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- The RBA once again elected to leave the cash rate on hold at 1.50% following their September Board meeting.
- Governor Lowe remained optimistic in the accompanying statement as data largely continue to support the RBA's central forecasts.
- Growth bounced back in Q2 after a weather disrupted slowdown to start the year.
- There are growing concerns over the outlook for consumption which could threaten the outlook for interest rates.
Rates Recap
- The RBA left the cash rate on hold yet again in September with the cash rate remaining at 1.50%.
- In the post meeting statement Governor Lowe maintained his optimistic outlook on growth and inflation over the medium term.
- Growth figures which were released the following day were in line with the RBA's expectations.
- While the RBA remains confident in the outlook, there is growing disquiet amongst members of the FOMC while the ECB is gearing up to announced the tapering of its QE program
- These developments along with the data, weather events and geo-political tensions have seen the yield curve flatten noticeably in the US.
- A similar move but to a lesser degree has occurred in the Australian yield curve while the rise in the AUD above 0.80 will have caught the eyes of the RBA.
Consumer Crunch Threatens Outlook
Another month has passed with the RBA once again remaining optimistic in its outlook after leaving the cash rate on hold at 1.50% for the 14th consecutive month. The headline data from the past month has given the RBA little reason to deviate from their current forecasts. GDP bounced back in Q2 in line with their expectation, employment growth remains strong and business confidence and conditions are at post GFC highs.
There is one big area of concern and it could threaten the long run outlook for monetary policy and interest rates.
While the mining boom, construction boom and now infrastructure boom have all helped Australia take the world record of 104 quarters or 26 years of growth without a recession, consumption is still the biggest component of the Australian economy.
This is one of the reasons that the RBA is worried about the consumer, especially the trend in wage and debt dynamics. The RBA's stance on the blowout in Australia's debt to income ratio has been widely publicised and for good reason. Not only does it pose a large financial stability risk but it could threaten the countries biggest driver of growth.
Consumption growth has held up remarkably well to date given the large numbers of headwinds that consumers face. Wages are growing at the slowest pace in decades at the same time as the countries debt burden reaches all time highs. Furthermore, consumers have been running down savings over the past 12 to 18 months in order to maintain the rate of consumption that we have become accustomed too.
The question that many people are asking is how long can the consumer keep this up?
The RBA is currently addressing the debt to income in balance in two ways. They are keeping rates low to help support the economy, create more jobs and hope that eventually a tighter labour market will lead to wage growth. At the same time through the Council of Financial Regulators they are targeting lending standards and growth rates in order to reign in growth.
Evidence to date suggests that there has been some success on the debt front. However it is still too early to tell if the current measures will be enough. The news is far less encouraging on the wages front. Wage growth has remained anaemic and if the international experience, where monetary policy has been far more aggressive and employment markets much tighter, wage growth may remain absent for some time.
With the RBA curtailing debt growth, wage growth absent and consumers only being able to run down savings so far, there is a real risk of a consumption crunch over the medium term.
Outlook for Interest Rates
As far as the market and the RBA are concerned, the outlook for interest rates hasn't changed much at all over the past month. The current market pricing for the cash rate is almost exactly where it was a month ago. Currently there is no hike priced in for the remainder of this year with a hike not fully priced by the market until December 2018. This largely reflects the RBA's comfort level in their forecasts.
The data over the last month has for the most part, been in line with RBA forecasts, supporting their positive outlook for the economy. Growth improved in the second quarter with the annual rate right in line with the RBA's forecasts. The economy only needs to sustain its current momentum for the year end rate of growth to rise next quarter, something that the RBA is expecting.
With last years Q3 fall in growth of 0.4% set to drop out of the calculation, another expansion of 0.8% this quarter would see the annual rate of growth rise to 3%. That would make the RBA's year end target rate of growth easily achievable with only a slight pick up needed for growth to lift in line with forecasts.
The sustained uplift in business conditions and confidence bodes well for both investment and employment. Key to the outlook is the expectation that the strength of the latter will eventually lift wage growth and with it underlying inflation. That transmission mechanism could take some time to kick in which is why the risks around inflation are key to the outlook for interest rates.
The next inflation update isn't due until the end of October which means there is little chance of the RBA making any large changes in its rhetoric any time soon. With wage growth still weak according to both the quarterly wage data and national accounts, even an imminent pick up would take time to filter through to underlying inflation outcomes. That means that inflation poses no risk to the outlook anytime soon.
The balance of risks at present continue to point to the cash rate remaining on hold for the foreseeable future.
Australian Economic Highlights
- Following a weather effected slowdown in Q1, Growth improved in the second quarter with the economy expanding by 0.8%. The Australian economy now holds the record outright for the longest run of growth without a recession at 104 quarters.
- CPI was weaker than expected in Q2 with the headline reading of 0.2% short of the 0.4% expected. The result saw the annual rate fall below the RBA's target band. The RBA's preferred measure, core inflation also remained below the band at 1.8% after a quarterly increase of 0.5%.
- The employment data remained strong for the fifth straight month with total jobs growth of 27,900 in July. It was enough to push the unemployment rate down 0.1%, even with a 0.1% increase in the participation rate.
- The outlook for employment remains strong with the ANZ job ads report sustaining its trend of robust growth. Job ads were up 2% in August after a 1.6% rise in July.
- The NAB business conditions index continued it's strong performance in August with the index sitting at 15, remaining well above the long run average of 5. Business confidence posted an unexpected decline, falling 7 points from 12 to 5 and now sits below its long run average. One big positive was a jump in the employment index.
- Consumer confidence continues to languish as weak wages growth and tightening credit standards continue to impact family finances. The ongoing weakness is starting to show up to a greater degree in consumption data.
- Retail sales stalled in July with total sales flat from the previous month. The result was driven by sharp declines in discretionary spending while spending on food, the largest sector, was up 0.7%
- Housing finance continues to be impacted by the macro prudential restrictions imposed by the council of financial regulators. Owner occupiers along with first home buyers continue to borrow at a solid rate, with lending to this sector up 2.2% for the month while investor lending slumped 3.9%, resulting in overall lending falling 0.6% ex- refinancing.
- Australia's trade surplus fell more than expected in July as the fall in the value of exports outpaced the fall in imports for the month. Volatlity in commodity prices continue to impact exports from month to month. The surplus declined to $460m, almost half the previous month.
- Building approvals continue to trend lower, with the bounce in June being short lived. Total approvals in July were down 1.7% to be down 13.9% over the past year.
- Motor vehicle sales struggled in the first month of the new fiscal year with total sales falling 2%. The fall left the annual increase in sales at 1.8%, well down on the previous month.


