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subset: commoncrawl


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Dragan Zlatanovic Wedding Photographer | Wedding photography Kempinski Hotel Portoroz Piran Adriatic Venice Treviso Tuscany Verona
I see beauty everywhere. I don't know whether this is a special gift or simply my vision of the planet and people I'm living with. I'm located in the northern part of the Adriatic from where I'm reaching all the mayor European capitals and your wedding in just few hours.
My biggest achievement so far was definitely becoming the first runner up of the Photographer of the year 2011 on WPJA, just after my second year of presence in this respectful organization and being between the TOP 20 Fearless Photographers in the 2012.
I've never been to a photography school, I've never been to a photography workshop, I've never had my own photography exhibition.. but my passion for photography is limitless.


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Nudes Curated by: The Worlds Best Ever
March 09, 2013 — April 06, 2013
@Guerrero Gallery
Guerrero Gallery is proud to present Nudes, an exploration of nudity in contemporary art and photography is curated by the NY-based, worldwide culture website The World's Best Ever and features a variety of artists including Asger Carlsen, Alfred Steiner, Chris Yarmick, Dave Schubert, Eddie Martinez, Eric Beltz, Faile, Geoff McFetridge, HuskMitNavn, Mark Gonzales, Mark Mulroney, Sandy Kim, Stephen Powers, Suzannah Sinclair, Taylor McKimens, Tomokazu Matsuyama, Troels Carlsen, and Victor Reyes.
The project room featured woven macomber floor loom with hand dyed wool yarn by Erin Riley whose series is inspired by the images produced by the internet generation.
Congrats to Guerrero Gallery for celebrating their 3rd year anniversary. Good people, good drinks, great art.
Our favorite piece in the show. Beautiful graphite work - Eric Beltz, Holy Fuck, 2010, Graphite on matte board, 60"x40"
Artists Mario Ayala and Curiot
Mark Mulroney, Untitled, 2013, Acrylic on poplar, 21"x25"


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Hamburgers, hotdogs, parades, and fireworks! The 4th of July is a great American holiday, and fireworks are a tradition the entire Sorrento community enjoys. But first, a word of caution: make sure you light up the sky, and not your home!
Fireworks can reach as high as 1,200 degrees Fahrenheit. The National Fire Protection Agency reports an estimated 17,800 structure fires and about $32 million in direct property damage in a recent year. More fires are started on the 4th of July than any other day of the year, with the majority started by embers from fireworks (specifically rockets) drifting and landing upon homes, as well as landing on and starting fires on other dry material.
Adults who are lighting fireworks on the Fourth should remember that your children watch you, and if you focus on fire safety, they are more likely to be careful themselves. Whether you are lighting a campfire, barbecue, or fireworks, be cautious and talk about the importance of fire safety with your children if you want to avoid the risk of injury, property damage, and costly repairs.
Does Your Homeowner Insurance Cover You for Fireworks?
If your home is damaged by fire and the fire was started by fireworks – are you covered? Fire can leave your home damaged beyond repair. A hot July leaves the structure tinder dry. One ember landing on the roof can burst into flame in seconds. The property damage can be extensive, and lead to costly repairs. If your family has a tradition on the Fourth that includes a private firework display, it is well worth your time to have your homeowners' insurance policy reviewed.
Every city, including Sorrento, has laws associated with the use of fireworks. Ensure you understand what is legal and that your family understands that fireworks are very dangerous. If you have a home fire and it is discovered that the local laws were violated, you may run into trouble with an insurance claim, as most policies have exemptions for illegal acts.
Talk to us at Instant Insurance in Sorrento, Florida. The last thing you need to worry about on a day of celebration is a house fire, or causing an injury.
Filed Under: Home Insurance, Homeowners Insurance | Tagged With: Florida, Insurance Agent, Sorrento


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Mommy Pit Bull Blanket Funny
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Mommy Pit Bull Blanket Funny Gift Idea For Dog Lover DD10
All of our Quilts are custom-made-to-order and handcrafted to the highest quality standards.
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- Constructed from an ultra-soft polyester fabric with a hypo-allergenic cotton filling.
- The diamond stitched pattern gives a luxurious feel that is cozy and breathable, perfect for all year round use.
- These quilts are great for a picnic at the park, snuggling while watching TV, relaxing on the sofa, or as a stylish bedspread.
- Machine washable with cold water gentle cycle and mild detergent.
All shipments are sent by USPS, FedEx, UPS or DHL. The order will be sent to the address you enter at the checkout. The shipping country is chosen at checkout. All prices, currencies, VAT, delivery times and delivery charges will be adjusted depending on the country you would like your items shipped to.
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«Got a dream car! Memorable drive!»
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It doesn't matter what we are doing - buying products or hiring a car. There is always the opportunity to save some money!
Remember those ads promising you fantastic discounts? But are they always true? A huge discount looks like a car hire company artificially raised the price on its product and only after that offered you some discounts.
How to save much on car hire?
What is car hire last minute Barcelona, Spain service?
Car hire last minute Barcelona, Spain allows you to get the cheapest car hire deal. It's a great opportunity to save money booking a car very close to pick up date!
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There is always a situation when car hire companies have extra cars they need to get off their parking lots. So car hire last minute Barcelona, Spain brings benefits both to you and the company. It is a favorite option


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Chapter 14
An angel tells Nephi of the blessings and cursings to fall upon the Gentiles—There are only two churches: the Church of the Lamb of God and the church of the devil—The Saints of God in all nations are persecuted by the great and abominable church—The Apostle John will write concerning the end of the world. About 600–592 B.C.
1 And it shall come to pass, that if the aGentiles shall hearken unto the Lamb of God in that day that he shall manifest himself unto them in word, and also in bpower, in very deed, unto the ctaking away of their dstumbling blocks—
2 And harden not their hearts against the Lamb of God, they shall be numbered among the seed of thy father; yea, they shall be anumbered among the house of Israel; and they shall be a bblessed people upon the cpromised land forever; they shall be no more brought down into captivity; and the house of Israel shall no more be confounded.
3 And that great apit, which hath been digged for them by that great and abominable church, which was founded by the devil and his children, that he might lead away the souls of men down to hell—yea, that great pit which hath been digged for the destruction of men shall be filled by those who digged it, unto their utter destruction, saith the Lamb of God; not the destruction of the soul, save it be the casting of it into that bhell which hath no end.
4 For behold, this is according to the acaptivity of the devil, and also according to the justice of God, upon all those who will work wickedness and abomination before him.
5 And it came to pass that the angel spake unto me, Nephi, saying: Thou hast beheld that if the Gentiles repent it shall be awell with them; and thou also knowest concerning the covenants of the Lord unto the house of Israel; and thou also hast heard that whoso brepenteth not must perish.
6 Therefore, awo be unto the Gentiles if it so be that they harden their hearts against the Lamb of God.
7 For the time cometh, saith the Lamb of God, that I will work a great and a amarvelous work among the children of men; a bwork which shall be everlasting, either on the one hand or on the other—either to the convincing of them unto cpeace and dlife eternal, or unto the deliverance of them to the hardness of their hearts and the blindness of their minds unto their being brought down into captivity, and also into destruction, both temporally and spiritually, according to the ecaptivity of the devil, of which I have spoken.
