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Some subjects are much better paid than others, so although you may love the idea of writing about travel (badly paid) a better bet would be a niche like finance (much higher rates of pay). Check out the Pro Blogger job board for high paid freelance writing jobs – other places to look might be Textbroker or you can look at the "gigs" section on Craigslist.
Previously known as Affiliate Window but now officially referred to as "AWIN" after acquiring Zanox a few years ago, this network claims to work with over 13,000 active advertisers and 100,000 publishers (affiliates). Founded in Germany, AWIN's merchants primarily hail from Europe (especially Great Britain) although the U.S. network is growing rapidly. AWIN is currently active in 11 countries.
Affiliates discussed the issues in Internet forums and began to organize their efforts. They believed that the best way to address the problem was to discourage merchants from advertising via adware. Merchants that were either indifferent to or supportive of adware were exposed by affiliates, thus damaging those merchants' reputations and tarnishing their affiliate marketing efforts. Many affiliates either terminated the use of such merchants or switched to a competitor's affiliate program. Eventually, affiliate networks were also forced by merchants and affiliates to take a stand and ban certain adware publishers from their network. The result was Code of Conduct by Commission Junction/beFree and Performics,[35] LinkShare's Anti-Predatory Advertising Addendum,[36] and ShareASale's complete ban of software applications as a medium for affiliates to promote advertiser offers.[37] Regardless of the progress made, adware continues to be an issue, as demonstrated by the class action lawsuit against ValueClick and its daughter company Commission Junction filed on April 20, 2007.[38]
(That's why some of those products have such high gravities, of course: it's not that they're selling well - it's the fact that so many people just buy one copy, each through their own hoplink, so the gravity rises and rises and rises, though the sales numbers may actually be comparatively small, compared with many of the products I'm promoting with gravities around 5 or so, some of which are selling by the thousand. But I digress ...).
If you're the vendor, then you create your own product and set it up using Clickbank's system. They then list your product in their marketplace so that tens of thousands of affiliates can see you. They handle the tracking using unique tracking links and cookies so they know exactly where the sale came from and credit the referring account accordingly.
Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.
Work as an online interpreter or translator. If you're fluent in a foreign language, it makes sense to look for work as an online interpreter or translator. Depending on your individual skillset, you could find work translating blog posts or eBooks, transcribing recorded lessons or speeches for clients, or translating through Skype or another online video service. And, thanks to the increased use of foreign languages in the United States, getting started could really pay off. According to the Bureau of Labor Statistics, employment for interpreters and translators is expected to increase 17% nationally through 2026.
Make money on YouTube. People who love the spotlight and have other online hustles should consider creating their own YouTube channel. If you're interested — and interesting — you can use the platform to market affiliate products, sell products you create yourself, or receive ad revenue for your informal tutorials or entertaining videos. Once you get the ball rolling, YouTube offers a partner program that can help you monetize your business further.
If you have a background in a specific field, you may find there is a demand for writing industry papers in your area of expertise. For example, there are often adverts for doctors, lawyers, nutritionists, and business experts from particular niches, to write white papers on different subject areas. These are well paid jobs that you will need to stake your reputation on, but that can often be worked on from the comfort of your own home.
Colmex Pro is the leading European Regulated CFD Broker. Offering Tier 2 CFD's, as well as Live Equities, Indices, Commodities, Futures, and Forex, Colmex Pro offers nearly every investment vehicle available on the US Stock Market to international day traders. Coupled with their partner's educational packages and trade room access Colmex Pro offers investors the best opportunity to grow and learn how to day trade successfully. CPA up to $1000
It's not the sort of online money making opportunity that's covered in glory, but everyone needs a set of eyes to make sure the numbers add up at the end of the year. Every business and most individuals need someone to help prepare tax returns, especially time or resource-strapped small business owners. The Income Tax School provides an array of training programs that'll certify you with tax prep in as little as 10 weeks, and once tax season rolls around you'll be able to charge an average of $229 per return as a freelance tax preparer with this side business idea, reports CNBC.
(a) Promotional Materials. Amazon may from time to time provide you with a standard form template and other marketing assets for use in promotional marketing materials ("Promotional Materials"), subject to the limited license in Section 4(b) of this policy. Amazon reserves the right to review your Promotional Materials at any time for compliance with this Local Associates Policy. Any failure by you to provide the Promotional Materials in accordance with our request will constitute a material breach of this Local Associates Policy.
Next, you'll need the right tools. You can be as complicated or simple as you want depending on your comfort with audio equipment, but at the minimum you'll want a microphone and software for recording your voice. Companies like Behringer, Blue, Focusrite, and others sell studio-quality plug-and-play podcast setups that can get you recording today.
Basically, within the whole customer conversion funnel, from awareness stage to purchase, there should be a strong match between your product and your audience. In the funnel, customers start with the awareness stage. And when the product has great conversion rates, it means that customers move quicker through the funnel down to the sale stage, where brands and affiliates make money.
Links that Dynamically Generate Products: Certain types of links that we may make available to you dynamically generate particular Products to display based on a contextual analysis of the page on which they appear. Amazon will crawl or otherwise monitor your Site and store gathered content to implement these types of links and to improve dynamic generation and the Associates Program. If you implement mechanisms that prevent us from crawling or otherwise monitoring your Site, you agree that these types of links may not function properly, and you will be solely responsible for any such malfunction.
These Associates Program policies ("Program Policies") are incorporated by reference in the Associates Program Operating Agreement, and capitalized terms used in these Program Policies and not otherwise defined here will have the definitions provided in the Agreement. The rights and obligations of the parties under Sections 3 and 6 of the Associates Program Participation Requirements, Section 3 of the Associates Program IP License and Section 4(d) and 5 of the Associates Program Local Associates Policy will survive the termination of the Agreement. For the avoidance of doubt and without limitation for purposes of Section 6(a) of the Agreement, any violation of the Associates Program Participation Requirements, the Associates Program IP License, Section 1 of the Amazon Influencer Program Policy or Section 3 of the Associates Program Local Associates Policy will be deemed a material breach of the Agreement.
Rent out a room on Airbnb. Living near a tourist area has its perks, including the prospect of renting out a room for a profit. With home sharing sites like Airbnb, you can rent out a room in your home – or even the entire place – for a day, a week, or longer. If you have extra space and might enjoy the company of travelers, renting out a room is great way to earn some extra money with little effort on your part. See our post, "How to Make Money as an AirBNB Host."
To get started with Amazon affiliate marketing you will need to sign up with Amazon Affiliates. Then subtly market products on your site that are relevant to your niche and will be of interest to your audience. Make sure you only endorse high-quality products. If your visitors make a purchase on your recommendation but are not impressed with the item, you could quickly lose followers.
My name is Jamie Spencer and I have spent the past 5 years building money making blogs. After growing tired of the 9-5, commuting and never seeing my family I decided that I wanted to make some changes and launched my first blog. Since then I have launched lots of successful niche blogs and after selling my survivalist blog I decided to teach other people how to do the same.
Drive for Uber or Lyft: If you're in a locale where you can find Uber or Lyft (or even one of the many competitors around the world such as China's Didi), you could easily make a respectable income. The hours are flexible and you can work as you see fit, making it perfect even if you currently have full-time employment but are looking to make some money on the side.
Become a virtual assistant. Virtual assistants perform a wide range of services for their clients, all of which can be completed online. Depending on the day, they may open and reply to emails, schedule online work or blog posts, write mock-up letters and proposals, or perform data entry. You can look for virtual assistant jobs on sites like UpWork.com and Problogger.net.
Buy and sell domain names. If you're good at finding popular yet undiscovered domain names, you can make some cash on the side by buying and reselling websites. Think of it as digital real estate speculation. Domains are available on GoDaddy.com for as little as $2.99 per year, but are sometimes resold at far higher prices: According to Business Insider, the site MM.com sold for $1.2 million dollars in 2014. Once you find the perfect domain name to resell, you can market it on Flippa.com for a flat fee.
Freelance writing is such a great industry to get involved in if you want to work remotely. There's plenty of work available and it's typically one of the most flexible gigs in terms of scheduling. (You can often do the work whenever and wherever you choose.) Even better, it's pretty easy to get started with a degree or previous writing experience. Read more at Freelance Writing Jobs for Beginners
Thanks for the tip on gravity numbers. I knew that gravity was a way to tell how popular a product is and if it was selling or not, but I didn't know what type of numbers we should be looking for. My initial products chosen were certainly not chosen on the basis of gravity because I had no idea what it is! CB can definitely be a place to make some money, but one must be very careful to choose a good product. A new marketer might not always be able to tell the difference.
When promoting your affiliate program, make sure you're including information that potential promoters want to know. Generally, the most influential parts of your program are the product/service relevancy, affiliate program reputation , and affiliate network or tracking platform. Make sure you include that information when you promote your program.
Understanding the effectiveness of your affiliate program is crucial for sustainable success. Identifying your top-performing affiliate marketers, for example, can help you double-down on what's working. Why are they so effective? Were they very loyal to your brand before becoming an affiliate? If yes, then maybe you need to contact your most frequent shoppers about joining the program.
StudioPress is a WordPress hosting service and framework that is designed to make setting up and running a WordPress site much simpler and easier. StudioPress comes with its own unique themes and SEO tools, collectively known as the "Genesis framework.". Their affiliate program is solely for referrals to pay for a StudioPress framework account or buying a StudioPress theme. Previously, the affiliate program also included web hosting, but this is now managed separately by StudioPress's owner, WPEngine.
Website Development Help – need help setting up your theme? I've been working with the same 2 developers for 3+ years. To hire them, sign up for a Freelancer account, post your job (WordPress theme installation) then invite user i333 or bdkamol to your project. If you want, contact me and I will introduce you to them via email. Both are great developers with reasonable rates, speak fluent English, and I outsource all my programming work to them.
A lot of consideration, time, and effort go into launching and maintaining a successful affiliate program. The various platforms and plugins out there are geared towards different types of people and business needs. If you've created and run your own affiliate program with WordPress (and/or on a platform like Sharasale or Impact Radius) we'd love to hear about your experience in the comments below.
Normally you'll be asked to test a few websites by visiting them and to document and record your reactions and thoughts as you go through it. It's really easy to get set up making extra money online by testing websites. All you need to do is sign up to the following services: UserTesting.com, Userlytics, TryMyUI, Userfeel, TestingTime (UK only), or Side Income Jobs.
If you're reading this guide, you probably already have a website or you plan to create one. Your website should be directed to a specific niche. If not, it is convenient to do it because it will be very difficult to sell a product to "grow the buttocks" in a video game page. Go to a specific audience will have a better chance of selling a product. And a little advice: "Never try to sell, rather help find solutions to a problem". You understand me? I hope so because your success depends on it. If you ignore me, you will begin to sell a lot.
Lander > Offer: This is a much better approach than the above. A lander or landing page is a web page that you create and that acts as a middleman between the offer and the visitor. This could be a review of the offer, a video, an article…etc. The visitor would land on it, consume it and then click a link and get redirected to the offer. Warren Wheeler's case study on AMNinajs.com uses a variation of this funnel.
Cost per action/sale methods require that referred visitors do more than visit the advertiser's website before the affiliate receives a commission. The advertiser must convert that visitor first. It is in the best interest of the affiliate to send the most closely targeted traffic to the advertiser as possible to increase the chance of a conversion. The risk and loss are shared between the affiliate and the advertiser.
If you want to clear some space out in your house and have a big stack of books you've been holding onto for too long, you can make money selling your books and textbooks online. Stores like Half Priced Books and others will give you cents on the dollar for each of your current books while you can check what your book is worth by simply entering the ISBN number on Book Scouter.
Affiliate marketing is commonly confused with referral marketing, as both forms of marketing use third parties to drive sales to the retailer. The two forms of marketing are differentiated, however, in how they drive sales, where affiliate marketing relies purely on financial motivations, while referral marketing relies more on trust and personal relationships.[citation needed]
Thanks to Shopify's partners and app developers, figuring out how to create an affiliate program for your Shopify store is easy, as you can start by simply installing an affiliate app of your choosing. From there, each app will take you through an onboarding process that will get you up and running with an affiliate program catered to your business.
It's one of the oldest and most proven ways to make money – buy low, sell high. The buy low part comes from searching garage sales, estate sales, and even thrift stores to find items that are in good condition ("gently used") but selling well below what they would if they were brand-new. In this way, you might be able to acquire an item for $5, and later sell it for $50.


