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11/1/2008, "Directo a Mexico helps customers join the financial system," Federal Reserve Bank of Minneapolis, Michael Grover, Jimmy Nguyen
"The Directo a Mexico remittance service could have two major benefits: helping financial institutions in the U.S. compete more effectively in the money-transfer market, and increasing the number of Mexicans who use the mainstream banking system"...
"Recently, financial service providers have developed alternative strategies for lowering the cost of remittances for Mexican workers in the U.S. One alternative is the Directo a México® initiative sponsored by the Federal Reserve Banks and Banco de México, Mexico's central bank. The principal aim of the initiative is to help financial institutions in the U.S. compete more effectively in the remittance market. Financial institutions in the U.S. that offer Directo a México generally charge lower transaction fees than the big MTOs charge. As the initiative gains ground and market share, its fee structure has the potential benefit of increasing the amount of money families in Mexico receive from their relatives in the U.S....
A cross-border partnership
In 2001, Banco de México and the Federal Reserve Banks agreed to study the possibility of linking the two countries' payment systems by creating an efficient, interbank mechanism that would be available to all financial institutions in both countries. The service was proposed to improve access to the payments system network for financial institutions on both sides of the border. It also aligned with the Federal Reserve Banks' mission to ensure an efficient, effective, and accessible retail payments system. From this partnership, the FedACH (Federal Reserve Automated Clearinghouse) International® Mexico Service, now known as Directo a México, was created in 2003. Marketing of the new service to financial institutions in the U.S. began in the summer of 2005.
The main selling points of Directo a México to U.S. financial institutions and the Mexican-American customers they serve are the service's security, speed, and low cost. Directo a México lowers the cost of sending a remittance in two important ways. First, financial institutions can make money transfers through the service with a very low, per-item surcharge of $0.67. Second, the service offers a competitive exchange rate for converting dollars into pesos, regardless of the amount transferred, that is generally lower than the exchange rate charged by MTOs. For example, the Federal Reserve Banks estimated that the service would save 55 pesos (approximately $5) on a $350 remittance transfer, in comparison to the fee charged by a typical MTO.5/
While financial institutions charge an add-on fee to their customers for using Directo a México, the overall per-transaction cost of the service is generally at or below $5, or roughly half the total fee charged by most MTOs.6/
One of the key requirements of the program is that both the sender and receiver of the remittance need to have a bank account. Bank-to-bank transfer services are a more secure method of transferring money across the border than informal means such as the mail. Additional advantages of using the service include the ability to automate recurring transfer payments and the fact that money is available to recipients in Mexico on the next banking day. In addition, the Directo a México program helps financial institutions overcome the English-Spanish language barrier. The service provides Spanish-language promotional templates for brochures, pamphlets, and other marketing materials that enrolled U.S. financial institutions can use.
One challenge for Directo a México is that the market for bank-to-bank transfers may be limited by the relatively small proportion of households in Mexico with bank accounts. Several studies suggest that roughly 30 percent of Mexican households have bank accounts, compared to roughly 64 percent7/ in the U.S.
To help overcome this hurdle, the Federal Reserve Banks and Banco de México collaborated with BANSEFI, a bank owned by the Mexican government, to create the Beneficiary Account Registration (BAR) web site. The site allows financial institutions in the U.S. to generate an 18-digit bank account number, also known as a CLABE, at a BANSEFI branch. The financial institution can use Directo a México and the CLABE to transfer funds from the U.S. to Mexico. The web site enables originating financial institutions in the U.S. to initiate a Mexican bank account at any of BANSEFI's branches, which are typically located in rural and low-income areas throughout Mexico. The beneficiary must then go to the BANSEFI branch, or its affiliated financial institutions, with proper identification to formalize the account. The BAR web site promotes financial inclusion by encouraging the otherwise "unbanked" Mexican citizen to open a bank account and participate in the country's financial system.
One credit union's storyTo date, more than 380 financial institutions in 42 states have enrolled in Directo a México, compared to just six institutions when the service was launched in 2004. In the Ninth Federal Reserve District, 29 institutions have signed on. The earliest adopters include St. Paul Federal Credit Union, Franklin National Bank, Bank Cherokee, Arcadia Credit Union, and Royal Credit Union.
According to Elizabeth McQuerry, assistant vice president of the Retail Payments Office at the Federal Reserve Bank of Atlanta, the prevalence of credit unions on that list is no surprise.
"Directo a México is a natural fit for credit unions, because they are community-focused institutions that work to build and maintain strong relationships with their members. They also tend to be physically located in the neighborhoods of their member base."
Of the 29 Ninth District institutions that have adopted Directo a México, St. Paul Federal Credit Union (FCU) in St. Paul, Minn., is the market leader in terms of the number of members using the service and the average dollar amount of their transactions. At present, approximately 70 customers use the St. Paul FCU Directo a México service, making a total of 30 to 40 remittance transfers a month and averaging about $600 per transaction.
St. Paul FCU officially kicked off its Directo a México service in July 2007 at a ceremony attended by 200 community members and officials, including representatives from the The Consulate of Mexico in St. Paul, the Mexican government, Banco de Mexico, the Federal Deposit Insurance Corporation, the Federal Reserve Banks of Atlanta and Minneapolis, Caja Morelia Valladolid (a Mexican credit union), and Minnesota elected officials.
According to St. Paul FCU Branch Manager David De Santiago, encouragement from the consulate played an important role in his institution's involvement in the program.
"The Mexican consulate helped identify that most of our money transfers in the St. Paul area are to one particular city in Mexico, the city of Tarímbaro. It also identified the credit union branch that most of the beneficiaries use in Tarímbaro, which is Caja Morelia Valladolid. St. Paul Federal Credit Union shared this information with BANSEFI, and BANSEFI in turn added Caja Morelia Valladolid to the BAR web site and initiated a networking relationship between the two institutions."
Thanks to the Directo a México promotional templates, St. Paul FCU is able to market the service using monthly newsletters, colorful brochures, and press releases. The credit union charges a flat fee of $3 per remittance, regardless of the amount transferred. Since it began offering the service, St. Paul FCU has seen Directo a México serve as an entry product that enables customers to move into a fuller, traditional banking relationship. According to De Santiago, "Directo a México is a useful tool to pull in customers, but it is up to us to keep them as customers and introduce them to all the other traditional products the credit union has to offer."
Since the inception of Directo a México, participation in the service has steadily climbed. Now, more and more financial institutions are expressing an interest in entering the remittance market.
According to McQuerry, "We've seen significant increases in payments volume since the creation of Directo a México, and new depository financial institutions sign up to participate in the service every month. Including government items, Directo a México has processed more than 1.3 million items to date, with zero payments lost."
Still, the true test of the service lies ahead. One of the key challenges for Directo a México will be to gain market share against the more established remittance providers, like Western Union and MoneyGram. It also remains to be seen whether the new service will increase the number of Mexicans and Mexican-Americans who leave the ranks of the unbanked. Early evidence suggests that as word of the new service spreads and more financial institutions sign on, the potential benefits of Directo a México may indeed be realized."
"For more information on Directo a México, visit www.directoamexico.com. Jimmy Nguyen served as a Community Affairs intern at the Federal Reserve Bank of Minneapolis in the summer of 2008. He is currently pursuing a bachelor's degree in finance and economics at the University of St. Thomas."


