text:
Not sure how to uninstall The Cross Formula on your Mac? Or cannot totally remove its files from the computer? Sometimes it is a hassle for the people to erase the program on the macOS, and the following removing instructions will be helpful for those who want to complete remove The Cross Formula on their Macs.
Although more and more people in nowadays using the Mackintosh computer, there are still a lot of people are not so clear about the operations and uses of the Mac, including the correct way to uninstall a program. Deleting a program from Mac could be easy, and also difficult, easy because it just needs the user to drag the unwanted application to the Trash; and difficult is because simply trashing the program cannot effectively or completely remove many applications on the computer.
If you have such questions about the way to uninstall The Cross Formula, you will need to read the removing instructions below carefully.
There are generally three ways available for you to uninstall The Cross Formula from Mac, but different removal way would take different time and bring different result after the standard removal, among which the first two ways are the conventional ones that many people often choose to delete the program they want, but there are some problems will be caused by the removal, and people need to perform additional removing job to clean its leftovers files from the hard disk.
There are some applications contain a specific uninstall feature that allow the user to remove the app itself, so you can go to see if there is such an uninstall process of The Cross Formula, and launch it to perform the program removal with the removing prompts.
Where can we find the uninstall process
Taking a professional uninstall tool can perform an automatic removal for the unwanted app, and people can complete the removal in a relatively short time while compare to the traditional removal ways, additionally, they won't miss any file or data and return you a thorough removal for the unwanted application.
Different from the complete removal performed by the advanced Mac uninstall tool, if you choose to uninstall The Cross Formula to the Trash or with its uninstall feature, there are still files you need to removed after conducting the standard removal with the above removing instructions. This is because uninstalling an application completely is more than just taking the above manual removing steps, many files and data will be left on your hard drive and require you to clean up manually. So, after dragging The Cross Formula to the Trash or removing it with its uninstall feature, you should find out its leftovers junk files and delete them thoroughly.
User's Library is a common place that store the installed applications' bundles and files, such as the support files, caches and logs, and they usually stay in these folders inside the Library:
So, do you already know how to uninstall The Cross Formula now? If you would like to try the automatic removal of Osx Uninstaller, and remove the unwanted applications more quickly in the future, you can choose to download and install it via clicking on this download button:


text:
Sign In
Not a member?
If you aren't a member yet, it only takes a couple of minutes to register! Members get these benefits and more!
- Start new topics and reply to others
- Subscribe to topics and forums to get automatic updates
- Add events to our community calendar
- Get your own profile and make new friends with concours candidates and French teachers
- Get access to hundreds of documents shared by our members

subset: commoncrawl


text:
Created with durability in mind, these gorgeous textured chenille striped cushion covers are the perfect accessory to your home and garden. They are made using fibres that are produced from recycled plastic bottles and are produced in a range of stunning colours.
Sustainability is at the heart of Drift Home, from its responsibly sourced cotton and recycled polyester in stylishly recyclable plastic free cardboard packaging. Appealing to all who care about our world, beautiful bedding doesn't need to cost the Earth.
- Measures 17" x 17" (43cm x 43cm) approx.
- 100% recycled PET
- Spot clean only
- Cushion cover only, inner pad sold separately
Drift Home Grayson Blue Outdoor Cushion Cover 43cm x 43cm (17"x17")
- Brand: Drift Home
- Colour: Blue
- Material: Polyester
- Style:
- Product Benefits: Eco Friendly and Water Resistant
- Thread Count:
Our standard delivery period is 3-5 working days.**
United Kingdom Delivery Charges
Mainland UK
Standard Shipping 2 - 5 Working Days
Orders up to £74.99 - £3.95 Delivery
Orders £75.00 and Over - Free
Channel Islands & Isle of Man
Standard Shipping 3 - 5 Working Days
Orders up to £29.99 - £6.95 Delivery
Orders £30.00 to £49.99 - £8.95 Delivery
Orders £50.00 and Over - £10.95 Delivery
Northern Ireland
Standard Shipping 3 - 5 Working Days
Orders up to £29.99 - £4.95 Delivery
Orders £30.00 to £49.99 - £6.95 Delivery
Orders £50.00 and Over - £8.95 Delivery
*We may need to split your order to fulfil these from different warehouses. Parcels may not arrive on the same date.
**Made to measure products can take up to 10-15 working days to be dispatched
Cushion Inserts
Our cushion pads are available in a range of sizes to suit your needs. They are made exclusively for Ideal Textiles and are extra filled with 100% polyester filling to give you the softest and fullest cushion.
Which Size of Cushion Pad Do I Need? We would recommend going for a cushion pad slightly bigger than your cushion cover to make it nice and plump.
For example, you are buying a cushion cover sized 18" x 18" then we recommend going for a 20" x 20". This may seem too big but once it is in the cushion cover it will sit much better on your sofa. Many of our cushion covers are made to 17" x 17" so that you can use your existing cushion pads or order an 18" pad and have it fit perfectly. - Can I Wash My Cushion Pad? Hollowfibre pads can be washed in the machine on a gentle, low temperature cycle. Just make sure they are thoroughly dried and plump them up before putting your cushion cover back on.
Which Filling Should I Choose? Some of our pre-filled cushions come with the option of feather filled or polyester filled.
Polyester pads are hypoallergenic so are ideal for those with allergies. They are also plump and can be firmer than other cushion options, helping to keep your cushion looking full. To keep these nice and fluffy we recommend that customers plump the inners, pulling the hollowfibre material on the inside apart. This will keep them in the best shape.
Feather filled cushions. These high quality pads look and feel great for a long time. They are soft enough to form to the sitter, but with a quick plump they easily take back their original full look, making sure they look great when on display. If you have any allergies we would not recommend this insert option
Cushion Covers
Keep in style, reduce your waste and keep your costs to a minimum. Re-use your current cushion pads and only replace your cushion covers to keep up with the current trends.
At Ideal we have 100s of different cushion cover styles and sizes to choose from at competitive prices making it easy to spruce up your room. Bring new life to your sofa by mixing textures, colours and patterns which provide comfort and appeal to the eye.
The majority of our cushion covers are fitted with a zip for easy opening meaning your cushion covers can be easily cleaned in the washing machine to keep them fresh, but always check the care label on the item.
Filled Cushions
Filled cushions are an excellent way to dress a sofa or bed and can really add the finishing touch to a room. They can also add extra interest or texture to a room as the prefilling allows us to explore new shapes which standard cushion pads cannot conform to.
Caring for your ready made filled cushions depends on the type you buy: most of the cushions to match our duvet covers are 100% machine washable but luxury cushions such as our Evans Litchfield Cushions are often made with 100% wool covers and feather inners meaning they are slightly more difficult to care for. Always check the care label before washing.
Warehouse Clearance Bonanza: Limited Stock, Unbeatable Prices!
Discover amazing deals on a curated selection of curtains, bedding, cushions, and more in our Warehouse Clearance section. These items are simply overstocks, customer returns that are still in great condition, and a few repackaged pieces – all offering fantastic savings while supplies last!
Important Notes on Warehouse Clearance:
- Stock is Extremely Limited: The incredible prices in our Warehouse Clearance section reflect the limited nature of our stock. Once an item is gone, it's gone!
- Multiple Order Limitations: To ensure fairness and availability for all customers, we may need to cancel and refund orders containing large quantities of the same Warehouse Clearance item. We apologize for any inconvenience this may cause.
- Enjoy the Savings While You Can: These special clearance prices are only available based on the stock we currently have in our warehouse. Don't miss out on these incredible deals on top-quality home textiles.
Why Choose Warehouse Clearance?
Our Warehouse Clearance allows you to refresh your home with premium items at a fraction of the cost. It's a fantastic opportunity to:
- Save Big: Enjoy unbelievable discounts on high-quality home textiles.
- Discover Hidden Gems: Find unique pieces and discontinued styles you won't see anywhere else.
- Update Your Space on a Budget: Give your rooms a makeover without breaking the bank.
Shop our Warehouse Clearance today and transform your home with stylish finds at unbeatable prices!


text: CarolinaHurricanes.com is the official website of the Carolina Hurricanes. Carolina Hurricanes, carolinahurricanes.com and caneshockey.com are trademarks of the Carolina Hurricanes Hockey Club. NHL, the NHL Shield, the word mark and image of the Stanley Cup and NHL Conference logos are registered trademarks of the National Hockey League. All NHL logos and marks and NHL team logos and marks as well as all other proprietary materials depicted herein are the property of the NHL and the respective NHL teams and may not be reproduced without the prior written consent of NHL Enterprises, L.P. Copyright © 1999-2024 Carolina Hurricanes Hockey Club and the National Hockey League. All Rights Reserved.


text:
Where to buy engagement rings in Butcombe.
There are many places to buy jewellery in Butcombe and for those looking for a unique option, there are also vintage and antique jewellers in Butcombe. Many of the larger department stores in Butcombe such as Beaverbrooks and Ernest Jones offer a selection of engagement rings.
No matter what your budget or style, there is sure to be an engagement ring in Butcombe that is perfect for you. With so many options available, it is important to take the time to research and compare different jewellers before making a purchase. Consider the quality of the diamonds and other materials used. Make sure to ask questions about the stone's cut, clarity, colour, and carat weight before making a purchase. Also, be sure to check the jeweller's return policy in case you need to exchange or return your ring.
Finally, it is important to remember that an engagement ring is a symbol of love and commitment. Take the time to find the perfect ring that reflects your relationship and expresses your feelings for one another.
Find the perfect engagement ring in Butcombe by browsing the stores below:


