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Traditionally, the biggest provider of capital to the shipping industry has been shipping banks; European banks in particular have built upon long practices, relationships and core competencies over decades of lending to ship owners.
The Royal Bank of Scotland (RBS), HSBC and Lloyds TSB in the U.K. were the prime bankers to the shipping industry, while Nord LB, HSH Nordbank, Commerzbank and Deutsche Schiffahrts were the dominating lending names out of Germany.
Shipping banks in Scandinavia, Greece, France and Italy have also been instrumental at funding the shipping industry for several of the past decades. Independent ship owners with good track-records of performing on their shipping loans had typically few difficulties over the cycle to borrow and expand their fleets.
Since the financial crisis in 2008, many exogenous events have affected the banking industry as a result of titanic losses generated during the good years, and the ensuing crystallization that banks have a much bigger relevance for society than many other industries.
The realization by 'Main Street' that banks are too important to be left to their own devices has brought, in turn, political and regulatory ire upon them. Just trying to quantify and put into perspective the state of the shipping lending market gives pause for thought. It has been estimated that shipping banks have had close to $100 billion of non-performing shipping loans out of a total shipping loan portfolio of $500 billion.
Based on such hard-to-justify figures, shipping banks have come to the conclusion that shipping may not be an 'average' industry after all. Cashflows from the freight market resemble the choppy North Atlantic Ocean in the winter and are certain to generate bad loans over the course of a business cycle.
All of the banks mentioned above have either already sold a substantial portion of their shipping portfolios or they are actively exiting the shipping industry by not originating new loans, not rolling over performing maturing loans, and offering to sell their loans at a discount back to their debtors.
When one or two banks opt to re-prioritize the importance of an industry, the result can be bearable, even insignificant; however, when the prime movers are exiting en mass, the action can resemble an elephant stampede.
To the dismay of many vulture funds, the elephant stampede never materialized in the form of 'fire sales' as the banks have been mindful of drastic moves that could further materially affect inversely their portfolios. On the other hand, the steady march of shipping banks away from shipping, has undoubtedly created a funding vacuum that many an entrepreneur have dreamt of benefiting from.
The effects of the funding gap are reflected in many aspects of the industry. Asset prices for ships have been less volatile and less correlated with the freight market; in the past, robust bursts to the upside in the freight market would lead to equally robust improvements in asset prices in the same direction with only a lag of a couple of weeks. Nowadays, many analysts are wondering what happened to tanker prices that have not budged even though average tanker freight rates more than doubled since last year.
Another indication of the funding gap in shipping is the age of vessels sold in the secondary market, and relative values along the age profile curve of certain vessel types. Ship owners with access to the capital markets prefer buying brand-new ships, while owners with cash but no access to debt opt to buy older vessels, fifteen years and older, as these vessels are valued almost at scrap and their purchase price is a small number in absolute terms.
There is a so-called 'smile' in the asset pricing curve, as vessels in the middle of their economic life, around ten years, are not 'bankable'. Any bank still active in shipping definitely prefers lending against vessels that are not older than five years.
As a result the action is concentrated at the two ends of the spectrum of the smiling curve while the middle is lacking in activity.
The lack of debt financing in the shipping industry has acted attracted several institutional investors that aim to fill the lending 'need'. These 'credit funds' finance the industry via credit and lending, more or less in the same way that a lending bank could have done. However, institutional investors are not exactly banks (in terms of having a banking charter, funding, cost of funding etc) and accordingly credit funds have to have a business model modified to best suit their own capital structure and risk profile.
First, the cost of capital for credit funds is much higher than that of banks. Banks are typically funded by customer deposits at a low cost of capital which is highly related to the official interest rates set by the corresponding central bank. Credit funds on the other hand are funded by institutional investors, private equity, endowments and family offices and their return expectations are significantly higher, even for investments with low risk profiles.
Accordingly, although credit funds have a strong interest in exploiting the funding gap created by the banks, they cannot exactly fulfill a bank's role because of their return expectations.
Another major difference between banks and aspiring credit funds is the risk profile each is capable of handling. Banks as creditors are by nature very risk averse and preservation of capital is of paramount importance.
Depending on the prevailing reserve ratio, banks are by definition levered multiple times. Thus even a small loss of capital can translate into big losses for the equity holders. Institutional investors, in turn, naturally despise loss of capital invested, but they are better suited for undertaking risk and eventually handling risk.
Accordingly, credit funds can chase lending projects of higher risk in exchange of higher reward, since they can better tolerate a loss of capital and chasing credit projects of higher reward dovetails well with their higher cost of capital.
While banks are heavily regulated and can only underwrite credit risk within the regulatory environment, credit funds are largely non-regulated financial entities that theoretically can underwrite as risky credit projects as they wish, in terms of leverage, age of vessel, consideration for residual risk, possibly sovereign risk, etc.
For banks, each element of the transaction that dials-up risk translates into higher reserves, which in turn decrease return on equity, in a cycle that curtails the appetite for risk. For unencumbered credit funds not bound by banking regulations, riskier credit theoretically results in higher returns.
Another aspect of the regulatory environment for banks is that the only product they can offer is to extend credit in the form of a loan, while credit funds can effectively extend credit under many guises such as mezzanine financing, second lien financing, preferred equity (with preferred return on the 'loan') or convertible (whereby the loan can convert to equity under certain circumstances).
Credit funds in theory can have much greater flexibility to participate in the non-equity part of the capital structure, while banks can only be in the pure debt of the capital structure.
Although the weak freight environment is still marred by many legacy transactions, including loans that are under water, ship owners running out of working capital or owners in need of funding for drydocking and other unforeseen expenses, it seems that credit funds should have a ripe environment for selecting projects to extend credit to.
There have been several efforts by institutional investors to enter the debt market for shipping. The most visible among them have been KKR's Maritime Finance Company based in Bermuda and Bridgewater in the U.K.
An interesting case has also been Maritime & Merchant Bank in the U.K., backed by a group of former shipping bank officers, which is seeking to obtain a banking license in order to be able to have access to the inter-banking system and wholesale deposits.
In a similar and equally interesting development, the private and typically secretive Berenberg Bank has been fronting institutional investors looking for a platform to lend to the shipping industry. Besides these well publicized credit funds, there have been many more efforts on a more selective, discreet and opportunistic basis, including efforts to set publicly traded vehicles such as Business Development Companies (BDCs) in the U.S.
Although Maritime Finance Company and Bridgewater are already well funded, Maritime & Merchant is experiencing difficulties raising funding and obtaining their banking license, whereas Berenberg Bank is well short of its ambitious $1 billion funding goal.
In theory, credit funds should make an ideal credit investor for shipping given the present state of the market and the lack of lending capacity from traditional banks; the fact that credit funds can be more flexible given lack of regulation for them would imply an even greater rate of success for sourcing suitable investments.
Empirical evidence suggests that very few credit funds have been managing sufficient credit opportunities in shipping. Based on our own experience, we typically see that credit funds have been looking for too high returns given the level of risk which they are prepared to undertake.
Surprisingly, credit funds do not seem too keen to be flexible, and often end up looking for pure credit products at low double-digit returns, a rather usurious expectation, especially given that the freight market cannot support such a high hurdle.
Only a limited number of transactions have taken place in the primary market and some of the credit funds have been looking in the secondary market at shipping loan portfolios that can be acquired at a discount and likely to be able to satisfy the high return hurdle.
Given that banks most likely will stay out of shipping for the long term, credit funds will have fair prospects going forward.
As long interest rates remain at historically manageable levels and banks keep shying away from shipping, there is little alternative to sourcing debt for the owners lacking a corporate balance sheet. However, present aspirations and expectations will have to be modified if credit funds were to have realistic prospects of lending to the shipping industry.
1 http://www.compasscayman.com/cfr/2014/10/31/A-changing-seascape-in-shipping-finance-and-the-capital-structure-of-vessel-ownership/


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tinyFISH FC – a first test with betaflight
I just finished a first port of betaflight – yay! (if you are wondering what a tinyFISH fc is, please have a look at the project page) The board shown here has not all components mounted yet and the black pinheader is just for debugging, it will be removed in the future. Currently working: gyro/accelerometer… Read More »

subset: commoncrawl


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THE SAX GUY, Cocktail Hour Specialist
THE SAX GUY, Cocktail Hour Specialist
NOTHING ELEVATES A CELEBRATION like "LIVE MUSIC", so let this Cocktail Hour Specialist -- "THE SAX GUY", MARK ARMSTRONG -- kick off your WEDDING DAY COCKTAIL HOUR in STYLE!
** Whether you're planning to have a DJ or band carry the rest of the evening, YOUR COCKTAIL HOUR is the first event after you've taken your vows, so make it a time for ALL to remember!
* Responsive, respectful service -- from start to finish!
* Classic R&B, MOTOWN, Pop and Smooth Jazz songs -- featuring "LIVE" Alto & Tenor saxophone performances by "THE SAX GUY"
* Competitive pricing.
THE SAX GUY" has performed with some of the best MOTOWN, R&B and Smooth Jazz bands in the business.
FILL OUT THE "CONTACT THIS VENDOR" form on this page for more information and pricing.
Indianapolis , Indiana
to Add This vendor to Your Favorites


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Let me share my recent experience in Japan that made me think of this question.
If you've ever been there, you know that people are trendy and though there are some "interesting" personal fashion going on, they also have a lot of pretty stuff everywhere you go. It's also easy to tell what is currently in fashion as the similar-looking style of clothing is at every store.
It was apparent that fluffy sweaters were in fashion this past winter. I wanted one. I tried on a bunch. Didn't get any. You know why?
Because I looked like an overly-padded, chubby football player ready to be tackled.
As the owners of small boobs, we can (or I used to be able to) pretty much look sexy and slender in most types of clothing without much effort. Fluffy sweaters? No problem! Fluff it up even more, and we could look cute and cuddly!
You can probably imagine my devastation when none of those sweaters looked good on me as a result of my breasts growth.
What I realized from this is that when we finally get those big boobs we always longed for, we will be faced with a whole new set of problems and concerns that we've never imagined.
Will you be ready to solve these problems then?
The answer to this lies in how you are currently dealing with your small breasts, and what you are doing to grow bigger breasts.
Stay positive? Definitely!
Love your own body? ALWAYS!
Neither positive nor love your body? Sorry to say this, but you're not ready to have bigger breasts yet, because even when you do, you will still be unhappy with who and how you are for different reasons. :(
But I'm happy to say that the solution to this is super easy: stay positive and love your own body. Nothing else!


text: Welcome to the website for Land Lines, a research project exploring British nature writing from the late eighteenth century to the present. The project is a collaboration between researchers from the Universities of Leeds, Sussex and St Andrews, and will involve various public events, including a museum exhibition, public talks, schools and a family fun day. This website will act as an information hub for activities relating to the project. Landlines is funded by the Arts and Humanities Research Council.