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subset: commoncrawl


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var login Language Array = { "language": { "error_email_required": "Please enter your email address.", "error_email_invalid": "Your email address is invalid.
Please choose a valid email address.", "error_wrong_username_password": "Identification impossible.
No matter your age, gender or appearance, it's never too early to get in touch with someone you find appealing.
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You have to register, click Buy bitcoins and select the seller by payment method and price hxxps://localbitcoins.com/buy_bitcoins [ATTENTION] Do not rename encrypted files Do not try to decrypt your data using third party software, it may cause permanent data loss If you not write on e-mail in 36 hours – your key has been deleted and you cant decrypt your files Your ID: – When the infection has finished scanning your computer it will also delete all of the Shadow Volume Copies that are on the affected computer.
It does this so that you cannot use the shadow volume copies to restore your encrypted files.


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Circa 1876 at The Convent - Pokolbin
Top tags:
We had the 7 course menu and it was absolutely incredible, we were completely blown away by the quality and service. They were very accomodating when we wanted to eat our dessert in the lounge area.
The food was absolutely amazing. We had the 7 course degustation to try a bit of everything, it was however, very slow! The first 4 entree courses took about 30mins between each and then suddenly the mains came out all at once. We were there for just over 3 hours and were so hungry for the first 2, and then sickly full at the finish because we had the heaviest part all at once
Wonderful evening of exceptional food. Jade was a stand-out staff member. Only (if I am being extremely picky) slight negative was constant topping up of wine felt a little pressured to get to the next bottle quicker. Could not fault anything we had to eat and what a delight to not have our meal disturbed by someone else's rugrats. An "adults only" dining experience, what a joy!!
I hadn't been to Circa for a while and I was thrilled that the food was as good or better than ever. We had a lovely evening with perfect food and attentive and thoughtful service.
The only criticism I have is that the local Hunter Valley wine on their list is priced at an incredibly steep mark up. We visited several of the wineries whose wine they stock and marks ups on cellar door retail were at least 300%. They would obviously be paying wholesale so that percentage would be higher. It would be nice to see local wine at a more reasonable price to encourage and promote the local industry.
We had a three course meal for lunch. Everything exceeded expectations. Setting was great for special occasions and service was impeccable.
Everything about our lunch was perfect. The restaurant is spacious with lovely views of vineyards, veggie gardens and rustic buildings. The waitstaff are friendly, helpful and do well to explain the intricacies of the menu. We enjoyed the delights of the 5 course tasting menu and vegetarian tasting menu. All dishes were well executed and imaginative. I will dream of the beetroot truffle risotto for years to come. Great wines too. This was a perfect start to our weekend in the Hunter. Thank you!
Fanatic service from the team there along with some amazing wine choices.
They made our anniversary that much more special.
We absolutely loved another dining experience at Circa 1876! The food is delicious, and it is really difficult to decide what to try this time...you just have to come back and try other meals next time. The staff are unobtrusive but very friendly, making you feel valued even when they have a full house. We had chosen this wonderful venue for our daughter's wedding last November, one of the best decisions of our lives. It holds an important place in our hearts, and we hope to return regularly. Thank you so much, everyone at Circa!
Wow. Just wow. Been fortunate to visit some wonderful restaurants around the world, and this one is right up there.
Delicious food, personalised service and attention to details. Special shout to lovely Jayde for making us feel at home. Excellent location, decor, and overall enrichment was mystically beautiful.
Absolutely incredible food, wine was amazing, staff are extremely friendly. Highly recommended, can't wait to come back for lunch.!
We were made to feel very special asked if we were celebrating and as we were there for a birthday they provided a special plate with macaroons
The service was impeccable and the was delicious
Great food, great location and knowledgeable staff
Wonderful Place and great experience, Chef was helpful to assist with dietary requirements that made it a memorable meal and to celebrate our anniversay.
Absolutely superb food and service. Beautiful location and wonderful ambiance. This place really is head and shoulders above most of the competition. Karen and Brent's service was impeccable and each dish was a work of art.
Absolutely superb food and wine. My partner and I had the tasting menu and could not fault a dish. The service was absolutely excellent, our waiter was extremely attentive and made sure we were well taken care of. Would absolutely return on our next trip to the hunter valley!
The food portions were generous especially dessert! The pork belly was sensational! melted in my mouth with a snap. Karen was the embodiment of the country vibe, very informative about the local produce, as well as genuine and down to earth.
The menu and the 2 or 3 course arrangements could have been explained at the table as it was a little confusing and we were reluctant to ask for clarification.
All in all a delightful hidden country gem we loved it. We will be back.
Upon arrival, we felt like we were part of the restaurant. everyone was friendly/welcoming, informative and understanding. Food was fantastic, we had the 7-course tasting menu and our daughter had some items from the menu which she thoroughly enjoyed. The 7-course menu/food was amazing, with simplicity infused with various herbs/flavours that were absolutely enjoyable.
Food was incredible, staff were knowledgable and attentive, wine was paired perfectly with the food even though they altered the pairings as one of us can't drink red 10/10 would recommend and come again
Wonderful food and atmosphere. Friendly, professional and knowledgeable staff. A definite must if you are in the area.
Amazing food! Amazing experience! Still thinking about thos scallops! Wait staff were lovely
Food and service was beautiful, we will certainly be back. And I have already recommended to friends for a romantic dinner.
Without a doubt my favourite dining experience ive ever had. Couldnt fault a single bit of the night. Everything was 10/10!
This is a very special spot to dine. We both loved the building's character and enjoyed quality wine and impressive food.
Staff were great and helped to guide us through the menu.
The biggest hit in the Hunter Valley
awesome service and meal. will definitely recommend this place :)
Great food great service nice warm fire place set out perfectly with good vibes
Food and service were superb. Such as nice surprise when Trent came to our table to say hi
The setting and the character of the old building transitioning to the new but ' old ' dining hall was charming. Tables were spaced well so we didn't feel like our conversation was being heard but others. Fantastic wine and menu choices, with the food amazing. Next time I'm in the Hunter region i'll be back.
Food was amazing but our food took way too long
We have now been to Circa a few times. We love going on a Sunday night as it is more relaxing and a great finish to a hectic weekend. The food is fantastic and the staff are wonderful. Will recommend it to all my friends when visiting the Hunter Valley. Thank you again for a great night. The ambience is perfect.
Food and restaurant was excellent. Service was outstanding. Only fault was the range of wines, very limited and no mid range priced wines.
A wonderful dining experience. The food, presentation and service was outstanding
This was a beautiful place.. service and good very good
Surprised my wife with a trip to the vineyards and dinner at this fantastic restaurant. The food was absolutely amazing and the restaurant itself is just amazing. The staff were excellent and very attentive. Looking forward to going back again.
I would highly recommend dining at Circa 1876. The food was amazing, the service was personable and knowledgeable (thank you Hannah) and the overall experience was truly memorable.
Can't wait to go again!
We arrived at 6:30pm for dinner with our 2.5 year old daughter and ordered the rib eye to share. We were told it would take 45-50 min. 1 hour and 10 min later they brought out the steak for us to look at before they cut it. We waited another 20 min for the steak to be cut. The steak arrived cold and dry and over done. The sides then took another 10 min to come out. We told 2 waitresses that the steak was inedible and sent it back.
Nobody asked us if we wanted anything else or to even apologise or acknowledge what had happened.
We left the restaurant 2 hours later without having had dinner and with a cranky toddler.
We then ordered pizza from Gourmet Pizza Cessnock and it was FANTASTIC!
But.... not exactly how we thought our special night out would be.
So disappointed with the food and especially the service.
Next time we will go back to Muse and Exp Restaurant which we're both amazing.
Very pleasant environment to have a meal and the service was terrific, especially in that the staff knew when to engage with the table. The food was well presented and more importantly delicious to eat. The best meal we have had in the Hunter region.
Food and the service was amazing, couldn't fault a thing. Will definitely be back.
Excellent food and service in a beautiful setting. Would definitely recommend and come again.
Very happy with our experience. We were staying at The Convent Hotel which dropped us off and picked us up in a buggy (nice touch).
Walking into the restaurant we received a warm, smiling reception. They took our coats and escorted us to our seats. A beautiful fire at the end of the room was a perfect setting for a winter dinner.
I had the 5 course meat tasting menu and my girlfriend had the vegetarian tasting menu.
We both shared the dishes and I can not fault any of it, absolutely delicious and completely satisfied, didn't need to order a single thing more, the matching wines did compliment the meals nicely also.
Thank you to all the very knowledgeable and friendly staff for making our experience there perfect :)


text: Aoife the Celt 0 Report post Posted March 12, 2008 The Hnoss Fashion & Luxury Boutique, named after the daughter of the Norse goddess Freyja, is one the world's finest shopping spots. It has an amazing collection of bags, dresses, fragrances & perfumes, jewelery, makeup & cosmetics, scarves, shoes, and skirts. Quote Share this post Link to post Share on other sites


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Join Up/Down at the Summer Porch Jam in Suwanee, GA to celebrate International Make Music Day! We'll be joining a variety of musical acts and will be leading a community jam at the end of the night, hope to see you there!
Back to All Events
Earlier Event: June 19Up/Down at Walls of Books
Later Event: June 23Up/Down at Southern Brewing Company


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Inkwell and the Workshop
Inkwell was the perfect place for a calligraphy workshop. Not only because of the name, which is perfect, but because it was such a cozy place to sit, get to know some people and letter a rainy Sunday away.
I'm not a seasoned expert at running workshops but I'm starting to see a common thread. My favourite part, no matter the topic of conversation, is the enthusiasm of the participants. It's so easy to share and exchange ideas with people who are really excited to be a part of it. So thank you to all of you who came last Sunday. It was a lot of fun. And thank you to Andrea, who invited me to come in the first place.
The part that wasn't fun was my ink reacting with my paper. Too much water in the ink, meets too much absorption in the paper. I found it beyond frustrating to work with but knowing there was a good thirty minutes of lettering ahead of me, I figured I'd better just go with it. If you want to see some better examples of work being done that morning you should visit Sarah Phelps Creative and Half Sweet Vanilla. They posted some excellent photos and talked about their experiences that morning. But be warned, those blogs are great and you might find yourself visiting them regularly.


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Shielded twisted-pair cable
Ecumaster USB cable
Boost Solenoid
Can Bus Module
Bluetooth Module
Digital ECU Tuner Plugins
Bluetooth Can Bus Module
8x EGT Can Bus Module
Ecumaster EDL-1 DataLogger
CAN-bus keyboard
Inserts CAN-bus keyboard
Connector set EMU
Ecumaster Banner
DBW Module
Rotary switch
Box 2-kanalen common rail
Haldex drag controller
USB to CAN
CAN keyboard 1 button
CAN switchboard
Ecumaster wire set DET 3
Wheelspeed to CAN module
CAN IR Temperature camera
Dual H-bridge
Digital Gear Display
Bosch LSU 4.2 Wideband sensor
Wire set EMU
Ecumaster EMU Classic
Intake Air Temperature Sensor (IAT)
Connector LSU 4.2 Bosch Wideband...


