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What is a loan-to-value ratio in an auto loan? A loan-to-value ratio (LTV) is the total dollar value of your loan divided by the actual cash value (ACV) of your vehicle. It.
· Car loan value is important because it dictates the maximum amount that may be financed on a new or used car purchase, relative to the manufacturer's suggested retail price (MSRP) or book value of a vehicle. Loan value is established so that the lender can limit the amount it finances on a depreciating asset like a car.
Calculate the equity available in your home using this loan-to-value ratio calculator. You can compute LTV for first and second mortgages.
Hobby-Specific Financing. This is a fairly new alternative for someone wishing to buy an antique, classic or collectible vehicle. The loan representatives understand the collector car market – namely, why a 40-year old car might cost upwards of $100,000, or much more.
How To Buy Forclosure Home What Is Home Mortgage Harp 2.0 Refinance Program What Is a Mortgage? Your Go-To Guide to Getting a Home Loan. – Mortgage payments explained. principal: This is the amount of money that you are borrowing and must pay back, which is the price of the home minus your down payment (taking the above example, you'd subtract $40,000 from $200,000 to get a principal of $160,000). Interest: Lenders don't just loan you the money because they're good guys.
Free auto loan calculator to determine monthly payment as well as the total cost of an auto loan, while accounting for sales tax, registration, fees, trade-in value, and more. Also, learn more about auto loans, experiment with other, or explore other calculators covering finance, math, fitness, health, and many more.
Past Due Mortgage Payments Past due is a loan payment that has not been made as of its due date. A borrower who is past due may be subject to late fees, unless the borrower is still within a grace period. Failure to repay a.
Mortgage Rate And Apr Difference APR vs. Interest Rate. What are the Differences. – Knowing the difference can help save money on your mortgage. Interest rate can be variable/adjustable or fixed, constant for the terms of your loan. It is always shown as a percentage (%) and is the cost of borrowing the loan amount. apr includes interest rate and other costs, such as discount points, closing costs and broker fees.
EXAMPLE: Loan to Value of a Car Loan. Additionally, you would like to purchase a service protection product for $500. You will need to borrow not just the $15,000 for your car, but an extra $2,500 for your negative equity and your protection product, making the total loan amount you are seeking $17,500.
How Much Is Down Payment For House How much down payment do you need for a house? | Mortgage. – How much down payment do you need for a house? Anything from zero to 100 percent. The difference between your down payment and the purchase price is your mortgage.
Ask for the loan to value ratio for auto loans. The LTV is the maximum percentage of the book value the lender will let you borrow. Used car loan value is calculated using the LTV. If your bank tells you the LTV is 80 percent and you found that the book value of the vehicle is $15,000, you'd have book value of $15,000 times 80 percent LTV,
A loan to value (LTV) ratio describes the size of a loan you take out compared to the value of the property securing the loan. Lenders and others use LTV's to determine how risky a loan is. A higher LTV ratio suggests more risk because the assets behind the loan are less likely to pay off the loan as the LTV ratio increases.
Is It Possible To Buy A House Without A Downpayment Is it possible to buy a 500k house on 60k/year salary if you save for. – You would need a downpayment that would ensure that your monthly mortgage payment (principle + interest + taxes + insurance) would stay at or below I can't even see myself spending that much on a house making the money I do. Not without transferring serious equity and cash into a down payment.


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Did you ever wish you had photos of the last time you and your Mom had dinner together? Do you remember when you and your grandmother were sitting together talking about her younger days? Do you remember when you and your children were coloring together?
We always remember to bring our cameras and take photos at graduations, weddings, and birthdays, and what about those ordinary experiences that are the source of our richest memories?
Where are those photo memories? Do you find it frustrating when you see other photos from your friends of their special moments? Would you like to be one of those people who always have photos of those daily living moments of the people you love?
You do not need to struggle any longer. Here is how you can successfully photograph and document special ordinary moments with the people you love.
First and more importantly, always carry your camera, charge it, and use it.
Remember, the people you are photographing will act more naturally once they see your camera and you begin taking photos of the surroundings or setting for the scene. Always take more photos than you think is necessary for those less than stellar ones.
While taking photos of the people involved, always take multiple shots of the scene, before during, afterward since many people are light-sensitive and often blink – especially if there are multiple people in the scene. My mother is light-sensitive; therefore, I always take a minimum of three photos with her in the scene for this reason.
Here are my ten tips on how you can make ordinary photos into memorable photo treasures.
1. Cradle your grandparent, parent, or child's hand in yours and take a close-up photo of only your hands together.
I do not have this type of photo with my Dad before he passed and I do have one with my grandmother and my Mom.
2. Take photos when loved ones are saying hello and goodbye. This makes a loving moment last forever.
For example, recently I took photos of my brother leaning over to hug my Mom and in the series, they were before, during, and afterward and then I chose the best of them; the most tender one with their faces side-by-side and my brother's hand on her back.
3. Take portrait photos of your loved ones capturing their lifelong beauty at different times during their lifetime. It is always nice to look at the changes over time and we always appreciate our photos of our younger days.
Because I am an avid photographer, I have a long list of photos of my Mom from a variety of activities, events, parties, and ordinary times and it is wonderful to see her life unfold through my photos.
4. You can take photos of your family and friends at breakfast, lunch, or dinner anytime to document your experiences. Take them before the meal and in groups of people around the table. Make sure everyone is included (the photographer too!). The cook/chef will feel proud too!
5. You can capture photos of people milling around the kitchen where everyone tends to congregate doing ordinary chores or merely conversing.
The children can complain later when they always had to wash the dishes – there is the photo to prove it!
6. If you snap photos of the family doing ordinary things, such as reading a book, watching a movie or TV, snacking on popcorn together, playing games or with toys, reading the newspaper or a magazine, working on the computer, there will be a document of how they spent their days.
7. Take photos of people doing their hobbies, playing music, dancing, singing, tinkering, building things, working on things, gardening, painting/drawing, knitting/crocheting/sewing, etc. It is important to document their creation process with several shots. This is the most often overlooked photo of your family.
My Dad was handy around the house and he was always tinkering with cars and he could fix or repair anything, yet, we have only one photo of him working on a car engine.
8. You can make great family memories with photos of someone bringing the food to the table, not only at Thanksgiving, and on ordinary days with favorite family meals from a favorite recipe.
I have several photos of my Mom and my sister bringing great meals to the table, which also documents their cooking abilities.
9. Children playing games outside and with toys in the house are always a fun photo memory.
My Dad took some photos of us playing at the park when we were very young and they are more special than big event photos.
10. Pet photos can be humorous and entertaining even when they are posing, sleeping, begging for treats, playing with other pets and children, walking, and eating. They never complain and are never camera-shy.
My dogs, Fuzzy and Romeo, pose quite naturally and always look adorable to me no matter what they are doing and I am grateful for my photos of them.
Years from now, you will treasure these timepiece memories and you will wish that you had more of them. Begin now; you can make ordinary photos into memorable photo treasures with these tips. Enjoy your memories!


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Floating particles may play role in mitigating loss of Arctic sea ice, new study shows
The same effect that keeps an icy drink from spilling over may help prevent waves from accelerating loss of sea ice, researchers find.
By KATIE WILLIS
Waves created by melting Arctic sea ice may not worsen the loss of additional ice as much as has been speculated in the past, according to new research from the University of Alberta.
Bruce Sutherland, an expert in geophysical fluid dynamics, conducted a study that showed floating particles dampen surface waves and remove the energy they release.
"If you drink a margarita with rocks or slush, you'll notice that it does not slosh around as much as a glass of water," explained Sutherland.
"As the waves pass, the floating particles repeatedly separate and squish back together, forcing water to be squeezed in and out of the spaces between the particles like an accordion. With such fast motion on such small scales, viscosity efficiently removes the energy of the waves."
The same effect may also help scientists understand how climate change affects sea ice in the Arctic Ocean, Sutherland noted.
"Enhanced warming of the Arctic is already melting the sea ice, resulting in a more open ocean and larger waves," he said. "A concern is that the waves may act to break up the ice faster, so that the whole process of melting could be even faster—more broken up ice has a greater surface area, and so faster melting.
"From what we found, this possibility seems to be less of a threat."
While melting will still occur at the north and south poles as a consequence of climate change, these results may help assuage concerns about ocean waves exacerbating the loss of ice cover.
Sutherland conducted the research with mathematician Neil Balmforth at the University of British Columbia. The pair floated particles on the surface of a water tank, caused waves through a tilting motion and measured the decay in wave amplitude by analyzing videos of the experiment.
The study, "Damping of Surface Waves by Floating Particles," was published in Physical Review Fluids.


