text:
Sand whiting
|Sand whiting
|Sand whiting taken near Byron Bay, New South Wales
|Scientific classification
S. ciliata
|Binomial name
|Sillago ciliata
Cuvier, 1829
|Range of the Sand whiting
The sand whiting (Sillago ciliata), also known as the summer whiting, yellowfin whiting or blue-nose whiting, is a common species of coastal marine fish of the family Sillaginidae, the smelt-whitings. It is a slender, slightly compressed fish that is very similar to other species of Sillago, with detailed spine, ray and lateral line scale counts needed to distinguish the species between its nearest relative Sillago analis. The sand whiting is distributed along the east coast of Australia from Cape York south to Tasmania, as well as Lord Howe Island and New Caledonia in the Pacific Ocean.
The sand whiting commonly inhabits shallow sandy substrates in bays, estuaries and surf zones where it preys on polychaete worms, small crustaceans and bivalve molluscs. Reproduction in the species is variable over its range, generally spawning twice between September and April. Young fish inhabit shallow sand flats, both along the coast and well into the upper reaches of estuaries.
First described in 1829, the species has long been prized as a table fish and is commonly sought by both recreational and commercial fishermen in New South Wales and Queensland. The sand whiting fishery is most prolific in southern Queensland and northern New South Wales where the species is most abundant, often caught along other species of whiting in estuaries and from beaches. Due to its importance as a commercial fish, substantial research has been carried out on the species, especially feasibility studies involving the use of sand whiting in aquaculture.
Taxonomy and naming[edit]
The sand whiting belongs to the genus Sillago, a division of the smelt whiting family Sillaginidae containing 29 individual species. The Sillaginidae are in the suborder Percoidei, a division of the Perciformes.[1]
The species was first identified and named by the French naturalist Georges Cuvier in 1829 after receiving a specimen that was listed as having been collected in the "Southern seas". This holotype specimen was apparently taken near the coastline of Tasmania, Australia.[2] Four junior synonyms were subsequently placed on the species, with Castelnau applying both S. insularis and S. terra-reginae, Thiollière applying S. diadoi and Whitley S. ciliata diadoi to the species. All of these names are invalid under the ICZN nomenclature rules, which states that the first correct naming is the one to be used. Many of these synonyms were applied due to confusion over S. ciliata and the nearly identical, closely related species S. analis. The species was also misidentified as S. gracilis, a synonym of S. maculata, the trumpeter whiting; and also S. bassensis, the southern school whiting.[2]
S. ciliata is most commonly called the 'sand whiting' in reference to its preference for sandy substrates compared to some members of the genus which prefer muddy, silty, or grassy substrates.[3] Other common names include the 'blue-nose whiting' in reference to the colour of the nose in fish of larger sizes, and 'summer whiting', a name often applied to S. analis as well. This name is applied to these species as they move from deeper offshore waters into shallow beach and estuarine waters in summer, where they become a target for recreational fishers.
The sand whiting has a very similar profile to other members of the genus Sillago, with a slightly compressed, elongate body tapering toward the terminal mouth. The dorsal fin is in two parts, the first made of feeble spines and the second of soft rays headed by a single feeble spine, while the ventral profile is straight.[4] The species is known to grow to a maximum size of 51 cm and around 1.25 kg weight.[3]
The fin anatomy is highly useful for identification purposes, with the species having 11 spines in the first dorsal fin, with one spine and 16 or 18 soft rays on the second dorsal fin. The anal fin has two spines with 15 to 17 soft rays posterior to the spines. Lateral line scales and cheek scales are also distinctive, with sand whiting possessing 60 to 69 lateral line scales and cheek scales positioned in 3-4 rows, all of which are ctenoid. The amount of vertebrae are also diagnostic, having 32 to 34 in total. The swim bladder has rudimentary tubules projecting anteriorly and a series laterally that diminish in size and become sawtooth-like posteriorly. The posterior extension is a single, tapering projection that extends well into the caudal region. A duct like process extends from the ventral surface to the urogenital opening. Swim bladder morphology is useless when determining between S. ciliata and S. analis, as they are nearly identical.[2]
The body is a pale brown or silvery brown colour, transitioning to white below, with green, mauve and rosy reflections when the fish is first removed from the water. An indistinct silver-yellow mid-lateral band extends across some specimens. The spinous dorsal fin is olive green with faint darker blotches, the second dorsal fin also a pale olive with rows of dark brown to blackish spots. The anal and ventral fins are pale yellow, the pectorals are pale yellow to pale brown with a well defined dark blue-black blotch at the base. The caudal fin is yellow to olive in colour with darker margins. Juveniles less than 90 mm may have darker blotches along their sides and backs.[2]
Sand whiting are a popular eating fish although can be dangerous to fishermen and children, when removing a hook from a whiting, if not handled properly may lead to the loss of finger due to their head rotation.
Distribution and habitat[edit]
The sand whiting inhabits a range along the east coast of Australia from Cape York, Queensland, southward along the coast and the Great Barrier Reef to eastern Victoria and the east coast of Tasmania down to Southport. The species also inhabits a number of islands; Lord Howe Island, New Caledonia, and Woodlark Island, Papua New Guinea. The species is most abundant in lower Queensland and New South Wales, where studies show it inhabits every estuary sampled throughout the course of a study,[5] while in north Queensland, the species is very patchily distributed along the coast.[6]
The sand whiting is an inshore species, inhabiting exposed coastal areas such as beaches, sandbars and surf zones as well as quieter bays, estuaries and coastal lakes. Sand whiting enter estuaries, including intermittently open ones, and penetrate far upstream to the tidal limits of rivers and creeks where juveniles and adolescent fish may be abundant.[7] The adults congregate around the mouths of estuaries, bars, and spits, in depths down to 5 m[8] where they may constitute a large percentage of the icthyofauna of such regions.[9] As implied by their name, they are often found exclusively over sandy substrates, with occasional appearances in Zostera seagrass beds.[5] Individuals are occasionally taken in offshore waters to 40 m during winter.
The sand whiting is a schooling species,[10] whose movements are associated with a variety of factors including prey, lunar patterns and spawning movements; although there appears to be little consistency in its movements in relation to these factors. Studies on the species over the period of a year have shown the species does not change its local distribution over the course of a day, generally being of the same abundance during both night and day.[9] Seasonal abundance due to spawning is variable, with studies conducted in Moreton Bay, Queensland finding the species recruits heavily to shallow waters and increase numbers during winter months, while studies in the Noosa River estuary have shown no difference in numbers recruited over the course of a season.[11] Like other sillaginids, they have the ability to 'burrow' into the sand and remained hidden until a predator or seine net has passed by.[3]
The sand whiting's distinctive body shape and mouth placement is an adaptation to bottom feeding, which is the predominant method of feeding for all whiting species. All larger whiting feed by using their protrusile jaws and tube-like mouths to suck up various types of prey from in, on or above the ocean substrate,[12] as well as using their nose as a 'plough' to dig through the substrate.[3] There is a large body of evidence that shows whiting do not rely on visual cues when feeding, instead using a system based on the vibrations emitted by their prey.[13]
S. ciliata is a benthic carnivore that feeds predominantly on polychaetes and various crustaceans.[14] Like other species of Sillago, the diet of the species is related to the size and age of the individual,[12] with three distinct size classes identified in a study conducted in Botany Bay, NSW. The smallest fish of 0–10 cm take large amount of amphipods and few polychaetes, while fish between 11 and 20 cm consume mostly neried polychaetes and few amphipods. The largest fish over 21 cm take large amounts of bivalve molluscs and shrimps of the genus Callianassa.[15]
As with many species of fish, the timing of spawning varies over the range of the species, with gonad development indicating that spawning in the southern New South Wales region occurs from December to April,[15] while spawning in southern Queensland occurs from September to February.[16] Spawning takes place twice a year, evident by the two classes of egg size found in the ovaries and by the two recruitment pulses observed each year as young fish enter their juvenile habitats.[17] The spawning takes place at the mouths of estuaries or in surf zones, with the larvae occurring in fully marine waters.[18] Juveniles reach 16.5 cm in length after their first year of life, 26.7 cm after their second year and 30.5 cm after their third year.[19] After the beginning of the spawning season young whiting of 10 mm and over can be observed swimming actively in small droves of from 10 to 20 on the sand flats and beaches to which they are recruited, moving up and down with the tide, swimming in very shallow water to depths of 1 m.[11] Unlike closely related sillaginids, the juveniles usually prefer unprotected sand substrates, while other species tend to use seagrass and mangroves as protection.[20] As they grow older they keep further from the shore.
Relationship to humans[edit]
The sand whiting is a highly prized table fish often rated equal to the King George whiting,[10] making it a common target for both commercial and recreational fisheries. The flesh is white, tender and has a moist, low oil content composition, making it easily digestible.[19] Investigations into the aquaculture of the species began in the 1980s, and has led to the development of farmed sand whiting.
Commercial fishery[edit]
Although the sand whiting ranges down to Victoria and Tasmania, the species is not common enough to make up a significant part of their fisheries, with other sillaginids such as school whiting and stout whiting making up the bulk of the catch. In New South Wales and Queensland, however, it is one of the most common species taken, especially in lower Queensland. The species is often not differentiated from golden-lined whiting or trumpeter whiting, meaning fisheries statistics do not reflect the total catch for the species. In 2000, 238 tonnes of whiting were taken in Queensland, a decrease from the past 4 years.[21] The species is primarily taken in estuaries in New South Wales, and is also included under the general heading of 'school whiting' when taken from beaches.[22] Research showed that the average commercial harvest from individual estuaries was around 1-2 tonnes per year, with an increase in most rivers during the 1970s and 80's.[23]