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Sophia Voelker (Black Butterfly Studio)
What initially captured your imagination about the medium you use?
Acrylic paint is consistent in its vibrancy and allows for countless blending techniques, whether done with my fingertips, paintbrush or a spray bottle.
What types of things inspire you to create art?
Each series of artwork represents an encounter with people I have befriended, worked with, and casually "people-watched" while at a stop light or during a leisurely walk with my family. Stories are told through my paintings. I am pleased when admirers and collectors are filled with joy and experience a moment of child-like curiosity about the story behind each painting.
What life experiences have helped to shape you as an artist?
I was inspired to teach myself to paint after I saw my grandmother's sketches, learned of my Uncle Mark Sabino's art career and heard of a family member's involvement in the design of the St. Thomas, U.S. Virgin Islands flag. These artistic connections fueled my ambition to bond with art communities wherever I've lived.
Tell us about your creative process, from the beginning of a typical piece to its completion.
I do not use a sketch as my outline. It is much easier for me to freehand each piece from start to finish. Since I must work at night, I use high lumen white LED lighting. If there is available time for corrections during the day, touches/edits are made along the way.
What plans do you have for the future direction of your art?
As of May, I have completed the final draft of a children's book in which I will also illustrate. It is my hope that I can find both a licensed or certified editor and a repeatable publishing company (preferably local to Wisconsin).
More projects under way are as follows:
Adult graphic novels
Book illustrations
Adult novels
New Art Series:
Diversity Among Us
This Little Nook of Mine
In the Biz
liTTle mAn and Cherry – The Adventure Continues (Digital Art, Paintings and stories)


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Cool Hunting: Travis Rice Snowboarding Film Offers High-Def And Birds-Eye Views
Follow snowboarder Travis Rice as he tackles slopes in Chile, Colorado, Argentina, Romania and Jackson Hole Wyoming, in his new film 'The Art of Flight' which premiers on September 7.
Travis Rice's use of the word epic to describe his new snowboarding film 'The Art of Flight' barely does the powder-crushing tour de force credit. The Herculean adventure, captured by the same type of Cineflex cameras used to film Planet Earth, shows Rice and his handpicked crew as they snowboard some of the wildest terrain around the globe.
The Art of Flight is Rice's follow up to the award-winning film 'That's It, That's All'—both shot by Curt Morgan, a snowboarder who turned to filmmaking after a serious back injury. A self-dubbed 'tech geek,' Morgan and his boutique production house Brain Farm test the limits of aerial cinematography, shooting for outlets like National Geographic, ESPN, the U.S. Marine Corps and Red Bull (who also sponsored the film).


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The Holiday Wonders Inspiration Blog is filled with great holiday ideas, destination guides and tour information. Have a browse through and see where your next holiday could take you!
Discover more about our exciting holidays and take advantage of exclusive offers at our FREE info sessions held at the Wallis Cinemas in Mitcham, SA.
The Holiday Wonders Group is one of Australia's best travel agency groups, with a range of holidays to suit every traveller. Based in Adelaide, South Australia, Holiday Wonders has been part of the Australian travel scene since 1975. Our original Holidaymakers touring division were the instigators of the V/Line Holidays team who introduced low-cost rail coach holidays throughout Australia for solo travellers.
You can retrieve your booking online to view the status of your booking or pay the balance owing on your booking online.
Check when the balance amount of your holiday is due by viewing our list of tours & their balance due dates online.
Let Holiday Wonders take you on a memorable journey to Australia's iconic Outback! Learn about the tragic Burke & Wills expedition, explore the breathtaking Cape York region in Far North Queensland, visit the incredible Painted Desert in South Australia or enjoy a holiday in the Outback Queensland town of Longreach whilst enjoying the hospitality of the Kinnon family.
Flights are included in the prices of our these holidays (as required)
Outback Adventures
A True Blue Christmas
4 days | Departs 23 Dec 2019 -
Join us for the most unique Christmas ever! This year, Santa will be helped by Anne (Santa's helper) who will ensure that you have a wonderful Christmas to remember.
Burke & Wills Outback Discovery
7 days | Departs 6 Jul 2020 -
Learn more about one of Australia's most tragic stories – the Burke & Wills expedition – and discover more of Australia's Outback desert landscapes on our popular 7 day journey from Adelaide.
Painted Desert Discovery
7 days | Pre-register now for 2020 -
Visit the incredible Painted Desert on a journey that will also take you to Coober Pedy, the Flinders Ranges & the Oodnadatta Track.
Stockman's Choice
10 days | Departs Apr to Oct -
Experience the spectacular Australian Outback on a guided tour to Longreach, including a return journey aboard the Spirit of the Outback train.
True Blue Magic
11 days | Departs 16 Jul 2020 -
Experience the best of Australia's Outback, visiting iconic locations such as Broken Hill, Charleville, Longreach, Winton, Boulia & Birdsville on our most popular Outback adventure.
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Ex-UA point guard Parker Jackson-Cartwright has signed with the Cheshire Phoenix Basketball Club, a British Basketball League team based outside of Liverpool, England.
PJC spent last season rehabbing a leg injury and trying out for the Raptors' G League team, but Cheshire Phoenix coach Ben Thomas expressed optimism he would be a big part of his team next season.
"I'm really happy that we have been able to bring a player of Parker's caliber to the Phoenix," Thomas said in a club statement posted to Facebook. "I think this really shows our ambition and makes a statement for our season.
"Parker is going to bring a lot to our team. Firstly he is an outright point guard with lightning pace, he will be able to control the tempo of the game for us which is something that we have been looking for this season."
In a post to Instagram, Jackson-Cartwright said he was excited for the new opportunity with the "Nix."
Nico Mannion, Josh Green and Jemarl Baker are helping out at a West Coast Elite event this weekend.
Josh Green, Nico Mannion and Jemarl Baker Arizona speaking to our West Coast Elite Nor Cal 15u UAA group after win tonight. #westcoastelite #wceua #ALLIN #wethewest pic.twitter.com/oCWQCxAbzc— Ryan Silver (@RyanSilver1) July 20, 2019
Really appreciate Nico Mannion, Josh Green and Jemarl Baker supporting and mentoring our youngsters. West Coast Elite Under Armour Family. Attitude of Gratitude... #westcoastelite #wceua #ALlIN #wethewest pic.twitter.com/wEtd1YIDyM— Ryan Silver (@RyanSilver1) July 20, 2019
Salpointe's Evan Nelson was named honorable mention all-tournament at the Under Armour Rise event last weekend. Former UA recruiting target Osasere Ighodaro was named to the all-tournament team.
Congratulations to Powerhouse Hoops 2020 G @ezdoesit_24 on Bring Selected to the @uarisecircuit Honorable Mention TeamThe Tucson @SalpointeMBB PG is One of the Top Prospects on the West Coast & Across the Country!@theShowJLVargas @areacodes @GreggRosenberg1 @azc_obert pic.twitter.com/YQJEv2wlzl— POWERHOUSE HOOPS (@PowerhouseHoops) July 19, 2019
Congratulations to 2020 Wing @_oso_i on Being Selected to the @uarisecircuit 1st Team All RiseThe 6'10 Prospect Has Narrowed His List Down@TexasMBB@MarquetteMBB@VandyMBB@StanfordMBBBig O Is One of the Hottest Prospects in the Country!@theShowJLVargas @areacodes @WCEBball pic.twitter.com/r6MY8kO389— POWERHOUSE HOOPS (@PowerhouseHoops) July 19, 2019
(Maybe former) UA recruiting target Terren Frank told Stockrisers that UCLA, Colorado and TCU are recruiting him the hardest, with Texas and Kansas starting to show more interest.
Five-star 2020 guard Brandon Boston of Georgia will transfer to California's perennially loaded Sierra Canyon School.
Channing Frye and Richard Jefferson sparred jokingly about life in basketball retirement.


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I support my clients in reaching their goals in life and work by offering: Balancing life and personal life. Stress management. How to safeguard your authenticity. How to be creative in a world of mass consumption. What are your personal values. How to build acquisition skills: sell yourself and your firm. Be healthy and still be social. Management and leadership skills: how to manage your colleagues and management. Be more digital; stay fresh in the game.
Although I welcome clients from all walks of life, my focus is on clients operating in or working at:
Corporate professionals: having been part of corporate teams as a lawyer for more than 15 years helps to understand challenges that corporate professionals. You will tackle issues that are encountered in your corporate life; colleagues, management, leadership, work life balance, setting goals for the future.
Business Owners: being independent, innovative and hardworking is challenging; the journey can be lonely and finding continued inspiration is hard. We will regain inspiration to pick up new business ideas, new channels, become more innovative, more digital and together come up with new ideas.
How does it worK?
Solution Based: the coaching is solution based (instead of problem based). The ingredients are derived from transactional analysis, exercises relating to personal values and talents, logical levels of thinking Dilts Bateson, stimulating and limiting scripts, role playing scenarios, visualization, stress management, creative (writing) exercises – some focusing and performance optimisation techniques. Everything as it becomes relevant during the journey, not dictated by the program. Patience and intuition is guiding.
I follow up – between sessions – with short (writing or drawing) assignments, inspirational podcasts, TEDtalks, articles and book suggestions, available in a secure client login area. Google docs, Headspace, time tracking apps, and Slack are used to jointly work on documents in private mode, where needed.