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BCV0661 - Commercial Wiring 2 (PSAV)
Credits/Clock Hours:
150 clock hours
This course is designed to give students the necessary skills to perform commercial installations. This course provides instruction in wiring techniques learned in the lab which are incorporated in the actual wiring of a building.
Corequisites: BCV0660 (with a grade of C or higher), VPI0100, VPI0200, VPI0300


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I will attending the City of Yorba Linda Woman's Club Fall Craft Faire this weekend. I am so excited to be a part of this craft event again. This event has over 150 craft vendors and admission and parking is FREE. Yorba Linda event date: November 4th, 9am to 4pm & November 5th, 10am to 4pm.
Shop small, shop local, and help support small local businesses!
New Event!
I added a new event for the month of November 2017. I am so excited to be a part of, The Art Stroll in UpTown Whittier. This event will be on Wednesday, November 8th 2017.
If you will be out in the local area, I highly recommend you come out and see all these wonderful artisans and their beautiful products. I have started to shop for Christmas Gifts already. This year I will stay away from the mall, gift cards, and Amazon. lol. I will purchase all my gifts this year at my local craft events to help small business. I purchased 2 awesome gifts already and I just cannot wait to give these gifts to the recipients.


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Endovenous Laser Treatment
Varicose Vein Removal
Varicose veins produce significant symptoms and can lead to serious medical conditions. It's hard to believe that it was just a few years ago that the only remedy for varicose veins was through surgical vein stripping. This process involved surgery followed by a lengthy recovery period.
The good news is those days are over! Boulder Vein Center is pleased to offer state of the art procedures that will eliminate varicose veins. The Venacure EVLT laser treatment is a clinically proven in-office procedure that takes about one hour. There is minimal to no scarring and no general anesthesia or hospitalization is required for this varicose vein treatment. Our patients can return to their normal routine quickly and the procedure is covered by most insurance carriers.
Endovenous Laser Ablation:
During your initial visit to Boulder Vein Center, you will be seen by one of our Registered Vascular Technologists for an ultrasound. This will be followed by a consultation with Dr. Richard Fox or Dr. Akin Beckley to determine if you are an eligible candidate for Endovenous Laser Ablation (EVLT). EVLT is a minimally invasive office-based technique for addressing the underlying cause of varicose veins. EVLT is utilized on the great and/or small saphenous veins if they are found to be incompetent or have reflux. EVLT of appropriate varicose veins shows clear patient benefits over surgery and other alternative treatments. Benefits include:
- Success rate of up to 98%
- Minimal-to-no scarring or hospitalization
- A low risk of complications
- A quick recovery with excellent patient satisfaction
Endovenous Ablation was first pioneered in 1999 and is an FDA-approved procedure for treatment of varicose veins. Dr. Richard Fox was one of the first surgeons in Boulder to offer this procedure to our community.
Laser Vein Treatment
A local anesthetic is injected into the leg to numb the area. Once this is complete, a thin laser fiber is inserted into the damaged vein through a very small entry point in the skin. This is done utilizing ultrasound guidance. A laser light is emitted through this fiber. As the fiber is pulled back through the vein, it delivers a specific amount of energy. The targeted tissue reacts with the light energy, causing the vein to close and seal shut. The veins that are closed are superficial veins that handle less than five percent of the body's blood flow. The blood is automatically routed to other, healthy veins.
The procedure itself takes about 45 minutes depending on how many veins are being treated in a single visit. Boulder Vein Center uses a gold-tipped, jacketed fiber, which prevents any contact between the fiber and the vein wall. This prevents much of the pain and bruising that is often associated with the more conventional method of vein ligation and stripping.
Some patients may experience temporary soreness or some slight swelling. This is treated effectively with over-the-counter pain relievers and typically subsides within the first five days. The small incision site(s) are covered with steri-strips and the leg(s) wrapped with ACE bandages or Compression Socks.
Learn More About Pre-Procedure Instructions
Learn More About Post-Operative Instructions
Varicose Vein Removal Frequently Asked Questions
Please contact Boulder Vein Center at


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Hello everyone,
And welcome to our blog! A little background, I am Roseann and my Daughter Marissa is with me on a new venture. We are romance book lovers, we borrow and trade books regularly. Around six months ago we both had the same great idea, "Open our own Romance only book store." And as the saying goes, the rest is history! LOL
So this blog is all about our steps on the way.
First the name, for about a month we both wrote down names that came to us. We wrote them out on a dry erase board, and walked past them regularly. Finally after a month of playing with names we decided on Love's Sweet Arrow! It was unanimous.
Since then, we have been doing research, research, and more research! Have you ever looked up an author you love? Let me tell you, its fun to learn more about them. And there info can lead to five more authors and so on… And the Only problem with that is now I have even more books to add to my read list!


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So here he is getting the sugar out for me.
Pouring the sugar in!
When baby heard the beaters turn on, it wasn't long before she was right
there with big brother.
The two little ones, big brother did an excellent job with the beaters.
I think he felt really grown up for being able to do that for me.
He also helped me put the chocolate chips on top of the muffins.
Here is baby girl, can you guess what she was eating??
We had a good time in the kitchen! The muffins were a usual hit at suppertime, which we invited Opa and Oma (my parents) to stay and enjoy with us.


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Kinderdijk | Viking Cruise
by Elouise
What's missing from this picture? Wind! Not a breath of it while we were there. Still, the windmills were spectacular.
We sailed all night from Amsterdam, and arrived midmorning at Kinderdijk, a UNESCO World Heritage site. It was constructed as an outdoor museum, with examples of old windmills. Though they aren't now used to drain water from low-lying land, they are functional. Citizens apply to live in them, with or without children. It's considered an honor, and requires daily attention to maintenance and to changing winds to keep super-heavy windmill blades in motion.
Kinderdijk means "children's dike." According to legend, it's all about a cat, a cradle, and a baby who survived a storm thanks to a dike and a cat's faithful instincts! The site includes a system of 19 windmills and was built around 1740. This is the largest concentration of windmills in the Netherlands today.
It's 1421. A humongous storm and flood have subsided. Only one polder in the area isn't flooded. A polder is a piece of low-lying land reclaimed from the river or sea via pumping the water up, out beyond dikes.
A rescuer goes out, walking along the dike to see what might be salvaged. There floating on the water is a wooden cradle! As it gets closer, he sees a cat in the cradle jumping back and forth, keeping it afloat and dry. Then, when it's closer to the dike, he sees a baby sleeping in the cradle. A survivor, thanks to kitty's great balancing act!
This story is celebrated in a folktale, "The Cat and the Cradle." The cradle below commemorates kitty and baby's successful cruise.
So how about a look at one windmill that allows us to get up close and personal?
Like most windmills on this site, it's a grondzeiler, or 'ground sail windmill,'
so called because the sails almost touch the ground as they turn.
First, a view from the outside, looking up.
Can't help noticing how huge these things are
and how much human-power it takes to move the sails
when the wind changes direction.
Now for the interior of this 'house.'
Don't touch anything! Keep moving single file,
keep your head down, and be sure your walky-talky is turned on!
First, the main room. This is it, for all practical purposes.
Tiny, cramped and functional,
with touches of charm here and there.
I was told the short 'double' bed is also the lavatory.
Chamber pot conveniently located at the foot of the bed.
Out of sight.
On our way out, we pass by some of the internal workings,
and get a welcome glimpse out the back window.
One more look up from the back of the windmill —
And a quick look at what it takes to drain the polder today.
Stay tuned for more!
© Elouise Renich Fraser, 28 February 2017
Photo credit: DAFraser, July 2016, Kinderdijk, The Netherlands


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Monthly Archives: August 2015
You are not alone
You are not alone. If you suffer from urinary incontinence or pelvic organ prolapse, you are not alone. Recent research indicates that women with pelvic floor disorders are not alone. A large analysis of women in the United States looked … Continue reading
Question from a patient: I have pressure in the uterus area, which seems less after urinating. Could I be dealing with a fallen uterus?
A fallen uterus (also called uterine prolapse) can occur when the normal suspensory ligaments that support the uterus weaken. These ligaments, the uterosacral ligaments can be stretched with vaginal childbirth, weaken with age or be stretched with conditions that put … Continue reading
What is the mesh controversy?
If you watch TV you may have seen commercials about lawsuits regarding vaginal mesh. What is the mesh controversy? The term "mesh" refers to a synthetic product used in surgical procedures. These can be made from various materials but the … Continue reading