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Does anyone else use Robinhood for casual (or not so casual) trading?
I've been using it for a little while now - I don't have a ton of experience, I've never used E-Trade or anything else, but so far I'm enjoying it. It's clean, intuitive, and I had no trouble getting things set up.


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CoQ10 Plus contains powerful, targeted ingredients, including super antioxidants, minerals and amino acids, to assist in the enhancement and restoration of the functional capability of mitochondria.*
Apply patch daily to an area with little or no hair, i.e., shoulder, back or hip. For best results, it is recommended to wear PatchMD patches for 8 hours. There is no additional benefit wearing the patch longer than 8 hours. Patches can be worn during sleep. Avoid using any lotion or cream in the same area as it will inhibit absorption. Patch is not waterproof. It is ok to wear multiple patches at a time.
PatchMD products are Latex, Lactose., Gluten and Sugar-free
ALL PATCH ORDERS INCLUDE 30 PATCHES (30-DAY SUPPLY) and 100% Moneyback Guarantee
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.
Please see our Frequently Asked Questions for answers to commonly asked questions about our PatchMD topical patches.
"PatchMd is absolutely superior to other modes of delivery of vitamin and nutritional supplements... Lots of people do not want to take the large amount of pills that would be required to take the identical dose that is delivered by the patch"
I have dealt with brain fog on and off for the past year or so. I decided to try one of these patches to see if It would help and it has made a huge difference for me! I used to only use them on the days when the brain fog was at it's worse but now I wear them daily.
Reviewed by: Melanie from Washington State.
- 2/8/2018
If the shipping was improved and I actually got my vitamins when they say they are delivered this would be 5 stars.
Reviewed by: Katherine T. from USA.
- 4/3/2017
My father had surgery for oral cancer and currently has a g-tube. The CoQ10 patch was a great option for him to take the supplements he usually does without having to swallow them! Great product find for our family!
Reviewed by: Morine B from USA.
- 1/12/2017
The patch for Co Q 10, is simple to use and sure beats taking pills. Love the ease and boost of the patch.
Reviewed by: Dorothy Lankford from USA.
- 9/12/2016
I am very excited about the patch method because its the best delivery of vitamins over taking pills. Thank you for making these excellent CoQ10 and other products.
Reviewed by: Sam Giamanco from USA.
- 9/8/2016
We are so confident that our products are superior to any other on the market we are willing to offer them to you completely risk free
Our Customers LOVE our topical vitamin patches for the ease of use and amazing RESULTS as shown from their bloodwork and testimonials.
We are so sure you will agree that our product is the best on the market that we are more than happy to return your order within 30 days for a 100% refund.


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Recent Events
Reading from a Memoir-in-Progress
Amy Agigian discussed and read from her memoir-in-progress, The First House: A Memoir of Mom, Berkeley, and Beyond, Thursday, April 21, from 1:00 p.m.-2:15 p.m., in the Poetry Center in Suffolk's Sawyer Library. This was part of the Library's Speaker Series.
Women's Writing Circles, April 12 and May 3
Jennifer Minotti, our Visiting Artist, facilitated four free Women's Writing Circles this year. Gathering in circle, women wrote from creative prompts as an entry point to explore emotions, themes, personal histories, shared truths, joy, grief, shame, and those things that matter most to us in our hearts. They then shared and listened, inviting each participant to be courageous, vulnerable and compassionate truth-tellers and witnesses to others' personal stories. This type of no-pressure, expressive writing process holds many benefits for the individual and the group. Women of all ages, races, genders, sexual orientations, and other differences were welcomed.
International Women's Day Event
March 28, 2:30 p.m.-3:45 p.m., Amenities Conference Room, 73 Tremont Street, Boston, MA
Dr. Connie Chow, Visiting Social Entrepreneur at the Center for Women's Health and Human Rights, discussed her work incorporating STEM for school age girls in Ghana. We also introduced our student group, The Women's Health and Empowerment Network! Please see our flyer here.
Menstrual Health and Reproductive Justice: Human Rights across the Lifespan: June 4-6, Boston, Massachusetts
Experts from around the world traveled to Boston in June 2015, to attend Menstrual Health and Reproductive Justice: Human Rights Across the Lifespan, the 21st biennial conference of the Society for Menstrual Cycle Research. The conference brought together researchers, clinicians, artists, performers, educators, policy analysts, and social entrepreneurs to explore how menstrual health is central to women's ability to lead lives of dignity and well-being in every society in every part of the world.
The conference took place at The Center for Women's Health and Human Rights, Suffolk University, Boston, on June 4-6, 2015. Keynote speaker Loretta Ross was one of 12 women who developed the concept of "reproductive justice"—which intersects social justice and reproductive rights, or as Ross puts it, "brings human rights home by looking at the totality of women's lives."
Widening the Cycle: A Menstrual Cycle & Reproductive Justice Art Show: June 4-6Widening the Cycle: A Menstrual Cycle & Reproductive Justice Art Show
Suffolk University Law School
120 Tremont Street, Boston
June 4, 5, & 6, 2015 | 9 a.m.-9 p.m.
The CWHHR is on the Civil Society Leadership Team of an important new campaign:
Click here to view a video about Cities for CEDAW made by Suffolk Law School students in Kate Nace Day's class in Spring 2015.


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21 Jun How much does Personal Training in Charlotte cost?
The price you pay for personal training can vary greatly; in Charlotte it'll run anywhere from $20 to $100 an hour. Don't be seduced by a low price, just because it's cheap doesn't mean it's quality. The average price range of a good personal trainer is usually around $45-70 an hour. Of course, that wouldn't include travel time if the trainer is coming to you.
The thing to consider is that your personal trainer isn't just there to help you lose weight, but to make sure that you don't get hurt in the process. That knowledge is worth the extra money. You're investing in your health and in your future, after all.
Here is a checklist of things you should ask a potential trainer:
- What kind of experience do you have with people with my medical / lifestyle background?
- What is your educational background?
- What kind of fitness assessment do you do?
- Do you work with my health care providers?
- Is it possible to have a free training session?
Have a fit and healthy day!


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Discover The World's Oddities
Most Popular!
Learn More »
Discover the world's oddities at Ripley's Believe It or Not in the Wisconsin Dells. Featuring three floors with 11 amazing galleries, you will experience puzzling illusions as you examine the large eclectic collection of odd and interesting things you will never see anywhere else.
Become an explorer and survive the curse of King Tut as you travel the dark cavernous tunnels of his Egyptian temple. Continue your exploration and unveil objects hidden throughout the museum and decide for yourself if you Believe it or Not!
"Stopped here on our way to the resort and it was a good time. Lots of interesting things to look at and the hidden passageways were cool to follow."
-TripAdvisor Review
"Very fun walking around and seeing some history. Kids will enjoy it! I would recommend this tour with your kids."
"My husband and I toured the museum yesterday and we both really enjoyed it. Watch out for the hidden passageways! Great place for adults and older children/teens."
Downtown Discovery Pass: Combo pass with Wizard Quest
General:(12 and older)-$22.99
Children:(3-11 years) $18.99
Single Attraction Admission
General: (12 and older)-$16.99
Children: (3-11)-$12.99
Kids 2 and under FREE
Current Hours:
Friday-Monday 10a-5p
Closed Tuesday, Wednesday, Thursday
We will open 7 days a week in March.
115 Broadway
Wisconsin Dells, WI 53965
Give us a Ring!
Tel: 608-254-218
Get Directions


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Gary Becigneul
- room CAB F 42.1
- address Universitätstrasse 6, 8092 Zürich, Switzerland
I am a PhD student working on Deep Learning under the supervision of Thomas Hofmann. Prior to this, I read Part III of the Mathematical Tripos at the University of Cambridge, Queens' College. I also hold a B.Sc. in pure mathematics from University Pierre & Marie Curie (Paris VI).