text:
Of course I shall not pretend to consider it any matter for wonder, that the extraordinary case of M. Valdemar has excited discussion. It would have been a miracle had it not—especially under the circumstances. Through the desire of all parties concerned, to keep the affair from the public, at least for the present, or until we had farther opportunities for investigation—through our endeavors to effect this—a garbled or exaggerated account made its way into society, and became the source of many unpleasant misrepresentations; and, very naturally, of a great deal of disbelief.
It is now rendered necessary that I give the facts—as far as I comprehend them myself. They are, succinctly, these:
My attention, for the last three years, had been repeatedly drawn to the subject of Mesmerism; and, about nine months ago it occurred to me, quite suddenly, that in the series of experiments made hitherto, there had been a very remarkable and most unaccountable omission:—no person had as yet been mesmerized in articulo mortis. It remained to be seen, first, whether, in such condition, there existed in the patient any susceptibility to the magnetic influence; secondly, whether, if any existed, it was impaired or increased by the condition; thirdly, to what extent, or for how long a period, the encroachments of Death might be arrested by the process. There were other points to be ascertained, but these most excited my curiosity—the last in especial, from the immensely important character of its consequences.
In looking around me for some subject by whose means I might test these particulars, I was brought to think of my friend, M. Ernest Valdemar, the well-known compiler of the "Bibliotheca Forensica," and author (under the nom de plume of Issachar Marx) of the Polish versions of "Wallenstein" and "Gargantua." M. Valdemar, who has resided principally at Harlem, N.Y., since the year 1839, is (or was) particularly noticeable for the extreme spareness of his person—his lower limbs much resembling those of John Randolph; and, also, for the whiteness of his whiskers, in violent contrast to the blackness of his hair—the latter, in consequence, being very generally mistaken for a wig. His temperament was markedly nervous, and rendered him a good subject for mesmeric experiment. On two or three occasions I had put him to sleep with little difficulty, but was disappointed in other results which his peculiar constitution had naturally led me to anticipate. His will was at no period positively, or thoroughly, under my control, and in regard to clairvoyance, I could accomplish with him nothing to be relied upon. I always attributed my failure at these points to the disordered state of his health. For some months previous to my becoming acquainted with him, his physicians had declared him in a confirmed phthisis. It was his custom, indeed, to speak calmly of his approaching dissolution, as of a matter neither to be avoided nor regretted.
When the ideas to which I have alluded first occurred to me, it was of course very natural that I should think of M. Valdemar. I knew the steady philosophy of the man too well to apprehend any scruples from him; and he had no relatives in America who would be likely to interfere. I spoke to him frankly upon the subject; and, to my surprise, his interest seemed vividly excited. I say to my surprise, for, although he had always yielded his person freely to my experiments, he had never before given me any tokens of sympathy with what I did. His disease was of that character which would admit of exact calculation in respect to the epoch of its termination in death; and it was finally arranged between us that he would send for me about twenty-four hours before the period announced by his physicians as that of his decease.
It is now rather more than seven months since I received, from M. Valdemar himself, the subjoined note:
You may as well come now. D—— and F—— are agreed that I cannot hold out beyond to-morrow midnight; and I think they have hit the time very nearly.
I received this note within half an hour after it was written, and in fifteen minutes more I was in the dying man's chamber. I had not seen him for ten days, and was appalled by the fearful alteration which the brief interval had wrought in him. His face wore a leaden hue; the eyes were utterly lustreless; and the emaciation was so extreme that the skin had been broken through by the cheek-bones. His expectoration was excessive. The pulse was barely perceptible. He retained, nevertheless, in a very remarkable manner, both his mental power and a certain degree of physical strength. He spoke with distinctness—took some palliative medicines without aid—and, when I entered the room, was occupied in penciling memoranda in a pocket-book. He was propped up in the bed by pillows. Doctors D—— and F—— were in attendance.
After pressing Valdemar's hand, I took these gentlemen aside, and obtained from them a minute account of the patient's condition. The left lung had been for eighteen months in a semi-osseous or cartilaginous state, and was, of course, entirely useless for all purposes of vitality. The right, in its upper portion, was also partially, if not thoroughly, ossified, while the lower region was merely a mass of purulent tubercles, running one into another. Several extensive perforations existed; and, at one point, permanent adhesion to the ribs had taken place. These appearances in the right lobe were of comparatively recent date. The ossification had proceeded with very unusual rapidity; no sign of it had been discovered a month before, and the adhesion had only been observed during the three previous days. Independently of the phthisis, the patient was suspected of aneurism of the aorta; but on this point the osseous symptoms rendered an exact diagnosis impossible. It was the opinion of both physicians that M. Valdemar would die about midnight on the morrow (Sunday). It was then seven o'clock on Saturday evening.
On quitting the invalid's bed-side to hold conversation with myself, Doctors D—— and F—— had bidden him a final farewell. It had not been their intention to return; but, at my request, they agreed to look in upon the patient about ten the next night.
When they had gone, I spoke freely with M. Valdemar on the subject of his approaching dissolution, as well as, more particularly, of the experiment proposed. He still professed himself quite willing and even anxious to have it made, and urged me to commence it at once. A male and a female nurse were in attendance; but I did not feel myself altogether at liberty to engage in a task of this character with no more reliable witnesses than these people, in case of sudden accident, might prove. I therefore postponed operations until about eight the next night, when the arrival of a medical student with whom I had some acquaintance, (Mr. Theodore L—l,) relieved me from farther embarrassment. It had been my design, originally, to wait for the physicians; but I was induced to proceed, first, by the urgent entreaties of M. Valdemar, and secondly, by my conviction that I had not a moment to lose, as he was evidently sinking fast.
Mr. L—l was so kind as to accede to my desire that he would take notes of all that occurred, and it is from his memoranda that what I now have to relate is, for the most part, either condensed or copied verbatim.
It wanted about five minutes of eight when, taking the patient's hand, I begged him to state, as distinctly as he could, to Mr. L—l, whether he (M. Valdemar) was entirely willing that I should make the experiment of mesmerizing him in his then condition.
He replied feebly, yet quite audibly, "Yes, I wish to be. I fear you have mesmerized"—adding immediately afterwards: "I fear you have deferred it too long."
While he spoke thus, I commenced the passes which I had already found most effectual in subduing him. He was evidently influenced with the first lateral stroke of my hand across his forehead; but although I exerted all my powers, no further perceptible effect was induced until some minutes after ten o'clock, when Doctors D—— and F—— called, according to appointment. I explained to them, in a few words, what I designed, and as they opposed no objection, saying that the patient was already in the death agony, I proceeded without hesitation—exchanging, however, the lateral passes for downward ones, and directing my gaze entirely into the right eye of the sufferer.
By this time his pulse was imperceptible and his breathing was stertorous, and at intervals of half a minute.
This condition was nearly unaltered for a quarter of an hour. At the expiration of this period, however, a natural although a very deep sigh escaped the bosom of the dying man, and the stertorous breathing ceased—that is to say, its stertorousness was no longer apparent; the intervals were undiminished. The patient's extremities were of an icy coldness.
At five minutes before eleven I perceived unequivocal signs of the mesmeric influence. The glassy roll of the eye was changed for that expression of uneasy inward examination which is never seen except in cases of sleep-waking, and which it is quite impossible to mistake. With a few rapid lateral passes I made the lids quiver, as in incipient sleep, and with a few more I closed them altogether. I was not satisfied, however, with this, but continued the manipulations vigorously, and with the fullest exertion of the will, until I had completely stiffened the limbs of the slumberer, after placing them in a seemingly easy position. The legs were at full length; the arms were nearly so, and reposed on the bed at a moderate distance from the loin. The head was very slightly elevated.
When I had accomplished this, it was fully midnight, and I requested the gentlemen present to examine M. Valdemar's condition. After a few experiments, they admitted him to be an unusually perfect state of mesmeric trance. The curiosity of both the physicians was greatly excited. Dr. D—— resolved at once to remain with the patient all night, while Dr. F—— took leave with a promise to return at daybreak. Mr. L—l and the nurses remained.
We left M. Valdemar entirely undisturbed until about three o'clock in the morning, when I approached him and found him in precisely the same condition as when Dr. F—— went away—that is to say, he lay in the same position; the pulse was imperceptible; the breathing was gentle (scarcely noticeable, unless through the application of a mirror to the lips); the eyes were closed naturally; and the limbs were as rigid and as cold as marble. Still, the general appearance was certainly not that of death.
As I approached M. Valdemar I made a kind of half effort to influence his right arm into pursuit of my own, as I passed the latter gently to and fro above his person. In such experiments with this patient, I had never perfectly succeeded before, and assuredly I had little thought of succeeding now; but to my astonishment, his arm very readily, although feebly, followed every direction I assigned it with mine. I determined to hazard a few words of conversation.
"M. Valdemar," I said, "are you asleep?" He made no answer, but I perceived a tremor about the lips, and was thus induced to repeat the question, again and again. At its third repetition, his whole frame was agitated by a very slight shivering; the eyelids unclosed themselves so far as to display a white line of the ball; the lips moved sluggishly, and from between them, in a barely audible whisper, issued the words:
"Yes;—asleep now. Do not wake me!—let me die so!"
I here felt the limbs and found them as rigid as ever. The right arm, as before, obeyed the direction of my hand. I questioned the sleep-waker again:
"Do you still feel pain in the breast, M. Valdemar?"
The answer now was immediate, but even less audible than before:
"No pain—I am dying."
I did not think it advisable to disturb him farther just then, and nothing more was said or done until the arrival of Dr. F——, who came a little before sunrise, and expressed unbounded astonishment at finding the patient still alive. After feeling the pulse and applying a mirror to the lips, he requested me to speak to the sleep-waker again. I did so, saying:
"M. Valdemar, do you still sleep?"
As before, some minutes elapsed ere a reply was made; and during the interval the dying man seemed to be collecting his energies to speak. At my fourth repetition of the question, he said very faintly, almost inaudibly:
"Yes; still asleep—dying."
It was now the opinion, or rather the wish, of the physicians, that M. Valdemar should be suffered to remain undisturbed in his present apparently tranquil condition, until death should supervene—and this, it was generally agreed, must now take place within a few minutes. I concluded, however, to speak to him once more, and merely repeated my previous question.
While I spoke, there came a marked change over the countenance of the sleep-waker. The eyes rolled themselves slowly open, the pupils disappearing upwardly; the skin generally assumed a cadaverous hue, resembling not so much parchment as white paper; and the circular hectic spots which, hitherto, had been strongly defined in the centre of each cheek, went out at once. I use this expression, because the suddenness of their departure put me in mind of nothing so much as the extinguishment of a candle by a puff of the breath. The upper lip, at the same time, writhed itself away from the teeth, which it had previously covered completely; while the lower jaw fell with an audible jerk, leaving the mouth widely extended, and disclosing in full view the swollen and blackened tongue. I presume that no member of the party then present had been unaccustomed to death-bed horrors; but so hideous beyond conception was the appearance of M. Valdemar at this moment, that there was a general shrinking back from the region of the bed.
I now feel that I have reached a point of this narrative at which every reader will be startled into positive disbelief. It is my business, however, simply to proceed.
There was no longer the faintest sign of vitality in M. Valdemar; and concluding him to be dead, we were consigning him to the charge of the nurses, when a strong vibratory motion was observable in the tongue. This continued for perhaps a minute. At the expiration of this period, there issued from the distended and motionless jaws a voice—such as it would be madness in me to attempt describing. There are, indeed, two or three epithets which might be considered as applicable to it in part; I might say, for example, that the sound was harsh, and broken and hollow; but the hideous whole is indescribable, for the simple reason that no similar sounds have ever jarred upon the ear of humanity. There were two particulars, nevertheless, which I thought then, and still think, might fairly be stated as characteristic of the intonation—as well adapted to convey some idea of its unearthly peculiarity. In the first place, the voice seemed to reach our ears—at least mine—from a vast distance, or from some deep cavern within the earth. In the second place, it impressed me (I fear, indeed, that it will be impossible to make myself comprehended) as gelatinous or glutinous matters impress the sense of touch.
I have spoken both of "sound" and of "voice." I mean to say that the sound was one of distinct—of even wonderfully, thrillingly distinct—syllabification. M. Valdemar spoke—obviously in reply to the question I had propounded to him a few minutes before. I had asked him, it will be remembered, if he still slept. He now said:
"Yes;—no;—I have been sleeping—and now—now—I am dead."
No person present even affected to deny, or attempted to repress, the unutterable, shuddering horror which these few words, thus uttered, were so well calculated to convey. Mr. L—l (the student) swooned. The nurses immediately left the chamber, and could not be induced to return. My own impressions I would not pretend to render intelligible to the reader. For nearly an hour, we busied ourselves, silently—without the utterance of a word—in endeavors to revive Mr. L—l. When he came to himself, we addressed ourselves again to an investigation of M. Valdemar's condition.
It remained in all respects as I have last described it, with the exception that the mirror no longer afforded evidence of respiration. An attempt to draw blood from the arm failed. I should mention, too, that this limb was no farther subject to my will. I endeavored in vain to make it follow the direction of my hand. The only real indication, indeed, of the mesmeric influence, was now found in the vibratory movement of the tongue, whenever I addressed M. Valdemar a question. He seemed to be making an effort to reply, but had no longer sufficient volition. To queries put to him by any other person than myself he seemed utterly insensible—although I endeavored to place each member of the company in mesmeric rapport with him. I believe that I have now related all that is necessary to an understanding of the sleep-waker's state at this epoch. Other nurses were procured; and at ten o'clock I left the house in company with the two physicians and Mr. L—l.
In the afternoon we all called again to see the patient. His condition remained precisely the same. We had now some discussion as to the propriety and feasibility of awakening him; but we had little difficulty in agreeing that no good purpose would be served by so doing. It was evident that, so far, death (or what is usually termed death) had been arrested by the mesmeric process. It seemed clear to us all that to awaken M. Valdemar would be merely to insure his instant, or at least his speedy, dissolution.
From this period until the close of last week—an interval of nearly seven months—we continued to make daily calls at M. Valdemar's house, accompanied, now and then, by medical and other friends. All this time the sleeper-waker remained exactly as I have last described him. The nurses' attentions were continual.
It was on Friday last that we finally resolved to make the experiment of awakening, or attempting to awaken him; and it is the (perhaps) unfortunate result of this latter experiment which has given rise to so much discussion in private circles—to so much of what I cannot help thinking unwarranted popular feeling.
For the purpose of relieving M. Valdemar from the mesmeric trance, I made use of the customary passes. These, for a time, were unsuccessful. The first indication of revival was afforded by a partial descent of the iris. It was observed, as especially remarkable, that this lowering of the pupil was accompanied by the profuse out-flowing of a yellowish ichor (from beneath the lids) of a pungent and highly offensive odor.
It was now suggested that I should attempt to influence the patient's arm, as heretofore. I made the attempt and failed. Dr. F—— then intimated a desire to have me put a question. I did so, as follows:
"M. Valdemar, can you explain to us what are your feelings or wishes now?"
There was an instant return of the hectic circles on the cheeks; the tongue quivered, or rather rolled violently in the mouth (although the jaws and lips remained rigid as before), and at length the same hideous voice which I have already described, broke forth:
"For God's sake!—quick!—quick!—put me to sleep—or, quick!—waken me!—quick!—I say to you that I am dead!"
I was thoroughly unnerved, and for an instant remained undecided what to do. At first I made an endeavor to recompose the patient; but, failing in this through total abeyance of the will, I retraced my steps and as earnestly struggled to awaken him. In this attempt I soon saw that I should be successful—or at least I soon fancied that my success would be complete—and I am sure that all in the room were prepared to see the patient awaken.
For what really occurred, however, it is quite impossible that any human being could have been prepared.
As I rapidly made the mesmeric passes, amid ejaculations of "dead! dead!" absolutely bursting from the tongue and not from the lips of the sufferer, his whole frame at once—within the space of a single minute, or even less, shrunk—crumbled—absolutely rotted away beneath my hands. Upon the bed, before that whole company, there lay a nearly liquid mass of loathsome—of detestable putrescence.


