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We all know how stressful it is when things don't quite go to plan. There are so many elements involved in securing the bride her perfect dress that problems can't always be avoided. The bridal gown supply chain can be complex, with many factors outside of your control. Indeed, there are many people involved in the design, manufacture and shipping of your dresses, in different organisations, spanning different continents and often facing language barriers, so it's no surprise really that human error can creep in. With the aspects that arewithin your control, if your boutique's procedures are sound and your ordering is carried out correctly, you can greatly reduce the risk of mistakes that could have an adverse impact on your profit, your reputation and – just as importantly – your stress levels! Having been both a retailer and a designer, one thing I've learned is when things do go wrong, there's usually a way to resolve it – however big the problem might seem.
The one where the retailer forgot to order the dress…
A few months ago we received an email from one of our retailers asking for the ETA on a bride's dress. It became apparent that due to an IT problem she hadn't actually placed the order with us after taking the bride's deposit. We immediately checked if we had that style and size in stock, or even a slightly larger or smaller size that could be altered, or another order already in progress for a later wedding date that we could swap to solve this problem. We did but unfortunately not in the colourway the bride wanted. In this case there was nothing else we could do than to begin production immediately on a 'rush order' basis and push it to the front of the queue, which thankfully still gave the bride a few weeks before the wedding for alterations. In this example, because of the size and specific colourway of the dress, we were unable to swap it with a later order; however, if you do find yourself in this kind of situation, it is always worth asking the designer if they have a dress in production that could be reallocated to your bride. Many designers also carry stock so check what they have available. You might only be able to get hold of a dress that's a size up or a size down from the one the bride has ordered. In these situations your seamstress becomes your best friend as it can probably be taken in or let out to fit, if the designer isn't able to do this for you. In this case, my stockist was very honest and open with the bride about what had happened and was able to reassure her that the dress would be with her in time for her wedding. Although the bride was slightly anxious, she was very understanding and could see that the shop was committed to resolving the problem. I'm sure that if the bride was fed excuse after excuse, week after week, the situation would have been entirely different!
The one where the dress doesn't fit…
I had a few examples of this when I had my own boutique. A bride's dress would arrive and she'd book in to try it on, but when she walked through the door I just knew that there was no way that the dress was going to fit her. It can be the most daunting experience for you as a consultant and devastating for the poor bride! One example that comes to mind was a lovely girl who bought a very fitted lace gown. As was our normal procedure, before ordering the dress, we discussed her measurements with her and the size that this would translate to on the designer's size chart, so that she would understand how the process worked and which size would be ordered. This always avoided any big surprises when the dress arrived. However, when this particular bride came through our doors to try on her dress several months later, it was clear that her shape had totally changed – although she did seem blissfully unaware of this, and of our sheer panic thank goodness! When any bride came to try her gown, the first thing we would always do was to measure her again, before she had even tried the dress on, so that we would have an idea of how the dress would fit based on her current measurements. Thank goodness we did! This bride had put on five inches on her hips and three inches on her waist. The dress was now two sizes too small. No one ever wants to tell a bride that they have put on weight, or that their dress will not fit, especially when we work so hard in this industry to make our brides feel beautiful in the gowns that they choose, but in this instance we had to have that very difficult conversation. Before she put on the dress I explained that her measurements had changed since ordering and that the likelihood was it would not fit her. It helped to manage her expectations, rather than her trying to squeeze into the dress while wondering what had gone wrong. As predicted, the gown was too small, but she had braced herself for it! There were some tears and a very worried mum, however, the bride admitted that she was training for a marathon when she originally ordered her dress and that once the training stopped her weight had crept up! She was determined that she would fit into the dress, and that she did! She started running again and lost some weight, and we were able to release the dress at the side seams by a couple of inches, so in the end the dress fitted her perfectly. Having procedures in place to protect yourself from any dispute regarding sizing can save boutiques a lot of hassle. I have heard of lots of similar situations from friends in the industry where the dress size was recorded but the bride's measurements weren't necessarily discussed and noted on the order. This can lead to a blame game if the bride's figure changes, with only your word against theirs that you ordered the correct size gown. Taking measurements can help you to avoid this kind of dispute!
The one where they change their mind...
What do you do when a bride calls, or comes to the boutique, and tells you that she has changed her mind on the gown that she has ordered? We had this situation a few times when I had my boutique, and I continue to hear about it from our Catherine Parry retailers. My usual stance was to reassure the bride by explaining that it's normal to wonder whether the dress that she had ordered many weeks before was still her dream gown when she hadn't seen or tried it on since then. I'd then invite her back in to try the sample – or her dress if it was in store. In my experience, on the occasions that this happened the bride would fall in love with the dress all over again when they put it back on, so it's always better to get them back in to try on the dress as soon as possible. But what if you do this and they don't like it? This is such a difficult situation to be in, for the boutique and the bride. But, at the end of the day, this isn't your fault. You can't be responsible if the bride has changed her mind, or if she has lost weight and now wants a different cut, or if her best friend's sister got married in the same gown a month before. However difficult the conversation, the bride has ordered that gown and has to pay for it. I understand that it isn't always that easy, but boutiques shouldn't have to bear the brunt of this cost – you will still have to pay for the gown – so the bride must pay you. A wedding gown is probably the most emotional and self-expressive purchase that any woman will ever make, so it is no wonder that when things do go wrong, emotions run very high. As boutique owners you have to be able to think on your feet and deal with the situation as quickly and efficiently as possible. Here is some of the best advice I can give you: * Make sure you talk to your suppliers to understand their procedures and protocols. Most designers will send a written confirmation after you have placed an order. If yours do, then make sure you get one and make sure you check it carefully. * Honesty is always the best policy. If you can't fix a problem without the bride's dress being delayed, be honest with them about what has happened and how you are going to resolve it. * While some brides are purchasing their gowns later these days, where you can, make sure that you place your orders with your designers with enough time to put things right if you need to. * If you are having lots of problems, ask yourself why? Are you making promises to your brides that you or your suppliers might not be able to deliver? Are there things that you need to change about the way you work, or your policies, to minimise the chances of things going wrong? If your suppliers repeatedly deliver late or supply dresses with flaws, it may be time to make some difficult decisions with regards to continuing to work with them.
E: email@example.com
W: catherineparrybridal.com


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The best kept secret in music
This band has no press
Frantic City's self titled album available now!!!
Feeling a bit camera shy
Their sound can take you from a whisper to a scream. They serve it all up! Memorable lyrics, riff madness and driving rhythms. FRaNTiC CiTY have constructed a unique musical perspective on a bitchin foundation of sounds both new and old-school. The band although considered young, have completed what many will see as a blazing musical direction for their upcoming debut album. The challenges of translating the groups explosive live show into solid recordings, and refining and cultivating the 40 or 50 songs they have penned have been overcome with great success. Pulling influences from virtually all of rocks decades. FRaNTiC CiTY combine the cocksureness and bravado of the Stones, the hunger and death or glory ethos of the Clash and the intoxicating spirit of the Beastie Boys into the mix of their musical molotov cocktail. Currently the crew is LTD "living the dream" (and starving it out), burning up stages with their intense live show that simply captivates. Ry, the pimped up ringleader, leads the assault, with Seamus's manic six string delivery providing a serious one two punch, backed up by the rock solid rhythm section with Jays locked down bass and Steve's thundering drum patterns. The songs are painted with a cinematic brush as though they are film scripts originating on location within the boundaries of FRaNTiC CiTY. The Quentin Tarentinos of rock deliver untold stories and fresh sounds. from a jive-ass perspective. From self and social awareness ditties, to crushing anthems, the music is manically methodical in it's delivery. FC has been called "a most interesting and best kept secret." by Bob Lanois (Hamilton music guru) who frequently jams with the band. This secret will not be kept for long. Your search is over and your quest is complete. You have come to the right place! That's their story and they're sticking to it

subset: commoncrawl


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Test Kitchen Recipes
Welcome to the heart of Taste of Home. Get our favorite Test Kitchen recipes, cooking tips and product recommendations—all straight from the pros.
Air-Fryer Tofu
This Asian air-fryer tofu was the first meatless recipe my fiance made for me. It's a wonderful light protein and is so easy to pair with broiled or grilled veggies such as eggplant, asparagus or even tomatoes. —Emily Steers, Los Angeles, California
1 2 3 … 17 Next Page »


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Posts by tag
WhatsApp spyware is being used to curtail the freedom of the press in India
Malware is being turned against journalists and human rights activists by the Indian government. How Pegasus Spyware works?
You must update your WhatsApp app right now
An urgent update to WhatsApp has been released – and you need to install it right now.
The alarming Social Media Challenge Called Momo – myth or reality?
The form of cyberbullying known as the Momo Challenge has made a comeback and it quickly topped the headlines across the world.
Momo and the dark side of the Internet
A new viral game is causing concern among parents and children – here's how to protect your family.
Group Video Chat Now Available on WhatsApp
WhatsApp, the Facebook-owned voice, video, and messaging app, recently announced that group video calling has finally arrived for their 1.5 billion users.
New WhatsApp updates on the way – how to stay safe
The next version of WhatsApp is set to contain a number of very useful new features – here's how to use them safely.
A Backdoor to WhatsApp to Prevent Terrorism?
With the introduction of end-to-end encryption, WhatsApp has drawn criticism from intelligence agencies for offering terrorists a place to communicate. But it is unlikely that any tech companies will install a backdoor to such services any time soon.


