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Dubai - MENA Herald: As the online shopping revolution continues to gain momentum in the United Arab Emirates (UAE), online shoppers are being put on high alert on matters cyber security in a bid to stem down cases of cybercrime in the region.
With available statistics painting a grim picture of the cybersecurity status across the globe, global ecommerce solutions platform, Mallfortheworld.com, joins the rest of the world in fighting cybercrime by consistently educating its users on the need to always stay alert when shopping online.
Online shopping in the region continues to be a big phenomena with Business to Consumer trade volume in the Middle East and Africa estimated to reach over US$26 billion by the year 2020.
Reports also indicates that over 60 percent of UAE shoppers have shopped from other countries online and with the rising numbers, the online shopping sector still remains a key target for hackers and scammers.
Mallfortheworld.com founder and chief executive officer, Chris Folayan, said cyber security is a top priority for the online retailer, which provides access to over 100 USA and UK retailer store sales information into the region.
"As we continue to provide online shoppers globally with a reliable platform through which they can purchase items directly from international online retailers, security remains our top priority and we are aggressively putting hacker-proof measures in order to safeguard our customers" said Chris.
He went on to add, "MallfortheWorld.com is passionate about advancing and developing a secure global digital infrastructure but even as we continue to play our part in ensuring that our customers' online shopping experience remains efficient, fun, and secure, we are also appealing to all online shoppers to always remain vigilant whenever they are shopping online so as to avert being hacked," noted Chris.
Online shoppers are being urged to be constantly on the lookout when making purchases online by ensuring that they shop from reliable sites, use secure connections always, use strong passwords, as well as not to share personal information.
Shoppers have also been asked to periodically check their bank account details as banks have also fallen prey and become victims of cyber attacks. Keeping record of all online transactions is also another way of ensuring that online shoppers don't get scammed.
Chris, has also urged online shoppers to pay special attention especially while on the checkout page and make sure that the green Security Padlock icon is visible in the address bar.
"The website's URL should begin with an 'https' instead of the usual 'http' which states that the checkout page is security enabled. Shopper should be aware that if the green padlock is not visible, or the webpage does not state as secure while filling out credit card information, it would be prudent to avoid purchasing from that particular site," noted Chris.
Shoppers have also been asked to check and confirm the legitimacy of a site before making online purchases by making sure the URL and name match. "Typos are a clear indication that the site is not legit. A well-established company will ensure their brand avoids even the simplest of typographical errors," warned Chris.


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From gearing to access to a wider range of sectors, investment trusts are in many ways superior to the open-ended structure, argues Tony Yarrow.
A closed-ended fund, or investment trust, is a limited company listed on the stockmarket. It has a corporate structure, with an independent board who appoint the fund manager. Its shares are traded on the stockmarket. Someone who wishes to invest, buys shares from an investor who wishes to sell, while someone who wishes to sell can do so only if there is a willing buyer.
This potential illiquidity, together with the investment trust's more complex structure, may be the reason why the retail funds industry overwhelmingly prefers unit trusts. However, we believe that investment trusts are, in many ways, superior to the open-ended structure, and offer some of our reasons here.
Permanent capital
The managers of an open-ended fund are at the mercy of investor demand. They have to invest money as it comes in, perhaps at the top of a market when there is nothing worth investing in. They may have to sell assets at the bottom of a market to raise cash to meet redemptions, at a time when they would rather use the cash to buy cheap shares. Investment trust managers don't have this problem, as investment flows don't pass through the fund.
This is a huge advantage in illiquid sectors such as property. Commercial buildings can take months to sell, so managers of open-ended funds need to hold substantial amounts of cash at all times to meet potential redemptions, which acts as a drag on performance.
Even so, the funds need to close to redemptions at times when redemption levels are running high, as in July 2016 following the EU referendum.
Control of fund size
Investment trusts grow either through good performance or by issuing shares, which managers will do only when their trusts are trading above the values of their assets and when they see opportunities in their markets.
Some of the most popular open-ended funds have grown so large as to limit their scope for active management, something that never happens in the investment trust universe, where very few funds grow to more than £1 billion in size.
The REIT structure
The Real Estate Investment Trust vehicle, available to investment trusts in the property sector, allows them to pay income without first deducting tax, an advantage not available to the managers of property unit trusts.
Most investment trusts have the authority to borrow money at the managers' discretion, subject to prescribed limits.
Some of the managers who we use have consistently used gearing to great effect, borrowing money to buy assets at low prices, and paying down debt at times when asset prices are high.
The judicious use of gearing, unavailable to open-ended fund managers, can significantly improve returns. Most investors in the property space would agree that a modest level of gearing is appropriate and enhances returns.
Gearing is not accessible to investors in the open-ended universe.
Access to esoteric areas
Sectors that aren't available to open-ended funds, include private equity, infrastructure and renewable energy. The private equity sector has grown rapidly in the past decade at the expense of the quoted sector.
Managers and investors alike prefer a more lightly regulated environment, a relatively lower media profile, and the freedom, where appropriate, to use a higher level of gearing than is currently thought prudent by investors in the quoted markets.
Access to the elite universe
Investment trusts offer access to excellent managers who don't run open-ended funds. Some examples include Stuart Widdowson at Odyssean trust and Chris Mills of North Atlantic Smaller Companies trust.
The AVI Japan trust is another example. There are plenty of open-ended funds investing in Japan, but none that specifically invest in the corporate restructuring theme, as this closed-ended fund does.
Income preservation
Equity income trusts such as City of London and Temple Bar have built up income reserves over many years. At times of crisis, as during the financial crisis of 2007-09, the trusts will dip into their reserves to maintain dividends at previous levels.
Enhanced corporate structure
The corporate structure of investment trusts allows investors to vote on company proposals and resolutions.
Recent examples included voting against a resolution to demote an investment manager from a trust board. We believed that this resolution was inappropriate when the fund is managed overseas, but has a London-based board, and also because the manager is our main point of contact.
Another example occurred last year, when we voted against a decision to return cash to us in specie, in the form of some very illiquid US-listed stock.
Discounts and premiums
The prices of open-ended funds are made by the fund's administrators and must reflect the market prices of their assets. Investment trust shares are traded in the open market and reflect supply and demand.
Sometimes, it is possible to buy investment trust shares significantly below their open market prices - when the trust is "at a discount". Sometimes, at times of high demand, investment trust shares can trade above the market value of their assets - at a premium.
As fund managers, we aim to enhance our investors' returns by buying investment trusts when they are trading at discounts and selling them at full value (known as "par") or at premiums. This type of arbitrage is not available to investors in open-ended funds.
The best of both worlds
For investors who would like to benefit from the more nimble, flexible investment trust structure, there are multi-asset strategies that access both open-ended and closed ended vehicles – offering the best of both worlds.
Tony Yarrow manages the TB Wise Multi-Asset Growth fund.
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subset: commoncrawl


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Price: $24.95
Quantity: 1 available
Book Condition: GOOD+
"Tight, bright, faintest age soil to exterior, coffee stain on bottom corner of page edges, square. Owner's name inside front cover, crease on bottom corner of front cover, 2 pages with folded corner, rubbed cover edges. The story of Hamlet told with a Brazilian teenager as Hamlet. ""Dividida entre a vinganca e a paixao, Telmah quase chega a loucura..."" = ""Torn between vengeance and passion, Telmah almost reaches madness ..."" 86 pages. Text in Portuguese."
Title: Agora Estou Sozinha
Categories: young adult, Portuguese,
Edition: "(revisao:1994, 24a Edicao)"
Publisher: "Sao Paulo, Brazil", 1987
ISBN Number: 8516009947
ISBN Number 13: 9788516009946
Binding: Paperback
Book Condition: GOOD+
lb: 2.10 lb
Seller ID: 6-8T015
Keywords: young adult FICTION / Romance / General "NOT KEPT AT STORE- if you would like to pick this up, please order the day before you want to pick it up. Use the ""pick up in store"" option for shipping at checkout.",


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Christmas Eve - mp3
Audio[widgetic-compact-mp3-player id=59add89aecb2a123138b457f autoscale=on width=350 height=50 resize=allow-scale-down]
Christmas Eve
This is an mp3 with vocals of Christmas Eve. This song reflects on the gifts brought on the first Christmas Eve and what our gifts could be today. It is also available as an accompaniment track, an arrangement for SSA choir and violin, and a piano, vocal, guitar version in English or Spanish.
- mp3 with vocals (mp3 download)
Music and Lyrics by: Cathy Neff (ASCAP)
By the light of the star on the top of the tree,
I can see the manger so dear to me.
And the mother mild
With her Little Child
On that first Christmas Eve.
By the light of the star wisemen come from afar,
And I often wonder just who they are
With their gifts they bring
To the Infant King
Born that first Christmas Eve.
And the angels sing "Alleluia!"
As the shepherds draw near Him to see.
Oh! What homage they bring
As they worship their King
On that blessed Christmas Eve.
Now the world hurries on
And won't stop for long;
Won't stop at the manger to see the Son.
No gifts do they bring
To honor the King,
No words of thanks they pray!
What a world this would be
If the whole world could see
That the Babe was born to save you and me!
Oh! The gifts we'd bring
To the Infant King
This very Christmas Eve.
And the angels sing "Alleluia!"
As we all gather 'round Him to see.
Oh, but what could I bring
To my Savior, the King,
On this very Christmas Eve?
I will give Him my heart,
And that's only a start
On this very Christmas Eve.
Copyright 2011 Cathy Neff. All rights reserved.
Recording Credits
Producer: Cathy Neff
Engineer: Aaron Hubbard
Recorded at Counterpoint Studios and Rotosonic Sound
Music and lyrics by Cathy Neff
Lead vocals: Jacque Coleman
Background vocals: International Children's Choir, Dr. Kathy Sorensen
Piano: Cathy Neff
Drums: Todd Sorensen
Bass: Rob Honey
Violin: Aaron Ashton
Guitar: Aaron Hubbard
Percussion: James Clark
©2011 Cathy Neff. All rights reserved.


