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|Current Conditions
|46 %
|NE 19 mph
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Hawaiian Islands Synoptic Discussion and Guidance
Area Forecast Discussion
National Weather Service Honolulu HI
814 PM HST Mon Sep 16 2019
Moist and unstable conditions associated with an upper disturbance
and surface trough of low pressure in the vicinity of the islands
will keep the potential for locally heavy showers in the forecast
overnight into Tuesday. A return of drier air and more stable
conditions is anticipated from east to west Tuesday night through
Thursday. Increasing moisture and rain chances will become a
possibility once again over the upcoming weekend.
Water vapor imagery showed a broad upper low centered a several
hundred miles north-northwest of the islands with plenty of middle-
to upper-level moisture pooling northeastward across the region to
its southeast. Recent satellite-derived precipitable water (PW)
imagery reflected this with pockets of higher moisture near or
around two inches over the western end of the state, which is well
above average. This upper feature combined with a tropical
disturbance several hundred miles south-southwest of Kauai and
plenty of deep tropical moisture continues to fuel spotty heavy
showers this evening. Latest radar loop showed a plume of moderate
to heavy showers developing downwind of Oahu over the Kauai Channel
that was expanding in coverage toward Kauai.
The short-term guidance (through Tuesday) remains in good agreement
and depicts a similar pattern continuing, which will keep the
potential for localized heavy showers in the forecast. The better
instability and deep tropical moisture are forecast to hold over the
western end of the state as the aforementioned tropical disturbance
south-southwest of Kauai slowly lifts northwestward. Model PWs will
hold around two inches over these areas (highest Kauai). Light to
moderate low-level east-southeast flow will prevail, which could
translate to localized sea breezes Tuesday afternoon. Conditions
will gradually improve over the eastern end of the state, as more
stable and drier air move in from the east.
Guidance remains in decent agreement Tuesday night through the
second half of the week and reflects a return of drier and more
stable conditions. Consensus shows the bulk of the deep tropical
moisture shifting west of the islands, closer to the tropical
disturbance lifting northwestward. This will translate to decreasing
rainfall coverage. East-southeast low-level flow will likely hold
through midweek, depending on how this tropical feature evolves,
before shifting back to a more typical easterly direction around
Despite some differences between the various model solutions, a
return of light winds and increasing moisture (two inch PWs) will be
possible Friday night into the upcoming weekend as a trough
associated with a tropical disturbance to the south moves through.
Added instability associated with an upper low setting up over the
state combined with this moisture will support increasing rainfall
A high pressure center far north of the Hawaiian Islands will keep
light to moderate trade winds in the forecast for the next 24
hours. Sea breezes will develop along the sheltered western slopes
of each island with some variability in wind directions along
most southwest sides of each island.
Deeper moisture and instability will linger over Kauai on Tuesday
with enhancements to both clouds and showers, with brief periods
of MVFR conditions possible. Elsewhere expect drier conditions
with more typical windward and mountain showers favoring the
overnight and early morning time periods.
AIRMET Zulu remains in effect for light icing 160-FL280. No other
AIRMETs in effect.
Moderate to locally fresh east-southeast winds will hold through
midweek as a tropical disturbance to the south-southwest lifts
northwestward. A shift back out of a more typical east to
northeast direction is expected Thursday through Friday. This
transition will be short-lived, however, due to an approaching
trough from the east-southeast. Guidance shows a return of light
to moderate east-southeast flow late Saturday through the second
half of the weekend, which would support localized land and sea
breeze conditions near the coast.
A series of small swells from the southwest, south, and southeast
is expected this week. The largest of these swells looks to be
towards the end of the week as a combination of a long-period
south-southwest swell and potential short-period southwest swell
moves in across the area. Surf heights are expected to be below
advisory levels with these swells.
Small surf is expected along north, east and west facing shores
through the new week. Expect a small east swell from Tropical
Cyclone Kiko as early as Wednesday along exposed east facing
shores and likely continuing through the weekend. Exposed west
shores may see some of the aforementioned southwest swell on
Friday. A small northwest swell will be possible late in the
weekend into early next week.
Bulletins, Forecasts and Observations are courtesy of Honolulu National Weather Service Forecast Office


text:
MV Weather Report: Bulls Make It Rain, Rain, Rain
Rain or shine, we review the day's biggest stock stories.
The reason for the strong day was the better-than-expected economic data. But the strength that lifted the S&P 500 3.39% was truly across the board: Baidu (BIDU), Apple (AAPL), and First Solar (FSLR) were just a few tech names that gained on the day.
The commodities stocks also had big up days, including Potash (POT), Transocean (RIG), Arch Coal (ACI), and Dryships (DRYS). The real winners of the day were the banks, which shrugged off news that Bank of America (BAC), Citigroup (C) and most likely Wells Fargo (WFC) would need more capital according to the stress tests.
Here's a Buzz from Minyan Peter.
"For decades bank executives and regulators have somehow found a way to keep regulatory exam results confidential and yet these same folks somehow can't seem to keep stress test results quiet for all of a week.
"And judging by the headlines it looks like the leaks are now coming from both sides.
"Given the surreal nature of this whole "transparent" Stress Test thing, might I recommend that they just settle things WWF style: Like "Tiny Tim" Geithner in the ring with Vikram "The Bandit", or maybe Sheila "Don't call me Teddy" Bair tag teaming with Ken "Please Still Call Me Chairman" Lewis.
"The whole thing is just that bizarre. And how it all gets tied up in a bow by Thursday night confounds me."
Minyan Peter's Buzz is both funny and incisive. I think it's a little strange that the stress-test results keep getting leaked - and yet the market keeps going higher. Is this the market's way of saying the stress tests are a joke?
As for tomorrow, it's Turnaround Tuesday. Earnings have really slowed down, there will be a 10:00 ISM Services announcement. Below is a preview of the announcement from Jack Lavery's weekly report.
"We expect the non-manufacturing ISM to rise modestly to 42.5 in April, up from 40.8 in March. This expectation would be slightly stronger, actually less weak, than the consensus call of 42.0. There are negative seasonal adjustment factors constraining the April reading. ISM is also a diffusion index, so readings below 50.0 denote contraction. At 42.5, our expectation is one of continued contraction, albeit above the recent low point of 37.4 reached in November 2008. Improved consumer confidence and the latest read from the Economic Cycle Research Institute (ECRI) are encouraging. The ECRI measure, while still in recession territory and down 17.4% on a year-over-year (YoY) basis, is at its highest reading in 13 weeks. The preceding weekly observation had shown an 18.6% decline YoY."
It's really hard to buy the market, given where it is now - but Minyans should keep S&P 943 on their radar. It's the high for the year.
Have a great night!
- 1
The information on this website solely reflects the analysis of or opinion about the performance of securities and financial markets by the writers whose articles appear on the site. The views expressed by the writers are not necessarily the views of Minyanville Media, Inc. or members of its management. Nothing contained on the website is intended to constitute a recommendation or advice addressed to an individual investor or category of investors to purchase, sell or hold any security, or to take any action with respect to the prospective movement of the securities markets or to solicit the purchase or sale of any security. Any investment decisions must be made by the reader either individually or in consultation with his or her investment professional. Minyanville writers and staff may trade or hold positions in securities that are discussed in articles appearing on the website. Writers of articles are required to disclose whether they have a position in any stock or fund discussed in an article, but are not permitted to disclose the size or direction of the position. Nothing on this website is intended to solicit business of any kind for a writer's business or fund. Minyanville management and staff as well as contributing writers will not respond to emails or other communications requesting investment advice.
Copyright 2011 Minyanville Media, Inc. All Rights Reserved.
Daily Recap Newsletter
entertainment, education and
smart market commentary.

subset: commoncrawl


text:
Introduction To Wooden Bathroom Wall Cabinets
Let me give you an insight about a wooden bathroom wall cabinet. This item is functional to store various bathroom related knickknacks and items. The beauty products like soap, hand and body lotion and shampoo can be stored here so that you keep the space organized. Imagine if the bathroom is filled with clutter. You will feel bad about it. Make it enticing and comfortable with great organization especially if you have a very small bathroom. All items should be kept hidden inside the cabinet to remove clutter and present clean flair.
A pedestal basin is sleek and compact. However, there is no space left for the vanity or wall cabinet. If you want additional storage space, pick a under mounted sink or a bowl sink so that you can put this sink at the top part of the vanity or bathroom wall cabinet. It is a genius choice to maximize the storage space in the bathroom. Make sure that the new cabinet coordinates well with other furniture pieces like wall mounted shelves and racks.
The materials for modern and traditional bathroom wall cabinets are available in a number of options. The most popular one is made of wood. It can be hardwood or soft wood. If you have a cottage or countryside cabinet, the log wooden wall cabinet should be on the list. The modern setting should be decorated with a sleek and glossy wooden cabinet, which does not have ornamentation and details. It should be modular and compact, yet it provides ample space for storage.
The price is always the main concern when purchasing a new wooden bathroom cabinet. You have to spend around $300 to $500 for a simple wall cabinet in standard size. Choose a high end glossy white cabinet if the wall is painted in dark color like matte grey and jet-black tone. It looks great for contemporary or modern setting. A traditional bathroom design looks enticing with elaborate and bulky wall cabinet. It has decorative cabinet doors and distressed finish. If you are a DIY enthusiast, why don't you build your own wall cabinet? Use a reclaimed wooden sheet to create a rustic styled cabinet.


