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Synthetic Danger, Again
In "The Big Short" Michael Lewis was able to elegantly explain just how "a security so opaque and complex that it would remain forever misunderstood by investors and rating agencies: the synthetic subprime mortgage bond-backed CDO, or collateralized debt obligation" is created. It takes him less than a page. However, the thicket of financial products does get a bit more complicated from there.
For example, as many toxic mortgages as there were to package together for speculators to make side bets on, Lewis pointed out,
when Mike Burry bought a credit default swap based on a Long Beach Savings subprime-backed bond, he enabled Goldman Sachs to create another bond identical to the original in every respect but one: There were no actual home loans or home buyers. Only the gains and losses from the side bet on the bonds were real.
Yes, synthetic CDOs were born out of the collective imagination of Wall Street. Now, there's a new synthetic something to put on your radar: Synthetic securitization in the form of capital relief for banks.
The latest Grant's Interest Rate Observer calls our attention to the latest bit of financial razzle-dazzle to make banks risky again. What annoys bankers in the world of Basel regulations is the requirement to hold reserves in differing percentages against different types of loans and investments. Loans to governments, no matter how financially dodgy, require no reserves. Loans to people, companies, construction mean plenty must be set aside, making doing those loans in some cases unprofitable.
The whole idea of capital relief, as the name would imply, is to lower the amount of equity required and increase leverage. What's a banker to do when a pension or hedge fund rep stops by and offers to unlock some of his or her bank's idle capital?
Euromoney.com reported in 2016 that Nordea sold "a 5% first-loss transfer [which] saw risk-weighting on the portfolio fall from around 45% to 7%, giving a 30 basis points benefit to tier-1 equity."
What's synthetic about this securitization is that no assets are transferred. The buyer, in exchange for being paid an interest rate on the total amount of loss covered, doesn't take possession of the loans and therefore, "it doesn't interfere with the businesses and client relationships," Nordea's Jonas Backlund told Euromoney. "The benefit is you still face the client, who does not even notice the risk has been sold," echoed Jorge de Vries.
Grant's cites a Deutsche Bank A. G. report estimating the amount of capital relief transactions in Euroland increased from €20 billion in 2013 to €94 billion in 2016. However, when Grant's attempted to quiz regulators, here, in Canada, and across the pond, about which banks are exposed and are guarantors good for their side of the deals, regulators were silent.
Perhaps, it's as George Passaris told Euromoney, "The term synthetic creates negative connotations among politicians and regulators, because it sounds complex," he says. "In synthetics there's a lack of understanding [in the European Parliament] of the differences between a balance-sheet securitization and arbitrage deals."
Return on equity is the name of the game and thus regulations forcing increases in bank equity were the mothers of invention. Funds providing capital relief "are betting that the regulators are underestimating the quality of the loans, therefore overestimating the need for capital," writes Grant's.
However, that's not the only bet the synthetic securitization sellers are making. Grant's believes the riskiest bet is "that a decade's worth of interest-rate suppression has not distorted Europe's economy, destroyed its bond market and corrupted its credit culture."
Here in the U.S. Fannie Mae and Freddie Mac engage in capital relief. Grant's explains,
As of June 30, 2018, according to the Federal Housing Finance Agency, the duo transferred $81 billion worth of credit risk on $2.5 trillion of unpaid principal balance, and they had covered another $278 billion worth of credit risk on $1.1 trillion of unpaid principal through primary mortgage insurance.
Counterparty risk is what comes to mind when considering capital relief. Back in the 2008 crash, AIG had provided the financially engineered backstop and Eurozone banks depended on AIG's AAA rating. When the huge insurer and financial alchemist teetered on the edge of bankruptcy, Europe's banks were joined with AIG on the ledge.
Grant's Evan Lorenz writes,
All the more reason for Eurozone banks to hope that the multitude of counterparties backing capital-relief trades--whoever they are, and however much they are on the hook for--will prove more reliable in the next crisis than AIG did in the last one.
Investors in Europe's banks have already given their opinion. The Euro STOXX Banks Index today trades at 60 percent of book value compared to 156 percent of book at the end of 2007. U.S. banks in the S&P 500 trade at 125 percent of book.
Jim Grant often says, "knowledge in finance is cyclical, not cumulative." Remembering past financial folly, DoubleLine Capital's Jeffrey Gundlach told Grant's, "Are synthetic securitization not kindred spirits with synthetic CDO-squareds?"
The extraordinary book "Finance and Philosophy: Why We're Always Surprised" includes a chapter entitled "Usually a Banking Crisis Somewhere." Author Alex J. Pollock counts 263 banking crisis in the 100 years from 1901 to 2000. That's 2.63 crisis per year, and these events have continued mightily since 2000.
"Add uncertainty, fundamental illiquidity, and smallness of capital, and what have you got?" Pollock asks rhetorically. "Usually a banking crisis somewhere."
Michael Lewis, call your office.


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Liam Sheedy has praised Brendan Maher's "massive discipline" to get himself right for Tipp's Munster SHC opener against Cork on Sunday week.
Maher, 30, suffered a cruciate injury in the Premier County's dramatic loss to Clare in the final round of provincial pool games last year.
The influential Borris-Ileigh man resumed training with the panel in mid-February and made his comeback when he came on in the second half of Tipp's league quarter-final defeat to Dublin.
But Sheedy, who worked with Maher during his successful first stint in charge of the county, has been impressed by the dedication the 2016 All-Ireland winning captain has shown to return.
"Even his body shape for a guy that suffered such a serious injury, it shows his attention to detail," said Sheedy.
"He really has minded himself. He's a proper athlete who takes every part of his preparation really, really seriously.
"He's hit all of the dates in terms of his rehab and he is in great shape.
"For anyone that did take the time to watch TG4 when he was playing against Clonoulty, this guy is back at full-pace. He seems very, very solid on his knee.
"It's not alone what he brings on the pitch, but what he brings in a room. He's the ultimate leader. He's a really, really good guy to have around the place.
"His leadership skills have to been to the fore in the last number of weeks off the pitch, but now it's great to see him back in and available for selection.
"I think it requires massive discipline. It's very easy nowadays to let your body go or do the wrong thing. But from the time he got injured he was very serious about getting back on the pitch and getting to the top level again.
"Paddy O'Brien has worked with him for the last number of months and it looks like he's back fully firing.
"Yeah, delighted for Brendan. In any county or in any team you want to have all of your players available for selection.
"Brendan has been an outstanding player and for the game of hurling I think to have players like Brendan on the pitch is always good. Thankfully he's available for selection."
Only Jerome Cahill, who had a cartilage operation, will miss the first game at Pairc Ui Chaoimh, but he will resume full training this week.
"He's a really, really exciting player and one I'm looking forward to getting on the pitch," said Sheedy.
"But he's had a poor run of it. He's had no luck really, but this is a championship that will run on beyond next week."
Tipp finished in fourth place in Division 1A before poor finishing cost them a place in the league semi-finals.
"Our league form was patchy," admitted Sheedy. "We probably showed flashes of what we can do but not for long, sustained periods.
"And, obviously, if we're to be competitive in this Munster championship we are going to have to find an element of consistency that we didn't find in the League.
"But that's what we've been working on for the last number of weeks. I suppose we created the chances against Dublin but our conversion rate wasn't what we'd expect.
"And, look, we lost out by a point to a very spirited Dublin performance. So we've taken a lot of learnings and I'm happy overall".
If you haven't already, be sure to like our Irish Mirror Sport and Irish Mirror GAA pages on Facebook and follow us on Twitter.
How to follow the Irish Mirror on social media
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subset: commoncrawl


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July 27, 2013 – Taiwo Oyebanjo & CoolFM's Dotun Ojuolape' Traditional Wedding Pictures (D'banj's Younger Sister Weds)
The younger sister of music star Oladapo Oyebanjo aka D'banj, Taiwo Oyebanjo has tied the knot traditionally with her fiance, Dotun Ojuolape of Cool FM.
The celeb-jammed wedding took place on Saturday in Sagamu, Ogun state, the hometown of Taiwo.
Their white wedding has been scheduled for next week Saturday the 3rd of August, 2013.
See more photos from Taiwo Oyebanjo's traditional wedding below;
The bride
The groom and friends
The couple
A big congrats to the latest couple in town.