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Here are the top health studies of 2015 that caught our attention and made us think twice.
Farting frequently is a sign of good health!
Although it brings embarrassment for you at public places, farting can, in fact, be a sign that you are eating healthy food. According to health experts, passing air frequently is actually a sign of good health as passing air prevents bloating. "It may be socially inconvenient, but it's good to get rid of this air. If you can't get rid of gas in the intestine it can cause abdominal pain and make you feel bloated," says researchers. Now we know there's going to be a lot of gases around.
An orgasm a day can keep prostate cancer risk at bay
Recently a study pointed out that men, who have an orgasm every day, have a lower risk of prostate cancer than men who do not ejaculate regularly. The study showed that men who ejaculated more than 21 times a month had a 22 per cent lower risk of getting the disease thus implying the potential benefit of ejaculation on prostate cancer development.
Saliva test after watching porn predicts if you want baby!
A simple saliva test done on a man after he has watched a porn video can predict whether he wants to become a father or not, revealed a recent research. The results showed that men who expressed a greater interest in babies had relatively small increase in testosterone after viewing stimulating videos when compared to those who had less interest. "We think that showing these mind-body connections is very novel and very exciting," said the lead researcher in a paper published in the journal Psychological Science.
9 hour sleep and sitting for long will kill you early
Sleeping more than nine hours and sitting too much during the day -- along with a lazy lifestyle -- can send you to the grave early than you can think, warned researchers. According to the findings from non-profit organisation Sax Institute's "45 and Up Study", a person who sleeps too much, sits too much and is not physically active enough is more than four times as likely to die early as a person without those unhealthy lifestyle habits. We're taking note of this right away.
Dogs can smell cancers And also low blood glucose levels. Dogs have a massively strong sense of smell, and the recent studies about medical science benefitting from the dogs' ability to smell are amazing. One such study tells us that dogs can tell if a person has prostate cancer by smelling his urine. The researchers trained a pair of German Shepherd dogs to detect cancer of the prostate by smelling the urine, and the two dogs, Zoe and Liu, correctly identified 99 per cent of the prostate cancer urine samples. The researchers said that using dogs to diagnose the disease could provide an alternative to the current system of blood test for prostate-specific antigen, which can give false results in men who do not have prostate cancer.
Spending extra time in office reduces diabetes!
Doesn't include simply sitting and doing nothing. According to a study, employees who enrolled in a workplace intervention programme as a group lost more weight. Since adults spend a large portion of their time at work it is only befitting that they engage in a comprehensive lifestyle intervention at the work site, which "is an effective way to prevent disease," says lead author of the study. "Participants who attended more group discussion sessions and monitored their food and physical activity lost more weight, and weight loss is the primary way to prevent the development of type 2 diabetes".
Your sneeze can travel up to 8 metres!
What's that got to do with our health? Apparently the scientists at MIT made a slow-motion video of sneezing which shows how far a sneeze can travel. The video shows fluids being sprayed from a person's nose and mouth after they sneeze and these fluids as researchers say can spread diseases such as measles and SARS. But that's not the point of the study. What the MIT scientist wanted to do was to reveal that these germs can travel up to eight metres. So people, do cover your mouth and nose with a tissue the next time you cough or sneeze and help prevent the spread of germs.
Having over 300 pals on FB ups stress level Having more than 300 friends on Facebook can increase your stress level, said a study. But don't worry they also pointed out that those who act in ways that support their FB friends -for example, by liking what they posted or sending them words of encouragement -decreased their stress levels. *starts liking everyone's pics*
Black men more likelier to die from prostate cancer
This may come across as something racist had it come from anybody other than science. The study claimed that black men were twice as likely to suffer from prostate cancer as compared to white men. According to the research, the estimated lifetime risk of being diagnosed with prostate cancer is approximately 29.3 percent for black men, 13.3 percent for white men and 7.9 percent for Asian men.
Brain goes silent when we talk loud
This definitely tickles the brain. Science revealed that the part of the brain - Broca's area - which is responsible for human speech does not actually work when we speak loudly. "Broca's area shuts down during the actual delivery of speech" but lucky for us "it remains active during conversation as part of planning future words and full sentences." What would our argument be without brains!
Longer duration of breastfeeding make babies smarter
If you want your baby to be intelligent and highly educated and earn in good figures, breastfeed them for longer durations, suggested a study. Lead author Dr Bernardo Lessa Horta from the Federal University of Pelotas in Brazil, who examined almost 3500 newborns for 30 years, said that the study provided the first evidence that prolonged breastfeeding not only increases intelligence until at least the age of 30 years but also has an impact both at an individual and societal level by improving educational attainment and earning ability.
Better breakfast leads to higher grades in schools
Talking about children and education, another study found a strong connection between good nutrition and good grades. Researched found that free school breakfasts help students from low-income families perform better academically. This study could actually be a good option for policymakers in developing countries.


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Friday 5th July 2013
Fuel at Dog Leg Creek – Yampi Sound
The mate Tony, was in charge on the barge, in fact he was the only fella there. The owner, Dean Kemp, employed people on a rotating X amount of weeks work at a time. Tony told us that he was doing eight weeks before going back to his farm in NSW. We took diesel in 4 x 5gal USA or 20litres AUS container but the fuel pump register 92litres, Tony charged us for 90litres @ $3 per litre (ripped off....!!!!) and then 3 x 10 litres AUS of ULP @ $3.20 per litre, which was hand pumped out of a 44gal drum, (200litres). All the while Tony was having a great old yarn. After fuelling Tony gave us a tour over the old fuel barge, Yampi, which was old and rusting but the motors were still in working order and the barge was able to be moves if need be. The wheel house was kept in good order with newish instruments, controls and radios had been installed.
The rusty bits
|living quarters
MrJ and I were to anchor again in Silvergull Creek, slightly further in but with the same depths. I saw the little catamaran that had anchored up the creek on its way out as we came back in. We lowered the dinghy to try our hand at trolling for a fish but after an hour we came up empty handed.
Our little tinnie ride was not a complete waste of time as we had taken our paper rubbish with us and had made a little campfire between the rocks on one of the sandy beaches around the point. I also had a great time explore with the camera, in and out of the tinnie and picked up some pretty shells to add to my ever growing collection.
The fellas who were camped up at Marion's were motoring around in their runabout. It was sometime after lunch when Penrod II came into anchor behind AR. Later that afternoon we tried again at fishing but were not able to catch anything. I gave Ken and his passengers a wave when I saw them exploring the same beach that MrJ and I had combed earlier. They were shell hunting as well. Another boat, a large motorboat, came in and anchored on the other side of the bay. All these boats coming and going in just a short few days, all coming in to anchor, most staying to pay Marion and Phil a visit and/or to get water. No wonder Marion says that their days are so busy.
Saturday 6th June 2013
Hugs and Goodbyes - Silvergull Creek and the Squatter's Arms – Yampi Sound
Mid morning MrJ and I take our tinnie up the creek to the inlet that we had seen the other day. It was HW and the water had covered the LW exposed rock bar enabling us to motor and paddle further in. The first section of the narrow inlet was very deep; it had been deep at a lower tide and it now had another 8mts on top. Past the rock bar we still had about 2mts of water under the tinnie but the bottom was very rocky. We just went in for a little look took some photos and got out of there fairly quickly. The memory of nearly being trapped above the rock bar at Sampson's Inlet was still too fresh in my mind.
|rock formations
Before leaving Marion and I swapped a few reading books; I end up with more than I had given. I took the books gladly knowing that everything would have to be taken away soon and at least they were down the weight of a few books. One book in particular was about the character of the Kimberley's which included a short story about Marion and Phil with photos too. This small book Marion opened and wrote in, just a little note to me and MrJ ceiling our friendship. I felt very honoured. I could not leave with a piece of Marion's jewellery, something that she had made herself and not one of the pieces that were now made for her by others. MrJ and I had already bought a t-shirt for him and a singlet for me with Squatter's Arms written across the front and we had become a life member of the Squatter's Arms Boating Club for only $10. But to me I wanted a memory. I picked out a small dark brown freshwater pearl bracelet, not expensive and flashy like the tourist stuff, just something plain and simple, a part of Marion that would help me to remember forever.


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Whenever we contemplate upon building an e-commerce website, Magento is most likely the name that strikes our mind. And today, WordPress can also be gaining preference by internet marketers to build up e-shops. Both Magento and WordPress are effective cms you can use for building websites. However, prior to you buying the two CMS for establishing an e-shop, it's important to know which be perfect for any project needs.
When you choose WordPress for e-commerce development?
Since Magento is less CMS-friendly, WordPress is a far greater choice when you want to produce content-focused website. WordPress is ideal for every aspect of cms whether it is creating/editing pages and blogs. Besides a CMS is the one which enables users to include pages easily and keeps everything organized – but using Magento for such purpose appears a lot more like a nightmare.
Selecting Magento for e-commerce development
Magento seems is the most viable framework with regards to building large-scale sites – with a large number of products. That is because, Magento back-finish system offers the opportunity to generate invoices, establishing limitless products, managing order history, and a whole lot. Although, you are able to achieve Magento e-commerce abilities using WordPress plugins, however for store proprietors with bigger e-stores trying to have total control of their keep plugins may not be suffice. Therefore, Magento is easily the most searched for-after option for accumulating heavy-duty e-store.
Integrating Magento and WordPress
Studying the above mentioned discussed factors when you should pick Magento over WordPress and when you Convert Magento to WordPress, it's obvious that these two platforms include remarkably helpful e-commerce abilities. However, integrating both platforms and which makes them interact might help us think of a site that has versatility of WordPress and also the brilliant Magento inventory system. But transporting the integration seamlessly can be very intimidating.
So, what is the solution?
Fortunately, there's a couple of plugins to help you integrate Magento and WordPress inside a smooth manner. Magento WordPress Integration (MWI), is a superb wordpress plugin that can help help make your Magento store seem like part of WordPress website. Here are a couple of abilities from the MWI wordpress plugin:
Enables to include default Magento blocks or blocks you've produced by yourself towards the WordPress theme.
Additionally, it allow you to add static blocks you have built through the Magento admin place to your WordPress site.
Enables to show Magento store products in your WordPress webpages or posts while using shortcode add-on.
Getting Specialist Help
If you cannot integrate the Magento WordPress Integration wordpress plugin correctly, or have some difficulty, you are able to consider seeking specialist help. You are able to employ a wordpress plugin developer or team of developers from the web design company, according to your demands for building custom wordpress plugin – that may integrate your Magento store to your WordPress site. But make certain that the company has experience and have good understanding about both Magento in addition to WordPress platforms.
In a few instances (though not every), we frequently feel puzzled whether or not to choose Magento or WordPress for developing e-commerce site. Each of the platforms motorboats outstanding features and may help set-up a practical e-store. Therefore, rather of selecting one you are able to integrate Magento and WordPress to avail advantages of these two platforms. Studying the above mentioned discussed factors can help you obtain a better understanding about the best way to deal with Magento in addition to WordPress platforms.
Verz Design has been a popular name in the web development industry. They would provide you with suitable singapore e commerce development suitable to your specific needs. They would cater to your specific needs and requirements in the best manner possible.