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Coup d'etat at Dealey Plaza
They say there's no "smoking gun" documents among ths still secret government records on the assassinatoin of President Kennedy, though a number of smoking documents have been released under the JFK Act - the Higgins Memo for one.
In the seaach for a reasonable scenario to explain everything that happened on November 22, 1963, the deranged lone nut case can be dismissied since it can't explain how one man Lee Harvey Oswald was capable of committing the act alone, and the evidence and witness testimony confirm that Oswald was not on the sixth floor at the time of the shooting.
The original Phase One Covver Story - that Castro Cuban Communists were behind the Dealey Plaza operation is also dismissed, based on the evidence, witnesses reports and the National Security Agency (NSA) intercept of Cuban and Soviet communications.
That this psychological warfare operation - a black propaganda operation is still in effect indicates that the intelligence network responsible for the Dealey Plaza operation is still finctioning, as exhibited by the works of Brien Letell, Robert Baer and Phil Shenon.
Other scenarios have been suggested - that the assassination was a plot by renegade CIA officers and the Mafia, which is still proposed by some - ie. G. Robert Blakey, Gary Cornwell, et al., though that too has its problems.
Michael Paine's mother - Ruth Forbes Paine Young was involved in extablishing a special training unit at the United Nations that placed young diplomats in various scenariois they could face in real life, and the US military trains its soldiers in field sccenarios to see how they will act and train them to do it correctly, or at least do it the way the generals want them to do it.
During the Cuban Missile Crisis, Attorney General Robert Kennedy asked Secretary of Defense Robert McNamara to come up with a solution that wouldn't lead to invasion or war, and McNamara said that when they ran military scanarios of Soviet missles in Cuba months earlier, the solultion that worked was summarized in one word: Blocade. Which worked, much to the dismay of the military brass who pushed for invasion.
As I occassioinally help train soldiers, I know for a fact that they still use a Sand Table to plan missions. I watched an Op Force - Opposition Force team lean over an elevated Sand Table box with their team leader drawing a curve in the road and pointing to the apex as the place to attack as convoy slowed down. I'm sure those who planned out the Dealey Plaza opertion used even more complex models, practices and "dry runs" and controlled the situation completely, timed it to the second, as they only had a one hour window of opportunity.
There have been various phrases, matrix models and games used to try to explain what happened at Dealey Plaza - "a mystery wrapped in an enigma," saying its like "going into the Rabbit's Hole," ala Alice and "Through the Looking Glass," (Shenon), or a "Wilderness of Mirrors" (Angleton), whose criptic - "A house has many rooms. I am not privy to who shot John," still rings cryptically.
The French Intelligence chief said it was "like a magic trick, complete with smoke, mirrors and disaperaing sets," while the former Assistant Chief of Staff for Intelligence (ACSI) US Army, and NSA, said it was "Like the movie the Sting."
A Big Con job.
The Chess model is also popular, as some of the primary suspects called themselves "Bishop" (David Phillips) and "Knight" (E. Howard Hunt), and it is a peculiar anaomaly that a simple pawn like Oswald could take out a King, not only get him in checkmate so he can't make a move, but actually getting close enough to kill the King, blindsiding him. That's another good reason Oswald didn't commit the deed alone.
The anomally grows when considering the fact that if the president was killed by a deranged lone nut case, then the assassin would be posthumously subjected to deep psychological analysis - and that he would be classified as a paranoid skodso, or whatever, but he's not. Oswald was not crazy, even though the Secret Service study of assassins and attackers put him in that category.
When I read that report I looked for a unique category and when they didn't inlude it, being from New Jersey where we have developed criminal profiling into an art, I made one up - the Covert Operational Personality Profile (COPP), that is characterized by military training (usually USMC), fluency in foreign language, ability to travel,. and training and use of covert intelligence crafts and techniaues - including codes, ciphers and operational procedures.
While Oswald creates the mold for this matrix, it also includes some other well known COPP operatives - Jerry Patrick Hemming, Frank Sturgis, the Watergate burglers, Felix Rodregiez, the Oklahoma City bombers, as examples of the pawns in what they call "The Great Game" of covert intelligence opertions.
Without having really looked yet, most say there is no "smoking gun" in the still secret JFK assassination files, yet, if the assassintion at Dealey Plaza was not the work of a deranged loner, but was in fact a well planned and sucessfully executed coup detat, the evidence MUST be in the government filies - you just have to know where to look.
For starters, if it was a coup, an inside job - then they had to it by the book - the handbook - Edward Lutwack's "Coup d'etat - A Practical Handbook," (X), that explains exactly how to do it.
One of the key elements of any successful coup, according to Lutwack, is control of the communications - and if you look closely at who was controlling the communications into and out of Dealey Plaza and Air Force One you get a good idea who was running things.
In addition, a study of previous, simlair assassinations and coups would be a necessity, especially those involving the same MO - Modus Operandi - that of a sniper shooting a high priority target (HPT) moving in an open vehicle as the Nazi general was during World War II, the 1962 attack on President deGaul in France, and the CIA plans to attack Castro when he rode by in an open jeep.
Of course if they practiced covert operational techniques, then they would not have anything written down, operated on a need to know basis, and utilzed lines of authority that included "cut-outs" and case officers.
If it was a coup, as I suspect, then the evidence is in government files, and they won't be caughing it up despite the JFK Act ordered them to.
But the evidence is there, I know it.