text:
sql How to use Order by with Merge Statement? - Stack
We're sure you'll agree that 2018 was an incredibly challenging year. You've made your resolutions and so have we. We are resolved to push harder, work smarter, and be more collaborative in creating positive change on the issues that matter to you.... The London Stock Exchange does not disclose whether a trade is a buy or a sell so this data is estimated based on the trade price received and the LSE-quoted mid-price at the point the trade is
Ingenious Packaging Solutions mpac-group.com
UCI Master of Accountancy(MPAc) Program Essays. Please describe your short-term and long-term career goals and how your current professional or academic experiences relate to these goals.... 4/10/2018 · MPAC has filed with the Securities and Exchange Commission (the "SEC") a preliminary proxy statement and intends to file definitive proxy statements in connection with the proposed business
MPAC Balance Sheet Statement LONMPAC
MPAC does not release personal information (i.e., recorded information about an identifiable individual), or any other data that would divulge an individual's identity, except where required or permitted by law, or by court order. While MPAC may release aggregate information in the form of demographic studies constructed from the analysis of personal information, these studies do not... We're sure you'll agree that 2018 was an incredibly challenging year. You've made your resolutions and so have we. We are resolved to push harder, work smarter, and be more collaborative in creating positive change on the issues that matter to you.
mpac About Us
Many companies issue pro-forma financial statements in addition to generally accepted accounting principles (GAAP) -adjusted statements as a way to provide investors with a better understanding of... Shares in Mpac (MPAC:125p), a small-cap niche packaging engineering business and a constituent of my 2018 Bargain Shares portfolio, slumped below my 156p entry level after the company warned on profits in the summer ('Investors overreact to Mpac cost overrun', 18 July 2018).
How To Order An Mpac Statement
MPAC Stock Quote US Well Services Inc - Bloomberg Markets
- MPAC Stock Quote US Well Services Inc - Bloomberg Markets
- Ingenious Packaging Solutions mpac-group.com
- sql How to use Order by with Merge Statement? - Stack
- Access mpac.ca. Welcome to MPAC MPAC
How To Order An Mpac Statement
Mission Founded in February 2013, MPAC strives to strategically end the problem of unwanted dogs and cats in Miami by preventing pets from winding up abandoned in the first place.
- Many companies issue pro-forma financial statements in addition to generally accepted accounting principles (GAAP) -adjusted statements as a way to provide investors with a better understanding of
- Music and Performing Arts Centre (MPAC) Operations Manager . Duty Statement . Reports to: Business Manager . Position Purpose: Responsible for the operation of all technical facilities (including lighting, audio, projection, and staging), scheduling and arranging the use and maintenance of the Centre . Maximise public access to the Centre, while at the same time preserving School access
- The Magis Performing Arts Centre (MPAC) opened in 2017 and is located on the grounds of Loyola College, Watsonia. The Centre features Theatre, Drama, Dance and Music specialist classrooms along with a recording studio, dressing rooms and a large foyer space. When not required for academic purposes, the venue is available for public hire at the discretion of the College. Inigo Theatre The Inigo
- MPAC simply refers to the Municipal Public Accounts Committee. It is the . Committee esta blished to hold the Mayoral Executive Council accountable f or . the use of public resources. The idea is
You can find us here:
- Australian Capital Territory: Pyrmont ACT, Jeir ACT, Greenway ACT, Wallaroo ACT, Fyshwick ACT, ACT Australia 2647
- New South Wales: Ropes Crossing NSW, Len Waters Estate NSW, Davistown NSW, Banyabba NSW, Springdale NSW, NSW Australia 2051
- Northern Territory: Wanguri NT, Pinelands NT, Alyangula NT, Yirrkala NT, Alawa NT, Rosebery NT, NT Australia 0892
- Queensland: Millaa Millaa QLD, Bonshaw QLD, Morgan Park QLD, Windermere QLD, QLD Australia 4021
- South Australia: Pekina SA, Mount Gambier SA, Kensington Park SA, Port Elliot SA, Mundowdna SA, Chain Of Ponds SA, SA Australia 5031
- Tasmania: Orielton TAS, Mole Creek TAS, The Gardens TAS, TAS Australia 7038
- Victoria: Outtrim VIC, Mortlake VIC, Baddaginnie VIC, Cororooke VIC, North Shore VIC, VIC Australia 3001
- Western Australia: Embleton WA, Burlong WA, Mahomets Flats WA, WA Australia 6058
- British Columbia: Vancouver BC, Osoyoos BC, Ashcroft BC, Warfield BC, Queen Charlotte BC, BC Canada, V8W 7W2
- Yukon: Flat Creek YT, Sulphur YT, Paris YT, Takhini YT, Lorne YT, YT Canada, Y1A 1C8
- Alberta: Beaverlodge AB, Caroline AB, Mundare AB, Whitecourt AB, Hill Spring AB, St. Albert AB, AB Canada, T5K 8J4
- Northwest Territories: Kakisa NT, Fort Providence NT, Fort Good Hope NT, Colville Lake NT, NT Canada, X1A 4L1
- Saskatchewan: Ponteix SK, Goodsoil SK, Dorintosh SK, Carlyle SK, Yarbo SK, Indian Head SK, SK Canada, S4P 6C2
- Manitoba: Gretna MB, Dunnottar MB, Thompson MB, MB Canada, R3B 3P5
- Quebec: Montmagny QC, L'Ile-Cadieux QC, Saint-Augustin-de-Desmaures QC, Sainte-Petronille QC, East Angus QC, QC Canada, H2Y 6W3
- New Brunswick: Pointe-Verte NB, Millville NB, Nackawic NB, NB Canada, E3B 3H9
- Nova Scotia: Amherst NS, Westville NS, Cumberland NS, NS Canada, B3J 8S6
- Prince Edward Island: Murray Harbour PE, Alexandra PE, Souris West PE, PE Canada, C1A 5N3
- Newfoundland and Labrador: Musgrave Harbour NL, Massey Drive NL, Glenwood NL, Cormack NL, NL Canada, A1B 8J3
- Ontario: Park Head ON, Blue Springs, Halton Region ON, Concord ON, Opeongo, Greater Napanee ON, Bells Crossing ON, Ashgrove ON, ON Canada, M7A 6L3
- Nunavut: Repulse Bay NU, Mansel Island NU, NU Canada, X0A 7H2
- England: Gosport ENG, Warrington ENG, Willenhall ENG, Filton ENG, Wellingborough ENG, ENG United Kingdom W1U 7A9
- Northern Ireland: Craigavon�(incl. Lurgan, Portadown) NIR, Derry�(Londonderry) NIR, Belfast NIR, Belfast NIR, Belfast NIR, NIR United Kingdom BT2 1H3
- Scotland: Dunfermline SCO, East Kilbride SCO, Dunfermline SCO, Paisley SCO, Dunfermline SCO, SCO United Kingdom EH10 7B6
- Wales: Newport WAL, Neath WAL, Wrexham WAL, Neath WAL, Newport WAL, WAL United Kingdom CF24 6D6


text:
Can you believe that the release of Sentinels of the Multiverse: The Video Game is next week? That came up quick!
We wanted to let you know a few more details about the release of the game, so this post will tell you when it's coming out, how to get it, and where to get your Super Scientific Tachyon card.Read More


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text:
Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link. NEW YORK ( TheStreet) -- Rovi (Nasdaq: ROVI) has been downgraded by TheStreet Ratings from hold to sell. Among the areas we feel are negative, one of the most important has been weak operating cash flow.
- EXCLUSIVE OFFER: Jim Cramer's Protégé, Dave Peltier, only buys Stocks Under $10 that he thinks could potentially double. See what he's trading today with a 14-day FREE pass.
- Net operating cash flow has decreased to $28.83 million or 39.61% when compared to the same quarter last year. In addition, when comparing the cash generation rate to the industry average, the firm's growth is significantly lower.
- The return on equity has improved slightly when compared to the same quarter one year prior. This can be construed as a modest strength in the organization. Compared to other companies in the Software industry and the overall market, ROVI CORP's return on equity significantly trails that of both the industry average and the S&P 500.
- ROVI, with its decline in revenue, underperformed when compared the industry average of 7.7%. Since the same quarter one year prior, revenues fell by 12.7%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
- ROVI's debt-to-equity ratio of 0.96 is somewhat low overall, but it is high when compared to the industry average, implying that the management of the debt levels should be evaluated further. Even though the debt-to-equity ratio shows mixed results, the company's quick ratio of 5.86 is very high and demonstrates very strong liquidity.
- The net income growth from the same quarter one year ago has exceeded that of the Software industry average, but is less than that of the S&P 500. The net income increased by 13.9% when compared to the same quarter one year prior, going from -$13.33 million to -$11.47 million.


