text: Guangdong Unihero Optoelectronics Technology Co., Ltd. (Unihero for short in the following) is an international photoelectric technology industry group company which is specialized in developing, designing, producing and selling LED products, and providing professional lighting engineering solutions and integrated services. Our company is one of symbolistic enterprises in China's photoelectric technology industry with strong foundation and unique advantages in LED display and optoelectronic technologies, LED energy-saving lighting techniques, LED solar applied photovoltaic technologies, LED modern agriculture applications, LED biotechnology, LED lighting engineering solutions, LED landscape engineering solutions, etc. Unihero possesses a strong R&D team. In recent years, Unihero has already broken through a series of challenging technological bottlenecks in LED mainstream lighting and smart control lighting, preferably solved the most technical problems in luminance, luminous efficiency, heat dispersion and lumens depreciation, and achieved many great state-level inventive patents in the fields of electron, optics, thermal conduction, function, structure, design, etc. Our integrated service network covers Europe, North America, Asia, Australia, South Africa and other global markets, providing considerate, fast and unique services. Our products are widely used in homes, hotels, stores, offices, schools, hospitals, factories municipal engineering and plenty of successful project cases worldwide. Unihero has been approved and highly praised by global customers, local governments and the society with our prominent technology, high quality, excellent service and good credit. Moreover, Unihero has been awarded the following titles one after another, such as "Guangdong Excellent Intellectual Property Enterprise", "Huizhou Excellent Intellectual Property Enterprise", "Guangdong Private Hi-Tech Enterprise", "Huizhou LED Lighting Engineering Technology R&D Center", "China Lighting Appliance Brand Base - Recommend Brand Base", etc. Unihero adheres to take "original independent intellectual property rights as basic driver, modern high-tech products and commercial application technology as the method, and energy-saving and environmental protection" as the enterprise development strategy. With continuous development of original and high application technology in the front of photoelectric industry, our company provides high-quality and green photoelectric technology application products and perfect services for customers around the world. Unihero will insist on our corporation spirit of "to make achievements by contributing to the others" in order to contribute to human beings' energy-saving and environmentally friendly projects. Qualifications and Glories: Guangdong Private Hi-tech Enterprise Huizhou LED lighting Engineering Technology R&D Center Excellent Lighting Enterprise of Shenzhen City Excellent Lighting Technology Products of Shenzhen City China Recommended Electrical Lighting Brand ISO90001:2000 Certificate CE Certificate RoHS Certificate Scandinavian Certificates (S, N, D and FI) Patents: PCT/CN2008/000204 200920057383.0 ZL200720004029.2 ZL200720141753.X 200710084881X 200820178470.5 200820201295.9 200820204471.4 Director of Huizhou Electrical Lighting Association Executive Vice President of Huizhou Hi-Tech Industry Association Excellent Associator of Shenzhen Electrical Lighting Association


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"Maharajah Duleep Singh after F.X. Winterhalter" - Limited Edition Prints
"Maharajah Duleep Singh after F.X. Winterhalter" - Limited Edition Prints
The artist's replica of "Maharajah Duleep Singh", originally painted by F.X. Winterhalter in 1854, is available as a fine art limited edition print in varying sizes on archival paper or canvas, framed and unframed.
Saluja was granted permission from the surveyor of the Royal Collection to work from the original painting in England, making her copy one of the most faithful in existence. The replica was exhibited at the Royal Ontario Museum in Toronto along side her original composition "Maharajah Ranjit Singh, The Lion of the Punjab". Together, the portraits convey the rise and fall of the Kingdom of Punjab.
Each print is carefully produced by professional fine art printers to the artist's exact specifications. The printers use the highest quality archival inks, printers, canvas and paper. Each print is hand-signed and numbered by the artist. The print comes with a signed letter of authenticity.
The canvas edition is limited to 50 prints. The paper prints come in two size editions, large and medium. Each paper edition is limited to 100 prints. All prints are available framed and unframed.
- Unframed Medium Paper Print (10.5 inches x 19.5 inches) $575.00 usd
- Unframed Large Paper Print (16.75 inches x 31 inches) $750.00 usd
- Framed Medium Paper Print (16 inches x 25 inches) $825.00 usd
- Framed Large Paper Print (22.25 inches x 36.5 inches) $1,100.00 usd
- Unframed Canvas Print (19 inches x 36 inches) $1,250.00 usd
- Framed Canvas Print (24 inches x 41 inches) $1,650.00 usd
Please note that shipping is not included in the price. Shipping rates available at checkout. For international deliveries and to Hawaii, and Puerto Rico please contact the artist directly at 212-461-4989, or email@example.com.
All unframed canvas prints are delivered un-stretched and rolled. Your local framer can provide stretching services prior to framing, or contact the artist directly.

subset: commoncrawl


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You should see some cool Flipkart 2018 Mobiles Bonanza deals in this week. Flipkart is offering deals on Xiaomi, Lenovo, Samsung and a number of other brands.
Flipkart 2018 Mobiles Bonanza Deals
The Flipkart 2018 Mobiles Bonanza deals follows the recently-concluded Samsung smartphone deals on the same e-com store. Ever since the festival of lights in India, Diwali, there have been various deals and discounts going on around. And we have one more starting from the upcoming Wednesday. This deal runs from January 3 to 5 and targets mobiles phones only. And did you go through the Black Friday deals?
So, let's get going to know what deals you can get on Flipkart over the next 3 days.
Grab Or Gone
The grab or gone deal is quite interesting. As the name suggests, the deal is gone if you fail to grab it. Through one of these Flipkart 2018 Mobiles Bonanza deals, you can grab the Google Pixel 2 for a price of Rs. 39,999, while the Pixel 2 XL can be yours for Rs. 52,999. The Samsung Galaxy S7, On Nxt, Motorola G5 Plus and a number of smartphones are up for grabs from January 3 to 5.
Moto G5 Plus and Moto C Plus
The Moto G5 Plus 4GB edition costs Rs 9,999 during this deal, at other times, the device would cost you Rs. 16,999. The Moto C Plus, on the other hand, gets a discount of just Rs. 1000. The phone costs Rs. 5,999 instead of the earlier price of Rs. 6,999.
The Samsung Galaxy Series
One of the biggest discounts comes in the form of the Galaxy S7. The phone costs Rs. 46,000 in the market. But, through this deal, you can get it from only Rs. 27,999. For the On Max 4GB variant, you can pay Rs. 13,900, instead of Rs. 16,900.
Mi A1 and Xiaomi Redmi Note 4
The Xiaomi Redmi Note 4 top variant became available for Rs. 12,999 in the Indian market initially. However, the Chinse company started dropping prices after a successful run in India. The 4GB variant is now available for Rs. 10,999 thanks to the Flipkart 2018 Mobiles Bonanza deals.
Also Read: Comparison Between Xiaomi Redmi Note 4 and Note 5
Other Deals
Apart from this, there are other deals on Lenovo K8 Plus and K5 Note, Panasonic Eluga Ray Max, as well as Oppo F3 Plus. Do check the official deals before purchasing, though.


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Our business: making the closing as smooth as possible for your clients
We see ourselves as partners with the many influencers in the world of real estate- especially real estate agents. You're our friends and neighbors, and we care about you and your clients' closings. That's why we're quick to share resources and knowledge wherever we can. Find great downloads for your buyers and sellers, read up on FAQs, and get information on Continuing Education courses. See you at your next closing!
Continuing Education
We're dedicated to providing crucial information to real estate agents.
For over a decade, Commerce Title has provided countless hours of continuing education credit to realtors on subjects such as the purchase agreement, breach of contract and specific performance, Meghan's Law, psychologically impacted properties, capacity to contract, and more. Commerce Title is one of the few title companies in the Greater Baton Rouge area that is approved by the Louisiana Real Estate Commission to provide the mandated continuing education that Realtors need.
If you would like to schedule a seminar for your company contact Niki Beeson.