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TFM Farm and Country Superstore has opened its newest outlet in Penkridge thanks to a new funding package from Yorkshire Bank.
The family business has grown substantially since its initial business offering in the 1970s, specialising in farming machinery. Now, the superstores cater for agricultural, construction and country living customers, selling everything from power tools to bread bins, boasting over 16,000 product lines.
TFM recently centralised up to 80% of its inventory purchasing by introducing a new state of the art distribution hub in June this year. The distribution centre in Telford services current retail outlets in Stableford, Bridgnorth, Newport and Penkridge as well as facilitating online orders.
The expansion of operations was made possible by a six figure funding package put together by Yorkshire Bank, which has supported the local family business for over a decade.
The workforce has grown by 20% since the start of 2015, increasing the number of local employees from 60 to 72 across all sites.
Mark Littleford, managing director of TFM Superstores, said: "It has been a particularly exciting year for the company. Opening our fourth store emphasises how far the business has come in the past 35 years.
"It is especially pleasing to be able to contribute to the local economy by providing 12 new jobs in the local area.
"Without Yorkshire Bank's help we wouldn't have been able to grow at the rate that we've experienced."
Gareth Jones, head of commercial relationships across the Midlands at Yorkshire Bank, said: "Yorkshire Bank is proud to support local businesses striving for growth. TFM is a great example of a business increasing productivity through appropriate investment.
"TFM is a long-standing customer with Yorkshire Bank and we look forward to supporting the growing ambitions of this thriving family firm."


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This past week we had the opportunity to talk to the lovely Pop/Rock star, Jenni Spiro, about her song "Hey You"; as it was selected to accompany the closing scene of Jersey based film "Over the Line". Jenni has risen to popularity in the New Jersey, performing all along the East Coast with other … [Read more...]
Conquer Artist Interview – Kiirstin Marilyn
Musical Theater, to Rock, to Pop, to solo indie artist Kiirstin Marilyn! Kiirstin started pursuing music at a young age, and has journeyed through various paths of the musician life where many artists only take one; and every path has led to her current pursuit as a solo artist, encompassing pieces … [Read more...]
Conquer Artist Interview – SORLive
Whether he's bringing new beats, setting new trends, or inspiring young minds, SOR is a breath of FRESH air! Hailing from New Orleans, SOR was quick to pick up on the Hip-Hop style, taking inspiration from artists such as Will Smith, Lyfe Jennings, Black Eyed Peas, J. Cole, & Kid … [Read more...]
Conquer Artist Interview – Jess Taylor
We here at Conquer had the awesome opportunity to interview Alternative Country artist (though one would consider her unrestricted by genre) Jess Taylor about her ongoing crowdfunding project. Hitting the ground running in Highschool, Jess's songwriting and vocal skills quickly led to a large fan … [Read more...]
Conquer Artist Interview – WASI
WASI; A Riot Pop/Punk duo, with a voice that speaks to the misfit in all of us. Known for their energetic shows, and uplifting music, WASI never fails to provide a sense of understanding and encouragement for those trying to figure out where they fit. Based in Los Angeles, WASI's music channels the … [Read more...]
Artist Highlight Interview – Missy Lynn
On the cutting edge of music, Missy Lynn is a spark of fresh air in the performance industry. Encompassing jazz, pop with a touch of blues, she performs a style all her own. She puts a new spin on well- known hits but also has original tunes with memorable melodies and moving lyrics. Once you hear … [Read more...]
Artist Highlight Interview – Mark Mckinney
Considered by Texas music fans to be a powerhouse of an entertainer, McKinney's wide range of musical influences are clearly evident in his highly original songs- and range from emotion and lyric rich Americana songs, rowdy Country drinking anthems to delicately crafted love songs. Artist … [Read more...]
Artist Highlight Mala Reignz
Award winning Hip-Hop artist and entrepreneur, Bronx native Mala Reignz is one of the latest phenomes to grace the industry. Declared "Unsigned Hype" by The Source Magazine, and "Flava of the Month" by Straight Stuntin' Magazine, Mala has burst onto the mainstream Hip-Hop scene and … [Read more...]


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The Partnership has also made its 2018 Annual Letter from the CEO available on Hi-Crush's website at www.hicrush.com in the Investors section. Hi-Crush unitholders may receive hard copies of these documents free of charge upon request by emailing email@example.com or by calling (713) 980-6270.
No Solicitation
This communication relates to the proposed conversion of the Partnership from a
Important Additional Information
In connection with the Conversion, the Partnership has filed with the
Investors and security holders are able to obtain free copies of the proxy statement and all other documents filed or that will be filed with the
Participants in the Solicitation
The Partnership is managed and operated by the board of directors and executive officers of its general partner,
Information regarding our General Partner's directors and executive officers is contained in the Partnership's Annual Report on Form 10-K for the 2018 fiscal year filed with the
Investors may obtain additional information regarding the interests of those persons and other persons who may be deemed participants in the Conversion by reading the proxy statement regarding the Conversion. You may obtain free copies of this document as described above.
Forward-Looking Statements
Some of the information in this news release may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements give our current expectations, and contain projections of results of operations or of financial condition, or forecasts of future events. Words such as "may," "should," "assume," "forecast," "position," "predict," "strategy," "expect," "intend," "hope," "plan," "estimate," "anticipate," "could," "believe," "project," "budget," "potential," "likely," or "continue," and similar expressions are used to identify forward-looking statements. They can be affected by assumptions used or by known or unknown risks or uncertainties. Consequently, no forward-looking statements can be guaranteed. When considering these forward-looking statements, you should keep in mind the risk factors and other cautionary statements in Hi-Crush's reports filed with the
Investor contact:
Caldwell Bailey, Lead Investor Relations Analyst
(713) 980-6270


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All formats/editions
Under the pert pen name "Lady Smart," opinionated Lindsey Graham crusades for social change among London's elite, writing for the ladies' gazette Heart to Heart. But Lindsey's greatest campaign begins when her brother Rudy, a notorious rake, is accused of murdering a string of prostitutes.
Her confidence in his innocence is bolstered when an anonymous letter arrives naming Viscount Merrick as the killer. Lindsey launches her own investigation into the gentleman's questionable pursuits, a risky venture that earns her an unwelcome bodyguard—Thor Draugr.
At first, Lindsey refuses the protection of her employer's brother-in-law. They are like oil and water, yet she can barely conceal her attraction to the rugged Norseman. But an attempt on her life reveals not only the lengths that someone will go to in order to prevent her interference in the viscount's sordid affairs, but that she can no longer deny that she desires the warrior by her side.…
All formats/editions
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Product recommendations
by Kat Martin


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Commercial Real Estate – Hints For Hoarding Money
Yes indeed, the decision will come from you only but our services is extremely individual and is starts with a friendly but to the bottom discussion. The more details we know about you and your strict requirements about property in Thailand, the nearer we can get to the perfect match. We can assist you make de decision based on difficult facts, realistic figures and our personal knowledge and many years of encounter in the globe of Thailand Property and whilst you get your dream property, we shield you towards shopping mall methods.The inclination from the purchasing community is to conserve money and put together for the worst thing to come. I think I will look on its brighter side. Now that we know individuals will be attracted to less expensive commodities, we can consider benefit from it. Retailers will be promoting their goods at a reduce price. One area exactly where you can look at is in the Genuine Estate business. If you have additional cash, now is the time to invest in Singapore Real Estate Condominium. When the economic climate improves, the rate of appreciation of your home is anticipated to rise quickly.
The subsequent to put in thoughts before buying Condominium launch in Singapore are the facilities. Do you adore to store? Do you frequently go to the financial institution? Does your family members have the behavior of heading to church each Sunday? Nicely, if your solution to all these concerns is sure, then you have to select a home that is available to the city's solutions. Make sure the home has a short distance from these locations. Meet Salt Metropolis Paranormal Investigations. Started in Oct 2013 by Founder, Tammy Rosenfeld; SCPI investigates Developer sales in new property project condominium in Singapore home, places of business, and community haunts. The group is made up of 3 associates; founder, Tammy and investigators, Patricia and Jesse.
When the house has been repaired, cleaned and arranged, it's time to flip to expert assist. House staging can be valuable during off-period. It is much more than just decorating the house. It is making an illusion of a great way of life by adding up a couple of fascinating details to the home set-up. It is like they're "dressing up" the home to make it look more attractive and entice the buyer to make considerations. Some of the requirements you can consider when choosing a buyer's agent are his understanding of the nearby marketplace, the agent's work experience, and cost and advertising plan, amongst other people. You can verify these via the buyer's agent's credentials. As you find solutions to this sickness stop all family members from getting too tangled up simply because of the sickness. Discovering peace alongside the way is helpful.


text: We present Epoxy Floor Coating that is highly demanded in the market. We have a team of professionals which is well versed with the process and take every care in making sure that the surface is fully covered and protected. Our Epoxy Floor Coating keeps the floor topping hygienic and smooth. Our Epoxy Floor Coating services are classified as Dorogiene SL Floor Coating and Doroxy SL Floor Coating. These Epoxy Floor Coating services can be availed at economic charges.