The species is commonly taken by a number of fishing methods, with the most common being seine nets. Ring, fence, fyke netting and beam trawling are also used occasionally, but more often associated with sampling the entire population for research purposes.[24] Research has focused on the effectiveness of different mesh sizes used to net the species in order to prevent juvenile individuals dying after becoming enmeshed.[25] Associated research has also shown that those whiting that survive and are discarded tend to have much lower survival rates due to scale loss, which is a major issue, as many young fish are regularly taken in such nets and released by the fisherman after sustaining scale loss.[26] These studies have led to a number of proposals and subsequent changes to net regulations.[27]
At market, sand whiting is medium priced fish, sold fresh or frozen; whole and in fillet form. In abundance, sand whiting is moderately priced, with fillets being slightly more expensive. The recovery rate of fillets from whole fish is about 40%.[28] Sand whiting may be used as sashimi.
Recreational fishery[edit]
Sand whiting are commonly sought after by anglers due to their reputation as a food fish, and due to their relative accessibility, with large catches possible from many shore-based locations. The catches of recreational fishermen may exceed the catches of professionals, with studies showing Queensland had over twice the amount of fish taken by anglers in 2000.[21]
The species is commonly caught throughout its habitat, with sand flats, tidal gutters in estuaries and surf beaches commonly having producing good catches. Excessively shallow water, especially in proximity to Zostera beds may produce numerous undersized fish, and may be avoided if the young fish are too prevalent. Due to their preferred habitat, light lines with minimal weight added are employed to avoid spooking the fish, with a small running bean or ball sinker commonly rigged above a size 4 or 6 hook.[29] Specialist whiting fishermen often use a red piece of tubing or beads to attract the whiting; whether this works has yet to be proved, but anecdotal evidence shows the fishermen's catches don't suffer. Baits used resemble the species natural prey, with prawns, nippers, a variety of bivalves and beach worms most often used, with more successful catches obtained using live bait.[30]
In New South Wales, sand whiting have a minimum legal length of 27 cm to be taken and a daily personal bag limit of 20 applies,[31] while in Queensland there is a minimum size of 23 cm and a combined bag limit of 30 for all whiting species.[32]
Sand whiting are used themselves as live bait for larger species such as mulloway, mangrove jack and large flathead, although anglers must still adhere to the minimum size limit.[33]
The aquaculture potential for sand whiting was first investigated in the late 1980s, with a number of reports detailing both successful trials and also a number of problems with such trials. A 1988 study showed that sand whiting were more likely to grow in captivity than other whiting species, but the mortality rate of over 50% was unacceptable for use in an economic setting. A number of problems with diseases such as ulcerative dermatitis[34] and the failure of the swim-bladder to inflate properly were also documented,[35] however many of these initial problems have been overcome, and some facilities are breeding around 2000 larvae with a 95% survival rate.[36] Some of these fingerlings are used to restock depleted estuaries, while others form the basis of commercial fish crops.[37]
- ^ Froese, Rainer and Pauly, Daniel, eds. (2007). "Sillago ciliata" in FishBase. Aug 2007 version.
- ^ a b c d McKay, R.J. (1985), "A revision of the fishes of the family Sillaginidae", Memoirs of the Queensland Museum, 23: 1–73
- ^ a b c d McKay, R.J. (1992), FAO Species Catalogue: Vol. 14. Sillaginid Fishes Of The World, Rome: Food and Agricultural Organisation of the United Nations, pp. 19–20, ISBN 978-92-5-103123-0
- ^ Kuiter, R.H. (1993), Coastal fishes of south-eastern Australia, U.S.A: University of Hawaii Press, ISBN 978-1-86333-067-1
- ^ a b Gray, C.A.; McElligott, D.J.; Chick, R.C. (1996), "Intra- and Inter-estuary Differences in Assemblages of Fishes Associated with Shallow Seagrass and Bare Sand", Marine and Freshwater Research, 47 (5): 723–735, doi:10.1071/MF9960723
- ^ Sheaves, M. (2006), "Scale-dependent variation in composition of fish fauna among sandy tropical estuarine embayments", Marine Ecology Progress Series, 310: 173–184, Bibcode:2006MEPS..310..173S, doi:10.3354/meps310173
- ^ Griffiths, R.J.; West, R. J. (1999), "Preliminary assessment of shallow water fish in three small intermittently open estuaries in southeastern Australia", Fisheries Management and Ecology, 6 (4): 311–321, doi:10.1111/j.1365-2400.1999.tb00082.x
- ^ Weng, H.T. (1986), "Spatial and temporal distribution of whiting Sillaginidae in Moreton Bay, Queensland Australia", Journal of Fish Biology, 29 (6): 755–764, doi:10.1111/j.1095-8649.1986.tb04991.x
- ^ a b Miller, S.J.; Skilleter, G.A (2006), "Temporal variation in habitat use by nekton in a subtropical estuarine system", Journal of Experimental Marine Biology and Ecology, 337: 82–95, doi:10.1016/j.jembe.2006.06.010, 0022-0981
- ^ a b Hutchins, Barry; Swainston, Roger (1986), Sea Fishes of Southern Australia. Complete Field Guide for Anglers and Divers, Melbourne: Swainston Publishing, p. 187, ISBN 978-1-875169-78-8
- ^ a b Weng, H.T. (1983), "Identification, habitats and seasonal occurrence of juvenile whiting (Sillaginidae) in Moreton Bay, Queensland", Journal of Fish Biology, 23 (2): 195–200, doi:10.1111/j.1095-8649.1983.tb02894.x
- ^ a b Hyndes, G.A.; Platell, M.E.; Potter, I.C. (1997), "Relationships between diet and body size, mouth morphology, habitat and movements of six Sillaginid species in coastal waters: implications for resource partitioning", Marine Biology, 128 (4): 585–598, doi:10.1007/s002270050125
- ^ Hadwen, W.L.; Russell, G.L.; Arthington, A.H. (1985), "The food, feeding habits and feeding structures of the whiting species Sillago sihama (ForsskaÊ l) and Sillago analis Whitley from Townsville, North Queensland, Australia.", Journal of Fish Biology, 26 (4): 411–427, doi:10.1111/j.1095-8649.1985.tb04281.x
- ^ Gunn, J.S.; Milward, N.E.; Arthington, Angela H. (2007), "Gut content- and stable isotope-derived diets of four commercially and recreationally important fish species in two intermittently open estuaries", Marine and Freshwater Research, 58 (4): 363–375, doi:10.1071/MF06157
- ^ a b Burchmore, J.J.; Pollard, D.A.; Middleton, M.J.; Bell, J.D.; Pease, BC (1988), "Biology of Four Species of Whiting (Pisces : Sillaginidae) in Botany Bay, New South Wales", Aust. J. Mar. Freshwater Res, 39 (6): 709–727, doi:10.1071/MF9880709
- ^ Morton, R.M. (1985), "The reproductive biology of summer whiting, Sillago ciliata C. and V., in northern Moreton Bay, Queensland", Australian Zoology, 21: 491–502
- ^ Smith, K.A.; Sinerchia, M. (2004), "Timing of recruitment events, residence periods and post-settlement growth of juvenile fish in a seagrass nursery area, south-eastern Australia", Environmental Biology of Fishes, 71: 73–84, doi:10.1023/B:EBFI.0000043154.96933.de
- ^ Kailola, P.J.; Williams, M.J.; Stewart, R.E.; et al. (1993), "Australian fisheries resources", Bureau of Resource Sciences, Canberra, A.C.T.: Bureau of Resource Sciences, Dept. of Primary Industries and Energy, ISBN 978-0-642-18876-2
- ^ a b Roughley, T.C.; Ginsborg, BL (1951), "The Fish and Fisheries of Australia", Nature, 170 (4314): 36–7, Bibcode:1952Natur.170..593S, doi:10.1038/170593a0, PMID 14957011
- ^ West, R.J.; King, R.J. (1996), "Marine, Brackish, and Freshwater Fish Communities in the Vegetated and Bare Shallows of an Australian Coastal River", Estuaries, 19 (1): 31–41, doi:10.2307/1352649, JSTOR 1352649
- ^ a b Williams, L.E. (2002), Queensland's Fisheries Resources: Current conditions and recent trends 1988-2000, Brisbane: Department of Primary Industries Queensland, pp. 174–178
- ^ Wilkinson, J. (2004), NSW Fishing Industry: Changes and Challenges in the Twenty-First Century, Sydney: NSW Parliamentary Library Research Service, pp. 174–178, ISBN 978-0-7313-1768-4
- ^ West, R.J.; Gordon, G.N.G. (1994), "Commercial and Recreational Harvest of Fish from two Australian Coastal Rivers", Aust. J. Mar. Freshwater Res, 45 (7): 1259–79, CiteSeerX 10.1.1.694.4939, doi:10.1071/MF9941259
- ^ Butcher, A.; Mayer, D.; Smallwood, D.; Johnston, M. (1997), "A comparison of the relative efficiency of ring, fyke, fence nets and beam trawling for estimating key estuarine fishery populations", Fisheries Research, 32 (3): 51–60, doi:10.1016/j.fishres.2005.01.014
- ^ Kennelly, S.J.; Gray, S.A. (2000), "Reducing the mortality of discarded undersize sand whiting Sillago ciliata in an estuarine seine fishery", Marine and Freshwater Research, 51 (8): 749–53, doi:10.1071/MF00014
- ^ Gray, C.A.; Kennelly, S.J.; Hodgson, K.E.; Ashby, C.J.T. (2001), "Retained and discarded catches from commercial beach-seining in Botany Bay, Australia", Fisheries Research, 50 (3): 205–219, doi:10.1016/S0165-7836(00)00228-9
- ^ Broadhurst, M.K.; Kennelly, S.J.; Barker, D.T. (1997), "Simulated escape of juvenile sand whiting ( Sillago ciliata, Cuvier) through square-meshes: Effects on scale-loss and survival", Fisheries Research, 32: 51–60, doi:10.1016/S0165-7836(97)00037-4
- ^ Sydney Fish Market, Sand Whiting (PDF), archived from the original (PDF) on October 8, 2006, retrieved 2007-08-17
- ^ Starling, S. (1988), The Australian Fishing Book, Hong Kong: Bacragas Pty. Ltd., p. 490, ISBN 978-0-7301-0141-3
- ^ Horrobin, P. (1997), Guide to Favourite Australian Fish, Singapore: Universal Magazines, pp. 102–103, ISSN 1037-2059
- ^ New South Wales Department of Primary Industries, Bag and Size Limits - Saltwater (PDF), retrieved 2007-08-17
- ^ Queensland Government Department of Primary Industries and Fisheries, Recreational fishing size and bag limits for tidal waters in Queensland - July 2010 (PDF), archived from the original (PDF) on 2010-09-23, retrieved 2010-09-16
- ^ Downie, David, Live-baiting Brisbane Estuaries, retrieved 2007-08-17
- ^ Gill, P.A.; Callinan, R.B. (1997), "Ulcerative dermatitis associated with Uronema sp infection of farmed sand whiting Sillago ciliata", Australian Veterinary Journal, 75 (5): 357, doi:10.1111/j.1751-0813.1997.tb15714.x, PMID 9196825
- ^ Battaglene, S.C.; McBride, S.; Talbot, R.C. (1994), "Swim bladder inflation in larvae of cultured sand whiting, Sillago ciliata Cuvier (Sillaginidae)", Aquaculture, 128 (1–2): 177–192, doi:10.1016/0044-8486(94)90112-0
- ^ Burke, Michael, Marine fingerling production at the Bribie Island Aquaculture Research Centre intensive green-water culture: An historical perspective (PDF), archived from the original (PDF) on 2007-09-28
- ^ AquaBlue Seafoods, Marine Fish Hatchery: General Information, retrieved 2007-08-17
External links[edit]
|Wikimedia Commons has media related to Sillago ciliata.
- Sand whiting at Fishbase
- Australian Museum Fish Site
- Fishing Australia fact sheet
- Queensland Fisheries