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For the 20th anniversary of FIL at Parque das Nações, we created an interactive timeline on a giant ledwall. In this experience, visitors are positioned in one of the 4 brands marked on the ground and "magically" a video appears on the screen, highlighting three fairs that took place in the decade.
According to the visitors of the BTL – Lisbon Tourism Exchange, the fair that inaugurated this exhibition, this an innovative and captivating way of telling a story.
Client: FIL
This time our 3rd person interactive experience was used at Moche brand activation stand on Lisboa Games Week, at FIL in Lisbon.
With the claim "Moche Lag Experience", many visitants have accepted the challenge of seeing themselves outside of their body and walking a course with obstacles.
Client: NERVO
For the Fashion Icon – Frida Kahlo exhibition at CascaiShopping we were invited to create videos and interactive displays to accompany original photos of Frida Kahlo.
Inspired by the legendary artist we took some models, fashion styled them accordingly, and shot slow-motion videos that would depict still frames with nuances of movement.
We also created interactive screens allowing the visitors to control the movement of the models by their proximity to the screens.
Client: SOTA – Agência de Arte
Special thanks: Valentim de Carvalho
For the opening of EPIC SANA Lisbon Hotel we created a lot of elegant and innovation moments by several different video presentations that we produced.
During the event, this video presentation was displayed at different places, like projections in glass doors, over swimming pools and at massive multi-screens in the conference lounge. For the Welcome drink moment, we produced an interactive large screen catalog controlled by movements in the air and for the most important moment, the innauguration, we created a show with video choreographed dancers, followed by a DJ and VJ set.
Client: Sana Hotels
This Christmas season we digitally decorated the recent Mercedes-Benz store at CascaiShopping.
The store's main stand out characteristic is the way it envolves the full shopping mall's entrance with several digital screens, therefore the multimedia contents we developed had a strong purpose to make the visitors entrance experience feel magical and heart warming.
Besides the content creation for the several digital signage screens by LG, we developed interactive experiences. Visitors could glance at an elegant and cozy Christmas living-room every time they would walk by the large videowall in the corridor, and also explore a video gallery and enjoy a photo booth that integrated their picture into a beautiful christmas environment.
Client: Mercedes-Benz & C. Santos VP
For the official opening of the Mercedes-Benz store at CascaiShopping, we developed interactive content for several digital signage screens by LG.
We created multimedia contents in an ultra wide format and developed an interactive experience that invited people to approach the large videowall so they could ear the sound of large waves a strong image of the Nazaré's Gigantic waves surfed by Garret McNamara.
Besides the video productions, we also developed a discover and fun interactive experience, a place were you can get to know Mercedes-Benz products and enjoy a fun photo booth that integrated the visitor´s face into the McNamara´s body.
Client: Mercedes-Benz & C. Santos VP
For the Digital Mckinsey stand at the Web Summit, Lisbon, we developed an interactive experience that allowed the visitors to see themselves and their surroundings in third person.
This experience consisted of a challenge to walk through a given space, but watching themselves as if in a digital environment, in third person. An amusing outer-body experience that explored in its full potential our different senses and point of view, similar to the work spirit of Digital McKinsey
Client: Brandcorp
For the "Pordata Viva" exhibition at Pavilhão do Conhecimento – Ciência Viva, we were commissioned to develop several interactive educational experiences.
Such as: "DJ Data", a game connecting dance rhythms & statistical data; "Which country is this", an arcade game to interpret "statistically-deformed" maps; "Data and I", a fun installation where visitors jump in order to fill empty slots with colourful ping-pong balls, creating a visitor´s participative graphic.
Planning and exhibit development: Pav. Conhecimento
Client: Pordata – Fundação Francisco Manuel dos Santos
For LoginPT´s "Future Pavilion" we developed a presentation show integrating video mapping with an holographic fog screen and other interactive solutions where we invited the guests to walk through the future.
This roadshow travelled around the world to show the best being done in Portuguese technology.
Client: Zook
For Luís to surprise his girlfriend on valentine´s day, TMN gave him a little help using our laser paint system.
Client: Blendcode
This is us, testing a kinect cloud point image, projected on a holographic vapor curtain. Walking trough this curtain is a magical experience.
As far as we know, this is the only video screen you can walkthrough just like magic, (without getting hurt or wet)
This is an interesting and unique solution to use on corporate events or brand activations. After this test we developed a customized video-mapping show integrating the fog screen.
You can see it here.
We had an idea: to give the clothing store´s mirrors the functionality of making it easy for us to compare different clothes we put on to try, and besides of making a video for comparison, to allow us to instantly share the new clothes we are trying so our friends can see and give us their opinion.
LG liked the idea and opened their showroom for us to make the first tests of this brand-new interactive mirror in their digital signage screens. The idea grew, and we also ended up developing multimedia contents to embed in mirrors for the hairdresser's universe.
A happy surprise for any distracted person passing by!
When crossing the designated area we suddenly present a surprise message. Lets be creative, fun and make someone's day.
If you want to create different environment moods or to show how easy an environment can be personalized, we make it possible at the distance of a touch.
For venue stages that require a special and innovative touch, we design and develop interactive led structures to upgrade the stage cenography.
The light mapping technique, allows for the development of a reactive design that is controlled both in sync with the multimedia video presentations as well as stand-alone for special moments on stage.


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4 New Technologies That Will Change Your Home Entertainment Experience
Technology to The Rescue Again! Tech hath wrought so many miracles. They've improved our lives in so many ways. What are you reading this on now? A sleek laptop, or maybe a smart phone that can do everything from tell … Continued


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Jugraafiya is the first song to come out from the Hrithik Roshan starrer Super 30. To those who do not know the meaning of Jugraafiya, we must tell you that it is localized version of the word Geography. Beautiful song has been crooned by Shreya Ghoshal and Udit Narayan that is pretty soothing on the ears. Romance between Hrithik Roshan aka Anand Kumar and Mrunal Thakur who is playing the character of Anand Kumar's wife has been showcased here. By looking at the song, you may be reminded of the time when you have to keep your love for someone secret. Flaunting boyfriend or girlfriend is not seen in well manner by the society. Song has been picturized in a realistic manner.
Composer of the song has been Ajay-Atul. The song has been loved by the people mostly due to its old world charm. In the past, Ajay-Atul and Shreya have collaborated with each other on the songs of Dhadak in Bollywood. Music of the song has not disappointed us at all.
Super 30 is based upon the life of Anand Kumar who is a math professor from Patna. Anand has helped students from underprivileged bckground to obtain a seat in IITs through math coaching. Through the movie Super 30, Mrunal Thakur is getting her first break in Bollywood. In the past, she has been seen in Love Sonia where performance of Mrunal has been praised a lot.
Release of Super 30 is scheduled on 12th July, 2019. So, are you ready to see Hrthik as Anand Kumar?
Reference Link: https://youtu.be/yyUodifWNxU
ALSO SEE – What! Hrithik Roshan's Super 30 Is In Trouble Once Again As The IIT Students Have Asked For A Stay Order On Release Because Of Anand Kumar


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The Prints for Life service is £150. This can be paid in full, or can be split across some payments. If you would like to purchase the package, please fill out the contact form. Once you have completed the form, we will be in contact with you as soon as we are able. We gather details about who the service is for and a bit of background information and send out the first pack. Once you are happy with the service and have sent back the first pack, we can discuss the payment options we have that will work best for you and your family.
If you would like an additional book from a previous or ongoing service, this can be purchased for £40 per book.