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Healthy Meal Plans in Sherman Oaks
Body Unlimited Fitness offers healthy meal plans for clients in our Sherman Oaks training center. Popular meal plans featured in magazines and news clips might work for a few people, but not everyone will benefit. Our custom meal plans are designed for the rest of the people who are left behind. Not everyone will respond to the same meal plan and supplements, so we educate each client about the meal plan that will meet your goals. For example, many people confuse healthy eating with the diet that helps you attain the desired physique. Eating fruits is healthy, for example; however, these are foods that tend to be high in natural sugars. Consuming too many fruits might impede your fitness goals. Our nutritional planning sessions are intense and focused on crafting a diet for your individual needs, genetic disposition, cravings, preferred physical activities and fitness aspirations.
Understanding each client allows us to develop the plan that will enable you to meet your fitness goals. This usually includes a detailed diet plan that lasts up to a week. It includes a grocery list, calorie plan, portion size and specific types of foods. However, we also make the plans flexible enough to fit into your busy life. Our health experts carefully evaluate each person before recommending supplements because each person has different needs. This is a health-based approach that is highly individual. We account for food sensitivities, allergies, lifestyle choices and preferred restaurants. We evaluate and modify the healthy meal plans every three months.
Personalized Dietary Plans
Our personalized dietary plans from Body Unlimited Fitness are supported by nutritional counseling. Counselors help you to understand how the foods you ingest can support your fitness objectives in tangible ways. You will learn how to use food as a tool to help you feel satisfied and energized. The dietary plans are completely personal, so if you enjoy eating broccoli every day, it is certainly an option. However, people who have different tastes will require a solution that accounts for their preferences. Every aspect of our training program is designed to help you overcome internal obstacles and develop your health on many levels. Contact us now for a free class to get started on your journey.


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Srinagar: A Jammu and Kashmir Board of Professional Entrance Examination (JKBOPEE) accountant was killed while another person was injured in a road accident on Srinagar-Jammu national highway on Wednesday.
An official spokesperson said that a vehicle met with an accident, while travelling from Jammu to Srinagar, at Qazigund in south Kashmir. Two people were injured in the incident, he said.(UNI)


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June 14, 2019 Midnight EST. Begin your application.
Yes, limited scholarships are available.
There will be rolling admissions. You will be notified as soon as possible. Begin your application.
There is NO deposit. Full fees are due one week after notification of acceptance to secure the spot in the program. Begin your application.
55 Branch Farm Road
Saranac Lake, NY 12983
(It is on Lake Flower, in the Village of Saranac Lake, next to Branch Farm Bed & Breakfast, located at 25 Branch Farm Road, Saranac Lake, NY 12983)
View our Getting Here page.
There will not be housing available for Summer 2019, however, we are hoping that we will be able to secure some housing in the near future.
Your family is welcome to enjoy the lake and the property with you and join us for dinners (prearranged at an additional cost) and of course, attend the concert, however, rehearsals will be for participants only.
Adirondack Regional Airport is the closest, with 3 daily flights from Boston.
Albany International Airport and Burlington International Airport are in the general area and renting a car would be suggested to get you to Saranac Lake from there.
Learn more on our Getting Here page.
We suggest renting a car.
Once we select participants, we will ask everyone if they are willing to share their contact information with other participants in order to help those desiring to share rides or accommodations.
No. You need to bring your own horn.
You will get some of the music. Sight-reading will happen.
No, you may opt out.
Once accepted, we will ask about your dietary restrictions and the chef will accommodate.
No. We will have vegetarian options.
There are no stairs required.
Yes, there are two dogs and one bird.
Learn more on our Schedule page.
You will get a suggested list after you are accepted.
One lesson per session is included.
You can contact the visiting artist to determine this and then schedule it around our program. We will have more information once you are accepted.
You may not.
No. You are welcome to bring your own.
Yes, you may fish. You will need a license and that can be obtained at the Blue Line Sport Shop in town.
There is swimming in the lake. However, it has a very muddy bottom and you cannot wade in from the shore. The closest beach is Riehl Beach, on Lake Colby, which is a mile outside of town. There is also another spot out on Route 3 towards Tupper Lake. It is very popular with the locals. That would be a good afternoon excursion.
Once you've been accepted, you may pay via the Payments Page, or mail a check made out to "Saranac Horn Retreat" to:
Ilze Brink-Button
Saranac Horn Retreat
4244 Francis Road
Cazenovia, NY 13035


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The red grape variety (also Geilweilerhof 84-58-1233) is a new breed between Domina x regent, The crossing took place in 1984 by the breeders Rudolf Eibach and Reinhard Töpfer at the vine breeding institute Geilweilerhof (Siebeldingen / Pfalz). The variety protection was granted in 2009. The early ripening vine is resistant to the real mildew and Botrytis, It produces colorful, tannin-rich red wines with berry flavor. No stocks were reported in 2010 (Kym Anderson ).
Pictures: Ursula Bruehl, Doris Schneider, Julius Kühn Institute (JKI)


text:
For the traditional concept, wrist watch design involves only the appearance of the watch and packing, the inner is supreme.
The Audemars Piguet this year also joined the dual time zone, and its classic series hailed to the founder of the brand, in addition to the basic automatic chain and complicated phases of the moon, it also does not lose time to introduce the GMT watches. Round watchcase with streamlined watch bezel, the date on the dial, dynamic storage and second time zones show at a glance, at the same time there is no lack of the Noble sense Jules Audemars series which is light and free from vulgarity. In the left of the second time zone, there is a day and night time indicator which is very practical. In the era of globalization for more and more people from all over the world for business or travel, this Audemars Piguet GMT watch is undoubtedly revealing the spirit of advancing with the times.
Audemars Piguet royal oak offshore watches since the beginning of the watches continuously innovated in classic, which makes it necessary to be loved by watches fans. Royal oak offshore timing watch features watchcase of 44 mm in diameter, and this new Chronograph follows all the classic characteristics of the royal oak offshore series: combined with bold ideas and best performance to develop acme legendary noble sport watches
Sports watches generally with timing, stopwatch and other functions are easy to be large in size, and in fact this kind of big watches also has a better performance, sports watches are to have enough energy, nothing but is a good way. For the Audemars Piguet sport watch, it is big but not stupid. Such as the thickness is not too large, as it is easy to appear stupid for the whole watch.


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Sep 18, 2017 The emergence of cellular PVC trim swept the Northeast when it was In short it can be handled like wood, notes Jonathan Wierengo, vice
Traditionally, homes were built using wood trim throughout the inside and outside of the property. However, people are now wondering, what's the difference in
What are the differences between wood trim and vinyl trim? prefer the knots and natural appeal of wood compared to other materials, namely vinyl (PVC).
Traditional Trim PVC Board. Designed specifically for custom applications; Uses traditional tools and fasteners; works just like wood; Can be easily manipulated
Aug 26, 2010 They have chosen to wrap existing wood trim with "coil wrap," a rolled, flat . vs. replacing your existing wood trim with a cellular PVC product.
Most homeowners these days choose some kind of prefinished siding and trim to weatherproof and add beauty to their homes instead of painted wood.
Mar 26, 2015 Wood is still the market leader for exterior trim, but PVC is gaining to $1.75 per lineal foot for a cellular PVC 1x4, compared with less than a
Nov 8, 2016 And while you have a lot of options for your trim, including PVC, fiber of real wood, your choice may come down to fiber cement vs PVC trim.
BEAUTY IS IN THE DETAILS. Ply Gem Trim and Mouldings offer the beauty of wood without the maintenance. Cellular PVC does not contain or absorb water,
Installers prefer it because cellular PVC trim is lightweight and durable and it can VS wood. Paint can fade, streak, flake, peel – must be repainted periodically
Aug 14, 2015 Though gaining ground as an alternative to traditional wood, most industry And though PVC accepts paint very well, if the trim will be white it may not need to be PVC does come at a premium compared with pine, but cost


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Poems of the Past and the Present
work by Hardy
Poems of the Past and the Present
work by Hardy
Learn about this topic in these articles:
discussed in biography
- In Thomas Hardy: Poetry
Poems of the Past and the Present (1901) contained nearly twice as many poems as its predecessor, most of them newly written. Some of the poems are explicitly or implicitly grouped by subject or theme. There are, for example, 11 "War Poems" prompted by the…Read More


