rich in mercy, made us alive with Christ even when we were dead in transgressions—it is by grace you have been saved. — Ephesians 2:3-5 (NIV)
God's Purpose or Mine?
What is my vision of God's purpose for me? Whatever it may be, His purpose is for me to depend on Him and on His power now. If I can stay calm, faithful, and unconfused while in the middle of the turmoil of life, the goal of the purpose of God is being accomplished in me. God is not working toward a particular finish— His purpose is the process itself. What He desires for me is that I see "Him walking on the sea" with no shore, no success, nor goal in sight, but simply having the absolute certainty that everything is all right because I see "Him walking on the sea" (Mark 6:49). It is the process, not the outcome, that is glorifying to God. — God's Purpose or Mine?, Oswald Chambers


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Monday Motivation: God is a good dad!
Ps 103:13
A few months ago, my oldest baby girl turn 5, for her birthday she asked me for a Lalaloopsy dress, if you don't know what Lalaloopsy is don't fret I didnt know either.
there you have it!lalaloopsy dressSo I did a quick google search for lalaloopsy products, I found a few pajamas from walmart which were out-of-stock, amazon didn't have any so I sadly told her I'm sorry honey, I could find the dress, let pick something else. The day before the birthday, I went out to get party stuff, hats and candles and whatnots, on my way back I saw a marshalls (my favorite place) so I went in, check the shoes rack, browse through the homegoods and made a quick stop by the kids clothes... and what do you know? it's a lalalopsy dress just ONE in my daugther's size! not just some dress with the picture on it, the real thing!
birthday princess in her lalaloopsy dress
I know we sing all the time "How Great is our God" but what a great dad He is? to care about a toys dress, a make beleive dress? and I didn't even have to pray about, I mean you don't go "bother" God about something so trivial right? but He still cares!
I'm just blown away.
God is a good dad! He cares about the littlest details of our lives.
Praise God! Happy Monday!


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How To Choose A Quality Used Car
Buying a used car is a smart choice for many Australian shoppers, and with thousands of pre-owned cars on the market, there's plenty to choose from.
Of course, it's super important to choose a quality used car – otherwise the money you're saving over purchasing a brand new one could be wasted on repairs and higher running costs.
Fortunately, there's plenty you can do to drive away in your dream used car (whilst avoiding any potential nightmares!)


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With one single point of contact, we are your one-stop shop for Standard parts, working 24 hours a day, 7 days a week.
See all our vacant positions
A world leader in the parts management business.
Check out all upcoming seminars and feel free to contact us to discuss the possibility of customised material management training currently not listed.
View list >>


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Galway Wind Park team wins Excellence in Sustainability award
The Galway Wind Park Delivery Team, consisting of SSE, Coillte and Roadbridge, scooped the award for Excellence in Sustainability at the 2016 Irish Construction Industry Awards last week.
The awards ceremony took place on Thursday 2 June at the DoubleTree by Hilton hotel in Dublin, with over 500 industry professionals in attendance.
Now in their third year, the Irish Construction Industry Awards are designed to recognise, encourage and celebrate original and innovative contractors, businesses, teams, consultants and projects that demonstrate excellence in the built environment.
When complete, SSE and Coillte's Galway Wind Park will be Ireland's largest wind farm. With up to 69 turbines and a total export capacity of 169MW, it will produce enough green energy to power around 84,000 homes, equivalent to roughly 90% of the homes in Co. Galway. Construction of the wind farm is due to be completed by Autumn 2017.
James O'Hara, SSE's Project Manager for Galway Wind Park, commented: "We're delighted to win this award for Excellence in Sustainability. The delivery of Galway Wind Park is a real team effort between ourselves, our joint venture partners Coillte, and the principal contractor Roadbridge. The team is committed to sustainability, both in terms of environmental standards and responsibility to the local communities. We had a great night at the Irish Construction Industry Awards and I would like to congratulate all of the other winners and all those shortlisted."
The Galway Wind Park Delivery Team was also shortlisted for the Green Construction Award at the event.
In April, the team was a finalist at the Green Awards in the Green Project of the Year category.


text: Meet the Community Ambassadors here at King Charles 1. The Community Ambassadors have been busy delivering the "Keep it Real" presentation within their school as part of National Personal Safety Day. They also went out to Chaddesley Corbett Primary and St Georges Primary to deliver assemblies on Firework safety. Great work!