text:
June 2014/
Freelance journalists toil in isolation and obscurity. The isolation comes with the territory: After the excitement of the research – travel to exotic destinations, interviews with specialists, online exploration – it's you, a blank screen and one word at a time. Obscurity is a little more complicated. As journalists, our bylines are out there, of course. But feedback is surprisingly scant and most reliable when it's negative.
So when recognition comes, lifting the dual cloaks of isolation and obscurity, it's as much a deer-in-the-headlights moment as it is a thrill.
Winnie Bird and I have received the Society of Environmental Journalists' 2014 Outstanding Feature award for "A Tale of Two Forests: Addressing Postnuclear Radiation at Chernobyl and Fukushima." It appeared in Environmental Health Perspectives in March 2013. I view this honor as a tribute to many scientists who gave us so much of their time and expertise, fine editing by Susan Booker, and my collaboration and friendship with Winnie.
Here's what the judges had to say:
As the cliché goes, you can't know where you are headed unless you know where you've been, which is what makes "Tale of Two Forests" both an exceedingly vital and original piece of environmental feature writing. The best stories are those that make other journalists wish they had thought of it first, and that's certainly the case with their compelling and meticulously researched examination of how the nuclear disaster at Chernobyl should — but isn't necessarily — guiding the actions of those cleaning up after Japan's Fukushima meltdown.
We dedicate this award to the people of Chernobyl and Fukushima who lost lives, livelihoods, homes and the places they love.


text:
wolf(redirected from Wolf Hugo)
Also found in: Dictionary.
n. a bold and aggressive male. (see also fine wolf.) He sees himself as a lady-killer. The chicks see him as an old-fashioned wolf.
- A growing youth has a wolf in his belly
- a lone wolf
- a wolf in sheep's clothing
- between dog and wolf
- buy a/(one's) wolf ticket
- buy wolf ticket
- buy wolf tickets
- cry wolf
- cry wolf, to
- cut (one's) wolf loose
- cut one's wolf loose
- cut wolf loose
- fine wolf
- growing youth has a wolf in his belly
- have a wolf by the ears
- have a/the wolf by the ear(s)
- hold a wolf by the ears
- keep the wolf from the door
- keep the wolf from the door, to
- lone wolf
- man is a wolf to man
- put (one's) head in the wolf's mouth
- sell a wolf ticket
- sell wolf tickets
- The wolf is at the door
- the wolf is at the/(one's) door
- When poverty comes in at the door, love flies out of the window
- wolf
- wolf at the door
- wolf at the/(one's) door
- wolf down
- wolf in sheep's clothing
- wolf in sheep's clothing, a
- wolf something down
- wolf whistle
- wolfpack


text:
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Every effort has been made to ensure the information contained on the Website is correct, however Pearl Bridal House makes no warranty as the accuracy, comprehensiveness, or correctness of any products on the Website, and provides all products on an "as is" basis.
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Last Updated: April 28, 2016