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The calculation behind the catch-up provision that determines the general partner's (GP) carried interest at a private equity fund can cause some confusion. In this post we will explain the math in the Excel template available on ASM.
For reference, the calculation refers to the second example cited in this DISTRIBUTION WATERFALL (follow link for Excel template). The language for the second example cited in the Excel file is as follows:
First, 100% of all cash inflows to the LP until the cumulative distributions equal the original capital invested plus some preferred return.
Second, a "20% catch up" to the GP equivalent to 20% of the of the distributions realized in step 1 plus the distributions realized in this step.
Third, thereafter, cash flows in excess of distributions made in step 1 and step 2 (if any) are distributed 80% to the LP and 20% to the GP.
First, 100% of all cash inflows to the LP until the cumulative distributions equal the original capital invested plus some preferred return.
Second, a "20% catch up" to the GP equivalent to 20% of the of the distributions realized in step 1 plus the distributions realized in this step.
Third, thereafter, cash flows in excess of distributions made in step 1 and step 2 (if any) are distributed 80% to the LP and 20% to the GP.
Based on the emails I receive, most of the confusion comes from the calculation used in the second step. So let's reframe the objective: In step 2 you want the GP to receive 20% of all distributions up to and including step 2. For this exercise, think about (All Distributions up to and including Step Two) as all cash flows received by both the GP and LP up to and including Step Two.
If the GP is supposed to get 20% of (All Distributions up to and including Step Two), it follows that the LP has received 80% of (All Distributions up to Step Two):
(All Distributions up to and including Step Two) * 0.8 = (LP First Distribution)
(All Distributions up to and including Step Two) = (LP First Distribution) /0.8
And since the GP only receives what is not allocated to the LP (what the GP receives = the catch up):
(Catch Up) = (LP First Distribution) /0.8 - (LP First Distribution)
If subtracting the "(LP First Distribution)" is confusing, think about it this way (different formula, same result):
(Catch Up) = ((LP First Distribution) /0.8)*0.2
(All Distributions up to and including Step Two) * 0.8 = (LP First Distribution)
(All Distributions up to and including Step Two) = (LP First Distribution) /0.8
And since the GP only receives what is not allocated to the LP (what the GP receives = the catch up):
(Catch Up) = (LP First Distribution) /0.8 - (LP First Distribution)
If subtracting the "(LP First Distribution)" is confusing, think about it this way (different formula, same result):
(Catch Up) = ((LP First Distribution) /0.8)*0.2
To help this sink in I thought I would provide an additional way to think through this exercise: The Catch Up is equal to 20% of all cash flows received in both steps 1 and 2. It follows that:
To help this sink in I thought I would provide an additional way to think through this exercise:
C = Catch Up
P = LP return in First Distribution
C = Catch Up
P = LP return in First Distribution
For the exercise I thought the first approach would make it easier to follow the formulas (I find the 0.25 in the second formula has the potential to be confusing), but generally multiple examples help.
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EBITDA is often criticized as an imperfect measure of earnings to use broadly in comparing the profitability of companies across industries. But the concept wasn't developed for this purpose. It was invented by billionaire investor John Malone.
If you are unfamiliar with John Malone, the two most important things to know about him for the purpose of this post are as follows. First, he is incredibly good at buying cable systems:
"Few people have made more money for investors over the past three decades than John Malone. The billionaire cable-TV investor and operator parlayed a small group of cable systems, originally assembled in the 1970s, into Tele-Communications Inc., before selling it to AT&T in 1999 for $48 billion." [1]
And second, he is excellent at avoiding taxes:
"No other executive in the U.S. has mastered the intricacies of the tax code to the same extent that Malone has," says New York tax expert Robert Willens. "We are consistently in awe of the structures he and his advisors come up with to rearrange his extensive holdings, always without tax consequences, in the most advantageous way." [2]
Early in his career, as he began to consolidate cable systems in the 70s, Malone realized that scale provided a tremendous advantage in cable television. The larger the company, the more leverage that company had to negotiate lower programming costs per subscriber. Since programming costs were the largest single operating expense, the largest cable operator would always have a significant advantage over the rest of the market.
Author William Thorndike elaborates on this approach and brilliantly reveals why Malone focused Wall Street's attention on EBITDA in his book The Outsiders:
"Related to this central idea was Malone's realization that maximizing earnings per share (EPS), the holy grail for most public companies at that time, was inconsistent with the pursuit of scale in the nascent cable television industry. To Malone, higher net income meant higher taxes, and he believed that the best strategy for a cable company was to use all available tools to minimize reported earnings and taxes, and fund internal growth and acquisitions with pretax cash flow."
"In lieu of EPS, Malone emphasized cash flow to lenders and investors, and in the process invented a new vocabulary, one that today's managers and investors take for granted. Terms and concepts such as EBITDA (earnings before interest, taxes, depreciation, and amortization) were first introduced into the business lexicon by Malone. EBITDA in particular was a radically new concept, going further up the income statement than anyone had gone before to arrive at a pure definition of the cash-generating ability of a business before interest payments, taxes, and depreciation or amortization charges." [3]
Throughout the text Thorndike emphasizes how unconventional this approach was, but it is by no means the first time new metrics or language have been introduced to support valuation. The oldest example is perhaps that of putting the word "trading" before "sardine" as Seth Klarman describes in Margin of Safety:
"There is an old story about the market craze in sardine trading when the sardines disappeared from their traditional waters in Monterey, California. The commodity traders bid them up and the price of a can of sardines soared. One day a buyer decided to treat himself to an expensive meal and actually opened a can and started eating. He immediately became ill and told the seller the sardines were no good. The seller said, "You don't understand. These are not eating sardines, they are trading sardines." [4]
And you don't have to go that far back in time for equally inappropriate examples. In 2000 "eyeballs" could be monetized (right up until they couldn't). EBITDA, in this context, may just be the most appropriate invented metric to withstand the test of time. Before his competitors adopted it's use, Malone developed an advantage over the rest of the market by getting investors and lenders to focus on this figure over net income. Today it is an industry standard, but hopefully this origin story will motivate readers to evaluate EBITDA with the suspicion it deserves when offered as a proxy for cash flow.
[1] Liberty Media: Better than Berkshire
[2] Liberty Media: Better than Berkshire
[3] Thorndike, Wiliam The Outsiders: Eight Unconventional CEOs and Their Radically Rational Blueprint for Success, p. 91
[4] Klarman, Seth Margin of Safety, p. 5
I have been working with a friend of mine who prefers to remain anonymous and happens to be a real estate professional to develop a simple real estate distribution waterfall (I will refer to him as Dimitri for the purpose of this post). Our working relationship consists of me interrupting his day with short emails containing Excel templates and bulleted questions, which he graciously responds to with quick answers pulling from years of experience. It's a highly iterative process that hopefully consumes little of his time.
Last week we developed a bare bones real estate distribution waterfall that, per his feedback, was as simple as it could be without risking oversimplification: a fine line this website attempts to navigate each time new content is posted.
I thought I would include the commentary he provided that did not make it into the template as I believe it provides insights that would otherwise be lost. The template referenced in the comments that follow can be downloaded HERE.
Funds Invested: The distribution waterfall generally does not take into consideration whether or not the sponsor (GP) invested capital. If the sponsor elects to invest capital it is generally invested on the same terms as the LP capital. For this reason the split between LP capital invested and sponsor capital invested is of little significance to the distribution waterfall.
We decided to keep this feature in the waterfall with the input for percentage of sponsor capital invested set to 0% because the template currently calculates how much the LPs and the sponsor will have to put up in the event of a cash shortfall.
IRR and MOIC Hurdles: This template focuses on multiple IRR hurdles that define how cash flows are split between the LP and GP. In addition to IRR hurdles, a more advanced distribution waterfall would allow for the measurement of a specific IRR or multiple of invested capital (MOIC) at each hurdle.
The purpose of including MOIC is to control for time horizon. IRR calculations are sensitive to time horizon and MOIC calculations are not. By including MOIC the LP is protected in two ways:
Concluding Remarks: After several iterations Dimitri finally came around; "I actually really like this. Nice and simple. But I would want more context surrounding the cash flows." He elaborated in the email that a novice should spend more time understanding the transaction before taking the time to focus on how the proceeds are split between investors and the sponsor behind the deal.
Fortunately ASM has a template for a multifamily property: LINK.
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Models are:
A) really boring
B) pretty sweet
C) super important
D) somewhat easy
E) kind of hard
F) fun
G) all of the above
*Answers a, b, c, d, e, f and g are all correct.
should be simple.*


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The first Christmas photo after a divorce can be an awkward experience. It was the first time my ex-husband wouldn't be in them. The kids wouldn't have their dad in the pictures. I was trying to figure out if I even wanted to send Christmas cards out that first year. We went from a full family to missing an important person. It was another new experience I would have as a single mom.
Looking back, I actually love those photos. We looked so happy in them. Maybe I just like the fact that I looked so young back then.
After years of a tumultuous relationship, it felt good to move on and enjoy peace. My income at that time, was teeny tiny. I was finishing up my bachelors degree and putting my life together as a single mom. My friend and I, along with all our kids, went to the park and took photos of each other. The photos crack me up now because they were obviously taken by amateurs just when digital cameras first came out. None the less, they are special to me.
Seventeen years later, there are still people missing from our Christmas photos. When I remarried, my kids were 8, 10 and 12. My husband and I have two children together so we have a family of seven. We have had an amazing fifteen years together. After five years of marriage, we had to move across the country. We went as a family, leaving Idaho to venture out to Virginia. Even though everyone agreed to move, it was during the teen years so unfortunately it was rocky. One child, the fourteen year old, begged and begged to go back to Boise. He moved back home to be with his Dad. So, that year, I had a child missing from our family photos. That wasn't the last time that it would happen.
Its one thing to have an ex-husband missing from a family photo (that was sort of a relief) but to have a child missing from a photo was much more emotional. I didn't want to take a family photo with someone missing from it. It didn't make sense to me. I still dislike it so much that I would rather wait until we are all together which could be once every two years, than to have someone missing. I think it's a mom thing. I don't feel complete without all of my kids together.
Here's the deal, the thing I've had to come to grips with; it's not about me! I'm making memories for my kids and if someone is missing, even that is a memory. Every time we are all together I beg for a family photo to be scheduled. Every time I say, "this could be the last time we are together in a long time." I had to tell them, "I don't ask for hardly anything from you", in hopes that they will give in. I am thankful for every family photo we have. Sometimes we only have four of us, and other times we've managed all seven.
My family has memories that were captured through photography because I didn't wait until the moment was picture perfect. Our lives aren't picture perfect so what we are documenting is real life.


