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Will IT Vendors Start Selling Cars?
Posted by Tim Sheedy on May 21, 2010
- 509 Recommendations
- 0 comments
The rise and rise of cloud has been dominating the headlines for the past few years, and for CIOs, it has become a more serious priority only recently. People like cloud computing. Well - at least they like the concept of cloud computing. It is fast to implement, affordable, and scales to business requirements easily. On closer inspection, cloud poses many challenges for organizations. For CIOs there are the considerable challenges around how you restructure your IT department and IT services to cope with the new demands that cloud computing will place on your business - and often these demands come from the business, as they start to get the idea that they can get so many more business cases over the line for new capabilities, products and/or services, as they realize that cloud computing lowers the costs and hastens the time to value.
Some people see this model and focus on how great it is. I see cloud computing, and it has me thinking about how poor the traditional sourcing models have been. However, the reality is that many organizations will not move everything to the cloud - and some will move nothing. Compliance issues, security, lack of visibility, additional overhead required, and a potential increased risk will see some organizations shy away from cloud - and at the same time miss out on the benefits that it could bring. So this got me thinking - what if you could get some or all of the benefits of cloud computing through an internal solution? Yes - there is virtualization and the "private cloud" - but that model still has its issues. IT departments still have to buy the equipment, virtualize it, integrate the apps and the data through the middleware, and then manage the whole solution. And what I have described there is the real challenge with IT these days - bringing everything together. Yes, it is nice if you can outsource some servers, storage, and even applications to the cloud, as this lowers costs, shortens time-to-market, and means less management. But you still have to integrate the solutions across a business process - and that process is one that constantly changes.
I therefore propose a new model of IT. And to demonstrate the concept, I will use "transport" as a metaphor (and thanks to J.P. Garbani for introducing me to this metaphor!).
So you are the "transport" department in a company, and the business comes and says they need to get from A to B. Your options are:
- Buy them a car
- Lease them a car
- Rent them a car
- Buy them a bus ticket
In the IT world, someone comes and asks to get from A to B. What do we do?
- Put in and integrate a new application - this is the equivalent of BUILDING a car from scratch. We buy the components, the engine, the wiring, the wheels, etc., and put it together for them. What they get is something that vaguely resembles a car
- Add to/modify an existing application. This is the equivalent of putting a new engine/tyres/speedo, etc. on our car-looking thing
- We then might outsource this solution to someone else to manage for us - which is the equivalent of leasing the car
- We might buy a hosted service - which is like renting a car
- Or we might go to the cloud - which is the transport equivalent of buying them a bus ticket
Either way, we can't do the IT equivalent of BUYING THEM A CAR! Why not? Well for years everyone has said that people's requirements are different, so everything needs to be customized. To that argument, I say look at the car industry. There are over 20 different manufacturers/brands out there. Within each brand there are probably 5-10 models. Within each model there are 3-6 variants, within each variant there are 15 colors, 5 trims, 5-50 accessories, etc. The auto industry has mastered the art of mass customization. Why can't we?
I believe that within a few years, we will be able to buy "cars" in IT. These will be fully integrated, all-encompassing solutions that will be able to be mass customized. Instead of taking 6-12 months to set up a call center, we will be able to buy a Call Center Machine/Appliance. Instead of taking 2-3 years to implement an ERP or finance solution, we will be able to buy an Order To Cash Machine. These machines will include the hardware, the applications (pre-integrated), the middleware, operating system, management software, etc. They will be complete solutions that have some pre-customization available, and they will just work. And like cars - when they break down we take our Mazda 6 back to Mazda to get it serviced - with these solutions there will be one point of service and management. The one vendor will manage everything.
And I can hear (and have already heard) the arguments. Why would you buy this internally if you can source the exact same solution from the cloud? This is a good point - and some people will source from the cloud. Others, however, will have concerns around security, compliance & regulation, etc. Mid-sized firms, as a general rule, like to see/touch/hug the solutions that they spend money on. So these companies may be more attracted to this model. This model of sourcing also is attractive in those countries that allow organizations to write down capital purchases against their tax liabilities - something you cannot do with cloud as it is an operational expense. So for some companies, this model will make more sense financially than the cloud model.
The implications of this model are huge. What happens to all the point product vendors (i.e. CA Technologies, BMC etc) whose solutions are no longer required? Could this model drive further consolidation between the IT vendors? How will this impact outsourcing arrangements?
The next question is "which vendor/s are positioned in this space"? Well there is one company with the hardware, operating system, database, middleware, applications, and management software, and that, obviously, is Oracle. They could definitely drive adoption of this model - and get a huge competitive advantage against their major competitors (Microsoft, SAP, and IBM). You could see them making the product hugely competitive on price compared with buying the separate components from IBM, HP, CA, Microsoft and SAP, as they could give the hardware away for free, with the knowledge that the 22% a year maintenance fee will recoup that in the second year. The other important point to note is that they do not rely on consulting & integration services for a large chunk of their revenue. Will they do it? I believe they already have, to an extent, with their Sun Oracle Database Machine. I know it does not encompass an entire business process, but it is a good first step to the world of "business technology machines."
At this stage my thoughts on this new model of IT is a work in process. I would now like you to pick holes in it, tell me where I am wrong, tell me where I am right, and tell me what I have missed. The more refined this model becomes, the easier it is to pick the winners and losers, and the better advice we can give you in your IT to BT sourcing decisions. Feel free to comment below, or e-mail me at email@example.com, or send me a tweet @timbo2002. I will be building this model out over the next few months, so the more feedback I can get, the better. If you will be at the Forrester IT Forum (or the CIO FLB meeting) in Las Vegas next week (26-28th May) and would like to discuss in more detail please drop me an e-mail and we can meet up there.
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text: Coronation Street spoilers: Lloyd has a heart attack - first look pictures A Weatherfield charity run ends in high drama during an upcoming episode Comments Written By David Brown 12:01 AM, 27 April 2014 Traditionally, the lack of sporting prowess among Weatherfield's menfolk as provided a rich vein of humour. Think Stan Ogden in the wrestling ring or Dev Alahan on the golf course. But the upcoming charity run is to have potentially life-thretening repercussions in the coming weeks thanks to the antagonism between Streetcars cabbies Lloyd Mullaney (Craig Charles) and Steve McDonald (Simon Gregson). In scenes to be shown on Monday 5 May, Lloyd hides his disappointment at girlfriend Andrea's no-show at the race by continuing to goad Steve. During the run, Steve accidentally trips up Lloyd, who quickly grows furious when his rival crosses the finishing line before him. During a squabble with Steve, Lloyd collapses as daughter Jenna (Krissi Bohn) rushes his aid. Has Lloyd pushed himself too far? Follow @RadioTimes Like this? Share it. Facebook Twitter Google Tumblr Pinterest Blogger Reddit VKontakt Print Email