text:
This cake is called "anthill cake" because when you slice it, it looks like there are a thousand ants inside it:
Don't be scared! These are chocolate sprinkles. :)
I think I had not eaten this cake in 8 years or so – I'm not kidding!
It's a very traditional cake here and delicious even without any icing. Some recipes call for desiccated coconut, but the one I grew up baking doesn't.
I used to bake this cake all the time when I was a teenage baker. It would be the perfect afternoon snack for me, my brother and Julio (my stepmother's son) after we finished our homework.
The first time I made this cake was bit tragic, though: I poured too much batter in the pan and then it started to overflow… The batter on the oven got burnt and the kitchen was full of smoke. As I was a silly girl, I gave up the cake and went to my room to cry.
That day, we had company at home: my cousin Daniel and a friend of the boys' were there, too.
Half an hour or so after the disaster, the 4 boys came to talk to me. They told me they had cleaned the oven and also washed the cake pan; they asked me to bake the cake again – of course I couldn't say no to such a sweet request!
This time I used a recipe from a friend for the cake and chose the same chocolate icing I used for my Brazilian carrot cake. And apparently I haven't learned my lesson – again, cake pan was a bit too small:
Brazilian anthill cake
3 eggs
pinch of salt
240g sugar
200g unsalted butter, room temperature
200ml milk
300g all-purpose flour
1 tablespoon baking powder
6 tablespoons chocolate sprinkles
Chocolate icing:
2 tablespoons cocoa powder
4 tablespoons sugar
1 tablespoon unsalted butter
2 tablespoons milk
For the cake: Preheat the oven to 180ºC/355ºF. Grease and flour a 24cm ring pan.
Separate the egg whites from yolks being careful to not contaminate the whites with the yolks. Beat the egg whites with the salt until stiff peaks form. Set aside.
Using a mixer, beat yolks, sugar and butter until light and creamy. Start adding the flour, alternating with the milk and beat well.
Add the baking powder and the chocolate sprinkles and mix well with a spoon. Fold in the egg whites – the batter is very thick. Pour into prepared pan and bake for 40 minutes or until a skewer inserted comes out clean.
Cool in the pan for 10-15 minutes then invert the cake onto a serving plate.
Make the icing: mix all the ingredients in a small saucepan and cook over high heat until it boils.
Remove from heat and pour it over the cake.
Serves 10-12.


text:
GIA Fancy Intense Pink Oval Brilliant
Receive your jewellery in 7 - 8 weeks.
We can help you find the item you like in the right size or bespoke metal. Make an enquiry and we will come back to you shortly.
* Required
This site is protected by reCAPTCHA and Google Privacy Policy and Terms of Service.
Web Design:Emmanuelle Goutal
Web & Shopify Development:Rich Kelly


text:
Our collection of Fine Spirits is second to none. With an expansive array of flavored Vodkas, Bourbon, Cognac, exotic Rums, Liquers/Cordials and more, you're certain to find exactly what you're looking for at Norman's Fine Wines & Spirits. Browse our online listing or visit one of our locations for a truly enjoyable shopping experience.
[ 7 ] Items


text:
An object describing a particular command typed by the user
Examples: :max ; the command most recently typed by the user :x ; synonymous with :max (:x -1) ; the command before the most recent one (:x -2) ; the command before that :x-2 ; synonymous with (:x -2) 5 ; the fifth command typed by the user 1 ; the first command typed by the user 0 ; the last command of the system initialization -1 ; the next-to-last initialization command :min ; the first command of the initialization :start ; the last command of the initial ACL2 logical world fn ; the command that introduced the logical name fn (:search (defmacro foo-bar)) ; the first command encountered in a search from :max to ; 0 that either contains defmacro and foo-bar in the ; command form or contains defmacro and foo-bar in some ; event within its block.
The recorded history of your interactions with the top-level ACL2 command loop is marked by the commands you typed that changed the logical world. Each such command generated one or more events, since the only way for you to change the logical world is to execute an event function. See command and see events. We divide history into ``command blocks,'' grouping together each world changing command and its events. A ``command descriptor'' is an object that can be used to describe a particular command in the history of the ongoing session.
Each command is assigned a unique integer called its ``command number'' which indicates the command's position in the chronological ordering of all of the commands ever executed in this session (including those executed to initialize the system). We assign the number 1 to the first command you type to ACL2. We assign 2 to the second and so on. The non-positive integers are assigned to ``prehistoric'' commands, i.e., the commands used to initialize the ACL2 system: 0 is the last command of the initialization, -1 is the one before that, etc.
The legal command descriptors are described below. We use
command command descriptor described :max -- the most recently executed command (i.e., the one with the largest command number) :x -- synonymous with :max :x-k -- synonymous with (:x -k), if k is an integer and k>0 :min -- the earliest command (i.e., the one with the smallest command number and hence the first command of the system initialization) :start -- the last command when ACL2 starts up n -- command number n (If n is not in the range :min<=n<=:max, n is replaced by the nearest of :min and :max.) sym -- the command that introduced the logical name sym (cd n) -- the command whose number is n plus the command number of the command described by cd (:search pat cd1 cd2) In this command descriptor, pat must be either an atom or a true list of atoms and cd1 and cd2 must be command descriptors. We search the interval from cd1 through cd2 for the first command that matches pat. Note that if cd1 occurs chronologically after cd2, the search is ``backwards'' through history while if cd1 occurs chronologically before cd2, the search is ``forwards''. A backwards search will find the most recent match; a forward search will find the chronologically earliest match. A command matches pat if either the command form itself or one of the events in the block contains pat (or all of the atoms in pat if pat is a list). (:search pat) the command found by (:search pat :max 0), i.e., the most recent command matching pat that was part of the user's session, not part of the system initialization.