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RetroMania Wrestling is coming!
Retrosoft Studios, LLC is a video game development company creating modern games with a retro feel.
RetroMania Wrestling is currently slated to be released for the PC, Nintendo Switch, and Xbox One. Stay tuned for information on both the PlayStation 4!
Are you ready to step into the ring with RetroMania Wrestling?


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In this article, I will walk you through one of the most popular trading indicators out there- MACD. Where can I find your disclaimer?
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kuingia letu kuu yatatokana na rangi faida ya dots hizi. This forex strategy may take a while to understand but have a close look at the charts below and you will understand that it is simple.
Moving Average Convergence/ Divergence ( MACD), as the name suggests, is about Convergence and Divergence of two moving averages. How to identify MACD crossovers as reversal setup signals How to use divergence signals on both MACD and its histogram to spot potential reversal setups macd Module recap/ conclusions.
The Super BB MACD SSA forex trading system is based on the concept of Singular Spectrum Analysis ( SSA). FX Faida Zaidi ya Lager na Hatima.
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pdf — a series of chart slides with a new bar added in each, allowing you to forecast the move with the strategy and check your forecast by looking at the following slides. When you install MACD TMA Centered TT Indicator in your trading platform, your chart should look like this.
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The MACD indicator is one of the most widely used tools for Forex technical analysis. MACD stays for Moving Average Convergence Divergence.
Faida ya forex na macd pdf. Tutakuwa kuangalia kununua wakati dots ni.
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4+ Hour+ MACD+ Forex+ Strategy. pdf — the actual strategy description document.
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Based on this information, traders can assume. Wakati BB MACD MT4 ni usahihi kubeba juu ya biashara ya jukwaa yako chati yako unapaswa kuona kama hii: Kama unavyoona hapo juu kuna ni ya kijani na nyekundu dots na oscillators tatu kiashiria dirisha.
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But finding a divergence on the graph alone is very difficult. Download from Forex Winners DataBiz : Forex profit with macd.
Here there is a list of download MACD ( Moving Average Convergence pdf faida Divergence mq4) indicators for Metatrader 4. MACD is a Metatrader 4 ( MT4) indicator and the essence of the forex faida indicator is to transform the faida accumulated history data.
September 19, in Indicators.
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My second homework is done! I had learned the way to use revolve in creating certain model started with bezier tool. To be honest,I was rushing to finished this model in time to upload my homework in time.But,still managed to finished it. The software that i used to build this model was Autodesk Maya 2016 Student Edition. For the texture,i googled it.I do not own the texture,i get it from http://paper-backgrounds.com/old-scratched-aluminium-metal-texture/
Please leave a LIKE,I will be very much appreciated! And share,but i know you probably won't do that,it's a waste of time for you.So,still thank you for reading this by the way!
not sure if you notice there's nails right behind the radar plate.LOL
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Published 30th January
SCEAU ROYAL was so good on his seasonal reappearance here that he may yet prove himself a serious contender for the Betway Queen Mother Champion Chase.
Alan King's gelding made light of a ten-month layoff to beat race-fit Simply Ned with something to spare - even accounting for the 3lb he received - and that horse franked the form big style when getting the better of Footpad at Leopardstown over Christmas.
The last-named of course won last year's Arkle in the absence of the selection, who was forced to miss the Festival due to injury, and is generally second favourite for this race ahead of his scheduled next run at the Dublin festival.
All of which makes Sceau Royal a bit of value at around twice the price of Willie Mullins' charge in a market dominated by the mighty Altior, who is unbeaten in 12 starts over fences.
Alan King's gelding made light of a ten-month layoff to beat race-fit Simply Ned with something to spare and that horse franked the form big style when getting the better of Footpad at Leopardstown over Christmas.
To make the case you have to forgive the 7yo's poor run behind Nicky Henderson's reigning champion in the Tingle Creek last time and while King was inclined to blame the soft ground, perhaps the relatively quick turnaround also had something to do with it.
Sceau Royal certainly appeared to run flat, being a spent force soon after three out, and despite the calibre of opposition (Un De Sceaux second) it's hard to believe he was the same horse seen in the Shloer Chase 20 days earlier.
Good enough to finish sixth in the 2017 Champion Hurdle, less than three lengths behind fourth-placed Footpad, he boasted a near-exemplary record over fences prior to that Sandown blip, his only other defeat coming in a photo with North Hill Harvey to whom he was conceding 5lb.
A quick and accurate jumper with a good attitude (won 11 of his 22 National Hunt starts), his overall record fresh and at Cheltenham encourages a belief that he can bounce back to top form after his latest rest and make the frame at least at decent odds.
Gary's Recommended Bet (scale 1-5 points):
BETWAY QUEEN MOTHER CHAMPION CHASE (Wednesday 13th March)
1pt each-way SCEAU ROYAL (14-1 bet 365, Ladbrokes, 12-1 Betfred, Coral - all NRNB)
Gary provides regular ante-post updates on Twitter. His username is @horsetraderinfo


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Teen Theater - A Midsummer Night's Dream. July 1st - July 19th, 2019. 1pm - 3pm
Directed by David Snider
July 1st -July 19th, 2019 (no program July 4)
Teens 13-18 years old; Monday-Friday 1pm - 3pm
Tuition: $399 per student if registered by June 14th or $425 if registered after June 14th
Hubbard Hall Mainstage
Performances Friday, July 19th and Saturday, July 20th, at 7 pm and Sunday, July 21st at 2 pm
Tickets: $10 Adults, $5 Students.
Teen theater returns to Hubbard Hall with a Shakespeare summer classic. Teens will train in acting, stage combat, text, voice & speech and character creation as they rehearse towards their final performances in Hubbard Hall. Puck, Oberon, Titania and a cast of young lovers make this one of Shakespeare's best and most beloved comedies.
|NeonCRM by Neon One


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Corporate Fraud
Fraud involves deceiving entities into loaning money, signing agreements, or doing some act based on false statements. Actual loss of money is not required for conviction.
Violent Crimes
Individuals often commit crimes without an intent to hurt someone; however, something unexpected may occur, resulting in injury, perhaps even death. A violent crime doesn't always have to be planned; instead it can be the result of unintended consequences that take place during an offense.
Appeals & Writs
Sometimes during a trial or upon hearing a motion, a judge and prosecutor may make a mistake concerning the law. Appeals, if successful, can result in a guilty verdict or a negative ruling on a motion being reversed, offering the individual better results.
Financial Crimes
Financial Crimes involve the theft of monies from government agencies and possibly private entities. Under recent changes to white collar crime sentencing guidelines, the penalties for financial crimes can often be severe, involving many years in prison and hefty fines.
Property Crimes
Property Crimes pertain to the theft or destruction of another's property and can include larceny, petty theft, grand theft, burglary, auto theft, vandalism, extortion, and other related offenses. Victims can include individuals, companies, and government agencies.
Bob Hartmann
Robert Hartmann (Bob) is the owner of Hartmann Law Firm