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KiwiHarvest is New Zealand's national food rescue organisation. We collect good food before it goes to waste and get it to those in need.
Marathon Molly
- $920.00 donated
- 21 generous donors
Molly Here! I'm running the AucklandMarathon for KiwiHarvest- a charity who provides the less fortunate in our community with fresh produce!
I run to eat more.. is there another reason people run?
I'm half kidding. Reflecting on that statement though, I realise it is a privilege to be able to have access to ample fresh fruit and vegetables (so my body has the proper fuel to run these outrageous distances!) ..and then sneak in a treat or 20 afterwards.
There are so many less fortunate in our community who don't have this luxury and struggle to afford the basics to feed themselves and their families. There are kids that go to school without breakfast or a packed lunch, while there is a huge amount of quality food wasted everyday.
That's where KiwiHarvest comes in...
"KiwiHarvest is a food rescue organisation, currently operating in Auckland and Dunedin. Put simply, we collect good food before it goes to waste and get it to those in need. KiwiHarvest works with food businesses, including supermarkets, wholesalers, producers, cafes, restaurants, and hotels, to rescue the good food that they aren't able to sell. Our drivers and volunteers then deliver this food straight out to charities and social service agencies, helping them to provide fresh, nutritious food for those in need, all free of charge.
Your generous donations will help them rescue more food, and deliver it to more people - simple as that! For every $1 donated, KiwiHarvest are able to deliver the equivalent of 2 meals.
With more funds, KiwiHarvest are able to put more vehicles and more drivers on the road everyday, and expand their operations to new locations."
Page created by:
Molly Quin
I'm a huge advocate of the statement "Food is Medicine." KiwiHarvest gives people the gift of health each and everyday. Not only do they deliver fresh produce to those that would otherwise not be able to afford it, they also provide resources such as cooking classes so a change in lifestyle is achievable and maintainable. Plus they save so much food from being wasted. What more could you want?!
I understand that not all my friends/ family live in New Zealand and this cause may not feel as close to your heart- so if that is you, I'd love it just as much if you found a charity that does this type of work in your local community and donate to them instead! The work these guys do impacts the quality of so many lives, giving them a gift we take for granted each and everyday.
All funds raised go to:
- $920.00 donated
- 21 generous donors
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- KiwiHarvest
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Rocket French — Deer Lodge/tennessee
the incremental approach along with the programmed steps/lessons makes the learning process much easier than deciding on your own what to study and how to study. Also, the repetition of key words/phrases from earlier lessons in subsequent lessons really does solidify the material. I also really like the MegaFrench modules. There is so much variety to the available tools. If you want to hit it hard you can use the dialogue lessons/review/know it; if you want to get exposure without too much effort, you can do the games. Brilliant!


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Email Marketing Services
Our Email Marketing Startegy Increases Your ROI.
Lakshya Seotech email marketing service offers you to send some assistance with messaging in mass to indicated target clients of your database and draw in with them in online networking space. Through messages we help you to build up a direct captivating personal relationship with clients, which is important for your business. Email marketing is attempted by us strictly when a point by point investigation is being done on the present and planned purchasers of your items and administrations. Utilizing our email apparatuses convey sends that are coordinated with the online networking and points of arrival remembering to produce quality leads, better engagement and better ROI.
The objective of an email is to trigger snaps and direct people to your site. Once there, it is essential to satisfy supporters' desires and finish your change with the utilization of a greeting page that reflects components of the email to make for a reliable client involvement with the crusade all in all.


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I have listed a new property at 145 NICHOLSON ST N in Prince George.
Solid 4 bedroom home with two floors, and full basement on three city lots, covered parking. Centrally located in an established neighbourhood, with great neighbours. One block from riverside walking trails. Updated kitchen with maple cabinets, birch flooring and re-claimed wood accents. Bright sunny exposure, cedar rooftop deck. Fully fenced back yard landscaped with perennial plants and fruit trees, yard has alley access. Newly constructed 10 X 16 shed/workshop. Large carport. Recroom finished in the basement. Fantastic workshop in the basement. North end of Nicholson Street. Morning sun in the kitchen and afternoon sun in the living room and backyard. Book your viewing today. Measurements are approximate and should be verified by the buyer if deemed important. Updates as per Seller.


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Ability to sit over multiple databases. We are able to report daily and monthly on financial and non-financial indicators. Able to perform fast ad-hoc self service queries and generate standard reports where other users can refresh as needed. Reporting is able to be combined with excel, making results more powerful.
Nothing, other than at first the number of measures and data fields can be a bit overwhelming. However after more familiarity with these, ad hoc data queries are extremely simple and fast.
The team at Calumo are very responsive and always keen to implement enhancements and improve the user experience.
More insight to root causes of issues. Ability to address issues as they arise. Ability to report and view data that was very difficult to obtain from source systems.
Working from core systems data to SSAS, to Calumo, to Excel, to web, to Office documents, to mobiles, action - quickly, with confidence and grace.
That there is always new data I would like to integrate - that's hardly a fault of Calumo.
Talk to Calumo clients like yourself, and in your industry.
Go to a Club Calumo event and talk to other users.
When you consider the costs of alternatives, look carefully at the costs to administer, the training required, the licensing model that allows you to get the benefits out to all your people, and the flexibility in the presentation layer to do precisely what you can imagine you will require. We looked hard, Calumo came up as the correct answer, and that has been borne out in 2 years hard usage.
Look for a vendor whose Consultants can contribute to your business - in our business, Calumo Consultants are invited to project and team meetings from time to time, and are a hugely valuable sounding board for everything from metric design and usage, to change management.
Daily Operational and periodic interactive (commentary capturing) Reporting
Performance improvement.
Custom reports that auto-refresh are indispensable. Go from updating countless spreadsheets every month to reading reports that are automatically generated.
User Interface could be a bit more intuitive
Minor improvements in a business from understanding a company's data can lead to Millions of dollars over the short term. Company's rarely need more data, but most often need to understand the data they already have. Calumo helps understand, and automates reports to watch any KPI in a few clicks.
Helping business decision makers get faster answers to the questions they are asking, and showing them the answers they didn't think to ask.
Their managed service offerings. Good value with consulting staff who are very knowledgeable qualified accountants that draw on their work from other customers to suggest best practice and put in place a good end solution.
Sometimes consultant availability is hard as they are tied up with other clients, which is a business risk if you rely on them as a managed service.
Start small in what you setup and then grow it over time. Consider their consulting in the setup so best practice structure is in place from the beginning.
Implementation of project management reporting to allow greater transparency on capital works.
Introduction of dashboard reporting to bring high level financial information closer to end users.
Ease of reporting, flexibility in format of reports and ability to view multiple sets of data in one view. Publishing of reports and the drill down to transaction level are all hugely beneficial. Integration of various types of databases to have a single
Writing of report sin excel takes some training and practice and sometimes the bugs are difficult to find. The web reporting could be improved to create a more dashboard type feel where high level financials can be summarized and shared easily in a user friendly format.
Speed of reporting more real time and month-end close, end user review of data, variance analysis, sharing of financial data, putting ownership of results and performance in the managers hands as opposed to waiting on reports to be distributed.
Sits on the MS BI stack, Excel integration, Slice and Dice Web Browser, MDX from Excel, Published reports from excel, Writeback from excel or web, Drill thru to Transaction (excel or web), Can publish excel graphs, In-cell charts, technical support is great, consultants great. The product is so functionally rich... eg the four different slices to excel you can do each with their own strengths. Really well thought out and intuitive product.
the name... What does it mean??? Hires publishing to PDF... not high res enough for people that like a page full of numbers (and I mean A3 page FULL OF NUMBERS)
No brainer... talk to me if you have any doubts
Budgeting, forecasting, modelling, Reporting!!!!, adhoc analysis. benefits => massive
Great product, and expert consultants who are knowledgeable, flexible and super-responsive.
Not having enough time to better use it.
Flexible product, easy to install, and is able to bring together data from a variety of sources to enable better business decision-making.
CALUMO is our key financial reporting tool, used for monthly and annual financial reporting, ad-hoc financial reporting, and annual and long-term financial planning and modelling. We have a detailed financial model for our annual operating budgets and the preparation process is significantly streamlined with CALUMO, and it is easy to slice and dice the reports as required by management and our board.
CALUMO is a very powerful tool that is enabling us to provide timely information to our various stakeholders. The visualisation provided by dashboards is very impressive
You need to have a fairly comprehensive understanding of how the system works in the background to get the most out of it.
You need to clearly understand what it is you are wanting to get out of a BI Tool
More timely information which is better presented and allowing us to customise information for cost centre managers through the sue of dashboards.
Easy to use
Drill through
Nothing - it's a great product.
Think beyond what you're doing now
Budgeting and forecasting; regular reporting
Used for reporting finance, research, HR, student, CRM and energy
UNSW have been using calumo for nearly 10 years. Over that time the product has matured and our use of has changed. Our user base is almost 5,000. User have information at their fingertips.
Customization and support when we get it.
Support takes a long time to resolve issues. It seems like we aren't a very high priority with Calumo, but when we do get resources allocated to us, it is very good.
Customization and ease of building reports is great.
Reporting financials and reporting KPIs to management. Higher visibility has solved many operational problems.
I like the ease of use of the product. The ability to use multiple dimensions ie slicing data in various ways. The product is agile and seems to cope with changing demands readily. On site support from Calumo consultants have also been extremely beneficial
We don't currently use the commentary input which would be of great use for us. Budgeting and forecasting capabilities are also not maximized. Can have issues with aspects depending on the type of browser utilized can be frustrating as well.
dynamic reporting, self service for non-finance staff
The flexibility in having multiple datasources in the one place, and being able to slice and dice things the way I want to.
Can be a little clunky especially when dealing with large volumes of data - might be down to a business implementation issue as opposed to the tool itself.
Implementation is key
Budgets, forecasts, analysis
Getting our financials with more information such as % of sales and drillability to GLs.
It takes a lot of time/money to get data in and going.
Its been great to get what we need for our executive team. We are still adding data/features to it.
Getting data to executives hands faster, better, and more accurate. Gives us different slices that we ask for such as department/country.
The flexibility and customisation of the program and the ability to automate tasks so that more time is spent on analysing rather than preparing
Our ERP system whose SQL integration solution was very flaky.
Engage with a good consultant and define scope of development priorities well.
Automation, Financial Controls, Robust Budgeting & Forecasting
user friendly and flexible view of the data
faster data view
easy to connect and easy to learn
dynamic and secure reporting
slicing and dicing can be improved
some of the functionalities are not easy to learn for the beginners
slicing and dicing of data across multiple dimensions and facts of the business
The vendor is continually improving the product.
More visibility of inbuilt budgeting and forecasting capabilities
Utilise the web version rather than the excel addin as much as possible
Annual budget creation and monitoring improving financial management. Daily reporting of funds spent and remaining for project reporting allowing quicker more efficient decisions.
Integration with MS-Excel, Dynamically expanding reports, ability to write-back and ease of use
Lack of visualisation tools and statistical capability
If your focus is mainly Financial information and reporting e.g. Budgeting, forecasting, GL reporting etc, Calumo is a very good tool. It doesn't have sophisticated visualisation tools like Tableau but it does financial information management really well.
Developed suit of dynamic self-help fund statements and financial reports. Main benefit is better customer satisfaction and time savings.
ease of use
excel add in
response time on refresh can be slow
needs more visualisation tools
efficient reporting
Ease of use and simple creation of web reports
Not much really - security model can be a little confusing (but that is common to most software solutions!)
End of of monthly financial reporting.
Budgeting and forecasting.
Reduction in headcount for reporting and also timeframe.