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Tech in the North
A film about individuals and organisations from cities across the North; covering sectors including games, health, finance, media and more.Watch Tech in the North here
Tech in the North — Premiere
On Tuesday 2nd May, 2017, at Everyman Canary Wharf, we premiered our new film, The City Talking: Tech in the North. Tech in the North is a collection of short stories about some of the companies and people shaping the tech industry in the UK and around the world. We were joined at the premiere by friends and new acquaintances from across the country.
"We can create a kind of collaborative magic," — Dawn Paine, Creative England
"I mightn't look like it," Dawn tells us, as we talk in Creative England's offices at Media City in Salford, where Dawn is Creative England's Chief Marketing and Strategy Officer. "But I'm a hardcore gamer. Of all the sectors I've worked across in my career, games is the one that is closest to my heart, for a number of different reasons."
"You believe you're somewhere else, & you believe you're there together" — Clemens Wangerin, vTime
Where Clemens Wangerin and Martin Kenwright want to be is Liverpool, and the Baltic Triangle, because they've been here a long time and it's been a ticket to a lifetime, spent making computer generated vistas and experiences that have shifted the world's perceptions.
"The city is starting to recognise what technology is all about" — Hugh Campbell, GP Bullhound
At 1 New York Street, in a building that looks like it's made from glass Jenga blocks, is the Manchester office for boutique investment bank GP Bullhound. In 2016, this is where Hugh Campbell works when he's not working from GP Bullhound's offices in London, San Francisco, Stockholm, Berlin or Paris. This is where he works when he's not working in Beijing or Tokyo or Dubai, or somewhere in between in the clouds.
"We're saving lives, & that's important to us" — Dr. Sam Chapman, The Floow
The Floow, a telematics data company, is based in Sheffield at 4 Joiner Street, close to the River Don. The building is called OXO House, a former warehouse for OXO stock cubes. It was built in 1936 by a builder named George Longden. The style is art deco; it is sturdy, red brick'd and located far enough from the river to avoid the risk of rising waters dissolving the stock and flooding the streets with cold broth.

subset: commoncrawl


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Our Services
Serving Saint Bernard Parish
Sam's Refrigeration & HVAC in Chalmette, LA provides high quality, professional HVAC services. Call 504-250-0746 for your free consultation.
* HVAC Services
* HVAC Repair Services
* Air Conditioning Installation Services
* Furnace Repair Services
* HVAC Replacement Services
* Central Heat and Air Services
* Heating Repair Services
About Us
HVAC Contractor Chalmette LA
If you live in Chalmette, LA or the surrounding areas and are looking for a well versed HVAC contractor, you are in the right place. We have been in business for 35 years and know what it takes to offer the best services. We source our products from industry leading manufacturers and install them with a high level of expertise. We are equipped with the latest technology tools and equipment to offer the best services. No matter the size of your project, we will deliver in an efficient and timely manner. Sam's Refrigeration & HVAC in Chalmette, LA is a licensed and insured business with a proven track record of success.
Our services include HVAC repair, air conditioning installation, furnace repair, HVAC replacement, central heat and air, and heating repair. Our experts specialize in providing our services to owners of residential properties. We accept emergency calls and are willing to offer same day service. We are personable and make every client feel as comfortable as possible. We are very knowledgeable in our craft and take great pride in having our customers satisfied and happy. Before beginning work, we listen to our clients to know their needs and expectations and strive to meet them at first delivery. We have a customer friendly pricing model.
Call Sam's Refrigeration & HVAC in Chalmette, LA at 504-250-0746 now to discuss your HVAC needs with our experts, to schedule an appointment with us as well as to find out more about all of our available services.
HVAC Contractor Chalmette LA
Sa 8:00AM - 8:00PM
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Linda Kage is a contemporary romance writer with tantalizing tales for adults and intriguing stories for young adults. Her young adult romance, The Stillburrow Crush, is a finalist in the 2011 EPIC's eBook Award Contest!
Let's give her a warm welcome. Please feel free to ask her questions or just say hello.
Hi Linda! Please tell us about yourself :
Hello, I'm Linda Kage. I live next door to Paris Hilton and George Lucas. On nights when I'm not attending some glamorous movie opening, I'm sitting on on my desk, letting my personal masseur, Pierre, rub my feet with warm oils while his hunky, shirtless twin, Antoine, serves me endless platters of chocolate and Dr. Pepper (sorry, I'm not much of a wine-o).
Oh, wait. What? You want the truth? But who wants to hear about a mother of a nine-month-old, spending her evenings wiping up baby poop and snot and her days at a library, sitting a desk, entering book records into a computer for eight-hours in a row? Oh, and that's not when I'm picking up the husband's uniforms from the dry-cleaners or trying not to burn supper. Honestly, can't I be the first person…just for today?
You're too funny. I'd like to take the first person myself. lol
Your new release is Hot Commodity. Tell us about Olivia Donovan and why she's so determined not to meet Cameron Banks.
Olivia has lived under her mother's thumb her entire life. Whatever Vivian (her mom) demands, Olivia obeys. But Vivian crosses the line when she orders Olivia to seduce Cameron into wanting him to marry her. Trying to evade Cameron Banks becomes Olivia's desperate mission to live her own life. Except she fails…though really, she doesn't (sorry if that's confusing. It's one of those you-have-to-read-the-book-to-understand kind of answers *cringe*).
Tell us about Cameron Banks. What is he like? What is his first impression of Olivia?
Cam's a bit shall-we-say plastered when Olivia taps on his shoulder at the bar. After he turns around and first meets her, he's pretty much only thinking about how he can pick up on a pretty girl and get into her pants. His personality comes through immediately, however. He's one of those people that suffer from verbal diarrhea, and whatever is on his mind floods out of his mouth. He delivers his thoughts in such a humorous way, though, you just gotta laugh and love him (I do, anyway).
What is Olivia's first impression of Cameron?
Since Olivia is totally desperate in looking for a man, needing someone she thinks her mother will despise, she's not too picky about who the guy is. But from the first moment she spots Cam, she's drawn in by his looks. And after she starts talking to him, his quirky sense of humor keeps her
Tell us about the companion story, Delinquent Daddy.
Delinquent Daddy is about Boston, Cameron's first cousin/best friend/business partner/lawyer. The two men are complete opposites, which is why they were so fun to write together. It's also why their stories are so different. Cameron's tale starts off as an entertaining, drunken adventure and eventually turns serious. Boston's book starts off with an "OMG, I have a ten-year-old daughter, I'm so going to kill her mother for not telling me" moment but it turns into a sweet second-chance romance.
What do you find most rewarding about writing?
I like to create a story with layers. I like fun, witty dialogue layered on top of serious, emotional issues. I'm most rewarded when I can accomplish a story that has some depth and reaches readers on different levels.
What are your current projects and works in progress?
I have three different stories submitted to publishers, currently under review. One is an Oops-sorry-I-thought-you-were-my-husband's-mistress mistaken identity story. Another is a love-hate, cop-hooks-up-with-a-lawyer story. And the last is an emotional story about a hero whose sister has been sexually attacked and the heroine who helps him deal with his misery. So, fingers crossed there. My current WIP is a young adult story, which a lot of people have been demanding I write. I guess they liked my first YA story I wrote.
What genre inspires your writing?
Romance. I MUST have a happy ending in any book I read. Other than that, it doesn't matter. Historical, Contemporary. YA, Adult. Paranormal, suspenseful, Erotic, sweet. If there's a happy ending, I'm usually all over it.
Do you have a favorite book on writing or reference book? If so, which one?
I got a lot out of On Writing by Stephen King.
Tell the readers where they can find you:
My Website : http://www.lindakage.com/
Blog : http://lindakage.blogspot.com/
Facebook : http://www.facebook.com/people/Linda-Kage/1415237991
Twitter : http://twitter.com/lindakage
MySpace : http://www.myspace.com/lindakage
YouTube : http://www.youtube.com/user/LindaKage (I make my own book trailers. I know, ugg.)
Goodreads : http://www.goodreads.com/author/show/3213942.Linda_Kage
Amazon : http://www.amazon.com/-/e/B003ILJHKM
Is there anything else you'd like to tell the readers?
Just thank you so much for having me here, Karen. You ask the most wonderful questions. It's an honor. And thank you everyone who's managed to make it all the way through my interview to this point. I appreciate your time and attention.
Here's a blurb for Hot Commodity:
"What?" he croaked in a muffled voice as he buried his face back into his pillow.
"How could you? Have you no decency at all for your family? This is my house for God's sake!"
"Damn, Leah," he mumbled. "Lower your voice, will you? I've got a killer headache."
"Oh, do you really," Leah said sarcastically. "Hmm, I wonder why?"
Cameron cocked open one eye to and turned his head to watch her bend down and snag something off the floor: a shot glass advertising Battista's Hole In The Wall nightclub.
His sister shook it in his face. "This wouldn't have anything to do with that, would it?"
He groaned. "Sorry. Forgot to hide that."
Leah lifted an eyebrow. "Hmm, too bad," she agreed. "Too bad you couldn't hide the girl too."
"Huh?" he asked, squeezing his eyes closed and stretching his arms above his head. Man, he felt like crap. He couldn't even remember when he'd gotten home last night...or how.
What in the world had he done? Jesus, what day was it?
"The glass is actually minor compared to her," Leah was saying.
"Her who?" He smacked his lips a few times to loosen his dehydrated tongue from the roof of his mouth.
When Leah merely scowled at him and dumped an armload of something on top of him, he jerked to a sitting position. Cursing and blinking repeatedly, he took in the sight of black high heels, torn fish net hose and a slinky strip of black silk. Intrigued by the tiny scrap of cloth, he picked it up with one finger and lifted it for a curious inspection. Good God. Was that...was that underwear?
"I'm so disappointed in you, Cam," Leah raged. "I can't believe you brought a woman into my home. I have a family, damn you, an impressionable four-year-old son that just adores his uncle—"
"Whoa, whoa, whoa," he said, cutting in as he wadded the thong in his fist. "What in God's name are you talking about? What woman?"
Leah sighed and pointed to the expanse of sheets and blankets next to him. "Well, gee, maybe the one in bed with you."
***Contest: Linda is running a contest until the end of November to win an ebook copy of Hot Commodity!! There's a form to fill out your name and email address to be added into the giveaway. That's on her contest page : http://www.lindakage.com/contests.html.