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Coronavirus Covid-19 : Africa report
Since the coronavirus Covid-19 was detected in Africa, the pandemic is accelerating according to WHO, in the continent.The World Health Organisation (WHO) published last...
Cameroon – National Day : President Biya's full address to nation
The President of the Republic of Cameroon, Paul Biya, addressed his fellow compatriots Tuesday May 19, 2020, on the eve of the 48th National...
Cameroon : Prophet Frankline Ndifor Afanwi died
The founder of the Kingship International Ministry Cameroon, Prophet Frankline NDIFOR Afanwi died this Saturday morning in Douala.According...
Cameroon – COVID-19 : Last statistics update
By this morning may 10th 2020, Dr Manaouda Malachie, the minister of public health, published last statistics about coronavirus COVID-19 pandemic in Cameroon.
Cameroon : Honourable Joseph Mbah Ndam died
The SDF family is in deep tears. Honourable Joseph Mbah Ndam died this morning 13th of April 2020 in Yaounde.
Coronavirus : African legend Manu Dibango died of COVID-19
The famous Cameroonian saxophonist Manu Dibango died of COVID-19 at 86 old on March 24, 2020 at Sarthe in France, news from its official...
Cameroon : Journalists from the northern part equipped for the promotion of peace
The Cameroon Community Media Network (CCMN), an organization founded in 2017 in Buea, officially launched its activities in the northern part of Cameroon this...
Autopsy tests show that Mayor Ekema Patrick Esunge was poisoned with Botox
The autopsy was made on The Buea Mayor's body, Ekema Patrick, in Douala. The results showed a level of Botox 18 times higher than...
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CAF : Ahmad Ahmad will reveals the name of the organizing country of CAN 2019 in January
The host country of the 2019 African Cup of...
Africans burn F CFA tickets in symbolic support for Kemi Seba
Since the arrest on Friday (August 25th) of the...
Call for proposals : Logo and Visual identity design for the African Culture Fund
Arterial Network is pleased to announce the release of...


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DEADLINE Hollywood is reporting that American film director Michael Bay is prepping a 'dramatic reimagining' of the 1916 Easter Rebellion, which was mounted by Irish Republicans with the aim of ending British rule in Ireland. With his latest, Transformers: Age of Extinction, in the can Bay is reportedly excited to 'do to the 1916 Rising… Read more »
Category: ENTERTAINMENT
Pat Kenny Spotted At Traffic Lights 'Rocking The Fuck Out'
FORMER Late Late Show host and current presenter on Newstalk Pat Kenny was this morning …
Sky News Greenlight Second Series Of Oscar Pistorius Trial
SKY News has announced that it has officially given the go-ahead to a second series of the Oscar Pistorius trial, allowing fans of the gripping murder case to breathe a sigh of relief after concerns that it could be axed once the judge reaches a verdict. The blade-edge drama was the surprise hit of the… Read more »
Stupid Out Of Touch Fool Hasn't Heard About The Whole Jay Z Incident Yet
A STUPID out of touch fool from Cork turned up for work today without hearing anything about the whole Jay Z incident with Beyoncé's sister yet. The complete waste of space entered the cafeteria at 9:15 am this morning and sat down with colleagues who were in deep conversation about the attack. Without even thinking,… Read more »
Domhnall Gleeson To Play "Space Pikey" In Next Star Wars Movie
ALTHOUGH plot details on the next instalment of the Star Wars saga are scarce, Irish actor Domhnall Gleeson has let slip a few nuggets of information about the character he will be playing, which he has described as being a "space pikey". The young actor, best known for his role as Brendan Gleeson's son, blabbed… Read more »
Max Clifford Looking Forward To Well Deserved Career Break
High profile publicist Max Clifford is said to be eagerly looking forward to a well deserved career break following nearly 40 years at the cutting edge of public relations. Regarded by many as the King of the Tabloids, Clifford gained fame for representing many of the UK's top tier celebrities ranging from The Beatles to Jade Goody… Read more »
Ryan Tubridy Found Dead Inside
IRISH broadcaster Ryan Tubridy was reported to have been found "dead inside" at his home in Dublin, it was announced earlier today. The radio and television presenter was said to have been battling life for over forty years, and it is not known when exactly he passed away. "He may have been dead for quite… Read more »
Oxegen Fans Looking Forward To Ruining Electric Picnic For Everyone This Year
THOUSANDS of Oxegen festival fans were left in turmoil today after promoters announced the event will not go ahead this year. MCD stated their decision to terminate the festival was down to a lack of headline acts. However, many dedicated fans of the festival have vowed to attend The Electric Picnic instead, worrying many thirtysomethings… Read more »
Katy Perry's Line Of 'Vagina Perfume' Sells Out In 1 Hour
Pop sensation Katy Perry has become queen of the perfume market following the introduction of a lovely fragrant scent designed specifically for the female genitalia. Queues formed in London, New York and Tokyo as the Roar singer revealed her new fragrance 'Pussy' to her fans. The fragrance has proved very popular with the vital 'creepy… Read more »
Huffington Post Listed On Templebar Publicans 10 Most Disappointing Websites List
ONLINE website The Huffington Post has been listed as one of the most disappointing places to visit on the internet, in a new list published by a leading Templebar publican. Yves Van Michel, proprietor of Setanta O'Malleys Good Ol' Pub and Tapas Bar, has slammed the popular news blog as being a prime example of… Read more »


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I wanted to share the culmination of all the notes taken during our breakout groups at the March Staff Council Meeting where we discussed "What Does Staff Council look like in a Flourishing Community?" These have not been edited in any way. This is helping us craft our priorities for the next year, and we have also shared with the President's Cabinet to help as they think through a Flourishing Community in regards to Champlain 2025. Thank you all for your input!
Shaylea Scribner, Staff Council President


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Report a problem with this listing
Earlwood Anglican Community Church
Phone: 02 9558 7537
Location: Cnr St George's Pde and Minnamorra Ave, Earlwood NSW 2206
Mail: 92 Minnamorra Ave, Earlwood NSW 2206
Email: email@example.com
Web: www.earlwoodanglican.org.au
Description: Anglican church for the Earlwood area which also offers Sunday School for Kindy to Year 6. The high school youth group meets Friday 7pm.
Contact: Rev Brendan McLaughlin
Disability Access: Yes (ramp, toilets)
Area Served: Canterbury-Bankstown
Keywords: Anglican; Churches and Temples
Alternative Names: St George's Anglican Church
Parent Organisation: Anglican Diocese of Sydney
© Canterbury Bankstown Library [3825] Last Full Review: 1May20
Disclaimer: All information is supplied by individual service providers and no guarantee can be given as to its accuracy. All details are subject to change without notice. Inclusion of a service does not imply endorsement or recommendation.


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Research Repository
Browse by Author: Nepal, S
|Up a level
Group by: Item Type | No Grouping
Jump to: Article | Conference or Workshop Item
Number of items: 2.
Nepal, S, Dahal, Saurav ORCID: 0000-0002-8918-2036 and Shin, S (2016) Does the IEEE 802.15.4 MAC Protocol Work Well in Wireless Body Area Networks? Journal of Advances in Computer Networks, 4 (1). 52 - 57. ISSN 1793-8244
Conference or Workshop Item
Nepal, S, Dahal, Saurav ORCID: 0000-0002-8918-2036 and Shin, S (2015) Deanonymizing Schemes of Hidden Services in Tor Network: A Survey. In: International Conference on Information Networking (ICOIN 2015), 12 January 2015-14 January 2015, Siem Reap, Cambodia.


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Superstar Mahesh Babu is back with a bang. It isn't us but in fact the box-office figures that are declaring this.
With a positive talk right from the first show, Mahesh's Srimanthudu is whitewashing all the pre-existing records. Srimanthudu was naturally expected to set new records but the film has broken all the Non-Baahubali records and emerged to be the second highest grossing Telugu film in the history of Telugu cinema.
This Koratala Siva directorial has crossed the prestigious Rs 60 crores mark (gross) in just 4 days and by the end of the first week, Srimanthudu has raked in over Rs 85 crores (gross). Here is a quick breakup of Srimanthudu's (Telugu version) collections -
AP + Nizam – Rs 53.60 crores
Rest of India – Rs 12.20 crores
Overseas – Rs 19.70 crores
Total – Rs 85.50 crores (Gross Box-office Collections) Worldwide
With the same pace, Srimanthudu shall make it into the 'Rs 100 crore' club in no time. And it will soon join the elite list of Telugu films to make into the Rs 100 crore club but possibly Srimanthudu shall be the second film after Baahubali to accomplish the rare feat (and that too with no Hindi dubbing version).