text:
Our expert teams of Japanese marketing translators have a wealth of industry experience in the Japanese speaking market, and we know which questions to ask to make sure your marketing, market research, PR, or advertising are translated from Japanese, to the best possible quality.
Around the world we are preferred supplier of translations to leading media and marketing agencies for clients in wide range of industries. Our capacity to rapidly translate documents into a large number of languages concurrently is a key advantage, and means that you can reach markets faster and with more confidence that your message is intact.
We will build and brief a team of Japanese marketing translators specifically for your account and ensure that we clearly define tone of voice, style and the messages that you want to communicate in the Japanese language materials.
We translate thousands of words of marketing materials each day between a huge variety of languages including Japanese;
- Brochures, Leaflets and Handbooks
- Email Marketing
- Websites, Landing pages, Keywords, Banners and Flash animations
- Press Releases
In need of marketing translation services?
Marketing translation services are a useful tool for any business looking to reach new customers in a foreign language market.
If you're seeking marketing translation services for a multilingual promotional project, look no further than TOPPAN Digital Language. Our network of translators includes fully qualified linguists who have extensive experience in translating marketing materials for a variety of sectors.
With TOPPAN Digital Language, you can enjoy peace of mind in knowing that your marketing translation services are being carried out in an efficient, accurate and punctual manner, by creative people who understand and care about your project.
Marketing translation services: what do they encompass?
Marketing translation comprises far more than simply translating copy on a page. As with any other marketing professional, those who undertake marketing translation services must consider their core audience.
That's why it's vital to remember that just because something works in one language doesn't mean it will work in another. Marketing translation services specialists are responsible for getting a specific message across to customers – in a way that they will understand.
Depending on the nature of your business, and the types of marketing that you do, marketing translation services can include a variety of elements.
From more traditional marketing materials like direct mail letters, leaflets and printed advertisements, to today's high-tech alternatives like emails, websites, landing pages and banner ads, a marketing translation services team should be able to convert your entire marketing campaign into a successful multilingual promotion.
Things to consider when choosing marketing translation services
When selecting a specialist to provide marketing translation services, experience and knowledge of a language are of vital importance. Those who undertake such projects should have a comprehensive understanding of the nuances and peculiarities of a tongue, as well as a close familiarity of idioms, expressions and plays on words in the particular dialect.
Marketing translation services professionals should also be aware of the methods and techniques used in successful campaigns. They should appreciate the importance of speaking to their intended audience and they should always be briefed about the market in question and the types of customers it is targeting.
Because time is always an issue, those who provide marketing translation services should also be able to complete projects accurately and within the agreed schedule. This will help to ensure the success of a marketing campaign.
At TOPPAN Digital Language, we work hard to make sure our translators fully comprehend the context and objectives of a task and our team of project managers, researchers and typesetters will work closely with them to ensure your project is completed on time and to the very highest of standards.
Marketing translation services from TOPPAN Digital Language
Having provided translation, transcription and interpretation services in more than 85 languages to world-renown clients, TOPPAN Digital Language is well-respected in the industry.
We strive to build lasting customer relationships and believe that a long-term approach is the best way to fully understand the needs and objectives of our clientele.
As members of the Association of Translation Companies and the American Translators Association, you can rest assured that we offer high-quality marketing translation services that will prove beneficial for your business.
To find out more about our marketing translation services, contact us today. A member of our team will be able to discuss your requirements, as well as provide a quotation or live demonstration of our services. Be sure to also check out our translation services news to keep up to date with the latest developments in the marketing translation services sector.
We have specialist teams of Japanese linguists in various fields and competences. They are experts in their industry, with relevant knowledge and experience, and we assign them to work according to their skills sets.
Although many of our Japanese linguists are located in Japan we also have a large number of mother tongue Japanese translators and interpreters dispersed all around the world. Our global Project Management presence and dispersed teams of Japanese translators means that we can offer you real advantages where you have tight turnaround requirements.


text:
You are using an outdated browser. Upgrade your browser today for a better experience of this site and many others.
Tel: 01245 258188 | E-mail: email@example.com | Contact us
We summarise what situations are caught by the special rules that apply to some personal service companies and the implications of the rules. At Mayor Cuttle & Co, we can help check whether the regime may apply to your company if you live or work in the Chelmsford area.
The off-payroll working rules are designed to prevent the avoidance of tax and national insurance contributions (NICs) through the use of personal service companies and partnerships.
The rules do not stop individuals selling their services through either their own personal companies or a partnership. However, they do seek to remove any possible tax advantages from doing so where the worker would otherwise be an employee of the client.
The application of the rules differs depending on the client to whom the services are provided; whether the client is a public sector body, a large or medium private sector business or a small private sector business.
The tax advantages mainly arise by extracting the net taxable profits of the company by way of dividend. This avoids any national insurance contributions (NICs) which would generally have been due if that profit had been extracted by way of remuneration or bonus. In addition, dividend tax rates are lower than those applicable to salary income.
The intention of the rules is to tax most of the income received from the client as if it were the salary of the person doing the work.
The rules apply if, had the individual sold their services directly rather than through a company (or partnership), they would have been classed (by HMRC) as employed rather than self-employed.
For example, an individual operating through a personal service company but with only one customer for whom they effectively work full-time is likely to be caught by the rules. On the other hand, an individual providing similar services to many customers is far less likely to be affected.
One of the major issues under the rules is to establish whether particular relationships or contracts are caught. This is because the dividing line between employment and self-employment has always been a fine one.
All of the factors will be considered, but overall it is the intention and reality of the relationship that matters.
The table below sets out the factors which are relevant to the decision.
HMRC will consider the following to decide whether a contract is caught under the rules:
HMRC has provided a digital tool to help identify the employment status of a worker.
The main points to consider if you are caught by the legislation are:
If a company has employees who have 5% or less of the shares in their employer company, the rules will generally not be applied to the income that those employees generate for the company.
Note however that in establishing whether the 5% test is met, any shares held by 'associates' must be included.
There are different rules which apply depending on the client to whom the services are being provided.
Where the client is a small, private sector body then responsibility for determining the status of the worker lies with the personal service company.
Where the client is a public sector organisation or a medium or large-sized private business, broadly that entity will have responsibility for determining the status of the worker and communicating that via the issue of a status determination statement.
The legislation uses an existing statutory definition within the Companies Act of a 'small company' to exempt small businesses from the new rules. A small company is one which meets two of these criteria:
If the business receiving the work of the individual is not a company, it is only the turnover test that will apply.
These rules are sometimes referred to as the IR35 rules.
The personal service company operates PAYE & NICs on actual payments of salary to the individual during the year in the normal way.
If, at the end of the tax year - ie 5 April, the individual's salary from the company, including benefits in kind, amounts to less than the company's income from all of the contracts to which the rules apply, then the difference (net of allowable expenses) is deemed to have been paid to the individual as salary on 5 April and PAYE/NICs are due.
Allowable expenses include:
Where salary is deemed in this way:
Where the legislation applies, the public sector engager or fee-payer is treated as an employer for the purposes of tax and Class 1 NICs (including employer NICs) and the amount paid to the worker's intermediary will be deemed to be a payment of employment income to that worker.
The 5% allowance used by the worker's intermediary for certain business expenses is not available for contracts with the public sector.
Income received by the personal service company which has been taxed as employment income under these rules is not chargeable to corporation tax, nor is there additional income tax to pay on extraction of the funds.
Where individuals sell their services through a partnership, the rules are applied to any income arising which would have been taxed as employment income if the partnership had not existed.
Many partnerships are not caught by the rules even if one or more of the partners performs work for a client which may have the qualities of an employment contract.
The rules will only apply to partnerships where:
Where a personal service company or partnership fails to deduct and account for PAYE/NICs due under the rules, the normal penalty provisions apply.
If the company or partnership fails to pay, it will be possible for the tax and NICs due to be collected from the individual as happens in certain circumstances under existing PAYE and NIC legislation.
MSCs had attempted to avoid the IR35 rules. The types of MSCs vary but are often referred to as 'composite companies' or 'managed PSCs'. Broadly, the main difference is that an MSC provider is involved with the worker's company. For example where the provider benefits financially from providing the services of the worker or influences/controls the provision of those services or the way payments are made to the individual. Legislation has been introduced to ensure that workers providing services through an MSC are subject to similar rules to those for PSCs above.
We can advise as to the best course of action in your own particular circumstances in the Chelmsford area.
If IR35 does apply to you we can help with the necessary record keeping and calculations so please do contact us at Mayor Cuttle & Co.
Registered by the Institute of Chartered Accountants in England and Wales to carry out company audit work and also trading as William Evans & Partners


