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Bow BridgeThe Highlights
Bow Bridge is the oldest cast-iron bridge in the Park and the second oldest in America.
Built between 1859 and 1862, Bow Bridge is named for its graceful shape, reminiscent of the bow of an archer or violinist. This handsomely designed bridge spans the Lake, linking Cherry Hill with the woodland of the Ramble. When the Park was first planned, the commissioners requested a suspension bridge. The designers compromised with this refined, low-lying bridge. Today, Bow Bridge is one of New York's most romantic settings and a muse for photographers.
Beautifully reflected in the waters of Central Park's Lake, the Bow Bridge gracefully gathers lovers of New York in real life and in movies the Bridge has been the a magnificent setting in films such as: Manhattan, The Way We Were and Keeping the Faith.The colors of the Ramble woodland change in hues depending on the season. Springtime signals the arrival of a delicate array of papery pink cherry blossoms from the aptly named Cherry Hill bordering one side of the Bow Bridge. And in the warmer months, rowboats propel gently underneath.
Photographers especially love to stand by the bridge to get stunning shots of Fifth Avenue and Central Park West. For anyone in search of an iconic New York moment, Bow Bridge provides the making of a great one.
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A teenager who formerly worked at a Chipotle in Houston, Texas, was awarded a multimillion-dollar judgment this week after suing the company for sexual harassment.
The teenager who was 16 at the time said she was harassed by her supervisors and had sexual intercourse with her 26-year-old manager more than 40 times, FOX 26 News reports. The age of consent in Texas is 17.
Following a two-week trial, Chipotle has been ordered to pay the teen $7.65 million. The victim's name has not been reported because the court has classified her as a victim of sexual assault.
"It's almost like a brothel that just served food. That's the best way to characterize this restaurant," the victim's attorney Ben Hall told KPRC 2.
According to Hall, the victim's ex-manager has fled the country and is currently in Mexico.
Chipotle says that employees and the company were unaware of the relationship between the teen and her manager, which the company says took place outside of work, until the victim's parents filed the lawsuit. At the time the lawsuit was filed, Chipotle says neither the victim nor her former manager was working at the company.
"We care deeply about all of our employees, but even our rigorous policies specifically designed to protect our employees cannot prevent private relationships that happen away from the workplace during non-work hours, such as occurred in this case," Chipotle said in a statement. "We continue to offer our support for this former employee, and hope for her wellbeing."

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This year's fall seminar and retreat will take place from November 20 – December 1.
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This year's fall seminar and retreat will take place from November 20 – December 1.
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It's officially October 1st, and that means it is the start of Breast Cancer Awareness Month. Breast Cancer affects 1 in 8 women here in the United States, and though many strides have been made medically, this disease still affects our mothers, daughters, wives, aunts, co-workers, and other loved ones.
At A&S, we are always looking to make a positive impact and we are using Breast Cancer Awareness Month as a great opportunity to spread the word about this disease and raise awareness on how women can receive screenings, mammograms, and other preventative care services. One of our more popular items — our pink hat — will serve as the item of the month and we will be promoting this item along with our other products.
For this month only, all of our items are 25% off using the coupon code "PINK17", and in addition to the 5% donation that we make to Mental Health America year-round, we will match that same donation for the month of October to the Susan G. Komen Foundation.
For more information on how you can donate to the Susan G. Komen Foundation, click here:
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We also have a partnership with Diamond Heart Foundation, which is an anti-exploitation non-profit, to learn more and also donate, click here:


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Somewhere With Hidden Potential
Making an offer and getting it accepted.
…..Make a serious first offer.
…..Get the estate agent on your side.
The legal and financial stuff.
Change of Address Notifications.
First Things First
Moving house is an expensive and stressful event in our lives – some of the costs you will face cannot be avoided, such as taxes and legal fees, and neither can some of the stress be avoided. But you can minimise the stress in many ways and also cut down on some of the costs and that's what this guide to moving house will help you do.
However, before you even get to that stage you need to find a house to buy – and that is no mean feat. It is often not just about looking at those houses you can afford; there are other considerations such as transport links, schools, space within the house and outside space, particularly important if you have young children or pets. And it is also about balance – the perfect house with perfect schools in a gorgeous countryside location is no good if you or your partner are exhausted commuting into the city every day. Or, even worse, rarely see your family as you spend most of the week in town missing out on your children growing up and indeed missing out on the "perfect" home.
A house move is indeed a serious business – not just because of the sums involved but because mistakes can be costly in other ways – having to move you children from a school mid-way through, all of you having to start again forming new friendships and getting to know a new location.
Be prepared for some seriously hard work if you want to get the best house for your money in a location where you can really put down roots – build a family, a career and good friendships – and be happy. Sometimes it isn't the huge house and garden in a perfect location that will make us happy but smaller things such as good neighbours, a safe, friendly community, the sound of birdsong and the way the sun shines in your kitchen in the early mornings.
So before you embark on finding a new house, whether you are a seasoned house mover or a first time buyer start off by reading this guide to moving house and then making a list of what is important to you. But leave plenty of blank space as you may discover something in a home that you hadn't thought of but is the one thing that makes you want to buy a particular home.
Knowing what you want
It can help to start writing a list of all the things that are most important to you about a location. Think about what you like and dislike about the location where you are currently living and where friends and relatives live. You may need good transport links for an easy journey to work, you may also want to be close to pubs, restaurants and shops. Or have easy access to the countryside for the week-ends. Whatever matters to you, start writing it down as it will help to focus your search.
Now start to draw up an initial search area – don't be too set on a certain town or postcode as you may find it is too expensive or simply that the type of property you want is not available on the market in that area. You may also find that once you start looking at properties that location isn't, after all, everything and you may be tempted by a larger home in a less favoured area. Choosing a home is a very personal decision and you may not know what you want until you see it.
Once you have a rough search area start to view properties with the features you are looking for – you will probably have an idea of number of bedrooms so that is always a good starting point.
You will quickly get an idea of what homes cost with certain features in your chosen area and it is then time to find out how much mortgage you will be able to take out. Unfortunately most mortgage lenders no longer offer a "mortgage in principle" where you have documented proof of the amount you can borrow. But once you have had a few quotes you will be able to fine tune your house search with a much better idea of your budget.
Deciding what you need
Judging by the number of house magazines and TV programmes designed to encourage us to create our dream home it seems many of us are a little bit obsessed with the idea of a dream home. We can see them being built, extended, renovated or refurbished step by step on TV programmes by the brave few so it's clear that dream homes do exist.
But what do we really need in a home?
To help you decide first establish what your goal is. You cannot achieve a dream if you don't know what you are looking for and every dream is different so start by deciding just what it is that would make a dream home for you. Some people will be focusing on good schools, country air or village life. Others will be after good restaurants, art galleries and a lively buzz.
The perfect home is not always the most expensive or most impressive to look at; remember you will be living there so it needs to feel comfortable not just look good. For instance large gardens may be impressive but they take time and/or money to maintain. Large houses are expensive to run – fuel bills, repairs and council tax will all cost more.
Do you really need that guest bedroom that is rarely used or the conservatory that can only be used for half the year. On the other hand how would it improve your life to be able to walk to work (or at least to the station) and to your children's school or to the park?
Take a long hard look at what you really need.
When to Compromise
Every guide to moving house will tell you that compromise is always necessary. If you find a place that meets most of your needs then that is a pretty good going. If the things you will have to compromise on are easy to change or fix then be willing to compromise – provided the price is right and allows you to make any changes. But don't compromise on major factors, such as poor parking in a busy town location; this could spoil your enjoyment of the home.
A little bit of flexibility may help you find the property that could become your dream home even if it may not quite be there yet.
Also accept the Limitations of your budget. More money won't necessarily lead to more choice of homes but do think laterally to make your budget go further, for example, don't be too rigidly fixed on the idea of a period property in areas where more modern homes are significantly less expensive – and probably have more space and light too.
Modern or Perfect Period Gem?
Many home buyers in the UK, given the option, would have a period home, with all the quirks and features that entails, combined with modern conveniences such as double glazing, cavity walls, good insulation, and contemporary kitchens and bathrooms. Sadly, few houses combine these duals wants, or at least not at affordable prices.
So the choice of a period or more modern home is a major factor when we choose to buy a new home. Depending on where you live and your budget the decision may be made for you as many period properties command a substantial premium over the price of a more modern home (say from the 1960s onwards, although 1940s and 1950s houses are not technically "period" homes they are often of a similar style to 1930s homes)
So what are the main advantages and disadvantages of newer versus period homes:
Sometimes hard to define but you know instantly if a home has it and so will estate agents, home owners and other home buyers so be prepared to pay a premium for character. Sometimes it is purely the build style and sometimes the proportion and layout of the rooms that lends character.
Open fires, high skirting boards, wide staircases, original oak floors, detailer plaster cornices. Georgian, Victorian and Edwardian homes have these by the bucket load.
Well-established streets
It's not just the character of the buildings that create a well-established feel to an area it is also their gardens and especially the surrounding trees. It is easier to build a new home with "character" than it is to instantly create a well-established garden, which is almost impossible to do even with a huge budget.
Modern Conveniences
Homes built in the last 10 years will almost certainly have conveniences that older homes lack particularly when it comes to plumbing, heating and insulation. But sometimes much older houses actually have more modern conveniences that those that are, say, 30 years old. This is because the odler the property the more likely it is to have been updated. So don't make any assumptions – check everything out.
That Open Plan Feel
Period homes are less likely to have a truly open plan feel even if walls have been knocked down because they were no designed for this type of living. Many Victorian houses for instance are long and thin so there is a limit to how open plan you can make it feel.
We tend to assume that older homes have larger rooms and there is a lot of truth in that. However, there are certain home with a very modern feel that also have large rooms, particularly those built in the 1970s that can have very spacious rooms with plenty of light.
Unless you are very fortunate to find a period home that has been completely renovated, the maintenance of an older property is a major consideration to factor into any purchase. Any period home should have a full structural survey done before exchanging contracts and remember that repairs to period features will typically cost more than to their modern equivalent.
Somewhere With Hidden Potential
Buying a home is an expensive investment but remember it is a home and not just an investment. Nevertheless it is always worth keeping an eye out for a home with hidden potential, although depending where you live they may be few and far between.
A home with hidden potential doesn't have to be a complete wreck – often it is the homes with very dated décor and fittings (especially kitchens and bathrooms) that can be bought for a discount. Only take on a project if you know you will have the time, money and enthusiasm to see it through – for those of us still hankering after a renovation project here are some tips for finding that hidden gem.
- The neglected house. In a street or area where most other homes may have been updated or extended, the neglected house could have the potential you are looking for.
- Dated décor and fittings. Old-fashioned décor and dated kitchens and bathrooms can be a complete turn-off for many people so won't appeal to all buyers. Yet they are relatively easy to change if the house is otherwise sound and has the space you need.
- Space matters. Space or the potential to create it is one of the most desirable aspects of any home unless you are actively downsizing. It is the reason people buy a 1970's house when they originally wanted a Victorian home. It is the reason so many people extend their current homes and knock down walls for an open plan space. Don't under-estimate how important it is.
Is it the right time to buy?
Home buyers always worry about whether it is the "right time" to buy a home but, as with many other things in life, buying a house may not be able to wait. If your family is growing, or your job has been relocated, or you are getting divorced these are just a few examples of when you may choose to buy even if the time is not quite right in the marketplace. Just remember to buy somewhere that can serve as a home even if your circumstances change in the next 5-10 years (you don't want to end up being forced to sell at a loss, after all). But if you still want to play the guessing game take a look at some of these indicators that suggest when might be a good time to move:
Each year there are changes in the budget that affect how much tax we pay; sometimes those changes specifically affect house buyers (such as rises in Stamp Duty Land Tax). Fortunately we are warned of most changes in advance so if there's a looming deadline that might increase the cost of buying then try and buy before that deadline (but don't get desperate!)
Spare cash
If you have a significant amount of savings or have recently received an inheritance then you will receive a pretty poor interest rate so investing in a more expensive home could be the perfect safe haven for you cash. Just remember that it will be locked in to your home so only spend an amount you know you won't need anytime soon.
A clearly mapped future
If your children are about to start at a new school you can be as sure as anyone ever can that you will be staying in the same area for the next few years so moving house now would be a fairly safe bet.
Minimising The Stress
It would be nice to think that buying a new home could be stress-free but unfortunately that is probably never the case. However, it is possible to keep that stress to a minimum.
Buying a home is a complex process that most of us do only a few times in our lives. It affects our emotions and our finances so it's little surprise we find it stressful. But the professionals such as the estate agents and solicitors do this sort of thing every day so trust their expertise.
If you are moving to a new area or even a new country then do your research in advance – the more you know about a new area the less worried you will be about moving there.
Prepare yourself mentally for a range of outcomes to avoid the emotional rollercoaster that will simply fuel your stress levels. If you have thought through your worst case scenario then you can handle bad events relatively calmly if they actually happen.
Making an offer and getting it accepted
In an ideal world you would find a dream home at a price you could afford and no other buyers would be interested. Sadly that is extremely unlikely to ever be the case. So how can you maximise your chances of having your offer accepted?
Making an offer requires some strategy – the seller, naturally, wants the full asking price but, hopefully the estate agent will be skilful enough to recognise a good offer when it comes along so if you deploy some of the following strategies that dream home could soon be yours.
Make a serious first offer
Don't insult the seller by making a ridiculously low first offer – this will not work in your favour if other more realistic buyers are also making offers. On the other hand don't offer your maximum straight away. Nor just pick a figure out of the air. Make sure you have seen plenty of similar houses for sale and also check the recently sold house prices for your area (Zoopla is good for this). Also check the condition of other similar houses for sale or recently sold homes.
Poor condition such as a poor roof or old wiring (switches and sockets are often a clue) will affect the mortgage valuation so make sure those were taken into account in the asking price. If not, get a rough estimate of costs to rectify the problem and use that to explain your offer.
Eliminate the risks
If you can reassure the seller that you are a serious buyer with finances in place already that will help when the negotiations become close and could mean the difference between your offer being accepted rather than another interested party if you both offer the same amount. Don't underestimate the advantage it will give you so inform the buyer and estate agent in advance of your readiness and ability to move to a swift exchange of contracts
Get the estate agent on your side
A good estate agent will help the transaction complete quickly and smoothly so treat him/her like your best friend. Stay in regular phone contact (not just email) and make sure you provide proof of your ability to move quickly such as a letter from your mortgage provider or proof of an offer accepted on your current home or of the deposit funds you have available.
Love and Enthusiasm
The house you are interested in is somebody's home right now so make sure you express your enthusiasm to live there. Even if it is dated and you plan to rip out the kitchen and bathroom as soon as you can, don't tell the seller that (or the estate agent) just be endlessly positive about the house. Many people want to sell to someone they feel will take care of their old home – provided the price is right, naturally.
Once you have made your first offer it is almost certain that the vendor will try and negotiate a higher price. Don't immediately jump in with a higher offer unless there are several other interested buyers. Consider your next offer carefully using the information you have gathered about the value of similar houses and the state of repair and costs to rectify.
At this stage the seller may be holding out for the asking price but if you are the only one to have made an offer so far then be patient. Talk openly to the estate agent – it is in their interest to secure a sale.
The survey
Once your offer has been accepted, you will need to arrange a survey. At the very least your mortgage lender will require a basic valuation before authorising your loan but if you are buying anything other than a new build it makes sense to have a more detailed survey for your own benefit so you know exactly what you are taking on.
But don't forget, especially on 2nd or 3rd viewings to have a thorough look at the property yourself – some serious issues will be easy to spot such as damp.
Home Buyer's Report
This type of survey will document the condition of only the visible parts of the property so will not, for example reveal problems with the wiring or structural defects unless they are highly obvious.
Full Structural Survey
This type of survey will involve a detailed examination of the property so will cost significantly more than a Home Buyer's Report but the cost is negligible when compared with the cost of a home or the repairs to any potential problems it finds. It will also categorise defects into those that need to be immediately rectified and those that are longer term maintenance jobs so is useful for every home owner in helping maintain their property to a good standard.
If any serious defects are revealed by the survey then this may be an opportunity to re-negotiate a lower price, although estate agents will often tell you that defects were taken into account in the asking price, but use your own judgement before deciding whether to re-negotiate.
The legal and financial stuff
Funding the Purchase
With your offer accepted in writing and the survey complete to your satisfaction you need to arrange the formal offer of your mortgage with your chosen lender. Don't assume this will be plain sailing – mortgage criteria are much tougher than they used to be – taking into account affordability at levels never seen before. So the lender will want to know how many dependents you have (that includes non-working spouses), whether you have school fees to pay and other regular expenses so be prepared and start the process as soon as possible.
Pre-exchange checks
It should go without saying that you should employ a reputable solicitor or conveyancer to handle such an important transaction as a house purchase but if you feel the need to double-check everything has been handled correctly before you exchange contracts then here is a useful checklist:
- All the local searches should have been carried out to check for any nearby work that might affect your new property.
- A survey should have been carried out and both you and your mortgage lender have a copy.
- Your lender has issued a formal offer stating how much money they will lend you (and this is adequate for the purchase).
- You have agreed the amount of deposit acceptable to the seller and whether that will come from the proceeds of the sale of your existing home (if relevant).
- The completion date has been agreed in writing.
- It has been agreed in writing which fixtures and fittings (if any) are included in the sale of the property.
Exchanging contracts
You solicitor will prepare a draft contract ready for you and the vendor to sign at the appropriate point. Signing this contract is a legal commitment to buy even though you may not actually move in to the property for several weeks afterwards. Make absolutely sure you are happy with every part of the contract, with the price and with the arrangements to fund the purchase (e.g. the particular mortgage deal).
The contract will also define the amount of deposit to be paid at exchange of contracts – this is usually 5% – 10%. If you are selling an existing home it is normal to agree that the deposit will come out of the proceeds of that sale, otherwise you will have to pay the deposit at exchange. Your solicitor will handle all the monies.
Completion of the Sale
Once contracts have been exchanged the purchase is a legally binding agreement and you will forfeit your deposit if you do not proceed. Completion of the sale is when you pay the agreed price less the deposit, receive the keys and can finally move in. Your solicitor will arrange to transfer the funds directly from the bank or building society providing the mortgage to the vendor's solicitor.
Preparing for the move
Moving house will be much more stressful if you are ill-prepared. By taking the time to plan for the move thoroughly, you can reduce the stress you are feeling and make for an easier moving experience. Here are 10 top tips for getting ready to move to help you plan and prepare.
- Book a removal company: Moving companies get booked up quickly, especially on weekends, so book early to secure your date.
- Order boxes: Order some sturdy moving boxes either through your removals company or independently, as well as packing materials. Think eco-friendly.
- Declutter: There is no sense in moving things you don't need, so have a thorough clear out before you start packing.
- Measure: Measure up the new house, if you can, to ensure your existing furniture will fit. If it won't you may want to consider selling some items before the moving day.
- Pack: Aim to pack just one box per day to avoid getting burned out. Start at the top of the house and work your way down – see Packing Advice
- Eat your frozen food: Start running your freezer down as soon as you can.
- Notify: Notify all service providers, doctors, councils, schools and any other relevant organisations of your move – see Change of Address Notifications
- Make a note: Keep a note of anything you need to know about the new house, the old house and any numbers you might need. You will probably be without internet connection for a few days, so have everything written down just in case.
- Collect documents: Things like passports, insurance documents and other important paperwork should be collected into a separate folder to travel with you on moving day, not in the van.
- Plan for arrival: Plan to do nothing for a few days after getting to your new home. Many people move and then start their new jobs straight away, but this is only bound to cause more stress. Stay home and give yourself time to settle in before returning to work.
Packing Advice
- Create a list of everything that will be moving to your new address
If you are in a rented property, much of the furniture may be staying and it might just be your personal possessions that need moving. But if you own your current home, then you are probably going to take everything. And if you have a freestanding kitchen, you may even actually take the kitchen sink. For small items, make an estimate of how many packing boxes you will require. Don't use boxes that are too large – they will just become very heavy once full.
- Sell or donate your surplus stuff
Be ruthless – if there are any possessions that you no longer want, then get selling on Ebay as soon as possible or donate to charity. The less you have to transport from your old home to your new home, the easier and less expensive it will be.
- Pack non-essential items in advance.
Start packing non-essential items as soon as you can. Books, DVDs, bedding, children's toys, kitchen gadgets whatever you think you can do without for a couple of weeks. It will take much longer than you expected, particularly if you have to sort through cupboards, lofts, sheds and garages etc that have not been used for a long time.
- Pack essentials on the day
Pack a small suitcase with all the items you'll need for your first night in your new home such as toiletries and medicines, toilet roll, bedding, and a change of clothes. Use a small, separate bag for valuable items such as jewellery and important documents so these can be kept with you on the moving day.
It may sound obvious but pack a small box with the kettle, mugs, teabags, milk and biscuits. By the time you have arrived at your new home you will need a reviving drink and something to eat.
Change of Address Notifications
There's so much to do if you're planning a move, so here are the people and organisations you should definitely not forget to tell before the big day.
- Redirect your post: You can set up a redirect for as long as you like, but for most people, 6 – 12 months is adequate.
- Tell your bank: Notifying your bank in good time will ensure your valuable financial information doesn't end up in the hands of a stranger.
- Insure your new home: Make sure you have a good buildings insurance policy in place as soon as your mortgage is secured. If you are renting, take out contents insurance before you get there to cover your items during the unpacking.
- Move your vehicles too: DVLA will need to know about your new address for registration, and you'll need to change the address on your driver's license too. Don't forget to tell your insurance company the date of the move also, otherwise any claims may be invalid.
- Tell the council: Not only will you need to tell the council your new address for council tax purposes, but you'll also need to change the details on the electoral roll also.
- Take meter readings: The day you move, you will need to take your final meter readings and give them to your suppliers, so that they can calculate your final bill.
- Move your TV license: This is no more trouble than a quick phone call or an action online. Failure to do it could risk a fine of up to £1000.
Be Eco-Friendly
Here are some handy tips to help you pack and move house with less impact on the planet.
Use your own belongings as packing materials
Instead of using bubble wrap, which is harmful to the environment why not use your duvets, pillows, jumpers and blankets to wrap and protect items from being damaged or broken during the move?
Hire Plastic packing crates
Packing crates are usually used by businesses, but they are much more eco-friendly than cardboard boxes. You hire rather than buy them and because they are reusable and completely recyclable they are better for the environment.
Use recycled boxes
The pcking boxes used by removals companies are very sturdy so consider using Recycled boxes if they are available – it will save on waste, save you money and also be better for the environment.
Declutter first
Moving more stuff costs more: more boxes, more packing materials and a larger truck. So decluttering before you move is one of the best ways to minimise your impact on the environment.
Clever Packing Tricks
Here are some clever little tricks for packing more efficiently from the experts, perfect to help you with your next house move.
Don't clear out your drawers
Empty drawers are a waste of space. Leave some lightweight items in there, or even pack some clean underwear and pyjamas inside, so you know where they are when you arrive.
Order books by size
Books should be packed in smaller, easy to handle boxes. Arrange them in size order before you start to get a neat, snug fit in your boxes.
Put similar things together
Things like lamp shades will fit neatly one inside the other, so pack them together. Things like light bulbs or small ornaments should go in a box by themselves, protected with packing paper and marked 'extra fragile'.
Tape small things to their larger partners
Tape things together to stop small items from being lost. The bolts that hold the bed together, the remote for the TV or the finials and rings for your curtain poles; all are too easy to lose in the move, so wrap them in tape and secure to the item they go with to make it easy at the other end.
Use old sheets for protection
Dress your mattress with two old sheets – one on the back and one on the front – to protect it from getting dirty or damaged in transit. Cover furniture, cushions and other easily marked items with old sheets, as these will be easy enough to launder or throw away when you get there.
Settling In
When you've moved house, arriving at your new home and turning the key for the first time is a moment of pure excitement. As you step over the threshold, your first instinct will undoubtedly be to run round the house, checking out all the rooms and generally revelling in your new family abode. But before you get too over excited, there are a few things you really should do to make sure you and your family are safe, protected and ready to start off on the right foot.
- Check the condition – Have a quick scout around the house to check for any damage that might have been caused as the previous occupants left. At this stage it is easier to spot and record any issues as well as to verify it was not you who caused it. If you find anything concerning, photograph and make a note of it before you move any furniture in.
- Check for what has been left behind – If you agreed to curtains or white goods being left, make sure they are still there. If you find anything you had not expected to be there, contact your estate agent to confirm if they were left by mistake or not.
- Read your meters – You don't want to be charged for someone else's energy use, so take a reading as you enter the property that you can call in to your energy company (as soon as you find the phone, that is).
- Watch out for hazards – This step is particularly important if you have children or pets in the household, as exposed wires and loose carpet can cause an accident when you least need it.
- Get everyone in a safe place – If you have young children make sure they stay in a room away from all the activity, and if you have a 'spare' adult on hand, ask them to entertain the kids whilst you get on with the unpacking. If your new home is on a busy road, take extra care to keep vulnerable individuals away from the traffic.
- Identify the rooms – Make certain you know which rooms will be which so your boxes and furniture can quickly make their way to the appropriate area. Allocate a 'dumping' space, such as the garage, for anything you don't need straight away and that can be unpacked over the coming days or weeks. Focus on getting beds and sofas set up early on, so you can all crash out.
- Introduce yourself – Meeting the neighbours may not be high on your list of priorities when you move to a new home, but it will be easier to do today than at any other time. Let them know if you'll be blocking their access or view and for how long, as this can help diffuse potential confrontations further down the line.