8 And it came to pass that when the angel had spoken these words, he said unto me: Rememberest thou the acovenants of the Father unto the house of Israel? I said unto him, Yea.
9 And it came to pass that he said unto me: Look, and behold that great and abominable church, which is the mother of abominations, whose founder is the adevil.
10 And he said unto me: Behold there are save atwo churches only; the one is the church of the Lamb of God, and the bother is the church of the cdevil; wherefore, dwhoso belongeth not to the church of the Lamb of God belongeth to that great church, which is the mother of abominations; and she is the ewhore of all the earth.
11 And it came to pass that I looked and beheld the whore of all the earth, and she sat upon many awaters; and she had dominion over ball the earth, among all nations, kindreds, tongues, and people.
12 And it came to pass that I beheld the church of the Lamb of God, and its numbers were afew, because of the wickedness and abominations of the whore who sat upon many waters; nevertheless, I beheld that the church of the Lamb, who were the saints of God, were also upon ball the face of the earth; and their dominions upon the face of the earth were small, because of the wickedness of the great whore whom I saw.
13 And it came to pass that I beheld that the great mother of abominations did gather together multitudes upon the face of all the earth, among all the nations of the Gentiles, to afight against the Lamb of God.
14 And it came to pass that I, Nephi, beheld the power of the Lamb of God, that it descended upon the saints of the church of the Lamb, and upon the covenant people of the Lord, who were scattered upon all the face of the earth; and they were aarmed with brighteousness and with the cpower of God in great glory.
15 And it came to pass that I beheld that the wrath of God was apoured out upon that great and abominable church, insomuch that there were wars and rumors of wars among all the bnations and kindreds of the earth.
16 And as there began to be awars and rumors of wars among all the nations which belonged to the mother of abominations, the angel spake unto me, saying: Behold, the wrath of God is upon the mother of harlots; and behold, thou seest all these things—
17 And when the aday cometh that the bwrath of God is poured out upon the mother of harlots, which is the great and abominable church of all the earth, whose founder is the devil, then, at that day, the cwork of the Father shall commence, in preparing the way for the fulfilling of his dcovenants, which he hath made to his people who are of the house of Israel.
18 And it came to pass that the angel spake unto me, saying: Look!
19 And I looked and beheld a man, and he was dressed in a white robe.
20 And the angel said unto me: Behold aone of the twelve apostles of the Lamb.
21 Behold, he shall asee and bwrite the cremainder of these things; yea, and also many things which have been.
22 And he shall also write concerning the end of the world.
23 Wherefore, the things which he shall write are just and true; and behold they are written in the abook which thou beheld proceeding out of the mouth of the Jew; and at the time they proceeded out of the mouth of the Jew, or, at the time the book proceeded out of the mouth of the Jew, the things which were written were plain and pure, and most bprecious and easy to the understanding of all men.
24 And behold, the things which this aapostle of the Lamb shall write are many things which thou hast seen; and behold, the remainder shalt thou see.
25 But the things which thou shalt see hereafter thou shalt not write; for the Lord God hath ordained the apostle of the Lamb of God that he should awrite them.
26 And also others who have been, to them hath he shown all things, and they have awritten them; and they are bsealed up to come forth in their purity, according to the truth which is in the Lamb, in the own due time of the Lord, unto the house of Israel.
27 And I, Nephi, heard and bear record, that the name of the apostle of the Lamb was aJohn, according to the word of the angel.
28 And behold, I, Nephi, am forbidden that I should write the remainder of the things which I saw and heard; wherefore the things which I have written sufficeth me; and I have written but a small part of the things which I saw.
29 And I bear record that I saw the things which my afather saw, and the angel of the Lord did make them known unto me.
30 And now I make an end of speaking concerning the things which I saw while I was acarried away in the Spirit; and if all the things which I saw are not written, the things which I have written are btrue. And thus it is. Amen.


text:
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Will D&D dead end when its novelty dies? That is impossible to answer. It is my personal opinion that the game form is a classic which is of the same stamp as chess and MONOPOLY® ; time will be the judge.More than three decades later, I think it's pretty clear: while D&D's novelty is dead, that fact doesn't preclude its being considered a classic game. Tabletop roleplaying may not be as faddish as it once was, but it's here to stay, in one form or another. As I noted yesterday, there's a very real sense in which popular culture can be divided into "pre-Dungeons & Dragons" and "post-Dungeons & Dragons" eras. Can the same be said of Monopoly or Risk or Clue, three games most children have owned and grow up playing with their friends.
Given that, isn't it about time that some early edition of D&D be re-published in a "nostalgia edition?" Goodness knows I loathe the term "vintage" or "classic" when applied to early editions of the game -- never mind "legacy" -- but these are marketing terms with wide currency. Many popular boardgames have been re-released in nostalgia editions, using graphics and components from long out-of-print versions. Such editions appeal to nostalgia, of course, but they also emphasize continuity with the past by allowing multiple generations to share their common experiences. My parents played Monopoly when they were children, for example, just as I did and my children do. And what's important here is that three generations of us played the same game and that game is still available today in an unaltered form.
Why doesn't D&D deserve the same treatment? While my dream would be to see a re-released version of the LBBs, that's likely not practical for many reasons. But what about Moldvay/Cook? My issues with it aside, it's the first truly mass market version of the game, one that's well written and clear and yet not so far removed from the early culture of the hobby as to be alien to it. Plus, its "look" is unlike anything we've seen in many moons, making it an ideal candidate for being deemed "vintage" by the marketers who love such terminology. Wouldn't it be great to be able to buy this version of the game forever? A game I could not only buy for my children but that they could buy for theirs in the future? Is there any good reason why this hasn't already happened?


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- Age estimates of the human Y-chromosome phylogeny root (Y-chromosome Adam) based on microsatellites were unreliable and depended on the set of fast- or slow-evolving markers one used
- Y-chromosome Adam may have lived much earlier than what you might have heard
- We would eventually switch from microsatellites to SNPs which would provide a better age estimate of the "father of us all"
To test the robustness of the backbone and the root of current Y chromosome phylogeny, we searched for SNPs that might be informative in this respect. To this aim, a resequencing analysis of a 205.9 kb MSY portion (183.5 kb in the X-degenerate and 22.4 kb in the X-transposed region) was performed for each of seven chromosomes that are representative of clade A (four chromosomes belonging to haplogroups A1a, A1b, A2, and A3), clade B, and clade CT (two chromosomes belonging to haplogroups C and R) (Table S1 available online).
The deepest branching separates A1b from a monophyletic clade whose members (A1a, A2, A3, B, C, and R) all share seven mutually reinforcing derived mutations (five transitions and two transversions, all at non-CpG sites).
