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- 4 beds
- 2 baths
- $6,500 price
- 20191364 mls id
- Square Feet: 2,900 sqft
FULL SUMMER RENTAL Beautiful & Spacious, Modern Country Farmhouse....spend your Summer in this excellent home, master suite with private bath & huge walk-in closet, 3 guest bedrooms ( one of which is first floor)........large family room with views of rushing stream and really fantastic kitchen, suited to the most discerning home cook! Set on level land, this home features an incredible year round stream just out the back door, only a few few from your private deck. You'll hear the sound of water all Summer as you barbecue on the deck. There is a formal dining room & large living room as well as the spacious family room, mentioned earlier. RENT for ONE MONTH of SUMMER IS $6,500.
- Site Link
- Style 2 Story
Courtesy of: Coldwell Banker Village Green Realty
Office Phone: +18456792255
Listing Agent: Christine Nielson
Updated: 23rd January, 2020 9:36 AM.
93 Eighmey Rd. Woodstock, NY


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Categories: Blind or Visually Impaired, Disability Type, Learning Disabilities, National Achievement Awards, Uncategorized
"I am the girl who chooses to study harder, to love more deeply, and to squeeze every ounce of joy out of life that I can," she says. "With the help of Learning Ally, I have learned to turn my disability into strength."
View our previous newsletters.

subset: commoncrawl


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Hello, how can I help you?
Customer question
FAQs related to this customer question
The boarding card has not come out, but the check in online system is telling me that I have been checked in. What should I do?
If this if your case you can now print a duplicate of the boarding pass from your computer. Log in with your details to Check-in online and at the bottom, where you see the question "W...
All Iberia tickets are electronic. After you have bought your ticket, you'll receive the confirmation/itinerary by email. If you want copy, go to Booking Management to access information abou...


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Kuwait, Interpol fight cybercrime
The State of Kuwait is closely coordinating with the Interpol at the level of fighting cybercrime, an official said yesterday. Director of the Security Information Department and official spokesman for the Ministry of the Interior Colonel Mohammad Al-Sabr, revealed that high level coordination was currently underway between the Interpol and Kuwait Interpol to address all Internet crimes.
Al-Sabr told a news briefing that this coordination falls within the framework of guidance of the senior leadership of the Ministry of the Interior and direct instructions of Assistant Undersecretary for Criminal Security Affairs Lieutenant General Ghazi al-Omar and follow-up by the Director-General of the Criminal Investigation Major General Abdul Hamid Al-Awadi and director of cyber crime prevention department Colonel Adel Al-Subaie. He said the Kuwaiti Interpol is involved in campaigns launched by the international Interpol against porn sites in many countries of the world such as Europe and America, including the (Tornado) campaign in the city of Wiesbaden, Germany, against the exploitation of children and minors in sex activities.
[Source: Kuwait Times]


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LOVING: The amazing leggings my sister got me for Christmas from Victoria's Secret. I basically live in them when I'm at home and struggle to change when I go out. I think they are these but I'm not totally positive. I have them in charcoal grey.
READING: The Secret Life of Bees by Sue Monk Kidd. I'm only a few chapters in, but I really love it so far. Check me out on Goodreads.
WATCHING: The Following on Netflix, and Dom and I seriously can't get enough. We are roughly halfway through season 2. Claire was my favorite character, and now I love Max. I'm always on the edge of my seat when we watch this, though more during the first season than the second.
ANTICIPATING: Visiting Ohio in March during my birthday weekend for one of my best friend's baby showers. I love buying all things baby, I love that we get to celebrate her little one, and I am so glad we will be able to spend my birthday with my family and some of my closest friends. Also very excited that one of my best friends might be visiting from Nashville next week. This could only make what has been a not-so-wonderful past few weeks infinitely better.
LISTENING TO: A lot of Bob Dylan and Fleetwood Mac lately. Also, Mat Kearney. Mostly just a lot of my more mellow Spotify playlists.
PLANNING: This month's schedule. I recently started freelance writing and have scored quite a few jobs, so I'm trying to plan them all into my schedule to make deadlines a little less stressful. Last week went well, so we'll see how this week's planning goes!
WORKING ON: Learning graphic design. I've searched through Skillshare and plan on taking a few classes before the month is up. I also have InDesign and Photoshop now, so I can finally put those to good use.
WISHING: That my best friends from home all lived closer. Seattle, Nashville, Cincinnati, Athens, and Fort Hood, I'm looking at you.
What is everyone else currently up to? Any book recommendations or tips on learning/practicing graphic design?


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|Photo credit: She Knows Food & Recipes Blog
I used a recipe from the Ball Complete Book of Home Preserving.
Strawberry Rhubarb Jam
2 cups hulled, crush strawberries
2 cups chopped rhubarb
4 tbsp lemon juice
1 package (1.75 oz) regular powdered fruit pectin
5.5 cups granulated sugar
First, I prepared the canning jars and lids by washing with hot soapy water, and boiling in a large saucepan for a few minutes.
|Jars being lowered into the boiling water by my fun green jar lifter.
|Strawberries, rhubarb, lemon juice, and powdered fruit pectin starting to boil.
|Strawberry Rhubarb Jam!


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Nigeria's Gross Domestic Product has contracted by 2.1 per cent in the second quarter of 2016, according to data from the National Bureau of Statistics. However, seven activities in the non-oil sector recorded positive growth.
The activities that drove growth in the non-oil sector included: agriculture; Information and Communication; water supply; arts, entertainment and recreation; professional, scientific, education and technical services..
Although growth in the sector declined by 0.38 in real terms in Q2 2016, the sector contributed 91.74 per cent to the nation's GDP, higher from shares recorded in Q1 which was 89.71 per cent and Q2 2015 which was 90.20 per cent, according to the NBS data.
An earlier data compiled by the Bloomberg had put growth in the sector at -0.36 per cent in Q1 2016.
A 2.1 per cent GDP contraction beat analysts' forecast by 0.5 per cent. The median of 17 economist estimates compiled by Bloomberg was for 1.6 per cent contraction.
Bloomberg quoted an analyst at the London-based Capital Economics Limited, John Ashbourne, as saying that there was poor performance across almost the entire economy, adding, "Every engine has blown out."
But there have been a lot of efforts on the part of the government to diversify the economy by leveraging agriculture and other activities. In line with this vision, the Minister of Agriculture and Rural Development, Chief Audu Ogbeh, has been carrying out sweeping reforms meant to enhance crop production across key food chains.
He stated during the launch of his most recent reform-the Agriculture Promotion Policy- that it was a "refreshed strategy" to tackle foreign exchange scarcity, end food importation and boost local food production.
According to him, the programme has placed priority on improving productivity of a number of crops and activities such as rice, wheat, maize, fish (aquaculture), dairy milk, soya beans, poultry, horticulture (fruits and vegetables), and sugar.
He said, "Nigeria believes that the gap can be closed by partnering private investors across farmer groups and companies to develop end-to-end value chain solutions. These chains will receive facilitated government support as they make deep commitments to engaging a new generation of farmers, improving supply of specialised fertilizers and protection chemicals, as well as wider scale use of high-yielding seeds."
The agriculture programme is also receiving support at the state levels where states like Taraba, Lagos, Ebonyi and so many others have embarked on aggressive programmes targeted at enhancing productivity in crops and activities where each state has comparative advantage. While Taraba and Ebonyi have been consolidating on local rice production advantage, Lagos State has taken advantage of its natural environment to develop aquaculture and other key minerals found in abundance in the state.
The Federal Government is targeting tax revenue from activities in the non-oil sector to finance the 2016 budget amidst declining oil revenue.


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Serving the Indian known Brands, Rimzol Lubes India Pvt.. Ltd., is a Grease & Oil producing company. Since its conception, has been on an escalator of success with many wise minds and expert hands behind it. Synonymous with perfection, Rimzol Products is committed to manufacture best grease in India along with a strong foothold in lubricating oils and specialty products With its product development approach, state of the art manufacturing capability and a highly committed workforce, the organization provides best-in-class petroleum products.
Rimzol Lubes India Pvt.. Ltd. performance in India has earned it the trust from all regions of India and has established it as a preferable private grease manufacturer brand in India. Appreciating the trust and preference of its customers, the company aspires to further become the largest private lubricants & synthetic Greases manufacturer in India.
Features Of Our Products
We design and manufacture a wide range of oils and lubricants that is used in different kinds of the two wheeler, three wheeler and four wheelers. Our lubricants are have some superior features that include help in keeping the moving parts apart, reducing friction, transfer of heat, providing protection against wear & tear. These lubricants and automobile oils are also useful in preventing corrosion and ensuring smooth as well as trouble free performance for a longer period of time.
Our Future Plans
We have established our presence in the industry of automobile oils in the domestic platform. Through our wide gamut of lubricants for automotive, we are on the constant move to present ourselves on the global map. Our engine oils and other lubricants have earned accolades from our clients and this appreciation is motivating us to spread our wings into the international petroleum and oil industry.


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Chandigarh: A 'Munna Bhai MBBS' kind of plot has been unravelled in Rohtak's Post Graduate Institute of Medical Sciences (PGIMS) in Haryana. Four senior doctors-three neurosurgeons and the head of the intensive care unit (ICU)-have been booked for 'outsourcing' their duties to others for a price, allegedly even to people outside the medical profession, putting lives of patients at grave risk.
Neurosurgeons Dr Omveer Singh, Dr Hitesh Yadav, Dr Kapil Kumar and ICU in-charge Dr Sumit Kumar were booked for cheating at PGIMS police station in Rohtak, on the complaint of PGIMS deputy medical superintendent, on Tuesday night.
Assistant sub-inspector (ASI) Ashok Kumar, investigating officer of the case, said the accused had gone into hiding. "PGIMS will be closed for administrative work, so we have been told to wait till next week for details. Once the accused and complainant join the investigations, we shall be clear about their modus operandi," he said.
It is the second such case at the medical institute. Last year, police had booked five doctors, including house surgeons and senior doctors, for hiring outsiders or students to work in ICUs or at emergency care centres of PGIMS. The case had come to light in 2012 and the probe is on.
Sources said the doctors had at times hired even those who were not remotely concerned with the medical field, like shopkeepers' assistants. Haryana health minister Anil Vij said, "We have asked the officials to submit a detailed report of the incident and the action taken against the accused doctors."