text:
Articles tagged with 'Pharmac'
[Opinion] Debate on funding cancer drugs good time to spread the word on health insurance
5 June 2024 - Funding cancer drugs – has there ever been a better time to demonstrate the value of health insurance?
All tags:
A newsletter a2 Milk AA Finance AA Health AA insurance Absolute Returns ACC Accessibility accountants Accuro ACI Active v Passive Active+ actuary Acumen Adam Boyd Adrian Durham Adrian Orr Adrienne Church advertising Advice First advice risk adviceHQ Adviser Business Compliance Advisers Aegis AFA affordability aggregation aggregator AI AIA AIA Apollo Airbnb Alistair Bean Alister Van Der Maas Allen Yeo Allianz Partners Alvarium Wealth AM Best AML AML/CFT Act AMP AMP Capital AMP Life AMP Wealth Management Amplifi Group Ando Insurance Group Andrew Barnes Andrew Bascand Andrew Bayly Andrew Inwood Andrew King Angus Dale-Jones annual report Annuitas annuities Anthony Edmonds Anthony Halls Anthony Healy anti-social behaviour Antipodes Antonia Watson ANZ ANZIIF ANZIIF awards Aon Aon Hewitt Apartments Apex Group APIA Apostle Funds Management APRA Apricity Apteryx Ares Ark Invest artificial intelligence ASB Asia ASIC assault asset allocation Asset Finance ASSET Magazine Asteron Astute ASX ASX 100 Auckland Auckland Council Auckland Health Services Augusta Aurora Capital Aurora Financial Aussie Home Loans Avanti average price awards BAA Bagrie Economics Bancassurance Bancorp Treasury Services Bank of China Bankers Associaton banking ombudsman banks Barbara Chapman Barfoot & Thompson Barry Coates Barry Kloogh Barry Read Basecorp Bath Street Bayleys BCA BDM Ben Kelleher Bennelong Bentham Asset Management Bernie McCrea BetaShares Better Business Conference Bevin Graham bitcoin Bizcap Blackrock Blackstone Blackwell Global Blair Vernon Blanket blockchain Bluestone BNP Paribas BNZ Boardpro body corporates bonds Bonus Bonds Books for sale Booster Booster Savvy Bradley Nuttall Bravura Brent Sheather Brexit Brian Gaynor Brian Klee Bridgecorp bridging finance Bright-line test BritanniaNZ Bruce Kerr Bruce McLachlan Bruce Patten BT Funds BTR Budget build to rent building burnout business finance guarantee scheme Business for sale business insurance Business lending business management CA ANZ camelot Cameron Bagrie. Canstar Canterbury Canterbury Mortgage Trust capital gains capital gains tax capital markets carbon intensity carbon offset CareHQ Caresaver Carey Brunel cash flow Castle Point Castle Point Funds Management Catherine McGrath CBRE CCCFA Census Centastone Centrix Century 21 Century21 CERT NZ CFA CFFC CFML CFP CFT CGT Challenger Chapman Tripp charity Chatswood China Chris Douglas Christian Hawkesby Christian Savings Chubb Churn Cigna CIMA CIO claims Claire Matthews Clarity Funds Management Clayton Copplestone client engagement client first Climate Change climate risk reporting Climate Venture Capital Fund Clinton Stanger CLU CMC Markets co-op money Co-operative Bank Code Code Committee Code Working Group CoFI CoFR Colliers Commentary commerce commission commercial property Commission Commission for Financial Capability communication Community Finance Compass Life complaints complectus compliance Compliance Refinery conduct confidence consents Consilium Constellation Capital construction consultation Consumer CoreLogic coronavirus cost of living council Council of Financial Regulators court Cove Insurance Covid-19 CPA CPD CPI Craigs Investment Partners credit suisse Cressida Critical illness insurance crowdfunding cryptocurrency CU Baywide Culture and Conduct Curated Risk currency custody Customer Outcome Matrix Customer Outcomes cyber security Dai-ichi Life Daintree Dale-Jones damage damage liability Darren Gannon Darren Howlin data right data security David Beattie David Boyle David Clark David Cunningham David Greenslade David Haak David Hisco David Ireland David Pine David van Schaardenburg David Whyte DDoS de Vere Dealer Groups Dean Anderson decumulation default funds Deloitte Delta demand Deutsche Bank developers Devon FM digital investment digital lending Dimensional Funds DIMS Disability insurance Disclosure Discovery Funds disputes disruptive innovation diversified income funds Diversified Investment Strategies diversity Dominick Stephens Donna Nicolof DTIs Dundas duty of care Dylan Mann earthquake strengthening Easy Crypto EBT Capital economy Edge Mortgages education election Elevation emerging trends EQC equities Equitise equity release ESG estate planning ETFs ethical investments ethics Europe FADC Fairway FAMNZ FANZ FANZ annual conference FAP FAP Services FAPO FASEA FATCA FBAA Federal Reserve fees FEI FGG Fidelity Life Fiducian File Invite FileInvite finance companies Financial advice Financial Advice New Zealand Financial Advice NZ annual conference financial advisers Financial Advisers Act Financial Advisers Act 2008 financial capability Financial Disputes Resolution financial hardship financial literacy financial market infrastructures Financial Market Infrastructures Bill Financial Markets Conduct Act financial resilience Financial Services Legislation Amendment Act Financial Services Legislation Amendment Bill Financial Services Ombudsman Scheme Findex Finergy Finfluencers FINSIA Finsure fintech Finzo first home buyers First Mortgage Trust First Sentier Investors First State Fisher Funds Fitch Fixed interest fixed rate mortgages Flint floating rate mortgages FMA FMG FMOY FMT FNZ FNZC Footprint Forecasts foreign investment Forex Forsyth Barr Foundation Advice Foundation Life Foundation North Foundry AM FoxPlan FPSB fraud Fred Dodds FSC FSCL FSF FSI FSLAA FSLAB FSPR fund liquidity Fund manager of the year Fund manager of the year 2020 fund performance funds management FundSource FX Gail Costa Gareth Fleming Garrison Bridge Gavin Austin Gavin Dixon GBST GDP Gender gap General Finance Generate Geneva Geoff Bascand geopolitical George Carter George Kerr Getting to Know GFNZ Gisborne Global Financial Services global markets Global Pacific GMI gold goldman sachs Good Customer Outcomes government GRA Graeme Wheeler Grant Robertson Grant Willis green investment greenwashing Grosvenor Financial Services GRTV GST Guardian Trust guidance Hamilton Hindin Greene Hamish Douglass Hanover Harbour Asset Management Harmoney Hatch Haven Hawkes Bay health insurance healthy homes Heartland heat pump Heathcote heating HER HFANZ high-risk investment Hobson Wealth home equity release home loans Honours Hotel house insurance house prices housing market Housing rules housing shortage housing supply HSBC Hubbard Hugh Stevens Hunter Hall Hunter Investment Management hybrid IAG Ian Harrison ICBC ICSL IDS IFA IFRS 17 IFSO Ignite iLender IML Impact Enterprise Fund Impact investing Implemented Investment Solutions IMT incentives Income Protection indemnity insurance index funds industrial property Infinz inflation Infometrics Infrastructure ING innovation Instant Finance insulation insurance Insurance Advisers Insurance Contracts Insurance Council NZ insurance law Insurance People InsuranceLink insurer solvency insurers Insync Funds Management Integrated financial product integrated reporting interest rates interest-only mortgages Interview investment investment advice investment fund investment manager InvestNow investor confidence investor lending investor profile Invsta Inzpec IOOF iPartners IPO IRD IRESS iSelect ISG ISO IWIinvestor Jack Regan Jacqui Dean James Greig James King James Shaw Jane Wrightson Janine Grainger Janus Henderson Jarden JAVLN JBWere Jeff Page Jeff Royle Jenny Campbell Jerome Powell JLL JMI Wealth JMIS Jobline John Berry John Body John Bolton John Botica John McDermott Jon-Paul Hale Jonathan Beale Jordi Garcia Juno Kāinga Ora KAN Kaplan Karen Chang Karty Mayne Kat Church Katrina Shanks Kelvin Davidson Kensington Swan Kepa Kepler Kernel King Tide Kingfish Kiwi Adviser Network kiwi wealth Kiwibank KiwiBuild KiwiSaver KiwiSpend KiwiWrap Konnect Net Kōura Wealth KPMG Kris Ballantyne Kris Faafoi Kris Pedersen Lance Walker landlords Lawyers LBA leaky homes leases legacy products Legacy Trust Legg Mason legislation Lending Lending Crowd LendMe letting fees level five Level Premium LFG Liam Mason Liberty licensing Life insurance LifeDirect lifestages Lifetime Line Capital Link Home Loans Link Market Services liquidity Lisa Turnbull listed property Listed trusts listings LM Investment Management Loan Market lockdown lockdown opportunities Lockton locum Loss of earnings LVR Macquarie Macro Prudential Tools MACs Magellan Makao managed funds Maple-Brown Abbott Marie Quinn Mark Lister Mark Solomon Mark Wilson Market Close Market Manipulation market outlook marketing Markets Marsh Martin Hawes MAS Massey University Massey University\ Matt Whineray MBIE MDRT median price median rents medical insurance Melanie Purdey Melissa Cantell Melissa Vasta Mental health Mentoring Mercer mergers and aquisitions Merx methamphetamine MFAA MFS Michael Cullen Michael Lang Michael Naylor Michael Reddell Michael Weston Micro-investing Midlands Mortgage Trust migration Mike Bignall Mike Frith Mike Moore Mike Pero Mike Taylor Milestone Milford Asset Management millennial investors Milton Jennings Mindful Money minimum standards Mint Asset Management Minter Ellison Rudd Watts MJW MJW Report MLC Wealth MMC MoBIE Model portfolios money week Moodys Morningstar Mortgage Advisers Mortgage Connect Mortgage Express mortgage holiday Mortgage Lab Mortgage Link Mortgage People Mortgage Rates Mortgage Supply mortgage terms mortgaged investors mortgages Mosaic MPs MSCI MTF multi-unit property MunichRe Murray Weatherston MyFiduciary mySolutions NAB Nadine Tereora Naomi Ballantyne National Capital NBDTs Neon Nest Home Loans new build new build exemption new build lending new listings new regime New Zealand Initiative Newpark Newton Ross Ngāi Tahu nib Nick Goodall Nick Stanhope Nick Tuffley Nigel Tate Nikko AM nominated representatives non-bank lenders non-disclosure Norman Stacy Northern Trust NZ Funds NZ Home Loans NZ Income Insurance scheme NZ Super NZ Super Fund NZAM NZBA NZBritannia NZCFS NZCGP NZCU Baywide NZFSG NZGIF NZHL NZI NZIER NZIG NZIIS NZMS NZPIF NZQA NZSA NZX NZX Wealth Technologies NZXWT Obituaries OCR OCR forecasts Octagon Octagon Asset Management OECD office space OMNIMax OnePath Open Banking Opinion Opteon P2P PAA PAA Holiday Homes Pain and Gain Report parliament Partners Life partnerships Passive Pathfinder Pathfinder Asset Management Paua Wealth Paul Glass Paul Goldsmith Paul Gregory Paul Huxford PDS Pearlfisher Capital Peer to Peer Lending Pencarrow pension transfers people Pepper Money Performance fees Perpetual Guardian Peter Lee Peter Leitch Petra Lucioli PGC Pharmac Phil Twyford Philantrophy PI PIE pie funds PIMCO Pinnacle Life Pioneer Capital Pivotal Planet planning platform Platinum Asset Management Plus 4 Plus4 Insurance PM Capital PMG Podcasts policy ownership politics ponzi Pope & Co population growth portfolio monitoring PreferredNZ Premia Partners premiums PRI price fixing price growth prime lending privacy Private equity private funding private pensions pro-bono Productivity Commission Professional Advisers Associations Professional Development professional indemnity Professional IQ PROMINZ Property Council property development Property Institute property investment property management property syndicate property valuers property values proptech Prospa Prosper Group protection gap Public Trust PWA PwC Pzena Q Group QBE QE QFE QROPS QSBO Quadrant PI qualifications quality mark QuaySt Quest Insurance Quotemonster QV RaboDirect Ralph Stewart Ratebroker rates Ratings RBNZ real estate Real-iQ Realestate.co.nz Rebecca Thomas recession record-keeping recruitment redundancy cover Refer Direct regional review registered financial advisers regulation REINZ Remarkable Capital renovation rent control rental market rental returns rents replacement business research Research IP Reserve Bank residential property RESIMAC resolution institute Resolution Life resource consent responsible investing Responsible Investment Association Responsible lending retail investment retirement Retirement Commissioner Retirement Income Group returns reverse mortgages revolving credit RFA Rhiannon McKinnon RIAA Richard James Richard Klipen Richard Klipin Ringa Hora risk risk analysis risk management risk profile Rival Wealth RMA Rob Everett Rob Flannagan Rob Hennin roboadvice Rod Severn Rosemary Hassan Rosewill Consulting Ross Asset Management Ross McEwan Rothbury Royal Commission RTA Rupert Carlyon rural investment Russell Hutchinson Russell Investments Ryan Edwards S&P S&P Dow Jones sales activity Salt Salt AM Sam Dickie Sam Stubbs Sam Tremethick Samantha Barrass Sarah Vrede Sargon Satish Ranchhod Saturn SBS scam Scholarship ScotPac securitisation security Select Home Loans Select Investments Select Wealth self-employed lending Senior Trust Sentro serious fraud office Share share markets Sharecare Sharesies Sharetrader Shariah Sharon Zollner Sharron Botica Shaun Drylie sidecar savings SiFA Silverfin Simon Angelo Simon Botherway Simon Fisher Simon Hassan Simon Manning Simon Power Simon Rolland Simon Tohill Simon Tong Simplicity single adviser FAP Situations Vacant Smartshares SME SME lending SOA social media Society of actuaries soft commission Sorted SOS Southern Cross Southern Cross Healthcare Southern Cross Partners Sovereign Spicers SPIVA Sponsored Content Squirrel SRI Stake Startup Advisors Council Stats NZ Steffan Berridge Stephen Bennie Stephen Jonas Stephen Massey Stephen O'Connor Steve Burgess Steve Jurkovich Steve Wright Stewardship code Stewart Group Stewart Investors Strategi strategies Strategy Financial succession Sue Brown suitability Summer Suncorp Super City Mortgages superannuation Superlife SuperRatings supply Susan Peterson Susan St John Susan Taylor Sustainability Sustainable Business Network Sustainable Finance Forum Swiss Re Symon Brewis-Weston syndicated property investment syndicates Synergy T Rowe Price Tahi LP Tahito TAP tax tax working group TCFD TCIT tech innovation technology tenancy reform Tenancy Services Tenancy Tribunal tenants term deposits term out Terry Moore TFAS The Advice Group The Advice Hub The Adviser Platform The Answers The Aotearoa Circle The Co-operative Bank The Mortgage Lab The Wrap Thom Bentley Tiger Tim Fairbrother Tim Grafton TMM OCR Preview Survey TMM Opinion TMM people Tony Alexander Tony Hildyard Tony McCombs Tony Mount Tony Vidler Totara Wealth Management Tower Insurance Tower Life TPD Trade Me Property Trail trail commission Trauma Travel insurance Treasury Trends Trevor Slater Triple A TripleA triplejump Trusted Adviser trustee Trustee Partners Trustees Executors trusts TSB turnaround times Turners UDC UHNWIs UK Pension Transfers Underwriting unemployment UniMed Unit Titles Unitary Plan UNPRI urban development US Valocity valuations value growth Van Eyk Vanessa Rayner Vanguard Variable Annuities venture capital vertical integration VFM Vitality Vittoria Shortt volatility Volo VR vulnerability wage wage subsidy Warren Couillault wealth management platform Wealth Technologies Wealthpoint Weapons investment Webinars Wellbeing Wellington Wellness Westpac wholesale Wills women workplace savings nz Wrap Platforms WRF WSNZ XFrame Xplan yield Youi young investors Zagga Zanoma Zenith ZIP