So, now the most basal clade of the Y-chromosome phylogeny is what was previously known as A1b. The strength of the evidence can be seen on the left, while the comparison of the "new" with the "old" phylogeny can be seen below:
To estimate the age of ancestral nodes in the tree, we used the rho statistic,20,21 considering a germline MSY mutation rate of 1.0 × 10−9 single-nucleotide substitutions (SNS) per base per year.22 Indel variants were excluded from this calculation. We obtained a time estimate for the root of the MSY tree of 141.5 ± 15.6 KY, with an age in mutations (rho) of 29.1 ± 3.2 and values of 107.6 ± 12.2 KY, 104.9 ± 13.1 KY, 74.5 ± 12.5 KY, and 38.8 ± 9.7 KY for the coalescence age of A1a-T, A2-T, BT, and CT, respectively (Figure 1 and Table S3 )
Four subjects (two Berbers from northwest Africa, one Tuareg and one Fulbe from Niger) were confirmed as belonging to clade A1a.24,29 It is worth noting that this clade was previously detected in west Africa, although at low frequencies.10,30,31,32 Three chromosomes from the Bakola pygmy group from southern Cameroon (central Africa) were found to carry the derived allele at V164, V166, V196, and P114 and were classified as A1b. Interestingly, one chromosome from an Algerian Berber group (northwest Africa) was found to carry the derived allele at V164, V166, and V196 but carried the ancestral one at P114, implying a bipartite structure for A1b, where P114 defines an internal node.Between Cameroon and North Africa where the oldest A1b and A1a clades of the tree occur, it seems that our search for the ur-fathers of mankind has taken us to an unexpected quarter of Africa:
Third, contrary to previous phylogeny-based conclusions,15,16 the deepest clades of the revised MSY phylogeny are currently found in central and northwest Africa. MSY lineages from these regions coalesce at an older time (142 KY) than do those from east and south Africa (105 KY), opening new perspectives concerning early modern human evolution. A scenario of a Y chromosome "Adam" living in central-northwest Africa about 140 KY ago would provide a good fit to the present data. However, we also note that, because of the still largely incomplete geographic coverage of the African MSY diversity and unknown consequences of past population processes such as growth, extinction, and migration, any phylogeny-based inference on the geographical origin of human MSY diversity in Africa should be made with caution.This ought to be a potent reminder that different genetic systems tell different stories. The autosomal evidence seems to suggest that the most divergent modern humans (from the rest) are the Mbuti Pygmies and Khoi-San, but Y-chromosomes point to Bakola and Berbers. Perhaps this is yet another much-needed wakeup call to consider more interesting within-Africa scenarios.
The haplogroup tree classifies all the major haplogroups as monomorphic, and recovers the relationships between them, with high bootstrap confidence. It also shows evidence for a deep division between haplogroups DE and CT, previously identified only by a single marker (P143).
The American Journal of Human Genetics, 19 May 2011
A Revised Root for the Human Y Chromosomal Phylogenetic Tree: The Origin of Patrilineal Diversity in Africa
Fulvio Cruciani et al.
To shed light on the structure of the basal backbone of the human Y chromosome phylogeny, we sequenced about 200 kb of the male-specific region of the human Y chromosome (MSY) from each of seven Y chromosomes belonging to clades A1, A2, A3, and BT. We detected 146 biallelic variant sites through this analysis. We used these variants to construct a patrilineal tree, without taking into account any previously reported information regarding the phylogenetic relationships among the seven Y chromosomes here analyzed. There are several key changes at the basal nodes as compared with the most recent reference Y chromosome tree. A different position of the root was determined, with important implications for the origin of human Y chromosome diversity. An estimate of 142 KY was obtained for the coalescence time of the revised MSY tree, which is earlier than that obtained in previous studies and easier to reconcile with plausible scenarios of modern human origin. The number of deep branchings leading to African-specific clades has doubled, further strengthening the MSY-based evidence for a modern human origin in the African continent. An analysis of 2204 African DNA samples showed that the deepest clades of the revised MSY phylogeny are currently found in central and northwest Africa, opening new perspectives on early human presence in the continent.


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It's one thing for a CFO to understand the technical methods of valuation—and for members of the finance organization to apply them to help line managers monitor and improve company performance. But it's still more powerful when CEOs, board members, and other nonfinancial executives internalize the principles of value creation. Doing so allows them to make independent, courageous, and even unpopular business decisions in the face of myths and misconceptions about what creates value.
When an organization's senior leaders have a strong financial compass, it's easier for them to resist the siren songs of financial engineering, excessive leverage, and the idea (common during boom times) that somehow the established rules of economics no longer apply. Misconceptions like these—which can lead companies to make value-destroying decisions and slow down entire economies—take hold with surprising and disturbing ease.
What we hope to do in this article is show how four principles, or cornerstones, can help senior executives and board members make some of their most important decisions. The four cornerstones are disarmingly simple:
1. The core-of-value principle establishes that value creation is a function of returns on capital and growth, while highlighting some important subtleties associated with applying these concepts.
2. The conservation-of-value principle says that it doesn't matter how you slice the financial pie with financial engineering, share repurchases, or acquisitions; only improving cash flows will create value.
3. The expectations treadmill principle explains how movements in a company's share price reflect changes in the stock market's expectations about performance, not just the company's actual performance (in terms of growth and returns on invested capital). The higher those expectations, the better that company must perform just to keep up.
4. The best-owner principle states that no business has an inherent value in and of itself; it has a different value to different owners or potential owners—a value based on how they manage it and what strategy they pursue.
View these principles and their implications at a glance.
Ignoring these cornerstones can lead to poor decisions that erode the value of companies. Consider what happened during the run-up to the financial crisis that began in 2007. Participants in the securitized-mortgage market all assumed that securitizing risky home loans made them more valuable because it reduced the risk of the assets. But this notion violates the conservation-of-value rule. Securitization did not increase the aggregated cash flows of the home loans, so no value was created, and the initial risks remained. Securitizing the assets simply enabled the risks to be passed on to other owners: some investors, somewhere, had to be holding them.
Obvious as this seems in hindsight, a great many smart people missed it at the time. And the same thing happens every day in executive suites and board rooms as managers and company directors evaluate acquisitions, divestitures, projects, and executive compensation. As we'll see, the four cornerstones of finance provide a perennially stable frame of reference for managerial decisions like these.
Mergers and acquisitions
Acquisitions are both an important source of growth for companies and an important element of a dynamic economy. Acquisitions that put companies in the hands of better owners or managers or that reduce excess capacity typically create substantial value both for the economy as a whole and for investors.
You can see this effect in the increased combined cash flows of the many companies involved in acquisitions. But although they create value overall, the distribution of that value tends to be lopsided, accruing primarily to the selling companies' shareholders. In fact, most empirical research shows that just half of the acquiring companies create value for their own shareholders.
The conservation-of-value principle is an excellent reality check for executives who want to make sure their acquisitions create value for their shareholders. The principle reminds us that acquisitions create value when the cash flows of the combined companies are greater than they would otherwise have been. Some of that value will accrue to the acquirer's shareholders if it doesn't pay too much for the acquisition.