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|In the words of Lil Durk, "this ain't what they want."
...Wow. Just...wow. Once again, the fans boo the ending to the Royal Rumble. At this point, I'm soundly convinced that Vince McMahon doesn't care what the fans want. Roman Reigns winning the Royal Rumble match and going on to main-event Wrestlemania isn't what the WWE Universe wants. Now, The Road to Wrestlemania starts off like driving in a Pinto on E with $2 in your pocket on a cross country trip.
Daniel Bryan is over (just as much as he ever had been). Add that in to how he's has come back from a career-ending injury, and the fact that the championship is in the hands of The Beast Brock Lesnar and Paul Heyman. The result? A story that would engage the masses and sell tickets and subscriptions.
Reigns winning isn't the worst thing that happened. Dean Ambrose Dolph Ziggler and Bryan were eliminated in such lackluster fashions. It made the latter parts of the match very uninteresting. They were no compelling staredowns or exchanges between superstars that generally create easy booking matchups for creative. Because of how poorly this match was booked, we as fans are destined to see more Big Show vs Reigns matches in the foreseeable future. That's the biggest gripe.
You had one job WWE and you blew it. Network subscriptions were cancelled at such an alarming rate that the page was "crashed". #canceyourwwesubcription was trending after the Rumble along with #CancelWWENetwork. Wake up Vince before you lose even the most loyal fan. The only thing that (may) salvage this debacle is to have Bryan come out first thing on Raw and challenge Roman for his main event spot at Mania. That's the only way to right the wrong. Another triple threat main event wont fix this blunder. We've seen it before, at WM and last night with Cena/Rollins/Lesnar.
Brock vs Bryan for the title at WM31. BOOK THE DAMN MATCH!


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Celebrating Motherhood
By Melissa Chapman
May 04, 2010, 5:14AM
STATEN ISLAND, N.Y. — I am the mother of a 5- and 9-year-old and yet, seeing those words on paper just feels completely surreal. When did my cherubic redhead turn into a little lady with strong convictions who tells me to stop embarrassing her? And why can't I recall my son's favorite food as a baby or the first words he spoke?
I feel like motherhood, and being in the thick of it, is akin to watching grass grow. Most days, I'm just attempting to remember to buy my daughter glue sticks for school (despite the fact that she reminded me five times and I forgot each of those times) or making this the week my son finally brings in his show-n-tell object (because there were so many weeks he forgot to do so).
I'm so busy keeping them away from the cupcakes and closer to the baby carrots and trying to remember to walk the dog before we all collapse in bed, that sometimes I worry I'm too busy with life to appreciate the simple pleasures of motherhood.
Luckily Mother's Day offers 24 hours where I get to unload every single, solitary familial and household obligation on my husband and revel in my mommyhood. I get to look at my kids' faces, study every single nuance of their features and reflect on how completely these two little people have become a part of my essence and ultimately how I define and navigate my place on this planet.
For all you moms out there fighting the good fight; i.e. convincing your teenagers that they'd be far better off with a henna tattoo than getting inked, struggling to potty train or, like me, dealing with tweendom, I salute you! And if you're looking for activities to celebrate the fabulous mamaistas you are, with your kids in tow, keep reading.
This Mother's Day Melissa Chapman-Mushnick is going out for breakfast — she's done with being served breakfast in bed, which usually involve messy cleanups dumped in her lap.
Treat yourself and your kids to a brunch at Lorenzo's at the Hilton Garden Inn, which will include omelet and craving stations, antipasto, raw seafood displays, Italian, French and Asian delicacies and special selections for "younger" guests.
1100 South Ave., Bloomfield.
Sunday, reservations begin at 11 a.m.; seatings are every half-hour until 3 p.m.
Age appeal
$49.95 per adult, plus tax and 18 percent gratuity; kids 12 and under are half-price.
What kids will go gaga for
A balloon artist who will go to each table individually; munching on chicken fingers, french fries, macaroni and cheese, cookies, brownies and chocolate mousse.
Parent perks
The Hilton will have a lovely pianist, scrumptious edibles and high chairs (that must be requested ahead of time).
A little pricey and reservations are recommended.
No shopping, cooking or doing the dishes!
Call 718-477-2400, extension 5, or visit www.nicotrasballroom.com.
R Baby Foundation, the only nonprofit focused on improving pediatric emergency care for infants, will host a four-mile run, a 1.3-mile health walk; and a kids' fun run at Central Park that will celebrate mothers, raise funds and awareness and provide fun for the whole family.
Central Park, packet pickup/registration at northern Band Shell in the middle of the park just south of 72nd Street. Participants can enter the park on either side of 72nd Street, or from Tavern on the Green and walk east.
Sunday, 6:30 to 11:30 a.m.
Age appeal
Cheering section and family festival are free. Kids' race, $6 in advance; $8 on race day. Run/walk: $37 for non-New York Road Runners members.
What kids will go gaga for
Participating in the kids' fun run and the Nike sports tent with sports and activities, an Apple Seeds' Mother's Day crafts area featuring do-it-yourself gifts and keepsakes, rock 'n' roll performances by the Raggs Kid band and the Songs for Seeds band.
Parent perks
In addition to being a fun way to kick off Mother's Day, the event goes a long way toward addressing critical issues around the lack of quality infant care in emergency rooms across the country.
You have to be in the city early in the morning.
An event that will honor mothers, entertain children and engage the whole family in a worthy cause.
Visit www.rbabyrunwalk.org.
This Mother's Day families are invited to Zumba with master instructor Nathan Blake, who just wrapped up his Zumba World Tour, the infamous Maria Salazar from New Jersey, Elaine Gil, aka "Bubbles" from Bubbles Playhouse, and her son, Mateo. So put on those cute exercise clothes and bring the family to Zumba.
Holy Rosary Gym, located at 100 Jerome Ave., South Beach.
Saturday at 8 p.m.
Age appeal
Ten years and older.
Mother-child combo package, $30.
What kids will go gaga for
Learning to dance to different rhythms of music such as merengue, salsa, cumbia, belly dance, hip, hop, reggaeton and the chance to nab door prizes and giveaways.
Parent perks
A great way to let your hair down, have fun with your kids and ultimately find a way to stay active. Bottled waters and health bars will be available for purchase, and a deejay will be on hand.
Your bodies might be a little sore the next day.
What could be better for kids (and their moms) than dancing together, enjoying great party music and sharing special fun moments.
Call 718-447-7779 or visit bubblesplayhouse.com.


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Golf ideas
Showing from 1 to 1 from 1 results
Galicia: golfing holidays in the heart of the countryside.
Travel ideas
…(Galicia) Do you like playing golf in your free time? If we suggest a privileged location for your hobby then you are sure to want to play even more. We are talking about Galicia, northeastern Spain. A Region with course…


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Monday, November 2, 2015
"Knitted" stirped circle scarf
I just knotted the wools together whenever I felt the need to end a stripe and fared pretty well with that. Although I would prefer a cleaner solution without little woollen ends sticking up from my knitting.
This is what it looks like worn. It keeps my neck warm and cosy when riding my bike or sitting in the wind-chill of the air condition at work! I am really considering making some more circle scarfs for Christmas. Instead of the usual food items I make. But then again making 13 of these things doesn't get me really excited…
9 comments:
- Unknown said...
Der ist aber hübsch! So schöne Farben, der würde mir auch gefallen!
- November 3, 2015 at 8:53 PM
- Laura Morrigan said...
I always knotted the wool ends too! I never worked out what professional knitters did to fix that problem! I guess YouTube would tell me these days! I feel so old thinking about how it was not around as a kid!
- November 4, 2015 at 1:58 AM
- Neisella Nightshade said...
Sieht kuschelig aus und die Farben stehen dir echt gut. Und wie lang deine Haare geworden sind! oO
- November 4, 2015 at 10:55 AM
- Insomniac's Attic said...
I love the colours you've used! That's a good way to use up all the leftover bits I can't bear to toss. I wear neckwarmers all the time and yet I've never knit one myself. Oh goody, something else I can knit for everyone that I'm sure they'll be THRILLED to receive! ;)
- November 4, 2015 at 3:55 PM
- MindLess said...
@ Lorkyn: Danke sehr! Ich habe dazu passende Socken (pink tönig) und mein Freund eine Mütze (türkis). Insgesamt also ein Accessoir, das uns beide zusammenschweißt! ^^
@ Laura Morrigan: I could check YouTube on how to mere wools, that's a very good idea! Thanks!
@ Neisi: Ja, die wachsen wie verrückt! Aber gut 1cm pro Monat ist wohl normal, da halten sie sich dran...
@ Insomniac's Attic: I would be thrilled for sure! I'm just not sure whether I really care enough for all of them to knit buckets full of neckwarmers. Maybe. Maybe not! ^^
- November 4, 2015 at 5:06 PM
- Jade said...
That is a really nice scarf! Maybe you could make a couple of those as presents and others will get food? ^^
- November 5, 2015 at 12:56 PM
- Antje said...
Die Farben sind toll. Schick!
- November 9, 2015 at 4:38 PM
- MindLess said...
@ Jade: But I don't want any jelousy, so I usually make the same for everyone...
@ Fräulein Nachtschatten: Danke schön! ^^
- November 9, 2015 at 5:42 PM
- Ramona said...
Ich sag nur Schlüppi-näh-phase, was damit geht, geht auch mit Loop Schals ^_^° Schick!
- November 12, 2015 at 12:08 AM