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I also made a detachable cape for the paldrons with draped Pearl's on the back
Sent from my SM-N9600 using Tapatalk
I think its neat to see the different styles each mermaid has! These are some things I made plus the octopus top I bought from Raven the shell paldronsohio_Ren Today, 02:38 PM
Sold!Trade Winds Today, 01:00 PM
Good luck I hope the socks do the trick!
Happy Mermaiding!
Welcomeeee! Just out of curiosity, which tailmaker are you thinking about going with for your silicone tail?Mermaid Alea Today, 11:18 AM


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Spotlight: Insurers Leverage Africa's Telecom Networks
Forget Silicon Valley and Tel Aviv; if you are looking for mobile insurance innovation, take a look at Africa.
Playing 'Leapfrog' in Africa
Technology organizations call it 'leapfrogging' – when a country or region skips an entire generation of technology to become a world-leader. And so it has been with Africa and telecommunications. Landlines are rare – just two percent of African homes have one, yet mobile penetration is among the highest in the world in many markets. In Egypt and South Africa, mobile phone penetration tops 100 percent; Nigeria and Algeria are above 90 percent.
Interestingly, the rapid adoption of mobile has allowed the continent to achieve another 'leapfrog' maneuver, this time in banking. The launch of Safaricom's Mpesa mobile money transfer service in 2007 has utterly transformed the way people buy and sell items in Kenya; around half of the country's GDP now funnels through the Safaricom network each year. The initiative's success has catalyzed dozens of similar systems around the world.
Insurers Look to Africa for Growth Networks
With mobile penetration and usage rates rising everywhere, a small but growing number of insurers are now looking to leverage Africa's mobile leadership to achieve their own 'leapfrog' maneuver by partnering with leading mobile organizations and local innovators to create entirely new products and services. Much of the activity has been in three key areas:
How does it work? Similar to bancassurance, mobile network operators leverage their existing network and customer database to promote products, manage claims and handle customer inquiries through voice and SMS, while insurers manufacture products, receive premiums and settle claims through mobile wallets.
Who is doing it? One of the first and most successful programs (Mi-Life) was launched in 2010 through a partnership between Hollard Insurance (one of South Africa's insurers), MTN Ghana (a mobile operator), MicroEnsure (a rapidly-growing mobile insurance distributor) and MFS Africa (a mobile wallet operator).
Weather-index micro-insurance:
How does it work? This variation of the micro-insurance model is intended to protect farmers from drought risk and excess rain. Farmers buy coverage when purchasing agricultural inputs, registering the product electronically via a smartphone scanner. Stockists collect premiums and transmit them via Mpesa, which also disburses claims to farmers.
Who is doing it? Kenyan insurance company UAP Insurance Limited partnered with mobile operator Safaricom and Switzerland-based Syngenta Foundation for Sustainable Agriculture (SFSA) to launch 'Kilimo Salama' crop insurance.
Mobile network insurance partnerships:
How does it work? Mobile network operators bear insurance costs on behalf of customers, who are covered provided their monthly airtime consumption exceeds a specified threshold. The included insurance coverage then increases commensurate to airtime consumption.
Who is doing it? A number of programs exist across the continent including in Ghana where Vanguard Life and BIMA, both local insurance providers have partnered with MicroEnsure (the mobile insurance distributor) and Tigo Ghana (a mobile network operator).
What Makes These Partnerships Work?
Besides the ability to share resources, R&D budgets and risks, these innovative partnerships also leverage the core value proposition of each party to create a new idea or concept. For insurers, partnering with a trusted brand is also critical, particularly in markets where the public remains skeptical about the benefits of insurance.
Ultimately, by creating partnerships with non-traditional players, insurers operating in Africa have been able to expand their market reach, improve their reputation, drive growth and inspire world-leading innovation.


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Guest Blogs
The January Show – A Different Kind of Theatre Experience
A few weeks ago in Garter Lane Arts Theatre in Waterford, audiences were treated to a somewhat different piece of theatre. Titled The January Show, this piece could ostensibly be called a play, but the clue is in the title. The January Show – written and directed by Waterford writer, Anna Jordan – is more than a play. It is indeed a "show", featuring drama, music, dance, and spoken word – with a live band on stage throughout.
The January Show tells the story of the eponymous, January, the offspring of an alcoholic father and a distant mother, struggling to deal with her family, her feelings for spoiled rich kid, Emily August, and the amorous attentions of Emily's brother, referred to simply as "Boy".
"It's the story of a dysfunctional young girl told through excerpts from her diary," Anna tells me. "It displays obsession, loss, love, and what it takes to surpass a storm."
Anna is – as she says herself – "a born and bred Waterford girl and publican's daughter". (The pub she refers to is the Waterford institution "Jordan's Bar"). She got her first break writing a one act play for Waterford's Imagine Arts Festival.
(Anna Jordan)
"I didn't have a clue what I was doing," she laughs. "I remember the programme for the festival was out, my play was advertised and I didn't have the thing written. I wanted to emigrate! But I managed to get it from page to stage through pure panic."
Several shows followed, one of which – The Bannisters – was a sell out show. Anna had found her feet. But she soon realised that juggling life and art wasn't easy.
"I was a young mother of three, and bride-to-be. I had no time to be a writer. To script The Bannisters, I had to pull all-nighters and then do school runs and then go back to work in the pub for the night, then home to write and that was just on repeat. I only managed to stage a few short plays. Just trying to hold onto who I was."
This all changed in 2014. "My marriage broke down. It was just awful. My world fell apart. I wound up getting sick and was so weak and couldn't breathe. I'd never felt so bad and was treated worse. So I decided it was never going to happen again and that is where The January Show came from."
Anna decided to work through it with her writing. "The January Show is every part of me," she says. "It was a two year process of recovery done through theatre."
(Karina Thompson, Gráinne Kavanagh, and Becky Phelan in The January Show)
"I decided I would write, direct, compose, and sing in the show. With a cast of five and a band of six and still juggle being a single mother of three. I really believed I had bitten off more than I could chew. I was actually convinced of it. I felt like I did all those years ago when I was writing my first short, I just wanted to flee the country."
But, once again, she didn't flee. She stayed and put on a memorable piece of theatre. It's brilliant to see a playwright (or any writer) not afraid to take risks. It's also wonderful to see so many young people at the theatre. On the night I was in attendance, the audience was probably split 50/50 between over-25s and under-25s, and all the under-25s seemed to love the show. (I even heard one young girl call it "The best piece of theatre I've ever seen").
"To see the audience jump to their feet at the end of each performance made the hell of putting the piece together all worthwhile," Anna says. "Aside from my children, this was what I was living for. This is who I am."
Follow Derek online, on Twitter and on Facebook.
Derek Flynn runs Writing.ie's SongBook blog, and is an Irish writer and musician. He has a Masters in Creative Writing from Trinity College, Dublin. He's been published in a number of publications, including The Irish Times, and his fiction was featured in 'Surge', an anthology of new Irish writing published by O' Brien Press with the aim of showcasing "the very best of the next generation of Irish authors". Online he can be found at his writing/music blog – 'Rant, with Occasional Music' – and on Twitter as @derekf03


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The original huaraches date back hundreds, if not thousands of years.
Last updated: Tuesday, October 22nd, 2019 - 12:00:50 PM


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The expectations of men who place great emphasis on comfort are met by Borcan club, thanks to their men's t-shirts which can be easily combined with jackets, waistcoats and trousers to achieve elegance during every day of every season. Borcan Club's t-shirt, waistcoat, shorts, capri shorts models are renewed to match the theme of every season and they are presented for the tastes of stylish men everywhere with different color and pattern options. With its comfortable and stylish designs, Borcan Club appeals to the tastes of every men. Coulfate is with you to choose the models that appeal to your style. You will certainly find products to you satisfaction after you have examined our products in detail.
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Professional skills development
Insight, identification and advice in matters of paint and paintwork. This is where the focus lies in developing a sound diagnosis and plan of approach during the training in professional, sustainable paintwork. Building your professional skills on solid footings…
Training course in professional, sustainable paintwork
In this interactive training course the participant learns to professionally diagnose the substrate and finished paintwork. What type of paint defects could arise and why? Which measures should be taken? The course offers a number of answers to these questions. Naturally you are invited to share your own practical examples.
The most important aspects of appraising, inspecting and diagnosing paintwork are addressed. Measuring equipment and paint systems identification are among the topics. After completing the course the participant will be better qualified to identify paint issues and have a broader insight of measures required. The participant can now further develop their skills and insights in practice. An excellent basis to become a paint technical adviser.
The training course has a theoretical and a practical component. After a general introduction on paint in relation to the environment and regulations, it is time for the practical part.
In the practice area, "het Palet" (the Palette) the participants will have the opportunity to practise with various measuring devices. Techniques for identifying different paint types are discussed. Various exercises based on practical examples are completed to help identify damage to substrates. Substrate properties and possible building issues are discussed.
Target groups
For experienced professionals who deal with paint work. Principals, property managers, architects, foremen, building inspectors, and, of course, painting trades people.
Admission level
A sound basis and some years working experience are necessary for this training course. At the end of the day you receive a reference work.
2 half-days
Date and time
Training location
Russenweg 14, 8041 AL Zwolle The Netherlands
contact person
Bert Visser
contact details from Bert
E email@example.com