Exhibit 1 shows how this process works. Company A buys Company B for $1.3 billion—a transaction that includes a 30 percent premium over its market value. Company A expects to increase the value of Company B by 40 percent through various operating improvements, so the value of Company B to Company A is $1.4 billion. Subtracting the purchase price of $1.3 billion from $1.4 billion leaves $100 million of value creation for Company A's shareholders.
To create value, an acquirer must achieve performance improvements that are greater than the premium paid.
In other words, when the stand-alone value of the target equals the market value, the acquirer creates value for its shareholders only when the value of improvements is greater than the premium paid. With this in mind, it's easy to see why most of the value creation from acquisitions goes to the sellers' shareholders: if a company pays a 30 percent premium, it must increase the target's value by at least 30 percent to create any value.
While a 30 or 40 percent performance improvement sounds steep, that's what acquirers often achieve. For example, Exhibit 2 highlights four large deals in the consumer products sector. Performance improvements typically exceeded 50 percent of the target's value.
Dramatic performance improvement created significant value in these four acquisitions.
Our example also shows why it's difficult for an acquirer to create a substantial amount of value from acquisitions. Let's assume that Company A was worth about three times Company B at the time of the acquisition. Significant as such a deal would be, it's likely to increase Company A's value by only 3 percent—the $100 million of value creation depicted in Exhibit 1, divided by Company A's value, $3 billion.
Finally, it's worth noting that we have not mentioned an acquisition's effect on earnings per share (EPS). Although this metric is often considered, no empirical link shows that expected EPS accretion or dilution is an important indicator of whether an acquisition will create or destroy value. Deals that strengthen near-term EPS and deals that dilute near-term EPS are equally likely to create or destroy value. Bankers and other finance professionals know all this, but as one told us recently, many nonetheless "use it as a simple way to communicate with boards of directors." To avoid confusion during such communications, executives should remind themselves and their colleagues that EPS has nothing to say about which company is the best owner of specific corporate assets or about how merging two entities will change the cash flows they generate.
Executives are often concerned that divestitures will look like an admission of failure, make their company smaller, and reduce its stock market value. Yet the research shows that, on the contrary, the stock market consistently reacts positively to divestiture announcements.1 The divested business units also benefit. Research has shown that the profit margins of spun-off businesses tend to increase by one-third during the three years after the transactions are complete.2
These findings illustrate the benefit of continually applying the best-owner principle: the attractiveness of a business and its best owner will probably change over time. At different stages of an industry's or company's lifespan, resource decisions that once made economic sense can become problematic. For instance, the company that invented a groundbreaking innovation may not be best suited to exploit it. Similarly, as demand falls off in a mature industry, companies that have been in it a long time are likely to have excess capacity and therefore may no longer be the best owners.
A value-creating approach to divestitures can lead to the pruning of good and bad businesses at any stage of their life cycles. Clearly, divesting a good business is often not an intuitive choice and may be difficult for managers—even if that business would be better owned by another company. It therefore makes sense to enforce some discipline in active portfolio management. One way to do so is to hold regular review meetings specifically devoted to business exits, ensuring that the topic remains on the executive agenda and that each unit receives a date stamp, or estimated time of exit. This practice has the advantage of obliging executives to evaluate all businesses as the "sell-by date" approaches.
Executives and boards often worry that divestitures will reduce their company's size and thus cut its value in the capital markets. There follows a misconception that the markets value larger companies more than smaller ones. But this notion holds only for very small firms, with some evidence that companies with a market capitalization of less than $500 million might have slightly higher costs of capital.3
Finally, executives shouldn't worry that a divestiture will dilute EPS multiples. A company selling a business with a lower P/E ratio than that of its remaining businesses will see an overall reduction in earnings per share. But don't forget that a divested underperforming unit's lower growth and ROIC potential would have previously depressed the entire company's P/E. With this unit gone, the company that remains will have a higher growth and ROIC potential—and will be valued at a correspondingly higher P/E ratio.4 As the core-of-value principle would predict, financial mechanics, on their own, do not create or destroy value. By the way, the math works out regardless of whether the proceeds from a sale are used to pay down debt or to repurchase shares. What matters for value is the business logic of the divestiture.
Project analysis and downside risks
Reviewing the financial attractiveness of project proposals is a common task for senior executives. The sophisticated tools used to support them—discounted cash flows, scenario analyses—often lull top management into a false sense of security. For example, one company we know analyzed projects by using advanced statistical techniques that always showed a zero probability of a project with negative net present value (NPV). The organization did not have the ability to discuss failure, only varying degrees of success.
Such an approach ignores the core-of-value principle's laserlike focus on the future cash flows underlying returns on capital and growth, not just for a project but for the enterprise as a whole. Actively considering downside risks to future cash flows for both is a crucial subtlety of project analysis—and one that often isn't undertaken.
For a moment, put yourself in the mind of an executive deciding whether to undertake a project with an upside of $80 million, a downside of –$20 million, and an expected value of $60 million. Generally accepted finance theory says that companies should take on all projects with a positive expected value, regardless of the upside-versus-downside risk.
But what if the downside would bankrupt the company? That might be the case for an electric-power utility considering the construction of a nuclear facility for $15 billion (a rough 2009 estimate for a facility with two reactors). Suppose there is an 80 percent chance the plant will be successfully constructed, brought in on time, and worth, net of investment costs, $13 billion. Suppose further that there is also a 20 percent chance that the utility company will fail to receive regulatory approval to start operating the new facility, which will then be worth –$15 billion. That means the net expected value of the facility is more than $7 billion—seemingly an attractive investment.5
The decision gets more complicated if the cash flow from the company's existing plants will be insufficient to cover its existing debt plus the debt on the new plant if it fails. The economics of the nuclear plant will then spill over into the value of the rest of the company—which has $25 billion in existing debt and $25 billion in equity market capitalization. Failure will wipe out all the company's equity, not just the $15 billion invested in the plant.
As this example makes clear, we can extend the core-of-value principle to say that a company should not take on a risk that will put its future cash flows in danger. In other words, don't do anything that has large negative spillover effects on the rest of the company. This caveat should be enough to guide managers in the earlier example of a project with an $80 million upside, a –$20 million downside, and a $60 million expected value. If a $20 million loss would endanger the company as a whole, the managers should forgo the project. On the other hand, if the project doesn't endanger the company, they should be willing to risk the $20 million loss for a far greater potential gain.
Executive compensation
Establishing performance-based compensation systems is a daunting task, both for board directors concerned with the CEO and the senior team and for human-resource leaders and other executives focused on, say, the top 500 managers. Although an entire industry has grown up around the compensation of executives, many companies continue to reward them for short-term total returns to shareholders (TRS). TRS, however, is driven more by movements in a company's industry and in the broader market (or by stock market expectations) than by individual performance. For example, many executives who became wealthy from stock options during the 1980s and 1990s saw these gains wiped out in 2008. Yet the underlying causes of share price changes—such as falling interest rates in the earlier period and the financial crisis more recently—were frequently disconnected from anything managers did or didn't do.