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Gangs and violence
Are you involved in gangs or group violence?
Of course, not all gangs are involved in crime or violence; you may simply be hanging out with a group of friends.
But think about how other people see you:
- Other people might find you and your friends frightening.
- They might think you are up to no good.
- Maybe you are quite loud and this is disturbing people in their homes.
- Someone might report you to the police, even if you are doing nothing wrong.
- Dropping litter and swearing will be seen as disrespectful.
You can do things so people know you are not a threat:
- Stick to areas you know you are allowed to go, don't wander onto private property.
- Don't appear as a threat or behave like a gang member.
- Don't shout at people, swear and act aggressively.
- If there is any trouble, walk away.
Watch how you go:
It does not take much for a group to start changing and taking bigger risks. If you start to see this happening, you should remove yourself from that group. Remember a few simple things:
- You are in control of what you do.
- No-one has the right to make you do anything you don't want to.
- While you may think a gang will protect you; it will actually put you in greater danger.
- Your real friends are the ones who care about your safety.
What can you do?
Maybe you are worried about leaving a gang because of how you might be treated. Remember, if you think you could be hurt by members of the gang for leaving, those people were never your friends in the first place. The important thing is to talk to someone about it:
- your parents or a responsible adult
- a teacher, or your Safer Schools Officer
- or consider speaking to a professional in confidence at ChildLine on 0800 1111
Report it
There is absolutely no excuse for violence so if your friends have hurt someone you must report it, even if you think they might get into trouble. It's better that they get into trouble now than get into more serious trouble in the future - or worse get themselves or someone else seriously injured or even killed.
- You can go into your nearest police station or speak to your Safer Schools Officer or local Safer Neighbourhoods Team - if it's an emergency and someone is in immediate danger you should call 999.
- If you feel unable to talk to the police, you can call the Crimestoppers charity anonymously on 0800 555 111 (you won't have to give your name and your call will not be traced).
- Or for more information visit the Reporting crime section on the Metropolitan Police website or the How to contact us page on this site.
Getting more help
There are also many trained professionals who can offer confidential help and advice to both your friends, and to you. Visit our More help and advice page.
For other related topics, take a look at our sections on bullying and knife and gun crime.


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is there still no possibility to pair these two devices?
If not, is there any other wireless option for Skype for Business Users?
Thx and BR
Solved! Go to Solution.
Hello @,
welcome to the Polycom Community.
The community's Skype for Business FAQ contains this post here:
Mar 22, 2017 Question:Can I pair a Polycom D60 with a Phone in Skype for Business / LYNC base profile?
Resolution: No this is not possible
Please ensure you always check the community FAQ and/or utilize the community search before posting any new topics or follow up post's.
Polycom does not manufacture any other wireless solution that is compatible but have a look at SpectraLink and/or Kirk solutions for either WiFi or DECT.
Please ensure to provide some feedback if this reply has helped you so other users can profit from your experience.
Best Regards
Steffen Baier
Polycom Global Services
ok, thank you, i was just hoping, that something might changed in the meantime.
Does Polycom have any timeline of when a wireless/DECT phone will be available and compatible with Skype for Business?


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All prices are in All prices are in USD
Boy's, Cotton Printed Bodyshirt, Cotton Short and Bib Set
We promise to never spam you, and just use your email address to identify you as a valid customer.
This product hasn't received any reviews yet. Be the first to review this product!
All prices are in USD. © 2020 Godwin's Outdoor Inc..
Sitemap |
Shopping Cart Software by BigCommerce


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But it doesn't have to suck that much. Teething is a natural process – it can't be prevented and you can't fast forward that time, either. Read more
Health Conditions
It's 3pm, you've just finished your (late) lunch break, and you realize you haven't gone pee since this morning. Or was it last night? Well Read more


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We are a training provider to the UK grocery industry specialising in suppliers to the big four supermarkets. Our clients want to secure more profitable wins by using more effective 'soft skills'. The reason they choose us is because of our combination of relevant experience and our unique training method – 'Sticky Learning ®'.
About MBM: We Understand the World of UK Supermarkets and Their Suppliers
Supplying the big four supermarkets can be very demanding, as you know, and we know from being on both sides of the fence. Having the best people is essential to delivering profitable wins, and whilst 'people are your best asset' is a hackneyed term, we all know that they can make or break your profit. A bad meeting, a poor negotiation, recommendations not accepted, can be disastrous.
MBM understand this industry and can build a People Development Programme with you, for you, that helps you to achieve your business' goals.
Trainers to the UK Grocery Industry – Making Business Matter (MBM)
from Darren A. Smith (DAS)
How MBM Began
Our founder, Darren A. Smith created MBM after spending 12 years at a big four UK supermarket as a Category Manager, he saw the need to help suppliers work better with retailers.
The low point of what he saw, having sat through over 2,000 supplier presentations, was a 3.5 hour presentation on frozen carrots presented by 126 slides, a man who turned-up with no pen, paper or bag to a meeting, and presentation after presentation that was poorly thought through for a retailer or has no actionable insights.
Of course, there were many suppliers that presented, negotiated and influenced very effectively. The opportunity gap was and is to make the the good, better, and the better, best.
You can find out more about our history, brand and values on our Brand page, or read about background, skills and experiences on our Team page.
Our Unique Training Method
Our best work is done through a programme. Not one day training courses because they have a limited effect. Sticky Learning ® is the term we use to headline our approach to training. In essence, our programmes are 6 months each and include 4 main parts; Learning To Learn, Foundation day, Advanced day, and the Sticky Pieces that the Learner completes in-between the 2 course days to keep their learning alive. Couple this with our comprehensive 5 level evaluation and you have a training provider that cares about your learners' learning for the long term and your return on investment.
Who We Work With
Our best work is done with suppliers to the big four UK supermarkets because we know the industry and all of the people who work for MBM have either worked for a supplier or a retailer. Yes, of course, we have worked with a few other companies. After all, who can resist working with great brands, such as NHS or McDonald's? The vast majority of our clients are suppliers to the big four supermarkets.
Our training is not with the people who work in production; instead, our very best work is done with retailer facing people because we have been working with those types of people for over a decade. We understand the challenges between supermarkets & suppliers, category managers & buyers, shoppers & the category. We have not trained people on the production lines or in the factories because this is not where we do our best work. Whilst the majority of the training is transferable, we prefer to focus on the Account Managers, Category Managers, NPD teams and supply chain personnel because this is where we believe we can make the biggest difference for you.
Your Next Step
Please call us to arrange to meet, take a look at our Masterclasses or try our Training Needs Analysis (TNA).


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Secure Shopping
phone M to F 10-5 EST
Miraclesuit swimwear sale
We have our fabulous Miraclesuit swimsuits on sale. No coupons are needed as they have already been marked down 35% - 60% off and a few are marked down even more. These are very slimming, full control swimsuits. As soon as you put one on you look and feel 10 pounds slimmer. Laraines.com recommends you go up one size from your pant size for the best fit and comfort. Below is a size chart. If you are in between 2 sizes choose the larger size Miraclesuit. Some of these are bra sized with DD cups.
Click here to see our plus size women's swimwear sale
here is an approximate size chart. if you are between two sizes we recommend you buy the larger of the two.
Miraclesuit swimwear sale


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Want to write your name on Beautiful Flower Chocolate Birthday Design Cake With Name Photo Send Online pictures? we have provide a lot of new and inique pics for you. My Site Birthday Wish Name Cakes also allow to generate your name on your favourite pictures. you can write your name in this Dolls pictures by following step of this link How To Create .
After generating picture with your name on Cute pictures you can share it with your friends on social networks like Google, Facebook, Twitter and others. you can also download your generated picture directly to your PC. Hope you will enjoy creating your names on pictures.