subset: commoncrawl


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Businesses spend billions of dollar annually on shoring up their cyber security, yet even the best technology won't thwart hackers if employees aren't properly trained on procedures that can safeguard data.
Indeed, employees must be able to avoid a variety of cyber assaults, such as emails that are designed to spread malware and phone calls placed by hackers claiming to be technology workers who have legitimate reasons to need access to password-protected data. The bottom line is that a simple human error can result in a cyber breach that can lead to theft of clients' identities and substantial reputational damage to advisory firms.
With that in mind, advisory firms need to ensure that they have sufficient procedures for employees to follow in order to maintain Internet security. Firms should also ensure that workers are properly trained on procedures for safeguarding data and that security practices are part of a firm's culture. For small firms, providing such training can be a challenge—especially when considering that many firms lack sufficient security procedures in the first place.
Indeed, a National Cyber Security Alliance study concluded that 69% of small businesses handle sensitive data, yet only 37% provide Internet safety training to employees. Furthermore, just 23% have written procedures for Internet security.
Procedures should cover a variety of employee activities. One obvious step is to require that employees implement strong passwords for their computers and portable devices. The procedures should also specify that employees use encrypted protocols when emailing sensitive data and what actions to take when portable devices are lost. The loss of such devices is a critical issue as some cyber experts estimate that up to 10% of laptops and other portable devices are misplaced each year.
Most firms, of course, have firewalls and other technology that can filter out suspicious emails that may contain malware or may be phishing scams that seek to trick employees into providing passwords or other sensitive information. Yet, employees should still be trained on how to avoid being snared by such scams in the event that nefarious emails make it past firewalls.
Firms' procedures should also specify how employees should respond upon receiving telephone calls from individuals seeking passwords. Broadly speaking, such requests should be forwarded to technology employees or other workers who have had specific training on verifying the identity of callers before providing password information. Such procedures are crucial as telephone calls don't have to pass through firewalls. Procedures should also specify the type of Internet security programs that must be in place with firms' vendors to ensure that business partners don't become a weak link.
Firms should also implement a variety of practices that will make Internet security an integral part of their culture. For example, when conducting training meetings, firms should seek to generate interest in cyber security by asking their employees about the types of sensitive personal data that they may have on their home computers and the harm that could happen if their computers are hacked.
Firms should also consider producing routine newsletters or emails that discuss cyber threats and what employees can do to maintain data security. Making such communications a routine matter is important because many adults won't retain information unless they are exposed to it numerous times.
Firms should also consider testing their procedures. One way to do that is to have technology department employees call workers and claim they need individuals' password so that they can fix their computer. At that point, the technology workers can assess if employees follow the appropriate procedures for ensuring that callers' identities are appropriately verified.
Tech workers can also draft phishing emails and see which employees fall for the trick. Such practices will increase awareness of cyber scams while also identifying which employees may be the weakest link in a cyber defense program.
PMG360 is committed to protecting the privacy of the personal data we collect from our subscribers/agents/customers/exhibitors and sponsors. On May 25th, the European's GDPR policy will be enforced. Nothing is changing about your current settings or how your information is processed, however, we have made a few changes.
We have updated our Privacy Policy and Cookie Policy to make it easier for you to understand what information we collect, how and why we collect it.


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BOE to resurface parking lot between SHS/SMS
The small parking lot on the west side of Springfield High School will undergo resurfacing.
At the July 12 study session, the board of education contracted with Allied Paving to resurface the lot and sidewalk between the high school and middle school for $37,600 and $1,950, respectively.
To read more please log in or subscribe to the digital edition https://etypeservices.com/Welch%20PublishingID444/