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Nephew Quotes
When I go to Florida for Christmas I always take my nieces and nephews out on excursions... I become like a big kid again. We go on all the big rides at the theme parks or I stick them in go-karts where their feet can't quite reach the pedals. I think that if you can continue to have the child at heart you may grow old physically but you will stay young mentally. - John Barrowman
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Africanfarming.com serves Africa's emerging farming sector, providing daily news updates, expert advice on farming issues and useful information on African agriculture. The Africanfarming.com team provides a knowledge-based resource that empowers farmers to grow.
Africanfarming.com hosts a Facebook page and Twitter community.
Africanfarming.com is a product of Media24, a Naspers company.


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When it comes to your commercial roof services, you need someone who has the skills and experience to assist you; for those living in Webster, MN that require a commercial roofer, speak to Capital Construction right away. With decades of delivering roofing services to commercial property owners, we are the commercial roofing contractors to call if you need cost-effective, reliable, and excellent commercial roofing service. Our commercial roofing contractors can give our clients more comfort due to the fact that we are able to handle any commercial roofing service, miniscule or large, whether it's a total roof replacement or a whole commercial roof installation service. With our commercial roofing service, our roofing contractors want to accomplish these things with each service: service that is executed properly the first time and having our clients 100% satisfied with our services. Capital Construction is able to satisfy the needs of all our commercial customers because we only hire expert roofers who are licensed and have had proper training and utilizing leading tools and superior commercial roof materials. Call our roofing company now at 952-222-4004 to speak with a commercial roofing contractor in Webster, MN about scheduling an appointment for commercial roofing services.
Commercial Roof Service and Products
For our roofers to get the greatest roof service for your commercial property, Capital Construction has a number of products, and also offers several commercial roof services to choose from. No two commercial roofs are similar, so they will not require the same services; because of this, we offer these services to be able to give our commercial clients choices. With our commercial roof services, we can assist commercial customers get what they want, from commercial roof coatings to commercial roofing restoration. No matter what type of commercial roofing service you want for your building, our commercial roofing contractors are ready to assist you with superior roofing services.
Commercial Roof Services
Commercial Roofing Services
- Apartment/Multi-Family No matter if you own an apartment complex or a multi-family building, Capital Construction is able to help with our apartment and multi-family roof services.
- Commercial Foam Roofing Needing a roof that is eco-friendly and saves you money on your energy costs? Think about a commercial foam roofing for your commercial property.
- Commercial Metal Roofing Interested in metal roofing for your commercial building? Contact our roofing contractors to schedule an appointment for commercial metal roof service.
- Commercial Roof Installation It doesn't matter what kind of commercial roofing product you want, from flat roofs to modified bitumen roofing, our commercial roofers are able to help with commercial roof installation.
- Commercial Roof Replacement Our commercial roofing contractors have the knowledge and training to offer our customers with specialized commercial roofing replacement services.
- Cool Roof Cools roofs are an excellent approach for our commercial customers to save on electric bills and energy costs for their building.
- Green Roof Our roofers are able to install or replace intensive and extensive green roofs for our commercial customers who have or are interested in green roofing.
- Townhome Roofing Do you require roofing replacements or installation services for your townhome or condominium? Call the commercial roofers at Capital Construction to start right away.
Flat Roofing Installation
Flat Roof Installation
- Built Up Roofing By Calling us now, we are able to replace or install built up roofs to your commercial building.
- EPDM Roofing EPDM or rubber roofing system is a durable roof that will provide you more years of protection.
- Flat Roofing For flat roof installations or replacement for your commercial building, we are the roofing contractors to call.
- Modified Bitumen Roofing Better protection means greater roofing and you will get that with modified bitumen roofing for your building.
- PVC Roofing For a cost-effective roof that is excellent for energy savings, look to a PVC roofing system for your commercial roofing system.
- TPO Roofing Get ultraviolet protection, a weatherproof roof, and greater durability with a TPO roofing system for your current roofing system.
- Vulcanized Rubber Roofing For lasting safety and a resilient roof, consider a vulcanized rubber roofing installation or replacement service by Capital Construction.
Roof Coatings
Roof Coatings
- Acrylic Roof Coating For a durable roof coating that is able to last for decades and give you more ultraviolet protection, call our commercial roofing company for an acrylic roof coat.
- Commercial Roof Restoration Before getting an entire commercial roof replacement, we also supplies commercial roof restoration service that can be installed on your current roofing system.
- Elastomeric Roofing For greater ultraviolet roof prevention and a resistant material, consider elastomeric roofing.
- Industrial Roofing If you own an industrial structure that needs roof replacements or installation services, we are the roofers to contact!
- Polyurea Roof Coating Polyurea roof coatings are a great option to complete roofing replacement and give you great heating and cooling savings and more!
- Silicone Roofing A silicone roofing system is a nice alternative to a roof replacement and we are able to apply the roof coat on top of your existing roofing.
If you live in Webster, MN and you need a commercial roofer to work on your roofing system, just contact our commercial roofing company at 952-222-4004 and we can schedule an appointment time.
Exceptional Roof Service By a Qualified Commercial Roofer
Looking for a roofing company who specializes in commercial roof services? Capital Construction in Webster, MN is the commercial roof company to call to work on your roofing. Our commercial roofers understand that commercial roof services, no matter if they are roof restorations or coatings, can be a bit overwhelming; we take the challenges away so you are able to get back to your day to day life. It is essential to put your confidence in a roof company that is not just looking to make a sale; you want a roofing company that wants to develop strong partnerships that are founded on integrity and professionalism.
At Capital Construction, we think that in order to provide rewarding services, you must have meaningful partnerships with your clients. We are confident on our roofing abilities and guarantee our clients that we are a roofing company that you can depend on for high-quality roof service and customer service, beginning with the first initial meeting and resuming onto the final meetup. Contact us now at 952-222-4004 for commercial roof services by a reputable commercial roofing contractor in Webster, MN.


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This site
is a tribute to this long gone but never forgotten airline by
Carlos Yudica, an award winning graphic artist and photographer
born in Chile.
Carlos always dreamed of becoming part of the team at the Braniff
marketing department. Ever since he was a little boy he would
ask his father to take him to work so he could stand by the
windows at the Braniff office. (His father's office was almost
next door to Braniff's in downtown Santiago.) Carlos would spend
hours looking at the big airplane models, posters and the paintings
on the walls, being drawn into their color schemes. As he grew
up, he made friends with several Braniff employees, and started
to collect all kinds of printed materials and souvenirs. Carlos
was heartbroken when Braniff went under in 1982 because his
Braniff future vanished before it started. A student at the
time of the bankruptcy, his love of Braniff led him to the airline
industry after graduation. His favorite years of Braniff were
from 1965 until the end. Carlos now resides in Chicago and can
be reached via his site
or his email at firstname.lastname@example.com
Everything and anything Braniff
are my favorites. My attraction to Braniff started as a child, and
it continues to influence my life. Enjoy the site!


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The WWE twitter account tweeted an article asking WWE superstars the most meathead question they could ask "So how much you bench?", and the answers are ridiculous. I'm not sure if these numbers are inflated at all but some of the wrestlers have insane upper body strength, no homo. Here are some of the highlights from the article.
Ryback: 550 lbs
Nicknamed the Silver Back, Ryback has been a physical specimen since he arrived to the WWE. Often compared to Goldberg, Ryback is no slouch in the weightroom. My advice is that if Jammers ever see him in the gym, don't approach him. The only thing you should do is a post set head nod, in terms of Ryback's social interaction thats as a good as a hand shake and conversation about your hopes and dreams.
Kane: 525 lbs
The Big Red Machine max bench press is 500 and a quarter which is pretty impressive for a guy that seven feet tall. I wonder if he benches with his mask on?
John Cena: 465 lbs
Probably the most popular WWE superstar, John Cena has numerous videos of him lifting online. 465 lbs is impressive, but the his main strength comes from other lifts such as Olympic lifts and deadlifts.
Big E Langston: 575 lbs
A former Iowa football player and power lifter, Big E Langston had the biggest max out of all of the wrestlers polled. Built like a bowling ball Big E is not the tallest superstar, but by weight-room standard he is probably the strongest.
Big Show: 500lbs x 12
This is just absurd. The Big Show is over seven feet and weights probably close to 500 lbs. The Big Show could easily not workout for three years walk into any gym in America and be the strongest guy there. The fact that he can throw this much weight around is insane, even for Captain Insano.