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Have you ever been in a training class where after about an hour or two you realize
KTech Software's instructors work in the real world with the technologies they teach. We also make sure our instructors have communications and education skills. We also only offer subjects we know backward and forward and prefer to work with a smaller set of hand-picked instructors that deliver a class of extremely high quality and depth.
If you take a training class with us and honestly know more than the instructor, we're not only going to refund you your money, we're going to ask you for your resume.
You might think this is a given because a technology class without hands-on exercises is almost unheard of. But if you don't get "hands-on" examples, you're just not going to learn the course content nearly as well. The only way to find out is to ask? Also ask how much of the class is hands on. With KTech's training classes, we keep it hands-on and practical. Each section of curriculum is followed up with exercises where students are encouraged to interact as they work real-world examples.
Since you're going to use the course material in the real world you should want to be more familiar with how a technology is used in the real world. A course that doesn't incorporate some realism likely won't help you when you get back to the office. KTech Software's courses use examples and exercises that utilize real world techniques and practices, just on a smaller scale as not to bog down the class. Our instructors also share their real life experiences as well in an effort to allow the student to connect the theory with the practice. Besides our standard course offerings, we'll work with you to customize courses to fit a your exact needs at your request. In these cases students truly "learn by doing".
Technology is always getting outdated. With each software release and/or new version of a programming language there are new features added, bugs/limitations that get resolved, and sometimes new issues that you need to be aware of. As a result, a course needs to keep pace with the industry standard. Ask your training provider:


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Separate names with a comma.
Discussion in 'Mac Basics and Help' started by benlangdon, Aug 17, 2008.
i have applecare.
i was going to go to the store yesterday but got to busy.
how many are there? i think apples policy is 5+ dead pixels in center area(not 100% sure). also, it depends on the genius
1 in the bottom lefthand corner 2 in. up, half in. in.
ya i just talked to apple care, i think its like 3 dead pixels,
w/e give genius bar a call.
kinda a pointless thread
Yes it is.


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- isiriserverAsked on February 14, 2012 at 01:09 PM
i saw this
but im not a coder, any way I can easily make my jotform with paypal use something to write to a database
- isiriserverAnswered on February 14, 2012 at 02:03 PM
i found it
- pinoytechAnswered on February 14, 2012 at 03:27 PM
Cheers!!! Thanks that you found the answer on your own.
Thank you for using JotForm! For further assistance, feel free to contact us.
- khrisellAnswered on July 05, 2013 at 12:05 AMGreetings!We are happy to announce that we have released Jotform Webhooks, this feature would replace Send Post Data + Custom URL Thank You Page workaround in order to help you transfer forms data to your own database using your own script codes.
To know more about Jotform Webhooks, please click here.
Thank you for using JotForm. :)


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My friends have been raving about Mercato Centrale at Bonifacio Global City since late last year, but it was not until yesterday that I actually got to check it out. Now my boyfriend and I want to make Mercato a weekend habit!
Wacky Bob's Bulalo (NOTE: The owners plan to come out with a "buzzing new name" soon, so stay tuned for that!)
We arrived around 11:30 a.m. It was a warm, sunny day but that didn't stop us from having some piping hot bulalo from Wacky Bob's. One order is good for two and served with rice.
Just thinking about it makes my mouth water. The beef was tender and flavorful, and the broth wasn't very oily. I usually don't have a lot of soup when eating bulalo because it's typically too greasy, but this was not. Needless to say, it was dangerously good.
Empire Macarons
You know how much I love macarons, so for dessert, we had Empire Macarons. We were too late, though--the only flavors left were strawberry and white chocolate! They were both really good, but the strawberry was a little too sweet for me. I wish they had more of the white chocolate and pistachio left. Next time we'll drop by early in the morning!
Maltesers Panna Cotta at Kenacotta was the cherry on top of our visit. It was a perfect combination of creamy but light panna cotta and a generous topping of Maltesers.
Iced lemon water with mint at Kenacotta
Kenacotta also sells iced lemon water with mint, which was very refreshing. If you plan to indulge your sweet tooth at Mercato, I recommend that you take a glass of this with you to cleanse the palate in between dessert stalls!
There are still so many other dishes and desserts we'd love to try. We'll definitely be back soon!
The CityLifeStylist


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Welcome to our library of articles! These are articles about all aspects of the home buying, selling, and owning process -- written by our agents and local professionals including lawyers, mortgage brokers, appraisers, contractors, home inspectors, and other real estate-related professionals.
You can filter articles by subject matter and by type using the left navigation bar.
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Amazing Caterers Brings A New Take on Texas Catering
Amazing Caterers pulls from its New York roots to create the perfect event catering options for those in Dallas, Texas.
721 Yoga Teaches a Holistic Approach to Health
721 Yoga can bring yoga to a private home, local park, or office. Owner Amber Villanueva is showing how the ancient practice is accessible to all.
Ballet Academy of Texas Is Building Careers One Dance At A Time
The Ballet Academy of Texas brings the joy of dance to students across the Coppell, Texas area.
The Actors Conservatory Theatre: Loving Literature From The Stage
The Actors Conservatory Theatre is a safe harbor for the youth of the Lewisville community to develop a love of literature in all senses of the word.
Spotlight Acting Academy Raises the Bar for Teaching Theater
Spotlight Acting Academy in Katy, Texas teaches young kids and teenagers the basic tenets of theatrical performance. Cast sizes are kept small to ensure a more enriching learning experience and one-on-one instruction by theater gurus.
Centre For Musical Minds Helps Students Find Their Musical Voice
The innovative music school inculcates a love of music in students of all ages. It helps them to find their own musical voices while providing a sound foundation of musical education.
Moonlight Cupcakes And Cream Delivers Rich Flavors In Richland Hills, Texas
At Moonlight Cupcakes and Cream, sweet dreams are fulfilled on a daily basis. Susan Holcomb and her daughter Whitney Crawford have teamed up to supply Richland Hills with the most delicious deserts in the area.
Kelvin Productions Provides Services That Ensure Milestones Endure Forever In Houston, Texas
Kevin Louie's entertainment production company Kelvin Productions shines in Houston, providing services and prices that remain unmatched.
All About Music And the Arts Is A Music School With A Mission
The goal of this music school is to make a musical education part of everyone's life, at any age. A wide range of classes and multiple opportunities for performance give students a rich and varied musical education.
Find Your Groove with Incredevents
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Gaius Julius Caesar, who lived from July 100 BC to March 44 BC, was one of the most accomplished of ancient leaders, playing a critical role in the transformation of the Roman Republic into the Roman Empire. In 60 BC he formed a military-political alliance with Gnaeus Pampeius Magnus and Marcus Lincinius Crassus known as the First Triumvirate. He became the first general to cross the English Channel by launching an invasion of Great Britain and the first to cross the Rhine when he built a bridge over it. The death of Crassus in 53 BC led to a political showdown with Pompey who, with the backing of the Roman Senate, ordered Julius Caesar to stand trial on various charges in 50 BC. His response was to march on Rome with a legion of soldiers, crossing the Rubicon in 49 BC. Pompey managed to escape to Egypt where he was assassinated. Politically unopposed, Caesar was appointed dictator by the Senate for two one year terms, then to a ten year term in 46 BC, and finally in February 44 BC as dictator for life. His life term lasted only one month. On March 15, 44 BC, as he appeared at a session of the Senate, he was attacked by approximately 60 Senators, stabbed 23 time and according to Shakespeare (among others) uttered his immortal words, "Et tu Brute?" before dying.
Is there a moral to this story? More than a few. In the context of spiritual journeys and church planting, "keep your friends close and your enemies closer," just not too close!
Politics played a big role in my decision to plant. From my entrance into Baptist Church life as a child until 1993, I had witnessed, participated in and been the victim of church politics. Whether it was annual, quarterly or monthly business meetings, the politics of church life were the bane of Kingdom work. Historically, such democratic processes were born of the need for an antidote to hierarchical religious life that had produced such structures as the Roman Catholic Church and the Church of England, where all power and authority was reserved for the "clergy" (a term that is unbiblical and personally detestable). While empowering every believer with a voice in church life, it also provided a forum for the least spiritual to set the agenda.
I planted because I wanted the freedom to pursue God's will without either having to ask for permission or apologize for having done so. Planting requires walking by faith, where, when and how it doesn't make sense. Why should I, with the gift of faith, be denied the exercise of it by a vote of those without it? While some vestiges of church life benefit from a popular vote, vision does not. Someone has describe the perfect balance as that of "benevolent despotism". A wise leader knows when and on what to vote on without giving up the responsibility incumbent on the position. I thought that I had figured it out.
In the beginning, God blessed, the ministry prospered, I was admired and respected and the people were happy. While there were a few who fell away, most weren't noticed or missed because they were replaced ten fold. One area that didn't prosper was in giving. Converted pagans have really messed up finances and require a while to give as they should. Consequently, we were never able to steal someone else's highly qualified leaders, but rather had to do the best we could with what we had when it came to staffing.
The first time it happened to me was in 2000 and the last time in 2010. You would think that the greatest dangers in Kingdom work would come from the enemies of the Cross. Such enemies can be people, circumstances or systems. What Gaius Julius Caesar discovered was that conspicuous enemies are more easily dispensed with because you know who and where they are. He was successful against every one of those. His undoing was among those who had declared him "dictator for life". Brutus, an assumed trusted friend, betrayed that trust to the dismay and demise of Caesar, hence the, "You too, Brutus?" Successful church planting brings out the best and worse in those who share the journey. There's nothing like a "vote by blade" to thrill the soul of a planter!