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William Mackrell (b 1983, London) lives and works in London. He received an MFA from Goldsmiths College in 2016 and BA in Painting, Chelsea College of Art and Design, 2005. Mackrell engages with performance and a direct physical approach to the surfaces of his two-dimensional works to suggest the inadequacy of language to the task of conveying intense sensation and intimate thought. Paintings created by the repeated touch of a pair of lips, covered with lipstick, presentations of prone bodies illuminated and affected by faulty neon lighting, photographed body parts abstracted and detailed through a painstaking process of scratching out the paper surface, for example, all convey a certain futility and frustration in the effort toward intimacy. A recipient of the Manchester Contemporary Fund in 2017 with the acquisition of his work into the Manchester Art Gallery collection, Mackrell has received several other distinctions in recent years, including a residency with Krinzinger Projekte, Vienna, 2017.
Recent solo exhibitions include Galerie Krinzinger, Vienna (2019), ARCO Madrid, The Ryder Projects (2018), Krinzinger Project Space (2017. Recent group exhibitions include Justin Art House Museum, Australia (2019) and Albright-Knox Museum, Buffalo (2017).


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The details behind some recent top-dollar real estate transactions in the Upstate.
- Address: 100 Spring Valley Road
- Listed: $674,900
- Sold: $670,000
- Agents: BlackStream | Christie's International Real Estate, Michael Mumma and Berkshire Hathway HomeServices, C. Dan Joyner Realtors, Jill Norman
- Bragging Points: This five-acre estate has been designed so you can enjoy views of nature from every room. The home was built in 2007 by Southern Living Builder of the Year, Dillard Jones. The three bedroom, three-and-a-half bath home has an open floor plan, gourmet kitchen and a main-level master suite. There is a large back deck and a screened porch that are perfect for entertaining. The home's basement level has a finished bonus room.
- Address: 24 Afton Avenue
- Listed: $535,000
- Sold: $527,000
- Agents: Wilson Associates, Blair Miller and Coldwell Banker Caine, Thomas Cheves
- Bragging Points: This charming home is only minutes from downtown Greenville, Cleveland Park, the Swamp Rabbit Trail and Augusta Road's many amenities. The home has new exterior features including an architectural shingle roof, all new windows and a beautiful custom mahogany door. The four-bedroom, two-bath home also has lots of hardwoods, fresh paint throughout and a rebuilt fireplace. The large fenced-in backyard offers plenty of space.
- Address: 301 Shore Vista Trail
- Listed: $3,200,000
- Sold: $3,000,000
- Agents: Cliffs Realty, Tim Enterkin and Cliffs Realty, Chris Shelnut
- Bragging Points: This stunning waterfront home with mountain views was designed by award-winning Dillard Jones Builders. Located in the exclusive golf course community, The Cliffs at Keowee Springs, the home has an open concept floor plan that's sophisticatedly simple. With four bedrooms and five baths, the property balances a transitional style with exquisite design. Some standout features include a modern movie theater, an urban gym and a bunk room that sleeps four and has a connecting TV room.


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The Near South Planning Board has postponed this year's Printers Row
Lit Fest until Labor Day week-end, Saturday and Sunday, Sept. 5 and 6, from 10 a.m. to 6 p.m. Originally scheduled for June, Printers Row Lit Fest, presented by the NSPB, is the largest outdoor literary showcase in the Midwest, with 100% free programming.
New York Times bestselling author and National Book Award winner Ta-Nehisi Coates will headline the festival, as previously announced. Coates will receive this year's Harold Washington Literary Award, kicking off the fest on Sept. 5 at 10 a.m. at the Cindy Pritzker Auditorium at the Harold Washington Library, 400 S. State St.
Organizers expect more than 100,000 visitors during the fest, which will feature nearly 100 events with local and national bestselling authors and more than 100 diverse booksellers—plus spoken word performances, chef demos, writing workshops, and events for children and young adults.
The fest will take place along Dearborn Street from Polk Street north to Ida B. Wells Drive. All festival programs are free and open to the public. For more information, visit printersrowlitfest.org.


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For city dwellers like us, one of the most common ways to de-stress is hanging out at the mall. Whether it's spending a few hours off for some alone time walking around, treating ourselves to a little bit of shopping or catching a movie or grabbing a bite with our barkada – malls have become a place of comfort. Spending time in malls has become so ingrained in our weekly routines. Chances are, you sometimes find yourself looking for a different kind of mall experience.
The Venice Piazza at McKinley Hill is arguably the most romantic establishment in Metro Manila. Its one-of-a-kind European-inspired aesthetic gives off a unique vibe that's solely its own. Matched with Venice Piazza's exquisite array of boutiques and restaurants, it's the perfect go-to for dates and bonding time with friends or family.
Interestingly, there's more to do in Venice Piazza apart from shopping or gondola-riding. On your most stressful days, it's definitely the place to be. There are quite a number of establishments ready to cater to your relaxation needs.
For starters, yoga is proven to be an effective stress reliever as it does wonders to your body in terms of energy, respiration, and metabolism. Yoga+Express offers various classes perfect for everyone of all ages and expertise levels. The best part? They also happen to be the most affordable yoga studio in the metro. If you're really looking into letting all out, try their hot yoga class and get rid of all the bad juju.
Another classic rest & relaxation favorite is the massage. About a 5-minute walk from Venice Piazza, still within Mckinley Hill is Aloha Wellness Spa. Offering traditional Hawaiian massages and treatments, you're in for a treat. Their best-selling massages are the Lomi-Lomi massage and the Hot Stone massage. For the best bang-for-your-buck deal, opt for a massage + scrub combo. You get an entire 90-minute relaxation service that will also leave your skin feeling supple and soft.
Last, but not the least, finish off your pamper day with the best mani & pedi service you can get. I Do Nails offers a wide range of services ranging from regular polish manicure & pedicure to complete hand and foot care packages and plyogel nail enhancement. What makes I Do Nails different from your usual nail care salon is the expertise of their nail technicians. Down to the tiniest details, they make sure to give you the best service possible.
It's important to keep in mind that as much as achieving your goals is important, you also have to look out for your well-being. The next time you find yourself stressed out over work or for whatever reason – head on over to the Mckinley Hill and treat yourself to a bit of pampering. You deserve it!


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Articles Tagged 'Barb Huggett'
Captivate adds a new programmatic partner
The DOOH specialist has partnered with Hivestack to make its inventory available to more buyers.
Captivate inks new deal with Cadillac Fairview
The deal will see Captivate's new multipurpose screens installed throughout CF's building network.
Captivate's major expansion in Ottawa
Besides increasing its screen count, the DOOH company has added bilingual functionality to reach a greater number of residents.
Captivate sees spending shift as it celebrates 20th anniversary
SVP of advertising and Canadian GM, Barb Huggett, talks about the company's plans for its milestone year.
Captivate expands its network, says hello to Ottawa
The location-based advertising network will also bring its lobby monitors to the Canadian market.
Captivate looks to embrace digital, real estate with new hires
The OOH agency is also looking at simplifying its Canadian sales by creating a new leadership position overseeing sales and real estate.
Captivate names national sales director
Jenny Therriault has joined the agency in the new role.
ICYMI: Globe adds to sales team, CFL's web series
In case you missed it: the Globe and Mail has added two to its Globe Alliance sales team, and the CFL is introducing a new web series.


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February Real Estate Statistics
Tags: Ottawa Real Estate, OREB, Real Estate Statistics, OREA, CREA
In February, REALTORS sold 1,141 properties which was an increase of 13.9% from February 2019.
The average sale price of a residential property sold in February was $563,694. Which is an increase of 21.1% over February last year.
The average sale price of a condominium sold in February was $349,813, which is an increase over last year by 21.3%.
According to the 2020 President of the Ottawa Real Estate Board (OREB), Deborah Burgoyne;
"After a record-breaking 2019, January saw a minor dip in sales; however, February's numbers suggest Ottawa's resale market is heading back into overdrive. The average Days on Market (DOM) decreased to 30 days for residential properties, down 12% from last year and condos fell 58% to 19 DOM. Figures for median Days on Market bring those numbers down to 9 DOM (combined). As a matter of fact, in specific highly sought after neighbourhoods, sold signs are going up after only 1-2 days. These increases are a direct result of the sustained lack of inventory putting upward pressure on prices, and this trend is likely to persist until supply recovers and is bolstered with newly constructed units. Multiple offers have become commonplace in certain pockets of the city, and one of the Board's statistical indicators shows that approximately 58% of properties are selling for over the asking price, compared to 32% of properties a year ago. With the first day of spring only weeks away, I suspect the frenzy of the spring market will be well upon us before the weather catches up. When there is limited inventory, it's always a good time to sell, and the earlier you get on the market, the more you can differentiate your home. Be sure to entrust your home sale or purchase to an experienced professional."
OREB Sales Representatives also helped clients rent 498 properties since the beginning of the year.