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Key Facts
- Depression is the most common psychiatric disorder with 121 million people affected worldwide;
- Symptoms include low mood, loss of interest, low self-worth and poor sleep, appetite and energy levels;
- The tendency to develop depression may be inherited although both biological and psychological factors probably play a role;
- The course of depression varies from one episode to a life-long disorder.
What is depression?
Depression is a common psychiatric disorder that presents with depressed mood, loss of interest or pleasure, feelings of guilt or low self-worth, disturbed sleep or appetite, low energy, and poor concentration. These problems can become chronic or recurrent and lead to substantial impairments in an individual's ability to take care of his or her everyday responsibilities.
The tendency to develop depression may be inherited; there is some evidence that depression may run in families. Most experts believe that both biological and psychological factors play a role. The course of clinical depression varies widely, from one episode to a life-long disorder.
The scale of the problem
Depression is a common disorder, affecting about 121 million people worldwide. It carries a high burden in terms of treatment costs, effect on families and carers and loss of workplace productivity, and is considered by the WHO to be the leading cause of disability worldwide. By the year 2020, the WHO project that depression will be the second highest contributor to the global burden of disease for all ages and both sexes.
A recently reported study revealed an overall prevalence of depressive disorders in Europe of 8.56%. Higher prevalence was seen in urban areas of Ireland and the UK, while particularly low prevalence was seen in Spain.


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Ontario Reducing the Cost of Borrowing for Payday Loans
Further Changes Proposed to Help Protect Consumers
Ontario is lowering the maximum total cost of borrowing for a payday loan from $21 to $18 per $100 borrowed as of January 1, 2017.
Payday loans are a commonly used financial service in Ontario, and this change will ensure consumers are better protected and able to benefit from lower costs for each loan.
Ontario has also introduced legislation to strengthen protections for consumers who use financial services such as payday loans, instalment loans, rent-to-own services and cheque-cashing services, as well as for consumers who have debts in collection.
If passed, the Putting Consumers First Act, would increase protections for consumers in several new ways, including:
- A grace period for repayment for consumers using rent-to-own services
- An extended repayment period option for consumers who are repeat payday loan borrowers
- Establishing standards or factors that payday lenders must take into account when determining a borrower's ability to repay
- Restrictions on high-frequency borrowing
- Adding and improving compliance and enforcement powers to address unlicensed lenders and loan brokers
Strengthening consumer protection is part of our plan to create jobs, grow our economy and help people in their everyday lives.
Quick Facts
- Alternative financial services are any financial service offered by a party other than a bank or a credit union.
- There are over 800 licensed payday lenders and loan brokers in Ontario.
- The majority of calls and inquiries to the Ministry of Government and Consumer Services are about debt collection.
Additional Resources
"Our government is committed to protecting consumers and helping people in their everyday lives. This includes lowering the cost for taking out a payday loan, and further changes to ensure that financial services are fairer and more transparent for all."
Marie-France Lalonde


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The start of new year has a way of giving people a new lust for life, and what better way to embrace this than by getting a new car? Here are seven hatchbacks due for release in 2018 to get excited for.
Honda Jazz – January 2018:
Honda's new MPV-style compact hatchback is set to make a remarkable entrance with its replenished style and brand-new bumpers. Mechanical improvements include additional features, like its 1.5-litre petrol engine along with its single-speed CVT automatic gearbox offering an easier drive.
Vauxhall Corsa – 2018:
The all-new and improved Vauxhall Corsa will offer a more spacious interior and technologically advanced gadgets too. Albeit, it is unlikely to increase in size significantly in comparison to the current Corsa, but its interior will be equipped with a touchscreen information system and the external design will be slightly updated. To look more into the Vauxhall Corsa, visit Crystal Motors for great deals.
Skoda Fabia – Summer 2018:
The Skoda Fabia was our favourite compact car until the new Seat Ibiza was introduced. Despite the fact that Skoda shared technology with the aforementioned brand, the Ibiza applied it to a fantastic platform. 2018 may just be the year the Fabia makes a comeback.
Volkswagen Polo – January 2018:
The sixth-generation Polo offers a new and improved platform, updated engines and various technical enhancements too. The new Polo will provide its passengers with more flexible interior features and although it is set to be larger in size, it is expected to be much lighter and will provide a comfortable drive for its passengers.
Hyundai i30 Fastback – Early 2018:
The Hyundai i30 Fastback is expected to become one of the most popular vehicles in 2018. It will have similar features to the Audi A3 Saloon, although Hyundai have designed the i30 to have a much greater luggage capacity, which is perfect for larger families.
Lexus CT – January 2018:
Regardless of its age, Lexus's hybrid family hatchback is still just as popular to this day. The new CT will have a slightly altered exterior appearance, a new touchscreen information system and Lexus's Safety System Plus that will provide automatic emergency braking.
Nissan Leaf – Summer 2018:
With its all-new battery pack, the Nissan Leaf's driving range has risen by 81 miles and is now at 235 miles, making it much more practical and enjoyable to drive. The Leaf will have better-presented interior features, and a significant amount of space for both rear and front passengers too.


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This book asks the important question; Can the by-products of research activity be treated as data and of research interest in themselves? This groundbreaking interdisciplinary volume considers the analytic value of a range of 'by-products' of social research and reading. These include electronically captured paradata on survey administration, notes written in the margins of research documents and literary texts, and fieldnotes and ephemera produced by social researchers. Revealing the relational nature of paradata, marginalia and fieldnotes, contributions examine how the craft of studying and analysing these by-products offers insight into the intellectual, social and ethical processes underpinning the activities of research and reading.
Browse by title
Working with Paradata, Marginalia and Fieldnotes
The Centrality of By-Products of Social Research
Edited by Rosalind Edwards, John Goodwin, Henrietta O'Connor and Ann Phoenix
Edited by Yaojun Li
Social capital is fundamentally concerned with resources in social relations. This Handbook brings together leading scholars from around the world to address important questions on the determinants, manifestations and consequences of social capital. Combining cutting-edge theory and appropriate data and methods, it presents a challenge to both social capital researchers interested in explaining social inequality and to policy-makers with responsibility for designing effective measures for enhancing social cohesion.