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Sold for $330,000
on Jan 10, 2018
This ground-floor 2 bedroom at Trappeur's Crossing might catch you by surprise. The distinguished upgrades inside this beauty are stunning. Recent upgrades include all new mattresses, including the pull-out-couch, and new bedding. You'll find large slate tile flooring throughout and hand-textured walls alongside chiseled log bar stools and regal lighting fixtures. The kitchen comes equipped with contemporary stainless steel appliances including a brand new dishwasher. The kitchen countertops are anchored with a river rock base, giving this unit a unique mountain vibe. This corner unit enjoys some of the best natural lighting on the property with a direct view of the pool, outdoor lounge and grassy courtyard. A walkout, covered patio allows you to enjoy the outdoor space year-round. Other highlights of this unit include elegant ceiling fans in every room, brushed metal bathroom fixtures, tongue-n-groove wood ceiling and comfortable leather seating in the living area. Owners and guests
Please take a moment to REGISTER here, and I can address your personal real estate needs today and in the future. Shop around for Steamboat Real Estate, save your searches, and give me a call or send me an email to discuss your needs.
Cheryl Foote
Broker Associate
Steamboat Sotheby's International Realty
610 Marketplace Plaza Suite100
Steamboat Springs, CO 80487
Cell: (970) 846-6444
Office: (970) 879-8100
Email: firstname.lastname@example.com


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PDG Marquez Sworn In as PSMBFI Chairman
PSMBFI swore in Police Director General Ricardo C. Marquez as its new Chairman of the Board of Directors last August 25, 2015 at the PSMBFI Main Office. The ceremony was witnessed by the current directors and officers of the association. PDG Marquez succeeded former PSMBFI Chairman Leonardo A. Espina who will remain as a director of the association.
PDG Ricardo C. Marquez formally assumed his post as the new Chief of the Philippine National Police on July 16, 2015.


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This morning's San Jose Mercury News delves into the issue of opening Mt. Umunhum summit to the public. I mention this here because so few people subscribe to the paper anymore. Support your local newspaper.
As I wrote in my 1986 article, the landowners on Mt. Umunhum believe they are under assault by trespassers and that the county and other law enforcement agencies are unwilling or unable to be of much help.
Fair enough. The area attracts its share of miscreants. I'm guilty of riding the length of Mt. Umunhum Road, as are dozens of otherwise law-abiding citizens.
The question is, how far do you go to maintain security? Video cameras were placed at access points to Mt. Umunhum by the landowners. MROSD rangers have responded when violators were seen, as I can attest.
I think things have gotten out of hand. Most of the violators are well-intentioned. They just want to see the view from up top. Don't we all? That's why the Midpeninsula Regional Open Space District has spent millions of our dollars (some Federal, so I can include myself although I don't live in the district) cleaning up the former Air Force base, buying land. Let's move on.
When I rode bikes with Jobst Brandt, I came to subscribe to his belief that open space should be shared, regardless of who owns it. Europeans pretty much feel the same way. However, that's not the attitude here. So we have to create an agency that buys land for public use and sets all kinds of restrictions.
There will always be security concerns. They can be dealt with. It reminds me of the politicians who would punish an entire group of people for the misdeeds of a few. That's no way to handle the problem, including this one.
Follow-up: The board voted 7-0 to pursue eminent domain.


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Harry Potter and the Forbidden Journey
Harry Potter and the Forbidden Journey is the flagship ride in Harry Potter's Wizarding World at Universal Studios Orlando. For fans of the wildly successful book and movie series, the ride is nothing short of magical; however, it is not necessary to have experience with the franchise in order to have a great time. Harry Potter and the Forbidden Journey opened in 2010 to delighted reviews. This dark ride through Hogwarts castle and surrounding areas lasts approximately five minutes. Children must be four feet tall to ride. In addition, riders must be able to fit in the constrained seat and pull the safety bar down completely. The waiting queue itself is nothing short of spectacular. Guests weave in and out of Hogwarts passing memorabilia that includes the Mirror of Erised, the Room of Requirement and the Sorting Hat. Riders are eventually directed to a 4-seat "enchanted bench" and the fun begins. Utilizing KUKA robotic arm technology, projection screens, real sets and animatronics, riders embark on a somewhat rough ride. Although there are no inversions in Harry Potter and the Forbidden Journey there is a point where riders are tilted until they are flat on their backs. This ride is a must for all fans of the Harry Potter series.
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Adrenaline Cycle is a certified Dynojet tuning center using our Dynojet 250i Dyno. This machine allows us to test bikes up to 800hp. Combined with the very latest tuning link software we can supply and install a Power Commander or Jet kit for any bike, accurately setting up the fuelling and ignition to achieve optimum performance. Dynojet's Load Control System uses the latest in eddy current power absorption technology which, combined with Dynojet software, enables our technicians to achieve consistent, repeatable results.
The real-world benefits delivered by our dyno tuning runs are more than just an increase in top-end performance, but improved smoothness, responsiveness and efficiency in all riding conditions. In addition to measuring horsepower, the air/fuel ratio is monitored during every dyno run. This takes the guesswork out of fueling adjustments. The air/fuel ratio graph shows a rich/lean condition at each RPM during the dyno run. You will receive a chart with the horsepower and torque as well as the air/fuel chart. We can tune your motorcycle for great fuel economy while at cruising speed and maximum power when you need it.
Custom fuel injection map – $250-$300 (Turbo and Nitrous Call For Pricing)
-Base HP Run – $85.oo
Jet Kit tuning – $100 per hour-Most bikes 3hrs
Dynojet Power Commander USB – $325.00
Dynojet ignition modules – $324.95
Dynojet Quick Shifter – $249.95
-Advanced mapping done every 250 rpm
-Air fuel mix adjustment
-Exhaust/ air filters
-ECU Re-flashing
You can rent our mobile dyno machine for any event Please Contact us for more information.
Samples of in house dyno run performance numbers
2004 Suzuki GSXR 1000
Dyno Run 1:
• Yoshimura Tri Oval Bolt on Can
• K&N Air Filter
Dyno Run 2:
• Micron Surpent Full System with Ultra light Titanium exhaust.
• Power Commander
• Custom Map by Warren Baker