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Politics portal
Mexico, Mexican Revolution, Law, Governor of Yucatán, Yucatán (state)
Mexico, Antonio López de Santa Anna, Anastasio Bustamante, Mariano Paredes, Guadalupe Victoria
Veracruz, Authority control, Anastasio Bustamante, Antonio López de Santa Anna, Xalapa
Miguel Miramón, Authority control, Mexico City, Veracruz, Tabasco
Mexico, Veracruz, Mexico City, President of Mexico, Convention of Aguascalientes
San Luis Potosí, New Spain, Authority control, President of Mexico, José Joaquín de Herrera
Mexican Revolution, Coahuila, Manuel Gómez Pedraza, Luis G. Vieyra, Authority control


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U.S. stocks were down Tuesday as the Dow Jones Industrial Average fell 7.9 points to 8840, the S&P 500 fell 5 points to 946 and the Nasdaq Composite slipped 11 points to 1898. Among the companies whose shares are actively trading in the session are Regions Financial Corp. (RF), Caterpillar Inc. (CAT) and JDA Software Group Inc. (JDAS).
Regions Financial ($3.39, -$0.65, -16.09%) swung to a loss in the second quarter on surging loan-loss provisions as the Southeast regional bank continues to see its credit quality suffer. Shares fell as the loss was wider than analysts expected.
Caterpillar's ($38.77, +$2.12, +5.78%) second-quarter profit fell 66% as the heavy-machinery maker posted slumping machinery and engine sales as job-cut charges further reduced earnings. Still, Caterpillar's shares rose as the profit beat Wall Street's expectations and the company boosted full-year earnings expectations.
JDA Software ($21.20, +$4.76, +28.95%) reported its second-quarter profit nearly tripled as revenue climbed 8%. Excluding items, JDA reported earnings of 47 cents a share, blowing away the 30-cent profit analysts had been expecting as it said software sales were strong and its consulting business was improving. The company also named Peter Hathaway as chief financial officer. Hathaway recently held the same post at Allied Waste Industries Inc.
CIT Group Inc. (CIT, $0.94, -$0.31, -24.80%) said late Monday it had struck an agreement with a group of creditors that will provide it with $3 billion in loans, a development that gives the ailing business lender time to restructure its finances. But as the company outlined details about the agreement, it warned it may have to file for bankruptcy and said it expects a second-quarter loss of more than $1.5 billion.
Lexmark International Inc.'s (LXK, $14.88, -$3.89, -20.72%) second-quarter profit dropped 80% as the printer maker took restructuring charges and continued to struggle with demand woes.
Idenix Pharmaceuticals Inc.'s (IDIX, $3.83, -$1.16, -23.25%) second-quarter loss widened amid a $1.5 million charge related to job cuts, but the company reported strong results for a study of its hepatitis C drug candidate.
Zions Bancorp Inc. (ZION, $10.41, -$1.81, -14.81%) swung to a second-quarter loss as its provision for loan losses soared. Citigroup also cut its investment rating on the regional bank's stock to sell from hold and lowered its price target to $9, saying it now expects losses in construction and commercial loans to bring Zion's cumulative losses to $3.1 billion from $2.5 billion. Zion may also have to raise about $900 million in additional capital through 2010 to 2012, which would dilute its per-share earnings by about 50%, the firm said.
Shares of Incyte Corp. (INCY, $4.60, +$0.61, +15.29%) gained Tuesday after the drug company said it reached an agreement with the U.S. Food and Drug Administration on the design of a late-stage trial on its lead candidate, a myelofibrosis treatment.
Shares of solar companies jumped Tuesday after China announced a new subsidy for solar power plants. China's Ministry of Finance said it plans to offer a 50% subsidy for solar power plants and a 70% subsidy for plants in rural regions. Suntech Power Holdings Co. (STP, $17.66, +$1.47, +9.08%), Yingli Green Energy Holding Co. (YGE, $12.68, +$1.28, +11.23%), LDK Solar Co. (LDK, $10.64, +$1.19, +12.59%) and Trina Solar Ltd. (TSL, $28.28, +$1.88, +7.12%) were among those shining brighter.
Other Stocks In Focus:
Media and marketing firm Arbitron Inc. (ARB, $15.03, -$2.24, -12.97%) slightly beat expectations for its second-quarter revenue and earnings per share, but said the advertising market remains distressed and slashed its full-year guidance for revenue. It now expects revenue to grow just 2% to 6% instead of the 6% to 10% growth it had been looking for earlier.
Autoliv Inc. (ALV, $31.97, +$1.01, +3.26%), the world's largest maker of seat belts and airbags, Tuesday reported a better-than-expected quarterly loss on forecast-beating sales and cost cuts.
Black Box Corp. (BBOX, $28.45, -$2.95, -9.39%) fell for the second day on concerns that the maker of voice-data products is facing the loss of a large portion of its revenue because Nortel Networks Corp. (NRTLQ, $0.05, -$0.01, -9.09%) has planned to sell some of its assets to privately held Avaya Inc.
"When issued" shares tied to Citigroup Inc.'s (C, $2.69, -$0.10, -3.58%) offer to exchange preferred for common stock started trading at the New York Stock Exchange Tuesday. Plans for a reverse stock split, meanwhile, have moved to the back burner, a Citi executive said.
Coca-Cola Co.'s (KO, $49.85, -$1.18, -2.31%) second-quarter earnings rose 43% as international markets such as India and China helped offset the fallout of weaker consumer spending in North America. Revenue fell below Wall Street's expectations, hurt by the stronger dollar and continued fluctuations in foreign currencies. For the third quarter, the company expects currencies to lower operating income by 12% to 14%, a bigger hit than some analysts had expected.
Comerica Inc.'s (CMA, $20.21, -$2.61, -11.44%) second-quarter profit dropped 68% on weak loan demand, but results at the regional bank widely surpassed muted expectations.
Continental Airlines Inc. (CAL, $9.24, -$0.93, -9.17%) reported Tuesday its second-quarter loss widened on charges and a continuing drop-off in business travel as the company said it would cut 1,700 jobs in a move to reduce costs. Other airlines also fell with Delta Air Lines Inc. (DAL, $5.89, -$0.38, -6.06%) and US Airways Group Inc. (LCC, $2.07, -$0.06, -2.82%) dropping ahead of what are expected to be losses when they report later this week.
Exelon Corp. (EXC, $53.07, +$1.02, +1.96%) on Tuesday ended its effort to acquire NRG Energy Inc. (NRG, $24.66, +$1.11, +4.71%) shortly after NRG shareholders overwhelmingly re-elected four directors. The vote was a blow to Exelon, which was backing a slate of nominees that backed its $7.8 billion hostile bid for NRG. Of 87% of the votes reported, 75% voted for the four sitting board members.
Kinetic Concepts Inc. (KCI, $27.27, +$1.19, +4.56%) reported second-quarter results that topped analysts' estimates. The medical technology company said it's confident about the second half of the year.
Lockheed Martin Corp.'s (LMT, $75.69, -$6.42, -7.82%) second-quarter profit fell 17% on pension-related charges and challenges in its information-systems business. Still, the defense contractor's results beat views.