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The front page says that $14.6billion has been awarded, saving 30,082 jobs. The math on that should scare the hell out of anyone.
Colorado seems to be in the lead with 4,695 jobs.
Rhode Island saw 5.93 jobs saved or created. Five point nine three.
Such robust results! But sadly, we've seen the "bulk" of the help from stimulus spending.
"Christina Romer, the chair of President Barack Obama's Council of Economic Advisers, said Thursday that the $194 billion already spent gave a jolt to the economy that contributed to growth in the second and third quarters of the year. She told a congressional panel that by the middle of next year, the impact of the stimulus will level off. Romer said spending so far has saved or created 600,000 to 1.5 million jobs but warned that unemployment will remain high, above 9.5 percent, through the end of 2010."
I'm confused. 30,000 jobs saved or 1.5million?


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(a) When a manufacturer gives a notification required under 46 U.S.C. 4310, the manufacturer shall concurrently send to the Commandant by certified mail—
(1) A true or representative copy of each notice, bulletin, and other communication given to persons required to be notified under 46 U.S.C. 4310(c);
(2) The manufacturer's best estimate of the total number of boats or items of associated equipment potentially affected by the defect or failure to comply with a standard or regulation prescribed under 46 U.S.C. 4302; and
(3) If discovered or determined by the manufacturer, a chronology of all principal events upon which the determination is based.
(b) A manufacturer may submit an item required by paragraph (a) of this section that is not available at the time of submission to the Commandant when it becomes available if the manufacturer explains why it was not submitted within the time required and estimates when it will become available.


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Happy New Year to you, lovely readers! I hope you've had a joyous holiday season! I spent the week between Christmas and New Year's in Tahoe, re-learning to ski. It had been about 30 years, but lo and behold it all seemed to come back! All but the fearlessness. I like to go s-l-o-w now. There wasn't much snow, but they made enough artificial snow for the beginning and intermediate runs to be open. The light blanket of white was perfect for me to carry out most of my lifelong cabin-in-the-snowy-woods fantasies. Crackling fire every evening, Scrabble games and hot chocolate, fuzzy socks, etc.
So, what do you think about resolutions? I'm more introspective around my birthday and find the idea of everyone in the whole wide world making goals on an arbitrary calendar day to be a bit cliche. That said, I do them anyway! I love lists, so why not?
This past year was a toughie for me… Along the way, I've considered sharing it with you, but in the end decided against it, as this is a blog about lifestyle not my life. I've even thought about creating another blog devoted to navigating the rough waters. A place for those in similar situations to come and feel better and know they're not alone. Who knows, perhaps I still will or perhaps I'll write a book… Think "Gone Girl" + "50 Shades of Gray"! So, for those here solely for the normal content, please bear with my New Year, New You post. I will be done after this ☺. At least on here…
While I won't go into the details of my story, I do want to pass on a few things I learned in the process so that if you – sweet reader – are going through something really difficult – you might be able to get a jump start on feeling better and changing the trajectory of 2014 from bad to great.
1. It will pass. Repeat to yourself, "I will get through this and be better for it."
2. If you can only manage one thing in your day, make sure it is exercise and good nutrition. So, put that donut down. Nope, you must.
3. Get out of your house. It is a natural tendency to want to hermit yourself and be alone. But the hustle bustle of a busy street or a scenic drive or sitting at a café will be a distraction even if you don't feel it at the time.
Yes, it's a short list, because when you are in crisis mode, this is all you can handle.
On the topic of New Year's resolutions, weight loss and good health practices are on everyone's list. The main thing that got me through this year was exercise and eating well. There were days where I could only run a few feet and would stop. Despite being a long time runner, I had to force myself to run just a little farther every day. If for no other reason, your immune system is compromised during stressful times so you are more prone to getting colds and the like. The gravy is that you will look good when you come out it 😉
So (I hope I don't sound preachy…) here is my formula for getting to the weight you want…. Ready?
1. Eat the same thing for breakfast and the same thing for lunch every day (or at least 5 x per week). Do you remember when Oprah gained her weight back and she showed how she was going to lose it again by posting notes in her kitchen with her schedule of what she could eat and when? It made me hungry. The logic with eating the same thing every day is that you completely stop thinking about food, because if you know that at 10:00am you get 6 almonds, you will be hungrier in anticipation.
2. Eat breakfast and lunch as late as you can – after 1:00pm for lunch is best.
3. Exercise. The reality that an average height woman can only eat 1500 calories per day is harsh. Sorry to deliver the news. That is not much, and most of us exceed that and are still hungry. Go burn some calories!
So here is to a brand new year and enjoying it day by day!