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Gemind Meteor Shower (2011)
Paint Mines Interpretive Park - Calhan, Colorado
The Geminid Meteor Shower is arguably the best meteor shower of the year. I stayed up until 3 AM to get the shot here, taken at the Paint Mines in Calhan, Colorado. Minor light pollution from Colorado Springs is seen at bottom left, with 12 meteors in the frame. The Milky Way is even seen rising up through the frame above the rocks. It was an amazing sight to behold, with meteors flashing in the night sky causing the ground to light up. The experience left me feeling in awe and wonder of the night sky and kicked off a decade-long obsession of photographing meteor showers and shooting stars.
Photo © copyright by Matt Payne.
Acrylic Fine Art Print - Ready To Hang
This is the most incredible finished product that I offer.
Your fine art is carefully placed behind an acrylic glazing and another archival substrate. This is the premier presentation system for bringing detail, color and tonal range to life in a way that traditional photo framing cannot. For this presentation style, world-class polyester photographic material is used for amazing color and longevity.
These works of art are Face Mounted on lens-grade optically clear 1/8″ TruLife Anti-Reflective acrylic. This revolutionary product delivers the highest-resolution viewing experience of photographic artwork available today. TruLife acrylic is also abrasion-resistant, helping preserve the life of the print. With lifelike colors, incredible depth and clarity, TruLife is the best way to show high quality art. The edges are hand polished for a crystal clear look. The Acrylic Face Mount comes ready to hang with a z-bar hanging system. An acrylic face mount piece of art will look great against most any wall type.
* Free shipping for all U.S. orders! Please contact me for international shipping fees. Due to the meticulous production process and availability of the high quality materials used in this acrylic artwork, please allow 6-8 weeks for production and delivery.
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ChromaLuxe Fine Art Metal Print - Ready To Hang
ChromaLuxe Metal Prints are produced using Dye Sublimation technology to infuse inks into specialized aluminum plates that have been finished with a fine multiple layer polymer. ChromaLuxe's archival qualities, image brilliance, and durability make it an excellent all-around choice.
Two metal surfaces are available - a glossy surface with more pop and saturation (albeit with more glare and reflective properties), and a mid-gloss satin surface with similar color intensity and detail as the glossy option, with reduced glare. By default I print on glossy unless you indicate otherwise by contacting me.
My ChromaLuxe metal prints are finished with a float mount system on the reverse and either a z-bar or wire for effortless hanging on delivery. No exterior framing is required.
* Free shipping for all U.S. orders! Please contact me for international shipping fees. Please allow 2-3 weeks for production and delivery.
The process of printing on this medium can rarely result in defects in the print medium that are barely noticeable. This is not something that can be controlled in the lab.
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text: Two decades of uncharacteristically severe wildfires have caused government and private land managers to actively reduce hazardous fuels to lessen wildfire severity in western forests, including riparian areas. Because riparian fuel treatments are a fairly new management strategy, we set out to document their frequency and extent on federal lands in the western U.S. Seventy-four USDA Forest Service Fire Management Officers (FMOs) in 11 states were interviewed to collect information on the number and characteristics of riparian fuel reduction treatments in their management district. Just under half of the FMOs surveyed (43%) indicated that they were conducting fuel reduction treatments in riparian areas. The primary management objective listed for these projects was either fuel reduction (81%) or ecological restoration and habitat improvement (41%), though multiple management goals were common (56%). Most projects were of small extent (93%


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"We're steadily moving toward a new normal where billion-dollar disasters are a regular occurrence," says Emilie Mazzacurati, founder and CEO of Four Twenty Seven. "This combination of extreme weather events and growing pressure from asset owners and regulators is pushing a lot of businesses to look for a way to understand their exposure and start managing their risks."
Greta Thunberg at the WEF in Davos
The Global Risks Report 2019 | World Economic Forum
Extreme weather is again out on its own in the top-right (high-likelihood, high-impact) quadrant of the Global Risks Landscape 2019. The year 2018 was another one of storms, fires and floods.19 Of all risks, it is in relation to the environment that the world is most clearly sleepwalking into catastrophe.
You can download the report here, or go to the WEF webpage for more information.
2018's Costliest Natural Disasters | Insurance Journal
A report from Munich Re on last year's natural disasters pointed to "clear indications" that man-made climate change is a factor in California's wildfires.
Great Ocean Road at risk from erosion and rising sea levels | The Guardian
Yes, let's pretend nothing has changed....
"The road has been there for 100 years and will continue to be there for many many years, decades to come."
Air pollution linked to 'extremely high mortality' in people with mental disorders | The Guardian
At Davos, bosses paint climate change as an opportunity | Reuters
It seems that leaders in Australia are in the minority when it comes to seizing the opportunity presented by climate change. One need only look to our North and learn from China's approach to this challenge.
Global Risks Landscape - Global Risks Report 2018 | WEF
Likelihood and impact of global risks. In the top right quadrant, seven out of eight risks are climate change related. Is it time for drastic action or shall we kick the can a little further down the road?
5 things we learned about the environment at Davos 2018 | WEF
A neat summary that stresses that we need to act much more quickly than we have so far.
The Global Risks Report 2018 | WEF
Each year the Global Risks Report works with experts and decision-makers across the world to identify and analyze the most pressing risks that we face. As the pace of change accelerates, and as risk interconnections deepen, this year's report highlights the growing strain we are placing on many of the global systems we rely on. Read more or download the full report here
Frydenberg Factcheck: Is S.A really burning 80,000l of diesel an hour to keep lights on? | Renew Economy
If you were unlucky enough to catch Josh Frydenberg's recent 'car crash' of an interview, where he tried to spin Australia's fourth consecutive year of growing greenhouse emissions as nothing but good news, your ears might have pricked up at the claim that South Australia and Victoria have had to bring in 'expensive and polluting' diesel generators and that South Australia in particular is burning '80,000 litres of diesel an hour, just to keep the lights on'.
With so many half-truths floating about in the so called 'energy debate', it's worth unpacking this claim. Read more
Chaos Theory in Action | CEAG Liz Bossley
The overhaul of the regulatory regime for financial instruments, including commodities, since the banking crash of 2008 constitutes a lot more than the archetypal "butterfly flapping its wings" of chaos theory. So we should not be surprised to see far-reaching and unintended consequences in the market from the flapping of the weighty Dodd Frank and EMIR/MiFID wings of legislation.
Better the Devil You Know: Changes in the commodity market over the last 10 years | Lindsay Horn
Less than 10 years ago the Wall Street Banks were on top of the oil trading heap and their client business in derivatives was an important source of profit for the banks and a major entry point for any corporate hedger.
Things have changes in the last 10 years.
Loy Yang B failure sends prices soaring, triggers supply safeguards | SMH
The Australian Energy Market Operator has kicked off emergency measures to protect power supply after Victoria's Loy Yang B brown coal-fired power station failed on Thursday afternoon, sending electricity spot prices soaring.
As temperatures rose around southern Australia Loy Yang B's generators failed at around 4pm, instantly taking around 528 megawatts of energy out of the state's grid.
Read more
'There's nowhere to hide': companies warned on climate risks | SMH
How CO2 transparency helps companies grow | World Economic Forum
Studies show that companies that take steps to operate more sustainably outperform their peers in terms of shareholder return. In a recent study from the Henley Business School, researchers examined the relationship between carbon emission disclosures and financial performance for UK companies. They found that the mere act of disclosure results in improved share price performance, and that there is "a significant positive relation between corporate carbon disclosure and corporate financial performance".
In another study, Harvard researchers examined the future financial impact of material and immaterial sustainability investments. Using SASB's framework for materiality, they were able to determine that firms with strong ratings on material sustainability issues outperform their peers with inferior ratings. Specifically, they found that top performers achieved an estimated annualized alpha of positive 4.83%, while firms that made no investments had an estimated annualized alpha of negative 2.20%.
In October, Boston Consulting Group released a report that agreed – "investors rewarded top performers in specific ESG topics with valuation multiples that were 3% to 19% higher… than median performers". In addition, they found that top performers had margins that were up to 12.4% higher. It is irrelevant whether this is due to correlation (executive teams that understand the need for sustainable business operations are better managers overall), or causation (because of their superior sustainability efforts, these executives are creating brand value and customer allegiance that enables them to financially outperform); there is credible evidence that sustainability disclosure can help investors make better decisions.
Read more
Levelized Cost of Energy 2017 | Lazard
Lazard has conducted this study comparing the levelized cost of energy for various conventional and Alternative Energy generation technologies in order to understand which Alternative Energy generation technologies may be cost-competitive with conventional generation technologies, either now or in the future, and under various operating assumptions, as well as to understand which technologies are best suited for various applications based on locational requirements, dispatch characteristics and other factors. We find that Alternative Energy technologies are complementary to conventional generation technologies, and believe that their use will be increasingly prevalent for a variety of reasons, including RPS requirements, carbon regulations, continually improving economics as underlying technologies improve and production volumes increase, and government subsidies in certain regions.
Download the full report here
China in 2017 | IEEFA, Tim Buckley
In 2017, China has continued to be the world's dominant force in the building and financing of clean energy technology globally. Indications are that renewable energy will dominate global power capacity additions for at least the next two decades. China is preparing now to lead this new energy world. The withdrawal of the U.S. from the Paris climate agreement along with an increased U.S. government emphasis on coal and away from renewables is at odds with the direction being taken by China.
"The clean energy market is growing at a rapid pace and China is setting itself up as a global technology leader whilst the U.S. government looks the other way," Buckley said. Although China isn't necessarily intending to fill the climate leadership void left by the U.S. withdrawal from Paris, it will certainly be very comfortable providing technology leadership and financial capacity so as to dominate fast-growing sectors such as solar energy, electric vehicles and batteries.
Download the full report here.
FERC gives Perry plan the cold shoulder | Politico
FERC (the US Federal Energy Regulatory Commission) is going back to the drawing board on how to gauge the power grid's resilience after the five commissioners unanimously rejected Energy Secretary Rick Perry's plan to prop up coal-fired and nuclear power plants Monday. After delivering a forceful defeat to the former Texas governor's Notice of Proposed Rulemaking and coal plants alike, the agency ordered U.S. grid operators to submit additional information about their ability to judge "naturally occurring and man-made threats" to their systems within 60 days, punting any potential action until at least April — and that's only if the agency decides to act at all. More
Colorado's renewables revolution gathers steam | Carbon Tracker
On 28 December 2017, Xcel Energy filed their Electric Resource Plan (ERP) for Colorado. Over 350 proposals for renewable energy were received by Xcel Energy and highlight the incredible cost reductions in renewable energy with storage. According to the filing, the median bid price for wind plus storage was $21/MWh and for solar plus storage was $36/MWh. Around 26 GW of solar and wind with storage were bid.
- The filing shows the median bid price for wind plus storage was $21/MWh and for solar plus storage was $36/MWh. As far as we know, these are the lowest renewables plus storage bids in the US to date.
- Several details remain unknown, but the median bid for wind plus storage appears to be lower than the operating cost of all coal plants currently in Colorado, while the median solar plus storage bid could be lower than 74% of operating coal capacity.
- New research shows US coal burn declined 2% y-o-y, confirming coal is not coming back and will likely remain at the mercy of cheap gas and renewables.