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DeKALB — The baseball team was held in check in the first two of three games against the Ball State Cardinals this weekend but saved itself from being swept with a win Sunday.
The Huskies were held to just three runs over their their losses, striking out 16 times to one pitcher Friday and not registering a hit after six innings Saturday.
NIU pulled together Sunday to pick up a 7-4 win, putting the Huskies at 10-10 in Mid-American Conference games.
Friday - Cardinals 6, Huskies 2
Junior infielder Tommy Szczasny got the Huskies on the board from theNIU's first at-bat of the game, homering to right field for a 1-0 lead.


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The end of February is upon us which means Autumn is drawing near. Have you saved your pennies this summer to take an extended vacation? Spending another year at your desk and are planning to live vicariously through your favourite travel bloggers? Here's our ultimate guide to where to go (and when) to chase summer this year. Don't forget to pack your Melanoboost Peptide Sun Tanning Oil!
The leaves are starting to fall in Australia, so it's time to pack your bags and head O/S. Spend March and early April exploring Bali, Vietnam and Dubai, then journey onwards to South America to visit Peru, Rio de Janeiro and the Galapagos Islands (why wait until late April to visit Peru? You'll have just missed the wet season!)
Spare a thought for your freezing cold friends and family back home, then journey onwards for a European summer. The Greek Islands are a given, but don't forget to stop for a wine along France's Côte d'Azur, a dip in the crystal blue waters of Capri, Italy, and finally spend a weekend away in Ibiza.
Work your way through North America as the end of 2017 draws nearer, making sure to visit both Costa Rica and Hawaii before spending some time bathed in sun on some of the United States' most famous beaches in San Diego, Florida and California.
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Publish Your Online Business In Live Market
Beginning an online riversweeps business can be a virtuoso thought. Disregarding the manner by which that you have to pick the best riversweeps programming, moderately as, having the required hypothesis limit. On the off chance that you wind up monetarily designed, ensure that paying little personality to all that you need some additional abilities to guarantee your prevailing on the online riversweeps programming business. To accomplish your objective, you should be especially aware of the demonstrating method since once you enter this market, you are most indisputably to go over with high test.
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These circuit a viable technique, an expert gathering, a solid spending plan, and some additional particular work environments. Clearly underneath we will take a gander at each guide top toward base near unequivocal tips inciting a valuable web riversweeps programming business.An engaging framework is an association's guide which is made by a master near the start of business to help the executives with touching base at their objectives. In present day business life, it is in each sensible sense stunning not to use an engaging technique. It is routinely chief to screen your uses and to check if the vast majority of the choices that you make serve your standard goal.
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On this region, the association plots the things or affiliations which should be offered by the partnership. The partnership must exhibit the with respect to framework, expected future for the things and which the central focuses it suits the clients. Besides, the development utilized in the party procedure, the licenses if there are any, and planned market or thing examine data must be referenced in this segment.
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Setting up a gainful business requires explain learning of the business. Our association is satisfied to remain by you and serve your business expertly all through the most ideal approach to manage supervise advance.


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Amazing clip, excellent sound track, and what a beautiful woman. Thanks!!
What are You even showing on there? How is this possibly. Are u so good looking or ur dicks like 20 Inches?
she blowed a lot of dicks i guess
She sucks like a vacuum cleaner!
link to AW?
i think the boy is black and the pussygirl white ^^
Good to se the proletariat is having fun on the job!
wirklich geil aus die Fru unter der Dusche....klasse Video.
Great vid. Lovin it !