text:
On September 25, 2009, the Commission of the European Communities produced a proposal for EU-level macro-prudential regulation and supervision, "Proposal for a Regulation of the European Parliament and of the Council on Community macro prudential oversight of the financial system and establishing a European Systemic Risk Board". It looks as though the EU Presidency (Sweden) and the Commission are trying to get this proposal adopted in a hurry.
I recognise the need for EU level regulation and supervision of macro-prudential risk and support EU-level Colleges or Agencies to supervise systemically important cross-border banks, other financial institutions, markets and instruments. Unfortunately, the design of the proposed European Systemic Risk Board (ESRB) is a shambles. The composition of the General Board, the Steering Committee and the Advisory Technical Committee, the selection of the Chair of the General Board and the Steering Committee (the same person), the selection of the Chair of the Advisory Technical Committee (appointed by the General Board on a proposal from its Chair) and the nature of the Secretariat are ludicrously lopsided in favour of central banks in general and of the ECB in particular. It is high time to have a re-think, before the EU adopts and implements a financial and political disaster.
(1) This is it
The European Commission's proposal is worth quoting at length. In this Section, all quotes are in italics. My own comments are in regular characters.
6.1. Establishment of the ESRB
The ESRB is an entirely new European body with no precedent, which shall be responsible for macro-prudential oversight. The objective of the ESRB shall be threefold:
- It shall develop a European macro-prudential perspective to address the problem of fragmented individual risk analysis at national level;
- It shall enhance the effectiveness of early warning mechanisms by improving the interaction between micro-and macro-prudential analysis. The soundness of individual firms was too often supervised in isolation with little focus on the degree of interdependence within the financial system;
- It shall allow for risk assessments to be translated into action by the relevant authorities.
6.2. Tasks and powers of the ESRB
The ESRB will not have any binding powers to impose measures on Member States or national authorities. It has been conceived as a "reputational" body with a high level composition that should influence the actions of policy makers and supervisors by means of its moral authority.
6.2.1. Warnings and recommendations
An essential role of the ESRB is to identify risks with a systemic dimension and prevent or mitigate their impact on the financial system within the EU. To this end, the ESRB may issue risk warnings. These warnings should prompt early responses to avoid the build-up of wider problems and eventually a future crisis. If necessary, the ESRB may also recommend specific actions to address any identified risks.
ESRB recommendations will not be legally binding. However, the addressees of recommendations cannot remain passive towards a risk which has been identified and are expected to react in some way. If the addressee agrees with a recommendation, it must communicate all the actions undertaken to follow what is prescribed in the recommendation.
If the addressee does not agree with a recommendation and chooses not to act, the reasons for inaction must be properly explained. Hence, recommendations issued by the ESRB cannot be simply ignored.
The ESRB shall decide on a case by case basis whether warnings and recommendations should be made public.
Comply or explain, in short.
6.5. The internal organisation of the ESRB
The ESRB shall be composed of: (i) a General Board; (ii) a Steering Committee and (iii) a Secretariat.
6.5.1. The General Board
The General Board is the decision making body of the ESRB and as such, will be responsible for the adoption of the warnings and recommendations described in section 6.2.1 of this explanatory memorandum.
The members of the General Board with voting rights are:
- the Governors of national central banks; (currently 27)
- the President and the vice-President of the ECB; (2)
- a Member of the European Commission; (1)
- the Chairpersons of the three European Supervisory Authorities; (3).
The members of the General Board without voting rights are:
- one high level representative per Member State of the competent national supervisory authorities; (currently 27, assuming there can be no more than one competent national supervisory authorities; we already know there can be at least one incompetent national supervisory authority; if the competent national supervisory authority is the central bank, that central bank gets a non-voting member of its own as well as its voting Governor member)
- the President of the Economic and Financial Committee; (1). This is the committee established pursuant to Article 114 of the Treaty establishing the European Community.
Until the EU expands its membership, the membership of the General Board would therefore be 61, enough to run a small football league. This is not a body that will do anything useful.
6.5.2. Chairperson
The Chair will be elected for 5 years from among the Members of the General Board of the ESRB which are also Members of the General Council of the ECB. The Chair will preside the General Board as well as the Steering Committee and instruct the Secretariat of the ESRB on behalf of the General Board. The Chair shall be able to convene extraordinary meetings of the General Board on its own initiative. As regards voting modalities within the General Board, the Chair will have a casting vote in the event of a tie. The Chair shall represent the ESRB externally.
What is interesting here is that, because the General Council of the ECB includes the 6-member Executive Board and the 27 Governors of the national central banks (NCBs), it could, in principle & in theory be possible for someone other than the President of the ECB to be the Chair of the ESRB, including a Governor of an NCB that is not part of the Eurosystem. In practice, because the Governing Council of the ECB (the six Executive Board members plus the Governors of the sixteen NCBs that are also members of the Eurosystem), which is a subset of the General Council, has 18 voting members on the ECB General Board (the President and the Vice-President of the ECB and the Governors of the 16 Eurosystem NCBs), it will always be able to have its way, as the total number of voting members is 33.
6.5.3. The Steering Committee
Given the size of the General Board -which will comprise a total of 61 members-, a Steering Committee will assist the decision-making process of the General Board. The Steering Committee will prepare the meetings of the General Board, review the documents to be discussed and monitor the progress of the ESRB's on-going work.
The Steering Committee will comprise the Chair and Vice-Chair of the General Board, the Chairpersons of the three ESAs, the President of the EFC, the Member of the Commission and five members of the General Board which are also members of the General Council of the ECB (12 members).
Note that central bankers will dominate the Steering Committee, with seven out of 12 members. The Chair of the Steering Committee is the same person as the Chair of the General Board, all but certain to be the President of the ECB.
6.5.4. The Secretariat
The ECB will ensure the Secretariat to the ESRB. The Secretariat will receive instructions directly from the Chair of the General Board.
Who was surprised that the ECB will 'ensure' the Secretariat to the ESRB?
6.5.5 The Advisory Technical Committee and other sources of advice
The role of the Advisory Technical Committee (hereinafter, referred to as the "ATC") is to provide advice and assistance to the General Board on the issues that are within the scope of the ESRB, on request from the latter.
The members of the ATC are:
- one representative of each national central bank
- one representative from the ECB
- one representative of the national supervisory authority per Member State
- one representative of each European Supervisory Authority
- two representatives of the European Commission
- one representative of the EFC.
The Chair of the ATC shall be appointed by the General Board on a proposal from its Chair.
Note that, because for quite a few member states the representative of the national supervisory authority will come from the central bank, it is quite likely that the ATC will have a majority of central bankers on it. Its chair is effectively in the gift of the President of the ECB.
(2) Central banks are wildly over-represented on the proposed ESRB
Six arguments support the view that central banks are greatly over-represented on the proposed ESRB.
(1) The ECB, the Eurosystem NCBs and the rest of the EU NCBs have not exactly covered themselves with glory in the area of macro-prudential supervision and regulation during the past decade. Like the Fed, they failed to foresee the financial crisis let alone to prevent it. Like the Fed, the ECB and most other EU central banks contributed over a period of many years to the unsustainable credit and asset market boom and bubble that turned to bust starting in August 2007. They did so by keeping interest rates too low for too long, by failing to control the excessive growth of credit and the broad monetary aggregates, and by failing to diagnose the excessive leverage, and the maturity and liquidity mismatch that was building up in the banking sector and shadow banking sector balance sheets.
In Germany, the Bundesbank failed to diagnose the deep rot in most of the Landesbanken, and the excessive leverage of its main cross-border banks; in Spain, the Banco de España, despite being widely admired for its pioneering of dynamic provisioning, failed to recognise the wildly excessive exposure of its regional Cajas to the construction industry, developers and the housing market generally. The Banque de France missed an epochal fraud at Société Generale. The Dutch central bank missed the ball completely with the ABN-Amro take-over and the subsequent collapse of Fortis. The litany of central bank failure is endless.
It makes no sense to turn over control of the task of macro-prudential supervision to a set of institutions that have manifestly failed to do the job properly at the latest time of asking. They have no track record of competence in macro-prudential supervision.
Clearly, as the ultimate providers of domestic-currency-liquidity of the highest quality, central banks have to be actively involved in maintaining financial stability and in restoring it should it become impaired. They should not be put in charge of the activity, however. Arguments to the contrary, including those made by the Fed (in its opposition to proposals for a new council of financial regulators who would collectively rule the financial stability roost, rather than conceding supremacy to the Fed or a to body dominated by the Fed,) have no intellectual merit and are best explained as manifestations of the very human and institutional desire for more turf.
(2) The central banks in control of the ESRB would be conflicted in the use of their instruments, especially in the setting of the short-term interest rates under their control, by the potentially clashing demands of price stability and financial stability. This point has been made many times, but does not get any less convincing because of its frequent invocation.
(3) Macro-prudential regulation and supervision inevitably involves guiding and direction the actions of, and even determining the fate of, large systemically important individual financial institutions. Such institutional life-or-death decisions involve property rights and other important distributional and wider political dimensions, as well as technical issues. They are inherently political, even party-political. The independence of the ECB in the area of price stability could be undermined if it were to play a dominant role in macro-prudential regulation and supervision.
(4) The proposed construction ignores the central fiscal dimension of financial stability. Although there was much that was flawed about the UK model of financial stability management, its tripartite nature has to be a feature of any viable system for macro-prudential management. The key financial stability related competencies are (1) liquidity provision; (2) prescribing and proscribing behaviour of financial actors and (3); solvency support. These three functions or competencies can be performed by three different institutions, with the central bank engaged in liquidity provision, the Treasury providing tax payer support for under-capitalised systemically important institutions and a regulator/supervisor telling financial institutions what they must do and/or cannot do. These three functions or competencies can also be bundled in just two organisations (typically the Treasury for the solvency support and the central bank for liquidity support and regulatory and supervisory authority), or even by just one: the Treasury taking over the functions of the central bank and the regulator/supervisor.
Regardless of how these tasks are structured institutionally, the recent crisis has made it clear that without the ultimate support of current and future tax payers (managed through the Treasury), either there is no such thing as a safe bank (or a safe highly leveraged institution with serious asset-liability mismatch as regards maturity, liquidity and currency mix), or safety for the banks can only be assured by abandoning the goal of price stability.
When central banks act on their own to recapitalise under-capitalised banks, as has been done on a large scale in the US and on a smaller but still significant scale in the Euro Area, the UK and Japan, they act in a quasi-fiscal capacity, that undermines important constitutional and legal prerogatives of the legislature. These quasi-fiscal operations of the central banks (through artificially low borrowing rates for banks, overvalued collateral and outright purchases of private securities at prices above fair value etc.) are in addition often opaque and non-transparent. They represent an abuse of seigniorage by an appointed, unaccountable authority. In the interest of good government, quasi-fiscal actions should be rooted out and replaced by explicit, transparent fiscal actions, including fiscal bail-outs.
Before banks are supplied with additional capital by the tax payer, however, the unsecured and secured creditors and other counterparties of the undercapitalised or borderline-insolvent banks should be asked to donate blood. In inverse order of seniority, haircuts should be applied to unsecured creditors and to secured creditors and other counterparties, or their (contingent) claims on the bank should be converted into common equity.
It is astonishing to have a proposal for a European Systemic Risk Board that does not find a place in the key decision-making bodies for the fiscal authorities – a place that ought to be at least as significant as that of the central banks. Indeed, a proper tripartite representation, with equal voting rights for central banks, fiscal authorities and regulators/supervisors, has much to recommend it.
(5) The proposed construction does not allow for the proper representation of the financial industry. Obviously, we don't want turkeys to turn up in large numbers to vote against Christmas. Industry representatives should, however, be present as a matter of course in a non-voting capacity. The expertise in the central banks, the regulators/supervisors and the ministries of finance concerning complex systems and convoluted financial instruments is quite inadequate as a foundation for effective macro-prudential management. We must get the banks, hedge funds and other financial institutions inside the tent.
(6) The proposed construction does not permit external, independent talent, knowledge and expertise to be brought to bear on the decision making process. There are independent experts outside the central banks, regulators/supervisors, ministries of finance and the (private) financial sector who would have much to contribute to a systemic risk board. Time to get such experts, be they at universities, think tanks or other research institutes on board.
No substantive accountability
The proposal repeats a feature of the design of the ECB that is most unwelcome: the absence of any substantive accountability. To the ECB (and to its architects), accountability means reporting obligations – nothing more. And indeed in the Commission's proposal it states:
6.6. Reporting obligations
"The ESRB shall be accountable to the European Parliament and to the Council and shall therefore report to them at least annually. The European Parliament and the Council may also require the ESRB to report more often."
Reporting obligations are part of what is sometimes called formal accountability. It means that the Agent or Trustee (the ESRB) is required to provide the Principal or Beneficiary (the Council, the European Parliament, the citizens of the EU) with the information necessary to assess how well the Agent/Trustee has performed with respect to its mandate. Substantive accountability means that the Principal(s) can impose sanctions on the Agent/Trustee if the performance of the Agent/Trustee is unsatisfactory in the eyes of the Principal(s).
Substantive accountability is lacking for the ECB, because it is logically incompatible with the extreme degree of independence accorded by the Treaty to the ECB in the conduct of monetary policy. That same extreme degree of independence the ECB enjoys in the pursuit of price stability, the Commission apparently also wishes to bestow on the ESRB in the pursuit of financial stability. This is implied by its proposal for two reasons. First, because accountability is, as with the ECB, defined purely in terms of reporting obligations, with no sanctions or punishment available to be imposed on the ESRB and its members should their performance not be up to snuff. Second, because the majority of the voting members of the General Board and the Steering Committee are members of the Governing Council of the ECB. The Executive Board members of the ECB and the 16 NCB Governors of the Eurosystem are inviolable and untouchable as monetary policy makers. How could they be fired, demoted, reprimanded, subjected to a pay cut or tarred and feathered and run out of town in their new capacity as members of the General Board and Steering Committee of the ESRB?
The lack of substantive accountability of the ECB as regards monetary policy should not be extended to the domain of financial stability, which is an inherently political rather than just a technical issue.
We need an EU level macro-prudential stability board. The current proposals for the ESRB are, however, deeply misguided, as they make the central banks the dominant players in the systemic risk game. Central banks have neither the technical knowledge, nor the tools and instruments nor the legitimacy to dominate the macro-prudential financial stability framework. Back to the drawing board.
Contrary to what I asserted in the first version of this note, the EFC is not a committee of the European Parliament. Rather, it gathers senior civil servants from national Ministries of Finance. It is de facto a preparatory forum for the ECOFIN Council. The relevant committee of the European Parliament is called the Economic and Monetary Affairs Committee. I am indebted to Carlomagno (firstname.lastname@example.com) for correcting my error.