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Economy: India 1
(→India's economy vis-à-vis the world)
(→2012-16: fastest growth in 5 years)
|Line 215:
|Line 215:
This essentially brings us back to the question: When so many economic indicators grew faster in the second term of Manmohan Singh vis a vis the first term of Modi, why doesn't this reflect in the GDP growth figures of the two eras? The Modi years growing at a faster pace than the second term of Manmohan doesn't make much sense.
This essentially brings us back to the question: When so many economic indicators grew faster in the second term of Manmohan Singh vis a vis the first term of Modi, why doesn't this reflect in the GDP growth figures of the two eras? The Modi years growing at a faster pace than the second term of Manmohan doesn't make much sense.
==2012-16: fastest growth in 5 years==
==2012-16: fastest growth in 5 years==
Revision as of 12:47, 21 July 2019
Several sections from this page have been shifted to Economy: India 2 (Ministry data)
This is a collection of articles archived for the excellence of their content.
India's economy: the main trends from 1975 to 2017-18
See graphic, 'The Indian economy, 1975-2015: GDP, the rupee exchange rate, exports, fiscal deficit and inflation'
1997-2018: Fiscal Deficit to GDP
See graphic:
Fiscal Deficit to GDP, 1990-2018
1997-2018: Gross Fixed Capital Formation (GFCF)
See graphic:
Gross Fixed Capital Formation (GFCF) is an indicator of how much investment activity is happening in the country and a slowdown on this front does not bode well for overall growth and job creation- 1997-2018
1997-2018: Inflation trend
See graphic:
Inflation trend, 1997-2018
1997-2018: Unemployment Rate
See graphic:
Unemployment Rate, 1997-18
2009-18: ₹ vs. $/ GDP/ adding $1 trillion to GDP
See graphic:
i) 2009-19: The Indian rupee appreciated twice vis-à-vis the US dollar; ii) The number of years that it took China and India to add each $1 trillion to their GDPs/ economies; iii) 2014-18: India's GDP estimated by three different methods.
2011/ 13-19
See graphics:
The Indian economy, 2013-19- Growth rate vis-à-vis the world
The Indian economy, 2013-19- Inflation
The Indian economy, 2013-19- Tax to GDP ratio
The Indian economy, 2013-19- Items of revenue expenditure, unproductive expenditure
The year-wise position, especially after 2002
2004- 18
Better growth prospects in FY19, but oil a risk: Expert, June 1, 2018: The Times of India
Economists are predicting a further pick-up in activity during the current financial year on the back of higher consumption demand, a stable GST and a surge in investment towards end of the year. But they have identified higher crude oil price and its impact on inflation, current account deficit and overall growth as risk factors that are expected to weigh on RBI's Monetary Policy Committee (MPC), which meets next week.
Most economists are predicting a GDP growth rate of 7-7.5%, with a majority closer to the upper end of the band. A few have already lowered their projections, such as Moody's which cut from 7.5% to 7.3%, citing the impact of crude. But others, including the government, are sticking to their earlier estimates.
"I don't think we are revising our estimates or the forecast for the current year, which is about 7.5%. We retain it at that level... there is no one-to-one relation between the oil price growth and the GDP growth. There have been various quarters and years when oil prices have gone up but there has been growth also. So, we at this moment feel that we should retain (the growth estimate)," economic affairs secretary Subhash Chandra Garg told reporters after the GDP numbers were released.
Economists too are bullish at the moment. "The growth is likely to realise from pick-up in consumption, especially rural consumption, with the forecast of normal monsoon, increased public sector spending and uptick in performance of the manufacturing sector in coming quarters. The manufacturing sector, which witnessed improvement in the last three quarters, is expected to benefit in Q1 of FY19 due to favourable base effect. In addition, investment rate has seen some improvement on the quarterly basis and is expected to maintain the momentum going ahead," said Madan Sabhnavis, economist at CARE, while forecasting 7.5% growth this fiscal.
Health of the banking sector will also be crucial. "The ability of public sector banks to support lending growth, the risk of monetary tightening and trade wars, and impact of higher crude oil prices on purchasing power of consumers and corporate earnings have emerged as risks," said Aditi Nayar, principal economist at ICRA.
2004-14 vis-à-vis 2014-18
See graphic:
The Indian economy in 2004-14 vis-à-vis 2014-18- Consumption, Investment, Credit Growth, Fiscal Deficit, Wholesale Price Inflation, Interest Rates, Current account Deficit, Foreign Exchange Reserves
2004-14 (and 1988-89, 1994-2003)
India clocked 10.08 per cent growth under Manmohan Singh's tenure: Report, August 18, 2018: The Economic Times
The numbers have been calculated by a committee set up by the National Statistical Commission.
India's economic growth numbers, adjusted for the base year of FY12, show that expansion was marginally higher under the new series after the economy picked up pace in FY04 and generally lower in the preceding years.
The numbers have been calculated by a committee set up by the National Statistical Commission. Former chief statistician Pronab Sen said the exercise was a good start but that more work was needed.
The report shows real GDP growth touching a high of 10.08% in 2006-07 in terms of factor cost, the highest since liberalisation of the economy in 1991 and the second highest ever, behind 10.2% during the Rajiv Gandhi administration in 1988-89. Under the old series, growth in 2006-07 was 9.57%.
In terms of market prices, the highest growth was 10.78% in 2010-11.
The new GDP series with FY12 as the base year was begun in 2015 and follows internationally accepted methods based on market prices as opposed to the factor cost method followed earlier and uses corporate numbers to estimate manufacturing output.
The committee has issued adjusted numbers for the 1994-2014 period. Average growth in first five-year term of the Congress-led United Progressive Alliance (UPA-1), FY05-09, goes up under the new series to 8.37% from 8.03% earlier in terms of market prices.
In terms of factor cost, the increase is from 8.43% to 8.87%. Average growth during the preceding Bharatiya Janata Party-led National Democratic Alliance administration is down marginally from 5.89% to 5.73%. In terms of factor cost, the decline was from 6.01% to 5.83%.
In the first three years of UPA-2 (FY10-12), the average growth rate goes up from 8.46% to 8.86%. In terms of factor cost, the revision is up from 8.06% to 8.49%. Growth data based on the old series is available till FY12 while the revised series is till FY14.
The Congress party said growth numbers were better under the UPA. "It proves that like-for-like, the economy under both UPA terms (10-year avg: 8.1%) outperformed the Modi Govt (avg 7.3%)," the party's official handle tweeted. "The UPA also delivered the only instance of double-digit annual growth in modern Indian history."
Over the 1994-95 to 2002-03 period, the restated growth under the new series is lower than GDP estimated according to market prices.
"Growth is higher in the new back series especially for value-added growth," said Aditi Nayar, principal economist at ICRA. "There is a fairly secular trend after 2003-04."
The committee said the deviations were not significant and attributed these to discrepancies.
"When we look at the growth rates, there are some differences, although not significant and this is largely due to the 'discrepancy' variable, which is found to be highly volatile," it said.
Former chief statistician Pronab Sen said: "It is a good start but the committee has used some proxies to generate the series so one needs to see how consistent these methods are by themselves."
The statistics office has not yet taken a call on the numbers.
"These are indicative numbers to decide the approach," said a statistics ministry official. "These will be sent to the advisory committee on national accounts and based on its approval, we will work on sectoral data."
Officials of Central Statistics Office were also involved in the recommendations made in the report. NR Bhanumurthy, professor at National Institute of Public Finance and Policy (NIPFP) and member of the committee, said the back series is consistent with the new series and would be helpful for research.
ONE METHOD The committee has restated the old series using one of the possible three ways--the production shift method. This is different from the method currently followed in compiling GDP data.
The committee recommended that the other two methods should be also used to calculate the back series and when these numbers become available then "the time series data based on all the three approaches should be compared for their robustness."
The CSO has already computed the growth rates of GVA/GDP (gross value added/gross domestic product) estimates from 2004-05 to 2011-12 at current and constant prices using the current methodology. These are tentative estimates that need to be deliberated on by the advisory committee on national accounts, the committee noted in its report, and have not yet been presented.
2004-14 vis-à-vis 2014-19
Vivek Kaul, Manmohan Singh vs Narendra Modi: The real India growth story, April 12, 2019: Livemint
The quality of India GDP data came into question when GDP growth in FY17 was revised to 8.2%—the highest in any year between FY12 and FY19, despite demonetisation GDP growth under Narendra Modi was faster than under Manmohan Singh. The question, though, is: does this pass the basic smell test?
The quality of India's economic data in general, and gross domestic product (GDP) data in particular, has come in for questioning in recent months. Those questions only acquired more urgency in January, when the GDP growth in 2016-17 was revised to 8.2%—the highest in any year between 2011-12 and 2018-19.
In 2016-17, a large section of the informal economy, which forms a significant portion of the Indian economy, was severely hit by demonetisation. Hence, the question: how did the economy grow at 8.2% during the year? Between 2009-10 and 2013-14, the period during which Manmohan Singh was the prime minister, the Indian economy grew by 6.7% per year. Between 2014-15 and 2018-19, the Indian economy is supposed to have grown at 7.5% per year. Narendra Modi has been prime minister during this period (from 26 May 2014 onwards).
Hence, the economic growth during the Modi years has been faster in comparison to the growth during the Manmohan Singh years. The question, though, is: does this pass the basic smell test? One way of figuring this out is to take a look at real-time economic indicators which capture the economic decisions of the average Indian.
Since January 2015, when India adopted a new way of calculating the GDP, the growth figure has not been in line with high-frequency economic indicators that reflect the economic decisions of individuals. Unlike GDP growth, the economic indicators used here, from domestic car sales to steel output, are real numbers (except inflation) and not theoretical constructs. So, if domestic car sales are growing, it is a reflection of robust urban consumer demand. If steel production is growing, it shows a robust car industry which uses a lot of steel, and a better physical infrastructure that can be used by individuals, among other things.
Let's look at 15 economic indicators and see what they suggest. The growth of 11 out of the following 15 economic indicators was better during the second term of Manmohan Singh than Modi's term. It is worth reminding here that the United Progressive Alliance's (UPA's) second term was by all accounts worse than its first term. Hence, we are comparing the worst of Manmohan with the best of Modi.
(1) Domestic two-wheeler sales: Motorcycle sales during the Manmohan Singh's era grew by 12.44% per year. In Modi's era, growth was at 5.35% per year. Scooter sales during Singh's era grew by 25.7% per year. In Modi's era, the growth was at 13.21% per year. Scooters sell more in urban India than rural India. Motorcycles sell in both urban as well as rural India. The growth rate of 5.35% per year in motorcycle sales during the Modi years is indicative of the agricultural distress and, accordingly, the slow rise in the consumption power of rural India as well.
(2) Domestic car sales: Car sales are an important indicator of how urban India is feeling on the economic front, because no one forces anyone to buy a car. When an individual buys a car (or a two-wheeler for that matter), he or she feels confident enough to make a down payment and pay an equated monthly instalment on the car loan. Car sales grew at 4.42% per year during the Modi years in comparison to 7.92% during the Manmohan years. The major jump during the Manmohan Singh years came in 2009-10 and 2010-11, when car sales increased by 25.22% and 29.08%, respectively. What this again tells us is that urban India, in particular corporate India, has not been very confident on the economic front during the Modi years, irrespective of what they say in public forums. Of course, the growth of cab aggregators Uber and Ola has also played some role in the slowdown of domestic car sales growth in recent years.
(3) Domestic tractor sales: This is a good indicator of how rich farmers are feeling on the economic front. During the Modi years, the tractor sales are expected to grow at 4.49% per year. In comparison, tractor sales grew by 15.73% per year during the Manmohan years. This shows the presence of agriculture distress hurting farmers during the Modi years. In fact, domestic tractor sales in 2013-14 had stood at 634,000. The sales fell over the next two years, and in 2015-16 stood at 494,000. Since then, they have recovered to 724,000 during April 2018 to February 2019.
(4) Incremental retail loans growth: This is an indicator of how a reasonably large section of the population is feeling about their economic future. People usually take a loan when they are confident enough about repaying it. This may not be true about loans given to the industry but is true about retail loans (i.e. home loans, vehicle loans, etc.), given that the bad loan rate of retail loans stands at just 2%. Bad loans are loans which haven't been repaid for 90 days or more.
Retail loans given out by banks during the Modi era are expected to grow at 19.92% per year in comparison to 22.47% per year during the Manmohan era.
(5) Airline passenger traffic: This is one point that is perpetually brought up by everyone who believes that the Modi government has done well on the economic front. In the Manmohan years, the number of airline passengers grew by 9.20% per year. It is expected to grow at 15.28% per year during the Modi years.
(6) Passenger revenues of Indian Railways: One point which people forget to mention is the fact that the growth in air travel has come at the cost of people upgrading from travelling by Indian Railways. This has led to a slowdown in the growth of passenger revenue of Indian Railways. In the Manmohan years, this was at 10.81% per year. In the Modi years, it is expected to be at 7.32% per year.
(7) Domestic commercial vehicles sales: Robust consumer demand should translate into more investment, with companies expanding to cater to the increasing demand. A good way to check whether this is happening or not is to take a look at domestic commercial vehicle sales. Faster sales indicate robust activity on the infrastructure front as well as the industrial front, which ultimately benefits individuals. Commercial vehicles are used to move around finished as well as semi-finished goods.
During the Modi years, commercial vehicles sales grew at 9.74% per year. In the Manmohan years, they had grown at 10.50% per year. In fact, the growth in commercial vehicles sales during the Modi years has been robust, though it might have been slower than that of Manmohan years. This is primarily on account of the road building programme carried out by the Modi government (as we shall see later).
(8) Cement production: Cement production during the Modi years is expected to grow at 4.32% per year against 7.05% per year during the Manmohan era. The cement consumption has grown at a slow pace during the Modi years despite a massive road building programme.
This essentially tells us two things. First, private sector investment has been slow. Second, the real estate sector, which uses a lot of cement, has been down in the dumps. People aren't buying new homes. Interestingly, the history of economic development suggests that once people start getting out of agriculture, real estate and construction are the two sectors which they move towards, primarily because both these sectors offer a lot of low-skill jobs. The slow growth in cement production is another indicator that India is not generating enough low-skilled jobs.
(9) Consumption of finished steel: Steel consumption is another great indicator of the investment scenario in the country, as the construction of any new infrastructure requires steel. And better infrastructure essentially leads to an improvement in the ease of living of individuals. Data from India Brand Equity Foundation, a trust established by the ministry of commerce and industry, suggests consumption of finished steel is expected to increase 5.18% per year during the Modi era, in comparison to 7.18% per year during the Manmohan era.
This is indicative of the fact that the investment scenario in India continues to be dull. A dull investment scenario basically means that enough jobs aren't being created. It also means that the incomes of those who already have jobs are rising at a slower pace.
(10) Income tax growth: This is a good indicator of whether the income of individuals working in the formal sector of the economy is growing or not.
The Modi administration has over the years talked a lot about the income tax collections improving significantly. The income tax collections in the Modi years are expected to grow at 16.85% per year. In comparison, the growth in tax revenue in the Manmohan years was 17.53% per year. The government has also talked about the fact that more people are filing income tax returns now than before. While this is true, this hasn't exactly translated into faster pace of growth in tax revenue.
(11) Corporation tax growth: Companies pay a higher tax when they sell more stuff, and consequently make a higher profit. They sell more when people consume more. People consume more when they are doing well on the financial front. And that's possible when the overall economy is doing well. During the Modi years, corporation tax collections are expected to grow by 11.20% per year against 13.09% in the Manmohan years.
(12) Consumption of petroleum products: The consumption of fuel in an economy which is doing well tends to grow at a faster rate. The consumption of fuel products during the Modi years is expected to grow at 5.91% per year against 3.47% during the Manmohan years. This is another economic indicator that has fared better in the Modi years than the Manmohan years. A simple explanation for this lies in the fact that oil prices were much higher between 2011 and 2014 than they have been since then.
(13) Inflation: One of the genuine successes of the Modi government has been on the inflation front. In May 2014, when Narendra Modi took over as prime minister, inflation, as measured by the consumer price index (CPI), stood at 7.72%, with food inflation at 9.21%. In February 2019, inflation was at 2.57%, with food prices falling by 0.66%. During 2018-2019, food prices have risen by just 0.13%.
On the flip side, the lack of food inflation is hurting farmers.
(14) Household financial savings: This is an indicator which tells us how much people are saving. The problem, in this case, is that data is available only from 2011-12 onwards, which is what we will consider. The gross household financial savings when Manmohan Singh was the prime minister grew at 13% per year. In the Modi years (up to 2017-18) they grew by 11.94% per year. As far as net household financial savings (gross household financial savings minus the financial liabilities of households) are concerned, they grew by 13.79% per year in the Manmohan years. In comparison, they grew by 7.38% per year during the Modi years (up to 2016-17).
(15) Road construction: This is another area where the Modi government has done significantly better than the Manmohan Singh government. As of 31 March 2009, the total length of national highways stood at 70,548 kilometres (km). By 31 March 2014, this had increased to 91,287km, at the rate of 5.29% growth per year. By March 2019, the length of national highways is expected to touch 135,676km, with 10,000km of road expected to be constructed during 2018-19. This means an increase of 8.25% per year. Between April and December, 6,715km had already been built.
To conclude, the Manmohan Singh years come out to be much better than the Modi years, in 11 out of the 15 indicators.
This essentially brings us back to the question: When so many economic indicators grew faster in the second term of Manmohan Singh vis a vis the first term of Modi, why doesn't this reflect in the GDP growth figures of the two eras? The Modi years growing at a faster pace than the second term of Manmohan doesn't make much sense.
2011-17: was India's growth mis-estimated?
ABHEEK BARMAN | Beyond the facade of feel-good numbers lies a picture of gloom | The Times of India
On June 11, 2019, the former chief economic advisor to the finance ministry, Arvind Subramanian, released a paper called 'India's Growth Mis-estimation.' Subramanian is an economist associated with the libertarian Petersen Institute and Harvard's Centre for International Development His paper showed between 2011-12 and 2016-17, India's growth had been hugely inflated — to the extent of 2.5 percentage points.
Which meant through all this time India was actually bellycrawling at 4.5%, instead of the average 7% per year canter we'd been told by the government. It also meant India had never overtaken China as the fastest growing large economy.
Many were so upset that they could only mutter, "Why didn't he say so when he was in India?"
Subramanian swatted the, "why was he silent in office?" argument quickly. He wasn't silent. The Survey for 2014-15 had an extensive argument framed in a box, with charts and so on, right there in the first chapter. The Survey for 2016-17, among the best in a long time, again discussed this problem in some detail.
No country in history has ever grown fast over a number of years, while carrying the twin drags of a persistent trade deficit with the rest of the world, and a long slump in domestic investment. Loans to industry and to the overall economy must grow, to lubricate the wheels of manufacturing and all other activity.
Indeed, before 2011, India played by these rules, familiar to everyone in Econ 101. Investment was growing 13% on average each year, loans to industry at 16%, exports at 15%, imports at 16.5%, overall lending at 13% and GDP galloped at a smart 8%.
After 2011, investment collapsed to 3% average growth, loans to industry actually shrank 1%, exports crawled at 3%, imports fell 1%, overall loan growth crashed to 3% — and presto, India still chugged along at 7% average GDP growth.
What about consumption? Surely that can drive growth. Let's see, pre-2011, growth of consumption industry was 9% annually. Afterwards, it's a little more than 4%. Productivity? That should show up in the growth of private sector profits. Well, through 2002 and 2011, aftertax profits (PAT) of Indian companies grew more than 27% per year on average. Between 2012 and 2016, there was no growth: average PAT contracted 3%.
Through the 1990s and 2000s, when China was on a tear, you could feel the growth. Huge projects and infrastructure built overnight, a perpetual haze of dust from relentless activity — and the West didn't believe Beijing's official numbers. In Delhi, we get the haze, but all around are immobile cranes and stalled projects — and numbers that profess electrifying growth.