Using TRS as the basis of executive compensation reflects a fundamental misunderstanding of the third cornerstone of finance: the expectations treadmill. If investors have low expectations for a company at the beginning of a period of stock market growth, it may be relatively easy for the company's managers to beat them. But that also increases the expectations of new shareholders, so the company has to improve ever faster just to keep up and maintain its new stock price. At some point, it becomes difficult if not impossible for managers to deliver on these accelerating expectations without faltering, much as anyone would eventually stumble on a treadmill that kept getting faster.
This dynamic underscores why it's difficult to use TRS as a performance-measurement tool: extraordinary managers may deliver only ordinary TRS because it is extremely difficult to keep beating ever-higher share price expectations. Conversely, if markets have low performance expectations for a company, its managers might find it easy to earn a high TRS, at least for a short time, by raising market expectations up to the level for its peers.
Instead, compensation programs should focus on growth, returns on capital, and TRS performance, relative to peers (an important point) rather than an absolute target. That approach would eliminate much of the TRS that is not driven by company-specific performance. Such a solution sounds simple but, until recently, was made impractical by accounting rules and, in some countries, tax policies. Prior to 2004, for example, companies using US generally accepted accounting principles (GAAP) could avoid listing stock options as an expense on their income statements provided they met certain criteria, one of which was that the exercise price had to be fixed. To avoid taking an earnings hit, companies avoided compensation systems based on relative performance, which would have required more flexibility in structuring options.
Since 2004, a few companies have moved to share-based compensation systems tied to relative performance. GE, for one, granted its CEO a performance award based on the company's TRS relative to the TRS of the S&P 500 index. We hope that more companies will follow this direction.
Applying the four cornerstones of finance sometimes means going against the crowd. It means accepting that there are no free lunches. It means relying on data, thoughtful analysis, and a deep understanding of the competitive dynamics of an industry. None of this is easy, but the payoff—the creation of value for a company's stakeholders and for society at large—is enormous.
In a new book, Value: The Four Cornerstones of Corporate Finance, McKinsey's Richard Dobbs, Bill Huyett, and Tim Koller show the power of four disarmingly simple but often-ignored financial principles. Here are some practical applications.


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Sixty years after a landmark accord started German government compensation for victims of Nazi crimes, fund administrators and German officials say payments to Holocaust survivors are needed more than ever as they enter their final years. Most Holocaust survivors experienced extreme trauma as children, suffered serious malnutrition, and lost almost all of their relatives — leaving them today with severe psychological and medical problems, and little or no family support network to help them cope.
di David Rising da Yahoo!News del 15 novembre 2012
In acknowledgement of that, German Finance Minister Wolfgang Schaeuble signed off officially Thursday on revisions to the original 1952 compensation treaty, increasing pensions for those living in eastern Europe and broadening who is eligible for payments. Contributions to home care for survivors already have been increased.
"Survivors are passing away on a daily basis but the other side is that individual survivors are needing more help than ever," the Chairman of the Conference on Jewish Material Claims Against Germany, Julius Berman, told The Associated Press ahead of the ceremony.
"While a person came out of the camps very young and eventually developed a life of their own over the years, the impact of what happened at the beginning is now coming to the fore. Whether it's mentally or physically, they're sicker than their peers of the same age."
Holocaust survivor Roman Kent said his experience is something that he will never be able to forget.
"Just witnessing the atrocities committed at the gate entering Auschwitz-Birkenau is more than enough to keep me awake at night until the end of time," he said.
But he stressed that he does not hold current generations of Germans responsible for the past, saying they are actually today united in purpose with Holocaust survivors.
"Both of us do not want our past to be our children's future," he said.
Germany has paid — primarily to Jewish survivors — some €70 billion ($89 billion) in compensation overall for Nazi crimes since the agreement was signed in 1952.
In one change to the treaty that Germany agreed to earlier this year, the country will provide compensation payments to a new category of Nazi victims — some 80,000 Jews who fled ahead of the advancing German army and mobile killing squads and eventually resettled in the former Soviet Union.
They became eligible Nov. 1 for one-time payments of €2,556 ($3,253). The amendment also formalizes an increase in pensions for Holocaust survivors living in formerly communist eastern Europe to the same as those living elsewhere — €300 ($382) per month — from the €200 to €260 ($255 to $331) they had been receiving.
Schaeuble said on Inforadio before the signing ceremony at Berlin's Jewish Museum that once Germany and the Claims Conference had identified the additional victims living in the east, it was only natural to include them in the compensation agreement.
"We still do not know the names of all of the victims," Schaeuble said. "The crimes of the Holocaust were so inconceivably enormous that you can't know all of the victims or those with claims, so you have to adjust it again and again."
Germany already increased payments this year for home care for Holocaust survivors by 15 percent over 2011, and has pledged to raise that further in 2013 and 2014.
Compensation has been ever evolving since the 1952 agreement, with annual negotiations between the Claims Conference and the German government on who should receive funds and how much will be paid.
Still, even 67 years after the end of World War II, there is much to set right, said Stuart Eizenstat, the former U.S. ambassador to the European Union who serves as the Claims Conference's special negotiator.
"One of the things that drives me is that with all of that, the best surveys out there are there are probably 500,000 survivors alive today worldwide and half of them are in poverty or very close to the poverty line," he told the AP. "This is an ongoing responsibility — this is not the end of the road."
Eizenstat said it is a tribute to Germany and officials there that the country continues to acknowledge responsibility for Nazi-era crimes — both with the compensation payments and also in its actions.
"I was very much taken by the degree to which they had come to terms with World War II and were dealing with its consequences, through mandatory Holocaust education; through seemingly small, but important, things like putting plaques in front of homes of Jews who had been expelled; by building a monumental above-ground Holocaust memorial right in the center of reunified Berlin," he said.
"It's a very sharp contrast to what Japan has done in recognizing their responsibilities… it's quite striking."
Conference chairman Berman said the fact that the German government decided to host an event to announce the latest results of negotiations with the Claims Conference at a Berlin event shows it remains committed.
"To me the most significant part of this event … is that the German government wanted it … telling again not only the whole world but more importantly telling the German people that it's not over," he said.
Inserito su www.storiainrete.com il 1 dicembre 2012


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Bittersweet or semisweet chocolate is recommended, and I used a bittersweet Callebaut. That was melted with butter in a saucepan over low heat. Cocoa powder was whisked into that mixture, and then three eggs were incorporated one at a time. Sugar, vanilla, and flour were added, and I included the optional toasted, chopped pecans as well. Half the batter was placed in the baking pan, and then one third of the suggested quantity of dulce de leche was plopped on top. It was swirled into the batter, topped with more batter, and more dulce de leche was spooned on top and swirled. I can't be sure that I used the correct amount of dulce de leche. It's entirely possible that I used a little extra and then set about greedily swiping what remained in the jar into my mouth. You're instructed to only slightly swirl the dulce de leche into the batter to avoid it baking into a bubbly mess. I don't know if I achieved perfection in swirlation, but the resulting brownies did not seem bubbly or messy.