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Thursday, 24 November 2016
In the pink...
well after all the lovely comments on yesterdays post and card I really am feeling in the Pink so why not share a Pink card.
This is another sample from Sunday and Mondays shows this time highlighting one of my favourite innovations from Sue Wilson the striplet collection. My blog family, especially Mrs Duck, will know my weakness for a striplet this one is the brand new timeless die used here to create this bright background.
I started by cutting the insert panel form the striplet into an piece of bright white foundation card three times to for a square. Next I used the centre strip ands the outline that matches it and cut this in white and backed it with pink foam mounting these in the centres of the background. I mounted the whole piece onto more of the Sherbet point card ( I'm not a pink person but this shade of Sherbet really shouts to me!
I then cut the Molly frame and take dies in sherbet twice, backed each one with white and cut one in half to give a shadow frame effect at the back. I stamped the sentiment, in watering can archival of course) onto a scrap of white and cut it with the centre oval form the molly set, mounting it in the centre.
Next I cut a series of the new Starflower die set in the pink and white, mounted the same size together offset and added pastel pink PVA in the centre ( there is a set of 4 pastel colours of the PVA dimensional on this weeks shows)
I finished the piece with vanilla PVA pearls this collection has so many places to put pearls its amazing.
This card will be a demo on Mondays shows so tune in to see how it was made.
36 comments:
Morning John, an absolutely stunning card love all the striplets too and this colour of pink is gorgeous.ReplyDelete
Nancyd xx
Hi johnReplyDelete
what a stunning card love the colours and the dies thank you tracyw x
Hi John, a very pretty and girly card, love the vibrant pink, and a great use of striplet dies. BxReplyDelete
Hi JohnReplyDelete
I too love the striplet dies always useful. Beautiful card.
Hi John,ReplyDelete
Love the vibrant pink this morning. The card is a real wow. Aren't striplets just so versatile?
Well, I finally found time to follow the instructions you gave me at the NEC about the gilding flakes - probably because I'm stuck inside with a very bad chest! Anyway I left the card overnight before applying the flakes and ...
... it worked brilliantly! Thanks for all your help. For the first time I can now use stamps too so I'm going to stock up on your lovely stamps. Aren't gadgets brilliant? I have RSD/CRPS and arthritis in my right hand and I am right-handed and never thought I would manage to do any more stamping. It's been over ten years so I'm really chuffed. Thanks for all your help.
Have a great day.
Happy crafting.
D xx
Love the colour, love how you've used the striplet dies, especially love the flower. Looking forward to the shows.ReplyDelete
Annette x
Gorgeous card-I also love the Striplet dies.ReplyDelete
Lovely card John. Strip lets are so useful.ReplyDelete
Good morning John your card is gorgeous. I love the colours and the dies are amazing. Your shows are going to be fantastic. Have a great day today. Take care. Hugs JackieReplyDelete
Hi John and crafters allReplyDelete
Beautiful card, pretty colours to. These striplet dies are so versatile. Looking forward to your new shows on Hochanda.
Love and crafty hugs to all
Tina T xxxx
- Anonymous24 November 2016 at 08:32
Beautiful card John, love the Striplets they are so versatile.JoycexReplyDelete
Hi John,ReplyDelete
what a super gorgeous card.
So much very lovely work involved with this great design.
Lovely shade of pink also.
Lots of crafty regards. Jenny L.
Morning John, a beautiful card today, love the colours and the striplets you have used.ReplyDelete
(PS it is Thursday not Wednesday)
Stay safe, healthy and happy, hugs, June Smith xxx
Love the way you have used the striplet die here, John.ReplyDelete
Anne (Northampton)
Hi JohnReplyDelete
A beautiful card and gorgeous colours. I love striplets too
B xx
Unusual for you to do a pink card John, but it's lovely.ReplyDelete
Hi John. I too love Striplets, they are so useful fir lots of different looks. Love Rosemarie XReplyDelete
Beautiful card John and love that shade of pink. Marion S xReplyDelete
Morning John,ReplyDelete
Wow this card is gorgeous.
I must remember to set my HD box to record your shows.
Monday is babysitting day for me so I won't be able to watch your shows live, our Grandchildren either want to watch Bing, Peppa pig or Paw patrol ( no wonder my brain is numb when they've gone home lol)
Keep up the great work
Hi John love the striplets this is s beautiful card pink is brill love June horrocks xxxxxxxxReplyDelete
- Anonymous24 November 2016 at 10:07
Wow that woke me up this morning. Its a lovely design John, but a bit too bright for me. Still there are lots of people who do like their bright colours and it wouldn't do for us all to be the same.ReplyDelete
Have a happy day
Helen (stitchingranny)
Eh up JohnReplyDelete
Well slap my thigh and call me Betsy ...... this is unmistakably PINK lol! Very bright for you but a stunner and great design.
I warned you that many succumb to Stripletus Overuse-us (its now an official condition). Later I shall, indeed, be fondling a Christmas one. Do that twice per day and all will be well lol!
Ang x
Hi John,ReplyDelete
Stunning card, love the way that you have used the striplet and the colour is beautiful.
Thanks for sharing,
So pretty John but so NOT you LOL. xxxxxReplyDelete
Good Morning John definitely in the pink, its spectacular love it to bits. hugs ShirleyxxxReplyDelete
Morning John well this card certainly brightened up a dull day. Love the concept of this card, but it is a tad to bright for me.ReplyDelete
- Rose in Chester24 November 2016 at 10:39
Hi John,ReplyDelete
Again, I see this card in black and white with red flower accents, I love the design.
Hugs, Rose
Morning John,ReplyDelete
Love the card, so pretty.
Beautiful card John. Absolutely love the colour. XxReplyDelete
Lovely, John. Striplet dies are so useful and the colours are just great in this cardReplyDelete
Hi John. Lots of really lovely elements to this card, but for me, by putting them all together I feel the result is a bit too busy and confused. Sorry.ReplyDelete
Love this card John and the pink is gorgeous. Thank you for sharing this. Another die I haven't got.😟ReplyDelete
Pretty card john x love the striplets too xReplyDelete
Theresa w x
Oh my word air is stunning and that shade of sherbet is beautiful and I'm not a pink person either!ReplyDelete
I love a Striplet and the latest ones with an inner piece too are so pretty
Evening JohnReplyDelete
WOW, a pretty, vibrant card, love it
June x
This is a gorgeous card and i love the layout and everything but to be honest i am not sure about the pink.ReplyDelete
But it is still a fabulous card.