McClatchy Co.'s (MNI, $0.73, +$0.19, +35.19%) second-quarter earnings more than doubled on a debt-extinguishment gain as advertising revenue declined 30% amid a prolonged slump and a continued shift from newspapers to the Internet. Still, shares of the newspaper publisher soared in recent trading.
Merck & Co.'s (MRK, $29.43, +$1.49, +5.34%) second-quarter profit fell 12% on merger costs and lower vaccine sales, while cost cuts helped merger partner Schering-Plough Corp. (SGP, $26.43, +$0.86, +3.36%) report higher quarterly earnings.
Monsanto Co. (MON, $79.74, +$3.18, +4.15%) and Dow Chemical Co. (DOW, $18.02, +$0.21, +1.18%) received U.S. and Canadian approvals for their SmartStax corn seed technology, clearing the way for the product to hit the market in 2010. Such technologies raise hackles among some, who fear what effects they may have on the environment and food safety. However, those concerns are less prevalent in North America than in Europe, and developers have said the technologies provide a way to feed more people with less damage from chemicals and land clearing.
Packaging Corp. of America's (PKG, $19.57, +$1.50, +8.30%) second-quarter profit more than tripled on $80 million in tax credits and higher margins. Shares jumped as the results topped the expectations of both the paper-products company and Wall Street and the company predicted third-quarter earnings twice as high as analysts' estimate. Other paper-products companies also traded higher, including Temple-Inland Inc. (TIN, $14.78, +$0.70, +4.97%) and International Paper Co. (IP, $17.50, +$1.01, +6.12%).
PacWest Bancorp. (PACW, $12.54, -$0.65, -4.93%) swung to a $5.7 million loss in its second quarter because of rising credit-loss provisions and poor credit quality. And other regional banks were also down with the weak earning coming out from the group. SunTrust Banks Inc. (STI, $14.68, -$1.36, -8.48%) and KeyCorp (KEY, $4.64, -$0.44, -8.66%) were among the weaker stocks as were Huntington Bancshares Inc. (HBAN, $3.67, -$0.21, -5.48%) and Fifth Third Bancorp (FITB, $6.76, -$0.39, -5.45%).
Peabody Energy Corp.'s (BTU, $32.48, -$2.35, -6.75%) second-quarter earnings fell a bigger-than-expected 66% as demand remained weak, with President Rick Navarre saying U.S. markets will take longer to rebound owing to higher inventories.
Pentair Inc. (PNR, $26.39, -$1.60, -5.72%), a maker of water technology products, reported its second-quarter profit and sales both fell sharply. The company said it was seeing "tremendous progress" in its cost cutting actions and put its third-quarter profit range close to expectations, though sales will fall more than the 20% analysts had pegged.
Sherwin-Williams Co.'s (SHW, $54.38, -$3.11, -5.41%) second-quarter profit fell 8% on a bigger-than-expected drop in sales as customers continue to refrain from buying paint. The company, which narrowed its earnings target, cut its 2009 sales forecast again.
Southwest Airlines Co.'s (LUV, $6.77, -$0.53, -7.26%) second-quarter profit plunged 83% on declines in the value of its fuel-hedging program but it managed to fly with more full planes. The discount airliner also gave a bearish outlook for the coming months, despite spotting signs of better travel demand in July. Fellow discounters JetBlue Airways Corp. (JBLU, $4.53, -$0.22, -4.63%) and AirTran Holdings Inc. (AAI, $5.85, -$0.52, -8.16%) are expected to be profitable as well, but both were also trading lower.
State Street Corp. (STT, $46.19, -$2.62, -5.37%) swung to a second-quarter loss on charges related to consolidation of asset-backed securities as results missed expectations.
Sybase Inc.'s (SY, $33.81, +$1.42, +4.38%) second-quarter profit increased 26% as the software company improved its margins. The better-than-expected first half of the year led the company to boost its full-year projections.
Wedbush Morgan upped its investment rating on Syniverse Holdings Inc. (SVR, $17.89, +$0.67, +3.89%) to outperform from neutral. The firm said voice roaming is still under pressure, but the improving environment and data roaming growth remain solid, which stands to help Syniverse. The firm added the provider of technology to the telecom industry will benefit from improvements in end markets, pricing and deal flow.
TD Ameritrade Holding Corp.'s (AMTD, $18.68, +$0.96, +5.42%) fiscal third-quarter profit declined 17% amid costs from the recent acquisition of options company thinkorswim. Still, results topped expectations as client trading surged.
JPMorgan said there are few signs of sustainable recovery in the oil tanker industry this year and the magnitude of second-quarter losses and likely third-quarter losses may surprise investors. The recent collapse in spot rates again will add further downward pressure to stocks of companies with heavy spot-market exposure, said the firm, which forecasts rates and tanker earnings will bottom in the second quarter, but conditions will stay depressed in the second half of this year with many companies running below breakeven rates. JP Morgan upgraded Teekay Tankers Ltd. (TNK, $9.55, +$0.36, +3.92%) to overweight and Knightsbridge Tankers Ltd. (VLCCF, $15.32, +$0.21, +1.39%) and Tsakos Energy Navigation Ltd. (TNP, $16.14, +$0.20, +1.25%) to neutral. The firm, however, downgraded DHT Maritime Inc. (DHT, $4.88, -$0.29, -5.61%) to neutral and Teekay Corp. (TK, $17.99, -$1.02, -5.37%) to underweight.
Texas Instruments Inc.'s (TXN, $22.62, -$0.99, -4.19%) second-quarter profit dropped 56% on lower sales and margins, but revenue grew from the first quarter on strong analog chip sales and a seasonal increase in calculator sales. The communications-chip giant also predicted third-quarter earnings above Wall Street's expectations.
United Airlines parent UAL Corp. (UAUA, $3.65, +$0.14, +3.90%) swung to a second-quarter profit on hedging gains, overshadowing a continuing fall in demand and revenue. The airline also announced it will cut international capacity by another 7% for the last four months of the year. Shares were up as UAL's loss excluding the gains was narrower than analysts' expectations.
UnitedHealth Group Inc. (UNH, $25.40, +$0.56, +2.25%) agreed to buy Health Net Inc.'s (HNT, $13.62, +$0.41, +3.10%) Northeast licensed subsidiaries for as much as $570 million in several payments over two years. The deal is expected to help both companies' earnings modestly. Meanwhile, UnitedHealth reported second-quarter earnings more than doubled amid prior-year charges and an increase in revenue, though enrollment continued to decline as U.S. unemployment mounts. The health insurer, whose earnings topped analysts' expectations, raised the lower end of its 2009 forecast by 10 cents.
U.S. Physical Therapy Inc. (USPH, $15.22, +$0.90, +6.27%) released preliminary second-quarter earnings that were better than the Street was expecting. The company also boosted its earnings guidance for 2009.
Werner Enterprises Inc.'s (WERN, $17.40, -$1.90, -9.84%) second-quarter profit dropped 30% on lower revenue and shipping volumes. Shares fell as the trucking company's revenue figure was sharply below Wall Street's expectations.
-By Dow Jones Newswires, write to email@example.com