Despite the fact that these brownies included dulce de leche and pecans which are two of my favorite things, I really baked them for Kurt. He liked them when they were first cut, but true to form, he was even happier with them after they had been chilled in the refrigerator. I usually disagree with this cold cookie and dessert bar preference of his, but I have to admit these brownies were great either way. Even chilled, the dulce de leche was luscious as ever, the chocolate was rich-tasting, and I'm not even a brownie fan.


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A collection of surfboards chronicling the history of surfing.
A collection of surfboards chronicling the history of surfing.
The California Surf Museum was founded in 1986 and has been in operation for three decades serving tens of thousands of annual visitors from over 40 nations around the globe. With a permanent collection which chronicles the history of surfboards and wave-riding, the museum also offers many revolving exhibits each year. In its current museum-quality space, it has acquired a rare set of archives and collections gathered over more than 30 years, comprising one of the world's richest troves of surfing history.
Email: email@example.com
Phone: (760) 721-6876
312 Pier View Way
Oceanside, CA 92054
Museum Store Open Daily:
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Exhibit Hall Open Daily:
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Adults: $7
Seniors (62+),
Military, Students: $5
Kids 11 and under: Free
CSM Members: Free
© 2024 California Surf Museum. All Rights Reserved. The California Surf Museum is a 501(c)(3), nonprofit organization EIN: 33-0215579. Information on this website is presented purely for educational and informational purposes. We do our best to be ADA compliant, to make sure our website provides meaningful access and effective communication to those with disabilities. Site design: Design Grotto


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235g/m265% polyester, 35% cotton twillelasticated back waist • five belt loops • two slanted front pockets • back pockettriple-needle top stitching • bar tacks at stress pointsorange/silver 50mm reflective tape detail on legslocally manufacturedYKK Zipday/night visibility
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That's also the only Oscars wreck I have, so from here on out it's all booze, guns, and gangster talk. Woohoo!
Hey, are you still packin'? Fork it over.
I mean that literally.
It's like disarming Germany.
If Germany had one giant icing bullet and a bunch of smaller, cupcake bullets, that is.
Matthew C., Aimee W., DB, Jennifer W., Robert K., Rachael F., & Marian R., let me show you the door. THERE'S THE DOOR!
Oh, and if you're completely lost right now, I'd suggest starting here.


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Microeconomics / Re: What's the difference between microeconomics and macroeconomics?
« on: August 28, 2021, 07:26:04 PM »
interesting topic
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Chicago, IL — U.S. Rep. Jesse Jackson Jr. and his wife could seriously be facing jail time after they agreed to plead guilty to charges in an alleged scheme to spend $750,000 in campaign funds on personal items — including furs, a gold watch, a football signed by U.S. presidents and even a hat once owned by Michael Jackson.
It wasn't immediately clear how much time either Jackson could end up doing when the legal drama inevitably reaches its climax before a federal sentencing judge within a few months. But judges frown on brazen breaches of public trust, said one former federal prosecutor, and that may mean the former Chicago congressman will likely to have to serve at least a few years behind bars.
"It shows hubris and arrogance that a politician sees his campaign coffers as his to spend as likes," said Jeff Cramer, who as an assistant U.S. attorney in Chicago worked on multiple corruption cases. "With these kinds of charges, I cannot imagine him not going to prison … for 3 1/2 or 4 1/2 years."
He thought Sandi Jackson, at most, would spend several months in prison.
Prosecutors are reluctant to ask judges to send couples with school-age children, like the Jacksons, to prison for long terms at simultaneously — so it's possible, Cramer said, that the government will seek to stagger their sentences in such a way that the Jacksons aren't behind bars at the same time.
Federal prosecutors on Friday filed one charge of conspiracy against the former congressman and charged his ex-alderman wife, Sandra, with one count of filing false joint federal income tax returns for the years 2006 through 2011 that knowingly understated the income the couple received. Both agreed to plead guilty in deals with federal prosecutors.
Both face maximum penalties of several years in prison; he also faces hundreds of thousands of dollars in fines and forfeitures. But the government did not immediately release the text of its plea agreements. Such agreements almost invariably call for prosecutors to recommend sentences below the maximum.
The son of a famed civil rights leader, Jackson, a Democrat, entered Congress in 1995 and resigned last November. Sandi, as she's known, was a Chicago alderman, but resigned last month amid the federal investigation.
Jackson used campaign money to buy a $43,350 gold-plated, men's Rolex watch and $9,587.64 on children's furniture, according to court papers filed in the case. His wife spent $5,150 on fur capes and parkas, the document said.
"I offer no excuses for my conduct, and I fully accept my responsibility for the improper decisions and mistakes I have made," the ex-congressman said in a written statement released by his lawyers. "I want to offer my sincerest apologies … it is my hope that I am remembered for things that I did right."
Several messages left with Jackson's father, the voluble civil rights leader Jesse Jackson, were not returned Friday. The elder Jackson has often declined to comment about his son's health and legal woes over the past several months.
The government said, "Defendant Jesse L. Jackson Jr., willingly and knowingly, used approximately $750,000 from the campaign's accounts for personal expenses" that benefited him and his co-conspirator, who was not named in the one-count criminal information filed in the case. The filing of a criminal information means a defendant has waived the right to have a grand jury consider the case; it is used by federal prosecutors when they have reached a deal for a guilty plea.
The prosecutors' court filing said that upon conviction, Jackson must forfeit $750,000, plus tens of thousands of dollars' worth of memorabilia items and furs. The memorabilia includes a football signed by U.S. presidents, a Michael Jackson and Eddie Van Halen guitar, a Michael Jackson fedora, Martin Luther King Jr.
memorabilia, Malcolm X memorabilia, Jimi Hendrix memorabilia and Bruce Lee memorabilia — all from a company called Antiquities of Nevada.
The conspiracy charge carries a maximum statutory penalty of up to five years in prison, a fine of up to $250,000, and other penalties. U.S. District Judge Robert L. Wilkins is assigned to the case.
Tom Kirsch, an attorney for Jackson's wife said she has signed a plea agreement with federal prosecutors and would plead guilty to one tax count.
Kirsch said his client and her husband have supported each other. He said the ordeal has been stressful for Sandi Jackson, but she "expected to be held responsible … and wants to put (it) behind her and her family."
The charge against Sandi Jackson carries a maximum of three-year prison sentence. But Kirsch says the agreement "does not contemplate a sentence of that length."
The court papers said that Jackson filed false financial reports with the U.S. House of Representatives in an attempt to conceal his and his wife's conversion of campaign funds for their personal benefit.
A black and red cashmere cape cost $1,500, a mink reversible parka cost $1,200 and a black fox reversible cost $1,500, prosecutors wrote.
Jackson's resignation ended a once-promising political career tarnished by unproven allegations that he was involved in discussions to raise campaign funds for imprisoned former Illinois Gov. Rod Blagojevich in exchange for appointment — which never came — to President Barack Obama's vacated U.S. Senate seat. The House Ethics Committee, which no longer has any power over Jackson, may choose to issue a report on the matter.