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contact me
i am available for direction, art direction, and design. i work with a couple different copywriters on a project by project basis. i also have a production company called denno productions which i use as a vector for producing the work i direct. visit that site. i am based out of los angeles.
email me at email@example.com with any questions. thanks!
follow my instagram picture boxes - twistless


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DNREC announces changes to Delaware's Green Energy Fund; JointGreen Energy Program for photovoltaic installations to launch August 4
DOVER (July 29, 2014) – DNREC's Division of Energy and Climate and the state's Sustainable Energy Utility (SEU) have announced the August 4 launch of the Joint Green Energy Program with the intention of increasing small-scale photovoltaic installations in Delaware through the state's Green Energy Fund. Other Green Energy Fund-related incentives and grant applications are being revised to become effective on the same date.
The Green Energy Fund helps Delaware homeowners, businesses, and non-profit organizations in the Delmarva Power & Light (DPL) service territory meet their energy needs in a more sustainable way through the installation of renewable energy systems, including solar photovoltaic, solar water heating, geothermal, and wind. Funding for the program is collected via a public benefit charge on DPL customer utility bills. Since 1999, the Green Energy Fund has supported more than 1,500 renewable energy projects in Delaware and helped Delaware emerge as a national leader in solar energy, contributing to a 30-fold increase in new solar capacity since 2008.
The Joint Green Energy Program is a partnership between DNREC and the Sustainable Energy Utility (SEU) designed to put more small scale photovoltaic (PV) installations in Delaware. While the DNREC Green Energy Program and the SEU Solar Renewable Energy Credit (SREC) program are independent, the joint program will benefit solar PV system owners by removing SREC price uncertainty while also reducing system pay-back time. The joint program also streamlines the application process by allowing applicants to apply for both the grant program and for SRECs by using a single online application portal.
The SEU is committing $1.5 million of Delaware's Regional Greenhouse Gas Initiative (RGGI) funds on an annual basis for two years to fund the SREC portion of the Joint Green Energy Program. SEU-RGGI funds will be used to buy SRECs in a single upfront payment of $0.45/watt in exchange for the first 20 years of SRECs produced by the system. The SEU SREC program is open to all Delaware-sited systems less than or equal to 50 kW in size, regardless of the customer's electric provider.
Also as of August 4, the Joint Green Energy Program will expand incentives for geothermal and solar water heating projects. The SEU is committing $1 million for two years to offer grants up to $200,000 for commercial and non-profit geothermal and solar water heating projects sited in Delaware.
Effective the same date, all Green Energy Fund grant applications for DPL customers and applications for the SEU SREC purchase program must be submitted online through the www.GreenGrantDelaware.com website. All program applicants and prospective applicants are encouraged to participate in a webinar that will be held Friday, Aug. 1. The webinar will answer any questions with the website as well as changes to the program. (Please note: The Green Energy Program grant application process for Delaware Electric Cooperative and the Delaware Municipal Electric Corporation customers will not change; however these customers are eligible to apply for the SEU's SREC program through the www.GreenGrantDelaware.com website.)
For more information on the Green Energy Fund, current incentives, and program rules, visit the Delaware Division of Energy & Climate's Green Energy Program website: http://www.dnrec.delaware.gov/energy/services/GreenEnergy.
Vol. 44, No. 262


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Creating Your First Post
Creating a post is easy! Just hover your mouse over the "Posts" menu on the left side of the Dashboard and click "Add New". Give your post a title, share your thoughts in the post body, and click the blue Publish button. That's it!
Post a Comment
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|Home | Members | Campaigns | GM Corner | Gallery | Fiction | Message Board | Reviews | Gaming Resources
The Members of The Company of Strangers:
Jodi Krangle
Jodi has been gaming since about the age of sixteen though it really only became a somewhat regular hobby when she was in her mid twenties. Having been involved in the gaming club at Ryerson (even though she never actually took classes at Ryerson), she participated in some of the early Pandemoniums when they were still being held there. That lasted a couple of years with some of those members splitting off into a splinter group that met regularly for a while. When Compuserve was popular, Jodi, who has always been heavily involved in the computer industry, was indirectly introduced to Dave Graham. The rest, as they say, is history.
Gaming has led to a lot of interesting things for Jodi throughout the years. She has always loved singing and writing songs. A chance meeting during a role playing game led her to meet Allison Durno and Debbie Ridpath Ohi, the three forming a folk group called Urban Tapestry. She's now been with the group for over twelve years and for as long as that, she's been involved in a fandom community called "filking" where Urban Tapestry plays the majority of its music. Urban Tapestry won an Aurora award in 2006 for "Best Fan Achievement (Other)".
In her "day job", she's a voice over talent with her own business: Piece of Cake Voice Overs & Vocals, working with clients all over the world to provide the voice for commercials, corporate videos and e-learning projects, phone systems, radio and TV imaging, and the singing voice for jingles. And in her copious free time (ha!), she is the creator and webmaster of a site devoted to songwriters called "The Muse's Muse Songwriting Resource", first put online in 1995. The site has won numerous awards in the more than ten years of its existence, including mentions in many popular print magazines and newspapers such as Acoustic Guitar, Keyboard, Billboard Magazine, The Wallstreet Journal and American Songwriter Magazine. Jodi and her husband live in Newmarket, north of the GTA.
Home | | Campaigns | GM Corner | Gallery | Fiction | Message Board | Reviews | Gaming Resources
©2008 thecompanyofstrangers.com


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Untreated Hearing Loss Is Common and Costly on the Job
Education & Research Employers can improve and safeguard employee health and productivity by encouraging hearing loss prevention and treatment.
Employers should be all ears when it comes to the impact of untreated hearing loss on the job. More than one third of U.S. employees suspect a hearing problem, but have not sought treatment. Almost all admit that their untreated hearing loss impacts them at work.
A common disruption
Some of the most common complaints are having to ask people to repeat what they said, misunderstanding what is said and pretending to hear when they cannot. These issues can interfere with productivity, make employees feel isolated or depressed and impact earnings. The Better Hearing Institute reports that individuals lose approximately $1,000 in annual household income for every 10 percent increase in hearing loss.
"Educating employees on hearing health and showing support for treatment will improve employee health and productivity, and help more people hear life to the fullest."
Despite the need for regular hearing exams to identify hearing loss early, when it can be treated more easily, less than one in four employees has had their hearing checked in the past two years.
Overcoming stereotypes
Many employees may view hearing loss negatively and resist wearing hearing aids as a sign of aging. Others are concerned with employer perception, and some simply cannot afford treatment.
The Center for Hearing and Communication lists the average cost of a hearing aid between $900 and $3,500. That's for only one ear. This high cost could be why only one in five people who would benefit from a hearing aid wear one.
Many employees also falsely believe that hearing aids are covered under most medical plans. Employers can offer hearing insurance as a specialty benefit, similar to vision and dental insurance. These plans can offer access to national networks of hearing professionals, plus substantial savings on hearing aids from major manufacturers for low monthly premiums. Offering hearing insurance can also show support for employees seeking hearing loss treatment to overcome any stigma concerns.
With the aging workforce and health issues, such as diabetes and obesity, that increase risk for hearing loss on the rise, employers will notice hearing health becoming a topic of increasing concern over the next several years. Educating employees on hearing health and showing support for treatment will improve employee health and productivity, and help more people hear life to the fullest.