subset: commoncrawl


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Results 1 to 3 of 3
Thread: Move is done!!
- Rep Power
- 19
Move is done!!
We just moved to New Brunswick from Manitoba, and I have to say, I'm glad it's over!! The packing and loading up in Manitoba went OK, but once we got here, it was a nightmare!!
My DH is in the army, so we moved into military housing. We arrived in New Brunswick on the 19th of May, but we knew our house wouldn't be available to us until the 24th. The day we arrived, we called the base to let them know we were here, and that they could inform our truck driver that we would be at the house on the 24th, and he could unload our moving truck. Unfortunately, it seems that nobody on base was working that day, and on the 24th, when we were expecting our stuff, we found out that the truck driver had to be somewhere else, and had put everything in a storage facility 2 hours away, the same day we had arrived. It took them 2 more days to get it back to us, and we were finally able to move into the house on May 27th.
Now that we're here, and reasonably settled in, I think I'm going to like it here. It's totally different from Manitoba, but in a good way, mostly. There are so many things to do within a couple hours drive!
The best thing about the move of course, is the fact that it was entirely paid for by the military! Since we had to drive down here, we decided to make it a vacation. We went to see Niagara Falls (beautiful), went to the top of the CN Tower in Toronto, and also the Hockey Hall of Fame where DH & the kids had their picture taken with the Stanley Cup, and did a tour of the Parliament Buildings in Ottawa. Basically, all we paid for was our admission fees to the different places, and shopping. It was a lot of fun, and something we probably wouldn't have done on our own.
I was glad when DH hooked up our computer--judging by the prices here, I'll definitely need to pay attention to all the money-saving advice here!!~Tracy~
Tracy, I'm so glad you are going to like your new home! Sorry you had to go through all that trouble!
I used to live in Buffalo, 45 minutes from Niagara Falls, on the US side. The Canadian side is so much prettier! We used to visit Toronto a lot as well, but I havn't been in about five years.06-02-2005, 09:51 AM #3
- Rep Power
- 67
Woohoo, Tracy is in her new home! Glad you like it there.
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How well does Oyster Nevada wear?
I am close to purchasing my first BMW- very excited! I am leaning towards a X3 28i in blue metallic exterior with Oyster Nevada leather (1st choice) or black leather (2nd choice).
Here is my question for those of you who have had Oyster Nevada in previous cars or have it in your current one and may be able to relate some real world wear and tear reports.
What has been your experience with how Oyster Nevada leather wears? Have you had issues with color transfer or staining? Do you find yourself needing to clean it all the time? Would you recommend it?
I have 2 kids ages 5 and 9 and I am a coffee drinker so the potential for a spill is always present. Thanks for the input!
Yes, Oyster stains easily. If you wear blue jeans, your seats will turn blue. You'll have to wipe them down with a good leather cleaner every time you wash the car.
Sent from my PC36100 using Bimmer App
I got carbon black / black leather, and was thinking the other day when I saw another black X3 with oyster leather how nice it looked.
Glad I stuck to black now, I have dark blue jeans AND kids :)
Anyone had any similar experience with the sand beige leather, or is it better/worse?
Before I purchased my X3 I visited Canadian International Auto Show to kick some tires and to do some back-to-back comparisons of the cars on my short list.
The X3 had the light interior (vinyl if I recall correctly) and the seats showed evidence of staining from the blue jeans of the thousands of arses in and out of the car.
Right then I decided the light interior was off my shopping list especially considering my kids would also do a number on the lighter interior.
My 14 month old F25 was my 1'st ever vehicle with light leather interior - Oyster Nevada. I was initially intimidated by the prospect of keeping it clean. It does show if you wear dark colored clothing - after some time only. It is easy to see and I use the proprietary BMW leather cleaning products - which works extremely well to restore it to its "factory" state. Now I am very happy and satisfied with the interior - my previous vehicles all had dark "sombre" interiors. For an emergency - keep a quality brand "leather wipe" in the vehicle. Hope this helps!!
I have Oyster in my X3 and I haven't noticed any staining at all. I do were blue jeans most of the time I am driving it but it hasn't been a problem for me. I do wipe my seats down with leather wipes about every 6 weeks.
I think the Nevada leather is a lot different than the Napa leather in that the Nevada leather is not nearly as soft as the Napa. The Napa leather in my girlfriend's 535 is very sensitive to blue jeans. After just 1 week, they have a blue hue to the seating area.
We have Oyster Nevada leather in our 2011 F25. Approaching 19,000 miles I see no evidence of discolorization or staining. And I do wear blue jeans! But, I also have cleaned it 3 or 4 times in that period using Griot's products. I was worried about the light color when we ordered the vehicle but the wife prevailed (it is her car) and it has worked out just fine.
I think the light colors are fine as long as you are willing to clean them every so often.
I need advice on purchasing white exterior /tobacco inter versus gray exterior/beige interior on the BMW X 3 series. Any pros or cons to either
Thanks everyone for your input. It sounds like a split decision so far on Oyster's wear characteristics. Personally I know I'll be incredibly anal with TLC the first few years but once the newness wears off I worry I'll end up with light blue not Oyster colored seats.
Also I can comment on beige interiors from personal experience. The seats aren't the problem so much as the floor carpet. If you drink coffee forget beige for sure. Also if you deal with snow and soupy conditions beige takes a beating after just 2 winters even with good rubber mats.