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Monday, August 15, 2011
Awesome Turtle Picture #002
Pencilled by Joe Madureira for Wizard: The Guide to Comics #111. Part of a feature titled "The Big 80s" which invited big name comic book artists to draw their favorite 80s cartoon characters.
On the brightside, it gave us Joe Mad's pretty bitchin' interpretation of the Ninja Turtles!
On the downside, it gave us Pat Lee's horrendous interpretation of the Transformers.
3 comments:
- Adam said...
I've seen this piece edited and recolored oodles of times across the internet by fans. It's nice to see the actual reference from which it originated.
- 8/15/2011
- Genesis Malakh said...
To my knowledge, this is one of the earliest portrayals of Michelangelo using a kusari-gama (or some kind of chain weapon with a weight on one end).
- 5/30/2013
- Adam said...
I had this drawing in my mind when thinking about the visual inspiration for the "Good Smile Company" TMNT statues. Back when this thing was cycling around the internet without any attention to its original context, I saw many people claiming it as Todd MacFarlane's take on the TMNT.
- 4/15/2019
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Watch: Chapecoense scores first goal since plane crash
The Brazilian club found the back of the net in a friendly match against Palmeiras.
On Saturday, Chapecoense played its first game since the fatal plane crash that killed the majority of the team's players and staff in November.
With a rebuilt roster of new players, mostly on loan from other clubs, the team took the field Saturday in for a friendly against Palmeiras in honor of those that died in the crash, with the three surviving players all in attendance.
Douglas Grolli opened the scoring off a set piece.
It proved for a cool moment, indeed.


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You're a Genius, Blackboard Bear
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You're a Genius, Blackboard Bear
In seemingly impossible situations Anthony knows he can call on his special friend, Blackboard Bear. Here his enormous, ursine chum comes to life and assists Anthony in building a spacecraft to take him to the moon. When the spaceship stands ready and waiting and he begins to have doubts about the trip, Blackboard Bear offers to make it for him. There's much for the reader to ponder over in the clever narrative - a combination of enchanting pictures and Anthony's (unanswered) words to his friend: What does the bear say to Anthony? Does anyone in fact make the lunar journey? Is the whole thing a dream? And what about those paw marks all over the bedroom floor?... A seemingly simple book which offers countless opportunities for making meanings - but they'll be different at every encounter with the story.


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Daniel Moss
Daniel Moss is the Executive Director of the AgroEcology Fund. He writes on food, water, and human rights topics for National Geographic, Huffington Post, and other media outlets.
Daniel Moss is the Executive Director of the AgroEcology Fund. He writes on food, water, and human rights topics for National Geographic, Huffington Post, and other media outlets.
By Daniel Moss, Food Tank
It will take some time for Amrita Bhoomi to build a new food system. Chukki and KRRS have to resolve how to broadly distribute peasant-grown and saved seeds, how to strengthen markets for agroecologically produced food, and how to knit a coalition with farmer organizations across India. So far, however, Chukki said, "No zero-budget natural farming farmer has ever committed suicide or gone into debt."
By Daniel Moss, On The Commons
Environmental disasters caused by human folly are all too familiar. But what about the environmental serendipity? The unexpected stories where nature and humans co-exist harmoniously.
By Daniel Moss, On The Commons
No army can win a war without water. (Dysentery took more lives in the U.S. Civil War than battle wounds.) That holds equally true for the war on poverty. - See more at: http://onthecommons.org/magazine/public-water-systems-can-help-war-poverty#sthash.dkAC0js9.dpuf
By Daniel Moss, YES! magazine
Chewing on a mouthful of locally grown lettuce, I wondered if the claims I'd heard about the global food-justice movement were true. Was there a line to follow, however crooked, between my purchase of these greens, land reform in Brazil and opposition to genetically modified seeds in California. Or was it all just empty calories.
By Daniel Moss, On The Commons
Greece knows a thing or two about democracy. And as an increasingly arid nation, good water management is fundamental to its future, both political and physical. The recent financial crisis hasn't only tested Greek democracy, but its water as well.


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Please see our COVID-19 flyers on our home page (scroll down to the "gold" block). We will be posting new flyers as the situation changes. Additionally, our dedicated COVID-19 pages will be updated.
Our needs are always great and now more than ever. We are continually updating our Wish List


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Protecting and enhancing value
From bankruptcy and litigation advisory needs, to opportunities to drive a higher ROI from your software investment, to improving your talent practices by modernizing and optimizing your HR strategies, processes and technology, Baker Tilly can help your organization create value or protect the value you have worked so hard to achieve.
We focus on the intersection of where strategy meets execution and deliver:
- Innovative and pragmatic approaches for solutions, business practices, and strategies
- Services that enable additional value creation for clients via growth and transformation-oriented support and advice.
- Services designed to help you identify potential risks and eliminate them, or put processes in place to reduce risks over time
- Solutions to scan, assess, and rapidly adapt to changes – thus helping your organization compete in any environment


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A Dubai developer is intent on recreating the Venice experience by just taking a ride in a car and a boat. And a helicopter if need be. At Cityscape Global, the Kleindienst Group has brought to surface its most ambitious project yet – "The Floating Venice", which will feature super-premium hotel rooms built on top of a "vessel".
The hotel "landscape" will stretch over 37,000 square metres. That particular stretch of water – four kilometres from the shore – and the building rights on them were acquired recently, the Chairman said.
"It's not a typical builder who will put it together but a boat builder," said Josef Kleindienst. "We are working on the tenders right now." Featuring 414 rooms, the resort has a capacity of up to 3,000 guests daily, with the accommodation, restaurants and recreation split over four decks, one being underwater. Guests will arrive by boat, seaplane or helicopter to the main Piazza San Marco where they can check-in at the underwater lobby.
Source Credit: Khaleej Times
Read full story: http://bit.ly/2jitWuh