text:
Affiliate Marketing 101 (Self Hosted Video)
[pullquote]If you like the format of the video above, we have put together dozens of others for everyone who purchases X. Learn about all sorts of different topics like Affiliate Marketing, Email Marketing, SEO, Digital Products, and more.[/pullquote]
For those looking for a more customized solution, you can upload your own self-hosted videos using the nifty Video Post Format right from within your dashboard. Each video will be fully responsive and look great on any device!
Simply create a post like you always would, select Video in the format box, then enter the destination of your video file (MP4, M4V, OGV) right below the main content area. In addition you can select the desired aspect ratio for optimum viewing.
Like above, you can optionally set a featured image that will show before the video is played.


text:
Yell Wooden Animals Shrine (Set of 6)
**Please read before purchasing**
All our products are purchased from the trusted and authorised distributors and our warehouse is secured with CCTVs to avoid any mishandling and any form of inappropriate behavior/action from our staff. We have been in the business for more than 20 years and we always uphold our ethics, values, and standards. All our products are handed over to our customers in their original form since we received them from the supplier. New and sealed. We will not repackage or reseal the products for sales. Therefore, any product sold on this platform will not be refunded if the buyer suspects that the item ordered is tempered. If the buyer felt that the item was severely damaged during delivery, kindly use the official channel provided by the platform to file for a claim/dispute.
Terms & Conditions
Stay in the loop with the latest from PLAYe. Sign up for our newsletter today!


text:
By Elizabeth B. Pryor
CSCE Senior Advisor
On July 21, 2004, the bipartisan leadership of the U.S. Commission on Security and Cooperation in Europe (Helsinki Commission) responded to a Declaration signed by nine members of the group known as the Commonwealth of Independent States. The text was presented to the OSCE Permanent Council earlier this month by Russia 's Ambassador to the OSCE, Alexey N. Borodavkin. The presidents of Armenia, Belarus, Kazakhstan, Kyrgyzstan, Moldova, the Russian Federation, Tajikistan, Ukraine and Uzbekistan signed the declaration. CIS members Azerbaijan and Georgia declined to sign. Turkmenistan did not participate. While acknowledging that the OSCE occupies "a key place in the European security architecture," the Declaration maintains that the organization has been unable to adapt to the changing political and security environment.
The Helsinki Commission leadership – Chairman Representative Christopher H. Smith (R-NJ), Co-Chairman Senator Ben Nighthorse Campbell (R-CO), House Ranking Member Representative Benjamin L. Cardin (D-MD) and Senate Ranking Member Christopher J. Dodd (D-CT) – responded to each of the nine presidents who signed the Declaration.
The Commissioners noted that three of those signing the Declaration, President Nazarbaev of Kazakhstan, President Akaev of Kyrgyzstan, and President Karimov of Uzbekistan actually signed the original Helsinki Final Act document when their countries were accepted as OSCE participating States in 1992. In the letter to President Nazarbaev, the Commission leaders stressed that they "were particularly troubled to see Kazakhstan included on the signatories to the declaration, since you have expressed an interest in undertaking the chairmanship of the organization [OSCE] in 2009."
In their replies, Commissioners agreed about the importance of the Vienna-based OSCE and that its ability to adapt was essential to its continued relevance. They pointed out, however, that many of the assertions of the Declaration were already being addressed by the participating States.
The CIS signatories had criticized the OSCE for "failing to implement in an appropriate manner" the fundamental documents of the organization, stating that the OSCE is not observing an allegedly agreed Helsinki principle of non-interference in internal affairs. Refuting the assertion that the OSCE was failing to implement its principles, the Commission leaders pointed out that the participating States, not the organization, are responsible for such implementation: "We should look to capitals when failures in implementation arise, not Vienna ." On the matter of "internal affairs," the leadership reminded the presidents that this issue was definitively decided in the politically-binding concluding document to the 1991 Moscow Human Dimension meeting, which states: "They [the participating States] categorically and irrevocably declare that the commitments undertaken in the field of the human dimension … are matters of direct and legitimate concern to all participating States and do not belong exclusively to the internal affairs of the State concerned."
Turning to the assertion that there is a serious imbalance between the three security dimensions of the OSCE – political-military, economic and environmental, and the human dimension – the Commissioners noted that since the issue of "imbalance" in OSCE priorities was raised several years ago, there has been significant movement in anti-terrorism and tangible military security issues. For example, path-breaking agreements on export controls for MANPADs, on assistance for reduction of excess ammunition, and on uniform standards for travel documents have been achieved in the last few months. The economic dimension is also being revitalized. For example, the OSCE has the most concrete and robust action plan to fight human trafficking of any international organization. The OSCE Parliamentary Assembly has called for a ministerial-level meeting to discuss ways of halting terrorist financing and has spoken out for increased membership in the World Trade Organization. Though welcoming the development of all of the OSCE dimensions, the Commissioners took issue with the idea that this should come at the expense of the promotion of human rights.
The CIS signatories expressed concern that human dimension activities are concentrated in the states of the former Soviet Union and former Yugoslavia , and that unfair standards regarding elections are directed at these nations. They went on to accuse OSCE missions of focusing on human rights and democratic development at the expense of the "full range of work covered by the Organization."
In response to the assertion that undue concentration was focused on human rights in the countries of the CIS and former Yugoslavia , the Commission leaders noted that on 85 occasions since January 2003 the Helsinki Commission had addressed, often publicly, human rights concerns in NATO countries. Public criticism of actions by the United States , as in the recent criminal treatment of prisoners in Abu Ghraib prison, has also been made in OSCE meetings and has been taken seriously. The United States has made clear that free and fair elections are crucial to the ongoing process of democratic development and welcomes election monitors to its own national elections in November 2004.
The letters also addressed the continued need to locate missions or other OSCE representatives in the former Soviet and Yugoslav countries. In the case of every signatory to the CIS Declaration, there are persistent human rights violations and backward trends on democratic development. Specific concerns were cited for each country, including fraudulent conduct of elections, hindrance of free media, curtailment of religious freedom and freedom of assembly, corruption among public officials and, in several of the countries, detention of political opposition leaders. These abuses have been documented in the Commission report Democracy and Human Rights Trends in Eurasia and East Europe. It is with the goal of reversing these trends that all OSCE states have agreed to the establishment and retention of these missions. The poor implementation record on OSCE commitments argues for the continued necessity of these field offices, the Commissioners concluded.
Finally, the leaders of the Commission expressed the hope that the discussion of OSCE's development would move beyond the Declaration's inaccurate reinterpretations of key OSCE documents and center on concrete suggestions. They welcomed any positive proposals that the presidents might offer. In this, as in all their work, the Helsinki Commission expressed confidence that by working together, the States of the OSCE region could reach their goal of true security and cooperation in Europe.
The United States Helsinki Commission, an independent federal agency, by law monitors and encourages progress in implementing provisions of the Helsinki Accords. The Commission, created in 1976, is composed of nine Senators, nine Representatives and one official each from the Departments of State, Defense and Commerce.