I've had my blue water metallic / oyster for just under a year. I wipe the seats with a wet wipe every few weeks and the seats look like new. I changed my seat color from black to oyster on the day before my car was made. So glad that I did. They are nice and bright in the winter and cool in the summer.
One thing you should be aware of (at least this was the case for the 2012 X3, not sure about 2013): If you order beige leather, you will get beige for EVERYTHING in the interior, including carpet, lower dash and door trim, roof posts, headliner, etc. If you order Oyster leather, you will get black carpet and lower door and dash trim, grey headliner and roof posts. For me this was really important to know up front because I did NOT want beige carpet since it really shows the dirt (and coffee spills as mentioned above). I ordered my 2012 X3 with Sparkling Bronze Metallic exterior, Oyster leather, and Fineline Sienna wood and it is a fantastic combination (IMHO). Also, I had the dealer apply the exterior and interior "EnviroGuard NG" protective treatment which includes the leather, carpets and other surfaces. The dealer says there should be no problems with any color transfer to the Oyster leather.
Was at my dealership today and CA mentioned a scotch guard treatment that ran $895. Has anyone else popped for this added protection? Was it worth it do you think? It's painful even considering another buck when I am at $50K already but I got $500 over invoice so happy about that. With BMW drive Il'll be under invoice.
Question...let's say hypothetically I go Oyster and where blue jeans several times a week. Over time I get lazy and move my seat cleaning duties from monthly to semi annually. With BMW's special cleaner will I get the seats back to their original color and condition or is there a law of dimmishung returns and over time my seats will look worn and faily discolored? I take very good care of my vehicles but life is busy chasing kids around, working and training for marathons etc so I need to be a realist. Thanks!
My wife wearied of cleaning blue jean stains from our '11 X3's Oyster driver's seat so she put a pillow on the seat. Car is white, have had it seven months, 10K miles, kids, dogs, hauling gardening/house stuff, looks good. I'd get AlpineWhite/Oyster again.
My BMW has black Novillo leather, however I got my wife a new CR-V with a very light beige leather that is similar in color to BMW Oyster. I initially didn't do any preventative maintenance, and after 2 weeks, there was substantial dye transfer. After an hour of careful scrubbing with a Woolite 10:1 mix, I was able to get it back to almost factory condition.
I applied a few coats of Leather Master Protectant to the seats. After a few weeks, the transfer comes back, but I used Griot's Leather Care Spray on a soft white cloth, and the dye comes right off.
The right protection + the right cleaner will make the dye transfer a non-issue, in my recent experience.
I have to agree that the oyster is nice but my wife is staining then blue with her jeans. The seat covers bmw makes fit lousy and don't cover the seat back. They are friendly with sport seats either.
I've had my x3 with oyster for 3-4 weeks now. I have not had any problems with staining. I went for my vehicle inspection and of course the mechanic left a dirty hand print inside the door! A little water on a napkin cleaned it right off. Phew.
I can't help thinking that dye transfer is a fault with the jeans....it's not like the BMW leather is magically sucking the dye from jeans. If you lived a Miami Vice era room with white sofas I expect you'd have dye transfer problems there too. Jeans should hold their dye but most don't.
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And another mott too! Pretty cool. Got 'em back a couple weeks ago from Pat at Avian Arts in Frisco. Did a hell of job replicating the photos I sent him ... !
My teal start dying in the morning. Good luck this season boys.
Enjoy ...
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Red Toothpick Jeans: J.Crew. Necklace: Pink Pineapple. Enameled Ram Bangle: J.Crew. Kiel's Pants: Brooks Brothers. Sweater: Vintage Find.
Thursday, February 9, 2012
Leisurely Day in Jamestown
Red Toothpick Jeans: J.Crew. Necklace: Pink Pineapple. Enameled Ram Bangle: J.Crew. Kiel's Pants: Brooks Brothers. Sweater: Vintage Find.
15 comments:
I love your style! It is so timeless but still very modern!ReplyDelete
Very beautiful look! I'm so into your pants! Time and time again I've tried doing a slim, tapered cut pant, but my thighs are...curvy (let's put it nicely) and I always feel as if I have a case of chorizo legs when I try them on. :( Anyway, compliments on your flawless wardrobe - you are a true fashion inspiration!ReplyDeleteReplies
A good fitting pair of pants are always hard to find. It also doesn't help the every brand fits differently.Delete
Love your sweater! And you definitely wore the red pants trend right!ReplyDelete
J.Crew Matchstick pants are perfect for those of us with a curvier shape. Their Toothpick style is fabulous but not for me, either!ReplyDeleteReplies
Thank you for the tip, I need to look into them!Delete
Amazing sweater dear!!! And I loved that bracelet!!! :) Keep the good work :PReplyDelete
Just found your blog and love the fashion and aesthetic you feature on a daily basis. Lovely.ReplyDelete
Beautiful (as always)! Can you tell me about your handbag? It looks like a vintage Coach that I may have in the back of my closet...would love to think it's "cool" again and dust it off!ReplyDeleteReplies
Yes, vintage Coach is 'coming back' (personally, I never thought it went out of style) gangbusters. They're planning a release of all things "Willis" soon. :) Time to dust it off is right...Delete
those pants are to die for!ReplyDelete
As a Carolina alum. I think I need the ram bangle in my life. Thanks for the tip!ReplyDelete
I love the in last picture how the trees reflect off the car mirror. The water in the backgroung is stunning too!ReplyDelete
شركة تنظيف مجالس غرب الرياضReplyDelete
شركة تنظيف مجالس جنوب الرياض
شركة نقل عفش بالرياض
اسعار شركات نقل الاثاث بالرياض
شركة نقل عفش شرق الرياض
شركة نقل عفش شمال الرياض
شركة نقل عفش غرب الرياض
شركة نقل عفش جنوب الرياض
شركة نقل اثاث مع التغليف بالرياض
شركة تخزين عفش بالرياض
شركة تخزين عفش شرق الرياض
شركة تخزين عفش شمال الرياض
شركة تخزين عفش غرب الرياض
Looks lovely there! Both of your outfits are perfect too; very seasonal and classy! :)ReplyDelete
PhD thesis writing