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The event listed here is not offered by WillBees and is provided solely at the request of its organizers. Contact the organizers directly with any questions or concerns.Date: July 21, 2018
Get buzzing and discover the amazing world of honeybees! Learn how bees make honey and see firsthand how honey is extracted. Try your hand with the hot knife or extractor and have a taste of wild Lyman Woods honey.
Activity number Date Time Fee
#384004-01 July 21 9:30-11:30 am $18/family
Location: Lyman Woods Nature Center
901 31st Street
Downers Grove, IL 60515
Register at http://www.dgparks.org
Meetings are 7-9pm at:
Will County Farm Bureau 100 Manhattan Rd
Joliet, IL 60433
Show map


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We are close to Eroica path!
For all cycling enthusiasts Villa di Sotto offers beautiful trails in the beautiful Tuscany accessed directly from our hotel.
You will stay as our guests and enjoy, in addition to the verdant landscapes, food, wine, culture and history of our country.
Enjoy your trip with the one you love!
For several years Villa di Sotto is a meeting point for all sports and nature lovers and the good life!
The Eroica is a cycling event which takes place since 1997 in the province of Siena, which has the particularity to recall the cycling of the past, with routes that take place mostly on dirt roads with antique bicycles. Usually it held the first Sunday in October.
The event is open to everyone, but are awarded with the degree Heroic those cyclists taking part with a vintage bike, whose criteria are set by some of the peculiarities of used bike ride up to the eighties.
The building, restored without modifying its original aspect but equipped with all modern comforts, offers apartments and rooms, the latter with bed and breakfast service. The courtesy and the hospitable spirit with which you will be welcomed to enrich your stay in Villa di Sotto, and allow you to discover the secret of the beauty of the Chianti and all of Tuscany.


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Many of our readers will know that in Africa, among many cultures, a bride price is paid for a woman when she gets married. This is a custom that has been practiced for as long as we can remember. When a young woman finds a suitable partner to marry, a ceremony must take place and paying a bridal price or "lobola" is an integral part of that ceremony before the "white wedding" or traditional western wedding can go ahead.
The celebration includes festivities that range from slaughtering a cow, to praising of the ancestors under a marula tree, to the mothers and aunts of the community preparing food together in celebration of their "daughter" becoming a woman.
Now, while I myself am a proud modern woman, I am also a traditionalist. I have been through the process of "lobola" and I see value in a slow process of courtship where families get to know each other, break bread with each other and celebrate the symbolism of two people and two families coming together, while at the same time respecting the practices of our ancestors.
And so I was interested: How many woman like me see lobola as an important symbolic tradition, and how many see it in more economically practical terms?
Are our "born-free" women studying in order to raise their lobola price?
I posed the question to some of our Bridging Academy students. Here is what they had to say:
With no disrespect to the beautiful traditions that colour our cultures so richly, these answers are incredible. These are young women who are looking at their journey forward as something that they are in control of.
It's a small shift and the significance may be missed on some. But think about it – in a globalised world, us rural women often have the hardest time. We sit in that interstitial space between the past and the future. In the media we see the future, we see where the empowered woman has got to, but because of our distance from the apex of the arrow, we're sometimes stuck with expectations that spoil the way that we think of our ourselves.
To hear this sample of women talk about their future and their ability to shape their own path forward – that's progress. The fact that they (and I) can do that while still making our grandparents proud – that's something of an achievement.
They're not married yet, but these girls have become women. They don't have to wait to get married for that to happen.
Written by Accolade Ubisi.


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OIMB Publications
Browse by
This collection contains publications sponsored by the Oregon Institute of Marine Biology.
Recent Submissions
Distribution, abundance, and feeding habits of seabirds off the Columbia River, May-June, 1982 (University of Oregon Institute of Marine Biology, 1983-01)
An identification guide to the larval marine invertebrates of the pacific northwest (Oregon State University Press, 2001)Contents: Porifera : the sponges ; Cnidaria (coelenterata) / Steven Sadro -- Platyhelminthes : the flatworms with an emphasis on marine Turbellaria / Alan L. Shanks -- Nemertea : the ribbon worms / Keven B. Johnson -- ...
Sand, sea, science : the Oregon Institute of Marine Biology (University of Oregon Libraries, 2003-07)The physical exhibit "Sand, Sea, Science: The Oregon Institute of Marine Biology" (Knight Library display cases July 7-October 3, 2003) acquaints viewers with the teaching and research programs at the Oregon Institute of ...
10th Deep-Sea Biology Symposium (Oregon Institute of Marine Biology, 2003-08)
Oregon Estuarine Invertebrates: An Illustrated Guide to the Common and Important Invertebrate Animals ([Washington, D.C.?]: Fish and Wildlife Service, U.S. Dept. of the Interior., 1983)
The Oregon Institute of Marine Biology (Ecological Society of America., 1997-04)