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Our Races
Hosted by triathletes for triathletes.
Deva Divas
12th July 2020
Ladies sprint triathlon
Proud winners of British Triathlon Event of the Year 2016
Deva Aquathlon Series
27th May, 24th June, 29th July and 26th August 2019
Great midweek event for beginner to elite athletes and everyone in between. Our aim is create a low key event which is fun and enjoyable and not all about coming first.


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- Description
DetailsMethode Essentielle La Capsule 63 Units by La Biosthetique is an anti aging lipid serum to regenerate and balance the epidermis. La Capsule by La Biosthetique has Vitamin A to with stand the adverse affects of the daily aging factors and vitamin E protects the skin from damage to the cells cause by free redicals. The skin becomes more vibrant, strong and active and elasticity is improved, the skins surface becomes softer and smoother.
- Reviews


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Carpet stains! Where do they come from? Who did it?
No matter where carpet stains come from they are unsightly and need to be treated professionally to remove them from your carpet. Stain Treatment of your carpet means you don't have to conceal the stain, spots, marks or dried in spillages, professional cleaning by Clean Smith can ensure removal of most stubborn stains.
Carpet Stain Treatment
Our Carpet Stain Treatment process is an integral part of our Carpet Cleaning service and involves targeted cleaning. It begins by a thorough and professional pre-vacuum of your carpets. We then treat the stain with our safe and eco friendly cleaning products.
The whole carpet is then cleaned using our equipment and carpet cleaning process which includes a prespray treatment followed by a deep pile agitation of the full carpet area then a thorough deep carpet clean leaving your carpet stain, spot free, clean and fresh.


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Northeast Calgary Drain Cleaning Service
Highmark Plumbing can handle it your Northeast Calgary drain cleaning service. Our skilled technicians understand that many things that can happen to the drains around your home or business and are prepared to get them cleared, cleaned and possibly even repaired, as needed.
One of the most common problems with drains comes from tree roots. Trees naturally reach for nutrients and water, both of which are often contained in household and business drains. Unfortunately trees quickly grow into the spaces through which the water and effluent should flow, clogging them up and preventing efficient drainage. There are several possible approaches to clearing tree roots. There are chemical gross inhibitors, that can eliminate and prevent further infestation for one, or a power tool that rotates through the drain opening and cleans the roots out is another option. Usually the rotary cleaner should be followed up by the chemical inhibitor to prevent further growth. The good news is that this does not damage the trees it just keeps them from growing in to your drain. Another frequent cause of drain damage is if heavy equipment is driven across a driveway that has the drain running beneath it. When this happens, it might crush the drain shell or even break it. The good news is that not even this repair requires the kind of digging that used to be necessary for drain rebuilding. Instead, we examine the interior of the pipe with a camera, then run an augur through the area that has been damaged. Then using a light flexible line we pull a flexible replacement pipe through the original space. The replacement expands and replaces the faulty line.
Highmark Plumbing can handle your Northeast Calgary drain cleaning service, just give us a call at (403)407-5750, and we will be happy to discuss your drain cleaning needs. A team will visit you and examine what is going on, create a fair and reasonable estimate of what your needs, and with your OK, take care of the repairs.