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Submarine Force Museum Home of Historic Ship Nautilus
About Us
- About The Museum
- Use of Facilities
- The Museum Association
- Mission Statement
- The Klaxon Archives
- Contact Us
- Become a Member
- Affliated Links
Links to other Navy and Submarine Sites
- Commander, Submarine Force, U.S. Atlantic Fleet home page.
- Commander, Submarine Force, U.S. Pacific Fleet home page.
- Naval Submarine Base New London, home of the USS NAUTILUS and Submarine Force Museum.
- United States Submarine Veterans Inc. official home page.
- U.S. SUBVETS WWII National Memorial East located in Groton, CT.
- On Eternal Patrol Site dedicated to all men lost while serving in the US Submarine Force
- Learn about the Naval Submarine League.
- USS Nautilus (SSN 571) Alumni Association home page.
- Explore the Naval History and Heritage Command, the heart of U.S. Naval history.
- See location and links to All Submarines on public display around the world.
- Visit the Office of Naval Research search for submarines and read several fact sheets!
- Learn the secrets of the Alligator, the Union's Civil War attempt at a submarine.
- To obtain information on a relative's military service (i.e., service record) visit the National Personnel Records Center of The National Archives.
Links to Southeast Connecticut Tourism Information
- Five Rivers Consortium's on-line directory of historical, cultural, and educational places to go and things to do in southeastern Connecticut.
- R.J.Julia Independent Bookseller: Local independent bookseller who has hosted author nights with Navy and Submarine related writers.
Links to Navy Museums, Stars to Guide a Nation
- Great Lakes Naval Museum, Naval Station Great Lakes, Illinois
- Hampton Roads Naval Museum, Norfolk, Virginia
- National Museum of Naval Aviation, Pensacola, Florida
- Naval Museum of Armament and Technology, China Lake, California
- Naval Undersea Museum, Keyport, Washington
- Naval War College Museum, Newport, Rhode Island
- Patuxtent River Naval Air Museum, Patuxtent River, Maryland
- Seabee Museum, Port Hueneme, California
- U.S. Naval Academy Museum, Annapolis, Maryland
- U.S. Navy Museum, Washington, D.C.
- USS Constitution "Old Ironsides," Boston, Massachusetts
- Site focusing on Maritime history and research


text: Are you looking for a convenient location to get all your Chrysler, Dodge, Jeep®, and RAM vehicle needs met? You've come to the right place at Quinn Motors! Below you can use our map and directions tool to find the most convenient route to our RAM dealership near Yorktown, VA. Whether you are looking to see our selection of new 2018 cars in stock or need help from our car service center, we'll help you find the easiest route to Quinn Motors. Do you have any additional questions about getting to our dealership? Contact Quinn Motors today, and we'll be happy to help!