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Form Of The Opera Aria
Peking Opera is a synthesis of speech, song, dance and combat. It's known as the national opera of CHina, and is regarded by many as the most refined form of opera in the world. Meng Guanglu has.
Ann Ziff is typically associated with the Metropolitan Opera, in no small part because she is its chairwoman. they are out in that brilliant snow all the time. It's a wonderful form, isn't it? Is.
Jun 4, 2016. Is there a cachet to the term — a sense that opera is a higher art form, more refined and prestigious, somehow richer? (Which is exactly what an.
But he had to be careful about any experimentation: opera audiences were. or ' scene' had to be built in a certain way, an aria had to have a specific form,
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Using the Aria Search form. The Opera and Role Search forms.
They were supported by their friend Giocondo, the tenor Alasdair Kent, who offered some remarkable old-style vocal pyrotechnics in the form. whose aria "Missipipi, pipi, pipi" is one of the.
In music, an aria (; Italian: air; plural: arie, or arias in common usage, diminutive form arietta, plural ariette, or in English simply air) is a self-contained piece for one voice, with or without instrumental or orchestral accompaniment, normally part of a larger work. The typical context for arias is opera, but vocal arias also feature in oratorios and cantatas, sharing features of the.
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Opera companies devote a lot of energy to thinking about how to make the art form relevant (that dubious buzzword. complete with elaborate arias that the singers have to sing while the rehearsal.
Two Washington Post critics trade thoughts about the gala, opera, and the buildings that house it. Anne Midgette: The Metropolitan Opera gala offered a cross-section of today's opera world, from an.
In the earliest operas, arias are defined by self-contained text forms separate from the surrounding versi sciolti. Musical settings of these text segments generally.
Now is the time to enjoy the drama, music and passion that has made opera one of the world's most exciting performing arts experiences. With some of the world's greatest opera stars in spectacular productions, you'll see why opera has become one of the hottest tickets in town.
TYPICAL TWO-PART STRUCTURE OF A BEL-CANTO ARIA. (CAN ALSO APPLY TO A DUET OR CHORUS SCENE). Alfredo's Aria in Act II of La Traviata is a.
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Giacomo Agosti, Stage Director & Director of Il Nuovo Canto International Singing Competition. Daniel Biaggi, General Director, Palm Beach Opera Christian Carlstedt, Casting Director of State Opera Hannover, Opera Basel, Opera Klagenfurt and Dutch Radio Orchestra
on its final aria. The Chicago opera scene, however, is all up tempo. The nation's third most populous city has not only preserved its devotion to opera, it has expanded it, despite hard times for the.
A Short History of Opera. What is it about the fusion of music, drama, visual arts, and dance that appeals to millions of people? Opera, Italian for 'work,' is over 400 years old.
With this handy dual-language volume, students of Italian can improve their knowledge of the language while enjoying the passion and poetry of some of the.
Based on the keyboard shortcuts defined in the AOL DHTML Style guide for tooltip. Tab: When a form control receives focus a tooltip appears. The tooltip is hidden when the control loses focus.
Musical form, the structure of a musical composition.The term is regularly used in two senses: to denote a standard type, or genre, and to denote the procedures in a specific work.The nomenclature for the various musical formal types may be determined by the medium of performance, the technique of composition, or by function.
Dec 20, 2018. Sarah Larson reviews the opera podcast "Aria Code," a new ten-episode series from the New York classical-music station WQXR and the.
Jul 21, 2017. In opera, a leitmotif is the same thing, but it takes the form of a melody that is. A simple comparison is an aria is essentially a musical soliloquy.
Synopsis: Cavaradossi trades his last possession, a ring, to get a guard to take a letter to the imprisoned Tosca. As he writes the letter, he sings of his love for Tosca and for life.
Muhly gives her not arias. great opera contained in Marnie. The emotive heart of Act II takes place on a therapist's couch and, here, the collaboration between Mayer and Muhly reaches its apogee.
Keyword: Nationalization of Chinese Opera Aria. Abstract: Opera, since its born in 1920s, Chinese opera became one monobasic of numerous art form in the.
May 16, 2011 · This aria has been accepted into popular culture, as opposed to most opera. Gilbert and Sullivan made themselves very rich in the realm of comic opera, and their masterpieces are the quintessential English light operas: The Pirates of Penzance, H. M. S. Pinafore, The Mikado, The Yeomen of the Guard and a slew of others.
Form refers to the structure of the music on the page, while genre is based on. For example, an aria is a genre of solo song in opera used to communicate the.
Of all musical forms, opera is probably the most complex and not all composers. This was one of the reasons we launched Make an Aria back in 2008 – to give.
With La Traviata, Verdi and Piave fashioned an opera from a play set in contemporary times—an exception in the composer's long career.Dumas's La Dame aux Camélias was a meditation on the author's youthful affair with the celebrated prostitute Marie Duplessis, known as a sophisticated and well-read woman whose charms and tact far surpassed her station.
"I want this to promote collaboration between different forms." To be certain. Vireo gets thrown in jail and she sings this incredible aria. It's the soul of the opera." Staging the performances.
Opera is a form of theatre in which music has a leading role and the parts are taken by singers, but is distinct from musical theater. Such a "work" (the literal translation of "opera") is typically a collaboration between a composer and a librettist and incorporates a number of the performing arts, such as acting, scenery, costume, and sometimes dance or ballet.
Hymns January 28 2019 On July 30, the First Presbyterian Church of Verona hosted its annual hymn sing on the front lawn of the church. The congregation sang a variety of hymns under the direction of Diane Battersby. ABOUT THIS PROGRAM "The time is always right to do what's right." – Martin Luther King, Jr. Bring the family and
The Opera Academy of California (OAC) is a non-profit charitable and educational organization whose mission is to:. Develop and educate new audiences for greater appreciation of opera and musical theater; Develop and educate singers in the art of opera and musical theater performance
The celebration of the classical art form will begin. body reacts to an operatic aria. BBC Music will air new documentaries, films and performances across BBC Two and BBC Four, including Lucy.
Paschke sang the famous aria, "O Mio Babbino Caro" during every visit. People just don't realize it, Grigg said. For Doherty, opera is the highest form of entertainment. "Instruments, acting,
Pronunciation Guide: Opera Terms. apron – the forward part of the stage between the curtain and the orchestra pit. aria – a song for solo voice with instrumental accompaniment. Arias appear in cantatas, oratorios, and operas beginning in the 17trh century. Usually they.
Sep 24, 2018. You will also be directed to the form of the title that is used in the catalog. The Aria Database may help: Search by aria title, opera or role.
Hymns Come Thou Font Old Style I know that some of these commentaries contain traces of my unique style, but please feel free to adapt them and use the content any way you can for the edification of your congregation and to the glory of God. But then there is an unverified story about an incident in Robert's old age. COME
Opera seria, continuing from the Baroque period used the same kind of (often. topics in Opera buffa); arias continued for some time to be in da capo form, but.
Is opera healthy today, or is it a 400-year-old art form. COSTANZO: I often think of an aria that's in da capo form (meaning there's an A then a B then an A) as if you have a thought, and then your.
Cartoon Young Girl Dancing Wade has been exchanging uniform tops with opposing players all season long as part of his "One Last Dance" before he retires – swapping. And as a guy coming up, a young guy, starting out with the. Looking to collaborate with ThirdLove®? Send an email to [email protected], letting us know more about you, your company
An aria is usually a self-contained vocal piece, which may be part of a larger work. The typical context for arias is opera, but they may also be found in cantatas,
It's important for composers to be familiar with the forms and building blocks of opera, but I wish that opera didn't so often feel like a uniform that a talented composer felt obliged to assume:.
Scalia/Ginsburg is an American comic opera by composer-librettist Derrick Wang about the unlikely friendship of U.S. Supreme Court Justices Ruth Bader Ginsburg and Antonin Scalia. Launched at a special presentation at the Supreme Court of the United States in 2013, Scalia/Ginsburg received its world premiere production in 2015 at renowned conductor Lorin Maazel's Castleton Festival.
The Korean Symphony Orchestra will present a range of opera arias during its 2014 Seoul Arts Center New Year's Eve Concert on December 31. The 14th annual concert will be held in the form of an.
Aria, solo song with instrumental accompaniment, an important element of opera but also found extensively in cantatas and oratorios.The term originated in Italy in the 16th century and first gained currency after 1602, when Giulio Caccini published Le nuove musiche (The New Music), a collection of solo songs with continuo (usually cello and harpsichord) accompaniment.
As opera left its toddler years behind. This excerpt features the "return" of the da capo aria with its beautiful ornaments. Note a similarity to Mozart arias like "Porgi Amor," which would come.
AUDITION REQUIREMENTS and FORM. The Aria Database is a collection of information about opera and operatice arias. of International Phonetic Alphabet (IPA) transcriptions and literal translations of opera arias and art song texts.
Freaks And Geeks Disco Dance Bill Murray Singing Tour Steve Johnson Blues Band Bay Area Blues on Yahoo for all the latest and greatest. San Francisco Blues Venues Saloon in North Beach schedule Lou's schedule Biscuits & Blues lineup Dec 6, 2018. In addition to the exclusive Sous Chef Competition, the Steve Johnson Blues Band featuring internationally acclaimed vocalist Steve
Italian Girl Names. A collection of Italian Girl Names, Popular and Unique Italian Girl Names.
Large Form– Opera; Small Form– Da Capo Aria AB with embellishments on the. Plot: The famous Doll Aria from Offenbach's Les Contes d'Hoffmann comes.
Bill Murray Singing Tour Steve Johnson Blues Band Bay Area Blues on Yahoo for all the latest and greatest. San Francisco Blues Venues Saloon in North Beach schedule Lou's schedule Biscuits & Blues lineup Dec 6, 2018. In addition to the exclusive Sous Chef Competition, the Steve Johnson Blues Band featuring internationally acclaimed vocalist Steve Johnson, Bridge Street Live
The principal Italian center remained Venice, whose opera houses were famous. The most common aria form in Scarlatti's operas and cantatas; The words da.
you can read your way through the evening in surtitles and ponder such arias as "I am ready to ascend the. is tossing out the antiquated conventions of Grand Opera and reinventing the form for 21st.
Arias are usually not strophic and they provide lyric interludes that temporarily pull the listener away from the action of the story. ballad opera – a form of 18th.
Although opera libretti are generally adapted from existing texts. Debussy also went further than a simple rejection of the conventional aria and recitative forms (where the singers alternate.
"Street Scene," with its Broadway tunes and production numbers interspersed with arias, aspired to move toward a new form of American opera. It's certainly as extensive a collection of stereotypes.