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Your Search Results
HR Tech, Fitness, Fitness Subsidies, Game Room, Pet Friendly, AngularJS, Match charitable contributions
3 Companies
HR Tech • Software
Checkr's mission is to build a fairer future by improving understanding of the past. Our platform makes it easy for thousands of customers to hire millions of people every year at the speed of the gig economy. Using Checkr's advanced background check technology, companies of all sizes can better understand the dynamics of the changing workforce.
100Local Employees
DHI Group, Inc.
HR Tech • Professional Services
DHI (NYSE: DHX) is a leading provider of data, insights and employment connections through our specialized services for technology professionals and other select communities. We're the parent company of: Dice - careers for tech professionals ClearanceJobs - careers for security-cleared talent eFinancialCareers - careers in financial services
130Local Employees
Greenhouse Software
HR Tech • Software
People are the fundamental source of value for business today. The smartest and fastest-growing companies know Talent is their competitive advantage. Greenhouse provides the technology, resources and expertise to make every company great at hiring.
40Local Employees


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Welcome From the President
Welcome to the University of Mount Olive!
Congratulations on your decision to take this next step in your educational journey. You are making an investment that will provide an opportunity to transform not only your life, but also the lives of all those you come in contact with.
Founded in 1951, the University of Mount Olive offers a comprehensive academic experience. Though we have grown to meet the needs of a diverse and growing student population of traditional, adult and online, and graduate students, we have not lost sight of our purpose. UMO's mission to serve as a Christian faith-based, values-centered private institution rooted in the liberal arts tradition encompasses everything we do as we serve our students, our founding church, and our communities.
No matter what format you choose to continue your education, know that we are all dedicated to helping you reach your full potential. From your first class to the day you walk across the stage for graduation, we will be with you every step of the way.
I encourage you to start your transformation as you join us at the University of Mount Olive. It's a great day to be a Trojan!
Dr. David Poole
University of Mount Olive President