Meanwhile, a regime desperate to patch holes in its budgetary arithmetic hounds the RBI and market regulator Sebi to hand over their surpluses at Raisina Hill. Neither will agree readily.
2012-16: fastest growth in 5 years
The Times of India, Jun 01 2016
Eco grows fastest in 5 years at 7.6%
The country's economy grew 7.6% in 2015-16, the fastest in five years, while growth in the fourth quarter clocked 7.9%, keeping India ahead as the fastest growing major economy in the world.
The GDP data also brought cheers for the government, which has completed two years in office and is showcasing revival of the economy as a major achievement. India's 7.9% expansion in JanuaryMarch (fastest in six quarters) is higher than China's 6.7% expansion in the same quarter.In October-December quarter Indian economy grew 7.2%.Growth was powered by strong expansion in the manufacturing, which grew 9.3% in 2015-16 compared to 5.5% in 2014-15 and the farm sector, which clocked a growth of 1.2% in 2015-16 compared to a contraction of 0.2% in the previous year. The growth in the farm sector was despite the impact of a drought. Policy makers lauded the improving health of public finances. ".. India continues to remain a bright spot in the world economy with robust macro-economic and fiscal parameters," the finance mini stry said in a statement. Economist said they expect a good monsoon to support improving growth in the months ahead.
"With renewed forecast of more than normal monsoon this year, the situation in agriculture is expected to improve significantly , which will eventually lead to revival of consumption demand, especially in rural areas," said Madan Sabnavis, chief economist at Care Ratings.
"This in turn should also boost investment sentiment and keep food inflation under control. Also implementation of various government schemes and 7th Pay Commission will have an important bearing. With continued strong performance of the service sector, GDP growth in FY17 should see strong contributions from each sector of the economy . We expect GDP growth in FY17 to be around 7.8%," he said.
But the numbers also showed some weak spots such as sluggish investment growth.
"Private consumption has emerged as the bulwark of economy in 2015-16, whereas investment growth has slowed.With excess capacity and high leverage, private consumption demand will have to rise further to pare excess capacity and encourage private investment. With normal monsoon, a mild kick to public sector wages and improved transmission of interest rates, private consumption demand is set to get a boost in 2016-17," said D K Joshi, chief economist at Crisil.
2014-16: Economic indicators
See graphic
Economy, GDP growth, fiscal deficit, industrial growth, inflation and growth in agriculture, forestry and fishing, 2014-17
Facts about Indian economy: 2015-16
[The Economic Survey: 2016-17]
Indians on The Move
New estimates based on railway passenger traf c data reveal annual work-related migration of about 9 million people, almost double what the 2011 Census suggests.
Biases in Perception
China's credit rating was upgraded from A+ to AA- in December 2010 while India's has re- mained unchanged at BBB-. From 2009 to 2015, China's credit-to-GDP soared from about 142 percent to 205 percent and its growth decelerated. The contrast with India's indicators is striking.
New Evidence on Weak Targeting of Social Programs
Welfare spending in India suffers from misallocation: as the pair of charts show, the districts with the most poor (in red on the left) are the ones that suffer from the greatest shortfall of funds (in red on the right) in social programs. The districts accounting for the poorest 40% receive 29% of the total funding.
Political Democracy but Fiscal Democracy?
India has 7 taxpayers for every 100 voters ranking us 13th amongst 18 of our democratic G-20 peers.
India's Distinctive Demographic Dividend
India's share of working age to non-working age population will peak later and at a lower level than that for other countries but last longer. The peak of the growth boost due to the demographic dividend is fast approaching, with peninsular states peaking soon and the hinterland states peaking much later.
India Trades More Than China and a Lot Within Itself
As of 2011, India's openness - measured as the ratio of trade in goods and services to GDP has far overtaken China's, a country famed for using trade as an engine of growth. India's internal trade to GDP is also comparable to that of other large countries and very different from the caricature of a barrier-riddled economy.
Divergence within India, Big Time
Spatial dispersion in income is still rising in India in the last decade (2004-14), unlike the rest of the world and even China. That is, despite more porous borders within India than between countries internationally, the forces of "convergence" have been elusive.
Property Tax Potential Unexploited
Evidence from satellite data indicates that Bengaluru and Jaipur collect only between 5% to 20% of their potential property taxes.
2015-16: economy grew 7.9%
Eco grew 7.9% in '15-16, faster than estimated 7.6%, Feb 01 2017: The Times of India
The Central Statistics Office (CSO) said the economy grew by 7.9% in 2015-16, a shade faster than previously estimated 7.6%, on account of better perfor mance by the farm and industrial sectors. CSO, however, left the figure for 2014-15 unchanged at 7.2%.
The revised growth rate would be the fastest pace of expansion for the economy in five years as data for the new series introduced in 2011-12 is available now. It would give the government ammunition to counter the Opposition's charge that the NDA's handling of the economy has slowed down the growth rate.
CSO had said that the economy was estimated to grow 7.1% during the current financial year but did not factor in the impact of demonetisation. The Economic Survey , released on Tuesday , however, indicated that the growth rate could slip to 6.5% due to the cash squeeze.
Higher growth rate would push up the base and could result in a further slowdown during the current finnacial year. It would, however, help the government show a better fiscal performance since the base has expanded.
Separate data showed the fiscal deficit up to December-end has touched 94% of the full year estimate of Rs 5.3 lakh crore.Fiscal deficit during April-December 2015 was estimated at 88% of the budget estimate.
The economy as in 2017
The Times of India, January 31, 2017
For the first time, along with a host of numbers and dry facts, the Economic Survey presented today also highlighted seven curious things about India, ranging from a perception bias against it to a fiscal disparity within it.
1. Indians on the move
New estimates based on railway passenger traffic data reveal annual work-related migration of about 9 million people, almost double what the 2011 Census suggests.
2. Biases in perception
China's credit rating was upgraded from A+ to AA- in December 2010 while India's has remained unchanged at BBB-. From 2009 to 2015, China's credit-to-GDP soared from about 142 percent to 205 percent and its growth decelerated. The contrast with India's indicators is striking.
3. New evidence on weak targeting of social programs
The Survey says that welfare spending in India suffers from misallocation. Districts with the most poor are the ones that suffer from the greatest shortfall of funds in social programs. The districts accounting for the poorest 40% receive 29% of the total funding.
4. Narrow tax base
India has seven taxpayers for every 100 voters, ranking us 13th amongst 18 of our democratic G-20 peers.
5. India trades more than China
As of 2011, India's openness - measured as the ratio of trade in goods and services to GDP - has far overtaken China's. India's internal trade is also comparable to that of other large countries.
6. India's distinctive demographic dividend
There will a steady rise in India's working age population. While it will be slower compared to other countries, it is expected to last for much longer. Peninsular states are fast approaching the peak of the growth boost due to the demographic dividend.
7. Income divergence within India
During the last decade (2004-14), spatial dispersion in income has been on the rise in India, unlike the rest of the world and even China. Despite more porous borders within India than between countries internationally, the geographical graph of per capita income is skewed.
2012-18: impact of GST on manufacturing
See graphic:
2012-18- The impact of GST on manufacturing
Economic indicators: 2012-14 vs. 2014-17
See graphics:
1. GDP growth, 2011-17, year-wise and % annual rise in per capita income at current prices, 2012-17, year-wise
2. Inflation dynamics, 2011-17, year-wise and merchandise exports, 2011-17, FDI inflows, 2013-17, Industrial production, 2012-17, year-wise
3. Fiscal deficit, 2011-17, total tax revenue, 2012-17, fluctuations in stock market (BSE), 2011-17, year-wise
Indicators 2013-18 (inflation, monsoons, crude prices)
See graphic:
i) Inflation in India (CPI): 2013-18;
ii) Performance of monsoons, 2008-17;
iii) Value of rupee, Jan- June, 2018;
iv) Crude oil prices, 2013-18
2014, May- 2018, May
See graphic:
Four years of Modi government an economic report card
2014, May- 2019 Jan
For individual Indians
See graphics:
2014, May- 2019 Jan- an economic report card for individual Indians-
i) Income;
2014, May- 2019 Jan- an economic report card for individual Indians-
iii) Investment;
iv) Wealth from stock market
2014, May- 2019 Jan- an economic report card for individual Indians-
v) Falling inflation;
vi) A connected life and
vii) healthier and more literate
For the country as a whole
See graphic:
2014, May- 2019 Jan: an economic report card for the country as a whole
Oct 2016- Jan 2018: industry, manufacturing, inflation
Retail prices ease, factory output beats expectations, February 13, 2018: The Times of India
Retail inflation cooled in January on the back of slowing food prices, while industrial output growth in December was better than expected, thanks to robust manufacturing and capital goods sectors.
Data released by the Central Statistics Office (CSO) on Monday showed inflation, as measured by the consumer price index (CPI), rose an annual 5.1% in January, slower than previous month's 5.2%. Consumer food prices also cooled and increased 4.7%, lower than near 5% increase in December. Housing prices remained firm, and surged 8.3% during the month.
Earlier this month, RBI kept interest rates unchanged and flagged risks to inflation from several factors, including the government missing the fiscal deficit target for 2017-18. Economist said inflation in non-food items continues to be worrisome, with clothing and footwear
(4.7%), housing (8.3%), fuel
(7.7%) household goods
(4.9%), all being high.
"However, elevated fuel prices and the base effect will keep CPI inflation in the vicinity of 5% for the rest of the year till March," said Madan Sabnavis, chief economist at Care Ratings, adding that cooling food prices will have a calming effect on retail inflation.
Separate data released by the CSO showed industrial output growth rose 7.1% in December, slower than previous month's upwardly revised 8.4% but still higher than market expectations. The manufacturing sector rose an annual 8.4% in December, compared to 0.6% in same month last year.
Several data sets in the past few months have pointed to a revival in the manufacturing sector as it shrugs off the impact of demonetization and rollout issues linked to the GST. Economist said the robust trend in factory output augured well for overall growth.
"Higher growth in vehicles and transport bodes well for the economy. We expect IIP growth to trend higher in January also as commercial vehicle sales have expanded by 36.6%. The positive contribution of cement, diesel and even two wheelers augurs well for economic recovery, especially for rural economy," said Soumya Kanti Ghosh, group chief economic adviser at SBI.
2016 Nov-2018 Dec
View within RBI: Rate cut needed now, inflationary fear not a worry, February 9, 2019: The Times of India
The Monetary Policy Committee (MPC) headed by RBI governor Shaktikanta Das has opted to pare key policy rates based on real-time analysis, leaning on findings of its surveys, prevailing market conditions and extensive consultations with stakeholders, instead of postponing a decision for fear of inflationary pressures flaring up.
Although Urjit Patel had not explicitly changed the monetary policy stance in his last policy announcement in December, the assessment was that the governor, who resigned later in the month, was dovish in his stance. Besides, the RBI's inflation modelling has been under scrutiny for the last 18 months and critics have faulted the central bank for misreading the inflation situation.
While deputy governor Viral Acharya acknowledged the problems, he said the RBI has sought to fix them. "We started a little bit of grassroots work. We are talking to agri specialists, agri economists in the country to get a better sense. So, hopefully, we'll get better with time. Not to mention we have had extensive consultations with a lot of experts over the last two months or so, and the effort is to fine tune the system as much as possible."
Apart from retail inflation, which was estimated at 2.2%, the RBI's internal survey showed that inflationary expectations were well-anchored. Although oil price pressure has remained for the last few months, agriculture economists reckon that food inflation will remain benign, especially in the wake of a good winter. In fact, Das pointed to higher wheat yield this year due to favourable weather conditions.
The other positive that weighed on the MPC was an improvement in consumer confidence as well as business confidence, amid an improvement in capacity utilisation by industry. In fact, there are pockets in the manufacturing space where capacity constraints have started to emerge and a lower interest rate is expected to help provide a boost to investment and bridge this gap in the coming months. With buyer sentiment improving, demand in several other sectors is expected to rise.
The consumer confidence survey suggests that respondents expect an improvement on almost all counts. The only exception is income, where the sentiment seemed to sour a little in December, compared to the previous month. But, they are upbeat on investment, employment and income a year down the line.
Similarly, on business expectations, more respondents now believe that there will be an improvement across the board — from production, to order book and capacity utilisation — with selling price and employment being two parameters on which they were less upbeat than the previous survey.
2018 Aug vs. June: mixed trends
See graphics:
The growth of the Indian economy, June, July, Aug 2018: Passenger vehicles, Commercial vehicles, CIL output, Non-oil export
The growth of the Indian economy, June, July, Aug 2018: Rail freight, Airlines, Petrol, Bank deposits, Non-food bank credit
See graphic:
Share of agriculture in Gross Value Added at constant prices, 1950-2011
For years, India's economy leaned heavily on agriculture, so a poor monsoon could rattle it. But agriculture's share in the gross value addition (GVA) — value of goods and services minus input costs — to the economy has been steadily falling. It stood at 55% at the start of the first five-year plan in 1950-51, but dropped below 50% by 1961-62. Today, agriculture contributes less than a fifth of India's GVA
Balance of payment/ current account deficit
Deficit widens due to lower remittances, March 24, 2017: The Times of India
Remittances from overseas Indians has been dropping continuously for the last five quarters, contributing to the widening of current account deficit (CAD). The trade gap has also widened due to lower software exports.
Balance of payment data released, shows that net personal transfers -which are largely remittances by Indians employed overseas--fell to $13.6 billion during the demonetisation quarter from $14.9 billion, a drop of 9.7%.
According to numbers released by the RBI, the current account deficit widened to $ 7.9 billion (or 1.4% of GDP) in Q3FY17 as compared to $ 7.1 billion (1.4% of GDP) in Q3FY16 and $ 3.4 billion in (0.6% of GDP) in Q2FY17. The CAD is the difference between income from exports and imports, plus the difference from between outbound and inbound investment income.
A statement issued by the Central bank said that the CAD widened despite a slightly lower trade deficit year-on-year, primarily on account of a decline in net invisibles receipts. Invisible includes remittances from software, services and money sent by Indians working oversea. Net services receipts moderated compared to Q3FY16, due to a fall in earnings from software, finan cial services and charges for intellectual property rights.
From April to December, however, the deficit halved to 0.7%, from 1.4% a year ago.
This was primarily because of fall in earnings from software, financial services and charges for intellectual property rights.
Earnings from software exports have been declining year-on-year, but the third quarter has seen a sequential increase in software exports over the second quarter.
The net foreign direct investment of $9.8 billion during the reporting quarter was marginally lower than last year. The RBI said that there was a net outflow of portfolio investment of about $11.3 billion during the period in both equity and debt segments, as against a net inflow of $0.6 billion in the year-ago period. During the current fiscal, net FDI rose 12.3% to $30.6 billion as compared to April-December 2016.
Governments and economic growth
1947-2018: India has performed better under 'weak' governments
Sadanand Dhume | In economic terms, India has performed better under so-called weak governments |17 Nov 2018|The Times of India
According to the World Poverty Clock, an online database… About 41 Indians escape extreme poverty every minute.
India's achievement is creditable by any yardstick. But it occurs against a backdrop of rising prosperity worldwide.
A political paradox of sorts has accompanied India's upward economic arc. For the first four decades of independence, single-party majority governments delivered anaemic growth. India's most dramatic assault on poverty has come in the coalition era that followed Rajiv Gandhi's defeat in the 1989 general election.
Between 1950 and 1980, India's economy expanded at an annualised average of 3.6%. Per capita income grew at a sluggish 1.5% per year. These figures ticked upward in the 1980s, but the real breakthrough only came after India embraced liberalisation and globalisation in 1991. Since then per capita income has grown on average by 4.9%. Since 2004, it has grown even faster – by over 6.1% annually. In this period, India has lifted more than 350 million people out of extreme poverty.
Why did weak governments deliver better results than strong ones? The simple answer: in India, the era of single-party majorities coincided with the heyday of state planning. After Independence, instead of embracing a market economy, where supply and demand determine production, India scurried down the rabbit hole of socialism where pointy-headed bureaucrats and their political masters called the shots.
Under both Jawaharlal Nehru and Indira Gandhi the government raised trade barriers, nationalised private enterprises, raised extortionate taxes on the rich, and told companies how to run their business. Had they instead used their power to build infrastructure, strengthen rule of law, encourage private enterprise and educate the masses, India need not have waited this long to nearly wipe out poverty.
But as four years of Modi have shown, a strong government's tendency to overreach remains a recurring national problem.
Only a strong government could have come up with a cockamamie idea like demonetisation, deemed too crazy to try even by a basket case economy like Venezuela. In a less dramatic – but nonetheless destructive – vein the Modi government has armed tax inspectors with extortionate powers, escalating the tax terrorism the Bharatiya Janata Party (rightly) protested when in opposition.
On trade, tariff-loving bureaucrats have prevailed over liberalisers. And while an elegant simplicity marks a goods and services tax in most countries that have adopted it, in India it's a hot mess designed to privilege discretion over clarity.
The writer is a resident fellow at American Enterprise Institute in Washington, DC.
Governments and economic policy
Policy uncertainty, 2004-19
Policy uncertainty down, need more predictability, July 5, 2019: The Times of India
If there is one thing that businesses dread, it's policy uncertainty and lack of predictability. And, the government also recognised this and suggested that an increase in economic policy uncertainty dampens investment growth for at least five quarters.
The Economic Policy Uncertainty (EPU) Index — prepared using certain keywords appearing in newspapers — shows that policy uncertainty in India that had peaked around April 2012 is now much lower. The Economic Survey seems to draw comfort from the fact that EPU in India is now decoupled from global uncertainty, a trend that began in 2015.
"Uncertainty seems to have stabilised at lower levels in case of India since last few years, which is noteworthy given the recent surge in global uncertainty, partly due to rising trade tensions between US and China, uncertainty about outcome of Brexit, slower world growth," the annual economic report card tabled in Parliament said. In 2018, for instance, the global uncertainty index zoomed from 112 to 341, while it remained under 100 in India.
The survey suggested that lower uncertainty has started to show an improvement in the investment rate. Gross fixed capital formation is also showing an upward trend from April-June 2017-18 until around the first half of the last financial year.
At the same time, it recognised that uncertainty is not the only factor impacting investment decisions, with interest rates, borrowing cost, price rise and capacity utilisation being the other parameters. While the going may be better compared to the past, frequent policy changes and trust deficit are major concerns for businesses even now. To address this the survey has outlined several steps, including providing a forward guidance, apart from reducing ambiguity and arbitrariness in policy implementation.
"To ensure predictability, the horizon over which policies will not be changed must be mandatorily specified so that investor can be provided the assurance about future policy certainty. While this will generate some constraints in policy-making, such voluntary tying of policymakers' hands is undertaken in several cases, including the Fiscal Responsibility and Budget Management Act, the Monetary Policy Framework of the Reserve Bank of India."
The survey also proposed sub-indices of EPU to capture economic policy uncertainty stemming from fiscal policy, tax policy, monetary policy, trade policy, and banking policy, while suggesting monitoring at the "highest level".
Although several government departments have in past got quality certifications, the survey made a case afresh, arguing that it will not just train officers and other employees but also ensure that policies are properly implemented at lower levels.
India's economy vis-à-vis the world
See Gross domestic product (GDP): India
Economy, India: international comparisons
Purchasing power of individuals/ Affordability of things
1991> 2019
See graphic:
1991> 2019: The growth in the purchasing power of individuals/ The affordability of things
2016 : Demonetisation
Please see:
Demonetisation of high value currency- 1946, 1978: India
Demonetisation of high value currency- 2016: India
See also
Developmental indicators: India
Economy: India 1
Economy: India 2 (Ministry data)
Economy, India: international comparisons
Gross domestic product (GDP): India
Per capita Income: India and its states
And also...
Income Tax India: Expert advice, 2016-17
Income Tax India: Expert advice, 2017-18
Income Tax India: Expert advice