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Kathy Gornik was co-founder and president of THIEL Audio, a privately held, engineering driven organization that performed research, design, and manufacturing of very high performance loudspeakers for the home and office. Gornik was responsible for THIEL's company vision, direction, policies, and marketing strategy. Gornik's leadership role in the electronics industry was long and illustrious, including service on the Consumer Electronics Association (CEA) board of industry leaders and executive board from 1995 to 2007. Her role on the executive board began with her audio board chairmanship from 1995 through 1997 followed by her vice-chairmanship of the executive committee from 2000 through 2002, chairmanship of CEA from 2003 through 2004 and official role as immediate past chairman 2005 through 2006. As executive board member of CEA, Gornik also served as a member of the Electronic Industries Alliance (EIA)-board of governors from 1995 to 2000 as well as a member of the National Science and Technology Education Partnership (NSTEP) board of trustees and its predecessor, the Electronics Industry Foundation, from 1995 to present.
In Kentucky, Gornik served as chairman of the board of the Bluegrass Institute for Public Policy Solutions (www.bipps.org) a state-based free market think tank that is committed to increasing liberty, prosperity and governmental accountability and transparency in Kentucky as well as reducing regulations and taxes and other hindrances to liberty and prosperity.
Gornik serves as chairman of the board of Newton's Attic (www.NewtonsAttic.org), a non-profit educational organization focused on inspiring young people to pursue engineering, robotics and physics through unusual and exciting educational methods.
Gornik is also the first ever recipient of the Bastiat in Business Award presented in April of 2008. The Bastiat Society is a non profit foundation for spreading free market ideas among business people and has honored Gornik with this award in recognition of her distinguished effort to promote free market ideas in the course of her professional life.
Gornik has also been honored as a Kentucky/Southern Indiana Entrepreneur of the Year, an award sponsored by Ernst and Young Inc. Magazine, and Merrill Lynch, and was selected as one of the Top 40 Women in Business by the central Kentucky magazine, The Lane Report, who also named THIEL Audio as the Small Business of the Year in 1994.
In her spare time, Gornik enjoys reading, hiking, and promoting individual liberty, limited government, and the benefits of the free market.


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Hillside Street, Hythe, CT21 - £450,000
This pretty part of Hillside Street sits within the desirable Conservation Area of the town, two roads back from the bustling High Street, with its range of interesting shops, boutiques, restaurants and cafes. The town is also well served by 4 supermarkets (including Waitrose, Sainsburys and Aldi), doctors' surgeries, etc.
The attractive, unspoilt seafront and picturesque Royal Military Canal are a short walk away together with a variety of sports and leisure facilities, including 2 golf courses, swimming pool, cricket, squash, bowls and lawn tennis clubs together with the Hotel Imperial Leisure Centre.
The area is fortunate in having particularly good communications with a main line railway station in Saltwood (Sandling - 2 miles) and access to the M20 (Junction 11 - 4 miles). The High Speed Link rail service to Stratford and St Pancras is available from Folkestone West (5 miles) and Ashford International (10 miles), with journey times of 53 and 37 minutes respectively. Eurostar trains to Paris and Brussels also depart from the latter. The Channel Tunnel Terminal is just over 3 miles away and the ferry port of Dover 12 miles away. (All distances are approximate.)
Nestled on Hythe's picturesque hillside, this characterful detached house has been extensively updated by the current owner. Other than general repair, plastering and redecoration the property has also benefitted from a smart modern kitchen and bathroom, upgraded wiring, a new central heating boiler and mainly replacement double glazed windows.
The house occupies a generous plot in an elevated position from where it commands a magnificent southerly aspect over the town and of the sea. It offers attractively presented split level accommodation of comfortable proportions and with the scope to extend further if required (subject to all necessary consents and approvals being obtained). The accommodation includes a useful entrance vestibule leading to the welcoming entrance hall where stairs lead up to the bedrooms and down to the living areas, off to the side is a bathroom and cloakroom. There is a generous sitting room with archway leading to a separate dining room, well fitted kitchen/breakfast room and three bedrooms. At the front there is a driveway before the single garage and to the rear the large south facing garden is partially walled.
...Read Less
Descriptions of the property are subjective and are used in good faith as an opinion and NOT as a statement of fact. Please make further specific enquires to ensure that our descriptions are likely to match any expectations you may have of the property. We have not tested any services, systems or appliances at this property. We strongly recommend that all the information we provide be verified by you on inspection, and by your Surveyor and Conveyancer.


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War of the Keepers
Presented by
Free of Charge and add another FUN dimension to the Beach Soccer Jam.
War of the Keepers is Free of Charge, FUN to watch (and play...), adding another FUN dimension to Beach Soccer Jam.
War of the Keepers
2017 Schedule
A fun and exciting test of skills for Beach Soccer Jam Keepers.
Are you brave enough to take the challenge?
If so, then read up...
Scoring System
A Keeper can score by: Throwing, drop kick, punting, place kick, and on a rebound from other goalie. Keepers cannot run, dribble or carry the ball forward in any way. You are allowed three steps to score, all rebounds are live.
Goal Kick or Throw When the ball crosses the goal line, after being last touched by the defending keeper, it is put into play by the attacking goalie, with a goal kick or a goal throw. Goal kicks or goal throws must be taken from the goal line.
Point System
If a game ends in a tie during the playoff, there will be two (1) minute overtime halfs. If the tie still exist at the end of overtime, we will go to penalty kicks. Each keeper will take three penalty kicks. If still tied we will go to sudden death until one keeper wins.