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Chris Oliver, owner of GoRails has put up an awesome guide to set up Ruby on Rails. Chris even includes directions for the last 3 OS X operating systems and Ubuntu.
Head on over to:
If you have any questions make sure and comment on the setup page. Lots of really helpful coders will chime in.
(Visited 22 times, 1 visits today)


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Coming Soon: Deal With North Korea ... or 2nd Nuclear Test?
Officials see signs of upcoming nuclear test -- but also signs of nuke deal.
Oct. 9, 2008 -- Amid indications the United States is on the verge of a major agreement with North Korea that would take the Asian nation off a list of state sponsors of terror, U.S. intelligence has picked up signs that North Korea may be preparing for another nuclear test, sources say.
Satellite imagery over the past two weeks has picked up suspicious activity at a suspected nuclear test site, senior U.S. officials told ABC News. The activity includes tunneling and the movement of large cables -- the same type of activity detected before North Korea's nuclear test in October 2006.
U.S. officials are unsure whether North Korea would actually test another bomb or whether this is simply saber rattling -- or perhaps proton rattling -- designed to put pressure on the U.S. to cave in on the nuclear talks.
"They know we look at this stuff," said one senior official. "It is quite possible they are just screwing with us."
Another senior official said the moves are likely a "negotiating tactic ... they do want to do a deal."
And there are indications the United States and North Korea might be closer to a major deal.
Christopher Hill, the lead U.S. negotiator, returned from North Korea on Sunday, senior officials told ABC News, with an offer from North Korea on the issue that has deadlocked the talks: verification.
North Korea has already agreed to dismantle its nuclear program; but negotiators haven't been able to agree on how that would be verified. The United States has demanded wide access to North Korea's military installations, which North Korea has rejected.
The details of this latest offer are a tightly guarded secret. As of early today, only a handful of top officials had been briefed on the offer, including Secretary of State Condoleezza Rice, National Security Advisor Stephen Hadley and President Bush.
If there is to be a deal, it would come under extremely odd circumstances.
In addition to the signs of a possible nuclear test, today the International Atomic Energy Agency (IAEA) announced that North Korea had blocked its inspectors from its Yongbyon nuclear facility, the only nuclear facility that North Korea had allowed access to.
Additionally, North Korea has conducted missile tests this week and appears to be preparing to do more.
But perhaps in a sign that something is afoot, today Rice was asked about the North Korea's move to block IAEA inspectors and said only this: "Well, let's just wait and see over the next several days. We're reviewing the situation and I'm talking to my colleagues. And when we have an announcement, we'll have an announcement."


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Understanding how your pension benefits will be taxed is an important part of developing your retirement income plan. This article explains the main points that you need to think about. Remember, tax can be complicated - you should always get tailored advice from an expert before acting.
The tax treatment depends on the individual circumstances of each client and may be subject to change in future.
This information is based on our understanding of current taxation law and HMRC practice, which may change.


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Merge Sort in JavaScript
Merge sort is a great general purpose sorting algorithm. In fact some browsers have even used it for Array.prototype.sort(). It is comparison based and »
Merge sort is a great general purpose sorting algorithm. In fact some browsers have even used it for Array.prototype.sort(). It is comparison based and »
Quick sort is one of the more performant sorting algorithms, having an average complexity of O(n log n), though the worst case is still O( »
Insertion sort is another simple sorting algorithm, often taught initially with bubble sort and selection sort. I found this to be harder to conceptualize for some »
Selection sort is a basic sorting algorithm. It's an in-place comparison sort. It's generally considered to be not performant enough, but does have some use cases »
Bubble sort is one of the basic sorting algorithms. It gets its name because it bubbles up the values. It works by making passes through the »
Due to the ability to pass around functions as objects and the asynchronous nature of JavaScript, being able to extend and modify functions is an important »
Similar to a debounce function, throttle is used to limit how often a function can be called, though throttle is simpler to implement. It takes fn, »
Binary search is a great way to improve lookup time on a sorted data set. You can go from O(n) to O(log n), which »
A debounce function is a way to limit the rate at which a function can fire. This can be extremely useful for performance, especially on the »
Previously, we built a stack in JavaScript. We are going to extend that by solving a coding challenge. How do you track a max value using »


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Hello, hello. I promised a non-list post this week so a non-list post we shall have. I want to use my Folklore Thursday posts as a way to learn new things as well as a way to share things I already know and love. With that in mind, I've added a load of books to my wishlist but I couldn't resist buying a couple now.
I am now the proud owner of Favourite Folktales from around the World edited by Jane Yolen, part of the Pantheon Fairy Tale & Folklore Library – I am now collecting it. I want all of them.
Every so often I will be dipping into this (and any other) book of folktales and reading a story I'm unfamiliar with. My knowledge of folklore is actually quite limited and I want to fix that. This book is a general overview but they have other titles from specific countries and regions (I already own their Russian collection).
I picked a little Irish story, from the Ghosts and Revenants section of the book, named 'The Dream House'. The section's introduction calls it a 'delicious surprise' and it's not entirely wrong.
'The Dream House' is a tiny little tale which tells of a Mrs. Butler who sees a wonderful dream house when she sleeps. This becomes somewhat of a joke among her friends and eventually they stop talking about it altogether because it disturbs them. She and her husband decide to move to England because Ireland is going through a state of unrest, when they get to England they see many houses but none of them are to their liking. Until they visit a house in Hampshire. This house is the dream house and Mrs Butler knows everything about it, except one. A door has appeared. Since the asking price is so low and it is her dream house, they decide to buy it. It is only after they buy the house that they decide to question why it's so cheap. They are told the house is haunted… but not to worry, it's okay… MRS. BUTLER IS THE GHOST. What? I don't…
I'm not sure what I was expecting. It was in the ghost section of the book, of course there's a ghost somewhere. It caught me completely by surprise. I was fully invested in and expecting this to be a story about dreaming. So invested was I that I forgot which section of the book I was in. The story is literally eight paragraphs long. Eight. Eight, and I forgot where I was. Good job, E. Stellar work.
However, I'm not sure it truly is a ghost story. I do think it's a story about dreams. More specifically dreamwalking. I wonder if Samantha Shannon has read this story, considering her dreamwalking Irish protagonist. I think I shall ask, I am curious.
Though it's a traditional folktale (which has been made literary in André Maurois's short story 'The House') it reads like something a lot more modern. Perhaps, it is just because I am a modern human female creature and so naturally, my brain will force something modern onto something that's not. Or perhaps it's just the nature of folktales. I suppose I will see.
I always took folktales as stories which mean to teach something, not quite parables or fables, but as a vehicle for understanding (a lot of folktales deal with death, for example – more on that in a later entry) but this one doesn't. This one is just a little jaunt with an incredibly abrupt ending. We never do find out what that door is about. I am definitely going to have to read a few more Irish folktales to see if this abrupt ending is a trend or whether it's just this story.
It got me hooked, that's for sure.
Have you read 'The Dream House'? What did you think of it, if so? Is there a theme of abrupt endings in Irish folklore? We will find out. But not next week, next week I am sharing a film I love (which also happens to be Irish).
Happy Thursday!


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Excited students from Beechboro Christian School today presented 242 blankets to the Salvation Army as a part of their Winter Appeal.
The blankets were presented to Lieutenant Ben Hollis of the Salvation Army at a school assembly on 30 June.
Included in the 242 blankets were three blankets knitted by school students, including one knitted especially by a kindergarten class.
"I want to say thank you, not only from the Salvation Army but from the people who will receive these blankets", said Lt Hollis when addressing the students.
"I encourage you to continue to be generous and think about those less fortunate than yourselves," he said.
This is the second year that Beechboro Christian School has been involved with the Salvation Army's Winter Blanket Appeal, and is one of many community-oriented programs that the school operates.
The school also raised $400 for the Salvation Army through a sausage sizzle.
"It has been wonderful to see the genuine heart of our community for those in need and very powerful to see the 'hands-on' contributions from the children," said Beechboro Christian School Principal Mr Justin Krause.
"Initiatives like this winter blankets appeal, harmony day, compassion day and our regular Bennett Springs Fair remind our students that they are a part of a broader community and should work to support that community, particularly those in need.
"By encouraging our students to focus on others, our graduates will make a positive impact on the world around them", he said.
This story was covered in The Advocate newspaper on July 6 2017.