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Blockchain Marketing Expertise
The Winders Group is a new kind of marketing agency for the blockchain economy. Through our global collective of marketing professionals and partnerships with leading blockchain consultancies, TWG assembles virtual teams of experts to deliver performance-driven campaigns for our blockchain clients on an international scale.
To schedule a free 30-minute consultation with one of our blockchain marketing experts, please complete the form below.
TWG blockchain marketing services include:
- Strategy and Positioning
- Content and Design
- Public Relations
- Community Management
- Bounty Programs
- Advertising
- Email and Marketing Automation
- Event Marketing
- Social Media Management


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1159 Summerwind Cottage: Vacation Rental Property in Johns Island SC
1159 Summerwind Cottage: Vacation Rental Property in Johns Island SC
Spectacular, updated cottage with amazing golf course views!
Vacation Cottage in Johns Island South Carolina
|3 Bedrooms • Sleeps 7
|2 Full Bathrooms
|Living Space:
|1550 sqft.
|Pool (Private)
|Internet Access
Rates & Availability
(Displayed in USD)
- Daily Rates from $210 to $575 per night
- Weekly Rates from $1,000 to $10,000 per week
Late Summer 2020
Aug 15, 2020 - Sep 11, 2020
Winter 2 2020
Oct 30, 2020 - Nov 21, 2020
Thanksgiving 2020
Nov 22, 2020 - Nov 27, 2020
Winter 2 2020-2021
Nov 28, 2020 - Mar 19, 2021
Spring Break 2021
Mar 20, 2021 - Apr 16, 2021
Spring 2021
Apr 17, 2021 - May 14, 2021
Property Description
1159 Summerwind
Located in the Summerwind neighborhood, this home is nestled in the trees and overlooks the second hole of Ocean Winds golf course. Conveniently located just 1 mile from the Beach Club pools, Island House, and golf courses, you and your family and friends can enjoy a peaceful retreat while being close to so many of Seabrook Islands great amenities. Hop on your bikes and take the short ride to Pelican Beach to watch the sunset over the Edisto River. Ride in the other direction to North Beach where you'll enjoy open sands and maybe even see the dolphins strandfeeding. This cottage is perfect for your Seabrook Island vacation!
New owners have recently added their own touches to this updated 3 bedroom, 2 bath home. The open living area features a vaulted ceiling giving it the feeling of spaciousness, while plenty of comfortable seating beckons for everyone to gather. The large HDTV and DVD are terrific for watching your favorite shows or movies. This house has a bonus sun room where you'll want to spend time admiring the beautiful panoramic views. Gather around the sun room dining table that seats 6-7 and feel like your dining al fresco. You will love the casual coastal vibe of the new furnishings throughout. The kitchen is fully stocked and ready for you to enjoy. There is a Weber propane grill on the lower level for your BBQ favorites and an outdoor shower to rinse off the sand after a fun day at the beach. The outdoor deck provides additional opportunities to take in the beauty of Seabrook Island. A washer and dryer is also available for your convenience.
The master bedroom has new furniture featuring a king size bed, 32" television and sliding doors leading out to the sun room. The en suite bath has a granite counter vanity and full tub/shower. On the opposite side of the house are the two additional guest bedrooms, also with new furniture. The 2nd bedroom has a queen bed. The 3rd bedroom has 2 twin beds with a trundle, 32" tv and sliding doors leading out to the deck.
Amenity cards giving you access to the facilities of the Seabrook Island Club are available for purchase for $25 per day/$150 weekly. These cards give you access to the Beach Club oceanfront pools (seasonal), Pelican's Nest outdoor restaurant/bar (seasonal), Island House restaurant/bar, golf and tennis. Additional fees are charged for all activities except outdoor pool usage. The Club Amenity Card also allows access to the Lake House facilities (outdoor pool/no fees; indoor pool/fitness center/fees apply).
The owners have thought of everything to make your stay comfortable. You will want to return year after year to this wonderful location. You and your family will truly enjoy 1159 Summerwind Cottage!
SI Business License 20190017
Activities and Special Interests
This property provides access to the following activities and special interests:
Featured Amenities
Property Features
Other Property Amenities
- Club Amenity Card Available - Guest Pays Fee
- Tennis
- Golf
- Club Dining
- Beaches
- Lake House Amenity Card Available
- Equestrian Center
- Seabrook Shoppe
- Solid Surface Countertops
- Fully Stocked
- Kueirig and Cuisinart Coffee Pots - Filters provided
- Deck
- Sun Room
- Near Beach Club
- Near Clubhouse
- Near Golf
- Near Club Dining
- Golf View
- Outdoor Shower
- Shopping & Dining
- Biking
- Boating/Sailing
- Charleston Sightseeing
- Fishing
- Kayaking
- Massages
- Wildlife Viewing
Other Rentals from Coastal Getaways of South Carolina
- 3728 Seabrook Island Road 3 Bedroom Vacation Rental
- 2501 Chateau By The Green 3 Bedroom Vacation Villa For Rent
- Home 1 Bedroom Vacation Villa For Rent
- 3575 Seabrook Island Road 4 BD 3 BTH
- 3702 Bonita Ct. 4 Bedroom Vacation Rental Sleeps 11
- Home 2 BD 2 BTH
- 1344 Pelican Watch Villa 1 Bedroom With Pool
- 2008 Marsh Walk Seabrook Island, South Carolina
- 2776 Live Oak Villa Charleston Area
- Home Seabrook Island, SC
Related Tags
- 1159 summerwind cottage johns island south carolina
- 1159 summerwind cottage charleston area
- 3 bedroom vacation rental
- south carolina vacation places to stay
- sleeps 7
- johns island rental with private pool
- 3 bedroom cottage


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Recent Linux has this commit:
commit 16e5726269611b71c930054ffe9b858c1cea88eb
Author: Eric Dumazet <firstname.lastname@example.com>
Date: 2011-09-19 05:52:27 +0000
af_unix: dont send SCM_CREDENTIALS by default
Since commit 7361c36c5224 (af_unix: Allow credentials to work across
user and pid namespaces) af_unix performance dropped a lot.
This patch includes SCM_CREDENTIALS information in a af_unix message/skb
only if requested by the sender, [man 7 unix for details how to include
ancillary data using sendmsg() system call]
Note: This might break buggy applications that expected SCM_CREDENTIAL
from an unaware write() system call, and receiver not using SO_PASSCRED
socket option.
If SOCK_PASSCRED is set on source or destination socket, we still
include credentials for mere write() syscalls.
so we need to do at least one of these:
* teach the Python (Twisted) code to send ancillary data
(probably somewhat difficult)
* have Gabble enable SO_PASSCRED before telling the Tubes client
about the socket, instead of enabling it just in time for the relevant
read, and keep it enabled until the creds have been passed
Of course, using GLib for the credentials-passing would also be good (but we'll have to check that it doesn't have the same bug).
I also spotted a related problem when receiving creds: we blindly assume that the CMSG_FIRSTHDR is of type (SOL_SOCKET, SCM_CREDENTIALS), rather than iterating through all cmsg headers.
I disabled the test for now with this commit: 8d7efad30c8633d6df4a0635eb7f78f2fa326e9a
-- GitLab Migration Automatic Message --
This bug has been migrated to freedesktop.org's GitLab instance and has been closed from further activity.
You can subscribe and participate further through the new bug through this link to our GitLab instance: https://gitlab.freedesktop.org/telepathy/telepathy-gabble/issues/205.
Use of freedesktop.org services, including Bugzilla, is subject to our Code of Conduct. How we collect and use information is described in our Privacy Policy.