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Friday, March 22, 2013
Frugal Friday With Marsha 3/22/13
It's Friday already?? This week hasn't been near as busy as last week, but there were a few things thrown into my schedule that I didn't expect.
Again the paycheck didn't last the week----here's your shopping tip for this week: Don't send your hubby to the store! Wait, I think I've warned you about that before.
I did just that Saturday evening because I was working the whole day at our church helping with pictures for the church directory.
He picked nutrionally (sort of)--pigs in the blanket made with turkey hot dogs and reduced fat crescent rolls, pork and beans, low fat cottage cheese and sugar free peach slices. However, other than a gallon of milk, that is all he bought.
Again, I called him at work and asked him to pick up a few things on his way home---he came home with nothing. There wasn't enough left in his account to pay for the groceries! Thankfully we still had enough supper type foods to make it through the week from my stockpile. In fact, we still have a few meals worth. It is nice to know that some of my massive coupon shopping of the past has paid off.
So......this week, I am going to ask that you comment with suggestions on how I can get hubby to stop over spending and to actually keep track of his checking account!! I have already had him sign up for an online account, the problem is that he checks and sees there is a balance and spends. He doesn't keep in mind the things that I have told him will be coming out automatically. We've had $90 is overdraft fees this month and that could have been a LOT of groceries! HELP!!! (Admittedly, this taking the mom's out to eat on Friday nights has been a mutual decision and an expense we really can't afford. I'm rethinking how we had went to it before, which was me doing all the work and having them to our house for supper)
This week I got in a few freebies: Soft Scrub Advanced to try and review, Dial Kids Hair and Body wash to try and review, sample of Tide togo stain eraser, shampoo and conditioner samples and several magazines from free subscriptions.
Your turn! Share away please.
Posted by Marsha Cooper at 9:32 AM 2 comments Links to this post
Thursday, March 21, 2013
Purex plus Fabric Softener with Crystals Fragrance Review and Giveaway!
With the Purex plus Fabric Softener with Crystals you don't have to buy any additional laundry products. You can still use the Crystals in addition to this detergent for an even more long-lasting fragrance. Same price, same Purex value, same Purex effectiveness that we've all grown to love.
As of this year, 2013, all Purex detergents contain Dirt Lifting Action as well.
As stated, I've always liked adding the Crystals to my wash. I love that the fragrance sticks with the clothing, but I especially love it for my bedding. What I found is the Crystals fragrance in the detergent is not as strong as in the Crystals themselves, but it's still a nice fragrance. I'm finding the fabric softener in the detergent to be more than effective. The clothes are not coming out of the dryer with static at all.
You can find the new Purex plus Fabric Softener with Crystals Fragrance at your local Walmart, Target, Kroger and other Purex retailers.
Would you like your chance to win one of 3 free coupons and try it yourself? Just enter using the rafflecopter below.
a Rafflecopter giveaway
Disclosure: The Purex brand provided me with a bottle of Purex detergent plus Fabric Softener with Crystals Fragrance in exchange for a product review. Coupons for the giveaway are provided to me by Purex. No other compensation was provided, and all opinions in my post are my own.
Posted by Marsha Cooper at 4:03 PM 5 comments Links to this post
Squidoo Hopping---Children
Again I have to apologize for missing last week! I had to drive out of town and pick up my middle daughter and bring her to town for her sonogram. She's having a boy!
With children on my mind, that is why I am making this week's theme children. Please share with us 1 or 2 of your lenses having anything to do with children.
Don't forget that if you have blogged recently about squidoo to also link those posts up as well!
Posted by Marsha Cooper at 9:53 AM 2 comments Links to this post
Labels: children, lensmasters, squidoo, squidoo blog hop, squidoo hopping, squidoo lenses
Tuesday, March 19, 2013
Kroger CARBmaster and Greek and Greek Lite Yogurts!
As a bzzagent I have had the opportunity to give Kroger's CARBmaster and Greek Yogurts a try.
First let me tell you a little about them.
The CARBmaster yogurts are low carb and high protein. It's also comes in milk, which is a low carb, high protein drink and cultured dairy blend.
The Greek and Greek Lite yogurts are incredibly rich & smooth and have twice the protein as regular yogurt. Grrek yogurts have less lactose, half the refined sugar and are made with Stevia and real fruit. The Greek lite has 16 grams of protein and only 90 calories!