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Slack, HipChat and Fleep are just a few of the new crop of real-time messaging…
The Last Mile of Bandwidth Access: Creating a Failsafe Branch-to-Cloud SD-WAN
Not that long ago, your enterprise WAN traffic primarily flowed from your business' branches to its data center, or from one remote site to another. Then along came the cloud and, on its heels, a drastic change in traffic patterns as the volume of enterprise Internet traffic exploded, driven by digital transformation initiatives and migration of business-critical apps to hybrid-cloud architectures.
The cloud's effect on your WAN wasn't immediately apparent, as workers tried it out for file sharing and remote data access. But then they began adopting innovative, cloud-native SaaS apps, and IT began to relocate on-premises IT systems to the cloud, too. Many companies have re-architected key applications to take advantage of Platform-as-a-Service, which makes the ability to optimize application performance from the LAN to the WAN to the Cloud even more significant.
As the cloud's influence on the enterprise has grown, WAN performance often degrades. There's no tolerance for the trombone effect that can plague traffic traveling from branch to cloud over legacy WANs—possibly adding tens of milliseconds of access latency. And no IT budgets continually increase investments in high-bandwidth solutions. That's particularly a problem for those cloud-based services that are married to mission-critical applications, potentially resulting in an untenable user experience.
The situation won't get any better on its own, given the continuing expansion in the use of cloud apps. Cloud application services represent one of the largest segments in the global cloud services market: It's expected to grow 21.7 percent in 2016 to reach $38.9 billion, according to Gartner.
Indeed, most IT organizations aren't even fully aware of the scope of the issue they're already dealing with when it comes to the use of cloud apps, and the significant traffic influx they create. Enterprises are using 20 times more cloud apps than they track and monitor, according to the Shadow Data Report. Employees and business units are able to easily sign up for cloud apps on their own—all they need is an expense account, not IT's permission, which adds to unpredictable latency at the edge.
The Next Generation WAN for the Cloud
The foundation of cloud application transformation lies in embracing failsafe SD-WAN technology. A failsafe WAN frees businesses from having to rely solely on traditional high-bandwidth transport methods such as MPLS, so familiar to the legacy networking model of moving data between remote sites and an enterprise data center. The costs to grow MPLS links as mission-critical traffic to the cloud increases and as bandwidth demand spikes can become onerous. SD-WAN suits today's world by offering faster and more affordable options for companies to connect their various sites with the cloud.
WANs need to be more flexible, scalable and affordable, and connected directly to the cloud. Talari's Failsafe SD-WAN cloud solution, for example, provides adaptive, deterministic intelligent routing that makes it possible to match workloads between a company's branch offices and cloud instances to the best transport method, whether it's broadband or MPLS. Two or more links are aggregated to connect locations to the cloud, with each path constantly measured and assessed in each direction for availability and quality so that each packet travels down the best path.
Next-generation SD-WAN jacks up last-mile WAN performance and ensures that enough bandwidth is always in reserve for QoS-priority mission-critical apps. It maximizes application quality while also assuring rock-solid reliability, by automatically and instantly moving traffic to a higher-quality path in the event of any single network failure or problem, including congestion-based loss and latency increases.
A recent survey conducted by Talari reveals the importance of failsafe WANs that deliver superior business-critical application reliability and resiliency. The research found that more than a third of respondents had no outage tolerance, stating that "no downtime was acceptable." More than 25 percent said "only a couple seconds without a critical business app was acceptable."
Additionally, Talari provides manageability and visibility into cloud connections, extending the reach of the corporate WAN. Having granular visibility into all network activity and application performance, including branch-to-cloud traffic, improves IT's ability to manage resources. It can use that information, for example, to determine what policies to deploy to ensure that critical real-time cloud applications perform as robustly as required for all users, wherever they are.
Branch Sites See Cloud Connectivity Benefits with SD-WAN
Lextron, one of the largest distributors of animal health products in the country, simplified the management of its remote sites by moving to a private cloud infrastructure. But this came at the cost of using expensive private WAN connections between locations.
As Lextron introduced and expanded network services such as SharePoint and video conferencing, the pressure on available bandwidth grew. WAN optimization products wouldn't fix the problem, since they don't accelerate Lextron's VoIP and video conferencing traffic. The innovative solution deployed came in the form of Talari's Failsafe SD-WAN.
"Talari's SD-WAN technology allows us to direct each packet over the best, most reliable route, over multiple paths, whether those are private line, MPLS, DSL, cable modem or whatever," says Tim Hays, Lextron's director of IT. "With Talari's SD-WAN, I can reduce my dependence on expensive bandwidth at existing sites by using more Internet connectivity and immediately bring up new locations at much lower cost."
Learn More
Many businesses can enjoy the benefits of a reliable last mile for branch-to-cloud traffic flows. You can find out more out how to provide superior support for your branch infrastructure and enable the best-quality user experiences here.
Categories: Software Defined WAN (SD-WAN), Application Performance/Application Quality, IT Challenges, WAN to Cloud, Business Agility, Branch Connectivity
Tags: AWS, Cloud, WAN to Cloud, SD-WAN, network reliability, Azure, cloud networking, failsafe WAN, last mile


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Why hospitals' future will involve keeping people from showing up
The biggest challenge hospital operators face is how to keep people from showing up in the first place. That's the perspective of healthcare experts who spoke on healthcare at the World Economic Forum in Davos, Switzerland. Smartphones, wearable devices, along with time-honored anti-smoking and nutrition approaches are key to keeping hospitals from providing excess, unnecessary… Read More »


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It's or its?
Profile: Ivy Wigmore
Which is correct?
Augmented reality seems futuristic but ____ potential has begun to be realized.
a. its
b. it's
Answer: a
It's is always a contraction, standing for either it is or it has.
Craig S. Kaplan offers up a nice piece on this issue.
Follow us on Twitter @tao_of_grammar


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The little light fades the immense and diaphanous shadows, The air tastes good to my palate.
Comment on this poem, any poem, DayPoems, other poetry places or the art of poetry at DayPoems Feedback.
Ah the homeliest of them is beautiful to her.Partaker of influx and efflux I, extoller of hate and conciliation, Extoller of amies and those that sleep in each others' arms.Of the turbid pool that lies in the autumn forest, Of the moon that descends the steeps of the soughing twilight, Toss, sparkles of day and dusk-toss on the black stems that decay in the muck, registrierten Sexualstraftätern in 95127 Toss to the moaning gibberish of the dry limbs.List to the yarn, as my grandmother's father the sailor told it.The smoke of my own breath, Echoes, ripples, buzz'd whispers, love-root, silk-thread, crotch and vine, My respiration and inspiration, the beating of my heart, the passing of blood and air through my lungs, The sniff of green leaves and dry leaves, and of the shore.Who has done his day's work?30 All truths wait in all things, They neither hasten their own delivery nor resist it, They do not need the obstetric forceps of the surgeon, The insignificant is as big to me as any, (What is less or more than a touch?) Logic and.Now I see it is true, what I guess'd at, What I guess'd when I loaf'd on the grass, What I guess'd while I lay alone in my bed, And again as I walk'd the beach under the paling stars of the morning.I am given up by traitors, I talk wildly, I have lost my wits, I and nobody else am the greatest traitor, I went myself first to the headland, my own hands carried me there.Through me many long dumb voices, Voices of the interminable generations of prisoners and slaves, Voices of the diseas'd and despairing and of thieves and dwarfs, Voices of cycles of preparation and accretion, And of the threads that connect the stars, and of wombs and.Root of wash'd sweet-flag!Persia monir - mtt Tags: Cougar, Mature, Group Sex, Blonde Added:6 year(s) ago Duration:4:33 Brunette sex dating seiten forum and blonde milf sluts teasing a big guy and sucking.I depart as air, I shake my white locks at the runaway sun, I effuse my flesh in eddies, and drift it in lacy jags.Our foe was no sulk in his ship I tell you, (said he His was the surly English pluck, and there is no tougher or truer, and never was, and never will be; Along the lower'd eve he came horribly raking.Smile, for your lover comes.The sentries desert every other part of me, They have left me helpless to a red marauder, They all come to the headland to witness and assist against.


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All-natural, uncured pepperoni and our own homemade Italian sausage makes a meal out of our classic family recipe.
Try something different, use a charcoal grill or gas grill to prepare your pizza!
All natural, made from scratch, preservative-free, Og trans fat per serving
*Minimally processed, no artificial ingredients.
Contains Wheat and Milk


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The house where one of the world's most famous authors grew up is on the market.
The Ernest Hemingway Foundation of Oak Park put the author's boyhood home up for sale this month for $525,000.
The home, located at 600 N. Kenilworth in Oak Park, currently is being used as a three-unit apartment house. The foundation hopes a new owner can restore the home to its original, single-family style.
Hemingway's family moved into the house in 1906. The foundation said the Oak Park home was the one referenced in "A Farewell to Arms" and where Hemingway recovered from war wounds.
"The Foundation seeks a buyer who will appreciate the home's historic and literary value and treat the property accordingly," a statement reads on the foundation's website.
The foundation purchased the home in 2002 from a private owner.
Hemingway's Oak Park Childhood Home for Sale
The Ernest Hemingway Foundation of Oak Park purchased the home in 2002
The house where one of the world's most famous authors grew up is on the market.