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Taranis is the RAF/BAE fast-jet UAV prototype. The military is looking more SF every day.
Taranis is the RAF/BAE fast-jet UAV prototype. The military is looking more SF every day.
Twoi years old, but as a weapons platform for close infantry support you can really see the uses (and dangers)
Also from http://www.mcclatchydc.com/251/story/64779.html
"Autonomous armed robotic systems probably will be operating by 2020, according to John Pike, an expert on defense and intelligence matters and the director of the security Web site GlobalSecurity.org in Washington."
This prospect alarms experts, who fear that machines will be unable to distinguish between legitimate targets and civilians in a war zone.
"We are sleepwalking into a brave new world where robots decide who, where and when to kill," said Noel Sharkey, an expert on robotics and artificial intelligence at the University of Sheffield, England.
Human operators thousands of miles away in Nevada, using satellite communications, control the current generation of missile-firing robotic aircraft, known as Predators and Reapers. Armed ground robots, such as the Army's Modular Advanced Armed Robotic System, also require a human decision-maker before they shoot.
As of now, about 5,000 lethal and nonlethal robots are deployed in Iraq and Afghanistan. Besides targeting Taliban and al Qaida leaders, they perform surveillance, disarm roadside bombs, ferry supplies and carry out other military tasks. So far, none of these machines is autonomous; all are under human control."
And this is where the infantry are going - FIST - Future Infantry Soldier Technology, with a whole mix of networked technologies so soliders can have a HUD showing where their team-mates are (and their health/ammo state) and where the enemy is, and the view through their gun site - useful for shooting round corners. The radio data system even sounds like the sort of self-routing AX.25 system I used to demo at the School of Signals in the 80s.
And here's the link to the similar US Future Force Warrior programme on Wikipedia, and a good vendor site on the project. And integrating AI into the system.
The future of combat aircraft?
"BAE Systems said Monday Sept. 24 2007 that work has started on the physical build of the Taranis airframe - a 124 million pound ($US 251 million dollars / Euros 177 million) ) unmanned combat aerial vehicle demonstrator aimed at helping Britain's MOD (Ministry of Defence) determine the future balance of assets within the Armed Forces. Taranis will help inform the MOD's approach to the future capabilities needed for deep target attack and intelligence, surveillance, target acquisition and reconnaissance (ISTAR). Ground testing of Taranis is scheduled to begin in early 2009, with the first flight trials due to take place in 2010". - Daylife
Apparently the Taranis is already being blamed for UFO sightings in the UK
Defense Review - DefRev Exclusive: FN P90 PDW Promotional/Sales Video.
A replacement for the old SMG I assume. What is interesting about this and other weapons on the site is how they increasingly resemble weapons from Traveller, other SF RPGs and SF movies. The FN P90 even goes "byeond bullpup" (ie magasine behind trigger) by placing the magasine along the top of the weapon.
Launching a new kind of warfare | Technology | Guardian Unlimited Technology
Cracking article by the Guardian on the rise on unmanned combat vehicles. They reckon that by 2015 1/3 of the US fighting strength will be composed of robotic UCVs.
Nick and I made it to Jena. Our hotel was in Apolda, but we spent Friday night in Jena having an excellent meal while Napoleonic soldiers marched round the town square.
We spent the Saturday morning looking round Hassenhausen, with the bivouacs of several Prussian and French re-enactors still in place. The museum there was small but good. En route from Apolda we'd taken in a castle and an amazing water filtration system at Bad Hosen. It was about 400m long, 20m high, made of wood and stuffed full of fir branches.
Trying to park at the battle site was impossible, every route in was blocked by police. In the end we abandoned the car up a side road, and just like the French on the morning of the battle legged it up the steep road to Closewitz.
I don't know what I expected but the scale of the whole thing was big. The battlefield was a natural bowl about 1km on each side. It sat exactly where the first part of the battle was fought between Closewtz and Lutzeroda. There were around 2000 re-enactors and some 50,000 spectators. We eventually found a near front-row spot close to the main stand and got some great photos of the troops. At one stage the artilllery was just in front of us - an amazing sight.
One of the reasons for being here was to get a feel for the wargaming issues,particularly visibility. What was immediately obvious was that altoughyou could see to the far side of the battle anything beyond 500m was just a blob, or a blob on a horse. Second was smoke. Even with 2000 men there was a lot of it. Cannon smoke tended to be concentrated and dispersed by the time of the next round (about 45 seconds, wind light to moderate). It was when the muskets started firing en-masse that the smoke became a significant cause of obstruction.
The other thing was the troop density. This re-enactment had about 2000 men in 1 sq km. Just under 3 battalions. At Waterloo there were 140,000 men in 6 sq km, that's about 20,000 per sq km, ten times as dense. It would have meant (a) not much room for manouvre and (b) a lot of smoke.
Midnight: Lannes 5th Corps and the Guard on the Landgrafenberg. Augereau's VIIth Corps coming up the Saale valley to Jena, Soult's IV Corps just clearing jena and Ney's VIth Corps just entering it.
Napoleon's plan was for Lannes to attack at 0600, and then expand the bridgehead on the plateau as the other forces arrived.
0600 - 1st Battle - By the Dornberg
Lannes 22,000 soldiers attacked Tauentzien's 8000 Prussians and Saxons in dense fog by Luetzeroda and Closewitz. By 0900 the Prussians are in retreat and the French take the high hill of the Dornburg.
0600 - Auerstedt
Davout's lead elements cross the Saale at Kosen and climb to the plateau, running straight into Prussian troops at Hassenhausen.
0900 - Auerstedt
The Prussian are deploying poorly and failing to exploit their numerical advantage. To make matters worse Braunschweig, their CinC, is killed.
0930 - 2nd Battle - Rodigen and Lehesten
Soult's IV Corps crests the ridge up the Rau valley N of Jena meet 5000 Prussians under Holtzendorf. After a fierce fight the French push through towards Vierzehnheiligen.
1030 - Auerstedt
Losses are heavy on both sides but the remains of Davout's III Corps is now on the plateau, and village to village fighting begins, going easier on the right thna the left.
1130 - 3rd Battle - Vierzehnheiligen
Hohenlohe has been waiting here with 20,000 Prussians since 9am when Soult and Ney start to attack. French cavalry persues the fleeing Prussians.
1300 - 4th Battle - By the Schnecke
An outpost of Saxons south of the Isserstedt-Jena road is attacked by Augereau's VII Corps and captured almost en-masse.
1400 - 5th Battle - By the Sperlingsberg
A counter-attack by 15,000 Prussians under Ruchel fails and they are stranded under intense French fire, their retreat leads to an uncontrolled flight.
1500 - Auerstedt
A general Prussian retreat is ordered
The following days see the Prussian army almost dissolve as it flees North. Davout is in Berlin by 25th October. By early November the Grand Armee occipied Prussian from the Danish to the Russian border.
The Prussians are fleeing North and West. Hohenlohe has taken up a position on the plateau west of Jena, almost half-way to Weimar to cover the retreat of the main body from the plateau to Leipzig, via way of Auerstedt. Napoleon is wasting no time in moving on the Prussians with Bernadotte's joining Davout at Naumberg, and Ney to Roda. But no sooner had the day started than Napoleon's intelligence informed him of the flight north by the Prussians so Davout and Bernadotte have been ordered to Dornburg, with the other troops concentrating around Jena.
3 pm: Lannes in Jena was reporting Prussians north of Jena, and soon after the sound of musket fire could be heard on the ridge. Napoleon hurried the concentration, told Davout to be prepared to swing round onto the right flank and Bernadotte to be prepared to come to Lannes aid should fighting start early.
4 pm: Napoleon has reached the Landgrfenberg, joining Lannes. When Lannes had reached the plateau earlier that day he had driven the leading Prussian elements back to the villages of Lutzeroda and Closwitz. Napoleon is convinced that he is facing the main Prussian Army and has ordered the remains of Vth Corps and the Guard to join him after dusk. All other forces except Davout and Bernadotte are ordered to converge on the position during the night of 13th and early 14th, with battle to be joined some time on the 14th.
Overnight Napoleon is working to pull the artillery up onto the plateau so as to be able to secure the Windkollen - the highest point there.