What did I think of them? I didn't actually try the CARBmaster yogurts. I let my daughter eat those as they go perfectly with the new meal plan she is using with her exercise program. She said she could taste an artificial sweetener taste in them, otherwise they were fine. I do plan on buying her more.
I've never been a fan of Greek yogurt as I've never liked the thick texture of it. A friend suggested that I use it as a fruit dip. I did just that and it was wonderful! Yes, I will be buying myself more just for dipping my fruit in. I like that I am getting the extra protein along with my fruit.
Disclaimer: I rec'd coupons and a gift card to buy the yogurts from bzzagent.com. I was not compensated in any other ways and any other opinions are my own. Other information was provided to me in my campaign kit.
Posted by Marsha Cooper at 4:34 PM 3 comments Links to this post
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Not sure about purchasing?
Like to "try community living for a while?"
We offer select, quality homes for rent at each of our communities. All rentals offer an annual lease. Select from 1, 2, and 3 bedroom homes. Rent includes lawn maintenance and off-street parking. Sorry, no pets. Non-refundable $50.00 application fee. Call 414-282-2000 for more information or to set up an appointment to view.


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Letter To Students
August 19, 1999
To graduate students who wish to request me to be their advisor:
The following is what you can expect from me and vice versa if we decide to work together:
To the best of my ability, I will advise you on your research, your program of study, and any career-related questions. I will monitor your progress and provide an environment conducive to research. I will consider your ideas and suggestions. I will give you an appraisal of your current performance. I will help you to publish your work and establish a professional reputation. I will provide you with a letter of recommendation whenever you apply for a job, or to another department or university -- if your performance merits it; and will allow you to see the letter. If you wish to change advisors, I will not obstruct you in any way. If possible, I will help you with funding -- top priority goes to Ph.D. students who are publishing in journals. When practical, I will help you learn about applying for funding. I will be clear as possible about standards and expectations. I will always treat you the way I would want to be treated if our situations were reversed.
You will work diligently toward your educational goal. This includes strong performance in classes and research. You will perform research tasks quickly and professionally. You will notify me of serious obstacles to progress, but will not need detailed instructions for straightforward tasks. You will keep in touch regularly, will have an electronic mail account and read it frequently, and will check for mail or messages daily. You will keep an up-to-date and informative web page and resume on the web server. You will set daily, weekly, monthly, semester and annual progress goals and do your best to meet them. You will attend our weekly lab meetings attentively and on time. You will keep your work written up regularly, and will publish it when ready. Your experiments will be documented, repeatable and measurable. If you are an M.S. student, you will prepare at least one journal-quality article and submit it before graduating. Collaboration is OK on this if your role is significant. If you are a Ph.D. student, you will prepare at least two journal-quality articles and submit them before graduating. These must have a primary emphasis on your contribution. In either case, you will commit to making the necessary changes suggested by the referees and successfully publishing the work, even after graduation, and even returning briefly for additional experimentation if necessary. To prepare for the above, you will write conference papers and present them yourself whenever practical to do so. You will put electronic copies of all accepted papers on the web server, and will file paper copies in the lab file cabinet. Each semester, you will prepare at least one report of research accomplishments, which will be filed electronically and on paper similar to publications, but will not be available for public access. Your performance evaluations, continued employment, recommendations, and raises will be determined by the quality of accomplishments in your report.
We will both make a commitment to have fun and enjoy the process of working and learning together. Please read this letter carefully and make sure you agree to all this before asking me to be your advisor. Then, study the materials from my research program and be prepared to say how you think you could contribute. If you and I are both still interested, we can look forward to some very productive times together!
Yours truly,
Donald Wunsch
Director, Applied Computational Intelligence Laboratory