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In situ hybridization (ISH) is a type of hybridization that uses a labeled complementary DNA, RNA or modified nucleic acids strand (i.e., probe) to localize a specific DNA or RNA sequence in a portion or section of tissue (in situ), or, if the tissue is small enough (e.g., plant seeds, Drosophila embryos), in the entire tissue (whole mount ISH), in cells, and in circulating tumor cells (CTCs).
Increase in incidence of chronic diseases, coupled with need for rapid diagnostic techniques, is contributing to the increase in adoption of ISH.
In 2018, the global In Situ Hybridization (ISH) market size was xx million US$ and it is expected to reach xx million US$ by the end of 2025, with a CAGR of xx% during 2019-2025.
This report focuses on the global In Situ Hybridization (ISH) status, future forecast, growth opportunity, key market and key players. The study objectives are to present the In Situ Hybridization (ISH) development in United States, Europe and China.
The key players covered in this study
Thermo Fisher Scientific
Leica BiosystemsNussloch GmbH
Agilent Technologies
Merck KGaA
PerkinElmer Inc.
Bio-Rad Laboratories Inc.
NeoGenomics Laboratories Inc.
Advanced Cell Diagnostics Inc.
Oxford Gene Technology
Market segment by Type, the product can be split into
Kits & Probes
Market segment by Application, split into
Developmental Biology
Infectious Diseases
Market segment by Regions/Countries, this report covers
United States
Southeast Asia
Central & South America
The study objectives of this report are:
To analyze global In Situ Hybridization (ISH) status, future forecast, growth opportunity, key market and key players.
To present the In Situ Hybridization (ISH) development in United States, Europe and China.
To strategically profile the key players and comprehensively analyze their development plan and strategies.
To define, describe and forecast the market by product type, market and key regions.
In this study, the years considered to estimate the market size of In Situ Hybridization (ISH) are as follows:
History Year: 2014-2018
Base Year: 2018
Estimated Year: 2019
Forecast Year 2019 to 2025
For the data information by region, company, type and application, 2018 is considered as the base year. Whenever data information was unavailable for the base year, the prior year has been considered.
Get latest Market Research Reports on In Situ Hybridization (ISH). Industry analysis & Market Report on In Situ Hybridization (ISH) is a syndicated market report, published as Global In Situ Hybridization (ISH) Market Size, Status and Forecast 2019-2025. It is complete Research Study and Industry Analysis of In Situ Hybridization (ISH) market, to understand, Market Demand, Growth, trends analysis and Factor Influencing market.


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- Please call us for FREE help:
- (866) 531-0695
Cmh Home Health Commun Hospice
300 E Ferrell St, SOUTH HILL, VA
- Hospice
Payment Options
- Medicare No
- Medicaid Yes
- Veteran's Benefits No
- Long Term Care Insurance No
- Subsidy Available No
User Reviews
Description of Cmh Home Health Commun Hospice in SOUTH HILL, VA
Cmh Home Health Commun Hospice, located in South Hill, Virginia provides the following services: Hospice. It accepts the following payment methods: Medicaid. Cmh Home Health Commun Hospice has received 2 stars from Medicare and an average user review rating of 2 stars. Note that there are no hospitals within a 10 miles distance. The zipcode (23970) in Virginia, where Cmh Home Health Commun Hospice is located, has an average safety rating based on recent crime statistics. A more detailed description of the types of care for Cmh Home Health Commun Hospice can be found here.
Cmh Home Health Commun Hospice care provider provides hospice care. Hospice care is an infusion of home care and facility care provided to benefit terminally ill patients and support their families through their tough times.
Source: SNAPforSeniors, Inc.
Demographic Profile for SOUTH HILL, VA, 23970
Cost Of Living
Compared to the National Average
Provided By EPA; Closer to 100 is better
Annual Crime
Nearby Drug Stores
Wal Mart Stores East Lp315 Furr St
Distance: 1.0 miles
(434) 447-2578
Virginia Cvs Pharmacy Llc912 E Atlantic St
Distance: 1.0 miles
(434) 447-3117
South Hill Drug Company Inc1016 W Atlantic St
Distance: 1.0 miles
(434) 447-8720
Nearby Churches
All Saints Episcopal Church201 Franklin St
South Hill, VA
Distance: 0.7 miles
(434) 955-2271
Brodnax Assembly Of God265 PO Box
Brodnax, VA
Distance: 7.9 miles
(434) 729-2704


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That Neon Ballasts Enhance Illumination & Provide Higher Effectiveness Cost savings?
One of the greatest issues with Neon Illumination as well as gentle fittings is actually as well as happens to be deficiencies in open public attention regarding the items getting used. Usually the customer or even service upkeep division understand what type of lights they require for any light fixture, as well as as it pertains period for any ballast, these people look for "A Ballast" that could properly operate the amount as well as kind of lights getting used.
There are lots of Kinds of Neon Ballasts
Producers for example Sylvania, Progress, GE as well as Prolume, (Many others), just about all help to make neon T8 ballasts. Exactly what many people don't know is actually these people help to make many kinds just about all for that exact same light mixture. Included in this are:
— Home Quality Ballasts — Regular Common Ballast — CEE Ranked Higher Effectiveness Ballasts
All these different levels associated with neon digital ballasts can be found in 120 Volt, 277 Volt as well as Common Voltage. Not just tend to be these people obtainable in different voltages, however they too possess a excellent difference regarding the features, power usage, gentle result as well as main point here cost.
The advantages of Ballast Kinds & Prices
Home Quality Ballasts
Digital Neon Ballasts designed for home make use of are extremely typical as well as usually discovered pre-installed within neon fittings offered at shops such as House Depot as well as Lowes. The actual fittings through these types of resources frequently have less cost compared to individuals obtainable through industrial electrical or even illumination businesses using the just distinction becoming the actual ballast set up. The actual Home or even (GEB) Universal Digital Ballast, are created along with reduce utilization needs for example 3 several hours make use of daily. They've an inferior as well as more affordable electrolytic capacitor that after employed for prolonged amounts of time, crystallizes in house as well as isn't able. These types of ballasts whenever utilized in the industrial software instead of like a "Garage Light" generally fall short having a couple of years. Ballast price @ $12.00 every.
Regular Common Ballasts
Regular ballasts are made with regard to use within list as well as workplaces along with operate occasions averaging 8-10 several hours for each make use of every day. Usually this is actually the "Normal" ballast you'll obtain whenever requesting the provider for any ballast. These types of can easily be bought, and frequently include really aggressive prices through marketers @ $15.50 in order to $21.oo for each ballast. The caliber of these types of ballasts tend to be typical, nonetheless they final @ 3 -5 many years optimum existence in support of have the guarantee lengthier compared to three years in the event that set up using the exact same manufacturer lights since the ballast producer. There isn't any power advantages when utilizing regular common ballasts, besides knowning that these people run having a ballast element associated with 88%, meaning the actual lights tend to be placing away 12% much less gentle. Types of a typical make use of ballast: Sylvania Quicktronic (QTP4x32T8 ISN-SC)
Be careful: This is actually the ballast that many businesses market 100% of times. Statements associated with "Best High quality, Expert Sequence or even Industrial Grade" tend to be deceptive since it is supposed with regard to gentle only use, not really durable or even power effectiveness.
CEE Ranked Higher Effectiveness Ballasts
Higher Effectiveness Ballasts tend to be regarded as the actual "Best High quality, The majority of Efficient" ballasts obtainable these days. These types of ballasts that satisfy the effectiveness requirements of one's Celebrity as well as (CEE) Range With regard to Power Effectiveness supply optimum gentle result associated with 95% from the style lumen result as well as generating as much as 99.8 lumen's for each watt. They are superb selections for workplace, stockroom for example Neon Higher These types of fittings in addition to store illumination.
What this means is better gentle, higher power cost savings along with a total 5 12 months manufacturing plant guarantee regardless of the number of several hours useful in a software.


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6.9% ABV, Draft
Appearance: Burnt orange with a small to medium head.
Aroma: Caramel, a bit of a bready front with banana. Almost smells like banana bread.
Taste: Banana and caramel are immediately present, but are quickly covered up by some hops.
Mouthfeel: Very creamy, with a medium mouthfeel.
Wit Rabbit is an interesting take on an amber ale — it mixes some qualities of hefeweizens with a typical amber. Banana and caramel are the stars here — from the aroma and taste, but are quickly covered up by hops with each sip. The brew is very creamy for an amber, leading to a heavier mouthfeel than one would expect.


text: Mr. and Mrs. Donald Mogavero of Angola celebrated their 50th wedding anniversary with a family dinner at Russell's Steaks, Chops and More in Williamsville. A trip to Colorado is planned this spring. Mr. Mogavero and the former Diane Praczkajlo were married May 8, 1965, in Most Precious Blood Church. He retired from the Village of Angola. She is a retired office manager at Goya Foods in Angola. They have three children and seven grandchildren.