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With the global need of engineering goods on the rise, particularly of over dimension cargoes, for which containerization is not possible, there arises the need for special equipments. Transocean lines take the pride in establishing itself as a key player in this niche market.
Transocean lines, meaning "Extending Across the Ocean", precisely aims at creating a different world of opportunities in the shipping trade by specializing in Over Dimensioned Cargo (ODC), may it be in container or in break bulk with a fleet of self owned Super Racks, Flat Racks, Open Top, Mafi Trailer & GP containers. Transocean lines starts to change the scenario of the ODC shipping globally. Being a Multimodal Transport Operator, Transocean lines can offer a complete door-to-door package to our valued customers.


text: Super power warm white (3000K) SMD LED part# LXH8-PW30 by Philips Lumileds produces 150 lumen output! Operates on 2.8VDC at 700mA. This is their LUXEONA series and it has a viewing angle of 120 degrees. Size is 3.05mm x 4.49mm x 1.98mm high. These retail for $3.40 each. Check out our blowout pricing on these prime super powerful LEDs. Package of 10.


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Toyota Finance
- Completion:
April 2014
- Value:
- Client:
Goodman & Toyota Finance
Since its inception in 1989, Toyota Financial Services has grown to become the largest motor vehicle manufacturer-owned finance company in New Zealand. The business offers a range of vehicle finance, leasing and insurance products, delivered to customers via 50 Toyota centres nationwide – and through offices in Auckland, Wellington and Christchurch.
RDT Pacific provided Project Management services for the refurbishment fit out of two 1,532m2 office floors and joining the two levels via an atrium staircase. Refurbishment was also undertaken on the building's common lobby areas, amenities and lifts.
Our team managed all aspects of the design process, breaking the construction into two packages to allow the tenant to remain on one floor while construction progressed on the other, then managing the tenant's migration to the newly completed areas.
RDT Pacific's scope of services for project management for Toyota Finance office fit out included developing a project programme and critical path. We updated existing preliminary cost estimates with the project quantity surveyor, and managed the design team during the preparation of plans and contract documents – monitoring the fit out design for compliance with the brief. Approvals were obtained for progression to each project stage, in addition to all necessary building and resource consents.
Key project challenges included ensuring that the base build and tenant design requirements were met, construction works were managed around the tenant's occupation requirements, and a quality fit out was delivered on time. Our team helped to procure and negotiate with contractors, supervising the contractors during construction and providing regular, clear communication regarding intended activities on site.


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Something like this normally works on Linux:
find . -type D -name .svn | rm -r
Not on Mac. You have to remember to add xargs
find . -type D -name .svn | xargs rm -r
Without the xargs, it is like calling rm without a target.
sheltonn December 5th, 2011


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Don Hillman
Don Hillman: address, phone, fax, email, site
Address: P.O. Box 300, Mont Albert, VIC 3127
Phone: 613 9596 8816
Fax: (09) 586-7668
E-mail: firstname.lastname@example.com
Buy Now
Site: http://www.donhillman.com
N\A Don Hillman: Nutting, Rawdyn
Work hour and Schedule:
Find error or want add more details informations for "Don Hillman"? - Contact us!
Registration data Don Hillman
Australian Company Number: 561975097
Type: n\a
Australian Business Number: 20387573265
Register: 2008-01-21
Job in Don Hillman vacancies. Career and practice on Don Hillman. Working and traineeship
Plumber. From AUD 2100
Controller. From AUD 2900
Responds for Don Hillman on FaceBookRead all comments for Don Hillman. Leave a respond Don Hillman in social networks. Don Hillman on Facebook and Google+
Address Don Hillman on google map
Other related companies as Don Hillman: Bam Music Duo | Iannotti Louie | Newspower | CJ's On The Park | Dr Christopher Hume-Phillips
Don Hillman is Australian proprietary company. This firm was registered on 2008-01-21 and was issued with the 561975097 ACN. Its Australian Business Number is 20387573265. Since 2008-01-21, the company is headquartered in Australia. The previous headquarters were located in P.O. Box 300, Mont Albert, VIC 3127. Don Hillman was registered for the GST on 2008-01-21. In total the company used 1 trading name. Category of Don Hillman is a . Owner Don Hillman is Nutting, Rawdyn. We found 0 trademarks that mention this company.


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This event has expired.
Diamond Mining 101
Meeting Place: Diamond Discovery Center, Lower Level
Ages 13 and Up: $10.00
Children Ages 6-12: $6.00
Children Under 6: Free
Meet a park interpreter in the Diamond Discovery Center to learn the tricks of the trade at this demonstration of diamond searching methods!
Crater of Diamonds State Park
209 State Park Rd
Murfreesboro, AR 71958
Call The Park


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Device Availability:
If you're an Oklahoma resident and would like more information about trying this product, please contact a staff member at:
ABLE Tech Device Demo/Loan Prog - Stillwater
Oklahoma State University, Seretean Wellness Center
1514 W. Hall of Fame
Stillwater, OK 74078
Phone: 405.744.9748 or toll-free 888.885.5588 (V/TYY)
Fax: 405.744.2487
Email: email@example.com
Website: okabletech.okstate.edu
Loan Request Form: View as PDF
TouchChat App
TouchChat Express is a full-featured communication solution for individuals who have difficulty using their natural voice. It includes both English and Spanish vocabularies, including the popular WordPower series of AAC vocabularies designed by Nancy Inman. Words, phrases and messages are spoken with a built-in Acapela voice synthesizer or by playing a recorded message.
Manufacturer Suggested Retail Price: $149
How Many in Inventory: 1
Purchased from: Apple iTunes
Back to Search Results | New Search
Photo Gallery
Click on the image to see a larger view (when available) in a pop up window.


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Tanzanite is a violet-blue stone first found in Tanzania in 1968 by a miner searching for sapphires. The color in this stone was caused by an ancient meteor that struck the area near Arusha, Tanzania millions of years ago, depositing the element vanadium throughout the area. Most Tanzanite is heat-treated to bring out the intense blue color. Rarely, Tanzanite is found in green, pink and yellow colors. The hardness is 6.5 to 7 on the Moh's Hardness Scale. Due to its coloring, Tanzanite is sometimes confused with blue sapphire and amethyst.
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E. W. (Skip) Etchells, a boat builder and world champion yachtsman, died last Sunday in Memorial Hospital in Easton, Md. He was 87.
Most yacht racing is done in one-design sailboats, all built to a specific design so that the outcome rests with the skill of the crew rather than the builder.
In the 1940's and the 1950's, Etchells dominated international competition in the one-design Star Class. In the 1960's, he created a new one-design yacht, the Etchells 22, now known as the International Etchells Class. Etchells built Stars for 30 years and Etchells 22's for 20 years.
In 1951, with his wife, Mary, as crew, he won the Star Class world championship. She is the only woman to have won a world title in this popular boat. Skip Etchells won the 1959 North American Star Class and many United States and international championships. Some victories came on Long Island Sound, where one-design racing is popular.
Ellwood Widmer Etchells was born July 5, 1911, in Philadelphia and raised in Trenton. At the University of Michigan, where he won three consecutive Big Ten titles in the discus throw, he graduated in 1936 with a degree in naval architecture and engineering.Continue reading the main story
He started designing boats and during World War II helped build destroyers and icebreakers for the Navy. After the war, he worked in New York for Sparkman & Stephens, the yacht designers. After two years, he founded the Old Greenwich (Conn.) Boat Company, which became a leading builder of Stars, Lightnings and other one-design boats.
In 1965 and 1966, the International Yacht Racing Union held a competition in Kiel, Germany, to choose a new three-man keelboat for the Olympics. The six entries included an Etchells-designed craft 30 feet 6 inches long, with a wooden hull covered with fiberglass. Although it won 10 of the 13 races, the officials chose a 27-foot Soling.
A disappointed Etchells said only, ''The various sponsors never were called upon to present their plans or arguments.'' But sailors around the world praised his yacht, and he started production of the class that he called the Etchells 22 because the boat's waterline length is 22 feet.
The design's first national championship was held in 1968. Etchells won it and sailed in Etchells 22 races throughout the 1970's.
In 1984, Skip and Mary Etchells retired to Easton. He is survived by his wife of 57 years, the former Mary O'Toole; a son, Tim of Middlebury, Vt.; a daughter, Anne Nieusma of Easton, and three grandchildren.
Tim Etchells, a senior editor of the magazine Mountain Sports and Living, said his father would be remembered for designing ''very fast boats.''
''The Etchells 22 is probably the fastest keelboat of its length before or since,'' the son said. ''In addition to being fast, it's a delight to sail. Last summer, more than 100 of them sailed in the world championship in Marblehead, Mass. There were 15 Olympic champions in the fleet. The Etchells Class is a nice legacy to him.''Continue reading the main story