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It's easy to fall behind where budgeting's concerned, especially in the weeks after Christmas when you're still paying for the fun and frivolity of the season.
Summer and the promise of a week by the beach is winking at you from the distance, but first you have to get through the slog that is spring.
That's why a UK debt charity is advising people to set a detailed household budget to help organise their finances.
According to a survey by StepChange, 21 million British adults don't have a household budget, while six million have a budget but don't manage to stick to it.
Making a detailed household budget is the first of seven steps the charity is suggesting as part of its Debt Awareness Week campaign, aimed at helping people regain control over their finances.
1. Get opening
If your bank statements are being used as coasters or gathering dust in the corner, the first thing you need to do is to start opening your letters.
According to StepChange's survey 13% of people don't open their bills straightaway. Of those who don't open their bills, 17% said it was because they were afraid of collections or enforcement action while 14% didn't want to know their financial position.
2. Prioritise payments
Make sure you prioritise essential bills like your mortgage or rent, council tax and energy bills first – the creditors shouting the loudest aren't necessarily the most important, reckons the charity.
3. Know your outgoings
According to the survey, 56% of people don't have a budget. Knowing where your money is going, whether it's on luxury crisps or big nights on the town, is the first step on the road to being financially aware.
Blogger Skint Dad, aka Ricky Willis, has spent the last few years sorting out his finances after realising he was in a sticky situation.
"When looking to improve your finances you first need to know where you stand. Spend some time working out what you've got coming in, what you've got going out and the total of any outstanding debt you may have," says Ricky.
"Once you have a complete picture of your finances you can then take steps to improve them."
4. Cut back
Thinking of ways to cut back on your outgoings and maximise your incomings is an effective way of regaining control of your finances. Small steps like taking lunch to work instead of buying a sandwich can make all the difference.
5. Seek advice
StepChange clients wait over a year between beginning to worry about their debt and seeking help. Getting advice and support as soon as possible will go towards improving your position straight away.
Ricky says: "From my own personal experience of being in debt, I found the most important thing is to admit you're in financial trouble.
"If you believe there isn't an issue and sugar-coat it with excuses, you'll never get anywhere and are only putting off the inevitable more serious issues down the line."
6. Don't resort to payday lenders
Digging yourself deeper into debt to solve money-flow issues is only going to make things worse in the long term – StepChange is calling for the government to suggest alternatives to payday lenders.
7. Stick to it
Don't be deterred if your new regime doesn't reap benefits immediately. Getting out of debt can be a long old slog, but stick to the above steps and in a few months you should feel in better shape financially.
Chief executive of StepChange Debt Charity Mike O'Connor, said: "Many people are living on the edge of their financial means and even a small reduction in income or increase in living costs can tip them into problem debt.
"It is crucial that people do not feel scared or embarrassed by having a money problem, but instead take positive steps to bring their finances under control. Problem debt can hit any of us and seeking free confidential advice as soon as possible is the start of getting back on your feet."
Ricky said: "Debt Awareness Week is a really important campaign. Not only does it highlight a serious issue but it gives people who're in debt reassurance that they're not suffering alone. It encourages people to seek out free debt advice and gives actionable steps to get them back on track with their finances."
Last week Gocompare.com hosted a Twitter chat with Skint Dad, discussing all things money – here are a few of the best tips that were tweeted during the night. Take a look at the #GoCoMoneyTalks hashtag to find more.


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While students will learn at different paces, we believe that true education is a matter of development over time and within a stable community. At Great Hearts we give our students individualized attention, but always within a common, one-track curriculum. Please explore our reading lists and curriculum sequences.
Want to learn more? Attend our Quarterly Keynotes.
How does Cicero stack up against other public, charter and private schools? Learn what sets Cicero apart. Visit us on youtube for a tour and a presentation on our high school curriculum.


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GOODFUNDSADVISOR has been in Equities for more than 28 years now. That rich experience is shown here in his insightful articles. However, we strongly suggest you to consult a Financial adviser. This blog is purely for information purposes only and we do not take any responsibility whatsoever as the blog content may be changed from time to time and is generic in nature.
Friday, October 30, 2009
Tata Indo-Global Infrastructure Fund has had a disastarous start and has ince inception given a Negative Return of Minus 13%. It has trailed its Benchmark both over a 1year Period and since its launch.
The Tata Indo Global Infrastructure Fund is a three year close ended equity scheme which will be automatically converted to an open ended scheme upon maturity.
The Fund invests between 65%-85% in Domestic Companies and between 15%-35% in Foreign Securities.
To reassure investors of this Fund, The Tata Mutual Fund recently sent this Letter to all its investors : -
Dear Investor,
At the outset, we wish to thank you for investing in the Tata Indo Global infrastructure Fund. As you are aware, the investment objective of Tata Indo Global Infrastructure Fund is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in infrastructure and infrastructure related sectors globally.
Stocks of infrastructure companies have underperformed significantly over the past few months due to a changing macroeconomic environment as well as the freeze on decisions on new projects due to the election code of conduct prior to the general elections. This led to some underperformance of the entire infrastructure sector. In the initial phase, Tata Indo Global Infrastructure Fund invested gradually in a rising market as it reached the peak. Hence the performance of the fund looks moderate.
One needs to judge the performance of this fund in light of one of the worst global economic meltdowns in recent history. India has been among the fortunate few countries which did not have to bear the full brunt of the meltdown. While leading economies of the world saw their economies shrink, the Indian economy merely witnessed a slow down.
Again in the economic recovery, the Indian economy would be among the first off the blocks. We have already started to see some of this play out. In this context if one were to study the performance of the Tata Indo Global Infrastructure Fund, it would get evident that the Indian portion of the scheme has outperformed the international portion.
It is getting evident from all the talks on �green shoots� that we are on the cusp of a global economic recovery as well. Therefore it is important for investors to wait as other global economies recover. As such the infrastructure sector holds tremendous potential not only in India but globally as well. Once global economies stabilize you would experience the benefits of diversification as well.
Thus the infrastructure story, and especially that of the Tata Indo-Global Infrastructure Fund (TIGIF), continues to look optimistic and one is advised to ride over the turbulent period by displaying patience and staying power.
Tata Mutual Fund.
While Infrastructure story still continues to remain attractive., the timing of the Fund was what made the Fund such a disaster.
Being a Close Ended Fund, it is better to stay invested. Moreover, the Infra story looks to see 'greener' day ahead.
Stay invested for now and take a call when the Fund becomes Open-ended.
Also visit http://equityadvise.blogspot.com
1 comment:
Hi Srikanth,ReplyDelete
I have been following your posts for quiet sometime and have found your advise to be of great value. I am looking to get some personalized advise from you to help plan my long term investments. Could you please let me know how I can send you what I am looking for and how much that advise would cost me. My email address is email@example.com
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DIWALI BONUS? use your Head not HEART !!!
Happy Diwali Friends, Its BONUS TIME ! Whether you are salaried person or self employed, Diwali is one festival where BONUS is assured. ...


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Imagine it's 1999, everyone's bright-eyed, with possibilities of a new millennium, and the glory it could bring. And now imagine being told that in a mere 18 years, The Terminator would transform into the governor of California, only to devolve back into an aging reality TV host, in a feud with a tabloid-obsessed billionaire, who himself became president only after he hosted said reality TV show.Â
A terrible idea for a novel, or a sci-fi satire, and yet, it's our current reality. Â
President Donald Trump and former California Governor Arnold Schwarzenegger have been locked in a strange feud over The Apprentice, the reality TV competition Trump hosted before dipping his toes into politics. Schwarzenegger then took the reins of the show after he ended his second term as the governor of California. And because Trump appears to need feuds like the average human requires water, Trump continually tweeted shots at Schwarzenegger's ratings, which he said were no good, very bad, not like the ratings of Trump, no. Read more…
More about Feud, Ratings, Twitter, The Apprentice, and Donald Trump


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COA's Charitable Involvement
In addition to a large number of community events, COA also supports these primary initiatives.
The Gordon and Patricia Gray Animal Welfare Foundation Is all about balancing humanity with nature. This is a foundation designed to help the many small independent groups pursue their goals. Charities are vetted VERY carefully and funds are ONLY directed to causes within which a large percentage of the money goes DIRECTLY to the front line. To read more about the foundation click here.
- You are a charity and would like to use some advertising space, click here.
- Information on designing for, printing for, and using COA's space, click here
Only some of the MANY, MANY charities, causes and events that COA has supported, and supports:
- The Durham Region mayors foundation for the philharmonic
- The Durham Region mayors annual golf tournament
- The Richmond Hill mayors annual golf classic
- The Latcham gallery in Stouffville, Ontario
- The Varley gallery in Markham, Ontario
- Big Brothers and Big Sisters
- Rouge Valley Ajax and Pickering - Mayors' Charity Golf Classic
- The Latcham Gallery's - Big Night Out
- The Frank Scarpitti - Harvest Classic Golf Tournament
- OLF - CTA & Central Golf Tournament
- Youth Hockey
- Whitchurch-Stouffville - 16th Annual Mayor's Charity Golf Tournament
- Richmond Hill - 20th Annual Mayor's Charity Golf Tournament
- Pickering's 9th Annual Easter Parade
- 2013 Durham Region - Mayors' Gala for the Philharmonic
- Youth Football
- Bradford West Gwillimbury Fire Department


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Our personalized door topper plaque is the perfect way to accent any doorway in your home. Beautifully handcrafted out of solid hardwood, these custom engraved wood plaques provide elegant decor to any home and also make the perfect personalized wood gift for any occasion. We offer our custom wood door toppers in 2 different sizes to fit any space. This personalized wood door topper plaque has a heavy duty metal hanger on the back for easy installation.
To create your custom engraved wooden sign, you must first select your wood type. You can also choose from our selectable images if you want to use any of them in the design of your plaque. Next, fill in any text that you would like to have engraved on your plaque in the text box above and select your favorite font from the list. Please use the Special Instructions box to inform us of any design details you wish to include. Lastly, choose the size plaque you would like. After your order is placed, we will send you a proof of your engraving design for your approval before creating your sign.