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- Budget has many of the things that the NDP asked for, including $295 million over two years for youth employment and a pledged to reduce auto insurance premiums by 15%
- NDP Leader Andrea Horwath has reserved judgement on the budget and says she will "talk to Ontarians" before deciding
- The PCs do not support the budget, sight unseen, saying "we're rejecting a government and not a budget"
- With no NDP and PC support, the government will fall
TORONTO — Kathleen Wynne's fledgling government packed its budget with proposals designed to woo the NDP, but kingmaker Andrea Horwath says she will "talk to Ontarians" before deciding whether to topple the Liberal minority government.
The Liberals did meet many of her party's specific demands, the NDP leader told reporters Thursday. However, the 314-page budget lacks accountability and cost-saving measures at a time when Ontarians' trust in their provincial government has been flagging due to…
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Steamboat Springs, Colorado, U.S.
Area served
|Wool clothing
SmartWool is an American company founded by New England ski instructors Peter and Patty Duke in Steamboat Springs, Colorado in 1994 and acquired by The Timberland Company in 2005.[1][2][3] The company makes eponymous products primarily from treated merino wool.[4] SmartWool claims that this proprietary treatment makes its products itch-free and resistant to shrinking.[5] SmartWool is also claimed to have moisture-wicking performance and odor-reducing, anti-microbial properties; it is thus marketed primarily as performance apparel.[4] Reviews for SmartWool products are typically found in the context of equipment for hiking and other outdoor activities.[6][7] They offer products for women, men, and kids.[8]
In 2005, SmartWool implemented the requirement that its New Zealand wool suppliers no longer practice mulesing.[9] In 2010, SmartWool signed a contract to exclusively source its Merino wool from the New Zealand Merino Company.[10]
- ^ Kelly Bastone, 2005: Going global, Steamboat Springs on the Move: Official Business and Relocation Guide for the Yampa Valley, 2005. Retrieved April 26, 2007
- ^ Paul McHugh, Once mighty wool makes comeback in outdoor gear, San Francisco Chronicle, November 23, 2006. Retrieved April 26, 2007.
- ^ SEC Info, Timberland Press Release, November 7, 2005. Retrieved April 26, 2007.
- ^ a b Unknown author, Efficient Merino Wool Clothing by SmartWool, Metaefficient, unknown date. Retrieved April 26, 2007.
- ^ Richard Bumgardner, Smartwool Light Hiker Socks Product Review, walking.about.com, unknown date. Retrieved April 26, 2007.
- ^ Dave Hunter, Smartwool Base Layers: Men's Lightweight Crew and Lightweight Bottoms, Rock + Run, October 26, 2004. Retrieved April 26, 2007.
- ^ Kristin Hostetter, SmartWool Next-to-SkinWear: Smooth-as-Silk Wool Long Johns., Backpacker.com, April, 1999. Retrieved April 26, 2007.
- ^ "Smartwool® | Socks, Clothing & Accessories". Smartwool USA - English. Retrieved 2016-11-02.
- ^ Justin Thomas, Smartwool requires wool suppliers to end "mulesing", treehugger.com, October 8, 2005. Retrieved April 26, 2007.
- ^ [1]


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Fifth Third Beats on Earnings and Revenues, Results Dip Y/Y
Driven by prudent expense management and better-than-expected revenue, Fifth Third Bancorp (NASDAQ: FITB) managed to deliver a positive earnings surprise of nearly 9% in second-quarter 2014. Earnings per share came in at 49 cents, beating the Zacks Consensus Estimate by 4 cents. However, the figure compared unfavorably with 65 cents earned in the prior-year quarter.
Our proven model predicted that Fifth Third was likely to post an earnings beat as it did have the right combination of two key ingredients – positive Earnings ESP and a Zacks Rank #3 (Hold) or better. It had a Zacks Rank #3 (Hold) and an Earnings ESP of +2.22%.
Results were supported by lower expenses and increased net interest income, partially offset by lower non-interest income and higher provision for credit losses. Improved loan and deposit balances, and a strong capital position were also among the positives.
Net income available to common shareholders was $416 million, down 29% year over year. Notably, results included a $125 million gain on the sale of Vantiv shares, positive valuation adjustment of $63 million on the Vantiv warrant and certain other non-recurring items.
Quarter in Detail
Total revenue for the quarter stood at $1.7 billion, coming ahead of the Zacks Consensus Estimate of $1.5 billion. However, it was down 15% year over year, primarily due to lower non-interest income.
Fifth Third's net interest income (tax equivalent) came in at $905 million, up 2% year over year. The increase was primarily due to higher balances and yields on investment securities as well as loan balances, partially offset by the effect of loan repricing. However, net interest margin was 3.15%, down 18 basis points (bps) from the prior-year quarter, reflecting the impact of loan repricing.
Non-interest income decreased 31% year over year to $736 million (including certain non-recurring items). The decline was largely owing to fall in mortgage banking net revenue and other non-interest income.
Non-interest expenses declined 8% from the prior-year quarter to $954 million. Expenses included $61 million in charges for litigation reserves against $51 million in first-quarter 2013. Excluding these items, the year-over-year decline in expenses reflected decreases in compensation-related expense and benefits expenses.
As of Jun 30, 2014, excluding loans held-for-sale, average loan and lease balances increased 4% year over year to $90.5 billion. Average total deposits rose 5% from the prior-year quarter to $96.7 billion.
Credit Quality
Fifth Third's credit quality improved partially in the reported quarter. Total nonperforming assets including loans held for sale were $837 million, down 28% from the year-ago quarter. Further, allowance for loan and lease losses dropped nearly 16% year over year to $1.5 billion. Net charge-offs stood at $101 million or 45 bps of average loans and leases on an annualized basis against $112 million or 51 bps in the prior-year quarter.
However, provision for loans and leases increased 20% year over year to $76 million.
Capital Position
Fifth Third remained well-capitalized in the quarter. Tier 1 common equity ratio increased 12 bps years over year to 9.61%.
Tier 1 risk-based capital ratio stood at 10.80% compared with 11.14% at the end of the prior-year quarter. Leverage ratio was 9.86% versus 10.45% at the end of prior-year quarter.
Capital Deployment Activities
During the quarter, Fifth Third repurchased 6 million common shares.
Fifth Third entered into a share repurchase agreement with a counterparty on Apr 28, 2014, according to which the bank is to purchase around $150 million of its outstanding common stock. The company is expected to settle this forward contract on or before Jul 28, 2014. For first-quarter 2014, this transaction reduced Fifth Third's share count by 6.22 million shares on May 1, 2014 while the incremental impact to the average diluted share count in the second-quarter 2014 was around 9 million shares.
Our Viewpoint
Results reflect a strong quarter for Fifth Third. Going forward, with a diversified traditional banking platform, Fifth Third remains well poised to benefit from a recovery in the economy of regions where it has a footprint. Moreover, the company's efforts in reducing its nonperforming assets and operating expenses will serve as growth drivers. Also, the continuous improvement in loans and deposits reflects its efficient organic growth strategy.
However, continuous decline in non-interest income, a low interest-rate environment, regulatory issues as well as competitive pressure remain matters of concern.
Performance of Other Banking Giants
This earnings season kick started with Wall Street banking giants like Wells Fargo & Company (NYSE: WFC). The company's second-quarter 2014 earning per share of $1.01 came in line with the Zacks Consensus Estimate. However, it showed year-over-year improvement.
Citigroup Inc. (NYSE: C) reported yet another impressive quarter with adjusted earnings per share of $1.24 in second-quarter 2014, outpacing the Zacks Consensus Estimate of $1.08. JPMorgan Chase & Co. (NYSE: JPM) also came out with earnings of $1.59 per share, beating the Zacks Consensus Estimate of $1.30.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
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To read this article on Zacks.com click here.
Zacks Investment Research
The following article is from one of our external contributors. It does not represent the opinion of Benzinga and has not been edited.
Posted-In: Earnings News Movers & Shakers Tech Trading Ideas General