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AMP (Accelerated Mobile Pages) is a method to build fast websites, especially for mobile devices. Due to many technical restrictions, displaying ads is not as straightforward as on "normal" websites. On this page we cover the different ways to use and the limitations of ads managed with our Advanced Ads plugin on AMP pages.
Table of Contents
How to set up an AMP page?
The most popular solution to create AMP pages in WordPress is the AMP plugin by Automattic. It creates an AMP version of posts on a subdomain that ends with /amp/.
We built our solution for ads on AMP pages on this "official" plugin. If you are using another solution and run into issues then please let us know.
Our solution for ads on AMP pages works with the following plugins:
- AMP by Automattic (recommended)
- AMP for WP – Accelerated Mobile Pages
- WP AMP — Accelerated Mobile Pages for WordPress (limitation: removes ads in the content of archive pages)
- Facebook Instant Articles & Google AMP Pages by PageFrog (see limitation below)
Other plugins might also work, but if not, please let us know.
AdSense on AMP pages
The Responsive Ads plugin automatically converts AdSense ads (added with the AdSense ad type) into the AMP format on AMP pages.
Find more information about AdSense specific AMP features on AMP AdSense on WordPress.
AMP ad type
Many ad networks offer support for AMP already. Since they may come with different attributes, we implemented a flexible AMP ad type into the Responsive Add-On.
When you are using this ad type, you will see a form to enter custom parameters and values. You will find the supported parameters when you click on any of the networks in the list of ad networks that already use AMP. The specific parameters and values need to be checked with your ad network.
For Google DoubleClick (DFP) a basic implementation might look like this:
Ad Fallback
The AMP documentation also offers a fallback option. We implemented this as well, but couldn't find an ad network that supports it yet.
This fallback is not meant to show up when the ad is broken or you don't have an account with a specific network, but when the impression is not filled by the network. However, the network itself decides whether they respect this setting or not.
On the AMP page, this is described like this:
amp-ad supports a child element with the fallback attribute. If supported by the ad network, this element is shown if no ad is available for this slot.; If there is no fallback element available, the amp-ad tag will be collapsed (set to display: none) if the ad sends a message that the ad slot cannot be filled and AMP determines that this operation can be performed without affecting the user's scroll position.
Image and other ads on AMP pages
Image ads, plain text, and rich media ads run normally on AMP pages if they don't contain JavaScript or unsupported HTML tags. Invalid code is currently filtered by the AMP generating plugins, so we didn't add any limitations on our end. Use the AMP display condition if an ad causes issues on your AMP pages.
General limitations for AMP ads
- most standard JavaScript is broken on AMP pages, hence many features like lazy loading could not work correctly. The AMP generating plugins remove invalid code automatically.
- browser-based Visitor Conditions might not work, e.g., browser-width, cookie
- not all placements work on AMP. The Manual placement and placements within the content are supported on AMP, including Content, Before Content, After Content, Random Position, and Content Middle, as well as the Post Lists placement.
- cache-busting in Advanced Ads Pro is disabled on AMP pages
- impression tracking only works with the methods track on load and track after page printed
- impression and click-tracking don't work with the Google Analytics method on AMP
- when you use the reserve this space option for the ads, it cannot be centered with the Position option
- don't use the reserve this space option when you are using an ad label for ads on your site
- some issues can occur depending on the method you used to create AMP pages. The AMP plugin by Automattic cannot create AMP code for archive pages
AMP plugin in transitional mode
The AMP plugin by Google, and XWP has something called "transitional" (previously called "paired") mode which uses your original theme and website features as a basis for your AMP site. This means that scripts that don't work with AMP out of the box are still loaded. This can cause errors that might lead the AMP plugin to load the normal website instead of AMP.
If you see errors that related to a script from Advanced Ads or any of our add-ons then you can mark them as "accepted". The AMP plugin will then block that script. Since these scripts are not working on AMP anyway, blocking them does not break anything in addition. We are working on converting all of our features to AMP versions.
Facebook Instant Articles & Google AMP Pages by PageFrog
When using ads on AMP pages with the mentioned plugin, please uncheck this option to allow the content injection.
Force AMP compliance by removing other plugins/functions from AMP pages


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10 November 2014
Elizaveta Tuktamysheva: "I want to restore a triple axel"
After her performance in Shanghai Elizaveta Tuktamysheva was interviewed by a press coordinator of the International Skating Union Tatyana Flade.
– What feelings do you experience now, after winning the stage?
– I experience unusual feelings, forgotten feelings so to say.
– However this is not your first win of the season.
– But not at the Grand Prix. I still can't fully understand what happened to me here. But I'm glad that I coped with myself and that I could win a stage and qualify for the final.
– In Oberstdorf you said that it will be very difficult for you to get to the Grand Prix final.
– Unfortunately, Yulia Lipnitskaya finished her free skating programme not very well here and that somewhat eased my task of getting to the finals. My free skate was not fIawless either, although I was not too worried before going on the ice. I was much more worried on the eve of the short programme.
But, apparently, I relaxed after the first cascade and failed to land a triple lutz cleanly. After that I got a little bothered, it helped me concentrate and finish my programme. Although I was still a little nervous. It was obvious I was trying to secure myself.
– Nevertheless, you dazzled the audience with your skating.
– I tried. When all difficult elements were performed and I was not too tired, I tried to to dazzle the audience. I thought that it was necessary to work out this start up to the end, to do my best.
– Though the audience began to support you with applause from the very beginning of the program.
– Yes. The same was at the tournament in Finland. Everybody started clapping with the first sounds of music. The same thing happened here in China. And I praised the audience at the press conference. In general it was pleasant to perform here in Shanghai.
– What was the best moment of your skate?
– When I got on the track. I love my track, I love the final of my program.
But this time, probably the most pleasant moment was when I failed to land a clean salchow and thought wheather to add an axel to it or not. And yet I performed an axel and even received a small plus sign for this jump.
That's when I was really pleased with myself. I was pleased that I managed to perform all elements flawlessly. Although before each element I was thinking how to avoid mistakes and such thoughts are very distracting.
– No matter whether you thought so or not, but you did a cascade of triple – triple jumps.
– I could do this cascade in America, but I was just afraid then. And this time decided: no matter how I land my first jump, the main thing was to move forward confidently. In general, I programmed myself to twist and be patient.
– What does this victory mean to you?
– Probably, it means that Lisa Tuktamysheva returned to her former rhythm. Success is important for each athlete. I am no exception. The victory gives us confidence.
And every start, whatever it may be, gives us experience. This start has taught me to fight in any situation, to be patient, to twist and not to think if you can or cannot make it, just go and do it. At this tournament I realized what these words actually mean. We often hear all these phrases from our coaches, but you can listen but not understand.
– Before the Grand Prix Final, you will have a break in the performances. Will you change anything in your programme?
– I am so satisfied with what we have now, that I don't want to change anything. But we'll see what the coaches will say. Everything depends on them. If some clever idea will come to their mind, we'll think about it. I don't mind.
However all programmes seem quite good to me, both the technical elements and from the point of view of presentation. Probably will try to perform a cascade of triple Lutz – triple toeloop, because I'm doing it at the training sessions and I performed it here.
– Is there an idea to restore triple axel?
I really want to try to restore triple axel. Just wanted to add that, perhaps, we'll add this jump. But this jump requires a lot of effort and a lot of courage. As a child I wasn't afraid of anything, I just jumped. However you start to act more thoughtfully over the years. In any case, I can perform triple axel with the right attitude. Maybe you'll see this jump in my performance this season. But I'm not sure. I can not guarantee anything in advance.


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Went to Malta
Continuing the Trips On My Birthday tradition (like Paris last year), Charlie and I went to Malta for my birthday.
It's really full of history: as a strategically placed island it has been the subject of numerous takeovers throughout the centuries.
We spent our first day in Valetta, where we visited St John's Co-Cathedral, the bling-iest cathedral ever. All the decorations.
Then we went out to St Elmo's fort. I would not want to try and attack Malta from this direction.
TravelTed had his picture taken at the fort, looking back over Valetta. There are some serious fortifications - these are people who are used to being attacked over and over.
The Three Cities:
More fortifications:
On the Sunday, we went to Marsaxlokk to see the fishing boats and swim in St Peter's Pool. Brilliant.
Seriously. (And yes, I jumped in from the top of the cliffs.)
On Monday, we went to Mdina, the walled city, and had lunch overlooking the whole country (it's small).
And then on our last morning, we went on a boat trip to Comino, which was absolutely stunning.
We swam in the Blue Lagoon, saw lots of little caves and inlets, and found it hard to believe that we had to go back to the UK in the evening!


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France, Documentaire, 96', 2017
In Congo, a young peasant dreams of a better future for his loved ones. His only wealth lies in the strength of his arms, the bushland around him and his strong will. Set out on dangerous and exhausting roads in order to trade the fruit of his work, he discovers the value of his effort and the price to pay for his dreams.
- Réalisation / Direction: Emmanuel Gras
- Musique originale / Original score: Gaspar Claus
- Son / Sound: Manuel Vidal
- Image: Emmanuel Gras
- Montage / Editing: Karen Benainous
- Scénario / Screenplay: Emmanuel Gras
- Interprètes / Cast: Kabwita Kasongo, Lydie Kasongo
- Production: BATHYSPHERE
- http://www.bathysphere.fr/
- Distribution: Les Films du Losange
- http://www.filmsdulosange.fr


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Maybe not when you think. The business owner(s) is usually never completely ready to sell. In other words, there is no "perfect" deal. How does the owner best prepare for a satisfactory exit?
Steps to reach an exceptional finish:
200 N. Westlake Boulevard
Suite 204
Westlake Village, CA 91362
Map & Directions [+]