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A Multi-Faceted and Many Splendored Place:
Longboat Key Club and Resort
Myrna Katz Frommer
Harvey Frommer
It was all about tennis at Longboat Key Club and Resort
this Sunday afternoon in March. Tennis Gardens had just
opened, and the excitement was palpable. In a few months, the 20
clay-court, $4.5 million facility with a below-ground irrigation system
and state-of-the-art stadium court with seating for anywhere
between 500 and 2,500, would host
the 2009 All-Star Children's Foundation Sarasota Open. Some of the
nation's up and coming mens players would be on the courts for the USTA
Challenger before moving on to Paris for the French Open. That event
would prove to be a memorable time in the Sarasota annals. But this
beautiful afternoon was marking the debut of Longboat Key Club and
Resort's world-class tennis center and reason enough for all the
We had just returned to our seats from Court 21, the
casual restaurant in Tennis Gardens' Clubhouse -- a sleek, low-slung
7,200-square foot structure of white stone and glass that overlooks the
stadium court -- as head pro John Langer aced his opponent to the
crowd's delight. But Bob Weil, F&B director of the Club and Resort who
was seated beside us, seemed more interested in the tall, rose-pink
"smoothies" we had brought back from Court 21 and were now sipping
contentedly. "Those are a blend of fresh strawberries and blueberries
with a touch of apple juice and açai -- a tremendous anti-oxidant that
attacks negative stuff in your body," he told us. "We serve food that
promotes a healthier lifestyle -- an essential, given the kind of place
Longboat Key Club and Resort is."
Just what kind of place Longboat Key Club and Resort
is we were to discover over the next few days. That the name is long and
the property sizeable we already knew. Spread out across 410 acres on
two sides of the slender barrier island just north of Sarasota -- "Islandside"
which faces the Gulf of Mexico and "Harbourside" which faces Sarasota
Bay -- it is a private country club for 2,000 residents of the larger
Sarasota community and, at the same time, a full-service resort that
attracts visitors from all over the country and abroad. All told, the
property comprises seven condominium towers that house 218 terraced
suites with spectacular views; the largest deepwater marina on
Florida's west coast, 45 holes of championship golf; 25 tennis courts, a
spa and fitness complex; a children's center, conference areas, jogging
and bicycle paths; six distinctive restaurants, and a swimming pool in a
gardened setting that leads to miles of a magnificent beach of pure
white sand overlooking the Gulf of Mexico.
If Longboat Key Club and Resort is quite a
place today, it promises to be even more of a place tomorrow
when a new chapter is added to a legendary chronology that had
its beginnings when the circus came to town.
John and Mable Ringling had begun wintering in
Sarasota -- along with their animals, clowns, and high-wire
performers -- in the years preceding the First World War. During
the 1920s, the couple was part of the dizzying Florida land
boom. They bought property throughout the area including a swath
on the southern end of largely undeveloped Longboat Key where
they began building their Ritz Carlton Hotel. It was nearly
completed when the stock market crashed, and construction was
summarily halted.
Unquestionably the Ringlings have left their
mark on the region. Their eponymous Museum of Art (filled with
masterworks by such as Rubens, Velàzquez, Pousssin, and van Dyck);
their Circus Museum and Venetian-styled mansion Cà d'Zan -- now
all part of Florida State University -- lend the Sarasota
community a cultural dimension unmatched in Florida, one might
venture to say in any resort area in the world. But the couple's
dream hotel never came to be.
For nearly half a century, the building languished.
Surrounded by weeds, the "Ghost Hotel," as it came to be called, stood
abandoned save for impulsive youthful forays. Then in 1959, real estate
entrepreneur Arthur Vining Davis purchased 2,000 acres in the region
from the Ringling interests. Some years later, his company Arvida (an
acronym formed by letters of his name) began the massive development
program that brought infrastructure, along with home sites,
condominiums, hotels, golf courses, and shopping centers to Longboat
Key. Included in Arvida's purchase was the land on which the ruin of the
Ritz Carlton sat. The hotel was finally demolished in the early 1960s.
But it was not until some twenty years later when Longboat Key Club and
Resort came up that the sound of tennis balls could be heard bouncing on
clay courts built on the site of the former "Ghost Hotel."
"The concept behind Longboat Key Club and Resort is
unique," says Katherine Songster, the young, dynamic public relations
manager for the property that opened in 1982. "Guests can hop out of bed
in their Islandside suite, play a few rounds of golf, spend some time at
the spa, have a wrap-sandwich poolside at Barefoot's and go for a swim,
take the complimentary shuttle -- it's always available -- across
to Harbourside. Once there, they can walk the docks of the marina, play
some more golf on the Harbourside course or maybe a game of tennis at
Tennis Gardens. Then they can take the shuttle back to Islandside,
relax on the beach for a few hours, shower, dress, and have a seafood
dinner at Sands Pointe in Resort Center or go back to Harbourside
for Northern Italian in Portofino. All of this in a single day on a
tropical island adjacent to a beautiful, artistic city. They might even
be able to spot a manatee from their terrace. They're these big
mammals, who frolic in our waters during winter."
Katherine paused, took a deep breath, smiled, and
added: "We have it all."
Barbara Michel has seen it all. One of the first
American women to be admitted to the Clef d'Or, the Club and Resort's
chief concierge has been a fixture at the Resort Center since the mid
1980s. She has lovely fair skin (a miracle in southern Florida), blonde
hair worn in an old fashioned upsweep, and a voice gentle enough to
please King Lear.
"I've been here for 26 years, and I can tell you when
our guests leave, they leave their heart-prints behind," she told us.
"We become very involved. I feel sad when they say goodbye. I've
become emotionally attached to them."
Barbara, like Katherine, stresses the
comprehensiveness of this destination property albeit from a different
perspective. "Where else can you spend the day on the beach and in 15
minutes be at the opera or a concert?" she asked. "Sarasota has one of
the richest national opera companies in the country. The Boston Symphony
was in town a short while ago; the Boston Pops will be here in a few
weeks. We have excellent theater. Our museums are of great caliber; the
Reubens collection is one of the finest in the world. And we are here to
get the tickets for our guests, to make their dinner reservations. There
are 35 quality restaurants in the area."
Six of them are right on the premises and these
private dining amenities, along with room service and an extensive
catering service, fall under the direction of the fellow who commented
on the açai in our "smoothies" at the Tennis Gardens.
Bob Weil is tall and burly with a head full of dark
hair and a chin covered with a wisp of a beard. We met him on a day when
five events would be going on, typical for the F&B director who has been
with the property since 2001. "We are so spread out; we act like an
outside caterer," he said.
We were having lunch with Bob at the Grille at
Harbourside alongside the golf course. The clubhouse dining room is warm
and woody, and vintage photos of Sarasota and Longboat Key, including
the ill-fated Ritz Carlton, decorate the walls. But it was too lovely an
afternoon to spend indoors. Instead, we opted for an outdoor table
where the décor matches the blue of the sky and the white of the egrets
spotted every so often. Here you can get a frank, burger, or salmon
steak hot off the grill, a chicken breast or slice of pizza right from
the oven, or you can select your greens from an organic salad bar while
at the grill, the cook prepares your grouper wrap.
In the dappled shade of wild oaks, we watched golfers
at their game and checked out what appeared to be an iridescent crow who
was checking us out from a perfectly oval window in his tree-trunk home.
We also checked out a lunch menu that included matzoh ball soup(!) as
well as a spicy gazpacho, a range of salads -- including a great salmon
Niçoise, sandwiches, grilled grouper tacos and chicken quesadillas (for
dinner, prime cuts of beef and lamb and fresh seafood are among the
offerings), while over some Bloody Marys, perfectly seasoned with just
the right touch of horseradish, Bob told us how he got into the business
in the first place.
"When I was 15, I worked in a friend's family
restaurant in North Carolina" he began. "Then, while in college, I
supported myself washing dishes, cooking; I already had decided the
restaurant business was where I belonged. I was a history major, never
went to culinary school. But I had great summer and after-school jobs,
learned by working, watching, studied when I got home at night. Also, my
grandfather was a professional chef so I guess it's in the DNA.
"I think a lot about the act of dining as a human
activity, as a ceremony that binds us as human beings," he said. "And I
like to incorporate into our dining experiences a lot of different
cuisines and cultures."
Bob is clearly smitten with the cuisine and culture of
northern Italy, and in Portofino's, the property's newest dining room,
he's had the opportunity to exercise his creative gifts. It's set off
the dock in the marina clubhouse whose red-tiled roof, yellow canopies,
Renaissance-styled fountain, and stone pathways bordered with cypresses
give one the feeling of being in Italy. The dining room itself comes
straight out of a Tuscan farmhouse with tiled floors, stone, and earth
tones. Except the walls are lined with windows that nearly reach the
ceiling, and they look out to a sea of white boats docked at Longboat
Key Club Moorings and Sarasota Bay.
A sizeable bar on one side of the room wraps around a
wood-burning oven where pizzas are baked. Diners have a choice of view:
Sarasota Bay or pizza-making. The cooks actually put on a show of
tossing the dough in the air.
Portofino is one of Longboat Key Club and
Resort's signature restaurants. Sands Pointe, which specializes
in local seafood, is the other. Located in the Resort Center on
Islandside, the contemporary split-level dining room, a study
in cool shades of lime, pale avocado and yellow, is poised like
the prow of a ship overlooking the beach and Gulf of Mexico.
"At Sands Pointe, you never lose the sense of
being in Florida. No matter where you're seated, you have that
view of the Gulf," says restaurant manager David Hood. It's
Bob had told us the nighttime atmosphere at Sands
Pointe is completely different from the one it has during the day. And
that's true too. Not because the level of formality goes up once the sun
goes down; an easy-going, casual spirit prevails be it at the lavish
Sunday brunch, lunch or dinner time. The difference lies in an
enhancement of the diners. In addition to resort guests, the dinner
crowd routinely includes club members and the friends and relatives
they've brought along, often guests from out of town. Their presence
lends to the dining experience the quality of a special occasion.
"Many of the club members and their
guests belong to clubs up north" David said, "so they have that
expectation. Also we are one of the best, most exciting restaurants in
the Sarasota area. The location is beautiful. The dining room is fine
cuisine. There's entertainment five nights a week, al fresco dining on
the patio outside. Club members have high standards; they're accustomed
to excellent food, fine service. And we keep them happy."
It's not too hard to keep guests
happy when they're dining on crab profiteroles with white truffles and
asparagus; arugula salad with pears dressed with a slightly sweet
mélange of mangos, white balsamic vinegar and a bit of egg yolk, honey
and mustard; duck confit (made in the house, cured for two days); and
Steak Delmonico served with creamy mashed potatoes in a red wine
reduction, asparagus and Béarnaise sauce. Especially when such dishes
are accompanied by a favorite Burgundy: Corton from the Domain of Louis
The wine list is very strong,
perhaps four hundred wines are available (many by the glass); among
them, the delicate white Bordeaux: Margaux, another favorite. In one of
his many guises, Bob travels the world selecting wines. "I have a mix,
but there are many Californian and French. The reserve list is heavily
Bordeaux and Burgundy." Figures.
More often than not, the main ingredient is a
fish from local waters. "We do pay a handsome price for grouper
-- fourteen to fifteen dollars a pound," Bob had mentioned,
"especially in season when there are restrictions on catches.
But my preference is salmon and snapper, both of which are
"Once we had a client who said he only eats
fish with a certain salt," he told us. "'No problem,' I said,
and we brought out a little bamboo tray with smoked Danish sea
salt, Hawaiian salt, etc. I think he was impressed. But then, so
were we to learn he owns the Buckingham in Greenwich Village."
Restaurant Manager David Hood
Like a classic French dinner, Sands Pointe's concludes
with a cheese plate before dessert. The presentation included a
Californian triple cream brie, an Australian blue cheese, a French sheep
milk cheese with a sweet and sour cranberry compote, apricot jam,
pickled grapes, and strawberry rhubarb jam.
There you have it: the Grille at Harbourside,
Portofino's, Sands Pointe. Also Court 21 at Tennis Gardens where, in
addition to the "smoothies," sliders, salads, curried chicken satay are
available along with wine by the glass. ("Some interesting varietals
expressive of the food," Bob had said, "Malbecs and Tempranillas.") And
Spike 'n Tees on Islandside's golf course where the buffet lunch of
salads, seafood and grilled items is 80% organic, and Barefoot for
casual poolside fare dining.
We had yet to encounter an F&B director with a reach
as large as Bob Weil's. Beyond the restaurants and room service, there's
a substantial catering component in his domain: weddings and rehearsal
dinners, fundraisers, special events, as many as thirty a month during
season, and held, as a rule, in the ballroom of the Harbourside Golf
Clubhouse and out on the course itself.
Bob has
orchestrated gala receptions with imaginative setups of stations,
sit-down dinners, buffets for such events as the Sarasota Film Festival,
a tribute dinner to the film star Kevin Bacon, the Fall Wine Makers'
Dinner (recently the honoree was Louis Latour; a different Burgundy from
his famed vineyard accompanied each course of the six-course dinner, one
being the Corton we had at Sands Pointe), the regular Friday night
buffet, and a Passover Seder for the Jewish community of the Club. The
scope of creating and directing so many and such different kinds of
events leaves one breathless.
"That's the
beauty of this property," Bob said. "There are so many options. We meet
weekly for three hours to go over the week's events. We know exactly
what's going on in every outlet. I have a great job because I have such
a great staff. When you get the right people in place it's a charm for
exciting to be a chef of the 21st century," he added. "There's so much
out there, such fantastic products and ways of preparation. What I'm
beginning to see is greater attention paid to health. People are
increasingly aware of what they're eating; where the food came from. We
are meeting this interest with vegetarian menus, with organic products,
with beef that is certified humane."
"Nowadays there
are lots of copies of our concept: a combination destination
resort and country club. But this was one of the first. And then
we are very private, very exclusive, beautifully maintained,
with a wonderful open beach."
General Manager
Michael Welly
It was a
beautiful evening. We were standing on the edge of the wooden walkway
that leads from the swimming pool area to the beach. All through our
time here, the moon had been getting rounder. Now, our last night, a
full moon had formed at last. It had risen high in the sky. The waters
of the Gulf were illuminated and shimmering.
In the few days, we had spent here, we had discovered
what kind of a place Longboat Key Club and Resort is, and it is indeed a
multi-faceted, many-splendored thing.
Longboat Key Club and Resort
301 Gulf of Mexico Drive
Longboat Key, Florida 34228
Phone: 941-383 8821
Photographs by Harvey Frommer
About the Authors: Myrna Katz Frommer and Harvey Frommer are a wife and husband
team who successfully bridge the worlds of popular culture and traditional
scholarship. Co-authors of the critically acclaimed interactive oral histories
It Happened in the Catskills, It Happened in Brooklyn, Growing Up Jewish in
America, It Happened on Broadway, It Happened in Manhattan, It Happened in
Miami. They teach what they practice as professors at Dartmouth College.
They are also travel writers who specialize in luxury properties and fine dining
as well as cultural history and Jewish history and heritage in the United
States, Europe, and the Caribbean.
about these authors.
You can contact the Frommers at:
Email: email@example.com
Email: email@example.com
This Article is Copyright © 1995 - 2012 by Harvey and Myrna Frommer. All rights
reserved worldwide.
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Where to stay in Osaka
Exploring Osaka
An important center for business and culture, Osaka is a buzzing city full of skyscrapers and modern structures sitting alongside traditional architecture. Famous for its bustling shopping streets and exclusive nightlife, the city is always busy, and during the day the population swells thanks to the number of commuters who work in the high-rise offices.
Accommodations in Osaka
There is a range of options for all travellers such as Wifi equipped amenities, gym, fitness centres, and complimentary breakfast. The most popular hotel in Osaka is the Guesthouse Neko Neko – Hostel, which has been booked 5 times from our Hotels.com verified guests. Our guests also highly recommended HOSTEL APARTMENT UMEDA in Osaka as it has been reserved 5 times.
Sightseeing in Osaka
It's not all about the shopping; Osaka also has a good spread of attractions, both traditional and modern. There is something of interest for all types of visitor, from a highly regarded zoo and parks to some of the country's most high profile temples and shrines. There are also several well done museums. One of the star attractions is Osaka Castle, which has a fine vantage point and gardens, while the Shitennjo-ji Temple is well over 1,000 years old and is also a must-see. There is also a lofty old tower and many skyscrapers from which to take in the city, while downtown comes with many intriguing areas and side attractions.
Transportation in Osaka
Kansai International Airport is set on an artificial island in Osaka Bay, putting it at the heart of the city, and flights arrive from across Asia on a regular basis. From here you can take a direct, high-speed train to Namba Station with the connection taking about 37 minutes, and can change trains and get to Osaka Station in another 10 minutes. There's also the smaller Osaka International Airport (ITM-Itami) which welcomes domestic flights from across Japan and is about a 20 minute taxi ride north of the city center.
Osaka travel guides
Osaka Travel Guide - Your destination overview of Osaka, Japan
Japan's second largest city sits in the Kansai region of Honshu on Osaka Bay and is an industrial...
Osaka Travel Tips - Helpful hints and advice on local destination information
Although Osaka has a bit of a reputation as an unruly place (from a Japanese perspective), it is still...
Osaka Food and Dining Guide - Restaurants, where to eat, and more
Although not quite on par with Tokyo, the eating in Osaka is excellent and there are numerous places...
Save more with Secret Prices
Get instant savings with Secret Prices