text:
My nine year old dog had an abdominal ultrasound because her liver values were in the 200s (ALT and ALP). The ultrasound revealed some stones in her bladder which, I was told, is a normal occurrence in dogs her age. There was also a bit of sludge in her gallbladder. The specialist in internal medicine didn't seem alarmed at all and told us there was nothing abnormal.
Baby had already started taking a prescription medication with SAMe and silybin/phospholipids (milk thistle) but I wonder now if it's worth it to continue with this since her issues are normal for her age? Can the medication still help by prevention of more stones? I would like to know why or why not this should be continued. I am very happy it's all natural, at least! Also, the vet has said that Baby should be taking the drug Ursodiol because of the sludge in the gallbladder.
I have read that, unlike the SAMe and milk thistle, this medication can have some harmful side effects and even cause cancer. Is there a more natural way to deal with gallbladder sludge and is it really important to treat this? We have recently changed Baby's diet from a holistic commercial to a specially balanced homemade diet with salmon and lots of fresh vegetables, fruits, oils, etc. (slightly cooked because she won't eat raw). Will this in itself help the issue or is more needed?
~ Lisa
Hi Lisa,
What a great thing you are doing for Baby by feeding her a fresh food diet and investigating the cause of her elevated serum alkaline phosphatase (SAP or ALP) and alanine aminotransferase (ALT). In my experience and clinical experience, feeding fresh (and yes, even raw!) foods are one of the best ways to manage most chronic disorders, especially when they are gastrointestinal (stomach, intestines, liver, pancreas, etc.) in origin. It is fantastic that you had her diet's composition analyzed and balanced. Only by doing so, can any diet safely be fed every day for long periods of time. I find that the more common method for achieving balance is by feeding a wide variety of fresh foods in moderation. Similar to how we eat.
Normal urine crystals may accumulate and form "sand" in the bladder. In some dogs, these tiny crystal coalesce and form a larger stone. Unlike Baby, these dogs have clinical signs of cystitis (bladder inflammation). Frequent, difficult urination is a very common symptom in these patients. As Baby's internist said, minute and sub-clinical bladder stones are indeed an occasional incidental finding seen on abdominal ultrasound in some older dogs. A good ultrasonographer with sensitive ultrasound equipment can diagnosis stones below .25 cm. These minute stones are below the size that can be seen on x-rays and may never cause a problem. Certain breeds are genetically predisposed to forming stones like Bichons, Lhasa Apsos and Miniature Schnauzers.
Regarding supplementation, I agree that continuing the SAMe and milk thistle supplements would be beneficial to continue. It is wonderful to watch biochemical abnormalities return to normal under any kind of treatment. Especially when those treatments are virtually free from the toxic problems that plague drug treatment.
In general, ursodiol is safe to use, but can still have serious side-effects. I hear from many pet owners who are seeing fantastic clinical and biochemical improvement from supplements that help optimize liver function. Hepato Support from Rx Vitamins is a commonly used and widely available supplement that provides great liver support with milk thistle, alpha lipoid acid, methionine, choline. SAMe and DMG are both also very useful in helping support Baby's liver function. I consulted with veterinary herbalist Dr. Cynthia Lankenau to learn more about medicinal herbs that can further help thin the bile. Gentiana (not gentian violent) has a long history of successful use and has well documented efficacy: http://www.ncbi.nlm.nih.gov/pubmed/23195900. Others include dandelion root, chamomile and yellow dock.
It is important to know however that even when natural methods like vitamins, supplements, herbs, acupuncture, etc. are used, this manipulation of symptoms is pharmacological. This will lead to their palliation and not their permanent resolution. Even if Baby's liver blood values and urine results return to "normal", she is not free of the underlying dis-ease that is causing problems with her liver and bladder/kidneys. Covering up symptoms (palliation and suppression) is commonly practiced but should not be the goal of treatment in my opinion.
Curative resolution of Baby's elevated liver enzymes, thick bile, etc. can only occur if the underlying problem is addressed. Although there are many triggers that lead to imbalance, there is only one primary energetic imbalance that causes all secondary physiologic abnormalities. It results in most symptoms like arthritis, skin and ear problems, behavior and emotional issues, etc. The body can become imbalanced in many ways. Inherited problems, environmental toxins, inadequate diet and repeated vaccination are among the most common.
Energetic homeopathic treatment needs to be guided by Baby's specific symptoms. In general though, there are certain homeopathic medicines that have an affinity for different organs and parts of the body. A professional homeopath can analyze Baby's history, review her medical records and diagnostic tests to help determine which would be most effective in her specific situation. Homeopathic medicines will stimulate the natural healing of her body. In addition to the improvement of specific symptoms, one of the wonderful benefits of curative (vs. palliative or suppressive) homeopathic treatment is a higher level of health. This may mean that during treatment of her liver problems Baby becomes less fearful of thunder, wants to again interact and play nicely with other dogs, has a better appetite, stops leaking urine, etc.
Baby reminds me of a patient I originally saw in 2004. In late winter of 2011 Molly had started acting a bit strangely. She was eating leaves, rocks. A few years earlier she had an episode of severe autoimmune hemolytic anemia which she had survived. Because of this previous problem, during her exam she had a quick in-clinic red cell count that was normal. The blood tests sent out to the lab however were another story. At that time, her lab values were even worse than Baby's. Her ALT was found to be over 400 and her ALP was over 600.
On the first day of Spring of 2011 I referred her to an internist to help obtain a definitive diagnosis. Abdominal ultrasound revealed a very inflamed gall bladder that looked like it was about to rupture, gall stones, and bile sludge. At that time the owners elected to have her gall bladder removed as advised by the specialist.
Being more holistically-minded and having treated Molly with homeopathy in the past, her guardians chose to bring her back to me before she had surgery. As in all cases with structural pathology, I warned them that the healing ability of Molly's body when stimulated by homeopathic medicines could not be fully determined in advance of therapy. Regardless, they chose to start treating Molly with homeopathy.
Within 10 days, Molly was feeling better. Her energy was higher, she was in a better mood and acting more like herself in many ways. On her 3 week blood recheck, her SAP was about ~30% improved but her ALT was 10% worse. During her recheck, I pointed out that with homeopathic treatment we commonly see internal improvement reflected in improved mood and energy prior to improvement of blood tests.
No need for me to go further into this case except to say that Molly's liver problem fully resolved soon thereafter. 1 ½ years later another ultrasound was performed for a different problem. In it her inflamed gallbladder, bile sludge and gall stones had all resolved. The body had healed itself under homeopathic guidance. As nature intended.
It is most beneficial to continue supporting and working with Baby's body to optimize her well-being and longevity.
Best of luck on your holistic and homeopathic journey with Baby.
If you have a question you'd like to ask our Homeopathic Veterinarians, CLICK HERE!