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The craziest ways to spend money in Japan
Sometimes, you want to indulge in something irrational, and it does not matter how much it will cost. In this case, an urgent need to get a plane ticket and go to Japan. In the Land of the Rising Sun to get rid of the contents of his own purse far more than anywhere else in the world. Try really exclusive dishes, get new experience and unforgettably spend the day - Japan is the best option for this.
1. Send a toy on a journey
In 2001, in the French film "Amelie" eponymous heroine sends a garden gnome of his father on a journey around the world. Send photos from a trip to the famous sights of the gnome. In Japan Sono Azuma does the same thing, only it will charge a small fee and works with soft toys.
Azuma runs crazy, but still a nice travel agency, known as the Unagi Travel. For $ 45 it will be accompanied by teddy bears, plush cats and dogs in the tour around Tokyo, taking pictures in front of such places as Tokyo Tower and Sensoji Temple in Asakusa. For $ 55 it will hold a VIP-tour of Japanese hot springs. Azuma even offers its services to people outside of Japan.
It has opened a website in English for customers in America and Europe, where customers can consider buying tours in Kyoto (95 dollars), the Kumano Kodo ($ 55) and a mysterious mysterious tour ($ 35). During the trip, she always informs its customers about the whereabouts of their animals through Facebook, and at the end of a trip free toys and sends images to the owner.
Although business Azuma sounds a bit strange, in fact it is quite a popular service. For example, her tours have helped people cope with the loss of family members. Observation of their toys traveling around Japan, have really raised their spirits and help to cope with their grief.
2. Dine mud
In Japan, it thrives a lot of fancy restaurants such as Alcatraz ER (hell of a prison hospital) and Alice of Magic World (Alice in Wonderland). However, Ne Quittez Paz stands out among its peers thanks to its chef (former boxer) Toshiro Tanabe. For $ 110 per person Ne Quittez Paz offers a full lunch, which is included in every meal a special ingredient: the dirt.
The idea of land use may not sound appetizing, but it is necessary to be sure - Tanabe uses only the best land. It gives the company Protoleaf from Sri Lanka and India, where it dug to a depth of 10 meters. Subsequently, the company heats it to kill all the bacteria, and then sends it to Japan, where Tanabe creates out of her wonders in the kitchen.
3. Buy "clone"
If someone has always wanted a miniature version of a loved one, it's time to visit the Tokyo factory clones. Although there still have not learned to do these clones, if the client is willing to part with $ 1300 - 1750, it will make a doll that looks like its exact miniature replica.
This process takes place via a plurality of digital cameras and the 3D-printer. The client is seated in a chair, and then photographed from various angles. When the photo session ends, the technicians are doing a digital map the client's head and print it the 3D-printer.
4. hire another day
Many feel lonely and melancholy in Japan and did very common. In fact, more than one million people suffer from "hikikomori", an extreme form of loneliness and social isolation in which people are locked in their bedrooms and completely stop communicating with friends and family. Companies such as Hagemashi Tai hire actors who will play any role of boyfriend to a relative. For example, fake friends will appear at weddings will pretend friends the bride or groom. Similarly, Ossan Rental fill a very specific niche. The company, whose name translates as "Rent older men", rents out a total of two men: expert fashion Takanobu Nishimoto (46 years old) and the retired baseball player Mikio Sendou (65). For $ 10 per hour these men will accompany the customer to shop, play games and spend the day talking with customers and offer them advice.
5. Go for cats in the cafe
There are two kinds of people in the world: those who hate cats and anyone who loves them. Fortunately for the representatives of the cat family, Japan is one of the friendliest cat in the world countries. The Japanese like to spend time with furry pets, but there is one serious problem: if they are not married, have no children and live in close condominium, most people can not own pets.
Japanese householders are very strict and do not allow cats in their apartments. So, what to do, the young lover of cats. Of course, to visit Cat Café. After the first such cafe appeared in Taiwan in the late 90s, they literally conquered Japan. Today, throughout the country there are about 150 cafes, it is just the perfect place for permanent employment office workers who want to relax with their favorite animals.
Typically, the cat cafe live from 12 to 24 cats, and although there are also bred, most cats - ordinary street humming. Customers spend their time sipping coffee (which usually costs about $ 1, 97 per cup), resting at the tables or on couches and waiting will bring cats. Some people even paint or take pictures of cats, but it is strictly prohibited flash.
Cat Café attract people from all walks of life. Tourists, officials and businessmen happy to go pat pussies and play with them. While the majority of spending about half an hour in the cafe, some of them carried out in up to 6 hours. Is it worth the expensive. Cafe Neko no mise 10 minutes cost $ 1, 5, and in the cafe Calico first hour will cost $ 9, and every fifteen minutes thereafter - $ 2.
6. The wine dip in the pool
Hakone Kowakien Yunessun - not just the usual hot spring. Yunessun Resort & Spa is located outside of Tokyo, is open only twelve days a year, but it attracts a lot of visitors. In addition to themed resorts, such as the Roman baths, the resort offers the unusual pools filled with liquids, which most people usually consider a drink. For example, one pool filled with emerald green tea, which is expected to be useful for the skin.
Customers who want something stronger, can relax in the biggest "cup" of coffee on the planet. Oddly enough, there is a pool of ramen, which is full of peppers and pork broth, but no real noodles. However, the most popular pool is the spa of red wine, which is derived from a giant bottle of Merlot. On Valentine's Day Spa offers a sticky chocolate bath.
7. Hire a fake priest
Christianity is still not very popular in Japan. While 77% of Americans and nearly 60% of Britons believe in Jesus Christ, they believe in it only 1% of the Japanese. And it makes Japanese wedding is incredibly strange. Almost 90% of weddings are held in traditional Christian manner, complete with white dresses, "Ave Maria" and, most importantly, fake priests.
Western fascination with weddings began in the 80s, when millions of Japanese citizens watched on TV how to pronounce their vows celebrities such as Princess Diana and singer Momoe Yamaguchi. Since then, the number of Christian weddings increased, only the majority of the priests conducting the ceremony, coming from the US and Europe. Of course, there are real Japanese priests, but there are three reasons why they do not participate in most ceremonies.
Firstly, they simply do not have enough for each event. Secondly, the majority of local priests do not like these trends, as most weddings are not connected with Christianity - couples are more concerned with appearance than the meaning. Third, most people do not want the Japanese priests, because many people believe that they are not "authentic." After all, if someone is going to spend the western wedding, it is worth spending a Westerner. Feeling a great opportunity to make money fast, wedding companies have started to hire native English speakers to work as priests, despite the fact that they have no religious education. In fact, many of them are not even Christians. All that matters is that they know the Japanese language and can read a few psalms. Less than half an hour of action fake priests can earn 120 dollars.
8. Buy finger prosthesis
Industry fake finger serves a very unique clientele: the members of the Japanese mafia, also known as the Yakuza. Why did the gangsters need a fake fingers. This is due to the bloody ritual of the underworld, known as "yubitsume". If gangster commits any offense, he may redeem himself and prove loyalty, voluntarily cutting off the last joint of his little finger.
If he was guilty again, it cuts off the next joint, then the third, and then move on to the other fingers. It is believed that this tradition goes back to the days of the samurai, when the amputated finger meant that a soldier could not wield his sword properly and had to rely on his master for protection. Today, it is a sign of criminal activity, so a person with a very difficult to get amputated fingers work. They come to the aid of people like Shintaro Hayashi and Yukako Fukushima.
Hayashi and Fukushima make dentures parts of the body, usually for accident victims or patients with breast cancer. However, since the government cracked down on gangs, people like Hayashi and Fukushima, are becoming more and more popular among Japanese criminals. Some manufacturers of prostheses (eg Fukushima) provide only fake fingers for retired gangsters, hoping to start all over again. Others, such as Hayashi, less choosy and make fake fingers for mobsters who want to keep their identity a secret during public events. Fake fingers worth from $ 1 400 to $ 3 000. Made of silicone, they look a hundred percent realistic. Each finger is made to order to look like a natural part of the hand.
9. Visit interior cleaning ears
Typically, people clean their ears with cotton sticks. However, things are different in Japan. For a small fee the young girls will clean the ears of anyone. Caring for the ears is very important in Japanese society. In addition to direct care function ear canal, it is believed that cleaning ears improves the health of the skin and helps to lose weight.
In fact, clean ears are so important that some consider the responsibility of the mother to clean ear wax from her husband and children. But when children are growing up, many frequented by special cleaners ears that appeared throughout Japan.
Since the license for this is not required, anyone can start their own business to remove earwax. Customer first enters the room, decorated in Japanese. Young woman dressed in a kimono, serves him tea and entertaining conversation.
Then she puts the client's head in her lap, covering the face with a napkin and uses a set of sticks "mimikaki" bamboo, metal or plastic, each of which is equipped with a special scoop for scraping the pieces of earwax. A session typically lasts thirty to seventy minutes and may be from 32 to 100 dollars.
10. Buy crooked teeth
In the Land of the Rising Sun the latest "rage" are considered to be the girl with crooked teeth. This style (known as "Yaba-tsuke") became fashionable thanks to celebrities such as pop singer Tomomi Itano, whose curves of nature teeth brought to mind a lot of young people. Inspired by his idol, fashion teens (and even women in their 20s) have begun to attend special clinics where dental beauticians put their "curves" bridges.
a $ 400 dental paste fake teeth made of ivory to real teeth, giving the impression that the teeth protrude forward. Apparently, this fashion has become so popular that there is even a group of girls, in which all participants are using tsuke-Yaba. According to the boys, curved "smile" make girls more "affordable." Such drawbacks help easier to strike up a conversation with them.


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Cozy Studio in Ghalia JVC
Cozy Studio in Ghalia JVC
About this propertyBook a Home Holiday Homes proudly presents to you our studio in Jumeirah Village Circle (JVC) a beautiful self-contained and family-friendly community that boasts a range of amenities, modern facilities, calm ambiance, and abundant green expanses. Features: - 24/7 Concierge Service and Reception - Valet parking service - Elegant lobby - Well-appointed kitchens - Elegant furnishings - Stylish bathrooms - Majestic bedrooms - Quran prayer recitation in the common areas - Separate leisure and dining facilities for men and women
Why this property
This cozy studio in Ghalia Jumeirah Village Circle (JVC) has a beautiful self-contained and family-friendly community that boasts a range of amenities, modern facilities, calm ambiance, and abundant green expanses.
You can relax and enjoy with the an access of facilities.
Let's Get Down to Details Essential Info
Cozy Studio in Ghalia JVCGhalia Tower,
Check-in Time:
Check-out Time:
Maximum Occupancy:
Built in Wardrobes
Central A/C
Covered Parking
Gorgeous Swimming Pool
Iron & Iron Board
Kitchen Items
Swimming Pool
Washing Machine
Wifi or Internet
Contact your host
Book A Home Holiday Homes
User Name
• Flexible – 14 days prior to arrival no charge will be taken • If the BOOKING START DATE is LESS THAN 14 days away from your CANC...
For full details Click here
No party allowed Music / Speakers are prohibited No pets allowed No smoking allowed ...
For full details Click here
By visiting our Site in any way, including as an unregistered website visitor, you agree to these Website Terms. These Terms are applicable only to ...
For full details Click here