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Sunday, March 9, 2014
Birthday Wishes....
17 comments:
this is gorgeous Lizzi.ReplyDelete
gr karin
Hi Lizzi I'll ask the teams if the want someone I already have 10 designers.ReplyDelete
But I'll will think about it because you make gorgeous cards.
I'll will let you know today or tommorrow.
And thank you for follow me.
gr karin
Absolutely, stunning! I love your vintage style.ReplyDelete
FABULOUS Lizzi!!! Such a truly lovely card!!ReplyDelete
Beautiful! Thanks for joining us at Magnolia-licious and hope to see you again next time!ReplyDelete
It's gorgeous! I really love the colors you've used. :)ReplyDelete
Stunning card Lizzi with such a perfectly coloured Tilda, love the frantage around her and your awesome design!ReplyDelete
I'm thrilled to be working alongside you on Simply Magnolia!
Hugs Nicola xxx
Stunning Card! I love the Design and the colours. Thanks for joining us at Tildas Town. Good luck!ReplyDelete
Hugs Frida
Your card is gorgeous Lizzy!ReplyDelete
Beautiful design:)
I usually use copics for the colouring when I'm using digis. I print them on special papers for Copic markers. That is working just fine. I havn't tried digis with distress ink yet.
Hugs, Heidi:)
What a beautiful card Lizzy!! Great layout, colours and fab embellies!! :)ReplyDelete
Thank you very much for joining us at Tildas Town this week.
Hugs Cinzia
beautiful card! love all those frontage & flowers, Tilda looks beautiful too. Thank you for joining us at Tilda's Town this week.ReplyDelete
hugs, shien shien
Oh my good! What an amazing card! Wonderful! ♥ReplyDelete
Thank you so much for joining us at A Creative Romance Challenge!
Hope to see you again!
Beautiful Card. Lovely colors and embellies. Thank you for sharing it with us at Tilda's Town. Hugs BabiReplyDelete
Lovely card, thanks for joining our DML challenge this time. Hugs, JeanetReplyDelete
Stunning! Looove the Frantage! Beautifully coloured and your Embellies are Gorgeous!ReplyDelete
oh I loveeeee it!!! everything on your card so sweet beautiful!ReplyDelete
Thank you for joining us at MDUC and hope to see you again :)
Hugs, Yulis
Such a pretty card you have made for mduc this week! Thanks for joining!ReplyDelete


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His profile on the BLAZE website states that he's "one of Kenya's most outstanding young entrepreneurs," and was born in Kitale, Kenya over 30 years ago. Of course the fact that he's an outstanding entrepreneur is not in doubt. For he has several awards (if those can be used as a true measure of one's entrepreneurial success) to prove it.
Trushar Khetia, the founder and CEO of Tria Group & Tria Transit Media (an outdoor branding and advertising firm) and Society Stores (retail supermarkets chain) has been named as a Forbes Africa 30 under 30 Entrepreneur – 2016; was an AABLA (All Africa Business Leaders Awards) – East Africa Finalist in 2016; was among Forbes – Africa's 30 Most Young Promising Entrepreneurs -2015 & 2016; Business Daily – Top 40 Under 40 Men in Kenya- 2014/15; winner of the Fortis Bank Prize of £1000 (having emerged top in Accounting) and was recognized in the 'Ed Excel High Achievers' Award for emerging top in A-Level Economics in Kenya. That is all good and commendable.
(TOP: Trushar Khetia, one of the BLAZE BYOB judges, poses for a photo after being named among Business Daily's 'Top 40Under40Men' in 2015. The caption on the photo reads: "The winning pose that made it to the front cover of Business Daily". Photo: Trushar Khetia's Facebook page).
When Safaricom, through its youth focused sub-brand, BLAZE, launched a youth entrepreneurship TV show called BYOB (Be Your Own Boss) in January this year, Trushar Khetia was named as one of the three judges. The two other judges are radio host Caroline Mutoko and musician Kennedy Ombima (aka Rabbit).
Things have been looking up for Trushar, for it's been up and up for him, but not for his staff. In June this year, staff at Tria Group noticed that they were not paid on time. For the first time, salaries were delayed with no explanation from management. This has persisted for the past 5 months, up to now.
Even though the accountant does his best to prepare the payroll in time, he can't do much as it's Trushar who authorises payment. The fact that they're paid late means that the Tria employees have had to part with late payment fees when remitting rents, an issue which seems to have been lost on the management. The situation is so bad that even getting petty cash to deliver orders to clients is a problem. Today is November 9 and the staff are yet to get their October salaries, a situation that wasn't there in the past.
And now, it seems late payment of salaries doesn't just affect Tria staff alone but has spread to Society Stores employees as well.
Apparently, the salaries for both Tria Group and Society Stores are now being processed by a single entity, unlike in the past where the two were processed separately.
Staff of both companies are now complaining that Trushar seems to be more concerned about getting media interviews and building his personal brand and image – to the extent of even flying in international TV crews to interview him – while paying no attention to their well-being.
Again, there are rumours that Trushar plans to set up another Society Stores outlet in Mombasa, expanding the chain beyond Kitale and Thika. This has led staff to wonder whether he's hoarding the available cash – and not paying them in time – to enable him use the funds for the planned expansion.
Now, Trushar – as one of the BYOB judges – mentors young people on how to be successful and responsible entrepreneurs. Doesn't being a successful and responsible entrepreneur also mean paying staff on time?


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I got to my Mum and Dads house and we were chatting about stuff for this afternoon and things like that.
All of a sudden a furry tail appeared out of the bottom of the curtain – now my dad likes his practical jokes so for a matter of seconds it crossed my mind that it was a joke and the punch line would come soon.
Then the tail disappeared under the board at the top of the curtain.
My Dad went and wiggled the curtain and I got this picture. The squrriel charged at the window to try and get out but the window was closed. So it backed up on itself and ran up the curtain.
My Dad moved the curtain and the squrriel dropped on the floor and it ran behind the chair and across my feet it ran for the door but ran into the door instead as my Mum had closed it. My Mum stood there really calm (I half expected her to scream or at least freak a little bit).
The squrriel ran behind the sofa and either got stuck or decided that there was safe enough to catch it's breathe.
Dad shouted out instructions to close the doors to other rooms and then open the front door on his cue (or should that be on his mark seeing as we're watching Star Trek Nemesis).
Mum went out into the hall way and shut the downstairs doors. She also got my brother to shut the upstairs doors in case the squrriel charged upstairs or something. I stood in the hall way ready to open the living room door
Dad moved the sofa and the squrriel got spooked it ran for the open living room door and then past me but ran towards the kitchen did a U turn realizing the front door was open and went for it.
Bit of team effort!!! Woop woop!!


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Casino gambling not likely in MA
Gov. Deval Patrick has been pushing the idea of casino gambling pretty much since he was elected. It looks like, as of this week, the bill is going to die. I'm quite pleased. I understand how tempting all that revenue is. Especially since so many of our constituents go next door to gamble. But Patrick's figures depend on a huge increase of gambling losses for Mass residents. I can attest to the the societal and familial devastation this will have- not a loss that can be made up for with that increase in revenue.
Speaking to the issue on a spiritual level: The South East Asian community is ravaged by gambling. I am convinced there is a demonic stronghold on them making them vulnerable to this sin. It's nothing that Jesus can't defeat. But given the percentage of S.E. Asians in my city- the revenue tempting our legislatures would never be able to undue the destruction. Thankfully, our local representatives are leaning against MA casinos. I'll email them to encourage that.