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Federal agencies teamed up on Tuesday to announce the arrest of a debt collector, accused of harassing consumers nationwide for debts they didn't owe, and for impersonating law enforcement.
John Todd Williams and six employees are accused of running a $4.1 million debt collection practice that targeted victims in Illinois, Indiana and across the country. Under federal law debt collector s are barred from harassing consumers with repeated calls or threats.
Officials say the debt collectors would read from scripts to threaten people with lines like this:
Victim: "Ok, at this moment right now I am not working"
Debt Collector : "Well, see with that being said I would have no choice but to forward it to Los Angeles County. However Los Angeles County will issue you with a warrant for your arrest. It will be for depository check fraud as well as theft by deception."
"Now, after years of falsely threatening arrest, these defendants are the ones who now find themselves in handcuffs, facing the loss of their own liberty," said U.S. Attorney Preet Bharara at a news conference in New York.
The same type of alleged bullying behavior was uncovered by NBC 5 Investigates on a Chicago-area debt collector last week. So similar, Bharara included NBC 5 Investigates in his remarks.
"We also urge whistleblowers to come forward as did one by the way who went to the media last week in Chicago, apparently fed up with the way her company was collecting supposed debts as shown on NBC 5 in Chicago," Bharara said.
The arrests are the result of an investigation by the FBI, the U.S. Attorney's Office, the Federal Trade Commission and the Consumer Financial Protection Bureau.


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Jinsoo H. Kim
Ms. Kim is a partner in Davis Polk's Corporate Department, practicing in the Finance Group. She represents lenders and borrowers in secured and unsecured financings on a wide range of domestic and international corporate finance transactions. She concentrates in secured acquisition and other leveraged financings, workouts and debt restructurings.
Work Highlights
Lender Representations
- $4.4 billion financing for Fidelity National Information Services' acquisition of Metavante Corporation
- $1.225 billion leveraged financing for Huntington Ingalls Industries' spinoff from Northrop Grumman
- $1.6 billion senior secured credit facilities for Black Knight InfoServ, LLC.
- $1.2 billion leveraged financing for Lender Processing Services
- $820 million financing for Bain Capital's acquisition of Gymboree Corporation
- $750 million financing for National Amusements' out-of-court restructuring
- $680 million financing for Spectrum Brands' acquisition of Russell Hobbs
- $670 million senior secured credit financing provided for the leveraged buyout of TGI Fridays Inc. by Sentinel Capital Partners LLC
Borrower Representations
- $2.5 billion senior secured exit financing for Delta Air Lines
- $11 billion senior secured financing for Freeport-McMoran Copper & Gold's acquisition of Phelps Dodge
Ms. Kim has been recognized for her work in the legal industry:
- IFLR1000 – Banking (US)
Professional History
- Partner, 2007-present
- Associate, 1995-2007


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Prairie Dogs;
We're back in Nashville this weekend for two nights - Friday at the Grand Ole Opry and Saturday at the City Winery. Our good friend and former bandmate Gary Burr and his extremely talented wife Georgia Middleman (both of the Blue Sky Riders, with Kenny Loggins) will be opening the show and joining PPL onstage. We're looking forward to two great nights. It's a great way to kick off our Spring 2015 tour schedule !


text: Stories Dorothy - Supported Carer Dorothy is the 90 year old wife of one of our life members and an ex-Civil Servant, Stanley. Also 90 years old, Stanley requires full time care which Dorothy lovingly gives him. Carer Support Last year, Dorothy responded to an email we sent expressing interest in our 'Carer's Support Scheme' Pilot. One of the aims of this pilot was to provide respite days to carer's in our communities, and we were delighted to be able to provide Dorothy with vouchers for a trip she chose to the local zoo. After the trip, which she managed to redeem at a time when her son, his wife and her young grandson were visiting from their home in Spain, she kindly sent us a letter thanking us for helping make this trip happen. What they did Dorothy specifically chose to take them to one of her favourite spots, Port Lympne in Kent. She told us she has always enjoyed visiting this particular zoo because 'the animals are so well cared for, the gardens beautiful and the views over the Romney Marsh are quite breath-taking'. A highlight of this visit for Dorothy was that the were allowed to see a mural painted by Rex Whistler, which visitors are not always able to see. Dorothy has spent much of her life as an amateur painter, so we were so glad to hear about that extra treat that helped make the day so special. Sadly for Dorothy, she did write in her letter that she wished she did not have to leave her husband behind of course – however that he preferred to snooze in his chair anyway! What it meant She ended the letter by kindly saying 'this was a day we will all remember, but it was special for me. Once again - a very big thank you'. We were so glad we were able to help Dorothy and her family experience this day together. If you'd like to find out how you can help support our services, or volunteer with us in any way - please do get in touch


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Currently Not Available
Pre-order Autumn/Winter 17 - Be the first! (Click here to pre-order)
Geometric patchwork and silver nailheads give this mid heel pump a chic edge, paring classic sophistication with punk inspired rebellion. Simply irresistible in Black nappa combined with pin-dot and black suede toe cap.
Style No. TB-201


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SOUTH BERWICK, Maine — Concerns about fireworks highlighted Tuesday's regular meeting of the Town Council.
SOUTH BERWICK, Maine — Concerns about fireworks highlighted Tuesday's regular meeting of the Town Council.
During public comment, Academy Street resident Scott Landis addressed council members about what he described as "issues we've had with the use of fireworks in town."
"Since they were legalized in Maine last year, there has been significant use of fireworks throughout the summer season — sometimes up to 11:30 at night," Landis said.
During the recent Fourth of July holiday, Landis said, he and his family "tried to be outside but it felt like a war zone. We had no choice but to go inside."
Landis requested that the council adopt "some type of ordinance that would allow appropriate use of fireworks within reasonable limits."
In response, Town Council Chairman Gerald MacPherson informed Landis that "there has been some discussion among the council about the discharge of fireworks" within town.
"You will probably see the council address this issue with some type of regulation for use of fireworks," MacPherson said.
Meanwhile, Councilor Jack Kareckas asked, "Would you say fireworks are impacting on your quality of life?"
"Absolutely," responded Landis. "I've said to my family that we can't live in a war zone."
Resident Linda Becker agreed with such sentiments. Extensive use of fireworks, she said, "is very invasive."
"During the Fourth of July, we were starting to wonder if every other town in the area was bringing their fireworks to South Berwick," she said.
The council also heard from Dylan Cookson, a veteran community leader with the Maine Conservation Corps. Cookson asked the council's assistance in the recruitment of volunteers to undertake maintenance and improvements to Vaughan Woods State Park in town.
Among the needs cited were removal of felled hazardous trees along trails, the removal of invasive plants, and repairs to foot bridges throughout the park.
The council agreed to post the appeal for volunteers on the town Web site. In addition, suggestions were made for Cookson to contact the school district.
"Your project is ideal for students needing to fulfill their community service requirement," said Councilor Jean Demetracopoulos.
In addition, Councilor Russell Abell indicated that he would speak to members of Boy Scout Troop 338, of which he will soon become troop leader, about the volunteer opportunities.
Those interested in assisting with the Vaughan Woods State Park project may call Cookson at (207) 416-4952 or e-mail firstname.lastname@example.com.
In other news, resident Linda Becker detailed progress being made on development of a town welcome sign for motorists heading north into South Berwick via Route 236.
Also, Town Manager Perry Ellsworth listed several projects that he indicated will "wrap up construction" of the new South Berwick Public Library.
These projects will include a tune-up of the library's geothermal heating and cooling system, the installation of solar panels on the library roof, and upgrades to the library's steeple. The projects will be completed by late October or early November, Ellsworth said.


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Arden, Enoch
Arden, Enoch
shipwrecked sailor; lost for eleven years. [Br. Lit.: "Enoch Arden" in Benét, 316]
See: Castaway
Arden, Enoch
missing for many years after being shipwrecked, returns to find his wife remarried. [Br. Poetry: "Enoch Arden"]
See: Disappearance
Arden, Enoch
returned castaway; keeps identity secret from wife to preserve her "new life" happiness. [Br. Lit.: Enoch Arden]
See: Unselfishness


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Cost of Monticello
No one so far has managed to calculate the cost of Monticello with any degree of accuracy. However, the following are several dollar figures that we do know:
- Jefferson estimated the value of the house and outbuildings for insurance purposes in 1800 at $6300.[1]
- In his accounting of building costs for the period of 4 March 1801 to 4 March 1802 (including workmen's salaries, building materials, and other miscellaneous items), Jefferson noted a total of $2076.29.[2] He calculated his building costs for the following 12-month period to be $3587.92.[3]
Taking the figure of $3587.92, just as an example, and multiplying that by the number of years it took to complete Monticello (28), the total would be $100,461.76. However, there are many variables unaccounted for in this calculation and thus it likely only represents a fraction of the true cost of constructing Monticello. For example, some of the building materials were purchased, and some were made by hand at Monticello; some materials and labor were not paid for with cash but were bartered; and the cost of food, clothing and housing for enslaved workers is not factored into Jefferson's yearly estimates, either. A thorough examination of Jefferson's Memorandum Books might yield a more accurate estimate than the one above, but could probably not ever be considered a definitive figure.
Translating such a figure into today's money adds another layer of complication to this question. There is no easy way to do this, although there are sources that can serve as a guide in making the attempt (see Further Sources below).
Further Sources
- McCusker, John J. How Much is That in Real Money?: a Historical Commodity Price Index for Use as a Deflator of Money Values in the Economy of the United States. Worcester, MA: American Antiquarian Society, 2001.