text:
The most trusted and reliable digital marketplace of UAE is taking initiatives to help shoppers during these tough times. Noon, recently announced that the launch of "Noon Daily" on the Noon App will ensure everyday grocery and food essentials needs of the people are being met.
Noon believes that these tough times have brought the whole community together and together we will fight this global pandemic. Noon has taken care of all the precautionary measures right from the safety of consumers to payment methods, and the safety of delivery personnel.
"Need grocery & Food Essentials during Ramadan to make Iftar dinners? Don't worry, Noon's Next-day delivery will help you get most items delivered to your doorstep in no time."
Noon Daily offers a wide range of products including fresh vegetables, fruits, dairy products, milk, packaged food, meat, frozen food, baby food, essentials, healthcare, bathroom cleaners, hand sanitizers, bathing essentials, purifiers, room fresheners, and much more. All this will be delivered to your doorstep the next day so that you don't have to wait too long for it. Also, Noon Daily orders do not come with a minimum purchase condition, so you can order anything you want at cheap prices using Noon Coupon.
Sami Al Qamzi, Director General of Dubai Economy, heaped praise on the initiative taken by Noon by providing basic needs to people at fair prices during this Covid-19 outbreak. He also said that support from the community for e-commerce will help Dubai grow as a competitive commercial center and a place for people to grow, invest and work.
In response to this, Mohammad Alabbar, founder of Noon, added "Noon is a brand for the people and by the people and these tough times have made our service and dedication stronger. The launch of Noon Daily highlights the company's commitment to Dubai's economy and preparation for better growth in the coming years. Also, the company feels the privilege to serve the people during these unprecedented times and ensuring they stay safe at home.
Noon supports the Stay Home Campaign led by the government of UAE and is working day and night for the people of UAE. Noon is providing pre-payment for all orders and a leave-at-the-door silent delivery which is 100% contactless. Also, a proper hygienic environment is being maintained at the warehouses, delivery checks, and regular temperature checks being done for delivery personnel and employees working at Noon.
So, if you need anything urgently, just sit on the couch, open the Noon App, and start ordering because "Safety is the first priority".


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Convolvulaceous vs Jalap - What's the difference?
convolvulaceous | jalap |
As an adjective convolvulaceousis (botany) of, pertaining to, or resembling the family of plants of which the bindweed and morning glory are common examples.
As a noun jalap isa cathartic drug consisting of the tuberous roots of ipomoea purga , a convolvulaceous plant found in mexico.