text:
Political parties, activists and Islamist groups in Egypt are threatening more mass protests in Cairo and other cities Friday against a document drafted by the interim government that would enshrine the powers of the Egyptian military.
It's the latest clash between Egypt's pro-democracy factions and the ruling military council, which is accused of clinging to power despite its pledge to cede control to an elected government.
The document was released more than two weeks ago by Egypt's interim civilian government, but analysts say there is no doubt it originated with the generals who have ruled Egypt since Hosni Mubarak resigned as president in February.
In a recent interview with Al Arabiya network, Deputy Prime Minister Ali al-Selmy defended the proposals that many complain would give the military unchecked power over Egypt. He said the measures were drafted in consultation with Egypt's political and popular forces, but critics say the only green light the government got to draft the measures came from the ruling military council.
"One of our biggest concerns with this document that the deputy prime minister and the government is presenting is that it's just a continuation of what we've seen of the military placing itself above the law," says Soha Abdelaty, deputy director of the Egyptian Initiative for Personal Rights.
She and others say the measures would give the military final say over the drafting of Egypt's new constitution.
The controversial proposals also call for the creation of a security council that would supersede any civilian government and prevent oversight of the armed forces budget, which receives more than $1 billion in U.S. aid each year. The proposals also leave intact the military's longtime hold on the Egyptian economy. The country's military manufactures a wide variety of goods and even sells gasoline to consumers.
"Some reports claim that the army controls 15 percent of the Egyptian economy; some reports claim that the army contains up to 45 percent of the Egyptian economy. We have no idea," says Amr Shalakany, an associate law professor at Cairo University. "The army is a black hole, and part of these proposals in this document are intended to sustain this, basically."
Amr Darrag heads the Giza branch of the Freedom and Justice Party, the political offshoot of Egypt's powerful Muslim Brotherhood. He believes that if the measures are adopted, the military will be as untouchable as it was during Mubarak's era.
"The previous president used to have the power — and they are also aiming for that — to have the sole authority on deciding where from to buy weapons or ... how large the weapons deals are and how much they are," Darrag says. "This is totally unacceptable."
Muslim Brotherhood spokesman Mahmoud Ghozlan says his group is planning to send its supporters into the streets Friday to demonstrate against the military until it backs down.
Many other groups and well-known figures like former Arab League Secretary-General Amr Moussa and Nobel laureate Mohammed ElBaradei are also calling for demonstrations.
A top government spokesman declined to comment to NPR about the proposals or the planned protest; nor has the military issued any comment.
But Egyptian historian Mahmoud Sabit says he doesn't believe the measures are part of a military plot to cling to power. He says the Egyptian army has crafted a role for itself as saviors over the past six decades — a role it wants to continue to fulfill.
"So the idea of throwing it into the arms of — in their view — entities or personalities who don't have the political maturity to run a modern state along these lines is not a good idea," Sabit says.
Repeated attempts by the interim government to reach a compromise with opponents of the document have failed. They say nothing short of scrapping the documents is acceptable, and have given the interim government until Wednesday to repeal the document.


text:
Curious Cat Hanging Metal Bookmark
Curious Cat Hanging Metal Bookmark -- Made To Order within 3 to 14 business days before shipping
Free Standard Postage - AUS Orders Over $199
Free Standard Postage - AUS Orders Over $199
✿ Discount automatically applied at checkout. No Promo Code Required.
✿ Free Shipping offer is shipped with Australia Post via standard parcel (not express) for delivery to addresses within Australia only.
✿ Shopping cart total must reach $199 or more after discounts to receive free shipping discount at checkout.
✿ Promotion does not apply to Express mail or International orders. Cannot be combined with any other promotions. Excludes all subscriptions, and gift cards. Discount cannot be applied to combined orders. Limited time only. Terms of offer are subject to change at any time without notification.
Free shipping policy can be viewed here.
Rewards & Planner Perks
Rewards & Planner Perks
✿ You're in for a treat if you Love stickers as much as we do... Every order comes with a FREE sticker sheet – our little gift to you!
✿ And the surprises don't stop there! When you spend $75+, you'll receive an extra FREE sticker sheet in your happy mail. With every additional $25 spent receiving a free sticker sheet up to $125. Double the excitement with double the stickers!
✿ Unlock even more reward perks when you join our exclusive Planner Perks Rewards program!
✿ Enjoy fabulous rewards with order discounts, surprise free gifts and extra reward points with each tiered VIP milestone.
It's our way of saying thank you for being part of the Planners Avenue family. Sign up now, place your order and watch the rewards begin!
*Order sub-total must reach $75 after applying discount codes, and before adding shipping fees. See this month's freebie offer on our socials and newsletter. Happy planning! ✿
Fast Dispatch & Shipping Info
Fast Dispatch & Shipping Info
🛒 Order before 10.00am Monday to Friday for next business day dispatch.
✿ Excludes made to order, subscriptions, pre-order & during sale events.
✿ We use Australia Post for our deliveries. You can expect your parcel within 2-14 business days from when it leaves our warehouse.
Orders shipped outside Australia may be subject to additional duties and taxes. Additional duties and taxes are due on delivery and are your responsibility to pay.
Both shipping and delivery policy can be viewed here.
Hassle Free Returns & Easy Exchanges
Hassle Free Returns & Easy Exchanges
❤ Customer satisfaction is so important to us!
✿ We are so confident you will love our product (it's the best planning stationery out there) that you won't want to return it; however, if you do, please contact us via email to discuss this further.
✿ If, after receiving your item, you feel an alternative planning item would be more appropriate, e.g., the weekly planner instead of the daily planner, we will happily exchange the item for you, as long as it's returned in 'as new' condition. Please contact us via email to arrange.
Both return and exchange policies can be viewed in full here.
Mark your page in style with our Curious Cat Hanging Metal Bookmark! This custom-tooled, black metal bookmark has a fun, quirky design featuring a cat using its tail to mark your place - purr-fect for every book-loving cat person! Get yours today and add a unique, cool accessory to your book collection.
Mark your place with this cute, custom-tooled metal bookmark!
Features of Curious Cat Hanging Metal Bookmark
- Our Curious Cat uses its tail to keep your place in your favourite book.
- A unique book accessory!
- Suitable for gift-giving.
- Purr-fect for every book-loving cat person you know!
- Fun black metal bookmark is packaged in a clear plastic protective sleeve.
- Sleeve measures 2-1/2'' wide x 8-3/8'' high.
Safe & Secure
Payment methods
Your payment information is processed securely. We do not store credit card details nor have access to your credit card information.


text:
Adult Female
Name: unnamed
Species: Phoenix
Birthday: Tuesday, July 9, 2024
Owner: hdwilli
Element: Fire/Life
This magnificent phoenix has matured to its adult form. Its radiant wings and majestic flight are most impressive. A sharp beak is a powerful tool in battle, yet is typically only used for feeding. Mostly living in extremely hot lands, phoenixes are mostly encountered in deserts and around volcanoes in the far south. Bright orange and red warns other creatures of a phoenix's presence, and in due respect, most animals do not approach. An adult phoenix is a powerful ally, with great power over flame, and a creature you would not wish to face in the wild.
Phoenixes are incredibly hot and bright in color. When a Phoenix dies it is consumed in flames, and a new phoenix egg is left in the ashes. Because of their unique pattern of rebirth, phoenixes live for many centuries, and become extremely wise and ancient. As adults, they are beautiful birds with feathers resembling flames, and are extremely adverse to any cold climates. They have incredible mastery over fire, and on a cold winter night will light a magi's fire with nothing more than a glance.
Sprite art: Rijolt (adult) | Description: Damien | Side art: GlassWalker