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Hidayah, Luluk (2008) PENGARUH TERPAAN TAYANGAN IKLAN SAMPOERNA A MILD VERSI PELANGGARAN LALU LINTAS TERHADAP KETAATAN BERLALU LINTAS MAHASISWA( Studi Pada Mahasiswa Komunikasi Anggkatan 2004 UMM ). Other thesis, University of Muhammadiyah Malang.
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So far we have already been introduced to law awareness. In its reality, the problem of law awareness in Indonesia is considered low in terms of its application. Law awareness is not done as what the society wish. There are many kinds of phenomena that we can have for example on the behavior on the highway. As a simple example can be seen from highway users who get tickets just because they are very careless and do not obey the traffic regulation. This phenomenon shows how insufficient the law awareness the society has. Moreover, this is somewhat terrible when some people say that "a rule exists to be broken". Believe or not, it needs some special attention especially the policeman department who is responsible for taking care of the traffic safety. Apart from the effort to make the people aware of the traffic rule, the terrible condition of Indonesian's traffic then also attract the attention from the advertisement maker in making such influential advertisement so that it will attract the people's attention. This is like what has been done by production house managing the advertisement of " A mild Sampoerna in giving messages to traffic users to obey the traffic regulations whether or not there is policeman around. The different perception on what readers or people have on this advertisement will give different reactions and responses in which it is different from one person to another. In this case, the research problem of this study is "Is there any effect created by Sampoerna advertisement exposure " a mild on the behavior of highway traffic disobedience version on the behavior of students' obedience on the highway? This study aims at finding out the effect of Sampoerna advertisement exposure " a mild on the behavior of highway traffic disobedience version on the behavior of students' of University of Muhammadiyah Malang obedience on the highway. Based on the opinion stated by Kasali (2003;9), advertisement is a mass communicative activity that is sending the messages that deals with certain products by persuasive methods containingmessages and motivation addressed to the society aiming at influencing the society to give responses the advertiser wants, like what the awareness on the brand as real response in which the commercial advertisement looks for or on the implementation of certain behavior in which the advertisement tries to be on its social function. The success of an advertisement on its audience can not be separated from the advertisement media. One of them is television. Shimp (2003;18) says that television as an advertisement media has an ability to create the desired effect of that advertisement that is by activating its consumers awareness in this case activating the audience's ability to receive messages. This is in line with the effect desired by Sampoerna A mild advertisement. Advertisement as a form of communication must be arranged based on communication principles AIDDA so that it results in communicative and persuasive advertisements. The theory of AIDDA involves: Attention, Interest, Desire, Decision, Action. This study uses a quantitative method by using explanatory type to find out the respondents answers on the exposure of Samporna A mild on highway traffic disobedience on the obedience of students behavior on the street by using questionnaire. The analysis used is simple linear regression. The hypothesis testing is done by using F testing by comparing the value of F count to F Table. Based on the calculation of simple linear regression, we get F count (239,07) > from its F table (3,98) so that it can be aid that the television advertisement exposure of Samporna A mild on the behavior of highway traffic disobedience version significantly affect the behavior of students' obedience on the highway . Meanwhile, to find out the number of significance is given by using R Square (Determinant coefficient) about 70%. From that number, it means that the students' obedience on the highway is affected by Sampoerna A Mild advertisement exposure about 70.9%. from the result of this study, it can be said that the contribution of this study suggest the production house managing Sampoerna A mild advertisement can improve its creativity in creating another advertisement of SampoernA mild a. This happens since students have already known Samporna A mild advertisement as on of the advertisement on social function. In this way, the other advertisement of this version will be given full attention by the audiences. In the same way, it will give an impression that Sampoerna A mild also care on the social phenomena happens in the societ.
|Item Type:
|Thesis (Other)
|H Social Sciences > H Social Sciences (General)
|Faculty of Social and Political Science > Department of Communication Science (70201)
|Depositing User:
|Anggit Aldila
|Date Deposited:
|08 May 2012 03:17
|Last Modified:
|08 May 2012 03:17
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Imaginary Friend
My name is Monica and I have an imaginary friend. I'm 16 and I've always had one. I thought I would grow out of it, but somehow I can't. Sometimes, I can't wait to be alone so I can talk to him. I can stay up all night just talking and talking. I even tell him about my day when I get home from school. I just don't understand. I have friends, so I'm not exactly lonely. I wish I could grow out of this phase...
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The Stupendous Splendiferous Butterup is designed to spread butter (especially cold butter) more evenly on your bread. You can kickstart the project at the link below, but considering their goals have already been exceeded nearly ten-fold, you're probably going to see this puppy on store shelves soon.
- Reposted by


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hi, i know that this is not the right place for this thread, so
forgive me
i would really like to start with fuzzy logic, does anyone knows
a book for begginers?
i know C/C++, assembly for 8086, assembly for z80. are these
enough for getting me start with fuzzy logic?


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Even as an author, you're still considered a small business and some of these tips were awesome to work with to increase book sales over the next couple of months.
I always keep an open mind and try to find other ways to sell books.
Check these out and see how you use them and then come back and share what you did! We'd love to know!
Black Friday is one of the biggest shopping days of the year, so you'll want to make sure your small business is able to take advantage of the holiday and bring in lots of customers. This article was written by Gillian Kruse of Examiner.com for CBS Small Business Pulse.
via [INFOGRAPHIC] Small Business Sales Tips For A Banner Black Friday — CBS Detroit


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Of course I remember the moment you were born, how could I ever forget it? But, to be perfectly honest, I don't really feel like the moment you were born was the moment I first met you, if that makes any sense at all. The moment you were born the room was filled with a whole bunch of people, even more than usual perhaps, because you were being somewhat stubborn about your entry into the world. I now know it was just a sign of things to come, that stubborn personality of yours that you inherited directly from me.
The room was filled with people and machines and lights and it just felt very busy. They put you on my chest and I cried and your dad cried and we took pictures and they did all the things they have to do with you right in the beginning. I remember feeling like I was in a daze, not sure what was going on but sure that I was supposed to be remembering it all, taking it all in, so I could tell you about it one day.
The first few hours were all about letting everyone know about you, that you had arrived, safe and sound, that you were a perfect little girl and the name we had given you. It was about trying to track down your grandfather at the airport after a frantic, red-eye flight in from the West Coast when you decided to come just a little bit earlier than expected. It was about everyone else getting to see you and kiss you and hold you, and I sort of felt as though I was at a distance.
Then they wheeled us into what would be our room for the next 24 hours and suddenly we were all alone, you and I. I remember all of a sudden it seemed so quiet and so still and you looked so small wrapped up in that blanket with only your face showing. I gingerly propped myself up on the pillow, easier said than done now that the medication was wearing off, and pulled your bassinet closer to the bed so I could reach you.
I kept expecting someone to come in and tell me I wasn't allowed. That I wasn't allowed to take you out of there, that I wasn't allowed to touch you, but then I realized that I was allowed, that you were mine and I was yours. It seemed to take me hours to get you out of there, between my sore body and your seeming fragility I moved about one inch every minute, so afraid something would happen to you. Finally I pulled you in close and lifted my feet back on the bed, laying back on the pillow and feeling the full weight of you in my arms for the very first time.
I gently unwrapped the blanket, it suddenly seemed very important that I look at all of you, not just your tiny face. I looked at your toes, your feet and legs still curled up so tight. I ran my fingers along your chest, feeling your heart beat under my hand for the first time. I held your fingers, examined your tiny finger nails and pulled off your hat to see all of your beautiful dark hair.
And it was there, in those five minutes, hours and hours after you actually entered the world that I felt like you and I met for the first time. There in the silence of the hospital room while the world continued on just on the other side of a thin curtain, you were now all that mattered. A little piece of me and a little piece of your dad and a whole lot of the amazing person you were going to become.
It's now ten years later. I don't know how it's happened but it has, and you are now so far from that little baby that I can hardly understand you are the same person. But then I look into those huge brown eyes and run my fingers through your thick brown hair and I'm taken back to that room, in that bed, when it was just you and I. I had absolutely no idea what I was doing, or how I ever got lucky enough to become your mom, and ten years later I feel essentially the same way.
And while the first ten years seemed to be very much about keeping you safe and teaching you some of the things you need to know, I kind of feel like the next ten are going to be more about me getting out of your way. Me realizing that you are very much your own person now and it's time for me to do less teaching and more watching, less directing and more appreciating, less questioning and more understanding.
We somehow managed to make it to this point, although I definitely had my doubts some days. It's a good thing you finally learned how to sleep for longer than 20 minutes at a time or I'm not so sure either one of us would still be here! Between then and now there have been a million moments that I wish I could remember. I wish I could pull them out of my pocket one at a time and examine them in my arms, like I did with you on your very first day.
But because I can't, I will just take a moment to cherish you, as you are now, and for all of the million moments you have given me since that very first one.
I can only hope that the next million are going to be just as amazing.
Happy birthday baby girl.