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The Graco paint sprayer reviews Airless Paint Sprayer is an excellent choice if you are still on the hunt for a high-quality equipment ideal for repainting and staining projects. This unit is perfect if you want to grow your business with some preliminary quality finishes. The Graco Magnum 262805 X7 is a tremendous tool for spraying walls, ceilings, doors, fences, interiors, sidings, and small houses. It will save you a significant amount of time.
The Graco Magnum 262805 X7 comes equipped with a heavy-duty stainless steel piston which enables you to carry out more frequent spraying using different materials, right from thinner stains to thicker latex. It has a maximum performance of 31 gallons per minute thus allowing you to cover larger surfaces within a very short time.
This paint sprayer is capable of spraying a broad variety of thick and thin materials excluding solvent based lacquer, block filler, asphalt, and other texture filled materials. Additionally, it has a PushPrime feature which ensures quick and easy priming.
Unlike other units that can be very hard to clean, the Graco Magnum 262805 X7 has a Graco Power Flush System for fast and proficient cleaning. All you need to do it connect the adapter to a regular garden hose and water will flush the whole thing out, to get it nice and clean.
The Graco Magnum 262805 X7 comes with its own carrying cart which makes it easier for you to wheel around the job side hence saving lots of energy and time. Also, the wheels make it ideal if you have back issues. This paint sprayer is capable of outing out lots of pressure, thanks to its 5/8 Horsepower motor. In fact, this unit can reach up to 3000 psi via the adjustable knob and the 50-foot hose.
The spray tip is easy to clean. In case you experience clogging, you can reverse the spraying tip and clean out backed up paints within few minutes.