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10 Reasons Digital Marketing is the Power Link to More Business
The evolution of modern technologies seems to be increasing at an exponential rate, making it imperative for your business to have a presence online using digital marketing.
Not only are small and medium sized businesses trying to keep up with all the technological advancements, but the same can be said for the rest of the human race.
Digital marketing provides business owners with the tools and techniques needed to make their company compete, survive and even thrive in today's marketplace.
Here are 10 reasons why digital marketing would be a clever investment for 2016 and beyond, and an essential strategy to getting your business in the positive direction.
1. Levels The Playing Field For Your startup or Small Business
Digital Marketing provides small and medium sized businesses a chance to compete with large corporations and get their share of the targeted traffic.
Small businesses now have the ability and resources to perform sales and marketing processes that in the past have only been available to big businesses.
It's important that we utilize all the tools we have access to right now in order to keep this race a close one. Now that it is possible to orchestrate an online marketing campaign to boost awareness and reputation, it's imperative to fully harness the power at our fingertips.
2. More Cost-effective Than Traditional Marketing
Small businesses typically have extremely limited resources and capital, which is why it's crucial to have a cost-effective online marketing campaign that will bring them far more targeted traffic than the old days of traditional marketing.
Now you can have a marketing channel that delivers real results for you and your business. Instead of sending thousands of flyers out to residential homes in a particular zip code and hoping they check their mail and read your piece, your online marketing campaign can find your target audience in a precise and efficient manner– when they are actually looking to buy.
3. Delivers Higher Conversion Rates
Since the traffic that is getting to your site is targeted, the chances of them converting is higher than if they were just randomly appearing at your site. With organic search in particular, there's a purchasing intent.
The goal is not to get an insane amount of random traffic to your site, but rather to get the right people to your site who are looking for your particular product or service in hopes of them being ready to buy, or at least on the path to purchase.
This is why business owners are streamlining their marketing campaigns towards conversion optimization, which makes conversions the number one priority above anything else.
4. Generates Better Revenues
Of course, increased conversion rates will lead to increased revenue for your business, allowing your company to invest in other marketing campaigns that will further grow your business and make your presence known on the web.
This will open doors to bigger, better, and farther reaching markets not only locally, but globally.
5. Encourages Interaction With Target Audience
When people are on the hunt to purchase something, they usually are ready to buy right then and there.
If they come to your website through Google, or a link from social media, or perhaps a serendipitous event, having a nice looking website that is easy to use and navigate through will only encourage them to make a purchase on your site.
6. Caters To Mobile Users
It is more important than ever and getting more important by the day that the sites of small businesses be specialized for mobile users.
With more people searching on the go, it's crucial for your site to be easy to read and navigate no matter what size the device is, whether it's a PC, Mac, smartphone or tablet.
Most people have their phone at arms reach at all times, meaning you could possibly be connected to your potential customers 24/7.
7. Builds Brand Authority
The more conversions your site brings you, the more authority comes with it. Building authority and establishing a good web reputation is important for the longevity of your business.
As people begin to trust you and your company's online authority, you will begin to establish a relationship with your target audience, and you will begin to have loyal customers that will not only come back for more purchases, but will also promote your product or service throughout their own circles of people.
8. Provides Increased ROI
Once the ball gets rolling, you will begin to smile as you see the conversions and revenue increase more than ever, which will in turn give you an increased ROI for your marketing efforts. You can then invest that money further into your company for future endeavors and campaigns.
Since marketing campaigns are easily tracked and monitored, you will be able to see a steady flow of targeted traffic that will turn into sales and leads, further enhancing your ROI.
9. Drives People To Take Action
When people are reading through the material on your site, it's important that you give them periodic calls-to-action to encourage them to solve whatever issue they are having.
Hopefully, that will involve them using your product or service in the process, but the fact that you are encouraging to do so on your site, will only prove to be beneficial in motivating the potential customers on your site.
As you tell your audience what the next step is, be sure to think of clever ways of doing so that will plant the seed in their head that they have found what they are looking for.
10. Prepares Your Business For The "Internet Of Things"
Perhaps the most important reason of all to have a digital marketing campaign for your business – to prepare for the "Internet of Things."
The "Internet of Things" will be a global ecosystem of interconnected devices, such as smartphones, tablets, wearable devices, appliances, etc., that will have the ability to interact with each other through the internet.
Looking like the Sci-Fi era is here, we are expected to have 24 billion gadgets by the year 2020.
A successful digital marketing campaign will ensure your site is part of the interconnected ecosystem-grid, giving you window access to reach out to target audiences belonging to this grid.
Divine Tumenta is an entrepreneur and professional digital marketing expert who has worked in digital marketing for more than 8 years. He is currently founder and CEO of backlinkfy.com and a go to consultant for startups and small businesses in the USA.


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Instant DIGITAL DOWNLOAD: Red, Blue and Yellow Dala Horse
- 1x high resolution (300 dpi) PDF - size 8x10 inches
I would be more than happy to adjust the size for you, please leave your request in the comments when you order or send me a DM.
**This is a DIGITAL file only. You will receive a link to the email address associated with your Etsy account to download the file after you purchase. You will not receive a hard copy.***
**You can have your digital art printed at any local printer or you can print it yourself using your own printer. The quality of the print will depend on your printer and paper used. I recommend card stock.
**All designs are created by me Lindsay of little duck + owl. Purchases are for personal use only. This purchase can not be resold/redistributed or used for commercial purposes. In no way, should a profit be made with out written permission from little duck + owl.


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Customer Reviews
* FTC Disclaimer: The views and opinions expressed by contributors of the product reviews are their own and not necessarily those of Netrition.com. These reviews should not be taken as recommendations but rather customer opinions of the products that they may or may not have used. Furthermore, Netrition.com makes no warranty or representation, expressed or implied, as to the accuracy or sufficiency of the information contributed by outside sources, and assumes no responsibility or liability regarding the use of such information. Netrition.com does not warrant the performance, effectiveness or applicability of any materials listed or linked to on Netrition.com.
February 20, 2012Reviewer: Josh in Massachusetts* Decided to buy a box of Perfect Rx because they were on sale. Perfect Rx is clearly a direct copy of the nutritional profile of one of my favorite RTD's. Even the protein blend is a copy. Problem is, Perfect Rx has a very funky taste (chocolate). It's drinkable, but not enjoyable. It's nice and thick, compared to many other MRP's, but still not as thick and filling as my favorite. Sorry Nature's Best, I will not buy again.This review is specific to Perfect Rx, Chocolate
December 07, 2007Reviewer: John V in Delaware* This is a reasonably priced product that exceeds it claims. It is versatile and I use it as a shake in the morning, or add it to fruit smoothies. I've even added it to hot tea! (Not a whole packet of course.)
If you are looking for a quick, easy, satisfying breakfast this is the one!
Remember, skipping breakfast is a bad idea...


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Compact and indestructible, this knife was designed to be the survival tool that stays close at hand. A durable rubber handle is ergonomically shaped for better grip; the handy partially serrated blade is housed in a plastic sheath that can clip anywhere.
Surviving the unexpected is about being prepared, and the Bear Grylls Compact Fixed Blade exceeds the standard. Few people know more about survival than Bear Grylls, ex-British Special Forces officer, experienced mountaineer and respected survival trainer. Taking advantage of Gerber's decades of experience and Bear Grylls' adventure knowledge, the agile Compact Fixed Blade gives you the ability to engage with your surroundings in perpetual survival mode.
The hardy Compact Fixed Blade knife possesses a durable handle with rubber overmold and a prominent finger choil that offers solid application. The ergonomically shaped handled offers you a better, more comfortable grip in all types of weather. With a fine edge blade that resolves in a defined clip point, this solid full tang blade will work for you to cut, slice, and gouge, enabling survival in even the most difficult environment.
Finger jimping on the top of the blade and a grippy rubber handle means the Compact Fixed Blade won't slip, no matter how rough the conditions. The lanyard hole gives you extra flexibility in carrying options. It includes a lightweight plastic sheath that clips to a belt or backpack. The clip is removable and adjustable for both tip-up and tip-down carry. The Priorities of Survival Pocket Guide is included with this knife, furthering its usefulness and potential life-saving utility.
Have had this blade for almost 4 years now. Have one clipped to my pfd and have a second one attached to my search vest. Great little blade, strong and has a great non-slip handle. Easy to hang on to even with gloves on. Has vey little weight and the sheath clips snug to your pack.
The BG compact fixed blade, is easy to sharpen, and stays fairly sharp. The handle is a tad small for people with large hands, but fits great in mine (wear a medium sized glove). Rubber handle is very comfortable and offers a lot of blade control, and is full tang!
The sheath is very secure... but it is hard to take out and harder to put back in. I could give this 5/5 if the design worked better. Overall good knife
At the price point, it is hard to beat. Due to the low price it has been my "beater" knife for about a year now. Whether im using a log and hammering the back of it to chisel grooves, using as a light duty prybar or simply making kindling...it does the job!
Is it on par with items like my Tracker or even Tracker Jr? No. But at over 300 dollars LESS, I don't expect it to be. Only major complaint is the sheath is garbage.
Overall Quality: 7/10
Original Sharpness: 6/10
Edge Retention: 9/10
Durability: 9/10
Sheath: 3/10
In summary, I would absolutely suggest this knife to someone looking for a good, cheap quality knife. Normally cheap and quality don't go hand in hand...in this case, it does.
I bought this knife a few years back from a local retail store and in my honest opinion was a very good buy. Used it for a ton of things, even as a prybar in a pinch.
if your firend loves wods suvrivaling and exploring and he wonts knife wich is safe but sharp this is best chose