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стр. 29
FIGURE 4.14 Nominal, forward, and option-adjusted spreads.
However, there can be very different option-related dynamics between
a bundle of mortgages packaged into a single security (called a mortgage-
backed security, or MBS) and a callable bond. Indeed, there are a variety of
structure types between a callable bond and an MBS. The variations can be
explained largely by option-related differences, as shown next.
An MBS is comprised of a portfolio of individual mortgages that are pack-
aged together into a single security and sold to investors. The security is a
coupon-bearing instrument, and it has a principal component as well. The
funds used to pay the coupons of an MBS come directly from the monthly
interest payments made by homeowners. The payments made by home-
owners are passed through a servicing agent, who sends along appropriate
payments directly to holders of the MBS. Accordingly, an MBS is sometimes
called a pass-through security (or pass-thru), or an asset-backed security since
its cash flows come from a bundle of assets (namely the home mortgages
that are bundled together). An MBS also is sometimes called a securitized
Financial Engineering
asset, for the same reason. All else being equal, investors like the idea of a
bond that is physically backed by (supported by) assets that they can ana-
lyze and understand. In contrast with a more generic bond (debenture) that
is backed by an issuer's overall credit rating or general financial standing,
an asset-backed security provides investors with things they can "touch and
feel"—not in a literal sense, but in the sense of bringing some form and def-
inition to what they are buying.4
When homeowners make their monthly mortgage payment, a portion
of that payment goes to paying the interest on the mortgage and a portion
goes to paying the principal. In the early phase of the typically 30-year mort-
gage life, the largest portion of the monthly payment goes toward payment
of interest. A growing portion of the monthly payment goes toward princi-
pal, and in the same way that interest payments are passed along to MBS
holders as coupons, principal payments are passed along to MBS holders as
principal. Herein lies a key difference between a traditional bond and a tra-
ditional pass-thru; the former pays 100 percent of its principal at maturity,
while the latter pays out its principal over the life of the security as it is
received and passed along to investors. Payments of principal and interest
may not always be predictable; homeowners can refinance their mortgages
if they want to, which involves paying down the principal remaining on their
existing mortgage. This act of paying off a loan prior to its natural matu-
rity (even if the purpose is to take on a new loan) is called prepaying, and
prepayments can be attributable to many things, including a sudden decline
in interest rates5 (so that investors find it more cost-effective to obtain a new
lower-cost loan), a natural disaster that destroys homes, changes in personal
situations, and so forth.
Most MBSs are rated triple A. How is this possible unless every home-
owner with a mortgage that is in the bundle has a personal credit rating that
is comparable to a triple-A profile? One way to achieve this is by overcollat-
eralizing (providing more collateralization than a 1:1 ratio of face value of
security relative to underlying asset). The MBS is collateralized (backed by)
mortgages. To overcollateralize an MBS, the originator of the MBS puts in
more mortgages than the face value of the MBS. For example, if originators
want to issue $10 million face amount of MBS that will be sold to investors,
they put more than $10 million face amount of underlying mortgages into the
Some larger investors do actively request and analyze detailed data underlying
various asset-backed instruments.
This decline in interest rates gives value to the long call option that homeowners
have embedded in their mortgage agreement; the option (or choice) to refinance the
mortgage at a lower rate has economic value that is realized only by refinancing
the existing mortgage to secure new and lower monthly payments.
bundle that comprises the MBS. Accordingly, if some homeowners happen to
default on their mortgages, the excess supply of mortgages in the bundle will
help to cover that event. Another way that MBS products are able to secure
a triple-A rating is by virtue of their being supported by federal agencies. The
three major agencies of the United States involved with supporting mortgages
include Ginnie Mae, Fannie Mae, and Freddie Mac.6 The key purpose of these
governmental organizations is to provide assurance and confidence in the mar-
ket for MBSs and other mortgage products.
Table 4.3 summarizes key differences between an MBS and a callable
The most dramatic differences between MBSs and callable bonds are that
the options embedded with the former are continuous while the single option
embedded in the latter tends to be discrete, and the multiple options within
an MBS can be triggered by many more variables.
Figure 4.15 shows how an MBS's cash flows might look; none of the
cash flow boxes is solid because none of them can be relied on with 100
percent certainty. While less-than-100% certainty might be due partly to the
vagaries of what precisely is meant by saying that the federal agencies issu-
ing these debt types are "supported by" the federal government, more of the
uncertainty stems from the embedded optionality. Although it may very well
be unlikely, it is theoretically possible that an investor holding a mortgage-
backed security could receive some portion of a principal payment in one
of the very first cash flows that is paid out. This would happen if a home-
TABLE 4.3 MBS versus Callable Bond Optionality
Mortgage Callable
Callability Continuous Discrete (sometimes continuous)
Call period Immediately Eligible after the passage of some time
Call trigger Level of yields Level of yields, other cost considerations
Homeowner defaults
Homeowner sells property
for any reason
Property is destroyed as
by natural disaster
Ginnie Mae pass-thrus are guaranteed directly by the U.S. government regarding
timely payment of interest and principal. Fannie Mae and Freddie Mac pass-thrus
carry the guarantee of their respective agency only; however, both agencies can
borrow from the Treasury, and it is not considered to be likely that the U.S.
government would allow any of these agencies to default.
Financial Engineering
Cash Flow
p2 p4 p6 p8 p 719
p1 p3 p5 p7 p 720
O Time
FIGURE 4.15 MBS cash flows over time.
owner decides or is forced to sell the home almost immediately after pur-
chase and pays off the full principal of the loan. In line with what we would
generally expect, principal payments will likely make their way more mean-
ingfully into the mix of principal-coupon cash flows after some time passes
(or, in the jargon of the marketplace, with some seasoning).
How can probabilities be assigned to the mortgage product's cash flows
over time? While we can take the view that we adopted for our callable
debenture—that at the start of the game every uncertain cash flow has a
50/50 chance of being paid—this type of evenly split tactic may not be very
practical or realistic for mortgage products. For example, a typical home
mortgage is a 30-year fixed-rate product. This type of product has been
around for some time, and some useful data have been collected to allow
for the evaluation of its cash flows over a variety of interest rate and eco-
nomic environments. In short, various patterns can and do emerge with the
nature of the cash flows. Indeed, a small cottage industry has grown up for
the creation and maintenance of models that attempt to divine insight into
the expected nature of mortgage product cash flows. It is sufficient here
merely to note that no model produces a series of expected cash flows from
year 1 to year 30 with a 50/50 likelihood attached to each and every pay-
out. Happily, this conforms to what we would expect from more of an intu-
itive or common sense approach.
Given the importance of prepayment rates when valuing an MBS, sev-
eral models have been developed to forecast prepayment patterns. Clearly,
investors with a superior prepayment model are better equipped to identify
fair market value.
In an attempt to impose a homogeneity across prepayment assumptions,
certain market conventions have been adopted. These conventions facilitate
trades in MBSs since respective buyers and sellers know exactly what
assumptions are being used to value various securities.
One commonly used method to proxy prepayment speeds is the constant
prepayment rate (CPR). A CPR is the ratio of the amount of mortgages pre-
paid in a given period to the total amount of mortgages in the pool at the
beginning of the period. That is, the CPR is the percentage of the principal
outstanding at the beginning of a period that will prepay over the follow-
ing period. For example, if the CPR for a given security in a particular month
is 10.5, then the annualized percentage of principal outstanding at the begin-
ning of the month that will repay during the month is 10.5 percent. As the
name implies, CPR assumes that prepayment rates are constant over the life
of the MBS.
To move beyond the rather limiting assumption imposed by a CPR—
that prepayments are made at a constant rate over the life of an MBS—the
industry proposed an alternative measure, the Public Securities Association
(PSA) model. The PSA model posits that any given MBS will prepay at an
annualized rate of 0.2 percent in the first month that an MBS is outstand-
ing, and prepayments will increase by 0.2 percent per month until month
30. After month 30, it is assumed that prepayments occur at a rate of 6 per-
cent per year for all succeeding months.
Generally speaking, the PSA model provides a good description of pre-
payment patterns for the first several years in the life of an MBS and has
proven to be a standard for comparing various MBSs. Figure 4.16 shows
theoretical principal and coupon cash flows for a 9 percent Ginnie Mae MBS
at 100 percent PSA. When an MBS is quoted at 100 percent PSA, this means
that prepayment assumptions are right in line with the PSA model, above.
An MBS quoted at 200 percent PSA assumes prepayment speeds that are
twice the PSA model, and an MBS quoted at 50 percent PSA assumes a
slower prepayment pattern.
9% 30-year Ginnie Mae, 100% PSA
140 Interest
120 Principal
60 120 180 240 300 360
FIGURE 4.16 The relationship between pay-down of interest and principal for a pass-
Financial Engineering
Another important concept linked to MBS is that of average life. As
depicted in Figure 4.17, average life is the weighted average time to the return
of a dollar of principal. It is often used as a measure of the investment life
of an MBS and is typically compared against a Treasury with a final matu-
rity that approximates the average life of the MBS. In short, it is a way to
help fence in the nature of MBS cash flows to allow for some comparabil-
ity with non-pass-thru type structures.
Since the principal or face value of an MBS is paid out over the life of
the MBS and not in one lump sum at maturity, this is reflected in the price
formula provided below. Accordingly, as shown, the MBS price formula has
an F variable alongside every C variable. Further, every C and every F has
its own unique probability value.
C p1&F p2 C p3&F p4
11 11
C p5&F p6
стр. 29


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Non-musculoskeletal Disorders
The conclusion of an independent Commission of Inquiry in New Zealand is not only endorsed by the chiropractic profession but is what we practice at Shirley Rd Chiropractic. The Commission found that "where there are organic and/or visceral symptoms chiropractic treatment may provide relief, but this is unpredictable, and in such cases the patient should be under concurrent medical care..."
There are no large double-blind controlled studies testing the effects of chiropractic on non-musculoskeletal conditions available.
- Fitz-Ritson, D. (1991) Assessment of cervicogenic vertigo. J. Manip. Physiol. Ther. 14: 193-198.
- Bracher, E., Bleggi, C., Almeida, C. et al. (1999) A combined approach for the treatment of cervical vertigo. Proceedings of the 5th Biennial Congress of the World Federation of Chiropractic. P154-155.
- Lewit, K. (1991) Manipulative therapy and rehabilitation of the locomotor system. 2nd ed. Oxford, England: Butterworth-Heineman. p273.
- Lewit, K. (1975) Ein fall von auftahrunfall. Manuelle Medizin. 13: 71.
- Rychlikova, E. (1975) Schmerzenim gallonblazan bereich auf grund vertebragener storungen. Deutsches Gesundheitswesen. 29: 2092.
- Pikalov, A.A., Vyatcheslav, V.K. (1994) Use of spinal manipulative therapy in the treatment of duodenal ulcer: a pilot study. J. Manip. Physiol. Ther. 17: 310-313.
- Kunert, W. (1965) Functional disorders of internal organs due to vertebral lesions. CIBA Symposium. Bonn: University Medical Polyclinic. 13 (3).
- Sato, A. & Swenson, R.S. (1984) Sympathetic nervous system response to mechanical stress of the spinal column in rats. J. Manip. Physiol. Ther. 7: 141-147.
- Budgell, B, Hotta, H, Sato, A. (1995) Spinovisceral reflexes evoked by noxious and innocuous stimulation of the lumbar spine. JNMS 3: 122-131.
- Kokjohn, K., Schmid, D.C. et al. (1992) The effect of spinal manipulation on pain and prostaglandin levels in women with primary dysmenorrhea. J. Manip. Physiol. Ther. 15: 279-285.