text:
By Martin Zwilling, Founder and CEO, Startup Professionals, Inc. – 04/04/2017
When you are growing a business, it's hard to find time to focus on anything but the crises of today. Yet if you don't spend some resources preparing for the changes in the marketplace we already know about, there may be no tomorrow for your business.
In my years of mentoring and advising business leaders, I find that real planning for the future always gets the short shrift.
Of course, nobody really knows all of what tomorrow will bring, in terms of globalization, digital technology, or demographic shifts, but most experts agree that certain elements are already obvious, and things must be done today to get your business ready in time.
I found some key ones in a new book, "The Future-Proof Workplace," by Linda Sharkey, PhD, and Morag Barrett. These authors, who both have extensive credentials as executive coaches with top tier business leaders around the world, detail six factors of change that every business needs to address today to keep ahead of the wave.
I believe these factors are key to the future success of every new startup, as well as every mature company:


text:
In their most recent blog entry, AdSense offers up an AdSense heat map specifically for forums, likely as a result of their forum optimization tests that some publishers were participating in this summer.
I would be curious to see how this breaks down across forum styles, if they release this information. I found with phpBB that the right column, while higher CTR than some placements, was definitely not as good as immediately following the first post of a thread. But even then, forum CTR is notoriously low in comparison to a non-forum page.
However, forums that manage to get a lot of CPM ads can do quite well revenue wise. So be sure to enable image ads, but also being sure to use one of the ad unit sizes that supports image ads. These are:
- Leaderboard (728 x 90)
- Banner (468 x 60)
- Skyscraper (120×600)
- Wide Skyscraper (160×600)
- Medium Rectangle (300 x 250)
The other ad unit sizes will not be able to take advantage of the full range of CPM ads, since while other ad units can display the text CPM ads, you would be missing out on all the image CPM ads.


text:
Blog Post
How to unlock UK O2 iPhone 4 iPhone 4S
O2 UK iPhone 4/ 4S would be searching for a reliable factory unlock solution. There are many services on the internet that claim to unlock the device on this carrier. However, many, if not all, fail to deliver in the end. However, we have discovered an authentic service that can unlock O2 iPhone 4/ 4S. Read on for more details!
How to unlock UK O2 iPhone 4 iPhone 4S
How to get factory unlock for O2 iPhone 4/ 4S
The company worth mentioning is jailbreakwizz.com. This is a UK based company that is providing original IMEI unlocks. They have direct access to Apple's servers, and the unlock is done through iTunes. As a result, there is no need to worry about the warranty. The company also offers after sales services, such as aiding in Mobile Internet setup. After this unlock, the baseband and firmware can be updated without any worries.
The process is simple. You just need to visit our iPhone unlocking partners. They will ask you for device details and the carrier which the handset is currently locked to. If you're eligible for an unlock, the company will inform you the price and timescale. After taking the service, a confirmation e-mail will be received a few days later. At this point, your device will be unlocked after you connect it to iTunes.
jailbreakwizz.com also offers a factory unlock solution for O2 iPhone 4/ 4S which have been blocked. After the unlock, you can use the iPhone on any carrier in the world. Get the genuine UK O2 iPhone 4/ 4S right away by visiting the official website.
Click Here To Get Your iPhone Unlocked Now – For Most Worldwide Networks
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text:
Dessanti, Antonio and Falchetti, Diego and Iannuccelli, Marco and Milianti, Susanna and Altana, Cristian and Tanca, Anna Rita and Ubertazzi, Michele and Strusi, G. P. and Fusillo, Mario (2009) Cryptorchidism with short spermatic vessels: staged orchiopexy preserving spermatic vessels. The Journal of Urology, Vol. 182 (3), p. 1163-1168. ISSN 0022-5347. Article.
Full text not available from this repository.
DOI: 10.1016/j.juro.2009.05.050
Purpose. Patients with cryptorchidism can have such short spermatic vessels that it is impossible to place the testicle in a satisfactory scrotal position using conventional orchiopexy. In these cases the most commonly used operation is 1 to 2-stage Fowler-Stephens orchiopexy. We present our surgical experience using staged inguinal orchiopexy without section of the spermatic vessels in patients with short spermatic vessels.
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