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Third contest for tickets to dark black show in Ponec
Win a ticket to a dark-as-the-night show in Ponec: Celeste (FR), Esazlesa (CZ) and Dirge(CZ).
Win a ticket to a dark-as-the-night show in Ponec: Celeste (FR), Esazlesa (CZ) and Dirge(CZ).
One of the leading Czech journalists invites you to this year´s edition in their radio show, Echo Pavla Klusáka.
Join our contest and win free tickets to the individual shows of the festival! This week, two winners can get a free ticket to the grand evening of the festival, Supersilent's show in Radlická – kulturní sportovna.
Radian will release a new album, On Dark Silent Off, via Thrill Jockey in the fall.
The long-standing experimental group has already released three albums with Thrill Jockey—the last one being 2009's Chimeric. Their new record, which incorporates guitars, drums, bass and a host of electronic hardware, is, according to the label, all about "the juxtaposition of extremes, the contrast between light and darkness; and in musical terms, sound and silence and brightness/darkness of timbre."
The project chosen by the organizer of Alternativa festival, Unijazz, is Prague-based trio Lusk.


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Ukrainian Passport
They advertise for translators. How do you compete in promoting dating sites? International dating sites lure girls with promises of high earnings and clouded outlook of getting married to a rich American. What do my figures look like then?
How to make money with your online dating site
- While i do not have the perfect answer or a simple Yes no reply to this excellent question.
- How much can you earn this way?
- Such a financial vicious circle.
- They provide hosting and everything else.
- Writing a weekly column, and then writing articles about the items you are selling will really be a big help.
Expand your idea to something that works for you and also earns for you and you will be perfect. He says this work needs an individual approach. There are six or seven administrators. They also have tutorials to show you how to do it.
She came back from the smoke break. When you create a new site using the Dating Factory system, your site will have members in it the minute you put the site online. Advertise other dating sites on your site to up the member value.
You need to provide a domain name and send traffic to the site. Ukrainian women actively flirt with foreigners on dating sites. And the built-in affiliate program capabilities allow you to recruit people to promote your site for you, and Dating Factory will see to it that they get paid.
10 things dating sites won t tell you - MarketWatch
When I pretend that I do not understand what they are about, they immediately get off and do not connect with me anymore. For people that own dating sites can you tell me is it worth the time. It is also necessary to attach a photo to each letter.
But with online dating niche this is not easy. How do you set up dating sites with Dating Factory? Click here to learn more about building your own dating sites. One interesting way to compete in the profitable, but competitive world of dating sites is to not compete.
While I fill in the form, dating the other room is being renovated. Max thoroughly got to my training. Two others wrote long messages with detailed descriptions of their erotic fantasies. Leave a Reply Cancel reply Your email address will not be published.
Dating Factory has a platform for building the Website. The first thing you need to do before starting your work is to compose a mail, where to write briefly about yourself and try to interest the man with something. As I find out later, there are quite a few men among the translators.
How Much Does It Cost To Start An Online Dating Website Business
What do you think about it? The message has been sent. Julia put a wayward brown hank behind her ear and stately look through the papers on her table in the agency. They currently have several million members in their database who live around the world.
They did not even call me to take from the office. And finally, it is forbidden to leave the computer, california if the webcam is turned on during a chat session. Consider your start up cost and the competition that might already be within the niche you are considering. But such girls are in a minority.
He scratches his growing beard from time to time and swallows cheap instant coffee without milk. She says she found the job by an ad. At the sime time ask your members to tell a friend about your site. Try to write both forwardly and seriously, paleomagnetism dating and will see what they better fall for.
Quick guide to dating site revenue models
In any case, a serious wealthy man hardly will seek a wife on another continent, and far much through the Internet. This depends incredibly much on who your members are. Any other suggestions would be much appreciated.
How much dating sites make 30 Day Transformation Team
However the men do not even suspect that such communication is not a romantic adventure for the women, but a way to make money, and that they are the main link in this circle. My question is, nice what are some of the best ways to make money off of a site like this? The question is how to make a man to select from this mass of vamps just me?
There are so many options within that niche that you can even write a book and do an amazing job at earning a living. Do you think I should start charging members? Instead of joining the thousands of affiliates who are promoting this particular site or that one, you can give yourself an advantage and avoid the competition by creating your own dating sites. How many percentage is paid?
Dating Sites Make Money by Creating One of Your Own
In fact, the dating niche is one of the most popular marketing niches out there. Just sit down and think something unique and stick with it. This would ease the decision process of what affiliate programs are recommended. But if you really feel that you can bring value to this world with your website, then go ahead! All you need is a domain name.
The site is very unique to the target market and the majority of members that are on the site visit it daily. And then you need to shut your female pride in the darkest closet of your subconscious and learn to balance every day on the very line between debauchery and flirting. Having said that, she goes forwardly for a smoke break.
- What about the problem of having members?
- Even if a man is not initially about to communicate with you he will go to your profile for interest to see how do you look like?
- Everything as in a traditional underground office, I think involuntarily, trying to puzzle out how this system works.
- If you take this approach you may not need to charge a monthly fee.
- Unless you have a really niched idea remember too niched and you wont get enough people.
There is another problem with the video chat. It was not allowed to induce intimacy, extort money or gifts. It is based on my LiveDateSearch. Think what people need and want and search if there is something like that. No intimacy, just harmless flirting.


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KYIV, July 5 - Moody's Investors Service after upgrading the sovereign rating of Ukraine and its banks and changing their outlook to stable in 2018 has also changed its outlook for Ukraine's banking system to stable from positive.
"Continuing economic recovery albeit at a slower pace will support overall operating conditions for banks," Moody's said in a recent report.
Moody's said that rapidly growing consumer loans will pose risks to asset quality.


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- New York 2020 Congress
- Programs
- Membership
- Professional Development
- About
- Support Us
|Fellowship Participant - Annette Corbett
Fellowship Participants
Annette Corbett
Independent Producer
Annette is in the third and final year of her ISPA Fellowship. Having joined the programme as Head of Development for jazz music education and development agency Tomorrow's Warriors, she then went on to work as a freelance producer and consultant, supporting organisations on strategy, fundraising, management and delivery.
Her experience covers a diverse range of organisations and roles, from the programming team at the Southbank Centre and individual giving at Dulwich Picture Gallery, to producing site-specific promenade theatre around the streets of Shoreditch and South London.
Annette is delighted to have joined Battersea Arts Centre in autumn as their new part-time Writer & Fundraiser. BAC is one of the most collaborative, innovative and influential arts centres in the UK, pioneering new models of working and creating which have been adopted and adapted by organisations across the country and beyond. She has a long-standing connection with BAC, having first entered the building as an audience member, and then as a volunteer steward, on Punchdrunk's immersive production The Masque of the Red Death.
Annette intends to use her freelance time to continue supporting small organisations, producing shows and developing a project to engage with young people in her local community.
>>View Annette's member profile (member sign-in required)
ISPA would like to thank Arts Council England for their support of this important regional initiative.


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OFFICERS with a warrant carried out a search at a property in Dalmuir.
At around 2pm on Thursday, June 27, police searched the flat in Dunswin Court.
A total of 40 grams of heroin was allegedly seized.
Click here for all the latest Clydebank news
A 47-year-old man was arrested, and will be subject of a report to the procurator fiscal.