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Although I had a wonderful time at CHA, it definitely feels great to be back in the comfort of your own home. There's just something comforting about being in familiar places, wouldn't you agree!?
Now that I'm home, I thought I'd share more pictures from CHA.
All in all, CHA was a lot of fun! It was tiring, but it was a wonderful experience for me. I had a blast meeting and hanging out with some of the sweetest people I have ever met. On top of being genuinely nice people, they are creative maniacs!
…and I'd like to personally thank Kiki for giving me this amazing opportunity! You ROCK! Can't wait to hang out again soon!
Oh, and guess what?! I picked the winners to the Kiki Art giveaways!!! The TWO lucky winners are:
*drumroll please*
1. Pinky: OMG I love Kiki I wish they had picked me! I will have to try harder next DT call! How fun! Tell Kiki THANK YOU for the giveaway girl! And we all really enjoyed seeing your pics at CHA, almost made us feel like part of the show!
2. Kelly Messer: I am totally a Kiki Art Fan! What a Great Line!! I am in love with all these bright colors! I put a sidebar on my blog-advertising your BIG giveways!! thank U for your RAKs!! check out my blog
Congratulations to both of you! Please send an email to email@example.com with your contact information, and I'll send the goodies your way! I can't wait to see what you ladies create with her products. 🙂 You're going to LOVE it!
Don't be discouraged if you didn't win, there will be giveaways in the near future. *hint hint* 😉
As for me, I'm exhausted from this past week. I better get some sleep now because there's a busy weekend ahead of us!
PS: I haven't been visiting everyone's blog for the past week or so. 😦 However, please excuse my absence. I plan on catching up with everyone through the weekend, so don't feel offended if I haven't responded to your emails, comments, chatting messages, facebook posts, etc.


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The Camera In Question
– Part of the Large Format Photography series of articles –
In a few days I'm taking photographs of an apocalyptic future containing gun-toting horsemen fighting each other. I'm doing this with a really old and really big camera, and I'm doing it because if everything goes to plan, it'll look really really good.
But really, what is this camera? What makes it so different to modern cameras, and why does it matter? Typically I like to avoid going into banal minutiae that only hardcore nerds will even care to understand, however for the sake of record I'm going to go over every nook and cranny of this little piece of mechanical history.
The camera is a Graflex Graphic View. Graflex is the name of the company who made the camera. They started manufacturing in 1898 – only 115 years ago! They were bought out by and absorbed into Kodak during 1905-1907 and made a boatload of cameras during their time all the way into the 1970's when they folded. The lens I'm currently using, and will be using for Tech Hunt is the Schneider Kreuznach Super-Angulon 5.6/90 with multi-coating and a Copal 0 shutter. This is a comparatively modern lens that was produced in the 70's.
I decided I was going to buy a Graphic View the second I spotted one on Ebay. They're beautiful cameras, which follow an aesthetic that simply isn't seen in this age of black "professional" hand-held boxes. Fortunately the Graphic View is also pretty much perfect for what I want to be doing, I could easily justify the this as more than a mere vanity purchase. It's got plenty of geared camera movements, giving me tons of careful flexibility for focusing, yet it's still fairly compact and quick to use. It even comes with a specially made carry case which can also hold all the associated items that I need while photographing.
So let me show you around this thing.
First off is the tank-like box it comes in, Despite this case being positively prehistoric, it's solid as a rock. I have no doubt that while carrying this around, my camera will be completely secure. All in all it probably weighs about 7+kg? It's heavy, but you can definitely carry it around if you have to.
What's in the box? It's something old, but it's not a pair of socks! What you can see here on the left is the underside of the camera and the integral rail it's attached to. On the right hand side is all the contents of the box removed. Typically I hold the following:
1. Camera
2. Dark Bag – A sealed bag with sleeves to fit my arms in, it lets me handled the negatives before they've been developed.
3. Film (not pictured) and film magazines (to load the film into the camera)
4. Tripod Collars
5. Shroud (not pictured)- This is a cloak that olde tyme photographers wore while shooting LF cameras, because the viewfinders are so dark and hard to see that if any light falls on them you can't see jack. The one I use is actually a fabric black / silver reflector from Calumet, which occasionally comes in handy for other stuff.
Here you can see the two tripod heads / rail collars I have, on the left is the original. It still works fine, however it's clumsy to use since I then have to attach it to a modern tripod, which already has more movements available, and is substantially more stable. Because of this the previous owner of this camera brilliantly wood-worked his own tripod collar that I generally use instead. It looks a bit rough in comparison, however function comes before form!
So what are all these gears and knobs doing on the camera? My DSLR has nothing of the sort on it, it's all electronic buttons and a twisty bit to zoom / focus. Why does the LF camera need all these bits? All those gears basically manipulate focus or perspective, they are called "Movements". They enable the camera to focus in ways that most DSLR's and their lenses can only dream of. Here is the main focusing gear being moved. This is just like focusing in any other camera, digital or film.
Here is the front lens being tilted about.
Here is the front lens swinging left and right.
There are a few other movements, however for the sake of sparing you the boredom of monotonous technical info, lets move on. Modern cameras are designed with a certain aesthetic in mind. They're made to look "professional", reliable, something amateurs desire because it'll change peoples perception of them as photographers. The thing is they're all generic black boxes with no prettiness at all where the largest artistic effort goes into the branding. Boooring! Ever really studied a Large Format Camera? They're pieces of finely crafted art in comparison.
I have a real soft spot for Art Deco styling, and all these cosmetic lines placed around the camera really help me pretend that I'm living in some bizzarro 1920's style version of the future. It's an attention to detail which doesn't really exist any more in higher end cameras. For shame!
So that was a quick overview of the camera I'm shooting with on Tech Hunt. In the upcoming posts I'm going to go into further details about Large Format lenses, the difficulties of handling film on a life film set, planning the shoot, as well as a detailed breakdown of how things went down, and how I'm handling post-production. As always, if you have any questions, or just want to shout abuse at me, email me at email@example.com!


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Being a responsible citizen in our community
Working together for excellence
Aspiring to be our best
Treating others as we wish to be treated
Welcome to Small Heath Leadership Academy
Latest NEWS
Hearing impaired pupils welcome deaf charity to school
Hearing impaired pupils enjoyed a visit from the National Deaf Children's Society's (NDSC) 'hearing bus' roadshow. Charity representatives led workshops on developing life skills as a deaf individual by exploring the themes of 'Who am I?' and 'My Future'. The aim of...read more
Small Heath pupils explore themes around genocide to mark Holocaust Memorial Day
Pupils took part in a week of activities to commemorate Holocaust Memorial Day. Holocaust Memorial Day, held on 27 January each year to mark the liberation of concentration camp Auschwitz, is an international day of remembrance for the millions of people murdered in...read more
Pupils give older residents a party to remember this Christmas
Pupils reached out to older people in the local community by throwing them a Christmas party. On Wednesday 5 December, 23 older people living close to the secondary school were welcomed by pupils for an afternoon of food, fun and festive entertainment. Pupils across...read more
commitment to
Educational Excellence
leadership academies a week
Character Development
commitment to


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When we are going to Sign Up or Register any website for create a new account, we have to verify our mobile number (Not all websites but many websites). Sometimes we need to create many fake account for some tricks or hacks like Paytm, Flipkart, Snapdeal etc Offers or Promos so we also need some fake mobile numbers.
Today I'm going to tell you how to get fake mobile numbers for fake account registration.
1. Go to This Website and select any mobile number as per your country.
2. Now put your selected number to your registration form's required field of the site where you want to verify your number.
3. Now submit your number and wait till verification code is sent to your number.
Also Read :- How to remove REGSVR.exe and New Folder.exe Viruses
4. Go back to Previous Website and click on the number you chosen. You can see the verification code their.
5. Just copy the code and paste it to the site where you want to open your account. You are done. Now your account will get activated successfully.