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I was playing with marketing and design yesterday, doing some research on how to organically grow your Instagram followers. One strategy that kept coming up, was make your "page" visually appealing, keep it consistent with your BRAND colours. Do your images represent the MESSAGE you want to convey? There were many examples of gorgeous looking feeds, beautiful colour palettes, some were just collections of objects in one colour, very minimal and very structured, the most fascinating to me though, were the ones which required careful image selection, and planning on a larger scale...where you needed to go to the account itself to see the full effect of the 6-9 or 12 individual images...the bigger picture. I could see how this layout would garner followers, they would want to see what the puzzle looked like when it was finished. This was something I was interested in trying....
It was a cold dreary rainy Melbourne Monday, so I searched the internet and found some beautiful images of objects that were pretty to look at, made me happy (yes there is a camera in there) and were somewhat relevant to what I do. I decided to design an Insta grid…it took about 10 minutes to make a layout in photoshop that was cohesive and would make sense (more or less) as individual images. A 15 image grid, I could post 3 images a day for 5 days, with cutesy little phrases….surely…. and at the end a pretty little grid that would beautify my feed. (see my creative layout below)
That's when I decided to go to my instagram account and have a look at what my "brand" was portrayed as…hmm to say the least it was eclectic. A random jumbled mess of behind the scenes videos, adventures, published images, my kids, what I cooked for dinner, sunsets, the occasional quote, friends and funny moments. It was at this point I realised, I was never going to have a beautifully organised and planned feed, with a serene colour palatte, harmonious images that complimented my message and branding. A feed full of pretty photos which may or may not have anything to do with my life or business, (but they looked good and were the right colour)…..Although those accounts are gorgeous to look at and I admire the skill and dedication in attaining the visual holy grail of instagram style and allure…. It's just not me. I could of course clean up my feed, just post relevant photos, or I could separate my accounts, one for photography and the other for everything else. But that wouldn't be a realistic representation either.
My photography is not just my business, it is a part of who I am, just as my family and friends are. So I apologise to those who follow me for my photography and then see random images of vegies out of my garden or my childrens latest accomplishments. My feed looks like an unplanned, designless assemblage of images…because it is… and that pretty much represents the way we live our life and enjoy it.
My pretty little Insta-grid


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ChillOut is a family friendly experience. We seek to ensure that all guests enjoy the experience in safe and comfortable surroundings without the fear of verbal or physical abuse, either personally or as a witness. We will not tolerate:
• Foul language
• Excessive intoxication (alcohol and/or recreational drugs)
• Any form of abuse, physical or verbal
• Threatening behaviour
• Damage to property
• Fraudulent misrepresentation
• Any form of discrimination
Any persons who engage in this type of behaviour will be removed from ChillOut events.
Bag Searches All bags will be searched on entry to events.
Banned Items No BYO Alcohol or glass.
Video and Photos will be taken at this event and posted to social media and the ChillOut website and marketing. By entering this event you agree to have your photo published. It is up to you to alert the photographer if you do not want to appear in photos / videos. And we're happy to take them offline if one slips through or you change your mind later. You can do this by emailing email@example.com
Respect Others
Behaviour that negatively impacts other people's experience will not be tolerated, including but not limited to homophobia, biphobia, transphobia, sexism, racism, sexual harassment, threats of or actual violence, abusive language, bullying, stalking, manipulation, wilful exclusion and/or theft.
Being Asked to Leave
ChillOut reserve the right to exclude you from this event and any future events if we believe you are causing the safety of yourself or others to be compromised.
Entry fee
ChillOut is a not for profit organisation. Your entry fee today goes towards the costs of this event. We thank you for your patronage.


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On February 13, 2013, Senator Kelly Ayotte (R-NH) introduced S. 273, a bill to modify the definition of fiduciary under the Employee Retirement Income Security Act of 1974 to exclude appraisers of employee stock ownership plans (ESOPs). The bill is co-sponsored by Senators Roy Blunt (R-MO), Mary L. Landrieu (D-LA), and Mitch McConnell (R-KY). This bill is a response to the Department of Labor's (DOL) proposed anti-ESOP regulation mandating all private ESOP company appraisers be ERISA fiduciaries.
As a member of The ESOP Association, SES is committed to the promotion and protection of employee ownership laws in the U.S. SES and our clients frequently participate in ESOP advocacy work, including visits to our representatives on Capitol Hill and visits from representatives to ESOP company locations nationwide. Contact us if you would like to find out more about participating in this important work.


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Areas of Practice
Criminal Defense Lawyers in Charlotte, NC
The lawyers at Fialko Law PLLC have experience defending all types of accusations in a variety of
systems, including state court, federal court, and university misconduct proceedings. Chris Fialko has worked on cases in more than two dozen counties throughout North Carolina and in all three federal districts. We fiercely fight for our clients because we understand that misconduct allegations can affect a person's job, education, personal life, and freedom. We believe that a detailed review of the evidence, usually including an independent investigation with the aid of private investigators and experts, is key to a vigorous defense.
Call Fialko Law at (704) 458-5415 for a consultation today.
See below for a more detailed list of the crimes we commonly defend against.


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Apparently they have a bunch of posters in display at the ShoWest convention. IESB and Latino Review are on the case and have posted many photos of these posters. Not high quality images, but they are enough to get the idea.
I'll post better versions of the posters as they show up online.


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Eye Makeup Techniques - LoveToKnow Makeup
tons of techniques
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Check it out!
Meme of the Week
Meme of the Week
True Story
Wyrmling Announcement!
I've been away from social media, but I haven't been away from writing! ^_^
Violence Against Women is Not a Joke
Angry at an ex-girlfriend or wife? Here, shoot at a bleeding, half-naked "Ex-girlfriend" target doll. It's only a dummy – just meant for practice.
..Practice for what, exactly?
This doll was displayed at the annual National Rifle Association (NRA) Convention by its manufacturer, Zombie Industries (ZI). According to some reports, it has since been discontinued – but in fact, the company merely re-named it "Alexa" in stead of "The Ex". Some people have claimed that the doll was never referred to as "The Ex" – but an image currently on ZI website curiously still refers to the female target doll package as "The Ex Box" (I'm sure whoever thought that one up considered themselves very funny and clever).
"Alexa" is still being sold by Zombie Industries, and unlike most of the "zombie" dolls, she does not have green skin, nor does she resemble a zombie. I also fail to…
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Meme of the Week
So true! I couldn't not post this!
Yesterday, I received a gift in the mail from a friend of mine. She said that she saw the owl necklace and thought of me. That's why she picked it up. That's why she sent it to me.
I'm touched. People don't really do that for me. Certainly, some people who listen to me do give me gifts based on what they know about me. This is great. There are some people who give generic gifts that they buy for all their friends. This is not so great. I can feel the impersonalness of the item. I know that it's just a gift for the sake of giving a gift. This is not the worst crime of gift-giving. The worst is when someone regifts the item you gave to that person.
Granted, it is fabulous to receive something that is actually intended for you.
That's not what makes this particular gift so special. What makes this gift special is that my friend took the time out to synthesize my interests and characteristics. From there, she found an item that best represents me. In her synthesis, the discovered something that I did not know about myself. I would never associate a symbol of wisdom to my personhood, particularly at such a young age (Plutarch rules). For someone to see something about me that I don't always see or am not aware of is the greatest gift. She gave me something that opened the way into my own awareness of self. And this awareness of self gives me the responsibility to take care in what I say in do. When I do this, when I know this, I am free. My friend gave me a little trinket that gave me a different way into my own freedom. And for that, I am truly grateful.
Wishing you happiness and the struggle.
Ariel Ceylan


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* Just as Guerlain has a dandy fragrance under the name Arsene Lupin, Nasomatto was inspired by a 19th centry dandy.
* The fragrance kicks off with a chocolate and floral note. The chocolate is like baker's chocolate – rich and unsweetened, spiced with a touch of cloves.
* I think the Guerlain reference is in my head because it reminds me a lot of one of my favorite fragrances, Guerlain L'instant Extreme (with its rich dark chocolate scent that evolves over time).
* The chocolate stays in the forefront and a clean, non-skanky oud note starts to come up. The oud starts off muted but gradually comes in to play a nice harmony with the chocolate.
* Longevity is really nice as eight hours after applying, the wonderful base of amber and balsams come in to join the chocolate and oud.
Summary: Nasomatto is known for strong and intense fragrances (Black Afgano, Duro), so Pardon comes off a little more refined. That being said, it definitely does have personality and broadcasts a bit in the beginning. If you are looking to enter the world of oud but don't want to get too crazy – this would be a great introduction. This would also work for those who want something that is office safe but still has some power to it.
Nasomatto fragrances are available from Barneys New York, Luckyscent and independent boutiques.
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Mark your calendars -- the newest Atlanta-area Uncle Maddio's is about to open its doors! Uncle Maddio's Kennesaw, located at 745 Chastain Road in Chastain Plaza with Starbucks and Firehouse Subs, will host its grand opening on Saturday, August 4, beginning at 11 a.m. The first 100 customers will receive FREE PIZZA FOR A YEAR (one pizza per month)! Come out for your chance to win, come out to try Uncle Maddio's homemade pizza, gourmet salads, and toasted paninis, and come out for the rockin' party, complete with a stilt walker and face painting for the kids (and kids at heart!).
For up-to-the-minute grand opening information and to grab a free 9" pizza coupon, visit the Uncle Maddio's Kennesaw Facebook page at www.facebook.com/UncleMaddiosKennesaw.
See you on Saturday!