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The Dallas Cowboys are nearing agreement on a contract extension with quarterback Tony Romo.
Cowboys owner Jerry Jones didn't specify a date, but he said at the owners' meetings in Phoenix that he expected to deal to get done soon.
"We all have to decide what that day is, everybody involved -- his agents, him, me," Jones said, according to USA Today. "It's not a concern of mine."
Romo continues to receive strong support from Jones. Despite passing for 4,903 yards and 28 touchdowns last season, Romo was intercepted an NFL-high 19 times and the Cowboys fell short of the playoffs. The knock against him continues to be his lack of postseason success.
Romo's 2013 salary under his existing contract will count $16.8 million against the cap.
"The point that I do want to make, if we make this kind of commitment, is that I feel good about making it," Jones said. "I feel good about where he is in his career. I feel good about the time he has spent with (coach) Jason Garrett and (quarterbacks coach) Wade Wilson. But with (new offensive co-ordinator) Bill Callahan involved, I do expect some new wrinkles, so to speak, relative to what Tony Romo can do."Report Typo/Error


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By Scott Fegette | Friday, October 31, 2014
It's Halloween! Plenty of pictures will be taken of this year's pageantry and frights—and there's plenty of techniques you can employ to give your pictures a haunting Halloween edge.
Here are five Photoshop tricks to make your Halloween photos a treat.
By Lauren Harmon | Tuesday, October 28, 2014
Taking photos of the kids before they go out to trick or treat?
In this Deke's Techniques tutorial, Deke shows how to take the low-res, grainy, and washed-out trick or treat photos you typically get from a smartphone, and using Photoshop to turn them into fully developed photos with a rich depth of field—all while adding a little more realism to your kid's costume, like the Joker featured in this technique.
By Justin Seeley | Monday, October 6, 2014
The Adobe MAX 2014 conference is in full swing this week in Los Angeles, and in Monday morning's keynote Adobe unveiled a whole new suite of mobile apps alongside updates to existing Creative Cloud desktop apps.
Let's examine some of the bigger new features, and show you how they'll impact your digital workflow.
By Lauren Harmon | Tuesday, September 30, 2014
Every picture your child makes is a work of art. (Of course!)
But storing these precious drawings and paintings can be a pain. The colors fade, the paper disintegrates, and storage space in not infinite—no matter how talented your little artist is.
Happily, you don't have to toss those paintings. With the help of Adobe Photoshop, you can move artwork off the fridge and onto the web.
By Lauren Harmon | Tuesday, September 23, 2014
Get prints of classic paintings for your home—without resorting to thievery or forgery—in this week's free episode of Deke's Techniques.
Deke explains the law behind reproductions of works that have fallen out of copyright, like the 1435 painting featured in this video, Saint George Killing the Dragon. The painting itself belongs to the Chicago Institute of Art, where Deke snapped a picture of it, but the image—well, as Deke says, the image "belongs to everybody!" So your conscience can rest easy following along with the instructions in this video.
By Kristin Ellison | Friday, August 29, 2014
This week in Pixel Playground, Bert walks us through the process of turning the lynda.com logo into a billboard sitting on the Capitol steps.
By Lauren Harmon | Tuesday, August 19, 2014
When you composite 3D models into regular 2D photography, the results can look a little … improbable.
But with some careful shading and masking in Photoshop, Deke shows how you can make 3D models—like this shark created by fellow lynda.com author Ryan Kittleson—look right at home in their new environments.
By Kristin Ellison | Friday, August 15, 2014
This week in the Pixel Playground, Bert walks us through how to improve a product shot in Photoshop. In this case, it's by pulling the pouch closer to the corkscrew so it's clear to buyers that they're sold together.
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Front View
Back Viewdyzuydqsacrvzbvqyucqyaadyfvyttzb
Right-Side View
Removable Compartment
Scale View
Scale View 2
Rain Cover
Rain-Cover On-Tripod
Rain-Cover Back
Show MoreLess
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Product Highlights
The Crumpler C-List Celebrity Backpack, Small (Black and Gun Metal with Green Lining) is a 1000 denier water-resistant nylon bag with a fully padded interior and 300 denier interior ripstop lining. It is made to carry a laptop with a screen up to 13" and accessories. The pack will also hold a 1-2 D-SLR camera bodies with lenses attached, extra lenses, external flash, tripod and accessories or a medium to large sized camcorder with tripod and accessories. It has a rearward opening main compartment with a fully padded laptop sleeve plus a removable, padded camera compartment with 11 removable, configurable dividers. There are 2 external covered and gusseted zip slash pockets and a 6 pocket organizer on the laptop sleeve. There is a removable, tripod holder pouch. The pack is carried by a padded handle, backpack harness straps, an adjustable chest strap and a wide adjustable waist belt. The backpack has D-rings accessory loops and retro reflective strips on the harness straps.
Exterior: 1000 denier water-resistant nylon
Interior: Fully padded
Interior: 300 denier ripstop lining
|Type of Closure
|Exterior Dimensions
|12.25 x 18.5 x 10" (31.12 x 46.99 x 25.4cm) (WxHxD)
|Interior Dimensions
Laptop Sleeve: 10.24 x 11.81 x 1.38" (26 x 30 x 3.5cm) (WxHxD)
Approximate dimensions
|Tripod Holder
|Waist Belt
1-2 D-SLR cameras with lenses attached, extra lenses, external flash, compact tripod and accessories
Medium to large sized camcorder with compact tripod and accessories
13" laptop in a separate padded sleeve
|Carrying/Transport Options
Backpack straps
Carrying handle
|6.45 lbs (2.93kg)
|Packaging Info
|Box Dimensions (LxWxH)
|13.4 x 5.9 x 5.8"