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2 bedroom Maisonette For Sale
2 1 1
All our viewings are assisted by experts,
so if you have any questions, we will answer them.
Save to shortlist Remove from shortlist
** NO ONWARD CHAIN ** Set in the popular Birch Hill area and only a short walk to local shops and amenities is the two bedroom maisonette. The property makes an ideal first time or investment purchase and offers features including:- 16ft living/dining room, modern kitchen with integrated appliances, re-fitted shower room, garage with light and power and parking available for one vehicle in front. There are also excellent transport links via both M3 and M4 motorways.
Entrance Hall
Open plan study area, side elevation double glazed window, stairs to first floor, tile effect flooring.
First Floor Landing
Doors to all rooms, access to loft, electric heater.
Living/Dining Room - 16'0" (4.88m) x 10'6" (3.2m)
Dual elevation double glazed windows, TV point.
Kitchen - 8'0" (2.44m) x 6'11" (2.11m)
Front elevation double glazed window, a range of eye and base level units with rolled edge work surfaces, integrated oven with hob and extractor hood above, integrated fridge and freezer, double sink with mixer tap over, part tiled walls, vinyl flooring.
Master Bedroom - 11'1" (3.38m) x 8'9" (2.67m)
Front elevation double glazed window.
Bedroom Two - 8'9" (2.67m) x 5'0" (1.52m)
Rear elevation double glazed window.
Shower Room
Rear elevation double glazed frosted window, shower cubicle with mixer shower unit over, pedestal hand wash basin with twin taps over, low level WC, fully tiled walls, tiled flooring, heated towel rail.
Located beneath the property with up and over door, light and power. One driveway parking space in front
Please note we have not tested any apparatus, fixtures, fittings, or services. Interested parties must undertake their own investigation into the working order of these items. All measurements are approximate and photographs provided for guidance only.
Save to shortlist Remove from shortlist


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Points To Consider When Choosing A Furnace Cleaning Company
It is usually quite rare for you not to find a furnace in a home. You will find that most homeowners rarely pay attention when it comes to the maintenance of the furnace. In order for your furnace to always work well and be in good condition, it is usually important for someone to ensure that it is thoroughly cleaned once in a while. A clean furnace will always be of use to you, and it will save you a lot of money that you would have used in repairing it as it will rarely get damaged. At the end of the day you can be certain that if you hire a well-experienced company to clean your furnace, you do not have to worry about it getting damaged because it usually quite complicated when it comes to cleaning it, and it tends to need a professional to work on that.Always ensure that you find a good company that you can trust with the cleaning, and it has a good reputation when it comes to cleaning a furnace. Below are some guidelines that will help you when selecting a good furnace cleaning company.
When choosing a furnace cleaning company, it is usually important that you ensure that you choose a company that is quite affordable in the industry. In the industry, you will find some companies are quite expensive than others, therefore, it is usually up to you to choose a company that you can be able to afford. You might be surprised to find that companies which are quite affordable are the ones which provide better service than the ones that are expensive.It can be quite unfortunate if you end up straining yourself financially if you end up seeking the Lindsay's best furnace cleaning service of a company that is way too expensive while else you can find a company that their charges are a bit low. People are usually encouraged to budget as it is usually useful as it tends to guide someone quite a lot when it comes to their finances.
It is usually rare for someone who has a budget to end up going broke because at the end of the day they usually know their limits in terms of their expenditure. You should ensure that you always try and negotiate the price with the company and you might be surprised to find that there are some companies who are willing to lower their price so that they can satisfy their clients. Such companies are usually the best and if you realize that the company you wanted cannot lower their price even just a little bit, you can always choose the Lindsay's best rated furnace cleaning service of another company at the end of the day.


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16 Thoughts Girls have while doing their Makeup
Let's face it ladies, makeup is an art form. And as artists, a lot goes through our heads while working on our masterpieces.
So, whether you're an amateur makeup user, or a full-on beauty guru, here are some of the thoughts that nearly every woman has had while during her makeup.
1. Ugh. I forgot to wet my beauty blender again.
I just sat down, and now I have to walk all the way over to the sink. Sigh.
2. Why did I spend $45 on this primer?
Why is makeup so EXPENSIVE?
3. Does this foundation match my face?
4. Omg, I need to pop that zit.
5. Omg, WHY did I pop that zit?
I am gonna need SO much concealer.
6. When was the last time I washed these brushes?
Do I even want to know?
7. Is contouring different from bronzing?
I should probably know this stuff by now.
8. Oooh, maybe I'll try to follow a fun makeup tutorial.
This shouldn't be that hard.
9. Okay, this eyeshadow is actually way harder than it looks.
10. Okay, this time, I'm totally gonna nail this winged eyeliner.
11. Ugh. Why do I even bother?
12. My eyebrows are definitely uneven.
My eyebrows are sisters, not twins.
13. Can I pull off a bold red lip? Or can only Taylor Swift do that?
14. Highlight? Yes please!
Get that GLOW, girl.
15. Does setting spray even work?
This literally just feels like water.
16. Well hello gorgeous ;)
There she is. Missed you, sis!


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|Cambridge, Boston Area (Ames Street)
Studio Apartment, USD 3290/month
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*Price varies by duration of stay:
12+ month lease: $3,290* / mo
6 to 12 month lease: $3,490* / mo
2 to 6 month lease: $3,690* / mo
1 to 2 month lease: $3,990/ mo
* Prices quoted are applicable only if billed upfront for the entire duration of the contract. Rates are up to 9% higher if billed monthly. Prices are exclusive of any taxes or utilities.
Feel at home wherever you choose to live with Blueground. Youll love this stylish Kendall Square furnished studio apartment with its modern decor, fully equipped kitchen, and comfortable living room with great high floor views. Ideally located, youre close to all the best that Cambridge has to offer! (ID #BOS35)
Designed With You In Mind
As with any Blueground apartment, youll find a thoughtfully designed space complete with beautiful furniture and a fully-equipped kitchen in this studio property. And, thanks to our pillowtop mattresses, luxury linens, and towels, you can relax knowing youll always feel comfortably at home. When youre ready for some fun, you can take in the Cambridge vibes or bring the entertainment to you with the premium wireless speaker or smart TV. This apartment also offers in-apartment laundry.
Building amenities unique to this studio apartment include an on-site:
-Pet Friendly
-Bike Storage
Arrival And Ongoing Support
The entire apartment is yours to enjoy! Youll either be personally greeted by a Blueground team member or given self check-in instructions.
Throughout your stay, youll have access to our Client Experience team through the Blueground App. You can schedule additional cleanings, submit maintenance requests, and view our neighborhood recommendations with just a few taps.
Well share all details upon confirmation of your stay.
Ideally Located
This furnished apartment is situated on Kendall Square at the intersection of Main Street and Broadway. The area hosts MIT and a variety of co-working spaces and incubators, ideal for bright easy going minds. It is home to a cutting-edge tech community and has thus become one of the worlds most important tech and biotech centers. Farm-to-table restaurants and third-wave coffee joints have also found their places around this startup culture. The Cambridge neighborhood, which is a top destination for shopping, is centered around Kendall Square. The Kendall transit stop is only a 4-minute walk away via Main Street.
A Few Things To Note
Building amenities may have an extra cost.
This Blueground apartment can be booked for a minimum of one month, to a year or more.
Our pet policy outlines the weight limit and breed restrictions, along with related fees.