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Lagan Valley MLA Robbie Butler has accused the Health Minister of putting forward proposals that are "vague and lack proper detail."
The UUP man made the claim after he appeared on BBC Radio Ulster's Nolan Show on Wednesday morning, during which he struggled to articulate his party's central health policy during a car crash ten-minute interview.
The Ulster Unionist Party's mental health spokesman, who was appearing on the programme to represent the UUP in a debate on the future of the NHS in Northern Ireland, repeatedly evaded answering a question about the party's policy on closing or downgrading smaller hospitals.
The former firefighter, who is one of the UUP's two MLAs on the Assembly's health scrutiny committee, complained that the Bengoa Report into the future of the NHS in Northern Ireland, which the health minister published on Tuesday, was "light on detail".
However, when pressed for even basic detail of the UUP policy, Mr Butler quickly floundered.
Mr Nolan asked the Lagan Valley MLA whether he supported a reduction in the number of acute hospitals, with services centralised in larger hospitals - the key ideological debate among politicians and health experts in Northern Ireland for several years.
Initially, Mr Butler avoided answering the question, saying: "I think the centralisation of acute hospitals is something that has been mooted for many, many years and I think it's interesting that the minister has thrown the onus on to medical professionals..."
After being reminded that the question was whether the UUP supported centralisation of hospital services, Mr Butler said: "Again, people need to understand the difference between acute hospitals and those for more complex cases. In Lagan Valley, for instance, we lost the 24-hour emergency A&E which was very hard to handle at the time and very hard actually for the people who have that need."
When asked if he was going to answer the question, the former firefighter said: "Yes, yes, absolutely. Absolutely."
Then, asked the question for a fourth time, Mr Butler said: "I think the answer to that Stephen is that we are in a complex society now where people's needs are different, so it needs to be looked at on a case by case basis."
Mr Nolan interjected to say that a decision to centralise services could not be taken on an individual basis.
Asked the question for a fifth time, he said: "The detail for that is down to [sic] the minister to provide..."
Mr Nolan continued to ask the former Lisburn councillor to set out the UUP's position on centralising hospital services, asking him the same question several more times.
Mr Butler, who was elected as an MLA in May, went on to say: "I'm a new politician so this feels a bit like Daniel in the lion's den..."
Speaking after the show, Mr Butler commented: "Regarding my interview on Nolan, I would readily support a cost-effective amalgamation of specific services, such as Mental Health and Stroke services, however it would be foolish of me to support a blanket statement proposing a consolidation of acute services with no costing and no detail, especially given that the UUP had only had sight of the Bengoa report for fewer than 24 hours at the time of the interview.
"I believe there are many positive aspects to the Bengoa Report and would welcome their implementation. The difficulty is that the proposals from the Health Minister are vague, lack proper detail and, most importantly, have not been costed in any way."


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Procurement Manager
Set in Enterprise
Procurement Manager with 13 years of dynamic experience in Automobile & Power Industry. Lead procurement cross-functional teams by coordinating all business activities to achieve procurement decisions through development of strong business relationships and strategic alliances. Work closely with all levels of management within the Company to determine needs, develop strategies and plan and provide procurement sources in support of those needs. Develop, advocate and implement sourcing and negotiation strategies for key spend areas to achieve short and long term savings targets. Select, maintain, and manage a supplier base that is financially sound, technically competent, and strategically aligned. Structure and negotiate supply agreements and manage supplier relations and performance. Develop and implement purchasing & contract management instructions, policies, and procedures. Ensure compliance with purchase policies & procedures, ethical practices, and adherence to relevant laws and regulations. Apply appropriate competitive cost and process benchmarks, financial analysis, and risk management techniques to solve complex issues. Maintain metrics for process improvement, supplier management and management reporting. Direct and coordinate activities of personnel engaged in buying and storing materials, equipment, machinery, and supplies. Expertise in various functions of MM and succeeded in Timely execution of procurement in JIT on various aspects. Strong Skill ERP Package for Procurement & SCM. Use E-sourcing technologies to develop RFIs, RFPs, reverse auctions, and compose service contracts and supply agreements as required. Excellent communication and people management skills. Organizational Experience


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Take a stroll with NSEA naturalists along the Nooksack River. During this 60-minute guided trail walk, you'll learn about local salmon species and their habitat, find aquatic insects, test water quality, and explore native plants! Horseshoe Bend Trail
Back to All Events
Earlier Event: June 29Salmon Campfire Stories - Chair 9, HWY 542, Glacier, WA
Later Event: July 6Nooksack River Walk - Horseshoe Bend Trail, HWY 542, Glacier, WA


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Journalist known for interviews with royalty and leaders
ARTHUR QUINLAN:One of the longest-serving freelance journalists of his time, Arthur Quinlan, who has died aged 91, surely interviewed more US presidents, Soviet statesmen, Latin American revolutionaries, film stars and members of the aristocracy than anybody else of his generation.
Based at Shannon Airport, his career blossomed during its hey-day as a major transatlantic fuel stop for eastward and westward flights. In 1945 he became the Irish Times man in Shannon and Limerick and was correspondent for RTÉ in the 1960s and 1970s.
Dapper and always impeccably besuited, he gave the lie to the popular image of the casually attired journalist.
Professionally he was sharp as a razor and effectively controlled the news grapevine at Shannon. No VIP ever passed through the airport unbeknown to him.
He famously taught Fidel Castro how to make Irish coffee – a Shannon invention. One of the only western journalists to have interviewed Che Guevara, his account of that meeting, published "to put the record straight" 30 years after the iconic revolutionary was killed in Bolivia, makes fascinating reading.
He recalled, for instance, that "Dr. Guevara talked of his Irish connections through the name Lynch. He said, if I recall, that his grandparents or great-grandparents on his mother's side had left Galway for the Argentine. His were a well-off family in the city of Alta Gracia and he qualified as a Doctor.
"His name was Ernesto but he was given the nickname Che when he began to mix with Cubans. The Cubans usually put this tag on Argentineans in the same way that the Irish are sometimes called Paddys. He was 37 years old when I met him at Shannon and when the 'ice was broken', he wanted to go with a few friends to 'see the night life'.
"Later that Saturday he went to Limerick City and adjourned to the Hanratty's Hotel on Glentworth Street. They returned that evening all wearing sprigs of Shamrock, for Shannon and Limerick were preparing for the St. Patrick's Day celebrations."
Spanning over half a century, the list of VIPs interviewed by Quinlan reads like an international who's who. It includes every US president from Harry Truman to George W Bush, Soviet foreign minister Andrei Gromyko, the Duke of Edinburgh and Princess Margaret.
He also interviewed the kings of Albania, Romania, Yugoslavia, and Saudi Arabia, Queen Wilhelmina and Queen Juliana of the Netherlands, emperor Haile Selassie of Ethiopia, Prince Rainier and Princess Grace of Monaco.
Born in Dublin, he was raised at Quin, Co Clare. He went to O'Connell's school and received a BA at UCD. A keen golfer, he was an honorary life member of Castletroy and Lahinch golf clubs. He continued playing with the Munster press golfing society well into his 80s.
A former president and honorary life member of Shannon Rowing Club, he was instrumental in having the old building on the river restored.
Séamus Dooley, Irish secretary of the National Union of Journalists, said the union had lost "a loyal, committed and distinguished member". He recently became a member of honour of the NUJ, its highest accolade. He was still working when he turned 90.
His wife Vera died in April. He is survived by his son, Tom, and his daughters, Ann and Joyce.
ARTHUR QUINLAN:Born January 15th, 1921 Died December 22nd, 2012


text: I was working as an MC the other day With a cup o' instant coffee and some marmalade It's hard to play when just wanna run away It's underlay underlay since underage Then the phone rang â??It's Urthboy here, I'm Elefant Traks just like Kenny Sabir â??Hi, someone led me to believe you're an MC I've got an offer that would maybe eve tempt me. What I meant means we give you a set fee You play at our gig for peanuts and a little prestigeâ?? So the rest see me as a success While I'm struggling to pay rent with records to press But yes I agree to it, how can you not? Thinking of the fluid with the international slot I've got no time for rhymers, slash social climbers It's just another gig I'm doing for the rider There is no rider my friend, so why we doing this then? We all go broke by night end (like, broke as hell, can't you tell) Leave the house, lock the door, catch the train Or the bus it's a rush tame the peak hour crush to the venue, nothing but trouble on the menu Cock-rocking headstrong soundmen to get through This shit can really send you to the pub next door Either that or make sure he leaves with a broken jaw (Ahh) nah man I'm just joking around Just hoping to soundcheck without choking this clown I'm just about over it now and I'm not hopeful Can I get a test vocal from the pleb locals This opals got rough edges and a hard centre I'm doing it for the love music's my warm sweater Kinda like a second placenta so when I enter In performance endeavours there's Desmond Decker-like measure And ever different, but listen, there is that divider Drink up cos the other act will steal all ya rider I was working as an MC the other night With a couple shitty mics and an appetite Cook MCs like, look it's a parasite Eat em up but first wipe the dirt out of sight I'm your superman's cryptonite talkback shock jock sponsorship, politicians dirty money Saw you coming from a mile away you got the right-of-way yeah that's what all the rhymers say I'm inclined to play cos in the end it's entertainment Crafted and created, loungeroom and the basement Break-in, and of the things stolen by the sly crooks Cash, backpack, laptop and rhymebook Start from scratch, and scrap the last seventy-ish Pull out every single hair and tear em to bits Material things, gone with the pied piper (Okay winona, I'll do it for the Ryder)