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Minecraft 22.214.171.124 Apk for Android Download
You are Downloading Minecraft 18.104.22.168 Apk full version game for android. Download latest version of Minecraft (MCPE) Apk full version arcade game for android with direct link for android devices. Explore infinite worlds and build everything from the simplest of homes to the grandest of castles. Play in creative mode with unlimited resources or mine deep into the… Read More »


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5B REALTORS for Veterans Fun Run
Saturday, October 1, 2016
Online registration is now closed. You can still register on race day, October 1st, starting at 9AM.
$35 Adult, $20 Teen, $15 Child race day registration fees
- 9AM Race Registration & Pre-Registration Check In
- 10AM Race Start Time
Grumpy's Food Truck
Free - Toni's Ice Cream (donations welcomed)
Free - Sawtooth Brewery beer until it lasts!
Sun Valley Realtors Community Foundation invites you to join us for a 5k Fun Run/Walk to raise funds for local veterans. 100% of the proceeds raised will go toward providing sustainable housing solutions for Blaine County veterans and their families.
They've done so much for us, let's make sure we keep 5B homeless vet free!


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History of Diamond Bank
Mr. Pascal Dozie founded and nurtured Diamond Bank from 1991 to 2005. After growing the bank to an enviable height for 14 years, he relinquished the Chief Executive position to Mr Emeka Onwuka at the end of 2005. His exit would however be heralded with improved performance of the bank, which recorded a profit of N5.445 billion for the year 2005.
Onwuka, effectively took over from January 2006 and steadily grew the bank to profit after tax of N3.977b in 2006, N7.086b in 2007, N12.82b in 2008 and N1.328b in 2009. The bank posted loss of N11.214b in 2010 and another loss after tax of N13.940b in 2011.
Related article:
- How to Retrieve Diamond Bank Account Number (3 easiest ways)
- Diamond Bank Airtime Transfer Code
- Diamond Bank Transfer Code in Nigeria
- 25 current Commercial Banks in Nigeria (with operational details)
Alex Otti took over in 2011 and in his first full year of 2012 the bank posted a profit after tax of N22.108b, N32.5b in 2013 and N28.36 when he handed over in 2014. The bank also saw its total assets rise from N564.9b in February 2011 to N1.18 trillion by December 31, 2012 and N1.52 trillion in 2013.
Otti doubled the full staff count from around 2,000 in 2010 to over 4,000 in 2014. He expanded the bank's network from 210 branches in 2011 to over 265 branches three years later. Under his watch also, the bank established an international subsidiary in the United Kingdom, in addition to expansion in Francophone West Africa (Senegal, Togo, and Ivory Coast).
Otti's performance was so sterling that the Central Bank classified the bank as one of the eight systematically important banks in Nigeria under his watch. Otti's era was the golden era of the demised bank.
Then entered Uzoma Dozie, the son of the founder Pascal Dozie, as the Chief Executive of the bank in March 2014 and the bank's fortune started nose-diving.
In 2015, his first full year as head of the bank, the bank's profit after tax went down from N28.36b to N5.656b. It went down further to N3.499b in 2016 and a loss of N9.011b in 2017.
In 2017, noticing that it could no longer continue to cope with losses from its subsidiaries, the bank sold its West African operations in Benin, Togo, Cote d'Ivoire and Senegal to Manzi Finances S.A., a Cote d'Ivoire-based financial services holding company and the bank later sold its United Kingdom's operations.
For further history of diamond bank, visit; diamond bank website
Merge of Diamond Bank with Access Bank
In 2018, the bank went into coma and had to be merged with Access Bank.
On 19th December, 2018; Following the signing of the Memorandum of Agreement and announcement of headline terms, which valued Diamond Bank at approximately NGN72.5 billion (~$200m) and see Diamond Bank shareholders receive NGN3.13 per share in cash and shares, Access Bank and Diamond Bank announced further details, including the rationale and benefits of the deal, the estimated cost synergies, the capital management plan and the timetable.
According to daily post, "The pro-forma capital position of the merged bank will be in full compliance with regulatory requirements for significant financial institutions with an international banking presence. However, in order to meet international standards of best practice and ensure a robust capital buffer, Access Bank and Diamond Bank have jointly agreed a strategic capital management plan and expect to achieve a post-completion Capital Adequacy Ratio ("CAR") of 20% at the Bank level and 22% at the Group level. The key elements are:
- Diamond Bank to take further impairments in line with IFRS9, to be reflected in year end 2018 results.
• Access Bank has already finalised terms and obtained regulatory approvals for a Tier II capital issuance, which will raise US$250 million, available for drawdown in January 2019.
• Access Bank has also obtained "No Objection" from the CBN to undertake a Rights Issue to raise up to NGN 75 billion (~US$ 207 million) in H1 2019. Shareholder approvals and other regulatory approvals will be obtained before the offer opens. This accelerates the capital management plan to support retail growth, previously set out in the Bank's five-year strategy
Commenting on the proposed merger, Herbert Wigwe, CEO of Access Bank, said: "I am delighted to announce that we have received the necessary regulatory approvals to pursue a merger with Diamond Bank, one of Nigeria's foremost digital and retail banks, subject to final regulatory and shareholder approvals. The combination of our two businesses will create the largest retail bank in Africa by customer base and a very significant player in the Nigerian market. This is a huge step towards the delivery of our goal to bring the power of banking to millions of people across Nigeria and an exciting transaction for Access Bank and Diamond Bank's customers, staff and shareholders.
"We have a clear plan to maintain our capital strength and are announcing today decisive steps by both banks to ensure their financial stability throughout the process. The overall outcome will be a stable institution with an extremely strong capital adequacy ratio of more than 20% following completion of the merger, which will be a leading competitor in all the markets in which it operates.