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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- General Puppy Stuff (http://www.germanshepherds.com/forum/general-puppy-stuff/)
- - Height of puppy (http://www.germanshepherds.com/forum/general-puppy-stuff/421825-height-puppy.html)
Height of puppy
Hello everyone...my bitch delivered 7 pups and they are 6 weeks now. My male puppies are 7-7.5 inches nd female 6-7 inches in height. I want to know that is this normal or they are short height?
Sent from Petguide.com Free App
Maybe you can find your answer here,
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Financial 411: Jobs, Jobs, Jobs
The unemployment rate in New York dropped last month, as private employers continue to hire more people. In the city, it's now 8.6 percent.
Even though the jobs numbers tell us more people are finding work, not all job-seekers are being treated equally in our economic recovery. Men – who lost the majority of jobs during the recession – are finding jobs at a faster rate than women. Rana Foroohar, Time magazine's business editor, said she thinks it's a trend that doesn't have staying power.
"I think that there are larger, global factors that are still going to favor them [women]," she said. "The first and most important thing is that women are going to earn the majority of the world's new income in the next ten years, some $5 trillion."
She added: "If you think about the fact that women are going to be buying most of the stuff out there in the next 10 years, and they already make most of the purchasing decisions, you can bet that the people running companies are going to want to hire women that understand these markets and understand the female consumer."
Foroohar explains her predictions, and talks about her recent article for Time Magazine: "Is This the End of the Mancession?"
Prospects for College Grads
What about college graduates – what are their prospects for collecting their first paychecks, now that they've collected their diplomas? The New York Times' Economix blog co-editor, Catherine Rampell, took a look, and, in her story on the subject, uses words like "humbling" and "bleak."
"Across all majors, about 3/4 of recent grads have jobs," she said. "But only about half of them have a job that actually requires a college degree."
Rampell also talks about some other trends, including fewer available jobs and lower salaries.
Investor optimism over initial public offerings following LinkedIn's strong showing Wednesday on its first day of trading, helped boost the market on Thursday.
The Dow rose 45 points, to 12,605. The S&P 500 added three points, to 1,344. The Nasdaq ticked up eight points, to 2,823.


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Web | Documents
art educationAbout.com: Art History
Artist biographies, timelines, movements and schools, museums, and galleries.
arthistory.about.com - Also see: About.co5: PaintingAccess Art
Network of educational art sites offering activities and resources for artists.
Directory to online exhibits and image galleries for 9,000 artists.
artcyclopedia.comArtists Network
Articles, videos, and instruction on fine art techniques for artists of all ages.
Online art museum where young artists and students can display their work online.
Drawing tutorials available online or for download in PDF format.
drawspace.comNational Art Education Association
Leading professional organization for art educators -- pre-K through grade 12.
Discussion of various works and themes in art history.
art newsARTINFO
International art news, museum and gallery information, and auction reviews.
artinfo.comGuardian: Art & Design
News and editorials on European art, architecture, design, and photography.
guardian.co.ukLos Angeles Times: Arts & Culture
Coverage of arts and museums, architecture, photography, theater and dance.
latimes.comNew York Times: Art & Design
Latest news on the world of art and design. Exhibit slideshows and reviews.
nytimes.comSmashing Magazine
Latest trends in Web design and development and links to free resources.
smashingmagazine.comTimes Online: Visual Arts
News, features, and reviews of European art and architecture.
museums and galleriesAcropolis
Archaeological museum featuring sculptures and artifacts from the Acropolis.
theacropolismuseum.gr - GreeceBritish Museum
Collection of seven million objects representing the rich history of human cultures.
britishmuseum.org - United KingdomFlickr: The Commons
Gallery of copyright-free photos from the world's public photography archives.
Global network of contemporary art museums operated by the Guggenheim Foundation.
guggenheim.orgJ. Paul Getty Museum
American and European paintings, drawings, sculptures, and decorative arts.
getty.edu - Also see: Education at The Getty, Explore ArtKunsthistorisches Museum
One of the premier museums of fine arts and decorative arts in the world.
khm.at - AustriaLouvre
Centuries of paintings and sculptures. Home to such iconic work as the Mona Lisa.
louvre.fr - FranceMusee d'Orsay
Extensive collection of impressionist and post-impressionist masterpieces.
musee-orsay.fr - FranceMuseum of Fine Arts
Collection encompasses 450,000 works of art from Asian scrolls to Egyptian mummies.
mfa.org - United StatesMuseum of Modern Art
Collection reflects the vitality, complexity and patterns of modern and contemporary art.
moma.org - United StatesMuseum of Online Museums
Links to numerous museums, online collections, and exhibits.
coudal.com/moomMetropolitan Museum of Art
Collection includes two million works of art spanning five thousand years of world culture.
metmuseum.org - United States - Also see: Digital CollectionsMuseo Nacional del Prado
Features one of the world's finest collections of European art.
museodelprado.es - SpainNational Gallery of Art
Paintings, sculpture, and decorative arts spanning from the Middle Ages to present day.
nga.gov - United StatesNYPL Digital Gallery
Access over 700,000 images digitized by the The New York Public Library.
digitalgallery.nypl.org - United StatesPhiladelphia Museum of Art
225,000 works encompassing some of the greatest achievements of human creativity.
philamuseum.org - United StatesSmithsonian American Art Museum
Collection captures the character and imagination of Americans through three centuries.
americanart.si.edu - United StatesState Hermitage Museum
Three million works of art and artifacts representing Russian and world culture.
hermitagemuseum.org - RussiaRijks Museum
Massive selection of Dutch paintings from the Golden Age.
rijksmuseum.nl - NetherlandsVictoria and Albert Museum
Museum of decorative arts and design, housing a collection of 4.5 million objects.
vam.ac.uk - United KingdomTATE
Family of four galleries housing twentieth century British and international art.
tate.org.uk - United KingdomWeb Gallery of Art
European paintings and sculptures of the Gothic, Renaissance, and Baroque periods.
wga.hu - Hungary