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All the markets have been seized and shut down by law enforcement hence why some vendors are having supply issues. We are a little worried ATM as this is the biggest operation we have ever seen. Private dark net sites have withdrawn their services out of fear and safety which is really worrying to say the least. This has happened before in the past but not to this scale... Darknet site admins are getting locked up and even blogging sites that share market links are getting shutdown and the people running it arrested. →


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A strange precedent
Dear Editor:
There are few words to describe the brilliance of a severance agreement in which the concept of contract could be so distorted.
When most people think "severance" they think of compensation earned and paid to someone for termination due to job elimination or some other painful circumstance beyond the control of the person holding the position. To "negotiate" a payment for both quitting or being fired makes it plain why this county manager quit. Why would anyone not quit when there was only an incentive to quit?
Is this worthy of the quid pro quo of a contract? Why wouldn't there be a penalty paid by the county manager for quitting one's contract early since it apparently will cost the county money to hire someone else? If the county was afraid this person would quit early and cost the county … need we say more.
When Barry Sanders quit the Detroit Lions and his career he gave them back $5.5 million and was still the best running back in the NFL for what became the biggest losing team in NFL history.
Hopefully, the county will rethink this strange golden handcuffs precedent.
H.M. Loud
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


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If you want your iPhone's battery to hold its charge over time, you'll enable this feature.
If you have several-years-old iPhone, or know someone who does, you're probably aware of the fact that the battery life is a lot shorter than when it was new.
The rechargeable batteries in today's electronics degrade over time and become less capable of holding a charge or delivering the same peak power.
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