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InSync is a state-of-the-art security system that uses photo identification and digital pagers that are capable of receiving text messages. Parents of kids Birth - 5 Years Old must use InSync to Check-In their child prior to dropping them off in their classroom.
Click HERE for complete details on how the system works.


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Daniel Alarmed and Comforted. B. C. 534. Daniel 10:10-21 10 And, behold, a hand touched me, which set me upon my knees and upon the palms of my hands. 11 And he said unto me, O Daniel, a man greatly beloved, understand the words that I speak unto thee, and stand upright: for unto thee am I now sent. And when he had spoken this word unto me, I stood trembling. 12 Then said he unto me, Fear not, Daniel: for from the … [Read more...]
You are here: Home / Archives for Michael the chief prince


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In Case You Missed It:
Here is the deal with the #KimExposedTaylorParty hashtag,
Kim Kardashian literally broke the internet last night after exposing that Taylor Swift lied on Kanye West, Swift appeared to have agreed and was excited Kanye mentioned her on 'Famous'.
Kim suggested everyone follow her on snapchat after the episode of KUWTK and that's when Kim released the footage of Taylor on a call with Kanye West agreeing to be mentioned on the Famous song.
Remember this
Of course, Taylor Swift slams Kim and Kanye for 'character assassination' after they released the footage claiming she approved the lyrics for FAMOUS!!!


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I came across the following domain name in an Adwords Display Network report (aka: content network): adsenseformobileapps.com.
According to Google, if your content network campaign is opted in to show ads on mobile devices, this is the domain name that shows up for those visitors who see and click on your ad via a mobile app.
For one of our client's campaigns a lot of clicks were being generated without any conversions, so I added this to the excluded placements list to stop any more wasted clicks.
If you pull reports regularly, you can catch this kind of thing.
Take a look at your own content network reports (e.g check your automatic placements) regularly to see if domains like adsenseformobileapps.com are generating clicks and therefore costs, without conversions. If so, get rid of them!


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I appreciate all the prayers yesterday! Thank you! Feeling somewhat better today, but still fragile. And sooo tired of dreams feeling real & mixing with reality so can't tell dream from waking. Surreal quality to both sleep & waking. Maybe it's the trazadone?
Hope to keep distracted as best medicine by learning to decorate cupcakes with homemade icing and bags. So far just making the icing was therapeutic.


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Our Brands
Spangler Candy Company is a family-owned private company making candy since 1906. Our products include lollipops, candy canes, and marshmallow candies. We also sell many types of bulk candy to businesses.
Spangler Candy upholds the highest standards of quality for our confectionery products. See the most common questions regarding specific ingredients.
Find out where to buy Spangler candy at the nearest retailer. Learn how our candies are used as thank-you candy for many businesses and restaurant operations.
The sky is the limit with these patriotic pom poms. Pom Poms are a fun toy for kids to play with during picnics and to shake at parades, and a good outlet for the creative painter in any child. The difficulty level is minimal and many of the supplies can be found around your home.