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Tectonic Significance of the Lambert Graben, East Antarctica: Reconstructing the Gondwanan Rift
Harrowfield, Mat, Holdgate, Guy, McLoughlin, Stephen, & Wilson, Christopher (2005) Tectonic Significance of the Lambert Graben, East Antarctica: Reconstructing the Gondwanan Rift. Geology (Boulder), 33(3), pp. 197-200.
Impact and interest:
Citation counts are sourced monthly from Scopus and Web of Science® citation databases.
These databases contain citations from different subsets of available publications and different time periods and thus the citation count from each is usually different. Some works are not in either database and no count is displayed. Scopus includes citations from articles published in 1996 onwards, and Web of Science® generally from 1980 onwards.
Citations counts from the Google Scholar™ indexing service can be viewed at the linked Google Scholar™ search.
|ID Code:
|Item Type:
|Journal Article
|Antarctica, Australian North West Shelf, Gondwana, Permian Coals, Rifting
|Australian and New Zealand Standard Research Classification > EARTH SCIENCES (040000)
|Past > QUT Faculties & Divisions > Faculty of Science and Technology
|Deposited On:
|17 Jun 2009 12:58
|Last Modified:
|10 Aug 2011 18:21
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MATTHEWS, N.C. — Family Dollar Stores announced that it has named Christopher Nielsen to the position of VP loss prevention. Nielsen will report to Bryan Venberg, SVP human resources.
"Chris has been instrumental in driving our culture of accountability and customer service while helping to make Family Dollar a safer place to shop and work," said Venberg. "With Chris' ongoing leadership, we will continue to drive loss prevention initiatives that reduce inventory shrinkage and provide a compelling shopping environment for our shoppers and our team members."
Nielsen began his career at Family Dollar in 1998 as regional loss prevention director, and was promoted to regional VP in 2001. Prior to joining Family Dollar, he served as regional loss prevention manager at Jumbo Sports.


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KUSA's Kendrick omits provisional term from summary of current law on judicial retention
Research ››› ››› MEDIA MATTERS STAFF
During a report about a proposed constitutional amendment to limit judicial terms, KUSA 9News co-anchor Bob Kendrick omitted the fact that Colorado Supreme Court and appellate court judges face their first retention vote following a two-year provisional term. Kendrick reported that "Colorado Supreme Court justices are up for re-election every 10 years and appellate court judges every eight years."
In an August 11 report on Denver NBC affiliate KUSA's broadcast of 9News at 5 p.m. regarding a judicial term-limits ballot initiative, co-anchor Bob Kendrick stated that "[c]urrently, Colorado Supreme Court justices are up for re-election every 10 years and appellate court judges every eight years." Kendrick did not include the fact that, as Colorado Media Matters has noted, under current law, judges and justices initially serve a two-year provisional term, after which they face a retention vote during the next general election. After the first retention election, justices and judges are subject to additional retention elections at the conclusion of full 10- and eight-year terms
Kendrick reported that under a proposed state constitutional amendment designated Amendment 40 for consideration on the November ballot, "judges would come before voters every four years." In fact, as explained by Amendment 40's principal proponent, former Republican state senate president John Andrews, in an August 10 Wall Street Journal op-ed, the measure "would reduce the retention cycle to four years (after an appointee's first provisional term, which can be as short as two years), and cap total service at three terms, about 10 years or a bit longer depending on date of appointment." A self-described "conservative reformer," Andrews has spearheaded the Amendment 40 effort in what he called an attempt to "rein in activist judges and take back our courts."
From the August 11 broadcast of KUSA's 9News at 5 p.m.:
BOB KENDRICK (co-anchor): Ten years and out. That's the premise behind a November ballot measure designed to term limit certain Colorado judges.Currently, Colorado Supreme Court justices are up for re-election every 10 years and appellate court judges every eight years. If Amendment 40 passes, both sets of judges would come before voters every four years. Supporters believe it's time for fresh air in the judiciary, while opponents think it will decimate the system.
JOHN ANDREWS (chairman, Limit the Judges): People reasonably should say, "Let's check the potential abuse of power by these policy makers in robes and tell them 10 years' service is enough."
GALE MILLER (Citizens to Protect Colorado Courts): It's important to maintain a judiciary that's free of politics and to keep the thumb of politics off the scale of justice.
KENDRICK: This will be the fourth time Colorado voters have decided a term-limits issue since 1992. Currently, all state and locally elected officials are subjected to term limits. Federal officeholders are not.
Instructions for signing up and claiming your comment history are located here.
Updated rules for commenting are here.


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Thanks for the kudos toolguy! Yeah, that belt needed to be darkened. The leather spray worked perfectly.
Straight up acrylics topcop28. The 99 cent variety at Michaels. Just a basic white and black mixed to make a light grey and a charcoal. It was done using SpideyFett's tutorial, so it was more of a WASH then a straight application. The wash also worked a lot better on the canvas shoe instead of globs of acrylic.
Hope that helps!


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Which ever one wins. We lose.
Deep underwater in the Marianas Trench an accident results in a devastating Tsunami that destroys the Hawaiian Islands as it continues toward the west coast. Panic ensues all up and down the western coast of North and South America. In an attempt to lessen its impact, scientists launch an underwater explosion that inadvertently makes the tsunami more powerful and focused on Los Angeles. Scientists rush to a solution while the military begins planning for the worst. Los Angeles begins emergency evacuation. Lives and loves are lost even as a brash young grad student comes up with a solution: start the mother of all earthquakes to counter the rushing torrent and raise the continental shelf off the coast of the United States.
Download Disaster Wars: Earthquake vs. Tsunami
|Quality (Size)
|Download Links
|Sub Indo
|Eng Sub
|Disaster Wars
|BluRay ( 600 Mb)
|Kilk Disini
|Kilk Disini


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On June 17 2014 (sent by king_creole) at Chile 147 Views
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4 Photoshttp://www.fotolog.com/pportaaterebiem1
© 2002-2017 Fotolog, Inc. Fotolog ® et Flodo™ are registered trademarks of Fotolog, Inc. All rights reserved.
Parts of this site contain the copyrighted content of members and other third parties.
Title to this content and related rights are reserved by the respective copyright owner.