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Download the useful, Kirk Rice App.
It is packed full of useful tools including tax tables, expense receipt management system and GPS mileage tracking tool.
Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.
Please complete this form to request an initial appointment at our cost.
The Lifetime Allowance (LTA) is changing in April 2016 and there are some important changes. In this blog, we take a look at the most important aspects.
This blog provides only a brief overview of the Lifetime Allowance, the changes due in April and the potential considerations for those affected to consider. There is a lot more detail that we cannot cover in this short article. Therefore, if any of these issues affect you, contact us and we will be able to provide more specific guidance for your particular situation. Pensions and Tax rules are constantly changing and there will be another budget in March where we may see further changes. It is vitally important therefore that you get detailed and tailored advice.
Listen to the audio version of this blog:
What is Lifetime Allowance?
Lifetime Allowance is the amount of Pension Fund that you can accumulate without incurring a Lifetime Allowance Tax Charge. Pensions are tested against the Allowance at the point you take them or age 75 at the latest. There are also circumstances where your Pensions may be re-tested against the Allowance.
The LTA was originally introduced in 2006. At that time it was a generous £1.5 Million and it was set to increase over time. Initially it did just that, reaching £1.8 Million in 2010. At these levels it did not trouble too many people.
However, in 2012 as part of the Government Pension Reforms the Lifetime Allowance was reduced to £1.5 Million and, in 2014, it reduced again to £1.25 Million. In April of this year, we will see a further (and hopefully final) reduction back to £1 Million. At this level, it will impact a lot more people especially those in Final Salary Pension Schemes.
What is the impact of exceeding the Lifetime Allowance?
If your Pension is over the LTA, the excess is subject to the LTA Tax Charge. The Tax Rate is dependent on how it is taken; A Lump Sum is taxed at 55% whereas income is taxed at 25%. On the face of it, the income option appears to be more tax efficient. However, it is then subject to Income Tax, at your marginal Rate. If you are a 40% Tax Payer the overall Tax equates to 55% – so lump sum or income makes no real difference. However, if you are a Basic Rate Tax Payer the overall tax equates to 40% and, in this instance, the income option is more tax efficient.
One final point to be aware of is that it is not possible to take a Pension Commencement Lump Sum from any amount over the Lifetime Allowance. It is all taxable. The Pension Commencement Lump Sum was formerly called the Tax Free Lump Sum. This is usually 25% of the fund value.
What can be done to minimise the impact of the drop in the Lifetime Allowance?
When the LTA previously reduced, the government recognised that some Pension savers would be affected and they put in place 'protections' for which individuals could apply. The finer detail of the protections available for the April change are not known at the time of writing this blog. Broadly, they are expected to be similar to those offered in 2014. At that time there were 2 protections; Individual Protection 2014 and Fixed Protection 2014.
Individual Protection 2014 could be applied for and indeed still can be applied for until April 2017. To qualify for this, your Pension needed to have a value as at the 5 April 2014 of more than £1.25m. Your individual Protection would then be the value as at the 5 April 2014. If for example your Pensions were worth £1.4 Million on this date, this would be your Lifetime Allowance. The maximum Individual Protection 2014 allowable is £1.5m as this was the LTA prior to the reduction in 2014. The main advantage with Individual Protection is that Contributions, or in the case of a Final Salary Pension Scheme, Relevant Benefit Accrual can continue. If you have not done so already you should get a valuation of your Pension as at the 5 April 2014 as you may be eligible for Individual Protection. You have until the 5 April 2017 to apply.
Individual Protection 2016 will be available to anyone with a Pension worth over £1m and the maximum Individual Protection will be £1.25m. This will be based on the value of your Pensions on 5 April 2016. Once again, contributions and relevant benefit accrual can continue. Registration for Individual Protection 2016 can be done online from July 2016 and apparently there is no deadline.
Fixed Protection 2014 had to be applied for by 5April 2014 and so we won't dwell on this in this article. Fixed Protection 2016 is available to anyone (unless they have applied for previous protections). This will fix their LTA at the current £1.25 Million. But contributions or Benefit Accrual will have to cease by 5April 2016. If they do not, or if contributions are restarted at a later date, Fixed Protection 2016 would be lost. Savers would revert to the standard Lifetime Allowance.
Registration for Fixed Protection 2016 can also be done online from July 2016 and there is also no deadline which is great news. However, please remember Contributions MUST cease by the 5 April 2016 and, if you are in a Final Salary Pension Scheme, you will need to opt out by then also. Anyone considering this should get advice first. You can contact a Kirk Rice Pension adviser here.
For those not who are not eligible or want to continue paying into a pension please read Part 2 of this blog: Lifetime Allowance Changes – Your Options.
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She's a fearsome competitor out on the course but jockey Kirsty Milczarek has another battle on her hands... to win over the sexists in the stands.
At only 23, she is the first female jockey to win three races in one day and saddled an incredible 10 winners in the first 10 days of 2008.
Yet there are still plenty of punters who can't understand why a woman is out there racing at all.
Kirsty says: "Last month I had just won a race and some bloke shouted at me, 'If you were mine I'd keep you at home making babies.'
"I just smiled and said through gritted teeth that there was time for babies later.
"It does make me angry but I can't bite."
Kirsty, from Newmarket, Suffolk, is one of 15 top female jockeys currently racing in the sport.
"We all get it every day," she says. "The girls will come back after a race with stories of what a punter has said.
"Still, 10 or 15 years ago it was tougher for female jockeys like Emma O'Gorman.
"Less than 10 years ago there was still a lot of sexism among trainers, too. They didn't think girls were strong enough to be good jockeys, or didn't think we could get the most out of the horses. The best rides would go to the lads. That's changing now.
"On the right horse I can beat anyone, male or female."
Last year she beat Frankie Dettori and has taken home more than £171,000 in winnings.
On the circuit her nickname is "Milkshake", because her Polish surname - a legacy from her paternal grandfather - is a mouthful. And the Milkshake has a hectic few days coming up. Today she races at Wolverhampton, tomorrow at Lingfield and Wolverhampton, and on Sunday at Kempton.
That's just part and parcel of the life she has worked hard for since a young age.
"My grandfather Ted, my mum and my aunties all had horses and I was a member of the British junior showjumping team by the age of eight," she says.
"I dropped out of school at 14 to focus on showjumping and my parents employed a home tutor.
"I passed eight GCSEs but I suppose I missed out on the usual teenage school life. It was good though, because it showed me hard work and taught me dedication."
But just as Kirsty was reaching the top of her game, showjumping was dropped from TV and sponsorship deals were pulled.
Kirsty had to watch richer competitors like Zara Phillips go on to take part in the world championships and the Olympics while she was forced to sell her horses.
"Without the cash I just couldn't afford to continue," she says. "It costs £10,000 to take one horse abroad and you need to take 10. My parents aren't millionaires. My mum's a nurse and my dad's an engineer. Friends had families who were remortgaging their homes to pay for them, but I knew that I couldn't ask my mum and dad to do that."
Kirsty was devastated that she had to turn her back on the sport she loved.
"I just felt empty when I couldn't jump anymore," she recalls. "I'd had enough of horses and I decided I didn't want anything more to do with them."
She says her parents John, 51, and Elaine, 49, couldn't have been more supportive. "They divorced five years ago but they've been behind me from the start," she says.
"After I finished showjumping my mum helped me to get work at her hospital, where my sister Nikita works too, but I hated it.
"I couldn't stand being stuck inside all day and I only lasted a few weeks.
"It was my grandad who gave me the kick up the bum I needed and told me to get some work riding out."
Riding out, or exercising a trainer's horses, led to Kirsty applying for her jockey's licence in June 2005.
Since then her career has gone from strength to strength and she is currently the leading apprentice of the 2007/2008 season.
She stands to collect £6,000 if she wins the all-weather apprenticeship.
And she's well on her way to even bigger paydays in the future. Apprentices need to have ridden 95 winners to be released from their contract to a trainer, who takes half of their winnings while they are still training. Kirsty has 60 wins under her belt and wants to make 95 within the next 12 months.
So does the profession they call the "sport of kings" have its fair share of glamour?
"People think it's like a Jilly Cooper novel with girls rolling round in the hay with the male jockeys," she laughs.
"I've never seen that, I'm always too busy racing!
"I work bloody hard. I haven't got time for a boyfriend, I get up at 5.10am, race all day and I'm rarely in bed before midnight."
She drives hundreds of miles a week to race at courses around the country and once managed an exhausting 11 rides in one day.
"I have to really watch my weight and I like to stay around 7st 12 lbs," she says.
"I'm naturally tiny, I've only got size three feet, but it's a pain when I have to refuse a meal out because my weight has to be down for the next day.
"It's all worth it, but I do crave carbohydrates and red meat.
"My friends are mostly from racing or showjumping but I don't feel like I'm missing out on going clubbing or drinking.
"I've never really been into that anyway and there's no way it would fit in with my racing."
But despite her exhausting timetable she loves her sport - despite the ignorant comments from old-school punters.
"It was hard to start again at the bottom of the pile in racing," she says.
"But I've been to the top before and I'll do it again."
Lester Piggott, 72 had 4,493 career wins. He retired in 1995 and the annual jockey awards, The Lesters, are named in his honour.
Frankie Dettori, 37, (left) is the housewives' favourite, he has ridden 2,770 winners to date. Born in Milan he won the "magnificent seven", all seven races in one day at Royal Ascot in 1996.