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text: Thai Airways International Public Company (THAI) has opened its new branch office under GSA-Majestic Travel & Tours LLC in Abu Dhabi at Al Falah Street. The office was inaugurated by His Excellency Komate Kamalanavin, Ambassador of Thailand along with Chantouch Srinilta, General Manager—UAE & Middle East, Henry Boutros, Area Sales Manager—UAE & Middle East, Kumar Jagadeesan, General Manager, Anta Travel and Vinit Singh, Manager, Majestic Travel & Tours. THAI flies daily from Dubai to Bangkok with smooth connections through its home base Suvarnabhumi International Airport to domestic Thailand destinations and beyond to the Far East, Asia and Australia. As the first contact point in the Kingdom of Thailand, THAI offers passengers a sublime experience and economy cabins amongst the best in the industry, with generous legroom and plush wide seats. Royal silk Business Class cabin inspired by the rich culture and heritage of Thailand offers a personal lounge-office in the clouds with customisable configurations. THAI continues to focus on the importance of consistent product development based on customer satisfaction with state-of-art services that meets customers' needs.Read More »


text:
Small DuffelBy
Is it okay to bring lip gloss in my carry on?
The lip gloss is .47 oz fl when I checked. "And I have yet to put in a bag ziplock? It is probably the only one I am taking liquids on board. By the way, I have a tarp or bag as carry out, it's more of a small bag. Thanks in advance!
I would put it in a ziplock bag just in case, but I'm pretty sure that's fine. You may be able to find some information here: http://www.tsa.gov/
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text: This article discusses the improvement in SMT process quality experienced by Canadian Manufacturer Etratech after installation of a SJ Inno Tech 520SPI SMT printer. PPM defects were dramatically reduced while achieving 15 second print cycletimes on the machine. Originally published in the April 2016 issue of SMT magazine.SMT mag Apr2016_Etratech 520SPI


text:
Property DescriptionOutstanding end unit recently updated. Steps from the Gulf & sandy beach. S/E bay view from lanai & Master bedroom with multiple side south windows for a bright & spacious look. Deeded boat dock #27 with access to the Gulf. Covered parking below. New neutral 18" porcelain tile on diagonal in main area including lanai. Carpet in bedrooms, newly designed kitchen, custom wood cabinets with oversized granite countertop with under cabinets allowing 6-8 bar stools for guests & more storage, recessed lighting, nearly new refrigerator, stove, dishwasher & microwave. Master bedroom & walk in closet, sliding door to lanai. Ensuite master bath with new large tiled shower and glass sliding doors. Granite counter, new cabinet. Guest bath has beautiful accented tile bath enclosure, quartz countertop, new sink and cabinet. Recently painted, spotless, turnkey (20K).Great investment opportunity with 3 lease contracts in place for Feb.& March + 2 weeks in April 2019. Units may not be leased for a period less than 30 days during Jan. thru March. April thru Dec, units may be leased for a period of not less than 7 days. No more than 2 birds, 1 dog or 1 cat allowed in unit. See Confidential Remarks
Property Features
Courtesy of REMAX Affinity Mercato
The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright 2017 Southwest Florida MLS organizations. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.
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About Cala Suaraccia Beach
Cala Suaraccia beach (Spiaggia Le Farfalle – Cala Suaraccia) is located on the Capo Coda Cavallo peninsula, 9 kilometers north-east of San Teodoro. It has a length of 150 meters and faces due north, featuring absolutely splendid views of Isola Molara and Isola Tavolara that is situated 6 kilometers off the coast. The small cove is surrounded by dense vegetation, offering shaded areas for those hot summer days. Popular activities at the beach besides swimming include snorkelling, scuba diving and birdwatching. From here, boats leave towards Capo Coda Cavallo and the Marine Protected Area of Tavolara. Near Cala Suaraccia beach, in Villaggio Le Farfalle, you'll find the Aquarius Dive Center where you can take diving lessons and rent scuba diving equipment. Guided dives in the calm protected bay of Cala Suaraccia with supervising experienced instructors can also be arranged.
Cala Suaraccia Hotels
500 meters north-west of Cala Suaraccia beach you'll find the four-star Cala Paradiso Residence. Located less than a 5-minute walk from the Capo Coda Cavallo seafront, Cala Paradiso Residence features a swimming pool, a large garden, and several sports facilities. All apartments feature satellite TV and a living and dining area with a fully equipped kitchenette. Go a few hundred meters south towards Salinedda beach and you'll find Residence Baia Salinedda. Set on 245 acres of private parkland and nature reserve, Residence Baia Salinedda offers independent accommodations in a very quiet atmosphere. Each apartment offers air conditioning and satellite TV. Residence Baia Salinedda provides 2 heated outdoor pools, a children's pool, a playground and bike rental service. Free WiFi is available in public areas.
For a convenient overview of all hotels, apartments, villas and condo hotels available in Capo Coda Cavallo, click here.
Directions to Cala Suaraccia Beach
From Olbia, Cala Suaraccia beach can be reached by taking the SS 125 in the direction of Siniscola. Once you've passed the village of Monte Petrosu after about 17 kilometers, exit the SS 125 at the village of Lutturai and head in the direction of Capo Coda Cavallo.
Sardinian Beaches Near Cala Suaraccia Beach
La Pipara Beach
- Length: 100 meters.
- Things to do: snorkelling.
- ✓ This beach is suitable for families with children.
La Pipara beach is located in Capo Coda Cavallo, San Teodoro. It has a length of just 100 meters and offers nice views of Isola Molara and Isola Tavolara.
Salina Manna Beach
- Length: 300 meters.
- Things to do: snorkelling.
Salina Manna beach is located between Cala Brandinchi and Salinedda beach in one of the most beautiful coastal parts in Capo Coda Cavallo, San Teodoro.
Salinedda Beach
- Length: 400 meters.
- Things to do: snorkelling, birdwatching.
1.5 kilometers south-west of Capo Coda Cavallo beach you'll find Salinedda beach. It is 400 meters long and faces south, offering views of Isola Ruia.
Capo Coda Cavallo Beach
- Length: 500 meters.
- Things to do: snorkelling.
Capo Coda Cavallo beach is located at the eastermost tip of the peninsula. It's 500 meters long and features views of Isola Molara and Isola Tavolara.