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Tuesday, April 7, 2015
1 comment:
- Trupti Parmar said...
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- June 27, 2017 at 4:26 AM
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Children are easier to deal with when they are still babies. Toddlers in particular have lots of energy, energy which they use for both playing and studying. It is obvious that the old furniture will not do anymore and that you need a different kids table and chairs set. As they begin to grow, they start to develop tastes and preferences, so that it is harder to comply with their needs. Furnishing the room of a toddler is rather a tedious task, but it does not have to be this way. With the following tips, you will know how to buy your kid the best furniture.
Kids' furniture performs two basic roles: providing a place to sit and storing things. What parents should keep in mind is that shopping for kids' furniture is not the same thing as buying furniture for adults. The main difference between the two is the youthful design as well as the colour or character. Equally important is remembering that the furniture needs to be strong enough so as to withstand abuse. Thus, kids' furniture is not all aesthetic, but rather practical and this is the reason why most of the goods designed for children under the age of 12 comply with strict guidelines. There are many other concerns involved such as comfort and price.
Children who have outgrown the toddler stage should have flexible bedding. Bunk beds are a great way to maximize the space in the room. Two children can sleep in them, so that there is no more need for sacrificing personal space. The lower area will not remain unused if you use it to deposit stuff. Another advantage of loft beds is that they are available in many styles. The only thing you have to pay attention to is to measure the space to make sure that you can accommodate a loft in the room.
No matter the age, any kid needs a place to sit. This is the reason you have to buy you kid immediately a chair and table set. It is not mandatory to coordinate the design with that of other pieces, but rather to find an appropriate size and a model that is youthful and appealing. Size is very important since your kid will feel crammed unless you pick the suitable size. When shopping for a table, it is important to make sure that the surface area is large enough. This will come in handy to your kid for spreading his homework, supplies and books.
Although decorating a child's room brings out the fanciful side of the parent, it also implies making a substantial investment. By making a budget, you can apportion specific amounts for essential pieces and cut back on over expenses. It is always bets to do some research online before hitting the stores. Many online shops offer designer furniture that you can easily accommodate into the space and that are bargain works of art. Finally, inspect before purchasing.
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American Express's most recent trend suggests a bullish bias. One trading opportunity on American Express is a Bull Put Spread using a strike $80.00 short put and a strike $75.00 long put offers a potential 6.84% return on risk over the next 22 calendar days. Maximum profit would be generated if the Bull Put Spread were to expire worthless, which would occur if the stock were above $80.00 by expiration. The full premium credit of $0.32 would be kept by the premium seller. The risk of $4.68 would be incurred if the stock dropped below the $75.00 long put strike price.
The 5-day moving average is moving up which suggests that the short-term momentum for American Express is bullish and the probability of a rise in share price is higher if the stock starts trending.
The 20-day moving average is moving up which suggests that the medium-term momentum for American Express is bullish.
The RSI indicator is above 80 which suggests that the stock is in overbought territory.
To learn how to execute such a strategy while accounting for risk and reward in the context of smart portfolio management, and see how to trade live with a successful professional trader, view more here
LATEST NEWS for American Express
American Express: Financial Winner
Fri, 25 Oct 2013 20:10:00 GMT
TheStreet – NEW YORK ( TheStreet ) — American Express was the winner among major U.S. financial firms on Friday, with shares rising over 2% to close at $82.61. The broad indices ended higher as investors sank their …
Avoya Travel Hosts First-Ever Avoya Academy for Independent Agencies
Fri, 25 Oct 2013 16:51:49 GMT
Marketwired – Avoya Travel®, an American Express Travel Representative and one of the leading travel companies in North America and beyond, today announced the successful debut of its Avoya Academy™, an in-person educational …
Visa is something you want to own: Trader
Fri, 25 Oct 2013 16:30:00 GMT
CNBC – With shares of Visa touching an all-time high, is it time to take profits with earnings ahead? "Fast Money" traders Mike Murphy and Dan Nathan debate the credit card giant.
Doing it the Buffett way
Fri, 25 Oct 2013 11:41:00 GMT
CNBC – Robert Hagstrom, "The Warren Buffett Way" author, discusses the lessons he learned about Buffett-style investing from the 'Oracle of Omaha."
American Express Calls on Neighborhood Champions to Rally Hundreds of Communities as Countdown Begins to the Fourth Annual Small Business Saturday
Thu, 24 Oct 2013 20:34:00 GMT
Business Wire – Hundreds of communities across the country will be rolling out the welcome mats for millions of shoppers on Small Business Saturday, November 30th. Founded by American Express® in
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Via Scoop.it – Shezcrafti
If there was ever a game considered right up my alley, this might be it. This awesome-looking game from indie developer Phosfiend Systems fuses sweet synth music with classic point-and-click style adventure gaming. As if this didn't already sound amazing enough, lead developer Richard Flanagan describes it as "Rez meets TRON."
FRACT is a first person adventure game for Windows & Mac much in the vein of the Myst titles, but with an electro twist. Gameplay boils down to three core activities: Explore, Rebuild, Create. The player is let loose into an abstract world built on sound and structures inspired by electronic music. It's left to the player to explore the environment to find clues to resurrect and revive the long-forgotten machinery of this musical world, in order to unlock its' inner workings. Drawing inspiration from Myst, Rez and Tron, the game is also influenced by graphic design, data visualization, electronic music and analog culture.
Check out this demo video:
The game is being further developed for release sometime in 2012. An older, playable prototype of FRACT is available for download for both Win and Mac; you can get it here.


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Mail Order Delivery Explained
Express Delivery £14.99
An overnight service recommended for orchid orders, especially in the winter, to minimise time in transit.
Standard Delivery £11.99
A two day service ideal for sundries and compost, also can be selected for orchid orders in the warmer weather.
Before Noon Delivery £19.99
Delivery before noon on a weekday for any orchid or sundries order.
Saturday Delivery £25.99
For any orchid or sundries delivery.
Delivery to Northern Ireland, Scottish Highlands & Islands and the Isle of Man £25.99
For orchids and sundries orders.
For all UK addresses, we can sometimes send small items by cheaper methods so please ask for a quote.
Republic of Ireland & EU delivery
This will vary due to the size of plants and destination so please contact us and you will receive an individual quote for delivery. Payment can be arranged after the total has been calculated.
20L and 70L bags cannot be sent with plants so need to have a separate £11.99 delivery charge, per bag.
Delivery to Countries Outside the EU:
These destinations require import and export certificates, please contact us for details.


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Narco Ball – Interview with the Director of The Two Escobars
If you believe you know a thing or two about soccer, you might be in for a big surprise viewing the film "The Two Escobars," based on the Columbia Narco football era of the 1980s and early '90s. During the 1994 USA World Cup, sport fans were shocked to hear that revered captain Andres Escobar's accidental own goal against the Americans led to his murder just days later by drug lords in the streets of Medellin. This was just the tip off the coke-berg presented by film producer Jeff Zimbalist and his brother Michael who chronicled a documentary (commissioned by ESPN) to produce one of 30 great sport stories for their 30th anniversary. ESPN needed a soccer story and they realized they were thin in the Latin American sector so they chose the American brothers who were presently living in Columbia to uncover the darkest days of sport where drug cartels ruled the game. Unforgettable footage and interviews of shot referees, lawlessness, violence, assassinations of parliament members, judges and national team players bought like candy by cartel leader Pablo Escobar (no relation to Andres) makes this documentary one of the most spell-binding sports films of recent memory.
Free Kick caught up with Producer Jeff Zimbalist to share with our readers how he created the film.
A lot of people mentioned the story of Andres Escobar. What was appealing to us was not that it had a murder mystery angle going on, but that in order to really understand what happened to Andres and who was responsible for his murder, you had to understand the context of Narco-football, Narco-soccer. It was much bigger than who pulled the trigger, or who was the intellectual author. In order to understand Narco-football, you had to understand the context of Narco in society at that time in Colombia. And as we started looking further into that context, we realized that there was this whole other character here, this Pablo Escobar. One character tells the story of sport and its importance for Colombians and for the nation at the time and the other character tells the story of society. And what was so complex about it was that the usual antagonist here, Pablo Escobar, actually was also the secret weapon behind this mysteriously rapid rise of soccer out of decades of being obscure on the International stage to be ranked the top four in the world by 1994 and be predicted to win the '94 World Cup. It was a time period there where no one asked any questions. You know the fact that there was elicit money. Society tolerated it, therefore it was tolerated that it was also invested into the sport.
In telling the story, it was also important to us to not to just extend the negative stereotypes and common betrayals and representations of Colombia as a hotbed of violence, corruption and drugs because we worked and lived there for quite some time and we actually have a love affair with the country.
We have a lot of good friends and most of the people we know are peace-loving and hard-working and moral people, so we wanted that to be a part of the story. Yet the story's so tragic. We really struggled with it, but ultimately found that Andres Escobar, through telling a story of the portrait of who he was, we were creating a portrait of the vast majority of Colombians: law-abiding, peace-loving, and hard-working who wanted nothing more than to transform that negative image of their country. Unfortunately, Andres was martyred and he did lose his life and it was really tragic. But still to this day he is an icon and a representative and a symbol of a Colombia that is on the up-and-up. Colombia is a country that is working very hard to transform itself.
Free Kick: There was such an impressive list of interviewees that you had from government officials, to players, the mafia, the hitman, family members of Escobar. How did you do that?
I don't think we could have got the access you're asking about or the level of investigative depth or have found as many archives as we found had we not already been working in Colombia for awhile. We had a network, we had a talented fixer who could get access to pretty much anybody in a very dangerous environment. She also advised us on how to approach certain people such that we wouldn't be endangering ourselves or our subjects. In some cases, she advised us not to reach out to certain subjects at all. There was a little bit of a dance around even the ambition of the film. You always want to weigh that against the safety of those involved. A lot of the great interviews that we did get (we interviewed 37 overall, I believe, from government to sports to crime) didn't end up in the film because we did feel that it would compromise the subjects. They're based on many months of building relationships and trust with the subjects, some of whom are extremely distrustful of outsiders because they've had very traumatic pasts. Like Pablo Escobar's family: his sister, his cousin, his hitman. And others who really didn't like talking about those years because they haven't revisited the trauma, and they've bottled it up and repressed it, and to go back and talk about it meant to go back and re-visit the emotions of losing loved ones. And in some cases we respected that, and in other cases we said well, if you ever feel you want to talk about it, here we are. The more they got to know us, the more they decided this is the time. 15 years later, it's time to revisit those emotions and once you sat down with them, it all came out. And it came out in a very cathartic and therapeutic way. The majority of these interviews were really important emotional conversations for us and for the subjects. There's a lot of extra stuff in there that is really interesting. Some people, like the head of the soccer federation, said "I'll sit down with you guys but I'll only talk about soccer. If you so much as mention the word Narco, and if you guys ask me a question about Narco I'm going to get up and leave the room." Within 10 minutes of starting the interview, he was like, all right, here we go and he told us everything about Narco and the reason why he said it was because he realized that you can't talk about soccer without talking about Narco. Just like you can't talk about the Chicago Bulls in the '90's without talking about Michael Jordan. There's a fundamental importance to elicit money and strong-arm tactics in telling the story of the rise and fall of the sport.
Free Kick: Do you think other federations are run like this in the world?
I don't know. I'm not that well read on the premier league and I definitely don't claim to be a soccer historian in any way. But I have heard stories obviously and it does seem to me that rich investors in any sport, basically in any industry, the wealthier you are, the higher your chances are that some of your money may not have been accrued through the most legal or transparent ways. Particularly in sports where there's the flamboyant public expression of wealth in terms of owning a team, that those types or personalities are also the ones oftentimes that are intrigued by alternate ways of making money. So, I wouldn't be surprised if elicit money, or not the cleanest money, was involved in soccer in other places as well. I would be surprised if people were using the kind of strong-arm tactics that were used in Colombia at that time. Anthrax, the killing of players, the killing of referees, bribes, the buying off of FIFA refs, I hope that that stuff is characteristic of a country in massive turmoil and civil war where there was a culture of anything goes and power dictates, not the law. I would hope that it's contained to environments like Colombia during those years. Like in the premier league, it's much more civilized and fair, back-row dealings.
Free Kick: You really see the issues FIFA has to handle. Is that all it takes, to have a lot of money and you can create a dream team? There are so many other countries in the world that have a lot of money invested in players, yet Colombia found a way to be 4th in the world. How does that happen?
I think you have to have raw talent. Colombia still has raw talent, it's really interesting that once they lost that investment and they had this government campaign to weed out the illegal elements in sports, then you lose all your best players when they go abroad where they get paid better salaries. You lose your better trainers. You lose your infrastructure. You stop developing players at the youth level. All of those things are necessary to build around raw talent. Let's say you have an organized club that can play well together and that can keep its best talent at home. Colombia has raw talent. Colombia's soccer has always been a way of life and a national pastime so kids are playing it and they still have that. What they don't have is the infrastructure and the economics that would support bringing those teams together and keeping the best talent in Colombia. So the more investment they get and the more people that re-involve themselves with soccer, the better their chances are going to be. They're still a decent team, they don't qualify for the World Cup anymore but they do come close. I think that's based almost exclusively on raw talent. But what happened here is that it wasn't just the economics that collapsed at the end of the glory years when Pablo and Andres died and the government weeded all the elicit money out. It also was the spirit and the loyalty and a lot of people. When you meet them, when you get to know them they're a very positive, a very upbeat, happy and honest people. Soccer was a vehicle that represented that to the world and introduced that on an international stage in 1994. But ultimately, it became the biggest humiliation of all, and with the death of Andres, it just extended people's worst fears. So a lot of people haven't returned to the stadiums, that's just because it doesn't feel like the right place for their passion and their free time. And I think slowly, and hopefully with the processes like this film is generating where people start to re-visit, express and emote this catharsis, we'll have them return to the thing that they do deeply love and try to reinvent it on a legitimate foundation.
Free Kick: Bringing it back to Canada and North America where we have to compete against countries and cultures with this kind of passion and history makes it very difficult for us to qualify.
I think it's really interesting; one of the things that makes me really appreciate soccer is that many games are very psychological and soccer is the chief among them. But the idea that the psychology of a country is what is being represented on the field and you see it time and time again, where a country is at historically, and socially and economically is represented, it's embodied in how their team plays on the field. It's a battle of national psychologies to a certain extent. Sport is often thought of as physicality – a battle of brute force. With soccer, it's: how concentrated is this country, how much turmoil is there, how hungry are they, what do they need as a country, how desperate are they? I hope that by taking soccer into this psychological element to the film, we access a bigger and wider audience in the United States and Canada who don't necessarily appreciate the sport, and we said to them that this is much bigger than these guys kicking a ball around a playing field. This is an extension of society. By doing so, we here in North America start to appreciate and understand and speak the vocabulary of soccer such that we can begin to communicate better with our cultural and class counterparts. I think that's what the world needs and soccer is a real vehicle to begin that dialogue.
The Two Escobars has already won the Best Screen Play and Editing in Monterey and was an official selection at Cannes. It will be screened at the Vancouver International Film Festival in October. Please see our listing for details. Two Big Toes up!