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Bitte beachten Sie: Die Kauf-Funktion hier im alten Shop wurde deaktiviert.
Ihre Vorteile:
More closed than when I tasted it earlier this year, the 2010 Cote Rotie Chateau d'Ampuis is an incredible effort that's made from 93% Syrah and 7% Viognier. Coming from the estate's top sites and aged 38 months in new oak, it has no problem standing beside the top three single-vineyard releases. Crème de cassis, vanilla bean, smoked meats and licorice all flow to a full-bodied, beautifully concentrated, structured Cote Rotie that needs another 5-6 years of bottle age, but will keep for 2-3 decades.
The father/son team of Marcel and Philippe Guigal continue to keep their estate at the top of the hierarchy in the Rhône Valley. All the way from their inexpensive Côtes du Rhône to their top-end Côte Rôties and Hermtiage, the attention to detail and focus on quality is unmatched. Readers should also check out the recent Rhone Retrospective article I wrote that covered the Saint Joseph Vignes des Hospices, Côte Rôtie Brune et Blonde, Côte Rôtie Chateau d'Ampuis and Côte Rôtie La Mouline cuvees going back for over a decade. I said it there, and I'll say it again here, this estate is producing some of the most incredible and singular wines in the world. "Everything looked so promising in September, also the yields which we really need after all the investments we have made and are still doing. But the rain caused a quickly spreading onset of botrytis and the berries shriveled rapidly, almost like in 2006. We started picking already on October 10, but we had to select extremely carefully. It was the most expensive harvest I did in 30 years but the wines finally reflect all the work we have invested." I don't know of any Mosel, Saar or Ruwer producer who picked his Auslesen as late as Molitor did. Except of the Wehlener Sonnenuhr Auslese *** (which was picked 31 October) all the other two and three-stared Auslesen were picked between November 1 (Zeltinger Schlossberg Auslese ** and Bernkasteler Lay Auslese **) and 7 (Graacher Himmelreich Auslese ***)! Molitor has also selected a BA in the Zeltinger Sonnenuhr and six TBAs in 2013. The wines were not ready in January but I will taste them in March as they are now ready for bottling. I will also taste Molitor's 2012 vintage then which has so far not been rated in the Wine Advocate.
The 2010 Cote Rotie Chateau d'Ampuis is an off-the-hook effort that easily competes with the more expensive single-vineyard releases. Seamless, gorgeously pure and seriously concentrated and full-bodied, it's an insanely gorgeous Syrah offers layers of creme de cassis, vanilla bean, creamy licorice and smoked meat aromas and flavors. Still a baby, it needs to be forgotten for 4-5 years, at which point it should offer another two decades or more of longevity. Don't miss this beauty!
One of the reference point estates for top quality wines in the world today, the family run Guigal operation was created in 1946 by Etienne Guigal. Today, Etienne's son, Marcel, and his son Philippe, are firmly in control here, and are without a doubt producing some of the most singular, sought after wines in the world. Due to the size of this tasting, I'll keep my comments short, but the incredible quality coming from this operation is astounding, and a tasting here is always one of the highlights of any trip through the region. Furthermore, while a lot is said about the extended oak aging regime here, I don't know anyone who tastes mature examples of these wines on a regular basis that still has any doubts about the genius going on here. In short, these single vineyard (and their blends as well) Cote Roties are some of the greatest wines money can buy. For this tasting (which, with the Guigals, is always a large one!), we focused on their Saint Joseph Vignes des Hospice release, and then three of their Cote Roties, starting with the classic Brune et Blonde, then the Chateau d'Ampuis, and finishing with their single vineyard La Mouline.
Looking first at their Saint Joseph Vignes des Hospices release, it comes all from the incredibly steep (and picturesque) vineyard perched just above the town of Tournon. The exposure here (which is critical for Saint Joseph as the more southern facing the plot, the warmer the site is) is mostly east facing and the soils are pure granite (identical to the decomposed granite found in the Les Bessards lieu-dit on Hermitage Hills). Compared to the Saint Joseph lieu-dit, which has a slightly more southern exposure, harvest here is always 5-7 days later.
Moving north to Côte Rôtie, the Guigal's Brune et Blonde is their entry level release that comes from a mix of vineyards, most of which are estate. It drinks beautifully on release and has a solid 15-20 years of longevity in top vintages.
Stepping up over the Brune et Blonde, the Cote Rotie Chateau d'Ampuis is named after the Chateau d'Ampuis estate (which lies in the town of Ampuis, right up along the Rhone River, and was purchased by the Guigal's in 1995) and is a blend of their top estate vineyards. Coming from La Garde, Le Clos, Grande-Plantee, Pommiere, Pavillon, Le Moulin and La Viria, it spends close to four years in new French oak (handled just like the single vineyard releases) and there's roughly 30,000 bottles produced in each vintage. While the single vineyard releases get all the buzz, this is isn't far behind in quality, especially in recent vintages, and can represent an incredible value.
We finished the tasting with a vertical of La Mouline. One of the three single vineyard Cote Roties produced, this cuvee comes all from the La Mouline lieu-dit that's located in the more western (close to the middle actually) side of appellation. For simplicities sake, you could say it's in the Cote Blonde part of the region, but in reality, Cote Rotie is much more complex and diverse. Due to its exposure, this vineyard is always the first of the three single vineyards to be harvest, and also contains some of the oldest vines on the estate. Fermented using pump overs (as opposed to punch downs for the La Torque and submersion cap on the La Landonne), it's cofermented with varying degrees of Viognier, which in most vintages, ends up being around 10% of the blend. Like the Chateau d'Ampuis and the other two single vineyard releases, it sees close to four years in 100% new French oak, of which every trace integrates after a few years in bottle. It's always the most approachable of the single vineyard releases, and is ready to drink at an earlier stage. For example, the 1999 La Mouline is gloriously mature, while the 1989 La Torque is still an infant. Nevertheless, as the 1978 reviewed here attests to, it has no problem evolving for decades (although I don't recommend holding bottles that long). In short, this was a flight of Côte Rôties I'll not forget anytime soon!