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Blane Johnson
Passionate, Focused, Driven, Aggressive, Humble, Determined, Hard worker
Hometown: Greeneville, TN
Riding Style: Western
Specific Styles: Barrel Racing
Primary Horse's Name: Cash's Wonder Bar
My name is Blane Johnson and I am from Greeneville, Tennessee. I have been riding competitively for four years now. I am a member of the IBRA (International Barrel Racing Association) and I travel to barrel races in the East Tennessee area every weekend. Some of my most recent accomplishments are becoming the 2015 Adult 1D Champion and the Open 1D Reserve Champion and for 2016 finishing in the top 5 of the Adult 1D and the top 15 of the Open 1D. I currently have two mares, Cash's Wonder Bar and Skip the Six Pack. My goal for my mares and I are to continue to make it to the top of 1D and eventually qualify for the American!
Follow me on social media!
Instagram: @blaney_boo


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Video trailer
Download film The Thousand Faces of Dunjia (2017)
The world is on the brink of catastrophe in a chaotic age where evil demons roam. In order to keep evil at bay, a mysterious organisation from the pugilist world emerges. A new constable and a young girl with a mysterious past are also drawn into this group, and the group embarks on an incredible adventure.
Unduh film The Thousand Faces of Dunjia (2017) Sub Indo Moviegan
Original title 奇门遁甲
TMDb Rating 2 1 votes
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The Restoring Iowa Jobs team was happy to attend the Lee County Fair last week and it was a wonderful experience! It was great to have to chance to speak with so many of you who live in Southeast Iowa and talk about the great things happening in this area. We enjoyed the conversations and hearing feedback and thoughts from you on how we can continue to work together to create a variety of jobs in these towns.
At our booth, we featured a gift card give away from some special local businesses. We gave away one gift card to The Ivy Bake Shoppe and Café and another gift card to Fort Madison's Chandler's Grill. Fair-goers were entered to win by 'liking' us on Facebook, following us on Twitter, or filling out a contact card. The two lucky winners of the cards were Denise Fraise and Nancy Folluo – Congratulations to you both!
We look forward to participating in more events in Southeast Iowa and as always, we look forward to hearing from you on how we can get involved in the community. Feel free to send your ideas to firstname.lastname@example.com. Also, be sure to keep up with the latest Southeast Iowa news by 'liking' us on Facebook, following us on Twitter, and keep on reading our latest blog posts.
Until next time,
Restoring Iowa Jobs team


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When we got home from vacation we had a letter from both the lawyer who handles the closing and Ryan Homes regarding our final walk-thru and settlement date. Our final walk-thru is September 21st and our Settlement date is September 22nd. I have updated the countdown timer to reflect the new dates.
So as you know we were a little disappointed with the progress on the drywall last week and from the tone of the email we received from our PM this week we think he was too..."I am back and getting these guys back into shape".
We went down to the house tonight:
Drywall is complete
Inside painting is complete, but definitely needs a lot of work
Linoleum in Jack & Jill and Bathroom #2 is installed
Tile installed in Wet Bar area
Tile installed in First Floor Bathroom
Tile installed in Sunroom
Tile for Master Bathroom is well on it's way
Tile for Laundry room is in process
Framing for stone fireplace in basement is complete
Gas line is completely run and connected to the house
Outside trim painting was being done while we were there
Rough grading has been completed
Crushed stone for driveway is in place
The garage is completely filled with Cabinets, vanities, trim and doors. The vent covers are sitting in boxes ready to be installed. Our dishwasher, wall oven, trivection oven, and warming tray are sitting in the kitchen area. No sign of the Stove or Hood. The Refrigerator is backordered.
After the above is installed the Electricians and Plumbers will be back in to do all the connection work.
We also have what appears to be damage from the Earthquake...numerous small cracks in the basement floor...none of which were there last week. Will post more on this after discussion with PM.