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┌── Elza Hinshaw │ 1847-1920 ┌── Llewelen Hinshaw ──┤ │ 1870-1942 │ │ └── Mary Ellen Robbins │ 1852-1936 George Hinshaw ───┤ B: 1913 │ ┌── Malissa Ann Hinshaw D: 1969 │ │ └── Cora Alma Beard ───┤ 1872-1941 │ └── Henry Beard M: Harriet Harris ├── Donna Louise Hinshaw (1937-) 1 └── Janet Anne Hinshaw (1942-) 1
|George Hinshaw [ID 01223]
|Click here to switch to Ahnentafel view:
Born Sep 21 1913, Losantville, Randolph County, Indiana.1
He married Harriet Harris, Feb 6 1937, Kentucky.1 Harriet was born Oct 23 1916, Greenville, Darke County, Ohio.1
In 1942 George was living near Williamsburg, Wayne County, Indiana.2
George Hinshaw died Dec 23 1969, Richmond, Wayne County, Indiana.1
Harriet died Aug 18 1995, Indianapolis, Marion County, Indiana.1
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Locksmith Service in Prole, IA
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Whenever you are into an emergency locksmith situation, don't forget to contact us. Receive free estimations on your chose service upon calling.


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At Stake in Iraq: Arms Control's Future UN Inspectors Are Back in Baghdad, but Saddam Still Denies Access to Scores of Sites
Jonathan S. Landay, writer of The Christian Science Monitor, The Christian Science Monitor
Over the past three decades, much of the world has cooperated in constructing a bulwark of ambitious agreements designed to curb or eliminate the most deadly weapons ever devised by man.
Together, the Nuclear Non-Proliferation Treaty, the Comprehensive Test Ban Treaty, the Chemical Weapons Convention, the Biological Weapons Convention, and other pacts are regarded as building blocks of global stability in the 21st century.
But as the showdown over the United Nations search for Iraq's illegal arms enters its second month, there's growing concern over the world's willingness to restrict the spread of weapons of mass destruction. US and UN officials, as well as independent experts, say the outcome of the Iraq crisis could signal whether the international community will take tough steps to eliminate the threat. Its failure to do so, they say, could exacerbate the danger by encouraging states like Iraq to pursue covert nuclear, biological, and chemical weapons, even if they are parties to arms-control treaties. "Iraq is a test case for something far wider," Richard Butler, the top UN inspector, said last weekend on NBC. "Are we going to live in a 21st century in which weapons of mass destruction are around every corner or ... are we going to live a more civilized life?" The deep uncertainty over international cooperation on counter-proliferation grows out of differences among the world's most powerful nations over dealing with Iraqi dictator Saddam Hussein's challenge to UNSCOM, the UN inspection group. Eager to reopen trade deals with Baghdad, France and Russia are seeking to short-circuit UNSCOM to hasten the lifting of UN sanctions on Iraq. Russia's pledge to seek an end to sanctions led to an Oct. 22 resumption of UNSCOM operations after a three-week hiatus triggered by Iraq's expulsion of US experts. French and Russian advocacy on Iraq's behalf comes despite evidence that Saddam retains an arsenal of illegal weapons seven years after UNSCOM began work in the wake of the Gulf War. This cache is believed to include 6,000 gallons of anthrax, a deadly toxin, and ingredients to produce as much as 200 tons of the nerve agent VX, enough to kill everyone on earth. Iraq is also suspected of concealing dozens of Scud medium-range missiles. The US and Britain oppose lifting the sanctions until UNSCOM accounts for the missing materials. The UN, they say, must be allowed into more than 70 installations, including dozens of Saddam's palaces, from which it has been blocked. Iraq is refusing to comply, citing national security and sovereignty issues. …


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989 Design Terms & Conditions
- Any call outs, hours both whole and part of, amendments to already signed off artwork whether agreed verbally or in writing will all be subject to charge.
- All jobs, even if a small change to copy within a website or document, will be logged into the system as a job with its individual job number. If part of an ongoing job outside of previously agreed changes it will have a job number relative to the original job number. Each completed job will be invoiced complete with this job number. Minimum order £30
- All jobs now require a 50% upfront payment with all new and existing clients, this is to log the job into the system but to also secure the work and insure 989 Design Ltd. for any clients pulling the job after work has commenced. The percentage also allows for cash-flow security during large projects that may run over a week or two. Each payment both upfront and balance on completion will have the same invoice number and you will receive two invoices for your records, one for each amount.
- 989 Design Ltd. charge £60,00 per hours or a discounted day rate of £185 per day
- Working hours are to 8am – 5pm – 8 hours for both internal employees and freelancers unless additional time is required or requested.
- Work can be booked on a daily rate or hourly rate (prices are still being considered due to business outgoings and day to day running of the office etc – same as any business)
- Work outside of the above hours will be at a slightly higher rate unless agreed by 989 Design Ltd. and the client
- Saturday and Sunday working hours are available, again, at a higher rate, unless agreed by 989 Design Ltd. or part of the original quotation for a set job
- Each job will require a written brief, this can be as simple as a a few instructions in an email or for larger jobs or fresh projects a detailed brief will be required. 989 Design Ltd. brief forms will be available in PDF format to be filled in by the client and then can be emailed direct to 989 Design Ltd.
- Once all briefs are received, 989 Design Ltd. will either quote for days or hours and part of, or will draw up a proposal based on the clients brief. Upon acceptance and amendment (if required) the job will be booked into the work stack diary at which point the agreed deposit will be required
- Written approval for each job will be required from each client prior to going to print or going live (unless going live is the first and only means of viewing the work or in very hasty situations)
- Any issues relating to Google© search results caused through instructions to 989 design but not as a result of an error on 989 Design Ltd. behalf will again be chargeable. The only exception is if an ongoing contract to streamline all of Google© search results is within contractual agreement at which point all relevant changes will be made inclusive.
- (please note that with search engines, changes can take up to a month (worst case scenario) to log in and change so please take this into consideration with all search results, domain name and website ranking requests.
- Final balance for each job to be paid upon written sign off or approval.
- Apart from pre-agreed payment instructions, the final balance must be paid within the set time allowance as indicated on the initial invoice.
- Each client or individual is treated in the same manner, all conversations and work is treated in confidentiality unless otherwise requested.
989 Design Ltd. Company Number: 10720134
Registered Address: Belgrave House, 39-43 Monument Hill, Weybridge, Surrey, United Kingdom, KT13 8RN