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Scotland's one and only Bose True to Life store
Bose Glasgow opened in 2007 and is the only dedicated Bose True to Life store in Scotland. With outstanding demonstation facilities and knowledgeable staff, all backed up with superb aftersales care, Bose Glasgow is the best place to purchase your new Bose product.
We are the only store in Scotland who stock the complete range of Bose products including the Wave systems, the Quiet Comfort Noise Cancelling Headphones and the incredible Lifestyle systems.
At Bose Glasgow, you can get hands on and try any of the products on display, including headphones. We have demonstration facilities for all of the Bose products we stock to help ensure you get the product which is right for you.
Bose (Glasgow) is owned and operated by James-Morrow Home Entertainment Systems Ltd, 1 Home Street, Edinburgh EH3 9JR.
To contact James-Morrow, please email firstname.lastname@example.com


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"It isn't what you have, or who you are, or where you are, or what you are doing that makes you happy or unhappy. It is what you think about."
Friday, November 19, 2010
Kids nowadays
This is how kids nowadays spending their time together...not like us before...where we used to play games in a group like monopoly, scrabble, etc,etc but I am sure we can't get away from all of this technologies...and the fact that we need to grow with it..to make full use of it!
Sent from my BlackBerry® wireless device via Vodafone-Celcom Mobile.
BitS by BitS from JeM at 7:54 AM
BitS oF kids
2 comments:
- ICA said...
Jem, how are you? lama I tak drop by...just wanna say hello. Hope you and your family are doing well.....sihat2 semuanya. Btw, love your blog layout...very nice.
ps: My kiddos are still young so boleh control lagi with all the techno gadgets....tapi I am sure they will be just like yours bila dah a bit older nanti...hehehe. Now pun they are controlling the TV remote.
- November 19, 2010 at 8:24 AM
- JeM said...
Ica..I am fine.TQ
nak kena supervise jugak apa games yang diorg main ni...not to just let them play whatever games..will expose them to bad things nanti.
- November 21, 2010 at 11:59 PM
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BRIDGEPORT — The city's Prospect House will be open until Saturday for any adults in need of shelter, the city announced Thursday.
Adults can seek refugee at the Prospect House at 392 Prospect St. starting Thursday.
While children are allowed at the Prospect House any time before 8 p.m., they are not permitted to remain there after that.
Anyone seeking shelter with children can call 211 for the nearest available place.
It was unclear what prompted the shelter availability, but weather forecasts for Thursday night and the coming days do show low temperatures — specifically Friday night.
Thursday night will be mostly cloudy and then gradually become clear in the overnight hours. The temperature will hover around 30 degree with a wind of 7 to 9 mph.
Friday there is a forecast for a high near 32 degrees, with wind chill values between 20 and 25 degrees and winds of 10 to 14 mph.
Friday night will be clear with a low around 11 degrees, with wind chill values between 5 and 10 degrees and winds between 7 and 9 mph.
Temperatures will shoot up to around 32 degrees Saturday, with wind chill values between 10 and 20 degrees. Saturday night will see a steady temperature around 28 degrees.


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6 Responses to "Tin Bins: unique environment provides cozy study place"
Bella Anderson on
February 28th, 2017 11:03 am
I really enjoyed reading this story. I personally enjoy going to Tin Bins and this article shared many great things about it. It is very heavy on quotes, but it is interesting. I liked all of the reasons about why students go there. Good job!
Jared Dean on
March 27th, 2017 4:06 pm
This story was very well written, I liked how you got quotes from an employee to show a different view of Tinbins. The quotes worked well with the story and helped to add to the reasons for the popularity of Tinbins and some of the different aspects of the cafe.
Mariah Marsnik on
March 27th, 2017 7:55 pm
This caught my eye because I can relate to it! I like the quotes in this article because they help the reader really understand that Tin Bins is a great environment to hangout and do homework. I also like that Ally described why the location of the cafe helps its success. I'm glad that Tin Bins is getting more popular! It would have been fun to read more about popular items on the menu, but overall it is a good article!
Ryan Berg on
March 27th, 2017 9:23 pm
I like how you give specific reasons why this restaurant is popular, like the location and the fact that its quite. You also have good quotes to back up the facts, very cool story.
Josh Bauer on
March 28th, 2017 8:53 am
Great well written article, people who worked there where interviewed so it was very well prepared. This article was very formative which really helped add to the whole article.
Valerie Silbernick on
March 28th, 2017 1:48 pm
Really good article with good quotes. Uses good writing technique which draws people in and makes me want to try out this cafe. I also like the different things you can do and get out of this cafe. Very good article.
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Macs are not always perfect. There are still many problems happening with it and the macOS can get crashed and fail to start up. Here are solutions you should do if your MacBook Air won't boot up.
Assume that your MacBook Air is not responding when pressing the Power button. In case your Mac responds but it fails to start up, you should enter Recovery Mode.
Connect Your MacBook Air to Adapter
Make sure your MacBook Air is connected to a power source. Try to unplug the power cable and then connect it to another outlet. There is a small chance that your charger gets damaged with your knowledge. If the battery of your MacBook Air is completely dead and exhausted, you need to wait a few minutes after connecting it to the power. After that, try to power it on. Your Mac cannot start up immediately right after you connect it with the power source.
Make a Power-Cycle on your Mac
If your MacBook Air is not responding after pressing the Power key, there is a solution that is preventing the power to it and forcing it to restart.
On modern MacBook Air models that do not allow removing the battery, press the Power key and hold it for 10 seconds. If your computer works again, it will then cut the power to your Mac and force your device to restart.
If you Mac can remove the battery, just unplug it, remove your Mac battery, wait for a minute and insert it again.
Reset System Management Controller (SMC)
In a few cases, resetting System Management Controller (SMC) on your MacBook Air is a helpful solution. It's one of the last solutions you should try if your MacBook Air does not respond after you press the Power button.
For MacBook without a removable battery, you should connect it to the charger. After that, press and hold Shift+Control+Option buttons on the keyboard and then Power button. Release four buttons at the same time after a few seconds and hit the Power button to turn on your Mac.
If your Mac allows removing the battery, just remove the battery from your Mac. Hold down the Power button and keep it for a few seconds. Release it, then reinsert the battery into your Mac, and press the Power button to switch it back on.
Enter Disk Utility in Recovery Mode
Assuming that your Mac cannot boot up but is impossible to load macOS properly, it's absolutely a software problem. The high chance the drive of your Mac might get corrupted, you can solve it from the recovery mode
To boot your Mac into recovery mode, just press firmly the Command + R keys during the startup process. You have to press them immediately after you hear a chime sound. Wait for a few seconds and your Mac will boot into the recovery mode. Otherwise, you pressed the keys too late. Restart your MacBook Air and try it again.
Once your computer enters recovery mode, click on the "Disk Utility" option, choose the First Aid tab to start repairing your Mac drive. The Disk Utility tool will perform a file system check and you no need to run it manually.
Restore Your Mac from Recovery Mode
If the Disk Utility method did not help you, you should reinstall macOS on your MacBook Air.
You can take advantage of the "Reinstall OS X" option in the recovery mode to get the latest version of macOS and then re-install on your Mac. You can also perform a restoration from a Time Machine backup you created previously. In case the operating system of your Mac gets damaged, it will replace it with a clean copy of the newest macOS version.
If your Mac is impossible to startup no matter how many times you hit the Power button, or if the recovery did not work, then your MacBook Air is suffering a hardware problem.
If your MacBook is still under warranty, you can contact or bring it to an Apple Store for further assistance. Even if it's out of warranty, you should still take it Apple Store for a reparation.