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SATHYA KANNAN GNANAVADIVEL via Crowdrise
January 05, 2013
I am working as a lecturer in a private polytechnic college. i want to create a natural,, See more
BENEFITING: The Nature Conservancy
EVENT: Mozilla Firefox Challenge
The Team: $0 TOTAL RAISED SO FARJOIN THE TEAM
Want to help Fundraise or Volunteer for this amazing Fundraiser? Join the Team


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- Furniture
- Mattresses
- Appliances
- Shop By Brand
Welcome to our website! As we have the ability to list over one million items on our web site (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our web site.
However, if you are an American with a disability we are here to help you. Please call our disability services phone line at 785-273-6278 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our web site, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for any American with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.
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Bastards! That what the followers of the White Christ are! Bastards! They eat their own God- eat his flesh and drink his blood! Abominable! They hate us and want us dead. Pray to the Gods to protect you- We have many Gods; they have only one.
Palace of Tears.
"We achieved power, held onto it, and enjoyed it ruthlessly to the fullest. We made wars, suppressed or exterminated peoples, and always imposed our will without mercy. There was no one who could stand up to us. We committed atrocities that make all history sound like children's tales, atrocities for which language has no words and which no mind can imagine. And nobody ordered us to stop. We waded through blood up to our hips, and no bolt of lightning struck us down. We stacked up skulls into heaps, and no higher power intervened. So we concluded that we ourselves were gods." (pp. 195, Andreas Eschbach)
It is a strange and lucrative business impeaching upon others with no set understanding or direction.
I am an illustrator and lover of all things literary based and beyond. Here splayed on these walls you will find rattlings from my many of my own drawing journals; inspirations from the void prospect and a collection of meandering thoughts or quotes from distant novels/novellas/poems/speeches and other such nonsense.


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Project Overview
Roland Corporation is a leading manufacturer and distributor of electronic musical instruments. Since the early 1980s, the brand has truly shaped the sound of modern music and has set standards in music technology. BPM Media Group partnered with the iconic brand in order to continue this legacy and attract a new generation of musicians, DJs and producers.
- UI / UX Design
- Website Development
- JavaScript / AJAX
- Access Code Generator
The Challenge
Roland has recently found a need for a resurgence of their brand and a tangible approach to reaching a new generation of DJs. We understood that their iconic logo would need to remain as the focal point of their branding, but there was a distinct need for innovative and strategic marketing in order to push the brand forward in a competitive marketplace. BPM Media Group presented a unique offering that would benefit both the Roland Corporation as well as their valued customer base.
The Solution
We recognized a clear opportunity to reach prospective Roland customers in the DJ and production industry. By offering exclusive memberships for BPM Supreme's record pool, newly registered Roland DJ controller customers were given direct access to top-quality music. DJ Controller sales increased and a mutually beneficial opportunity was created for Roland, BPM Supreme, and most importantly, DJs and producers looking to purchase a Roland product.
Microsite Development
The execution of the partnership was done largely through the creation of a dedicated microsite. We felt this would best boost Roland's web engagement and overall impressions. With a responsive and intuitive design, the microsite was easily viewable on both desktop and mobiles. The visual identity of the pages combined both a balance between Roland's iconic look and feel, and a "top of the line", modern aesthetic.


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Tuesday, February 26, 2013
We aim to please in this kitchen. Well, sort of. I did one of those "what's in fridge, let's cook it, and hope it's edible" meals. I had crescent rolls and a bunch of random stuff that didn't appear to have mold growing on it. So I made three different types of hot pockets with crescent rolls on the bottom, then filling, then crescen rolls on top (pinched together). The kids got chicken, cream cheese, and swiss cheese. I got chicken, pepper jack cheese, black bean salsa, and spinach. Steve got chicken, cream cheese, pepper jack cheese, and pepperoni. I baked it with butter/egg mix on top with oregano and crossed my fingers. To my surprise, we all liked our hot pockets.
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Established in 1985 Omniscient IT Solutions Pvt. Ltd. was launched as Software Development & Data processing Company. TOMCO (Tata Oil Mills Ltd.), HLL (Hindustan Lever Ltd), Scooters India Ltd., NAFED etc were the initial Clients. Software eg. Payroll, Inventory, Billing etc were developed for the Data processing of Multiple Companies who could not have IT Setup of their own. Initially COBOL and Later FOXPRO & Clipper was mostly used for the Development purpose. We specialized in Customized Software Development and our USP was Client Satisfaction in terms of Good quality service at Low cost.
Today we have expanded our horizon to almost all the areas of IT services, making Omniscient IT Solutions Pvt. Ltd. , a TOTAL IT SOLUTIONS Company who provides IT Solutions from a single window.
The company is headed by Mr. Rajesh Pandey, IT Consultant having experience of more than 27 years in the field of IT. An engineering Graduate and an MBA by qualification he has many achievements to his credit. However the best according to him is the reputation that he has earned over a period. He is known as a Professional you can depend upon & is respected for his commitments.
The team OCC consists of group of Professionals, who are highly qualified, experienced & equipped, at the same time dedicated and result oriented, that's the way OCC operates.
Tie-ups with reputed Organizations & Consortium of Associates, working on diversified fronts, give us an edge over the Competition in the field, in terms of wide range of services that we at OCC offer as well as the better cost control that we have.
Recognitions :
Our customer retaining power is our Major recognition. Client's repeat Business with us gives the unmatched recognition of our Value oriented Service & our fair approach. Client's who came to us in 1987 are still with us. Many of them keep giving repeat business and appreciate our services through word of mouth.
Partners :
• We are Reseller Channel Partners with HP, IBM, AMD.
• Solution Partners with AGILE LABS, Bangalore.