text:
Baghdad, AP—Militants in Iraq launched an audacious attack on a military barracks in a remote area in the country's north and killed 20 troops overnight, including some who had been bound and shot at close range, authorities said Sunday as other attacks killed 18.
The killings at the military barracks in the village of Ayn Al-Jahish outside of Mosul mirrored two previous assaults earlier this year in the area targeting security forces. It also represents the latest blow to the government's efforts to achieve stability in restive Sunni-dominated areas.
Gunmen staged the assault late Saturday night, two police officers said, shooting some at short range while others died fighting the insurgents when they stormed the barracks. A medical official, who confirmed the causality number, said 11 troops had their hands tied behind their backs and suffered close-range gunshots to the head.
The slain troops were in charge of protecting an oil pipeline that sends Iraqi crude oil to international markets and guarding a nearby highway. Attacks on the pipeline are common in that area near Mosul, located about 225 miles (360 kilometers) northwest of Baghdad.
No group immediately claimed responsibility for the barracks attack. However, it mirrored a February attack in the area claimed by the Al-Qaida-breakaway group the Islamic State of Iraq and Syria (ISIS). In that one, fighters from the group killed 15 soldiers at the barracks, beheading some of them. In April, militants killed at least 10 soldiers at a base outside of Mosul.
Mosul, Iraq's second-largest city is a former insurgent stronghold. It was Al-Qaida's last major urban stronghold in the country before US troops wrested back in 2008. However, Sunni insurgent groups remain strong in the region long after the US withdrawal from the country, challenging Iraq's Shi'ite-led government.
Recent attacks come amid a surge in violence to levels unseen in Iraq since 2008. Last year, Iraq saw its highest annual death toll since 2007 with 8,868 people killed, according to United Nations figures.
The insurgents also have been emboldened by the civil war in Syria, where rebels are fighting to oust the regime of President Bashar Al-Assad, a follower of a Shi'ite offshoot sect. The rebels are dominated by Islamists and members of Al-Qaida-linked or inspired groups, including ISIS. Shi'ite militiamen from Iraq fight on the side of Assad's forces.
It's been the most serious challenge to the government's efforts to achieve stability in Iraq, which just had its first parliamentary election since the US withdrawal. Confrontations over Sunni protests in December saw security forces withdraw from areas in Anbar province, allowing militants to take over the city of Fallujah and parts of the provincial capital of Ramadi.
Other attacks continued Sunday.
In the town of Adeim, about 60 miles (100 kilometers) north of Baghdad, gunmen in a speeding car opened fire on members of the Sahwa militia, which joined forces with US troops at the height of the Iraq war to fight Al-Qaida, killing seven, police and military officers said.
Outside of Mosul, gunmen attacked a joint checkpoint for Iraqi police and the Sahwa, killing three police officers and one Sunni militiaman, another police official said. Another Sahwa member was killed along with his brother and son when gunmen stormed his house in the town of Youssifiyah, 12 miles (20 kilometers) south of Baghdad.
At night, police said a suicide bomber drove his explosive-laden car into a security checkpoint in Mosul, killing three soldiers and a policeman.
Medical officials confirmed the casualty figures. All officials spoke on condition of anonymity as they were not authorized to release the information to journalists.


text:
How Fast Is the Cash at Bel Fuse?
It takes money to make money. Most investors know that, but with business media so focused on the "how much," very few investors bother to ask, "How fast?"
When judging a company's prospects, how quickly it turns cash outflows into cash inflows can be just as important as how much profit it's booking in the accounting fantasy world we call "earnings." This is one of the first metrics I check when I'm hunting for the market's best stocks. Today, we'll see how it applies to Bel Fuse (NAS: BELF.B) .
Let's break this down
In this series, we measure how swiftly a company turns cash into goods or services and back into cash. We'll use a quick, relatively foolproof tool known as the cash conversion cycle, or CCC for short.
Why does the CCC matter? The less time it takes a firm to convert outgoing cash into incoming cash, the more powerful and flexible its profit engine is. The less money tied up in inventory and accounts receivable, the more available to grow the company, pay investors, or both.
To calculate the cash conversion cycle, add days inventory outstanding to days sales outstanding, then subtract days payable outstanding. Like golf, the lower your score here, the better. The CCC figure for Bel Fuse for the trailing 12 months is 115.4.
For younger, fast-growth companies, the CCC can give you valuable insight into the sustainability of that growth. A company that's taking longer to make cash may need to tap financing to keep its momentum. For older, mature companies, the CCC can tell you how well the company is managed. Firms that begin to lose control of the CCC may be losing their clout with their suppliers (who might be demanding stricter payment terms) and customers (who might be demanding more generous terms). This can sometimes be an important signal of future distress -- one most investors are likely to miss.
In this series, I'm most interested in comparing a company's CCC to its prior performance. Here's where I believe all investors need to become trend-watchers. Sure, there may be legitimate reasons for an increase in the CCC, but all things being equal, I want to see this number stay steady or move downward over time.
Source: S&P Capital IQ. Dollar amounts in millions. FY = fiscal year. TTM = trailing 12 months.
Because of the seasonality in some businesses, the CCC for the TTM period may not be strictly comparable to the fiscal-year periods shown in the chart. Even the steadiest-looking businesses on an annual basis will experience some quarterly fluctuations in the CCC. To get an understanding of the usual ebb and flow at Bel Fuse, consult the quarterly-period chart below.
Source: S&P Capital IQ. Dollar amounts in millions. FQ = fiscal quarter.
On a 12-month basis, the trend at Bel Fuse looks less than great. At 115.4 days, it is 2.0 days worse than the five-year average of 113.4 days. The biggest contributor to that degradation was DIO, which worsened 7.7 days when compared to the five-year average.
Considering the numbers on a quarterly basis, the CCC trend at Bel Fuse looks good. At 107.3 days, it is little changed from the average of the past eight quarters. With both 12-month and quarterly CCC running close to historical averages, Bel Fuse gets a passing grade in this cash-conversion checkup.
Though the CCC can take a little work to calculate, it's definitely worth watching every quarter. You'll be better informed about potential problems, and you'll improve your odds of finding underappreciated home run stocks.
Internet software and services are being consumed in radically different ways, on increasingly mobile devices. Does Bel Fuse fit in anymore? Check out the company that Motley Fool analysts expect to lead the pack in "The Next Trillion-dollar Revolution." Click here for instant access to this free report.
Add Bel Fuse to My Watchlist.
The article How Fast Is the Cash at Bel Fuse? originally appeared on Fool.com.
Seth Jayson had no position in any company mentioned here at the time of publication. You can view his stock holdings here. He is co-advisor ofMotley Fool Hidden Gems, which provides new small-cap ideas every month, backed by a real-money portfolio. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
Copyright © 1995 - 2013 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.


text:
Dhruv Darji
They are very helpful & quick to reply.
They are very helpful & quick to reply.
2 days ago
Phoenix Contact 1133927 available at EU Automation. Get in touch today for a quick price.
Based on over 4300 reviews
Availability: Enquire
Full 12-month warranty
Available for dispatch immediately
We deliver worldwide
Manufacturer: | Phoenix Contact |
Part number: | 1133927 |
All orders are subject to product availability. See our T&Cs.
Ask our team
Ask our team
Global supplier of quality automation and control components
Dispose of your old unit by exchanging it for a working part.
A comprehensive repair service for faulty equipment.
Discover how we do our part to keep your production lines moving.
How do I submit a part enquiry?
How long is my quote valid for?
Why can't I see a price for a part?
Are the parts fully tested?
Do you provide warranty as standard?
Do you offer global delivery?
How long will it take for my part to arrive?
What payment options and currencies do you accept?
We're having trouble submitting your query at the moment. Please check your internet connection and refresh the page to try again.
Get in touch with our team directly and they'll be happy to help.


text:
As the spring housing market kicks off, you likely want to know what you can expect this season when it comes to buying or selling a house. While there are multiple factors causing some uncertainty, including the conflict overseas, rising inflation, and the first rate increase from the Federal Reserve in over three years — the housing market seems to be relatively immune.
Here's a look at what experts say you can expect this spring.
1. Mortgage Rates Will Climb
Freddie Mac reports the 30-year fixed mortgage rate has increased by more than a full point in the past six months. And despite some mild fluctuation in recent weeks, experts believe rates will continue to edge up over the next 90 days. As Freddie Mac says:
"The Federal Reserve raising short-term rates and signaling further increases means mortgage rates should continue to rise over the course of the year."
If you're a first-time buyer or a seller thinking of moving to a home that better fits your needs, realize that waiting will likely mean you'll pay a higher mortgage rate on your purchase. And that higher rate drives up your monthly payment and can really add up over the life of your loan.
2. Housing Inventory Will Increase
There may be some relief coming for buyers searching for a home to purchase. Realtor.com recently reported that the number of newly listed homes has grown for each of the last two months. Also, the National Association of Realtors (NAR) just announced the months' supply of inventory increased for the first time in eight months. The inventory of existing homes usually grows every spring, and it seems, based on recent activity, the next 90 days could bring more listings to the market.
If you're a buyer who has been frustrated with the limited supply of homes available for sale, it looks like you could find some relief this spring. However, be prepared to act quickly if you find the right home.
If you're a seller, listing now instead of waiting for this additional competition to hit the market makes sense. Your leverage in any negotiation during the sale will be impacted as additional homes come to market.
3. Home Prices Will Rise
Prices are always determined by supply and demand. Though the number of homes entering the market is increasing, buyer demand remains very strong. As realtor.com explains in their most recent Housing Report:
"During the final two weeks of the month, more new sellers entered the market than during the same time last year. . . . However, with 5.8 million new homes missing from the market and millions of millennials at first-time buying ages, housing supply faces a long road to catching up with demand."
What does that mean for you? With the demand for housing still outpacing supply, home prices will continue to appreciate. Many experts believe the level of appreciation will decelerate from the high double-digit levels we've seen over the last two years. That means prices will continue to climb, just at a more moderate pace. Most experts are predicting home prices will not depreciate.
Won't Increasing Mortgage Rates Cause Home Prices To Fall?
While some people may believe a 1% increase in mortgage rates will impact demand so dramatically that home prices will have to fall, experts say otherwise. Doug Duncan, Senior Vice President and Chief Economist at Fannie Mae, says:
"What I will caution against is making the inference that interest rates have a direct impact on house prices. That is not true."
Freddie Mac studied the impact that mortgage rates increasing by at least 1% has had on home prices in the past. Here are the results of that study:
As the chart shows, mortgage rates jumped by at least 1% six times in the last thirty years. In each case, home values increased.
So again, if you're a first-time buyer or a repeat buyer, waiting to buy likely means you'll pay more for a home later in the year (as compared to its current value).
Bottom Line
There are three things that seem certain going into the spring housing market:
- Mortgage rates will continue to rise
- The selection of homes available for sale will modestly improve
- Home prices will continue to appreciate, just at a slightly slower pace
If you're thinking of buying, act now before mortgage rates and home prices increase further. If you're thinking of selling, your best bet may be to sell soon so you can beat the increase in competition that's about to come to market.


text:
In order to receive information about your Personal Data, the purposes and the parties the Data is shared with, contact the Owner.
For more information and to understand your rights, you can also view the complete version of this privacy policy, by clicking the link at the bottom right of this page.
CastFloor di Castellani Giovanni
Viale Venezia, 80
33033 – Codroipo (UD)
Owner contact email: firstname.lastname@example.com