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Really simple and easy UI, and the ability to change mapping on the fly is really nice. I also use the 'Raw View' to grab bits of the data in the CSV that I need to import into other applications, just because it's right there.
A way to easily/quickly batch process multiple files would be nice. Maybe some sort of tool to adjust delimiters would make this a really nice swiss army knife tool.
It's a really specific use case, but there's pretty much no reason not to use if this you're using Quickbooks. The learning curve is pretty short, though some sort of familiarity with
Saving us a ton of manual effort on the accounting end of things.
Easy to use and effectively saves us annual QuickBooks fees for features we don't require.
I cannot think of anything I dislike about the software.
We don't use payroll so we thought why pay for an annual update when it's working fine for our needs as is. But we were surprised when our bank download stopped working. We researched the problem and discovered it was because we couldn't refresh the banking institution information (even though nothing had changed) as we weren't paying Intuit support. CSV2IIF allows us to continue to bring in our bank transactions without having to be pay Intuit annually.
Less time consuming than some of the other Programs out there for converting files to iif for QuickBooks importing.Also much easier to set up on computer.
Multiple steps required- You first download your credit card statement , or fuel card statement (etc and so forth) into excel for review- then convert to CSV delimited- Then upload into csv2iif- then convert- then open iif file as an excel- clear the second "NAME" field- then you have to be in single user of Quickbooks before you can import.
Much easier than EZcredit Import.and other paid programs. Any IT tech can map your credit card, fuel card, etc statements from CSV for converting.
We have many different credit card accounts, and this program enables me to process with Intuits licensed " iif file format.
We post hundreds of deposits into an excel sheet. By using CSV to IFF we can in one fell swoop post all of the deposits to Quickbooks. I estimate this saves us 10-15 hours of data entry per month. Not only does it save time but it also is easier to spot check work and so it reduces clerical errors significantly.
Nothing, great product and nothing to dislike.
It helps us to post deposits from an excel sheet.
The software is simple to set up and use. Another thing I like is that the conversion to iif is pretty straightforward and accurate
There's really nothing to hate about this product; it works as it's supposed to
We use it to convert csv files to iif so they can be imported into Quickbooks
The field mapping was impressive and easy to use.
I can't add a column with the same value to the file. I wanted every row to show the same value in a certain column, but that value wasn't in the original file.
Make sure that its functionality meets your needs before paying for it.
I was trying to convert a CSV from a payment processing system to an IIF that matched my Quickbooks accounts. I got it close enough that I could do the rest of the conversion manually using find-and-replace text, but it was still tedious. I was hoping for a complete solution.
Cost effective, very customizable and flexible
Somewhat difficult to match fields up
import spreadsheets to QuickBooks and Quicken
Easy to use, and works exactly as advertised. When you need a specific file converted G2 has you covered.
Product is a little expensive for the casual user. Although this was the only product that performed flawlessly.
I need to convert some quickbooks files ASAP. I tried other cheaper products that did not work properly.
Not much to like given it did not work as I needed
Hard to use... Never really needed it... Buyers remorse
Not for migrating between QuickBooks versions.
I was trying to go from an old QuickBooks version to a new QuickBooks version via export import. Bad idea. Punted the whole thing
Ease and price. It was easy to download and install
Could have more features and be more intuitive
Upload bank files to quick books


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Coming out of my previous mishap with my work, I am starting to push on a bit stronger. The work that I missed over those two weeks did seem like a lot at first, but after consulting with my mentor and examining it throughly, I have been able to make some considerable dents in working to completing it. I am now on a six week plan of writing. Each week has a different sort of theme, whether it be sound, sight, or some other sense, and a number of prompts within each one. Because of my late start on it, I have combined a few weeks and interchanged some of the prompts. These exercises however, are significant to each other in a numerical order, so I can't skip ahead or fall behind.
Now that I have finished the art portion of my independent research, I was planning on having a considerable amount more time to complete these writing assignments but I am finding to be almost as badly pressed for time as I was before. I am confident though, that I will be able to complete all of my work in a timely fashion in the few remaining weeks we have left to do this project. Along with that, I thought I would share a small part of one of my exercises. This one had to do with describing the most beautiful or peaceful place I had ever experienced, and this is the first paragraph of that (mind you, it's only an initial draft):
Dusk clung to the dunes, whisking along a mist that floated on the breeze and engulfed what it touched with unknown shades of gray. The distinctive sound of waves pounding relentlessly against the sodden beach added a sense of rhythm to the surrounding air, lending to the image of a heart beating within a giant living organism. The water shimmered, the faint reflections of the stars just starting to peak out of their daily hiding act. The brisk air smelled of salt, burning the nostrils ever so slightly yet flowing into the lungs with a fresh rush of satisfaction. The picture it creates is one of deep connectivity and understanding, but the sense of wonder that lies beyond the crashing water is ever present. It is a mystery filled expanse of peace.
Thanks for reading!


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Zola Jesus – Conatus
(Sacred Bones, 2011)
Don't let the album artwork fool you, Nika Roza Danilova is still making dark, gloomy music as Zola Jesus. Stridulum was one of the most exciting releases from a young artist in 2010, and while Conatus is just slightly less addictive, it is worth checking out. Her hair might be blonde now, her home might be a little more inviting, but there is still something slightly creepy about the caliginous secrets she whispers in your ear. Another win for Sacred Bones.
Zola Jesus – Vessel
Full Reviews:
A.V. Club


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"You will finish it." A loud clanging voice of a female dragon set apart the tranquil sound of
the rain falling ever so calmly.
Azrael conjured the embers across his whelpish maw before they fuzzed out in the rain.
"I can't do it with this rain, mother!" Azrael laid a larger thud on the latter of his sentence,
feeling hopeless in his endeavor.
"You will succeed, Azrael. This world has no place for those who gives up, those who
accept being weak. If so, you are worthless."
That feeling Azrael's mother invoked in his spine gave a chill. Azrael never wanted to disappoint anyone,
let alone his own mother. Azrael was cold, freezing in the twilight's rain,
where he had been trying to conjure a fireball at the age of only a few days.
Azeliastrasza was a ruthless woman, but she was also the very person that made sure, the whelplings
survived the harsh environments and the threats that loomed Azeroth in a time of uncertainty.
She had no patience nor tolerance for any complacency.
Azrael landed head first into the mud as Azeliastrasza had moved forward her talon against the young
whelpling's back, effectively pushing him into it.
Azrael turned his head up from the mud, it would now be even harder it would be to summon this fireball.
With his face drenched in mud, the embers would certainly be even harder to manifest.
He glared backwards at his own mother. A mix of emotions of anger and fear filled his young mind.
Azrael realized now that these very emotions were fueling him. The embers arising like flares, his teeth
and his immediate surroundings brightened up in the heartbeat light of his flames. The hatred he felt for
his mother now became his fire. His burning hatred.
Then sounds of creaking woods filled the valley, the oak tree had been felled.
Azrael in a span of only a few days old had done what others of his clutch had not even been able to summon a sliver of.
The satisfied expression of Azeliastrasza filled the dark brims of the twilight's gaps.
"I hate you." – Azrael thought on. But in his deepest parts of himself, he knew what his mother had done. She had wanted this,
she had wanted him to become this and feel like this. He was manipulated, his being toyed with. But Azelia never needed
him to like him because she was his mother, she needed him to survive and bring on her legacy eventually.
Azrael vowed in return, he would never continue her legacy. Never give her, what she wants.
This filled Azrael in return with a sense of satisfaction, knowing his mother's cruel methods will never define him.


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Welcome Families,
My name is Scott Zeigler. I have been teaching with Livonia Public Schools since the 2003-2004 school year. I started with the Cooper Center program and followed the program to Riley Center during the 2006-2007 school year. In 2013 I taught at Churchill High School in the RCR. I moved to Johnson Upper Elementary Center in the fall of 2013. I earned a Bachelor's of Science from Eastern Michigan University with a major in Special Education, Emotional Impairment, and a minor in Fine Arts. I earned a Master's Degree from Wayne State University in Educational Psychology.
I have been married since 1999 and I have three children, a girl and two boys. I enjoy coaching my children's soccer and baseball teams, walking our dog, and home improvement projects. In the summer I enjoy swimming and camping with my family. I also work as a camp art teacher at a summer camp in Bloomfield Hills for special needs students. I have been a part of that camp program since I was a freshman in high school.
At Johnson I enjoy teaching all subjects along with a social skills curriculum. My students work hard to earn points and positives as apart of a positive behavioral support system. The students demonstrate appropriate skills and move up through our level system. They have the opportunity to earn rewards and privileges as they move to higher levels. My students have the same opportunity to participate in activities and clubs. Please check the school website often for activities and events coming to Johnson.
Go Jayhawks!
Keep Calm and SOAR!