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West Coast Motors is a privately owed family business established in the early 1920's. We operate buses and coaches on a mix of school contracts, local services, school and private group hires across Argyll with … Read more
Jobs within 50 miles of Isle of Bute
If you are searching for a job on Bute, then you have a fantastic range on offer in our current listings across the different professions, industries, trades, hospitality and services listed below, in both the private and public sectors.
Our mission at HIJOBS is to show you a range of new jobs and we continually update this page to make sure you do not miss out on any of the opportunities Bute has to offer. Whether you are exploring a career change or hoping to progress your current path, we are here to help you find a role to suit your needs.
Below you will find the current jobs in Bute. Our filters will help to focus in on the types of jobs you are looking for and our careers section will guide you through the application process to make it less daunting. Take a look at the HIJOBS application advice pages for some tips on how to get started. We hope you find your perfect job on Bute. Read more about living and working in Bute
The variety and pace that comes with every shift as a Customer Assistant at Lidl needs dedication and flexibility. Our stores are open Monday to Sunday so you'll need to be able to work weekends, … Read more
To drive various vehicles for the transportation of waste/recyclates across Argyll and Bute, to comply with all aspects of Heath & Safety and the Company's contractual obligations with the local authority. … Read more
We are always looking for ambitious and motivated individuals to join our passionate team so if you want to test yourself in a challenging workplace, look no further… Due to significant growth within our company, we are looking to recruit a number of various roles across the Torridon area. … Read more
PMG Engineering Services are looking for a full time workshop supervisor for Campbeltown depot. … Read more
Job Description What is the role? To provide care of children attending the After School / Holiday Clubs operated by South Ayrshire Council. Please click on the option to download additional information on this vacancy … Read more
Job Advertisement NLC11 - £36,015 - £40,053 Pro Rata Working within the Community Learning & Development team, you will be responsible for the engagement of parents and carers of children at school in North Lanarkshire. … Read more
Job Summary This post is based in the Planning team within our Economic and Regeneration Service. Reporting to the Senior Manager Planning, you will be involved in the key strategic spatial planning policies of the … Read more
Job Summary Temporary until 31st March 2021 This post is based in the Communities and Place team within our Finance Service. Reporting to the Team Manager, you will be involved in budget monitoring for a … Read more
Job Summary Interviews will be held on 5th November between 1pm - 4.30pm and on 6th November between 9am - 1pm. This post is based in the Communications team within our Democratic Service. Reporting to … Read more
Job Advertisement NLC10* (£32,553 - £38,076) NLC11* (£36,015 - £40,053) Are you looking for a career with an employer who offers a generous package of terms and conditions and promotes work-life balance and wellbeing amongst … Read more
Job Description We are looking for an enthusiastic and dynamic candidate to assist with the delivery of Stirling Council's digital programme. This will include supporting the implementation of the Council's new customer experience management solution … Read more
Job Summary Temporary until 30th August 2020 This post is based in the Garnock Valley team within our Community Care Service. Reporting to the Team Manager, you will be involved in the co-ordination, scheduling, supervision … Read more
Job Summary This is an additional temporary resource pending Facilities Management review. Salary will be pro-rated for part-time and term-time positions. The role of Cleaning Facilities Assistant is to contribute to the effective provision of … Read more
Are you an experienced Migration Finance Manager looking to join us on a 12-18-month contract based in Glasgow? If so, read on. Base Location: Glasgow Salary: Circa £50,000 depending on skills and experience + annual … Read more
Job Summary Previous applicants need not apply Interviews will be held on Wednesday 6 November. The Active Schools network aims to increase activity levels of children and young people by ensuring there are more opportunities … Read more
Mechanics, it wouldn't work without you. Fixing cars is one of the most varied, challenging and important things you can do at Arnold Clark. Without our mechanics, our business would come to a standstill. That's … Read more
We're looking for an organised and enthusiastic Rental Customer Advisor for our Car & Van Rental branch in Ayr branch. Hours Part time, 30 hours per week, including weekends About the role As part of … Read more
We're recruiting for an efficient and diligent Quality Control Coordinator to be based in the Marketing department at our head office in Hillington. Hours Full time; Monday - Friday 9am - 5.30pm About the role … Read more
Service Assistant Location: Cumbernauld - Fixed Term Up to £8.35 per hour + benefits WE ARE… We're Screwfix and we're proud of it. By putting our customers first, we're providing quality products, at competitive prices … Read more
About the role Balfour Beatty has an exciting opportunity for a Production Foreman to join our Rail team to work in Glasgow . Role Purpose The Specialist Services Team within Balfour Beatty was formed to … Read more
Trade Plate Driver – Flexible hours (fully expensed and employed) Location: Glasgow Salary: £8.25 per hour + 12.07% holiday pay (weekly paid) Expenses: You will be issued with a cash float so you don't have … Read more
Customer Delivery Driver £8.84 Per Hour About the Role A great customer experience. That's what our drivers are out to deliver. From loading up, fuelling and checking the van for the next route, or giving … Read more
Security Guard £8.84 Per Hour About the Role At Asda, the safety and security of our colleagues and customers is really important. Helping customers feel secure is all part of the great Asda service they … Read more
Customer Delivery Driver £8.84 Per Hour About the Role A great customer experience. That's what our drivers are out to deliver. From loading up, fuelling and checking the van for the next route, or giving … Read more


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lepo нунтаглах машин
хлэл > lepo нунтаглах машин
Lookups of 'Lepo' Spiked During Debate Discussion of
According to MerriamWebster, it is a combining form, from Greek, which means husk, rind, or scale as in lepocyte or lepothrix. These oldfashioned words refer, respectively, to a type of
Low Exercise Price Option LEPO Investopedia
A low exercise price option (LEPO) is a Europeanstyle call option with an exercise price of 1 cent that mimics a futures contract. A low exercise price option (LEPO) is a Europeanstyle call
Urban Dictionary: Lepo Lepo
Urban Dictionary and our advertising partners set cookies on your computer to improve our site and the advertisements you see. To learn more about what data we collect and your privacy options, see our
Low Exercise Price Option Wikipedia
A Low Exercise Price Option (LEPO) is an Australian Stock Exchange traded option with a low exercise price that was specifically designed to be traded on margin. It is a European style call option with a low exercise price of $0.01 and a contract size of 100 shares to be delivered on exercise.History ·
What's "A Lepo?" NBC News
MerriamWebster, yes the dictionary, is tweeting about words people are searching during the debate. Many people are looking up "A Lepo" instead of Aleppo, Syria.
Aleppo Wikipedia
Aleppo (/ ə ˈ l ɛ p oʊ / Arabic: ﺣَﻠَﺐ / ALALC: Ḥalab, IPA: ) is a city in Syria, serving as the capital of the Aleppo Governorate, the mostpopulous Syrian governorate. With an official population of 4.6 million in 2010, Aleppo was the largest Syrian city before the Syrian Civil War however, now Aleppo is probably the secondlargest city in Syria after the capital Damascus.Region: Arab States
lepO americanradiohistory
lepO ti ) ( Hecorti Minor, December 16, 1978 3' US Charts reprinted by kind permission of Billboard. I 1 7 8 8 25 9 9 ALWAYS AND FOREVER, Heatwave 10 7 HANGING ON THE TELEPHONE Blondle 11 74 LAY YOUR LOVE ON ME. Race,/ 12 13 DON'T CRY OUT LOUD, Elks Brooks 13 5


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The Midlife Kitchen
health-boosting recipes for midlife & beyond
By Mimi Spencer | Hardback | 0 Review(s)
Ships in 9-13 days
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As featured in The Times and The Daily Mail.Are you at a point in your life where health is becoming more of a priority? Are you confused by ever-changing headlines that contrive to make the simple act of eating a peril rather than a pleasure? The Midlife Kitchen has the answers.Midlife is not a... read more time to be concerned with food fads and foibles, but rather a glorious opportunity to wrest back control of your eating in the interests of health, happiness and a long life. Taste must certainly come first, but with health firmly snapping at its heels, underpinned by well-established nutritional common sense. Busy lives require simple, sustaining recipes that incorporate health-giving ingredients without too much fanfare or fuss. This book is not about 'clean-eating' or super foods, detoxing or restriction. Instead, it is about building up a balanced and diverse diet, with less sugar, better fat and good carbs. Alongside each recipe is the Midlife Kitchen emblem, the star anise. With each of the eight seeds representing a specific Midlife Health category - such as Hormone Harmony; Mind, Memory, Mood; or Heart Health - authors Sam and Mimi are able to provide simple nutritional information. Health tips explain the benefits of certain ingredients, while 'Why We Love It' sections explore the advantages of cooking each dish. Midlife Must-Haves show how to create homemade essentials such as Midlife Grown-up Granola, Midlife Power Porridge and Midlife Sweetener. From Seared Sirloin on Pan-roasted Veg to The Mother of All Greek Salads, Nurture Bircher to Three-ginger Fire Cake, the recipes in this book come together to create a vibrant menu bursting with mouth-watering flavours.
Mimi Spencer
Mimi Spencer
Ships in 9-13 days
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Find out what's missing from your website. Enter your URL below to get started.
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A website is only as powerful as the content it holds. One of our greatest passions is capturing the essence and experience of a company and translating that into an effective website. Whether it's photo, video, curated blog posts, or engaging newsletters, we've got your back!
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These hefty, 15 oz. fully printed mugs showcase the best of DeYoung's Abstract Fish Flank Series in bright, vivid detail.
Buy as singles or as sets. Microwave safe, but not dishwasher recommended. Made in the USA.
NOTE: This product is available for shipping within the continental United States only. All mugs are shipped by FedEx Ground. Please allow 7-10 days for delivery.
Free & Fast Returns
You may return most new, unopened items within 30 days of delivery for a full refund.
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If you have any questions about that product, just send us an email to email@example.com