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1828 L St NW, #640, Washington, DC 20036
1200 G St NW #350(202) 289-2001
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Not BLACK FRIDAY at Blackpool's Grand
6 min read
It's not BLACK FRIDAY at Blackpool's Grand Theatre. We're offering great deals all-year-round!
Preparing for the madness of Black Friday? Relax and sit back, Blackpool's Grand Theatre is bringing back it's #NotBlackFriday!
It's been dubbed the biggest shopping day of the calendar year – but are the deals really that good? This year the retail shopping extravaganza will take place on Friday 29 November 2019, marking the official start date of the consumer rush for bargains in the countdown to Christmas.
Blackpool's Grand doesn't believe in Black Friday; our philosophy is putting on the best shows at the best prices all year round. That's why we're celebrating #NotBlackFriday. To show you what we mean here are some great savings/early bird discounts that are available RIGHT NOW!
Peter Pan
Meet Peter and the lost boys, Tiger Lily and Tinker Bell and get ready for a family show full of fun, fairy dust and pirates galore.
Family of 4 Ticket: £81 (Select 4 adult tickets and enter promo code FAMILY4TKT)
Senior Pass for 4 Ticket: £71 (Select 4 adult tickets and enter promo code SENIOR4TKT)
* Limited dates available
Grand Christmas Concert
Poulton-le-Fylde Brass Band will celebrate the festive season in rousing style with the yearly Grand Christmas Concert.
Family of Four: £50 (Select Four Adult Tickets and Enter Promo Code: BRASS4)
Under 18s: £13.50
18 to 26s: £13.50 (first 50 tickets, weekdays only; subject to availability)
The Russian State Ballet of Siberia; Sleeping Beauty, The Nutcracker, Swan Lake
Performed by The Russian State Ballet of Siberia. Accompanied by a live orchestra The Orchestra of the Russian State Ballet.
Under 18s: Half Price
Group 10+: £4 Off
Group 50+: £5 Off
Joe Brown
Premier rock 'n' roll legend Joe Brown takes to the road to celebrate 60 years in the business.
Concessions: £2 Off
Group 20+: £3 Off
Group 50+: £4 Off
Sing-a-Long-a Bohemian Rhapsody
The smash hit film as you have never experienced it before, celebrate Queen, their music, and their extraordinary lead singer Freddie Mercury.
Under 18s: £14.50
Group 10+: Buy 10 Tickets, get the 11th Free
Royal Shakespeare Company's Triple Bill
Measure For Measure: When a young novice nun is compromised by a corrupt official, who offers to save her brother from execution in return for sex, she has no idea where to turn for help. When she threatens to expose him, he tells her that no one would believe her.
As You Like It: Rosalind is banished, wrestling with her heart and her head. With her cousin by her side, she journeys to a world of exile where barriers are broken down and all can discover their deeper selves.
Taming of The Shrew: Baptista Minola is seeking to sell off her son Katherine to the highest bidder. Cue an explosive battle of the sexes in this electrically charged love story.
Link Ticket Offer: Two Shows: £45 (Evening) £34 (Matinee)
Link Ticket Offer: Three Shows: £61.50 (Evening) £45 (Matinee)
Aida and Carmen
The Russian State Opera presents the premiere of Aida – Timeless and emotional opera with breath-taking melodies. Plus, Carmen – the most powerful, enjoyable and tuneful opera.
Concessions: £2.50 Off
18 to 26: £13 (first 50 tickets, weekdays only; subject to availability)
Whittaker's World At Your Feet
World At Your Feet celebrates the best of song and dance including Riverdance, Tao, Ballet, Jazz, Contemporary and Musical Theatre by the elite students from Blackpool's Whittaker Dance and Drama Centre (est 1952).
Concessions: £12.50
Under 18s: £12.50
Group 20+: £4 Off
The Cher Song Book
Join us for a stunning concert as we turn back time and celebrate the Goddess of Pop in Believe – The Cher Songbook. An exhilarating show sensationally recreating all her hits, the hair, the costumes from her breath-taking career spanning six decades.
Group 10+: £3 Off
Group 50+: £4 Off
Ballet Boyz Deluxe
Applauded across the globe, the multi-award-winning Ballet Boyz are back with a new programme, fusing the work of some of the world's leading composers and choreographers.
Concessions: £3 Off
Under 18s: £3 Off
Shrek The Musical
Everyone's favourite ogre is back in the hilarious stage spectacle based on the Oscar-winning smash hit film. Presented by Blackpool Operatic Players.
Early Bird: Book before 31 December and save £5 per ticket (Evenings, Band A tickets only. Excludes Family Tickets and Group Tickets, valid on a concession Evening Tickets.)
Family 3 (2 adults 1 child): £57 (Band A and B Only)
Family 4 (2 adults, 2 children): £80 (Band A and B Only)
La Boheme and Madama Butterfly
Opera & Ballet International proudly present two Ellen Kent productions, with international soloists, highly-praised chorus and full orchestra.
Link Ticket: Book both La Boheme and Madama Butterfly £50 to £56 (Full price tickets only, excluding offers).
Northern Ballet Little Red Riding Hood
Retelling the classic fairy-tale with a Northern Ballet twist, Little Red Riding Hood is the perfect opportunity for your little ones to enjoy live ballet, music and theatre.
Tickets only £8!
The Children's Theatre Partnership and Royal & Derngate Northampton present the Nottingham Playhouse production of Holes by Louis Sachar. Stanley Yelnats, born into a family cursed with bad luck, it comes as no surprise when he finds himself accused of a crime he didn't commit.
Family of Four: £64 (Top Price Band Only, using Promo Code: HOLES4)
18 to 26s: £13.50
Students: £3 Off (with a valid Student ID)
Breakin' Convention
Breakin' Convention, the world's ground-breaking festival of hip hop dance theatre, is back with a fresh new line up! Expect jaw-dropping and inspiring performances from internationally celebrated poppers, lockers, b-boys and b-girls!
Family of Four: £40 (Select 4 adult tickets and enter promo code: DANCE4)
Under 18s: £9.50
18 to 26s: £9.50
Tiger Who Came To Tea
Direct from the West End, the Olivier Award nominated smash hit show, The Tiger Who Came to Tea returns on tour, celebrating over 10 years on stage! Join the tea-guzzling tiger in this delightful family show; packed with oodles of magic, sing-a-long songs and clumsy chaos!
Family of Four: £54 (Using Promo Code: TIGER4)
Juliet and Romeo
Due to popular demand Lost Dog return with their new show, Juliet and Romeo, which reveals the real story of Romeo and Juliet. It turns out they didn't die in a tragic misunderstanding, they grew up and lived happily ever after. Well they lived at least.
Tickets only £15.50!
Boogie Nights
Boogie Nights The 70s Musical tells the hilarious and heart-warming story of Roddy, a Jack-the-lad, whose life of birds, booze and boogie is about to be turned upside down. Presented by Blackpool & Fylde Light Opera Company.
Family of Four: £64 (Select for Adult Tickets and enter Promo Code BOOGIE4)
Under 18s: £15.50
Beyond the Barricade
Featuring past principal performers from Les Miserables. Delivering over two hours of the best of Broadway and the West End, ending or course with a stunning finale from Les Mis.
Group 10+: £3 Off
Group 50+: £4 Off
Snow White and The Seven Dwarfs Pantomime
Mirror, Mirror on the wall… What's the greatest panto of them all? Snow White and the Seven Dwarfs at Blackpool's Grand of course…
Family Ticket (4): £84* (Select 4 adult tickets and enter the promo code FAMILY4TKT)
Senior Pass: £74* (Select 4 adult tickets and enter the promo code SENIOR4TKT)
*Limited dates available
So, who needs Black Friday when you have these great offers all year round! Look at all the Blackpool Grand's shows at www.blackpoolgrand.co.uk and remember to Tweet our special hashtag it's #NotBlackFriday.
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SBI Cards and Payment services (SBICPS), subsidiary of SBI filed its DRHP with SEBI for its upcoming IPO. The DRHP is voluminous and runs to about 500 pages. We dissect the issue and business of SBI Cards in this post.
The equity share capital of the company as on the date of filing the DRHP is 93.23 Cr shares of Rs 10 each. 74% of this or 68.99 Cr shares is held by SBI(promoter) and 26% or 24.24 Cr shares by CA Rover Holdings, an affiliate of the Carlyle Group.
Carlyle Group entered the business in 2017 by buying out stake of GE Capital, who had been associated with the company for over two decades. GE Capital's stake sale was bought by both SBI and CA Rover. CA Rover paid Rs 2,000 Cr for its 26% stake, valuing the company at Rs 7,700 Cr at that point.
Below is how the shareholding has changed over the last two years
Source: DRHP
The company will sell 14% of its equity in the IPO. The details of this issue are
SBI will sell 3.72 Cr shares or 4% and CA Rover 9.32 Cr shares or 10%. The company hasn't given any details about the price at which it is going to offer its shares. It is however estimated that the 14% stake sale will fetch the company anywhere between Rs 8,000 – 9,500 Cr. This pegs the value of the company in the range of Rs 58,000 – 68,000 Cr. At these valuations CA Rovers stake will be valued at about 15,000 – 17,700 Cr. It will make 7-9X on its investments made couple of years back.
The fresh issue of shares is 500 Cr, these will be used to strengthen the company's capital base and ensure its compliance with RBI directives. SBI Cards is registered as NBFC – ND – SI (non banking finance company – systemically important non deposit taking company).
Update: SBI shareholders bidding in the shareholder reservation portion can also bid under the net offer (offer less the employee and shareholder reservation portion) and these will not be treated as multiple bids. However if the shareholder bids over 2 lakhs in the share holder reservation portion then they cannot bid in the net offer, these will be treated as multiple bids.
Credit cards fall into the unsecured loan category, the other loans which fall into this segment are personal loans and consumer durable loans. The unsecured loan market at the end of FY19 was estimated to be Rs 5 trillion. 73% of this comprises of personal loans, 22% credit cards and 5% consumer durable loans.
Unsecured loans have been the fastest growing category in retail credit, registering a 28% CAGR in the FY14-19 period.
Delinquency in personal loans is in the range of 0.5-0.7%, credit cards 1.5-1.8% and consumer durable loans 1.5-2%.
Some of the salient features of the credit card market in India are
There are 74 players offering credit cards in the India. HDFC Bank, Axis Bank, ICICI Bank and SBI Cards dominate the market, 72% of the cards outstanding* (volume) in FY19 are with these 4 players. In terms of credit card spends – 66% of the total spends are held by these players.
SBI Card and BOB Card are the only credit card issuers who are NBFCs while the other issuers are banks. Borrowing costs of NBFCs are higher that what it is for banks, this is because they do not have access to low cost deposits.
Below tables depict the trend in credit cards outstanding and total spends for key players in the industry.
Observations from the above tables
Observations from the above charts
One of the sources of how a credit card business makes money is the outstanding credit card balances that customers do not pay on time and roll over the outstanding amounts. The credit card company charges high interest rates on these outstanding dues. About 50% of the revenues for a credit card company are from this stream.
The above chart shows a trend of the average outstanding balances of 4 players. Data for Citibank is not available.
Observations from the above chart
SBI Cards started its operations in 1998, the business started off as a JV between SBI and GE Capital. GE Capital sold its stake to SBI and CA Rover Holdings in 2017. In April, 2018, SBI Business Process and Management Services, a company providing back end payment and processing services to SBI Cards was merged with the company (SBI Cards).
The company is the second largest player in the Indian credit card market. Its market share in total cards outstanding and total spends stood at 18% and 17% respectively at the end of FY19.
The credit card portfolio of the company includes SBI branded cards and co branded credit cards. It offers four primary branded credit cards – Simply Save, Simply Click, Prime and Elite. Co branded credit cards are issued in partnership with players in the travel, fuel, fashion and healthcare industries. Some of its co branded partners are Air India, Apollo Hospitals, BPCL and OLA Money.
The company issues cards with Visa, MasterCard and RuPay payment networks. These companies provide access to SBI Cards to their payment networks and SBI Cards in turn pays royalties and fees to these payment networks.
Behind the Scene : What happens when a cardholder uses a credit card?
Before we proceed on looking at other aspects of SBI Cards, let us look briefly at what happens when a cardholder purchases goods or services using the company's credit card.
Once a customer swipes the card on the POS machine at a merchant establishment, the acquirer sends the transaction details through a payment network to the issuer. The acquirer is a bank that gives the POS machine to the merchant.
The issuer approves the transaction and sends the confirmation back to the acquirer through the payment network. In the case of online payments, there are payment gateways/ payment aggregators which send transaction details through the payment network to the issuer.
The issuer pays the transaction amount to the network net of interchange fees. The payment network holds back a certain sum and pays the acquirer, the acquirer pays the merchant net of merchant discount fee.
Brief on the key players in the ecosystem
Interchange fees in India are set by payment networks such as MasterCard and Visa. There are regulations by the RBI on interchange fees on debit cards, any regulations on credit card transactions in the future will impact revenues of credit card companies.
SBI earns its revenues from two sources
Let us break up these sources of revenues in detail below.
Interest income is earned when cardholders roll over their dues, in other words the company earns interest income on its assets (receivables) when card holders do not make payment in full when they are due.
The company classifies its receivables into 3 categories
Revenues from interest income were 51.1%, 53.2% and 56.4% of total revenues in FY19, FY18 and FY17 respectively.
Revenues from interest income are half, this implies that lot of card holders do not make payments on time. There are also few charges which card holders are not aware and this adds to the income of credit card companies.
Credit card IPOs may be good business, but as a customer, you have to be really careful and never let a due date go by without paying your bill in full!
For instance if I have a due of Rs 10,000 that needs to be paid on the due date, which is on the 30th of every month. If for some reason I do not make the payment in full and pay only 8,000 on the due date, leaving an outstanding of 2,000. I will not only be charged interest on 2,000 but also on any transaction from the previous 12th as well! Assume a transaction of 5,000 has been done on the 15th, after the bill date of 12th but before the due date of the 30th, interest will also be levied on this amount. The only way to avoid interest is to settle the outstanding amount 7,000 (5000+2000) in this case.
In the case of cash withdrawals from ATMs, transaction charges are charged for withdrawals. In addition interest is charged not only on the cash but also on any outstanding dues at the time!
And the interest rate is a ludicrous 2.5% a month or more! (Sometimes even as high as 3.5% a month)
The bottom line is to pay your credit cards in full on the due date. And don't withdraw cash from your credit card, ever. (Use a debit card instead)
But this is a huge business for SBI Cards, earning around 50% of their revenues this way. In fact, if you think about it, an outstanding of Rs. 20,000 cr. earns them Rs. 3,000 cr. in interest a year, which is a pretty high interest component.
Income from fees and services is the major component of fee income. These are earned by levying various fees and charges to its cardholders.These can be broken down into three sub categories
Revenues from this category were 44%, 42% and 39% of total revenues in FY19, FY18 and FY17 respectively.
The other sources from where SBI generates revenues in the fee category are
Service Charges – Consists income earned from commission from selling of third party products, brand association fee charged to partners and transaction revenue
Business development incentive income – SBI earns business development incentives from payment networks under long term contracts. The incentives are dependent on increases in credit card spends, cards outstanding and new product launches
Insurance commission income – Income earned by selling insurance products to cardholders
The company also earns other income, these are not from the business operations. These consist primarily of income from investments/FDs, recovery from bad debts written off, liabilities and provisions written back and tax refunds.
Let us look at how the numbers stack up for these sources of revenues over the last 3 years
Observations from the above table
Other income which is not part of the above table was 288 Cr in FY19, this has grown by 52% CAGR in the FY17-19 period
The latest 6 monthly revenues – September 30, 2019 versus that in 2018 are as below
The other income has increased by 147%, 313 Cr as on Sep 30,2019 versus 127 Cr a year ago.
The income from fee & services has three sub categories as discussed above. Revenues from this segment can be broken down as below
More than 50% of the fee and services revenues come from spend based fees. Spend based fees as discussed earlier primarily consists of interchange fees. The interchange fees is dependent on the card spends and outstanding cards.
More than 30% of the fee and services revenues come from instance fees. Instance fees are earned by levying range of charges, some of them are late payment fees, cash withdrawal fees and statement retrieval fees.
Spend based and instance fees have grown by +50% CAGR in the FY17-19 period. Total revenues from fees & services have grown by 53% in the same period.
In the six months ended September 30,2019 revenues have increased by 43%.
On the profitability front, the company's net profit in FY19 was 863 Cr. PAT has grown by 52% CAGR in the FY17-19 period. Profits for 6 month ended September, 2019 were 726 Cr an YOY increase of 93%.
The costs of the company are variable in nature. 55% of the costs in FY19 were operating and other expenses. Looking at the breakup of the operating and other expenses we see that sales promotion expenses constitute bulk of the operating costs. Impairment losses and bad debts form 19% of the costs and as the credit card receivables grow these expenses should also increase. Together these expenses form 75% of total costs in FY19. These costs are variable in nature as they are dependent on the card outstanding and card spends.
Fixed costs – employee benefit expenses, depreciation and finance costs constitute 25% of the total expenses in FY19.
Receivables at the end of September 30,2019 were 23,038 Cr, drivers of the receivables are the cards spends and outstanding cards, however the collection process and time it takes to collect monies from cardholders also determine the receivable balance at a point of time.
We can see from the above table that about 30% of the company's loan book are from term loans or EMIs. This implies that 60% of the loan book is split between revolver loans and transactor loans. Transactor loans do not make any money for the company and interest rates on revolver loans are higher than term loans. The average yield on the company's receivables is in a narrow range of 21-22%, this means that the increase in interest income is on the back of increase in loans/receivables that the company has provided to its card holders. NIMs have been in the 15-16% range.
Gross NPAs are stage 3 advances, these advances have evidence of impairment as on the reported date and expected credit loss is calculated for these accounts.
Gross NPAs have been in the range of 2.34% – 2.81% and Net NPAs in the 0.76%-0.94% band.
Source: SBI Cards DRHP
ROAs have been in the range of 4-4.8%, there has been a spike in September 30,2019. ROEs on the other hand have moved in a band of 28-31%, there is a spike seen on this as well for the September 20,2019 period.
We also want to highlight the below
Source: SBI Cards DRHP
The company pays a royalty fees to SBI for using its logo. The royalty fees is 2% of net profits or 0.2% of total income, which ever is higher.
The second development is recent in nature. The company entered into a Bank Distribution Agreement on November 20,2019. As per the agreement, SBI Cards will pay SBI fees for using its premises (bank branches) for developing its business. SBI will also provide referrals of its customers and provide other facilities like providing a drop box at SBI branches.
The Credit card receivable portfolio falls in the unsecured retail category. Managing credit risk is the holy grail in running a credit card business. We have seen instances in the past where a slow economic growth can severely impact the collections of credit card companies.
Take the case of Barclays cards business in India. The company set up its card business in 2006 when the economy was growing at 9.5%. It was aggressive in expanding its business and in a push to acquire customers credit card limits were much higher than at other banks. The party did not last beyond 2009, when the company ended up with huge NPAs and its credit card business for up for sale.
This brings is to the question of what are the key factors on which a credit card business thrives? and a slowdown in these factors will hamper the credit card business.
Economic growth and specifically parameters like consumer confidence, unemployment rates, consumer spending and demand for credit are important drivers of a credit card business. Slowdown in any of these will hamper the business, like in 2009 loan defaults had risen due to job losses in the IT and BPO sectors, which heavily impacted unsecured lenders.
Distribution and scale are key factors. A weaker distribution channel will increase costs and in a down turn hurts companies.
Regulations also can spoil the party for credit card companies. For instance in 2009, there was an RBI guideline that restricted credit card companies from harassing customers for recovery of dues. In addition recovery agents had to undergo 100 hours of training at IIBF(Indian Institute of Banking and Finance). This slowed down the recovery process.
In the current set up interchange fees for credit cards are not regulated, however this is not in the case of debit cards. Any move to regulate the interchange fees will impact revenues
Interest rates of credit cards are not regulated and do not move with the interest rates in the market. Interest on revolver loans is high 36-44% and term loans 20-22%, any move to regulate the interest rates that these companies charge will have a severe impact.
The company receivables are short term in nature and its source of funding are commercial paper, non convertible debentures and working capital loans from banks. Any mismatch between the receivables and company paying its debt can lead to liquidity risk.
Payment landscape in India is changing. Initiatives like JAM (Jan Dhan, Aadhar and Mobile) have facilitated a move to digital transactions. Demonitization has also lead to people moving towards digital transactions.
There has been an emergence of UPIs and payment wallets, which have helped in moving to a cash less setup. While the selling point of credit card companies in the free credit period (50 days) which these platforms do not offer, we cannot rule out any disruption in this space. We need to keep an eye on the developments in the payment landscape in the country.
UPI volumes in FY19 were 5,353 million as compared to 18 million in FY17. Volumes for H1FY20 stood at 4,966 million. Spends on UPI were Rs 8,770 billion in FY19 as compared to Rs 60 billion in FY17. Spends for H1FY20 was Rs 9,034 billion.
What happened to the Barclays card business?
It was shut down, the performing portfolio was bought by Standard Charted bank and the stressed asset portfolio by Kotak Mahindra bank in 2013.
Players in the payment ecosystem are enjoying tailwinds and there seems to be a long runway for this. In addition to initiatives like JAM and emergence of UPI and payment wallets, growth in e commerce has had a very big role to play in move towards digital transactions. Credit cards account for 30-35% of the payment value on e commerce platforms, this will increase as companies now offer the option of paying by cards on delivery.
Credit card penetration is low in India, companies that have scale and stronger distribution network can expand to smaller cities. Cards issued to NTC (new to credit) customers is growing rapidly. NTC customers are defined as those who have got their bureau record for the first time. NTC customer base has increased by 20% CAGR over the last three years to reach 3 million at the end of FY18.
Payment infrastructure has drastically improved, the payment infrastructure facilitates seamless payments. POS terminals have grown by 27% CAGR from 1.1 million in FY14 to 3.7 million in FY19. It is expected that there would be 5 million POS terminals by 2021. Emergence of payment aggregators/facilitators have also helped.
SBI Cards having a strong parent backing, been in the business for two decades and having a strong distribution channel and scale will certainly benefit from the developments taking place in the payment ecosystem.
The question that we as investors need to ask is – Will we make money by investing in the company? and what are we paying?
We do not know the price/valuation at what the shares are going to be issued. However as we had mentioned at the start of the post, the company will sell 14% and this is expected to fetch anywhere between Rs 8,000 – 9,500 Cr. This pegs the value of the company in the range of Rs 58,000 – 68,000 Cr. Profits for FY19 were 863 Cr, the PE at these valuations is in the range of 67-78X.
The profits for 6 months ended 30 September, 2019 were 726 Cr. If the company were to put up a similar performance in the rest of the year, the PE at these valuations would be 40-47X. A word of caution though – extrapolation like this may be injurious to your wealth.
The average ROE for the last three years has been 30%. Profits have grown by 52% in the same period. Higher ROEs with this kind of profit growth is a deadly combination. If you think about it, in two years, if the company generates 30% ROE and reinvests it, the total PAT will become more than Rs. 2,200 cr. – which is nearly three times the FY19 numbers. For a company doing 3x earnings in three years, and with the market growing fast, and with the ability to reinvest at the same ROE, you might find it difficult to get a lower P/E.
Of course, the risks remain: that they will be replaced by a UPI/new tech led payment landscape, and that they could have heavy NPAs if there is a huge retail drop in sentiment.
With the recent frenzy seen in IPO subscriptions it may not be a bad idea to apply for 1 lot in the IPO and decide after listing if positions have to be built up.
*Outstanding cards is the sum of all credit cards issued, including temporarily suspended credit cards that may be reactivated in future, net of cancelled and deactivated credit cards.
NOTE: There is no other relationship between Capitalmind and the above company. Please do not consider this article as a recommendation, It is purely for informative purpose only.