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Posted by : Unknown Friday, April 24, 2009
Couple of different things happened in the gaming world today, and here are a few:
Halo 3 Double XP Weekend- Living Dead (Infection)
Street Fighter IV gets a ""exciting new Championship Mode and Replay download functionality to Street Fighter IV." It's Free Too!
Gametrailers TV Aired yesterday, debuting exclusive trailers for Prototype and Madden 10.
Check Back Saturday for some more gaming content. Have A good Weekend!
Daily Wrap UP
Related Posts :
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- Daily Wrap UP »
- Daily Wrap Up


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Taylor Swift Turns 23!
The 22 singer turns 23 today and if we know anything about Taylor Swift's style it's that she loves to rock the dots! Though the girly-girl has been known to wear lots of stripes and florals, her true affection seems to lie with polka dots. Click the pics to see a few of Swift's spotty style statements, and leave her a few birthday wishes!


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Today I take you to visit my SIL, Patrice, her husband Jim and their beautiful place on North Captiva Island. Patrice is a natural at landscape design, and has a love and curiousity for plants. She's constantly experimenting, moving, pruning, adjusting, and maybe most of all keeping the jungle tame. Her landscape is wild, full of native plants, but also perfectly manicured…its all in the details, right Pat! As you walk up the road, and approach the house, a hedge of croton grabs your attention.
The color is so intense and rich:
A view of the garden when approaching from the opposite direction:
Wandering towards the pool:
In the above photo you can see the backside of the night blooming cereus. Move around to the front:
Looking across the pool, to the sea grape tree:
I love the sea grape, it grows in interesting and weird contortions:
Wandering down the paths, Christmas palms and crown of thorns:
This is just a sampling of the interesting plants and well thought out design of Patt and Jim's tropical garden—called "Island Greens". Patt, just stay away from those fire ants, okay???


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Locally owned Southern Blinds & Shutters offers window covering sales and installation for the Greater Baton Rouge area.
Be the first NOLA.com user to add photos or videos of Southern Blinds & Shutters
Wood & Faux Wood Blinds, Specializing In Plantation Shutters, Mobile Showroom, Hunter Douglas Priority Dealer, Free Measuring & Installation, Bamboo & Honeycomb Shades


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Silvertown Quays set to become 'innovation hub'
by Jim Dunton Wed 12th June 2013, 2:15 pm
Part of the Royal Docks is set to be redeveloped as a £1.5 billion "innovation hub" that will boast a cluster of brand pavilions, London mayor Boris Johnson has confirmed.
Under an agreement reached with developers Chelsfield Properties and First Base, 50 acres of Silvertown Quays will be redeveloped as a housing, business and leisure district with the destination attraction of a purpose-built showcases for some of the world's most famous brands at its heart.
Announcing the development agreement this week, Johnson said the scheme would create more than 9,000 jobs, and bring more than 1,500 new homes to the site, along with incubator space for fledgling firms, premises for technology businesses, new shops, restaurants and leisure attractions.
At the scheme's centre will be a "grand avenue" of brand pavilions, that will be marketed to some of the world's biggest firms as showcases for their latest products and research. The proposals also include the construction of a new bridge linking the quay with the ExCel exhibition centre.
The Silvertown Partnership - a consortium created by Chelsfield and First Base to deliver the project - said Munich's BMW World, Dublin's Guinness Storehouse, and South Korea's Samsung Experience were examples of the kind of firms envisaged for the development.
Johnson said the deal, which follows on the heels of last month's agreement to set up a new business district with ABP China at another site in the Royal Docks, demonstrated that the area's regeneration continued apace.
"The confirmation of this deal to return Silvertown Quays to its former glory will bring thousands of new homes and jobs back to East London," he said.
"It will also make the Docklands a visitor destination, helping to unlock the economic potential of surrounding areas."
Elliot Lipton, managing director of First Base, said stand-alone brand pavilions had been built around the world for the past decade but that Silvertown would be the first time that a brand park has been developed.
"Brands are constantly seeking flexible, large-scale and accessible spaces to develop high value brand encounters with their audiences," he said.
Newham mayor Sir Robin Wales said Silvertown Quays were "ideally positioned" as a gateway to the rest of London and to Europe, with access to City Airport and the London transport.
"This proposal will help to unlock future developments and investment," he said.
The Silvertown Partnership said it expected to lodge an outline planning application for the scheme within the next 12 months.
It said construction was expected to begin on-site in 2014-15, with the first businesses opening in 2017.
Latest News
Interview: James Bishop from U+I
Ealing Council's leader to join panel


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New Delhi, Mar 8 (PTI) Amid a political crisis in the Maldives, India today said it is closely watching the evolving situation in the island nation which was a "close and friendly" neighbour.
Responding to a question in the Rajya Sabha on whether the Maldives closeness to Beijing and socio-political clout of Islamic radicals in that country could jeopardise Indias interests in the region, Minister of State for External Affairs V K Singh said, "The government keeps a constant watch on all developments having a bearing on Indias security."
In a written reply, the minister said, "The government has been closely monitoring the evolving situation in Maldives. As a close and friendly neighbour, India wishes to see a stable, peaceful and prosperous Maldives that meets the aspirations of the Maldivian people."
India is close touch with its "key partners", including the United States, on the recent developments in the Maldives, Singh added.
President Abdulla Yameen declared emergency on February 5 after the Supreme Court ordered the release of a group of opposition leaders, who had been convicted in widely-criticised trials.
Among them was exiled ex-president Mohamed Nasheed. The court said his trial was unconstitutional.
The emergency was extended for another 30 days on February 20. India had expressed "deep dismay" over the Maldivian parliament accepting President Yameens recommendation to extend the state of emergency by another 30 days.
There has been international condemnation of the Maldivian governments moves, including the imposition of emergency. PTI PR PR SC SC


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HAYLEY MILLS (1946-Present), born Hayley Catherine Rose Vivien Mills in London, England
The Parent Trap (1961) was my first Hayley Mills film. It aired on television in black and white and edited form to allow time for commercials. I was fascinated by the idea that one person could play twins, what's more that both characters could be on screen at the same time. The film was both funny and charming. I enjoyed talking about it the next day with my friends at elementary school. It was much later that I learned of the film's use of split screen techniques and a body double. Despite this knowledge, the magic that the film possessed did not diminish. I found myself watching it again and again, each time finding something new and endearing, as I aged with the film. It wasn't until I watched The Parent Trap on DVD that I saw those missing scenes that Disney and sponsors had found acceptable to delete. I had no idea, for example, that Maggie McKendrick (played by Maureen O'Hara) sang to her daughter the song that played on her first date with Mitch, her girls' father. This heartwarming film grew to be one of my favorite family films. I went on to watch Hayley Mills in other films. Listed here are some of my favorites. I hope that you will find her as captivating as I have.
Haven't you seen The Parent Trap (1961)? This is a Disney film that I never get tired of seeing. Here Mills plays two parts, each half of a set of twins with a mission to get their parents, played by Maureen O'Hara and Brian Keith, back together.
Watch this and then see these other four films.
Pollyanna (1960) This is an uplifting Disney film about the good example of one child making a difference to an entire town, simply by spreading good cheer.
The Chalk Garden (1964) Here Hayley Mills plays a troubled youth with Deborah Kerr, her governess, out to help her.
Summer Magic (1963) I like the locale, Maine in the summer. I like who's in it, Hayley Mills, Dorothy McGuire and Burl Ives. I like the story, family life on a shoestring. I like the music. "On the Front Porch" is a lovely song.
That Darn Cat (1965) This is a funny story about teenage Hayley Mills helping F.B.I. agent Dean Jones use her cat to find a kidnapped woman.
*Contributed by: "Elizabeth Van Cleve Randolph" Date: Fri, May 18 2001 / 08:22:11 PST
Academy Awards®
1960 Honorary and Other Awards: For POLLYANNA, the most outstanding juvenile performance during 1960. Winner presented a Miniature Statuette.