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Fisheries Extension Specialist
Submitted by Anonymous on Tue, 04/26/2011 - 00:00
D. Allen
Natural Resource Ecology and Management
Additional Biographical Information:
Allen completed his undergraduate coursework at the University of Georgia in fisheries and aquaculture, and received his Masters of Science from Auburn University doing aquaculture research on the Australian Redclaw Crayfish. He can be of assistance in answering queries regarding fish, pond, aquaculture, and aquatic management.
107 Science IIIowa State University
Ames, IA 50011
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Housed In:Ames
Counties Main Menu
- Home
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Connect with
Warren County
909 East Second Ave, Suite E
Indianola, IA 50125
(515) 961-6237
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Follow Harriet on Twitter
About Harriet
- The Poetry Foundation's blog for poetry and related news.
- More about Harriet
- Contributors
- Archive
Posts Tagged 'Vancouver'
Margaret Atwood Illuminates the Life of Canadian Poet, Emily Pauline Johnson December 16, 2013: Pauline, a new opera written by Margaret Atwood about the poet Emily Pauline Johnson, had its first public sing-through this weekend in Vancouver. Margaret Atwood wasn't in the large and lively [...]
How Poetry Saved My Life: A Hustler's Memoir by Amber Dawn, Wins City of Vancouver Book Award November 27, 2013: Wow! Congratulations, Amber! A former sex-trade worker's unflinching memoir of her life on the streets and her metamorphosis to writer and activist is the winner of this year's City of [...]


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Costume Information
|Time Taken :
|A cosplay I have wanted to do for AGES, its one of my favourites <3. I bought the dress and bow off another cosplayer, but ended up re-making the bow as i wanted it to be a biiiig butt-bow 8D I made the arm warmers as well and the head bow, I cut and styled a wig that I got online and bought some purple thigh highs. I originally made purple boot covers to go over some heels, but wearing heels at expo was a bad idea so i wore flat red shoes instead, though I will be having a photoshoot in the full complete costume soon <3
See you at expo~ You looked great <333
you look great XD, wish I could have seen you in this at expo
Awesome! Always been an Ayane fan and I think this looks great!
Very nicely done!
Dunno why but Ayane is one of my favourites.. She is beautifull but deadly.
..You look beautifull in that wig. ^_^
Are you gonna make her staff weapon? (She is pure AWESOME in that vid Dead Fantasy - you must have seen it...) :)
This is really nice, the colour of the wig is just right for her ^_^
this looks great and i love the bow :D


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Hazelgrove Court, Saltburn-by-Sea
Welcome to Hazelgrove Care Home, a very friendly place where we aim to make your stay with us as enjoyable as possible.
We have plenty to offer you - such as excellent accommodation, delicious home-cooked food and all the help you need to make your life here pleasant and
comfortable; we also offer day care and respite staying options. It is important to us that you feel relaxed and welcome, and that your relatives are confident you are being well supported.
Hazelgrove Care Home opened in 1993 and is registered for 48 residents and cares for people who require personal and nursing care as well as people experiencing confusion and dementia. As well as long term residency we welcome short terms respite and medium term convalescence. Rooms are situated over two floors, all of which are en suite.
There is a well appointed lounge and dining room on both the ground and the first floor.
A purpose built home, Hazelgrove offers exceptional levels of culinary skills and our Chef produces top quality meals and snacks.
Hazelgrove is currently working towards the Gold Standards Framework; a framework to help deliver an exception standard of care for residents.
News and Events: Click here for the news and events from Hazelgrove Court
Our Staff..here to help…
Our Home Manager has a wealth of experience in nursing and has excellent management and inter-personnel skills.
Our home...is your home
At Hazelgrove Care Home you can relax in the attractive and comfortable lounge as well as an open dining area, with quiet areas where you can read, chat or spend time with your family and friends.
All rooms have all the necessary safety features such as smoke detectors and a Nurse-Call system to ensure 24-hour confidence and reassurance.
You will have your own key-worker to support you and a care plan which is regularly reviewed to ensure that any changes in your well-being are documented and understood by all.
Bedrooms...make it your own!
You have your own room so you can maintain your independence and privacy-although if you wish, you can spend time with your fellow residents in the lounge or dining area. We know how important it is to have time and space to yourself, so we put a lot of effort into making sure your room is pleasant, comfortable and personal to you.
Bedrooms are homely and comfortable and offer television aerial sockets and telephone points. All bedrooms are tastefully decorated with room for you personal belongings, so you can dress your room in a way to make it feel your own.
Your meals…lovely home cooking
We all know that food is one of life's great pleasures, so we provide a varied choice of menu every day. You can eat in your own room or with the other residents in the dining area. As well as your main meals you can have snacks and drinks at any time of the day or night, and if you have a special diet, our fabulous Chef will be happy to discuss it with you. Hazelgrove Court also has a snack shop selling sweets, drinks, cards and a range of grooming products.
Laundry Service
Hazelgrove has its own laundry service, which collects and delivers clothes back to you. However, relatives may take laundry to do themselves outside the Home if they wish. We do ask that all garments are clearly labelled with the relevant person's name to ensure all items are returned to the correct owner.
Activities...lots to do!
We are very keen to encourage everyone in our care to join in our wide range of activities; we even have an Activities Co-ordinator who provides lots of different things for you to do. This is a great way to get to know your fellow residents and with visiting entertainers and outings throughout the year there is always something to do.
Outside the Home
Hazelgrove Court benefits from being just a short ½ mile from not only the town centre but also Valley Gardens and the beach.
The home is set in attractively landscaped grounds, complimented by beautiful, well maintained gardens.
Those in our care find this a pleasant area to entertain visitors, stroll or just relax in during the summer months.
Please recommend us on carehome.co.uk, CLICK HERE, where you can also view our previous recommendations.
Contact us:
Manager: Tina Temple
Tel: 01287 625 800
Fax: 01287 625 447
Email: email@example.com
10-14 Randolph Street, Saltburn-by-Sea, North Yorkshire, TS12 1LN