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Left Atrial Appendage Closure Device
The WATCHMAN is a one-time procedure with people with Atrial Fibrillation (AFib) not caused by a heart valve problem who need an alternative to long-term blood thinners. This procedure is performed by a board-certified cardiologist from Capital Cardiology Associates.
How WATCHMAN Works
WATCHMAN effectively reduces the risk of stroke by permanently closing off the LAA to keep blood clots from escaping. WATCHMAN can eliminate the bleeding risks and regular blood tests and food-and-drink restrictions that come with warfarin. In a clinical trial, 9 out of 10 people were able to stop taking warfarin just 45 days after the WATCHMAN procedure.
Left Atrial Appendage
More than 90% of stroke-causing clots that come from the heart are formed in the LAA.
Blood Thinner Alternative
WATCHMAN is a permanent implant that offers an alternative to the lifelong use of blood thinners.
How WATCHMAN Works
WATCHMAN effectively reduces the risk of stroke by permanently closing off the LAA to keep blood clots from escaping.
Implant Procedure
The WATCHMAN is designed to permanently close it off and keep those blood clots from escaping.
After the Procedure
Your doctor will then prescribe a medicine called clopidogrel (also known as Plavix ® ) and
aspirin for you to take for six months. After that, you'll continue to take aspirin on an
ongoing basis. A very small number of patients may need to keep taking blood thinners
long term.
In a Clinical Trial just 45 days after the procedure:
Patients were able to stop taking warfarin
In a Clinical Trial within 1 year after the procedure:
of patients were able to stop taking warfarin
Is the WATCHMAN right for your?
If you have a history of bleeding or a lifestyle, occupation or condition that puts you at risk for bleeding, WATCHMAN may be right for you. But like any medical procedure, WATCHMAN comes with risks, so it isn't right for everyone. Your cardiologist will weigh your risk of a stroke against your risk of a serious bleeding problem to determine the right treatment for you.
Hear from a WATCHMAN Patient
Marjorie had a hemorrhagic stroke while taking blood thinners and needed an alternative treatment to reduce her AFib stroke risk. See how WATCHMAN gave her new hope.
See how the WATCHMAN Implant gave Bill an alternative to blood thinners and helped him enjoy more time out in the garden and walking his rescue greyhound.
Missing out on the joys of life was not an option for Jerry and Ann Poston. That's why the husband and wife duo opted to switch from daily blood thinners to WATCHMAN, a one-time procedure that reduces their risk of AF stroke.
Getting WATCHMAN
The first step to finding out if you're a candidate for WATCHMAN is making an appointment with your cardiologist to discuss your options.
Meet Your WATCHMAN Team
Click on below to learn more about each board-certified cardiologist.
Important Safety Information
The WATCHMAN Device is a permanent implant designed to close the left atrial appendage in the heart in an effort to reduce the risk of stroke.
With all medical procedures there are risks associated with the implant procedure and the use of the device. The risks include but are not limited to accidental heart puncture, air embolism, allergic reaction, anemia, anesthesia risks, arrhythmias, AV (Arteriovenous) fistula, bleeding or throat pain from the TEE (Trans Esophageal Echo) probe, blood clot or air bubbles in the lungs or other organs, bruising at the catheter insertion site, clot formation on the WATCHMAN™ Closure Device, cranial bleed, excessive bleeding, gastrointestinal bleeding, groin puncture bleed, hypotension, infection/pneumonia, pneumothorax, pulmonary edema, pulmonary vein obstruction, renal failure, stroke, thrombosis and transient ischemic attack. In rare cases death can occur.
Be sure to talk with your doctor so that you thoroughly understand all of the risks and benefits associated with the implantation of the WATCHMAN Device.
National Stroke Association. Making the Afib-Stroke Connection. https://www.stroke.org/sites/default/files/resources/Afib-Connection%20for%20hcp.pdf. Published 2012. Accessed September 1, 2016.
Harvard Health Publications. Atrial fibrillation. http://www.health.harvard.edu/heart-health/atrial-fibrillation-common-serious-treatable. Harvard University Medical School. Published November 2011. Accessed August 25, 2016.
Blackshear JL, Odell JA. Appendage obliteration to reduce stroke in cardiac surgical patients with atrial fibrillation. Ann Thorac Surg. 1996;61:755-759.
Cleveland Clinic. Atrial fibrillation (Afib). http://my.clevelandclinic.org/services/heart/disorders/arrhythmia/atrial-fibrillation-afib. Published May 2015. Accessed August 25, 2016.
National Stroke Association. Making the Afib-Stroke Connection. https://www.stroke.org/sites/default/files/resources/Afib-Connection%20for%20hcp.pdf. Published 2012. Accessed September 1, 2016.
Holmes DR Jr, Kar S, Price MJ, et al. Prospective randomized evaluation of the Watchman Left Atrial Appendage Closure device in patients with atrial fibrillation versus long-term warfarin therapy: the PREVAIL trial. J Am Coll Cardiol. 2014;64(1):1-12.


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How to do itEdit
Ever wanted this snazz in your font?
Look no further!
So, this is what it looks like: text shadow
Coding: text shadow
You can also add Hex Codes to it to make different colors! Awesome, right?
But if I add Hex Coding to it...
It will look like a different font.
You see the bolded part that says "text-shadow: 0px 3px 3px;">text-shadow? Those are the values. It is quite better to know their use. You see the left one? That one defines if the shadow goes left or right. Making it increase sends the shadow to the right. Using negative numbers, as in -50, will make it go left/backwards.
The second value is the one that defines how down/up it goes. If you do 0, it's just and outer glow for the text. Making it increase makes the shadow go down. Using negative numbers will make it go up and above the text rather than down.
The third/final value, defines how blurred the shadow is. A 0 makes it a carbon copy of the text. Increasing it makes it super blurred but visible. 100 and above is to the point it is barely visible.


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Best Place to Visit in Bhuj Part – 4
Vande Mataram Memorial
India's 1st 4D memorial dedicated to Indian Freedom Struggle.
Bhujodi , Kutch-Gujarat
The Vande Mataram Memorial is the latest and one of Ashapura's most ambitious offering to the society and to the nation. This is unique national monument and perhaps the only kind in the world and Best Place to Visit in Bhuj.
It seeks to immortalize the most momentous episodes in India's freedom struggle from the revolt of 1857 right up to the country's Independence in 1947.
The memorial complex is situated near Bhuj in Kutch,one of Best Place to Visit in Bhuj Gujarat over 10 acres of land; the primary structure of the museum admeasuring over 100,000 square feet is modelled on the likeness of the "Sansad Bhavan" (the Indian Parliament Building).
It was constructed over 4 years with a mélange of inputs from prominent historians, architects, sculptors and artists
The Memorial seeks to commemorate the sacrifices of several freedom fighters and to perpetuate the spirit of unity and independence
In the hearts and minds of posterity by enshrining the most crucial episodes of India's freedom struggle from British rule.
such as the first rebellion of 1857, Jallianwala Baugh, Simon Commission, Dandi March, Quit India Movement etc.must see this Best Place to Visit in Bhuj
Hiralaxmi Memorial Craft Park
Hiralaxmi Craft Park is situated at Bhujodi Best Place to Visit in Bhuj. is spread over 10 acres of land. The park is accessible to the general public free of cost since its opening on December 18, 2005. Apart from a well established and organized forum to display and sell their wares.
The artisans are provided with meals, boarding, lodging at free of cost and a daily stipend during their stay at craft park and make it Best Place to Visit in Bhuj
In order to provide exhibition and display opportunity to all art forms and artisans.
A time table based on monthly rotation of artists has been worked out. The response from the artisans as well as the visitors has been overwhelming. The park receives on an average 4000 visitors every week.
The Craft Park has already evolved into a learning center and a source of information for students, surveyors and NGOs. Recently
An independent NGO named Ashapura Bahuvividha Trust conducted survey on the Arts of Kutch and commended the Hiralaxmi Craft Park for encouraging and sustaining this invaluable park of culture of Kutch.
The students of NIFD have had a work here. The students of faculty of Social work are pleased to study field work with this park. In order to invite more footfalls at the park, there are electronic rides for children and a cafeteria. A beautiful Radha-Krishna temple and a lotus pond add to the ambience of the craft park.So all age group person can enjoy at this Best Place to Visit in Bhuj


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Press Releases
InnoTech Month 2017: Introducing "InnoForce" to promote innovation culture to community
The Innovation and Technology Commission (ITC) today (September 30) launched the InnoTech Month (ITM) 2017 with a range of exciting activities to promote a culture of innovation and technology (I&T) to the community.
To commemorate the 20th anniversary of the establishment of the Hong Kong Special Administrative Region, the ITM 2017 has specially designed a promotional truck – "InnoForce". "InnoForce" will go around the territory for two weeks (from today to October 13), allowing members of the public to better understand "Robotics", "Smart Living" and "Healthy Ageing" and how I&T could improve their daily life through trying out the fun-filled virtual reality (VR) game and activities on the truck.
"InnoCarnival 2017", which is the anchor event of ITM 2017, will be held at the Hong Kong Science Park from October 21 (Saturday) to October 29 (Sunday). Carrying the theme of "Live Smart.Be Innovative", the event will provide an opportunity to the public to appreciate an array of creative inventions and research achievements of local universities, Research and Development centres, professional bodies and technology institutions in a range of activities such as exhibitions, workshops, seminars, guided tours and so on. McMug will continue to be the ambassador for this year's InnoCarnival. All activities are free of charge; and members of the public are invited to join.
The InnoCarnival 2017 is organised by the ITC with the support of Hong Kong Federation of Youth Groups and the Hong Kong Science and Technology Parks Corporation as campaign partners and another some 70 programme partners. For details on the programmes and enrolment for the activities, please visit www.itm.gov.hk or contact the Hong Kong Federation of Youth Groups by calling 2561 6149 or emailing firstname.lastname@example.com.
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Take the first step
To find out more about how we can help you grow faster, please get in touch. We'd like to hear from you. Or try our instant marketing healthcheck, it's free!
February 2010
- 21 Feb
Which way to vote? Finding the party for small business.
I am a floating voter.I can't ever recall having been so interested in the outcome of an election and my vote is there for the taking by the party that can convince me that it is the party for...
- 13 Feb
Why most marketing fails
If I had a pound for every time I'd heard someone say: "we tried marketing once and it didn't work", I could have retired long ago.Not only does the phrase betray a lack of understanding of what...
- 03 Feb
Real Business #2 - Henry Kaye
Real Business is a series of posts that analyses the marketing opportunities and challenges of real businesses in the South East. The articles are also appearing in The Courier.Sevenoaks-based Henry...


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J S Wright takes pride in the fact that we employ Technical and Craft Apprentices every year in order to maintain and provide stability for the future growth of the business.
In 2007 the "J S Wright Academy" was setup for all apprentices and includes an annual two day "getaway" allowing time for the apprentices to get to know each other. The getaway also includes workshops with a focus on working methods and technical training. During the two days, the apprentices also get to participate in team building exercises and activities such as kayaking or quad biking.
Since 2007, our Academy has attracted over 40 young people to the Building Services Industry.
We offer a sustainable career opportunity for our apprentices. Currently two of the existing board directors began their careers as apprentices with J S Wright along with three Associate Directors, illustrating the vision for promotion from within.