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High school students can become better prepared for college through a free online course being administered by Marshall University, reports the Associated Press. Marshall's Technology Outreach Center is offering the non-credit course, called "How to Succeed in College," at any time throughout the school year to students, counselors, and teachers. Among the topics covered in the course are choosing a major, financial aid and scholarships, critical thinking, copyright laws, study and test-taking skills, time management, internet tools, and stress management. To register for the course, students can go to www.marshall.edu/occhs/success.
Marshall offers free online college-prep course
By eSchool News
August 27th, 2009


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ZUTA, a small and intimate cocktail bar,next to 1868 restaurant by chef Yankale Turjeman.
The cocktail menu which was created in collaboration with the mixologist Amit Gilad, is built on quality alcohol and ingredientsthat are made in house.
The bar is open Sunday - Thursday from 18:00Saturday - an hour after Shabbat.For reservations 02-6222312


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Post Office launches talking cash machines
The Post Office is introducing talking cash machines for people living with sight loss as part of an upgrade to its ATM network. The upgrade will take place over the next six to nine months.
Customers will be verbally guided through their transactions
The speech-enabled machines will allow customers to plug their own earphones into the machines and be verbally guided through their transactions. They will input their PIN and select the service they require using a numeric option on the keypad.
The introduction of talking cash-machines follows the Make Money Talk campaign by the Royal National Institute of Blind People (RNIB), making cash machines more accessible to the 360,000 people in the UK registered blind or partially-sighted.
Fazilet Hadi at RNIB, says: "Making ATMs accessible to blind and partially-sighted people is a welcome development. For too long people with sight loss have been denied the same independent access to their money that most people take for granted."
- For more money-saving tips, pick up the latest copy of Yours magazine


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I see a big cat lying there facing the sun. Right below the sun ends his tail and the darkest part shows his ear. Can you see it?
"Life is a great gift. Even if not grand at all times, it is still the only reality we have. Make it all you want it to be and you will have led a good, and above all, happy life." – FNM


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Green Chair 100% recycled & recyclableDesign Javier Mariscal
The Green chair is a project created with the engagement to improve the quality of life & planet preservation. For public spaces in hospitality, contract and libraries and education equipment.
Recycled polypropylene seat and wooden or metallic structure.
Product 100% recyclable and 100% recycled. (light grey and black versions)
Coloured chairs (Orange, Green, White or Yellow) are 100% recyclable.
Metal frame is in black (RAL 9004) or Grey silk (RAL 7044). Wooden frame is Beechwood.
w500 x d500 x h790 mm seat height 460mm


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Witheld rent due to maintenance.
My boiler has recently packed in and i need a new one installed which is taking place right now.
Unfortunately my Tenant seemed more preoccupied with saying that as there is no heating, they will need to go stay in a Travelodge. Although they have temporary heating, and the hot water is ok, the central heating is off and so they dont want to live there. I didnt argue too much with this as the weather has been very cold and they have a 1yr old child. I said that, as is mentioned in the AST, if they have to move out whilst a repair is being done then the rent doesnt need to be paid. This works out pro-rata to £36/day.
They are now saying that travelodge charges more than £36/day and are implying that i must meet the extra cost.
Does anyone know whether this is correct, or have any ideas suggestions on this matter?
Want to read more?
This is a members only forum, if you want to read more you need to login to your membership, if you are not a member, click here to join.


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I've been wondering for a long time, what term do japanese use for "Guitar Tabs"?
I guess this is because although I listen to a large variety of JRock, JPop and other Japanese artists, finding guitar tabs for them is a pain and difficult.
So far the best sites I found were mysongbook.com which uses GuitarPro tabs, but has a decent amount. and other artist specific sites like for Do As Infinity and Asian Kung-Fu Generation.
Does anyone know what name is used for Guitar Tabs in Japanese websites (or what term to use to search for them on a search engine), or any good Japanese websites with many different guitar tabs? All I know is my basic kana reading ability along with the translation tools and a kanji to romanji translator available online will help me navigate around ^^


text: The Content Authority is very, very similar to Textbroker. And since Textbroker is so popular and the sites are similar, I decided to create a review of The Content Authority for writers who may be interested in signing up. If you would love to get paid to write from home and you don't mind ghostwriting, this is a site you might… Read More