Jackson denied any wrongdoing in the Blagojevich matter. But the suspicions, along with revelations that he had had an extramarital affair, derailed any aspirations for higher political office. It wasn't clear from the court papers whether the woman with whom he had the affair was among the half dozen people identified the documents by letters of the alphabet rather than by their names.
Since last June, Jackson has been hospitalized twice at the Mayo Clinic in Rochester, Minn., for treatment of bipolar disorder and other issues, and he stayed out of the public eye for months, even during the November elections.
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Global Robotic Nurse Assistant Market Analysis, Historic Data and forecast 2020
Summary - A new market study, titled "Global Robotic Nurse Assistant Market Research Report 2020" has been featured on
The research report includes specific segments by region (country), by company, by Type and by Application. This study provides information about the sales and revenue during the historic and forecasted period of 2015 to 2026. Understanding the segments helps in identifying the importance of different factors that aid the market growth.
Segment by Type
Disabled Population
Geriatric Population
Bariatric Population
Segment by Application
Home Care Setting
Research Institutes
Global Robotic Nurse Assistant Market: Regional Analysis
The report offers in-depth assessment of the growth and other aspects of the Robotic Nurse Assistant market in important regions, including the U.S., Canada, Germany, France, U.K., Italy, Russia, China, Japan, South Korea, Taiwan, Southeast Asia, Mexico, and Brazil, etc. Key regions covered in the report are North America, Europe, Asia-Pacific and Latin America.
The report has been curated after observing and studying various factors that determine regional growth such as economic, environmental, social, technological, and political status of the particular region. Analysts have studied the data of revenue, production, and manufacturers of each region. This section analyses region-wise revenue and volume for the forecast period of 2015 to 2026. These analyses will help the reader to understand the potential worth of investment in a particular region.
Global Robotic Nurse Assistant Market: Competitive Landscape
This section of the report identifies various key manufacturers of the market. It helps the reader understand the strategies and collaborations that players are focusing on combat competition in the market. The comprehensive report provides a significant microscopic look at the market. The reader can identify the footprints of the manufacturers by knowing about the global revenue of manufacturers, the global price of manufacturers, and production by manufacturers during the forecast period of 2015 to 2019.
The major players in the market include etc.
About Us:Wise Guy Reports is part of the Wise Guy Research Consultants Pvt. Ltd. and offers premium progressive statistical surveying, market research reports, analysis & forecast data for industries and governments around the globe.
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About Desertcart
desertcart Find Anything at Anytime in United Arab Emirates!
Online shopping has revolutionized the way people shop around the globe. We at desertcart have a better understanding of the online retail market and hence strive hard to provide you with the very best online shopping experience by providing top global brands and products at attractive prices. We are one of the best online shopping stores; that is truly a one-stop destination to find anything you desire. We assure you that you will definitely find things that are not easily available anywhere else; right here.
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Explore One of the Best & Trusted Online Shopping Stores in United Arab Emirates
desertcart provides a blissful experience whenever you shop online and it truly is a perfect eshop for all your varied shopping requirements. We focus on offering you a holistic and satisfying overseas online shopping experience every time you choose this popular online shop. We cater to a wide category of products, ranging from electronics, beauty and grooming, fashion to health care, supplements, and sports products through our ecommerce website that incorporates the latest in technology and safety. Our highly efficient customer support team is ever ready to assist and help you get all your products safely delivered at the earliest; from the best online store in United Arab Emirates.
Find the latest trending fashion staples like clothing, shoes, accessories to the latest in electronics like tablets, smartphones, laptops, and mobile accessories. Also explore top branded appliances like TVs, ACs, mixer grinders, juicers, washing machines to home furniture, toys, small appliances, and musical instruments by just browsing through our online stores that ship internationally. Get benefitted every time you do cross-border shopping, from one of the most trusted online shopping sites. This company has made online shopping abroad more enjoyable, efficient, and a truly rewarding experience.
Get Great Offers & Discounts on International Online Shopping at desertcart United Arab Emirates
You can easily buy online and also benefit from various online sales, offers, discounts, and promotions for festivals and special days like Black Friday, White Friday, Cyber Monday, etc. desertcart provides the best online shopping offers and discounts all around the year.
desertcart is definitely a popular online clothing store, online furniture store, and the best online shopping site in United Arab Emirates that can meet your needs and expectations. Even buying stuff like furniture online is so convenient and satisfying. Shopping online has now become much easier and interesting than ever before.
Enjoy doing online purchase in United Arab Emirates, with desertcart, the best online shopping website, and find all your dream stuff; which is just a click away and can be easily delivered through our worldwide shipping stores.
Top Product Categories
Beauty & Grooming
Have you always dreamt of looking stylish, stunning, and unique; but for some reason, you couldn't? Well, now is the time. desertcart's range of beauty and grooming products helps you look and feel more stylish and trendy. It's time to explore the beauty world and choose the perfect products that can help you to achieve your beauty goals. Having good skin and hair is indeed an asset that needs constant pampering and care to stay healthy and beautiful.
Whether you're a woman looking for the latest makeup items, or a man in search of new styling products, our beauty and grooming shop online offers everything to make you look and feel awesome and special. Find your favorite haircare, skincare, electronic beauty products, cosmetics, makeup and face products, etc to help you get a glowing skin complexion and the hair of your dreams. Some of our top brands include l'oreal, the ordinary, revlon, meaningful beauty, korean skincare, revitale beauty, cerave, neutrogena, aveeno, etc.
Subcategories: Bath & Body Care | Fragrance | Hair Care | Makeup | Skin Care | Personal Care Accessories | Men's Grooming | Bags & Cases | Bathing Accessories | Hair Styling Equipment | Makeup Brushes | Mirrors | Nail Accessories | Toiletry Accessories | Cotton Balls
Health Care
Taking care of your health is a major responsibility and necessity. With conditions like COVID-19 challenging mankind, it's pertinent to be in charge of your own health and wellness. We offer a comprehensive range of online healthcare and medicare products, ranging from medical equipment to vitamins and supplements, to help you and your family stay safe and healthy. desertcart provides high-quality health care products from top brands like pure encapsulations, nature made, oral b, cetaphil, colgate, etc. You can easily find top-quality health care products from the best global brands right here. We strive hard to help you to maintain your health and hygiene and stay healthy always!
Subcategories: Baby & Child Care | Medical Equipment | Oral Care | Personal Care | Sports Nutrition | Eye Care | Vitamins | Wellness products | Health Care
Health supplements can boost and revitalize your health to enable you to enjoy a better quality of life. desertcart provides a wide variety of supplements that can support your overall health right from your hair to your toes. Supplements basically help the body to improve nutritional intake to balance the availability of essential minerals and vitamins in order to ensure optimum performance of the body. We provide top-quality multivitamins, gummies, protein shakes, and powder, etc. Different supplements can support the various body parts like hair, skin, heart, gut, intestines, brain, nails, etc. Get these top-quality supplements easily at desertcart United Arab Emirates online store.