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Milwaukee Brewers defeat Washington Nationals, 11-7
Washington — In a game in which the Milwaukee Brewers scored 10 times before taking the field and the two clubs combined for 27 hits and 18 runs, a defensive gem turned the tide.
That's what kind of game it was Sunday afternoon at Nationals Park.
When the Brewers looked back on what it took to hang on to an 11-7 victory over Washington, talk quickly turned to a throw made by centerfielder Carlos Gomez in the bottom of the seventh inning that caught Ian Desmond trying...
Washington — Brewers manager Ken Macha and bench coach Willie Randolph could relate to the marathon game played Saturday by St. Louis and New York, finally won, 2-1, by the Mets in 20 innings.
Through the first 18 innings of that game, there were no runs.
Macha and Randolph were on opposite sides on Aug. 23, 1989, in Montreal when the Los Angeles Dodgers and Expos played 21 scoreless innings before Rick Dempsey socked a homer in the 22nd inning to give L.A. a 1-0 vic...
More information
Game report: Sunday at a glance
Full count: Top 10 list


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Sponsor Changes
The end of last year and the beginning of this has seen a lot of activity in the transfer market with the most sailors in recent years changing sponsors. In the past we have reported each transfer individually, but with the higher than average number of transfers we've decided to make a comprehensive roundup to cover all of the latest transfers for 2020.
- 5-time World Champion Philip Köster (Severne / Severne Sails / Maui Ultra Fins) has left Starboard to sign for Severne Boards as well as their sails.
- Ricardo Campello (Naish / Naish Sails) has signed for Naish
- Justyna Sniady (Naish / Naish Sails / AL360) also joins Naish for 2020 - "I am super excited to announce that I am joining the International Naish Windsurfing Team this year! What a way to start a new decade. My sail number is POL-1111 and of course Robby Naish was the inspiration for that. I still remember watching his R.I.P. movie as a kid for the first time blown away by what windsurfers can do. Wave sailing was then completely surreal to me, but I knew one day I wanted to try. When I got to go to the Baltic Sea in the summer and tried windsurfing for the first time, you could not make me leave the water... These days we only came in to watch R.I.P. one more time! As I was sailing in the rain at Hel Peninsula, on a slippery school-rental board for hours on end until my hands bled, I imagined I am Robby and I'm sailing around my "own private islands" in Kailua haha.. Looking back it's crazy how much influence Robby have had on me getting into windsurfing and wave-riding, so I am really stoked to be welcomed to the Naish Team this year I've been testing the new sails since the beginning of January and I am super pumped to hit the water again as soon as the next good forecast and new boards arrive! Stay tuned to a new video dropping soon! I am looking forward to sailing as part of this legendary team. I can't wait to learn from Robby and everyone at Naish, to test, develop, share ideas, try new things and push boundaries. Thanks again to everyone at Naish Sails."
- Moritz Mauch has left Severne, but has yet to announce who he will sail for in 2020 - "| Thank you Severne | After 6 years of working together with Severne-Sails its time to say goodbye. I had an amazing time riding for Severne, but after 6 years our paths dived. Thanks a lot to everyone of the Severne Sails team I met over the years it was a pleasure to work together. Specially to Florian Brunner he first helped me out and believed in me to get me on Starboard a couple years before signing with Severne and after losing my sail Sponsor at that time he was the first to support me and bring me into Severne Sails Germany. I'm looking forward to 2020, it will be an exiting year with new goals in mind and projects planned, I cannot wait to start the year and push it harder then ever."
- Alessio Stillrich (Simmer / Simmer Sails) joined Simmer after 13 years with Fanatic / Duotone - "I am extremely happy and proud to be part of the Simmer Style family! The boards and sails work so well, I have been riding on the Blacktip and Flywave here in Cape Town and the gear works very good. It suits my style of sailing. I will do my best to represent the Simmer brand and work with R&D with Tomas Persson for sails and Ola Helenius for boards. Thank you for this opportunity, Im greatly looking forward to have a lot of good moments and success together!"
- Marc Paré (Fanatic / Duotone) has gone the opposite direction - swapping Simmer for Fanatic / Duotone - "I am stoked to get this unique opportunity to join the Fanatic family. The good vibes between the team was always something I enjoyed looking at and especially Victor, Klaas and Adam are quite good friends of mine already and I am sure we will make a good match on the water during training and testing boards."
- After many years Boujmaa Guilloul has parted ways with Starboard and Severne and joins the Goya team
- The young and talented Baptiste Cloarec (RRD / RRD Sails) has also left Severne to join RRD
- Omar Sanchez (Star-Fish / GA Sails) has teamed up with GA Sails after previously sailing for KA Sail
- After 5 years together Alex Mussolini has left RRD, but has yet to reveal who he will sail for in 2020
- 3-time world champion - Kauli Seadi (MB Boards / Hot Sails Maui) has signed for MB-Boards
- Youp Schmit (Tabou / GA Sails), who finished 4th overall in 2019 has left I-99 and Avanti to join Tabou and GA Sails - "Indeed! I have been stoked on Gaastra/Tabou since a little kid, the other day I posted a little video on my social media! And I have been in touch with team manager Matt Prichard since a little kid but we never got a deal going. As my pro career took off in 2010 I signed with JP/NeilPryde. I was using the gear as I started off with freestyle and was in love with the gear, so I am stoked to be back!"
- Mattia Fabrizi (Patrik / Severne) switches from Challenger to Severne Sails for 2020 - "It's time for a change! For 2020 i will ride Severne Sails. Can't wait to hit the water with my new sails!."
Niclas Nebelung has joined (Fanatic / Duotone)
- Jacopo Testa will no longer ride for RRD Boards
- FMX Racing have captured the signatures of 4-time world champion - Delphine Cousin Questel (FMX Racing / S2Maui) and her husband - Antoine Questel (FMX Racing / S2Maui) - "Happy to announce myself and Antoine Questel's collaboration with FMX Racing France for 2020 ! A new adventure begins and it was really important for us to sail with the same sponsors ! Thanks to Finian Maynard to trust in us and I am really motivate to give my best to keep my Foil and Slalom World Title for 2020 ! Already some good session with our new S2Maui Venom 2020 and FMX racing Invictus and Hyperion and I can tell you the combo is just perfect!"
- Ben van der Steen (Goya Windsurfing) has left GUNSAILS to team up with Loftsails once again - "I was a Loftsails rider in 2011 and 2012 and they were some of my best years on the tour so far. Also, since 2011 I have been living in Tarifa - so never too far from Monty and the Loftsails team - and there has always been good relations and respect. Becoming a Loftsails rider again was an easy decision. Loftsails has always been on the top of my list for sails, and the opportunity to become a team rider for a second time at this point is just coincidence really. From testing with my friends' sails I know the performance of recent Loftsails is right up there, and I am very positive about the possibilities. It's a great opportunity. It is the performance of the sails and the team ethos that brings me back."
- Former vice-world champion - Cyril Moussilmani - has revealed he will leave RRD, but currently doesn't have an equipment sponsor for 2020 - "Official Announcement. I am out of boards and sails contract for 2020. I don't know where i am going, but I hope I can continue to windsurf as a job. Thanks to RRD for the 2 last years."
- Julien Quentel (Exocet / XO Sails) will ride for Exocet and XO Sails in a big change for 2020
- Bruno Martini (Future Fly / Challenger Sails) - who won his first race on the world tour in 2019 - has signed for Arnon Dagan's Future Fly Boards.
- Luuc van Opzeeland will ride for Tabou and GA Sails for 2020 - "Proud to finally announce that I'll be riding with GA Sails and Tabou in 2020."