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J. Oliver Schak
Assistant Director for Higher Education Research and Data Analytics
Oliver designs and conducts analyses related to access, affordability, and student success in higher education. He supports The Education Trust in focusing attention on trends in outcomes for students of color and low-income students.
Prior to joining Ed Trust, Oliver worked at the U.S. Department of Education within the Policy and Program Studies Service. He analyzed data and supported policy development in areas related to federal student aid programs, institutional accreditation, the College Scorecard, development education, articulation transfer agreements, and education finance. On a rotation with the U.S. Department of Treasury, he also helped create a federal-wide schema for implementation of the Digital Accountability and Transparency Act in order to improve federal spending transparency. Before coming to DC, Oliver interned for the California Legislative Analyst's Office and worked as a banking and financial markets research associate at the Federal Research Bank of Kansas City.
A native of Minneapolis, Oliver received his bachelor's degree in economics from Carleton College and received his masters of public policy degree from UC Berkeley.
Shake Shack
Favorite Sports Team
Minnesota Vikings
What drew you to education?
Both my parents taught in the Saint Paul Public Schools and believed strongly in providing access to good public schools for all students. They made me aware of how educational disparities impact students from preschool through college. I am also inspired by my grandparents, who helped force the Denver Public Schools to desegregate in a landmark Supreme Court case.


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Storrs Hall Wedding Photographer
Storrs Hall, Windermere Wedding Photographer
Allan + Nicola
Storrs Hall, Windermere Wedding Photographer in the heart of the glorious Lake District.
Allan and Nicola, married in the heart of Windermere, witnessed not only by their closest friends and family but then also an abyss of Tourists all stood on the church's perimeter (and some who even came inside to capture their own photographic memories of a quintessential English wedding).
This wedding embodied the couple's love of adventure and nature, their friends and family all relaxed and enjoyed the glorious weather that graced their day whilst all the details nodded to Allan and Nicola's love of natural beauty.
From a wild inspired bouquet that makes me wish i could just walk into my own garden and pick such flowers myself, to the decor and personal details within the venue.
Tables named after important places of meaning to them and adventures they had been on. Allan and Nicola have so much love, not just for one another but also for their friends and family. They both have jobs that are about putting others in front of themselves; so it was brilliant to be a part of their wedding where other's were putting them first and ensuring they had a day like no other and like none they would ever forget.
I want to give a big shout out to the other wonderful suppliers that helped make this day as perfect as they could for Nicola and Allan!
Venue - Storrs Hall
Dress - Mori Lee UK from Blush Boutique Uppermill
Flowers - Brackens of Bowness
Cake - The Bakery at No.4
Car Hire - Lake District Vintage Wedding Cars
Caravan Booth - Something blue vintage hire


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Assembling The Game Plan Game and other helpful advice for playing...
This is an audio that outlines the assembly instructions for the downloadable version of THE GAME PLAN GAME.
Can I print in black & white AND color if I want to?
How do I GIFT someone a downloadable game?
- Add the person's name, school and email address next to the GIFT A GAME section.
What if I don't agree with the answer to a card?
- Use whatever answer you are comfortable with. This game is meant to inspire conversations.


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Penticton Arts Council Announces New Annual Festival/
The Penticton Arts Council has announced the launch of Artsrising Penticton, an annual arts festival celebrating the power of art. Artsrising's debut will be held from Thursday, September 21st to Sunday, September 24th, 2017.
This multi-disciplinary and multi-venue event will include an array of features, such as: the return of ReImagine Street Art Festival; screenings from local amateur film makers as part of Snakebite Film Festival; wearable art from ARTwear; and art gallery open houses, artist talks and demonstrations.
The Penticton Arts Council is currently seeking expressions of interest in participation from members of the community. All are welcome, including volunteers, artists, business partners, stakeholders, venues, retailers, and restaurants.
Those eager to help build a vibrant new festival should attend the first Official Information Night on Monday, March 20th at 7pm at the Leir House on 220 Manor Park Avenue. The festival vision and plan will be presented.
See the Penticton Arts Council website to request further information or join as a member.


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MK Chimney Systems produces chimney systems and chimney liners and is a significant exporter to Western Europe. In addition to chimney systems, which account for over 90% of the company's sales, MK offers chimney accessories and heating-systems products.
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text: It is no secret my undying love for coffee. If you follow me on Instagram, (you better be!!) more specifically my Insta Stories then you know I love a starting my day with a cup of caffeinated magic and an equally fun mug to enjoy it in!! Here are some of my favorite mugs that are a total bargain and my favorite coffee makers that are worth the investment!


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The Experts
The global gaming opportunity
James Soutter
Monday, March 21, 2016
A structural growth area that has been gathering momentum in recent years is egaming (electronic gaming). Gaming has evolved through technological advancement from traditional arcade-style and console gaming to mobile applications across 4G networks.
Superior content cffering
Gaming companies are effectively creating 'content' which encapsulates consumer interest in the same way Disney, Fox or Netflix create TV shows and movies. Many consumers can identify with gaming brands such as Assassin's Creed, Grand Theft Auto, Call of Duty or FIFA. Large scale traditional media companies are demonstrating a keen interest in gaming. In Europe, Vivendi, which owns part of Universal Music Group and Canal (a pay TV service in France), acquired a 10% stake in Ubisoft, a game creator known for its Assassin's Creed franchise. Vivendi's acquisition highlights the importance of gaming content and demonstrates traditional media's appetite for digital content is likely to continue to grow going forward. In addition, Ubisoft has sold the rights to 21st Century Fox to produce and release an Assassin's Creed movie in December 2016. We envisage gaming franchises to continue to be branched out into animation, movies and merchandising. Gaming is therefore an obvious place for increased media spend and product placement for advertisers.
The global gaming opportunity
The popularity of gaming brands are not only encouraging existing gamers to play more, but also bringing new people to the gaming universe. Activision Blizzard, a leading global game publisher, suggested that the total hours spent gaming increased by 28% from 2014 to 2015. Further, Activision also estimated their monthly active user base is now larger than Twitter and Spotify combined. In fact, it has been estimated that gamers are now spending approximately 22 hours per week playing games, fast approaching the average television hours watched at 28 per week. To put this in context, hours spent gaming has risen to 22 in 2015, up from 6 hours in 2013. This clearly emphasises the pace at which the global gaming industry is growing. The increased prevalence of egaming has also attracted the attention of high profile corporates, with Coca-Cola, Nissan, SK Telecom and Red Bull all sponsoring egaming related contests.
Gaming…gone digital…
Gaming has moved away from typical console games to online via computers, tablets and mobile phones. When playing online using a gaming company's server, the company is able to build a profile for all of its egaming participants. For example, if Electronic Arts (a US-listed gaming company) has hundreds of millions of gamers playing online, it knows who each person is, how they play, who they play with and why they're playing, which is valuable to gaming companies who can target advertising to their audience. This is compared to traditional gaming where the consumer would purchase a hard copy of a game on a CD and then play individually on their console. Electronic Arts estimates that their marketing spend has decreased from approximately 21% of sales to 14% of sales in 2 years (and sales have risen almost 20% in the same time period).
It has been estimated that consumers spend almost double the time on their mobile phone playing games compared to using Facebook. As depicted in the chart below, research indicates that consumers using smartphones spend approximately 17% of their time on their phone using Facebook, whilst gaming makes up approximately 32% of this time. The potential for mobile gaming is significant, and is largely driven by casual gamers. Going forward, we expect mobile gaming to meaningfully outpace the growth of traditional gaming through consoles. This in turn generates higher margins for gaming companies and opens up a broader consumer audience.
Source: Aviate Global Research
Egaming is a structural growth area in its relative infancy. Gaming companies have developed superior content which is constantly increasing in popularity. This content is able to be monetised and presented across digital platforms via smartphones and tablets. We believe egaming will provide significant investment opportunities in the medium term.
James Soutter is a portfolio manager for K2 Asset Management.
Published: Monday, March 21, 2016
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