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In sports, the word "defected" is used too liberally and not literally, as in Mark Teixeira "defected" from the Angels to the Yankees this winter. Teixeira did indeed sign with the Yankees -- for $180 million, and without having to fear for his life -- leaving an opening for first baseman Kendry Morales, who really did defect from Cuba five years ago after eight unsuccessful tries. Morales now appears to be ready for a breakthrough season with the Angels.
For the money that would have gone to Teixeira, the Angels were able to sign outfielders Juan Rivera and Bobby Abreu, and closer Brian Fuentes. Not signing Teixeira also allowed the Halos to give Morales, 25, his first real shot at playing every day in the big leagues. Is he ready?
"If we're wrong on this guy," said Angels manager Mike Scioscia, "then it will be the worst miss we've ever had here." That is to say, the Angels are certain that the switch-hitting Morales is ready to thrive.
"We think he can do some special things," said Angels general manager Tony Reagins. "He has done it on the minor league side, and he has learned and shown and developed over the years to the point that he should be a very good player on the major league level."
The learning has come slowly. In 2004, when Morales defected to the United States, "he was very raw," Scioscia said. "He didn't know how to take a secondary lead." Reagins added, "He didn't know how to play the game. I remember in July that first year in [Class A] Rancho Cucamonga, he would be on defense at first base, and he'd be practicing his swing; you simply do not do that. He would hit a ground ball and jog to first base. That was accepted in Cuba. But in this organization, it's about taking ownership. This is an aggressive organization, it's about being professional. Now he runs out every ground ball, and is a professional on both sides of the ball. He'll be fine. He's ready to be an everyday player."
Everything points toward that. In the four years he's spent in the minor leagues, Morales has hit over .300 every year; in three stops at Triple-A, Morales hit .320, then .341, then .341 again. In winter ball this year in the Dominican Republic, he was also terrific. "Winter ball is a very high league, especially in the Dominican," Reagins said. "And he handled that league."
He has also been terrific this spring. In 59 at-bats, he has hit .356, slugged .576, hit two home runs and driven in nine runs. His defense has improved to the point where he is at least an average first baseman -- not Teixeira, but adequate.
"I've seen him in the minor leagues, I just saw him in the Dominican, and I've seen him this spring," one scout said. "It's amazing how much he has grown as a player the last few years. I wouldn't be surprised if he hit .300 with 25 home runs and around 100 RBIs this season. I just think that now that he has a job, instead of fighting for time, and he's older, he is ready this time."
If we're wrong on [Kendry Morales], then it will be the worst miss we've ever had here.
"-- Angels manager Mike Scioscia
Morales probably wasn't ready in his three previous trips to the major leagues; in those stints, he hit a combined .249 with a .302 on-base percentage and a .408 slugging percentage and grounded into 19 double plays in 377 at-bats. He served mostly as a backup to Casey Kotchman, who was traded last summer to Atlanta in the deal for Teixeira. One reason the Angels could deal Kotchman is they knew they had Morales.
"I don't feel pressure," Morales said, through an interpreter, about replacing Teixeira. "I can go back to the times when Kotchman was hurt, and I had to step in. Those times served me well now."
Morales' best time came in Game 4 of the American League Division Series last year against the Red Sox. He led off the top of the ninth inning with a double off reliever Justin Masterson, surely the biggest hit of Morales' career.
"He created a footprint there," Reagins said. "Now it's time to expand it."
The Angels will no doubt miss Teixeira, but with Abreu and the switch-hitting Morales, they have addressed some of their deficiencies from the left side. Abreu will hit, that's for sure. And from all indications last year, so will Morales.
Tim Kurkjian is a senior writer for ESPN The Magazine. His book "Is This a Great Game, or What?" was published by St. Martin's Press and became available in paperback last May. Click here to order a copy.


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The 1st Steps to Mind-Body Harmony
I started my own process by defining the values I hold dear, finding time for myself and following new routines that would nourish me inside and out. Today, making myself a cup of tea each morning has become a small part of a morning ritual I truly love.
It's common place these days to feel perpetually busy and to lack any real balance or rhythm in life. There is no supportive routine to our days and, from the moment our alarm screams till we go to bed too late, the simplest thing is often to just to lurch from one activity to the next. Our attention is wrested away by the almost inescapable flow of information and alerts coming from phones, social media, radio and TV. Many of us no longer follow religious traditions and yet no spiritually nurturing practices have replaced them. And we have been brought up to always give everything we've got. It was not surprising that for so long my mind, body and self felt imbalanced and I thought things were unchangeable.
… it was not a lack of desire or drive that was holding me back but a lack of structure, clear processes and my inability to prioritise myself …
The ancient science of mind-body
The ancient life science of Ayurveda is the traditional medicine of India and is often called the 'sister science' of yoga. Its practices date back some 5,000 years and records of Ayurvedic hospitals and colleges date back over 3,000 years. It is one of the oldest approaches to health and wellbeing, and its principles are based on thousands of years of experimentation, application, observation and refinement.
While Western medicine tends to view the human body as little more or less than a clever machine — which sometimes breaks down and must be repaired — Ayurveda is more holistic. Under its practice, one's physical, mental and spiritual health and wellbeing must be treated simultaneously, and all these aspects of your being must be integrated, balanced and nurtured in order to be truly well. This harmony, inside and out, creates true wellness.
Ayurveda's approach is highly individualised. It considers your inherent constitution, the place you live, the season, life events and stage of life in developing an approach to nutrition, exercise and other wellness practices that will lead to optimal health.
Routines & rituals: the pathway towards harmony
When we engage with thoughtful and nourishing daily, weekly and seasonal routines, Ayurveda reveals we begin to move with the flow of nature and our body's innate intelligence. And by being mindful of what we feed our mind and body, we can slowly refine every aspect of our being.
It is the simple processes outlined by the Ayurvedic principles — a daily routine, regular, simple meals, exercise for the physical and subtle bodies — that allow us to achieve a more harmonious way of being. By adopting these practices we automatically begin to live a life that is aligned with our higher purpose. We are able to pursue our own version of right living without being distracted by the impulses and cravings of our senses and habits. As we add more positive elements to our lives there is less room for that which leads us away from our real aspirations and goals.
This harmony, inside and out, creates true wellness.
My first steps towards mind-body harmony
Before I found my pathway towards a more harmonius place, I spent twenty years lurching from one diet or new 'lifestyle' to the next. With each one I would feel like I had found the secret to a better body or a calmer mind, but throughout my mind and body remained apart. When I practiced yoga I realised it was something I did rather than was and that it never felt truly integrated into my life. I intuitively knew that meditation and mindfulness made sense, yet for some reason I rarely found the time.
I had my lightbulb moment when I realised that it was not a lack of desire nor drive that was holding me back but a lack of structure, a set of clear processes and my inability to prioritise myself. My new knowledge provided me with the framework through which I could begin to live these practices every day. Today, I feel the healthiest I ever have. My mind and body are connected and attuned to one antoher. In short, I feel like I have found an easy path to follow that supports my holistic good health.
Here are a few examples of the habits and routines that have become important to me:
- My morning self-care practice. One of the keys to maintaining a sense of balance and rhythm in my life has been the adoption of my own simple morning routine. Each day I rise at the same time before the kids wake up, make myself a cup of tea and spend around 30 minutes in meditation, yoga and contemplation of the world.
- Deeper nourishment. Ayurvedic nutritional guidelines are highly personalised, but also have universal principles that are so simple to apply. By choosing to eat three simple, nourishing meals each day, at regular times, I have observed significant improvements to my digestion, my energy levels throughout the day and my body's natural ability to regulate weight.
- A meeting with my mind. For most people, including me, a daily meditation practice does not come easy. I am distractible and more comfortable doing rather than sitting. But the longer and more regularly I spend observing the flow of thoughts, emotions and feelings that arise and fall away, the more capacity I have to create some distance between the triggers and my old habitual behaviours. And I am better able to respond calmly and thoughtfully to demanding situations as they arise rather than react in unhelpful ways.
Starting my day with time for my own practices benefits not just me, but all those that I spend my days with. Each morning when those sleepy little bodies appear from behind their bedroom doors, I am more than ready for whatever the day may bring.


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- 4 April 2019
4 April 2019
9:00 am - 4:30 pm
- 16 August 2019
16 August 2019
9:00 am - 4:30 pm
This workshop can be successfully presented on-site to your team or a team leader can attend the AFEI Workshop and take the methods and information back to their team.
This workshop will provide knowledge and skills to effectively manage staff within the Quality Framework and other compliance requirements and goals of Child Care Centres in a way that ensures accountability, alignment and as much motivation as possible.
The workshop includes examples and case studies which participants can adapt to their own workplace. Our facilitator has successfully presented supervision and team leader workshops, including to Child Care Centres, over many years.
Methods used to acquire skills: Course notes, group workshop, video, practical exercises and case studies.
Who should attend
Directors, Managers, Coordinators, Team Leaders and others who have responsibility for the work of others at Early Learning/Child Care Centres.
Workshop Content
Topics covered include:
- The framework for managing staff in a child care centre
- Managing yourself to manage others
- Day-to-day staff management – in each centre room and as a team
- Managing different personalities and difficult staff
- Review and ideas.
Learning Outcomes
On completion, participants should be able to:
- Understand the elements which are necessary to manage staff in a Child Care Centre
- Identify the key factors which will assist motivating and managing staff
- Develop skills and tools to manage staff on a day-to-day basis
- Appreciate how to work with different personalities
- Have an understanding of how to manage difficult staff.
A Certificate of attendance will be issued at the completion of the course.
Duration & Venue
Duration: One Day: 9.00am – 4.30pm
Venue: AFEI, Level 2, 97-99 Bathurst Street, Sydney NSW 2000
Fee (GST Free)
Member Fee: AUD $350
Non Member Fee: AUD $395
Other Details
Fee includes morning and afternoon tea, light lunch and workshop materials.


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Sieve the flour into a large bowl whisk in the eggs, oil and milk until smooth. Cover and leave to rest for 2 hours.
Pour a little oil into a hot non-stick pan, pour in enough batter to cover the bottom of the pan. Cook for 1 minute, flip and cook for another minute until golden and cooked. Transfer to a plate and cover to keep warm.
Slice the bananas about 5mm thick and place on a lined baking sheet, sprinkle with sugar and grill on high till browned.
Fill the crepes with the grilled bananas and a spoonful of crème fraiche, drizzle with caramel and sprinkle with the almonds.
Recipe courtesy of Carnation


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Based on the Dark Horse comic by Peter M. Lenkov, this supernatural action comedy follows Reynolds as Nick Walker, an uber-confident detective who meets his end on the job, only to discover that his skills as a lawman allow him to sidestep the usual path from death to the afterlife.
Parker reunites here Robert Schwentke, who directed her in Red. Coincidentally, Red 2, in which she also stars, is scheduled to arrive on the very same day as R.I.P.D., this July 19th.
Source: IamRogue