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Carpetright is in talks about a cut-price £15m sale to its biggest shareholder as the specialist retailer said it needed to raise £80m to stay afloat.
Meditor, a British hedge fund headed by former Old Mutual banker and poker player Talal Shakerchi, already owns 30% of Carpetright's shares and bought up more than £40m of its debts in August.
The firm is offering investors just 5p a share, a big discount to the 9p that Carpetright's shares were trading at on Wednesday, before the Meditor offer was announced.
Carpetright has endured a torrid few years during which it has closed more than 90 stores as part of rescue restructure. The company has faced heavy competition from rival Tapi, set up by the Harris family which founded Carpetright, amid a general slowdown in home furnishings sales caused by consumer uncertainty and a lacklustre housing market.
Carpetright said it was "performing well despite the challenging economic backdrop and intense sector competition". It said profits were improving as it reduced costs and increased efficiency.
The floor coverings specialist said it was considering the offer as it needed new funds to repay debts and fund a turnaround plan.
Carpetright has £56m of debts including a credit facility owned by Meditor and an overdraft facility, which are both due to expire on 31 December, as well as a £26m loan provided by Meditor due for repayment next July. The company said its debt levels would rise over the next few months.
Bob Ivell, chair of Carpetright, said: "Shareholders will be aware that we have been engaged in comprehensive refinancing discussions to replace existing facilities which expire at the end of this calendar year. The possible offer being announced today would put in place a new financing structure for Carpetright which would enable us to continue our recovery and make necessary investments in improving our business."
The company said it was discussing the deal with Meditor after "actively exploring various long-term financing solutions" including refinancing, asset-backed lending, strategic asset sales and equity financing.
Meditor's takeover plan would lead to the investment firm converting the majority of Carpetright's outstanding debt into equity and providing additional capital to help the company expand.
One major shareholder – Aberforth Partners which owns 12.6% of Carpetright's shares – has agreed to accept the offer. Other investors representing 11.4% of the group's stock, including George Soros's Soros Fund Management, have said they intend to back it.
Greg Lawless, a retail analyst at Shore Capital said shareholders should accept the possible offer. "Given that the largest institutional shareholders look to have already bought in to the proposed deal it may represent a bird in the hand for other shareholders and will bring to an end a troubled period for the company," he said.
However, Carpetright said there could be no certainty that Meditor would make an offer or on the terms of the offer at this stage. Meditor has until 28 November to decide whether to make a firm offer or walk away.
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At the start of 2018, I ran a Twitter poll to let you choose which subject I should dedicate a State of Wales update too. "The Economy" won (above) and here it is – probably the most ambitious and wide-ranging work to date, more so than the original Wales: An Economic Profile.
There are 16 (SIXTEEN) parts to this series. Chuck me a couple of quid a month to make sure this isn't the last one.
Wales: An Economic Profile (2012) wasn't written with independence in mind but to give a general picture of the Welsh economy at the time.
While I'm going to do that again this time around, there'll be a greater focus on fundamental and structural issues with the economy. That's in order to point out weaknesses and strengths, start a conversation on what the economy could and should look like in an independent Wales and determine how achievable those policies and goals might be.
What this series ISN'T going to look at
Just so you don't go into this expecting everything to be covered, here's what won't be discussed – though some of it may have already touched upon in other posts or will be discussed lightly in this series:
- Currency – I've already looked at that (link).
- Whether Wales would definitely be "better off" or "worse off" with independence – This series can give pointers and discuss what sorts of policies might lead to people feeling better off, being more productive, more confident in the economy etc. but to say for definite that Wales would be better or worse off requires sophisticated economic modeling I'm unable to provide. Of interest: The Flotilla Effect Revisited.
- Industrial relations, employment law & trade unions – These are all subjects worthy of looking at in their own right to do them justice, though they'll get a mention in passing.
- Transport & Infrastructure – Again, subjects like transport, energy policy and utilities are worth looking at in their own right, though in this series I'll look at how they currently contribute to the Welsh economy rather than how policy might changes towards them.
- Public finances and tax – Neither of these are directly linked to the economy. Some preliminary work has been done on this in How Rich is Wales? As well as How is Wales funded?
- Microeconomics – Microeconomics is focused on the consumer-side of things, like how price changes affect retail and wholesale sales on individuals and individual businesses. This series is focused on macroeconomics – how the national economy and individual sectors work.
If it's not mentioned above then there's a good chance I'll be looking at it in the coming posts.
What's Coming Up?
As mentioned, the series has 16 parts, divided into 5 broad themes.
Theme One – Economic History & Policy
- Part I – (This Post) What's an economy supposed to do?
- Part II – Wales: An Economic History In Brief
- Part III – Welsh economic policy since devolution
Theme Two – Wales: An Economic Profile
- Part IV – The Primary Sector & Utilities
- Part V – Industry
- Part VI – The Service Sector
- Part VII – The Knowledge Economy
- Part VIII – Public & Social Sectors
Theme Three – Trade & Comparative Economics
Theme Four – Discussion Points
- Part XI – Who does The Market work for? (Does the free market work? Exploitation vs Empowerment)
- Part XII – Growth vs Degrowth (Do we need a better measure of economic well-being?)
- Part XIII – Skills & Employment
- Part XIV – Foundations & Revolutions (Foundational Economy, Automation, AI, Big Data etc.)
- Part XV – Where's Wales going wrong economically?
Theme Five – Conclusions
What do we mean by "The Economy"?
The dictionary definition of "economy" is the management of resources as well as the production and consumption of goods and services. If you grow it, make it, do it, sell it or pay for it, it's part of the economy.
It's based on a core "law"/principle of scarcity – the problem of having unlimited wants, but limited resources to meet them.
There are ten famous core principles of economics famously defined by Gregory Mankiw:
- Tradeoffs – To get one thing (i.e.a new car), you need sacrifice something else (i.e. time working); "There's no such thing as a free lunch".
- Opportunity Cost – The cost of something is whatever you give up to obtain it.
- Rational people think about the margins – People make decisions based on the cost and benefit of marginal changes (i.e. spending money now to make more money later or meet a specific goal).
- People respond to incentives – The punishments and rewards for taking certain actions guide decisions (i.e. cutting back on smoking when prices of cigarettes rise).
- Trade can make everyone better off – Proper distribution of goods or specialisation in producing a certain number of goods/services can increase sale prices and can also enable you to get what you want at a cheaper price/tradeoff.
- Markets are a good way to organise economic activity (Part XI) – Nations which had centrally-planned economies have largely abandoned them (even North Korea to an extent) and markets reflect both the value of goods to consumers as well as the cost of producing them (aka. "The Invisible Hand" c/o Adam Smith).
- A government can improve economic conditions – Government intervention is useful when there's a market failure, to promote efficiency, to break up monopolies, enforce property rights (to maintain an incentive) or to redistribute wealth to ensure more people benefit from the "economic pie".
- Living standards are dependent on production (Part XII) – A nation's living standard is largely dependent on the value of the goods and services they produce per worker in a given time (productivity).
- Prices rise when governments/banks print too much money – This is known as inflation (see more at Currency I: What does Wales need from a currency?).
- Societies face a tradeoff between inflation and employment (Part XIII) – Government policies usually push inflation and unemployment in opposite directions; policies which encourage more employment cause inflation and prices to rise, policies to cut inflation cause unemployment to rise and prices to fall.
Economics isn't an exact science (some might not recognise it as a science full stop). There are a number of schools of thought and one of the most popular sayings about economists is: "If you ask five (economists) a question you'll get five different answers".
Some of the critiques of the current economic model will be discussed in later parts, particularly Part XI.
Why is productivity so important in economics?
Productivity is a sign of how efficient an economy is. High levels of productivity mean more goods and services are produced with less effort and/or at higher values. This boosts the supply of goods and services in a society, decreases the cost of producing that good or service (meaning lower prices) and increases the value of labour (meaning higher wages for less work).
All of that is fundamental to making an economy "tick". As mentioned earlier, in mainstream economic thought it's believed that higher levels of productivity raise living standards.
Think of it this way: Someone pays you £100 to clear their garden.
If you don't have any tools to do the work (i.e. your bare hands, small trowel) it'll take you ten hours, so your labour output is worth just £10 an hour.
If you had advanced power tools, a mini digger and maybe more than one person to help you, you might be able to do it in 2 hours, raising your labour output to £50 an hour. You might even be able to do two or three gardens a day. You would be significantly more productive than in the first scenario because you've got better tools, can make better use of your time and produce a higher-value end product for the consumer.
How productivity is measured and why this presents problems for Wales
The main measures of productivity in a nation are Gross Domestic Product (GDP) and Gross Value Added (GVA). The figures can either be used to determine a whole nation's productivity or the average productivity per person (GDP/GVA-per-capita).
GVA is now the more commonly-used measure and is calculated by:
the value of all final goods and services produced in a nation
plus subsidies
minus direct and sales taxes on products (i.e. VAT)
The latest figures, from 2016, show that Welsh GVA was £59.6billion or £19,140 per person (see more: How rich is Wales?). The per-head figure was only 72.7% of the UK-wide figure.
Remember, this isn't a measure of wealth, it's a measure of productivity. The total turnover of Welsh companies in 2017 (pdf – p2) was £117.1billon – almost twice our GVA.
There's also one crucial word in the GVA calculation that was picked up by Swansea University economist Prof. John Ball earlier this year:
"Final goods and services".
Everything produced "in between" – processed raw materials, parts and components (known as intermediate goods) – don't count towards GDP or GVA figures. Guess what the Welsh economy specialises in? It doesn't mean it's discounted in economic figures, but it does suggest that produce from Wales might not be as high value as it perhaps could be.
Also, many high-value services used by Welsh people are provided by companies headquartered in London, Edinburgh or elsewhere – banking in particular, but also private pensions, personal investments, stock trading and insurance. This means when these companies handle Welsh money or commodities, it won't count as Welsh economic output but English and Scottish economic output because they're dealing with the final good or service.
If you want a more recent example. Arla's decision earlier this year to close a creamery in Denbighshire means that while Welsh milk will be sent to England and Scotland to produce "Welsh cheese", none of that will count towards Welsh economic output – yet we lose jobs, GVA, tax revenues etc.
Wales produces and sells very few finished goods at high market prices and that's perhaps why our GVA is lower than it otherwise should be. It's also a problem that goes back to antiquity, which I turn to next….