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Hotel Details
Santa Elena HotelBulevar y Urbanización Santa Elena, Calle Cerro Verde Poniente #10, San Salvador , EL SALVADOR
Services and facilities at the hotel include wireless internet access, a restaurant, a bar and a laundry. A garden is among the features contributing to a pleasant stay.
All rooms feature air conditioning and a bathroom. Features include a telephone and a TV. In each of the bathrooms, guests will find a shower, a bathtub and a hairdryer.
The hotel offers an indoor pool. Copyright GIATA 2004 - 2016. Multilingual, powered by www.giata.com for client no. 125362
- Bar(s)
- Restaurant(s)
- WLAN access
- Laundry Service
- Bathroom
- Shower
- Bathtub
- Hairdryer
- Air conditioning (centrally regulated)
- Indoor Pool
- Sun terrace


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(Photo Credit: CBS)
Fiat Chrysler is recalling more than 27,500 Dodge Darts worldwide.
The recall affects 2013-2015 Darts with dual dry-clutch transmissions.
More than 23,000 of the affected cars were sold in the United States.
The company says the cars' transmission can unexpectedly shift into neutral.
So far, no injuries have been reported.
You can read more about the recall here: safecar.gov


text: "When Rajini sir starts acting, you just stand in mute admiration. But when it's your turn to speak, you are just galvanised into action because of the inspiration his presence gives. You are automatically pushed to give your best. He too makes sure everyone is comfortable around him," said Dhanshikha


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