"Access Bank and Diamond Bank have complementary operating platforms and similar values, and a merger with Diamond Bank, with its leadership in digital and mobile-led retail banking, will accelerate our ambition to become a leading corporate and retail bank in Nigeria and a Pan-African financial services champion. We look forward to bringing our discussions to a successful conclusion and delivering the benefits of the merger to our staff, customers, shareholders and other stakeholders."
See: USSD Code for Checking Account Balance in Diamond Bank
Uzoma Dozie, CEO of Diamond Bank, said: "The merger is positive for all of Diamond Bank stakeholders, including customers, employees and shareholders. In particular, customers will benefit significantly through the unrivalled combination of the best of Diamond Bank's retail and digital leadership with the size of Access Bank's balance sheet, corporate names and geographical reach.
"In reaching this decision, the shared passion for leveraging Nigeria's youthful and entrepreneurial talent, and a commitment to better outcomes through financial inclusion have convinced us that this is the right combination.
"I believe that the combination of two strong and admired brands, with shared values and complementary strengths, will be a strong force for positive change in the Nigerian and African retail landscape. As a result, this merger creates significant potential for sustainable long-term growth which stands to benefit customers, employees and shareholders alike."
Rationale for and benefits of the transaction
Diamond Bank will benefit from Access Bank's strong culture of risk and capital management expertise and a clear strategy for sustainable growth. Access Bank will take advantage of Diamond Bank's unparalleled retail banking expertise and strong digital offering. Together, the two companies would create one of Nigeria's leading banks, with 29 million customers, including more than 13 million mobile customers, as well as 3,100 ATMs and around 32,000 PoS terminals.
Diamond Bank and Access Bank share many of the same areas of focus, including women, youth, entrepreneurs and the financially excluded and will be able to further develop their positioning and market leadership in these growth sectors. Diamond Bank's corporate customers will also be able to benefit directly from Access Bank's corporate expertise in trade finance, cash management, treasury and corporate finance.
Diamond Bank currently has 19 million customers, including 10 million mobile users. The combined operation will have relationships with both MTN and Airtel, ensuring that customers of the merged bank will continue to access a strong mobile banking proposition. Access Bank and Diamond Bank also operate from the same technology platform, which the Boards believe will enable them to complete the integration with minimal disruption or impact on customers, in addition to generating significant synergies.
Strong financial profile
Access Bank had a capital adequacy ratio of 20.1% as at 30 September 2018. It is currently concluding a US$250m Tier II capital raising exercise in line with its capital plan to provide a robust capital buffer given the current macro-economic environment.
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The Board of Diamond Bank has confirmed to Access Bank that it intends to take a further impairment on its loan book in line with its IFRS 9 implementation by its financial year end on 31 December 2018. Access Bank has sufficient capital headroom to conclude its merger with Diamond Bank after the write down.
The pro-forma CAR of the combined entity will be in full compliance with regulatory requirements at the time of completion. However, Access Bank has also accelerated its capital plan, in which it had anticipated raising additional capital to fund retail expansion, to ensure that the quantum and timing take account of the planned merger. It has obtained a CBN "No Objection" for a Rights Issue of up to NGN75 billion (~US$207 million) to be launched in H1 2019, which will ensure that it continues to maintain a strong capital buffer above the minimum requirements. A formal notification for an EGM to seek shareholder approval for the rights issue will be issued shortly.
The transaction also presents the opportunity for significant cost synergies to be derived from consolidation of support functions and processes, the benefits of scale, branch consolidation and HQ centralisation. These are conservatively estimated to be NGN30 billion per annum, pre-tax, to be fully realised three years post-completion.
In addition, there are revenue synergies, such as those from the opportunities created by applying Access Bank's value chain approach to Diamond Bank's existing 19 million-strong customer base, along with the positive impact of Diamond Bank's NGN1 trillion low cost deposit base on Access Bank's cost of funding, enhanced risk management and yield and price improvements driven by market share. The funding and capital synergies are also attractive, with an improved deposit mix, improved access to capital markets and greater efficiency in treasury operations.
A Joint Implementation and Integration Committee has been established to ensure that these synergies are properly evaluated and the resulting profit and growth potential realised.
Management and integration
Access Bank plans to leverage the best talent of both banks and combine them to create a leading banking franchise in Nigeria. The combined bank will be led by Access Bank's current CEO, Herbert Wigwe, and will retain the Access Bank name. It is intended that the brand will be redesigned to include strong elements of Diamond Bank's digital and retail brand.
Access Bank has a strong track record of M&A in Nigerian banking and has previously demonstrated its integration capabilities in the successful acquisition and subsequent absorption of six institutions in the past 15 years. The same team who led this successful integration will be responsible for delivering the merger with Diamond Bank and overseeing the transition to the enlarged entity.
Proposed timetable
The following sets out the envisaged timetable for completion and associated shareholder and regulatory approvals. The Boards of Access Bank and Diamond Bank reserve the right to change the timetable if transaction exigencies require.
17 December 2018 Signing and announcement of proposed merger
Week of 17 December 2018 CBN pre-merger filing
SEC pre-merger notification
NSE notification
December 2018 CBN approval in principle
January 2019 SEC clearance of Scheme of Merger
March 2019 Access and Diamond Banks' Court-Ordered Meetings
Court sanction
April/May 2019 SEC and CBN final approvals
By end of June 2019 Deal completion"
Competence, not family ties, grows business. Until Nigerians learn to separate these two, the end will always be sad. By Mazi Obioma Ezenwobodo