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Locally known as MYSTERY LAKE, it is a high altitude "glacial lake" in Uttarakhand State of India, and lies in the lap of TRISHUL massif and is famous due to hundreds of "human skeletons" found at the edge of the lake. The place, located at an altitude of 16,499ft, is uninhabited. The lake is surrounded by rock-strewn glaciers and snow-clad mountains, making it a good trekking destination.
The human skeletons were rediscovered in 1942 by a Nanda Devi game reserve ranger —— H. K. Madhwal, although there are reports about these bones from late 19th century. The remains are visible in the clear water during a one-month period when the ice melts. Along with the skeletons, objects like wooden artefacts, iron spearheads, leather slippers, rings were also found. Later studies found the time of mass death around the9th century.
ROOPKUND is a picturesque and beautiful tourist destination, and one of the important places for trekking in GARHWAL District, located near the base of two Himalayan peaks : TRISHUL (7,120m) and NANDA GHUNTI (6,310m). A religious festival is held at the alpine meadow of BEDNI UGYAL every autumn, with nearby villages participating. A larger celebration, the Nanda Devi Raj Jat, takes place once every 12 years at ROOPKUND, during which Goddess Nanda is worshipped. Roopkund Lake is covered with ice for most of the time during the yea. However, the journey to Roopkund is an enjoyable experience. All along the way, one is surrounded by mountain ranges on all sides.
From Bhagwabhasa, trekkers either go to Roopknd and come back, or they go SHILA SAMUNDAR (Sea of Stones) via JUNARGALLI Col Pass, which is just above the lake, and then proceed with the trek up to HOMKUND.


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Illinois Innovators and Inventors
Holiday Party
You are Cordially Invited to
the Annual i3 Holiday Party
The party is open to all members and their guests.
Bully"s SmokeHouse Restaurant
1035 Century Drive
Edwardsville, IL
Wednesday, December 12 at 6:00 pm
Dinner entrees are about $10 to $15 + drinks & taxes
Each individual or couple will be billed separately.
Reservations are required by December 1.
with the number of people in your party.
Copyright 2006 - 2012 Illinois Innovators & Inventors


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Pricing & Demo
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Thank you! We'll be in touch very soon.
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Fold Up Dog Bowls and Carry Pouch
Made from 100% recycled materials, this collapsible dog bowl set includes two travel dog bowls and a carrying case featuring a cross-body strap. Waterproof lining prevents spills even when on the go.
- Small Fold Up Dog Bowls: 5" diameter
- Large Fold Up Dog Bowls: 7" diameter
- Available to ship June 1, 2014


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Queensland Access Travel firm speaks out on ATAS
Queensland company Access Travel Pty Limited (trading as Access Ireland and UK Holidays) feels that that insolvency insurance should be compulsory for all travel agents and wholesalers.
The firm is in no way associated with NSW company Summa Travel & Tours (trading as Travel Access in Blacktown), which was terminated earlier this month by the Travel Compensation Fund (TCF) on grounds of consumer claims being received.
Owner/manager of Access Travel Pty Limited, Nicky Ross, said that "as a lawful and reputable business", Access Travel, like many other travel operators, was "concerned about the impact of the removal of mandatory licencing and TCF membership as of 1 July 2014.
"We are wholeheartedly of the opinion that under the new ATAS scheme, insolvency insurance should be compulsory for all travel agents and wholesalers," she said.
"In fact, I personally believe that licencing as a travel agency should also remain mandatory."
Ross, like many other agents, is concerned about what may happen after the TCF disappears on 30 June 2014.
The latest default in NSW, reported last week, could produce a volume of claims "much larger than the other travel agent defaults this year", a statement by TravelManagers said. Terminations now total four agents with thirteen outlets in five states plus the Northern Territory.
"With estimated losses up to AUD 250,000 from one longstanding travel agent alone, this highlights the absolute need and real concern TravelManagers has for ATAS not making Travel Agent Insolvency Insurance mandatory," TravelManagers chairman, Barry Mayo, reiterated.
"The potential for a significant number of clients to be adversely affected and severely out of pocket has been dramatically demonstrated by this latest collapse." What proposed protection would the agency's clients have under the proposed ATAS scheme? Mayo asked.
Many smaller agents fear that if agents without insolvency insurance go bust, leaving consumers out of pocket, the resulting storm of bad publicity will affect everyone. Such bad publicity could be expected to deter some consumers from booking with agents, and drive others into the arms of big chains, in the belief chains will offer sounder protection than their smaller independent rivals.
Making Travel Agent Insolvency Insurance a compulsory part of ATAS could go a long way in helping to avoid such debacles.
Written by : Peter Needham


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DJI Ronin-M Suitcase
- Brand: DJI
- Product Code: DJIRONINM_CASE1
- Availability: Ships Within 2-14 Working Days
RM980.00 ( All prices inclusive 0% GST. )
- Fits Ronin-M Gimbal & Accessories
- ABS Plastic Exterior
- Custom-Cut EPP Foam Interior
- Water Resistant
Designed for the Ronin-M, the outside shell of this carrying case is made with ABS, a material that's both strong and light. On the inside, the highly resilient EPP material is used to help absorb pressure and vibrations. Besides protecting your Ronin-M and all its accessories from collisions, the case is also moderately water-resistant.
Material: ABS (Outside), EPP (Inside)
Color: Black
Size: Approx. 51.5cm long x 38.6cm wide x 23.4cm high


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Secret Subject Swap: July 10th, 2015
Hello and Happy Friday!
Welcome to a Secret Subject Swap. This week 13 brave bloggers picked a secret subject for someone else and were assigned a secret subject to interpret in their own style. Today we are all simultaneously divulging our topics and submitting our posts.
* * *
Here are links to all the sites now featuring Secret Subject Swap posts. Sit back, grab a cup, and check them all out. See you there:
Confessions of a part-time working mom
~ ~ ~
My "Secret Subject" is:
What are your traditions for the 4th of July and why do you insist on keeping them?
It was submitted by: Southern Belle Charm -thank you for the prompt!
* * *
I am not sure I have any that are consistent. There is no annual barbecue or specific place we must go to see the fireworks. We are more 'go with the flow' type of people.
Sometimes, I host get togethers, other times...I will be the guest helping you clean up and urging you to sit down while I mix us a drink.
Traditions, while they can be comforting at times, do not work for me. Life tends to get in the way. It gets hectic and messy. The stuff I've planned goes awry then when I've settled on nothing somehow everything falls into place.
That's okay.
I like unpredictable and fun. My inner control freak is dying that I said that for the record...but over the years I have found it is much better to go with the flow rather than get worked up over not being able to do certain things the way I planned.
This most recent 4th of July, I spent the early hours of it playing board games and drinking, making fun questionable decisions with good friends. I wish I had a ton of pictures to share...but we were too busy verbally abusing each other and making innuendos to stop and take pictures. The actual day, we did nothing memorable-mom was feeling quite crappy and my goal was just to make her comfortable.
The only 'tradition' I suppose I have is that I try to spend it with people I love and who makes my life better simply being in it. It is never so much what we are doing but more so spending time with those who makes our days worthwhile and anything and everything fun.
That should be the only tradition that matters-spending time with those who make our hearts happy.