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How to Stand in Your Purpose-Part 2
Step 2 - Breathe
Now, let's be clear: Step 1 is still in play here and always will be. By the way...if you didn't read Part 1, you probably want to check that out here before you read on. I should give you a little background info before we get back to where I left off last time. At this time in our lives we were living with Mom and Dad. Just what every 35 year old wants in life. I know now, it was one of the greatest blessings of my life. Funny how the universe works.
Life was moving along. We were saving money to build our dream home some day. We were a family of 5 and we were go-go-go. Then, Dad started to get back pain. The doctor told him he pulled a muscle at the gym or maybe he just needed a new work chair. He knew it was something more. I remember sitting with him at home and he said, "I know I didn't just pull a muscle. I know it's something inside and it's not good." So, he went for more tests. They found it right away when they did a scan. On September 9, 2014 we all gathered at home and we knew. He had the final stages of pancreatic cancer and it had moved to his liver. They gave him 3 months to live.
This is when I learned to breathe. What else can you do? Go crazy or breathe. I did a little of both but tried to stop and take a breath when I could. Am I really going to let my kids live here and watch their beloved Papa die?! Breathe. Am I just going to leave my mom to go through this alone?! Breathe. Why did we have to move in and allow the kids to get even closer to him?! Breathe. What will we do when he dies?! Live here forever?? I can't leave Mom alone, but my kids need stability!! Breathe. I learned that the answers are there you just have to let go of control and just be.
Dad died exactly 3 months later on December 9, 2014. My mom was holding him in her sleep when he passed. The last thing I said to him was, "I love you, Dad. Thank you for everything." That sentence meant so much: thank you for loving me, thank you for being such a fun, crazy, sarcastic guy, thank you for my childhood, thank you for loving my kids and being the best Papa they could ask for. From that moment on, life would never be the same.
Through all of this, I came to the realization that I had worked so much on the outside of my body...now it was time to focus on the inside. So, I read...a lot. The book that really changed it all for me was "A Return to Love" by Marianne Williamson. What a beautiful book!
How do you make that miracle happen? Stop and breathe. We have so much power in our minds and we can choose every minute of every day how we want to feel about any given situation. I continued to read and attended a couple life changing retreats hosted by the incredible Jodie Rodenbaugh. The most important lesson I learned at the retreats was that there's enough to go around. There's enough beauty, enough love, enough success, and enough money for everyone. This was huge to me. I realized I was in competition with people instead of realizing we all have gifts to give and we all give them in our own beautiful way. One person's success does not limit my success. It really was like a switch. I left that retreat a changed woman ready to spread some love.
I was learning to get in the flow for sure. I still didn't know who the hell I was or what my purpose here on Earth was...but I knew I was getting closer. I felt a shift. I started feeling stuck in my box at work and knew I couldn't continue with my secure teaching job if I wanted to grow into who I was meant to be.
One day I took a deep breath and it all made sense...


text: Hermia & Helena: A Shakespearean Mirror of the Present August 1, 2019 Melinda Prisco Hermia & Helena, Matías Piñeiro (2016) // Presented as part of August's Visions from the South of the World Series // Matías Piñeiro / 2016, Locarno, BFI London, FICUNAM, Ghent, Jeonju, IndieLisboa, Istanbul International Independent Film Festival, Mar del Plata, Maryland, Melbourne, New York, NYT Critics' Pick, Rotterdam, Rio de Janeiro, San Francisco, Thessaloniki, Toronto, Vancouver, Vienna / 87' WATCH FILM Camila, a young Argentine theater director, has been recently selected to participate in an artist residency in New York. Leaving her boyfriend and loved ones behind, she travels to the big city, hoping to mount a Spanish version of A Midsummer Night's Dream onstage. Yet soon Camila finds herself distracted by memories of Buenos Aires, a fling with the residency's administrator, and a strange epistolary relationship with Danièle, a recent graduate of the program. Across languages and continents, and immersed in the ever-conflating realms of life and art, Camila discovers new resonances in Shakespeare's formulations of friendship, affection, and love. Blending the whimsy of youth with the jocular cadences of theatrical text, Hermia & Helena weaves an ever-expanding web of relations entangling a young woman as she comes into her own. Matías Piñeiro's fourth feature film premiered at Locarno, IndieLisboa, Rotterdam, Mar del Plata, New York and Toronto, and is a New York Times Critics' Pick. Trailer WATCH NOW Press "Piñeiro's most inspired and thrilling work to date, exhaustive in its means of keeping the viewer off balance and yet rich in its emotional implications"- Carson Lund, Film Review, Slant Magazine "Piñeiro's camera also has a remarkable way of seeming fixed but active, like an engaged spectator who knows the lyrical pull of a wide pan across the city or an inserted close-up of a hand or a flower or room detail, and even how to turn superimposed handwritten text into jolts of whimsy. For discerning moviegoers, the affably disorienting Hermia & Helena might just be the right kind of midsummer night's dreaminess"- Robert Abele, Film Review, Los Angeles Times "Hermia & Helena… begins with a nearly four-minute tracking shot. What's even more impressive is how unshowy it is. The shot is a tour de force, yes, but it seems as natural as breathing. That's how the gifted young Argentine writer-director Matías Piñeiro makes his movies, in a style that seems casual and feels sure-handed—casual and sure-handed being about as good a combination as artistry, in any medium, has to offer"- Mark Feeney, Film Review, The Boston Globe "Matías Piñeiro's Hermia & Helena is a sunny Shakespearean pleasure"- Abbey Bender, Film Review, The Village Voice"Bits of Shakespeare's text and possible Spanish equivalents appear occasionally onscreen and there's also a short by Gregg that's made from footage of a 1941 black-and-white film with a voiceover based on Du Maurier's Rebecca that's spliced in, though the film's overall tone is never too academic or intellectual. Indeed, aided by a jazzy, piano-driven score, Piñeiro manages to keep things light and airy, especially for the film's first half"- Boyd van Hoeij, Locarno Review, The Hollywood Reporter "A Shakespearean in love: Argentine Matías Piñeiro takes his deftly modern plays on the Bard to New York with this Rohmeresque study of a young woman's fancies… Allusions are poetic and playful rather than literal, though Camila's job does extend an opportunity for intertextuality, and to hear a few passages in both English and Spanish. The Dream is just a peg on which to hang another of Piñeiro's gentle ruminations on fickle affections, bohemian life, art and experience. There's an affinity here with navel-gazing North American independents, but few of his US counterparts can match the elegant, fluid camerawork of DP Fernando Locket or Piñeiro's subtle revelation of gradations of feeling—comparisons with the apparently hermetic but acutely curious and emotionally refined cinema of Hong Sang-soo and Eric Rohmer are more appropriate"- Tom Charity, BFI Review, Sight & Sound "There are endless ways to adapt Shakespeare to film, but it's safe to say nobody's doing it today with greater innovation than Matias Piñeiro"- Eric Kohn, Locarno Review, Indiewire "Piñeiro keeps the action swinging freely between New York and Buenos Aires with bold subplots and puckish flashbacks, the shimmering mysteries of tenuous friendships and the breathless melodrama of family secrets. Filming cityscapes and intimate gestures with avid attention, adorning the dialogue with deep confessions and witty asides, Piñeiro conjures a cogently realistic yet gloriously imaginative vision of youthful ardor in love and art alike"- Richard Brody, Film Review, The New Yorker "[A] peculiar film, one both steely and delicate"- Glenn Kenny, Film Review, The New York Times "Friendships, family ties, and romantic attachments likewise form haphazardly and dissolve at a touch... What knits this parade of conversations and encounters together are Piñeiro's rapport with his actors, his eye for telling peripheral details, and his skill at sketching out a coherent space within even the most casual composition"- Max Nelson, Film Review, Film Comment Gallery WATCH FILM If not yet a member, subscribe now for a 30-day free trial. $4.95/month thereafter.


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