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Expanding our Footprint
At Bush Construction, we're thrilled to be expanding our footprint in our community by growing our workforce. Get to know two of the newest faces of the Bush Construction team—Ken Jorgenson, Project Superintendent and Travis Dean, Project Engineer and Virtual Design Consultant!
Ken Jorgenson
"It's always my job to do the best job that I can for our customers," said Jorgenson. "Bush Construction is a great company, and they have a solid reputation for being a great company to work with because we deliver quality on every project. Everyone here works as a team which helps us solidify long-term client relationships."
The Pleasant Valley project that Ken is spearheading is an eight million dollar renovation at the junior high school, making room for eight new classrooms, a new industrial tech room, multi-purpose wellness room and expanded kitchen and orchestra room.
At this stage of the project, concrete foundations are being poured, and work on the boiler room is starting.
"I'm extremely passionate about what I do at Bush. It's my job to make our team look good, and continue to foster growth in the company moving forward."
In his spare time, Ken owns a few rental properties in the area and enjoys remodeling homes.
"My dad was a carpenter, and I enjoy spending my free time working on projects of my own."
Travis Dean
Travis' dual degree in architecture and construction management from the University of Illinois—also attending graduate school with Michael Johnson—make him the perfect fit for such a unique role in the growing department. He's able to utilize his skillset in architecture on the virtual design and BIM side of the business, as well as his construction management knowledge during project implementation.
"I wanted to work for Bush Construction because my background in dual fields aligns perfectly with their building processes, and I wanted to keep my feet planted in the architectural design and BIM services." said Dean. "My brother also works for Bush, so that's fun, too!"
Travis enjoys being a part of the BIM team and being able to see plans from the beginning of the project. Seeing the project from the beginning designs helps him to gain visual clarity of what the project is going to be through the construction phase to completion.
"The BIM department is unique to Bush, and the department is growing because we are at the forefront of this technology in the region," explains Dean.
"Personally, I feel like a high integrity person, and I always want to do the right things in life," said Dean. "It's a big deal to know that Bush takes the same approach in their business model. It make me feel like I truly fit in the company culture here."
Learn more about the knowledgeable members of the Bush Construction team, and the value they add to our client relationships by visiting our website!


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Retail Network Roundup: Bexley Bikes
- By SarahF on at 2:54pm 2 May 2018
- Posted in: News and blogs
- Tagged with:
Whether you're a newcomer, commuter or a seasoned roadie, one thing every cyclist needs is a good LBS, or local bike shop. LCCs Retail Network brings together the best bike shops across London to give our members exclusive access to get great discounts on repairs, parts, accessories and more! With over 120 shops to choose from, our Retail Network Roundup series was started as a way to help you find your favourite LBS and get to know some of the faces behind the work stands.
We're excited to welcome Bexley Bikes as our newest Retail Network recruit, and introduce all of our members (particularly those in the Bexleyheath area) to these guys! The boys at Bexley Bikes are a Giant preferred partner for their entire range, from e-bikes through to their award winning road range and everything in between. They also stock a hefty range of two wheelers, from commuters through to full suspension mountain bikes and children's bikes to suit all ages.
We were lucky enough to catch Scott Wygell, General Manager of Bexley Bikes to talk shop, the lengths they'll go to keep their customers on two wheels and get to know a bit more about the bike shop of choice for Bexlonians over the last twenty odd years.
What's the story behind Bexley Bikes? How did you guys get started?
We grew from the owner's lifelong passion for cycling and now that he has semi-retired I have taken over the reins to be the bike shop of choice for the local area. I have a mild obsession for everything road cycling and love nothing more than talking push bikes so come on in and let's chat.
On your website it says that you are an official dealer of Giant bikes. Any noticeable standouts from their 2018 range that folks looking to upgrade (or get into cycling) should keep an eye out for?
The Giant TCR has just won 2018 Cycling Plus 'Bike of the Year' and is a fantastic road bike and available to view in the shop. The Giant Propel has also won the Aero Bike of the year and that is also available to view in the shop.
With over 40 years of combined experience of repairing bicycles, what's your best customer story or strangest repair question you've gotten in the shop?
We have repaired everything from go-karts to wheelbarrows to wheelchairs we just love a challenge. Just a couple of weeks ago I literally took the electronic battery from my own bike and gave it to a gentleman who was planning on cycling a 100 miles from the Kent coast to London and back again after his own battery had failed on him and he was stranded 40miles from home. That's the next level service we offer here at the World Famous Bexley Bikes.
How did you get into bikes/cycling?
Personally I had worked in the hospitality industry for over 20 years and decided on a complete lifestyle change. Marc Anthony said it best, "If you do what you love you will never work a day in your life!" I've followed pro cycling all my life and the obsession is real.
What's your favourite thing about cycling in London?
The sights, the sounds and the smells are second to none and in just 10 miles you can be in the Kent Countryside with all your worries left far behind.
What tips would you give to anyone thinking about getting into cycling in London?
Come in to your Local Bike Shop and touch and feel the quality of the products and knowledge we have on offer it really will set you on the right path and you might even catch a little bit of our enthusiasm.
How do you feel cycling in London has changed over the last decade?
The Olympic and professional success really has had an impact of the popularity of the sport in recent years. I think this has had a massive impact on the improvement of cycling infrastructure and its creditability as a form of transport. All Hail The Push Bike and its rider whatever their shape or size!
How important is it for cyclist to support their LBS and how do you think the future will look like in London for independent mechanics/retailers in the cycling industry?
"Support your local bike shop for you will miss us when we are gone!" We are the lifeblood of the local cycling community and a local centre of knowledge for all things cycling related. Like the record stores of old we could so easily be taken for granted then before you know it disappear for sight.
Do you run any workshops, events, or club rides that our readers should know about?
We are interested in getting involved with local clubs and cycling groups so get in touch. We are planning on starting midweek shop rides WHEN the English weather finally gives us a break. Find us on Facebook for upcoming details on future events.
Being a road cycling enthusiast, I'm guessing that you'll be tuning in to Giro d'Italia on Friday. Where's your favourite spot to catch the races?
First and foremost I'll be keeping it British and closely following the Tour De Yorkshire from the Comfort of my front room, then I'll be switching to The Giro with split loyalties between Team Sky and reigning champions Team Giant Sunweb.
Everyone loves their LBS, but why do people in Bexleyheath love Bexley Bikes?
With over 20 years experience and a team made up of passionate coffee loving cyclists we really are a RAY OF RETAIL SUNSHINE on Bexleyheaths Broadway so come and see us - we're sure you'll feel the passion.


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In the past trying to get rid of extra weight in Dalton Ohio was never easy. Sure, if you were just trying to lose a couple pounds in Dalton it may be a little bit easier, but for most in Dalton, it is not about losing a couple of pounds. For most in Dalton Ohio, it is about losing 10 pounds or more in Dalton. And that used to be a difficult thing to do in Dalton. Those days are now a thing of the past thanks to a fantastic Dalton product called HCG Triumph diet weight reduction plan drops.
Triumph HCG drops are not just another weightloss fad product. It is an entire weightloss program that has been many years in the making in Dalton and that is utilizing not only some of the most advanced weightloss solutions and ingredients in the world of natural weightloss, but Triumph HCG drops also use the most advanced solutions in Dalton OH in nutrition and proper maintenance of weight management. Together, it makes for a Ohio weightloss program that is very effective and that is also incredibly quick in Dalton. With the Triumph HCG Drops, you will lose body fat more quickly and efficiently than with anything else in Dalton OH, period!
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The fundamental problem with ULIPs
There's a good chance you already own a Unit Linked insurance plan (ULIP). Chances are that either your parents bought one in your name or the friendly bank manager showed up in the month of March to sell this policy for tax purposes. Only later you started to hear a lot of clamour about not mixing insurance and investments. You started to get a cringing feeling of having been ripped off. You try to understand the policy but you cant. Whose help do you take? And would you really want to admit to others of having made a bad investment decision? Besides you probably have paid 2 of the 5 instalments. You'd rather pay the rest than face surrender charges. What's done is done.
Sadly, that's the story of a vast majority of investors, including yours truly. Advisers much experienced and wiser than us have already written about the pros and cons of choosing a ULIP, the product. Though to understand the problem with the product, it's much more essential to...
The 11 item Financial checklist for today's digital Indian
Things change fast in today's Digital world and even faster in the world of Finance. It was only back in 2007 when the concept of core banking was introduced and NEFT was still finding its footing as an acceptable mode of transaction. Getting insurance was a painstaking task. Mutual funds were only beginning to gain acceptance.
Fast forward 10 years and things like UPI, wallets, insurance, mutual funds all sit nicely packed in a 4G connected device in our pocket. We have an entire bank installed on our phone these days! While technology has made it easier to access and manage information - It is still confusing to keep track of the basic checklist we should all maintain for a healthy financial life. Here goes a list of things everyone must tick off in today's digital world.
1. Apply for and update your PAN and AADHAR. Update your AADHAR with your mobile number and email address if you haven't. It is already becoming essential for navigating through...