Subcategories: Multivitamins | Vitamins | Minerals | Herbal Products | Weightloss
Electronics have become an integral part of our lives. From mobile phones and laptops to TVs and music systems, we're surrounded by electronics all day long. desertcart's electronics online shopping store offers the best quality electronics from the top brands around the world. Whether you're looking for electronics for convenience or entertainment, we've got you covered. You can shop products from top global brands like Sony, Samsung, LG, HP, Acer, Asus, Panasonic, Hitachi, Vu, Mi, Phillips, etc. Photography enthusiasts can choose their favourite cameras and accessories from popular brands like Nikon, Canon, GoPro, Fujifilm, etc.
Subcategories: Camera | Car Electronics | Computers | Mobile Phones | Audio & Video | Office Electronics | Video Games | Wearables
Gift your kids the latest toys in the market with desertcart's online shopping store for toys and baby items. Our kids' store features an extensive collection of toys, including action figures, art & craft, building toys, games, video games, puzzles, kid's furniture, and more. Besides, we offer toys, figures, and puzzles for adults, too!
Subcategories: Arts & Crafts | Building Toys | Baby & Toddler Toys | Dolls | Dress Up Games | Electronics for Kids | Games | Toys for Adults
desertcart's online shopping for baby products makes taking care of kids more enjoyable, easy and convenient. We provide a wide range of baby and childcare products from top brands including dresses, car seats, diapering items, toiletries, baby safety items and baby travel products. Some of the top brands include Johnsons, Dove, Aveeno, Gerber, Graco, Toyzone, etc.
Subcategories: Bathing & Skin Care | Car Seats | Diapering | Feeding | Activity | Gifts | Health & Care | Nursery
Our sports online shopping store is a paradise for sports enthusiasts and professionals. Whether you are a professional or an amateur, our comprehensive collection of top branded sports products and equipment ensures you give your best on the field, every day and develop your skills further.
Subcategories: Clothing | Fitness | Hunting | Game Rooms | Team Sports | Sports | Sports Accessories | Sport Aids
Home & Kitchen
Do you love spending more time at home? Then cooking your favorite meals in the kitchen is a feeling worth cherishing. Choose home and kitchen online shopping options to find a huge variety of products, right at home. Our home and kitchen product range includes items for home decor, cooking, home appliances, dining, cleaning, storage, and much more.
Subcategories: Furniture | Small Appliances | Kitchen | Others | Household Supplies
Fashion & Accessories
Love to look cool and trendy always? We help you to look your best every single day. Our fashion store for online shopping features clothing, apparel, and accessories for men, women, and kids. It doesn't matter what your purpose is for an office, casual, or travel; our collection of superior quality fashion products will always make you look and feel better. We also offer a huge collection of branded watches, sunglasses, shoes, sports apparel, T-Shirts, Jeans, etc.
Subcategories: Men | Women | Boys | Girls | Baby Girls | Baby Boys | Luggage & Travel
The benefits of reading are no longer a mystery. However, figuring out which books to reach can be a challenge. Being one of the best international online shopping sites for books, desertcart offers an exclusive collection of books from the top reading categories, like self-help, fiction, non-fiction, business, technology, and much more.
Subcategories: Arts & Photography | Biographies | Business | Children's Books | Christian Books | Comics | Technology | Cookbooks | Crafts
Top-Selling Brands:
Garnier | Lego | Disney | Boiron | Pfizer | Patanjali | Lovense | Neurobion | Lc Waikiki | Captain Black | Health Tone | Daiso Japan | Amway | Oriflame | Chivas Regal | Solaron | Aldara | Forcefield | Vagisil | Sour Patch Kids | Dabur | Colgate | Samsung | Salty Bonz | Downy | Heinz | Clinique | Lucky Charms | Bisupply | Lakme | Philips | Gourmet | Barbie | Biotique | Enfamil | HP | Baidyanath | Bio Nutrition | Uniqlo | Gymshark | Patchi | Costco | Primark | Yuntu | Nykaa | Debenhams | Secret Lab | Sujata | Smiggle | Desigual | Patpat | Zalando | Airsoft | Elishacoy | Deyga | Lidl | Ivermectin | Paperchase | Al Fakher | Hamdard | Giant Bicycles | Anime Store | Herbalife | Starbuzz | De Backers | Kottakkal | Arya Vaidya Sala | Louis Vuitton | Neo Hair Lotion | Antminer | Fabindia | Nexium | Vilvah | Iqos | Red Tag | L'Oreal Paris | Neutrogena | Wilton | Now Foods | Kirkland Signature | Panoxyl | Generic | Cerave | Himalaya | Cheetos | Miracle-Gro | Gerber | Nature's Bounty | Funko | Revlon | 3M | Munchkin | Solgar | Starbucks | Centrum | Aveeno | The Ordinary | Maybelline New York | Nestle Coffee Mate
Top Searches:
Accessories | Accessories for Kids | Accessories for Men | Accessories for Women | ACs | Action Figures | Apparel | Appliances | Art & Craft | Baby Products | Baby Safety Items | Baby Travel Products | Beauty and Grooming | Bicycle | Books | Building Toys | Business Books | Cameras | Camping | Car Seats | Casual Clothing | Childcare Products | Cleaning | Clothes | Clothing | Cooking | Cooking Appliances | Dining | Dresses | Educational Toys | Electronics | Entertainment System | Fashion | Fashion Products | Fiction Books | Flashlights | Furniture | Games | Gaming Chair | Gaming Laptops | Gaming PC | Health and Wellness | Health Capsules | Health Care | Health Products | Health Supplements | Healthcare Products | Herbs | Home & Kitchen | Home Appliances | Home Decor | Home Furnishing | Home Products | Juicers | Kid's Furniture | Kitchen Appliances | Kitchen Items | Kitchen Products | Kitchen Utensils | Laptops | Lipsticks | Makeup Items | Medical Equipment | Medicare Products | Mixer Grinders | Mobile Accessories | Mobile Phones | Music Systems | Musical Instruments | Noise Cancelling Headphones | Office Clothing | Paintings | Perfumes | Phone Cases | Photography | PlayStation Consoles | Puzzles | Retro Gaming | Safety Products | Shoes | Smartphones | Sound Bar | Sports | Sports Equipment | Sports Products | Storage | Styling Products | Supplements | Survival Gear | Tablets | Toiletries | Tools and Equipment | Toys | Travel Clothing | TVs | Video Games | Vitamin | Washing Machines | Watches | Wellness Products


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Amsterdam is the capital of the Netherlands. With more than one million inhabitants in its urban area, it is the country's largest city and its financial, cultural, and creative center. Amsterdam is colloquially known as ''Venice of the North'', because of its lovely canals that criss-cross the city, its impressive architecture and more than 1,500 bridges. What makes Amsterdam so attractive?... Is the 17th century historical atmosphere combined with the mentality of a modern metropolis creating a friendly and relaxed environment. The small scale of the buildings and the intimacy of the streets, canals and squares create an atmosphere that visitors find unique. There is something for every traveller's taste here, whether you prefer culture and history, serious partying, or just the relaxing charm of an old European city!
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