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I've just finished buying my tickets for Her Bad Auction. Here's an excerpt from the site:
Tis the season to give. In honor of Her Bad Mother and her nephew Tanner, we are raffling off over 30 amazing items to help raise money for Muscular Dystrophy Research.
This is a series of raffles in order to raise money for Muscular Dystrophy Research. You pick which item(s) you want to win and we'll draw one winner at random for each item.
You know, I was just casually checking the site and the prizes out. And I knew already that I was going to enter some of the draws because, good cause? Uh, yep. But then I spied this. Oh sweet mother of pearl! Real live genuine Coach! In lilac! Real live genuine Coach in lilac! I have never hit the paypal button with such fervor. If no-one will buy procrastamom a new one (what? that price is totally reasonable…if I had three full-time jobs) then maybe I could win one. Coooooaaaaa-cha!
And if that wasn't enough to make you go SQUEEEE (cause maybe you anti-Coach or something equally unbelievable to me), they are also raffling a complete blog redesign by the lovely and lucious Karen Rani of Troll Baby Graphics. Because if there's anything this dowdy blog needs, it's an EXTREME makeover. I've long suspected that the reason I don't get many comments around here is not necessarily due to the poor writing or that I smell funky or that my mother dresses me funny. No, I think it's more like people are busily flushing their eyes under the kitchen tap after reading here…screaming "MY EYES! THEY BURN! WHY? WHY MUST SHE USE A STOCK WORDPRESS TEMPLATE? WHY???!!!" So, I'm praying to Santa and his elves that they'll grant me my wish and let me win the blog redo. Regardless, I think some renos need to happen around procrastamom in 2007 and I love Karen's work, so I'll have to see if I can get the funds together to get things spiced up a bit here.
They're also auctioning off a whole wack of other great prizes like handmade items, art, t-shirts, the cutest sock monkey evah (you know if sock monkeys had a "world's best" category of their own and all), gift baskets, etc. Every red cent goes to MD Canada…every single one. I hope you'll check it out and have some fun trying to win prizes, while helping to support a great cause.
…check it out. (but maybe don't put too many of your tickets in on the Coach bag or the Blog redo, cause uhmm…those prizes are poisonous. Yeah, that's it. POISON!
P.S. Thanks for the comments on my last post (love the comments about my supporting the murdering of trees…ha). It's not often that I get five on one post (because maybe your eyes are burning?). Regardless, I want you all to know how much I appreciate the feedback and that I love you all more than cheese. Because cheese is good dammit, but I love my readers more!


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The US dollar moved sideways in recent FX trading, as major pairs were stuck at key levels. Data from the US was mostly weaker than expected, with the initial jobless claims showing a larger than expected 283K increase versus the projected 269K figure. The flash manufacturing PMI saw a drop to 56.2 for October while the previous reading was downgraded. US new home sales data is up for release today and it might show a decline from 504K to 473K, which might lead to a bit of dollar weakness.
The euro recovered slightly to the dollar and advanced to the yen in recent FX trading sessions, as euro zone manufacturing and services PMI came in better than expected. Flash manufacturing PMI improved from 50.3 to 50.7 while the services index held steady at 52.4 instead of dipping to 52.0. In Germany, the manufacturing PMI landed back above 50.0 and reflected industry expansion while France saw more weakness in both manufacturing and services. German GfK consumer climate data is due today and this might dictate euro price action for the rest of the day. A drop from 8.6 to 8.1 is expected.
FX Trading Fundamentals
The pound was on weak footing yesterday since UK retail sales showed weaker than expected results. Consumer spending fell by 0.3% in September, worse than the estimated 0.1% dip. BBA mortgage approvals was also weaker than expected, as the reading fell from 41.4K to 39.3K. UK GDP is up for release today and another disappointment might lead to more pound FX trading weakness, as this would validate concerns that the BOE isn't ready to tighten policy next year.
The franc moved sideways to the dollar, as there were no major reports from Switzerland. The currency did gain a bit of support from improved euro zone PMI, which was enough to keep it steady for the most part. For today, there are still no reports due from Switzerland, which suggests that euro zone data or risk sentiment could drive franc FX trading movement.
The yen lost ground as risk appetite improved in recent FX trading and BOJ Governor Kuroda admitted that yen weakness is helping the economy achieve its inflation target. He also mentioned that their recent review of falling energy prices suggest that inflation could fall back to 1% and that the Japanese central bank might need to implement further stimulus. There are no major reports due from Japan today.
The Kiwi lost further ground in recent trading since New Zealand's trade balance came in weaker than expected. The deficit widened from 489 million NZD to 1350 million NZD, suggesting weaker export activity. There are no reports due from the rest of the comdoll economies today, leaving the currencies sensitive to risk sentiment and potential profit-taking.
To contact the reporter of the story: James Brennan at email@example.com