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"A people without knowledge of their past history, origin and culture are like a tree without roots" – Marcus Garvey
I work in a business where there is a substantial amount of technical debt left behind by legacy applications created in technology stacks that are typically not in line with our current technical approach. What this means that we are bound for the health and welfare of the business to continue to support and maintain them as some are business critical and invest in moving them forward so that their lifecycle can be reset.
Many of these applications were built without the consideration of what a lifecycle of software actually is and how to monitor its growth, ROI and decline. The intention behind them was that the skills and expertise needed, at the time of inception and creation, were viable technical approaches of the time and that they felt significant confidence to retain those skill sets for support. This is not uncommon in business at times and usually gives rise to those "dark matter developers" who become deep system experts and just keep the wheels running in the background. I point this out not as a complaint or contention of their motives, even though I might disagree, but to say that all software, no matter how amazing it is has a lifecycle. And by ignoring this fact we place ourselves in jeopardy of creating debt in the future.
Just like driving a new car off of the show room, once it begins receiving use, wear and tear occurs and only routine maintenance extends its lifespan. Software is no different. Where we have a transportation infrastructure that supports the base car design, with effective maintenance we can actually extend probably well beyond projected lifespans the life of a vehicle. However, this analogy becomes more closely coupled if we think about something like an ambulance. A vehicle that is required to perform a task that supports the end goal of ensuring people arrive at the hospital safely and sometimes within a critical need for reliability. These vehicles are on a life span. We do not even think about having a "dark matter mechanic" that is the only one that knows this ambulance model that can fix it if broken down in a critical situation. Routine maintenance and routine retirement of these vehicles to be able to effectively meet the business need is performed.
This is the same zone that I see software within. Attention, care and feeding and intention to transition should occur. It's necessary to protect the business aspects of which it is supporting. Where it may be a longer lifespan than an ambulance, it is still a critical need.
What I have seen, even from myself, is often dislike of the aspects of supporting these legacy systems. While they are often far beyond their lifecycle, it's our responsibility as service to a business being successful to keep them running but effectively plan for their retirement or transition. I have witnessed, and probably been guilty of in my past, of complaining about the past and the problems it presents as opposed to looking at it from a more objective viewpoint of business support and use a more strategic approach to thinking about how to determine its state in the lifecycle and how we can optimize support and maintenance while planning to remove the debt of sometimes bad or dated technology.
Ways of Dealing with Legacy Applications
I have read several articles about this subject and one gave some good suggestions and the consequences of each. As I cannot recall the exact article, forgive me for simple paraphrase. When approaching legacy application debt, there are a few immediate choices:
- Isolate it – Move the application in a more virtual space to enhance recoverability. This still requires, depending on the stack, keeping certain skills on hand for support and maintenance but does allow you to use virtuals of production environments to test impacts in isolation.
- Modularize it – Start examining the underlying architectural structure and see if you can begin abstracting and replacing the logic and data layer tiers. This still means for a period, you have to maintain support in potentially a older tech stack but you begin addressing large areas of the backend to try and move it into a larger more supportable space if possible. This allows the presentation layer to stay preserved but you are still modernizing the business logic and data structures. This can be significant and daunting work but hopefully is least disruptive to the business.
- Ignore it – This is a model that businesses often choose and the end result is often critical failure that results in lost reputation, business and effectiveness. Using this model means you retain skill sets for which the market is sometimes small or non existent or the complete opposite in which you pay astronomical prices for contractor or service support just to ensure the application stays viable. Some people choose this option as it is easier to complain and some consider that often our career lifecycles with a given company are shorter than the concern of critical failure. In other words, we leave it for the next people to deal with. This is a bad plan.
This is not an exhaustive strategic approach to addressing legacy technical debt. Just three brief strategies that I read and found interesting.
Supporting Legacy Application Debt
What my largest focus is on personally is the cultural approach that we convey when approaching legacy application support and maintenance. I have caught myself on many occasions lamenting the design, implementation and current state of an application only to realize that something has to be done to resolve and issue. The image I used for this post is something that I came across that gave me some perspective on how I should look at legacy support to have a healthy outlook on its support and maintenance (and not abandoning the idea of its lifecycle and care and feeding).
In support legacy applications for a business a healthy outlook is to consider 3 central ideas:
Humility – This code was not likely purposely written to be poorly designed, unsupportable or confusing. A team of people created this program to support a business need of the time based on the skills and abilities they possessed to meet that need. In support of these applications, we often dwell on the implementation of the past without realizing that in the future our code will be supported by someone else as well who may levy the same critical eye. How many times have I written a piece of code or script only to return to it much later and wonder "what was I thinking" as I went through the code.
Ownership – Like it or not as the arm of the software maintenance and support group, we now own this software. Embracing that ownership in an agile manner means as the owner we search for improve opportunities that allow us to make it stable, reliable and maintainable.
Commitment – Again, as the owners of this code base and being an agile organization, we take commitment seriously. We have made a commitment to ourselves and to our business to do the job we are hear to job to achieve the highest value for the business. Part of that is often getting into the deep and murky waters of an older code base upon which the business has dependence. Our commitment to deliver the highest value should be just as solid here as when we make a commitment to deliver that next sexy market grabbing innovative product. We approach challenges as opportunities to learn, grow, expand and bring value addressing the need.
Again, I am not saying that we should accept legacy technical debt and bury our heads in the sand. We absolutely should learn to effectively define and manage product lifecycles and optimize care and feeding while keeping a constant vigil as to where they are in their lifespan. But when we are faced with supporting legacy applications, how we approach that work, how we view the application in terms of the business and how we take base level ownership of the code can make a world of difference in the cultural perception of the support of these legacy items.


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Q. Is yogurt good for acid reflux ? A. Yogurt could be great for strengthening the stomach walls and digestive enzymes. It could help with acid reflux because of the.
Products such as Pepcid and Zantac, called H2 blockers, also help reduce the amount of acid that your stomach produces, alleviating reflux symptoms. Be sure to use antacids as directed; you should take them to treat occasional.
Nexium Is For Acid Reflux Nexium: Esomeprazole belongs to the family of medications known as proton pump inhibitors (PPIs). In adults and children, it is used to treat conditions such as reflux esophagitis (tissue damage caused by stomach contents flowing back up the esophagus) and symptoms of gastroesophageal reflux disease (GERD) in. treatment), nonerosive reflux disease, and Zollinger-Ellison syndrome
Read about a stomach ache and abdominal pains, including stomach cramps or a dull ache in the tummy (abdomen).
Apr 27, 2010. Tried-and-true treatment: Eat a little something, and stay hydrated. "An empty stomach can worsen nausea because there's nothing to absorb all its acid and juices," says Joy Bauer, RD, WD contributor and author of Slim & Scrumptious. " Try to eat something small every 2 or 3 hours, and keep plain crackers.
When someone is affected by stomach problems such as bloating, heartburn, gas, and indigestion, the assumption is to take an antacid or other similar over-the-counter.
Here you can read posts from all over the web from people who wrote about Back Pain and Low Stomach Acid, and check the relations between Back Pain and Low Stomach Acid
A likely cause of stomach pain after eating is an ulcer. An ulcer is a deep, open sore in the stomach or intestines. The reason for stomach pain may be food or.
One thing several of them agree on is that most stomach digestive problems are not caused by excessive acid! This is exactly the opposite of the prevailing practice in medicine, which is to prescribe a boatload of antacids for almost any stomach ache or pain. We are persuaded by the arguments presented by the following.
Gerd Bauer Heilbronn Finden Sie alle relevanten Informationen zu Dipl.Ing. Gerd Bauer im Stadtbranchenbuch: Adresse Telefonnummer E-Mail Öffnungszeiten ★ Bewertungen Tums And Stomach Acid Reaction With Bicarbonates En Tired Of Re-Dosing Antacids? PEPCID COMPLETE® Starts Working In Seconds & Lasts. I would like to use this example in a paper, but I cannot figure out the exact chemical
Will A Dog's Stomach Acid Dissolve Metals Supermarket RebelMouse is the best CMS 2017 and #1 WordPress VIP alternative. See what makes us so fast, and why you should re-platform with us today. I don't think (infact I know) that heart burn is not caused by "tainted acid". Heartburn is caused by an incompetent esophageal sphincter that allows your stomach. As well as
Food passes down the gullet (oesophagus) into the stomach. The stomach makes acid which is not essential but helps to digest food. Food then passes gradually into the.
Jul 26, 2015. [Below is my transcript of my video on how to naturally heal low stomach acid, along with supplemental information on the topic.] Today, I'm going to talk about natural remedies for low stomach acid. The truth is, your stomach must be highly acidic to break down the food you're consuming and for proper.
Does your stomach hurt? Find out more about the possible causes of stomach pain and tummy trouble in general.
Dyspepsia — commonly known as indigestion — is a catch-all term for pain or discomfort in the upper abdomen. Everything from stress to certain painkillers can cause indigestion, but with treatment and some basic lifestyle changes, most people find they can be free of it. If you have persistent stomach trouble, schedule an.
Heartburn, regurgitation, and dyspepsia are a few of the most common acid reflux symptoms. Symptoms of acid reflux may be a sign that stomach acid has inflamed your.
With too little stomach acid, also called hypochlorhydria, 2 important factors lead to GERD and acid reflux. The first is bacterial overgrowth. Stomach acid acts like the police of the digestive tract. It keeps the riff raff out. When you don't have enough you can get overgrowth of bacterial species that cause problems like copious.
Jun 29, 2009. Misdiagnosis of bile reflux and failure to control it can result in serious, sometimes life-threatening problems — stomach ulcers that bleed and Barrett's esophagus, a possible precursor to esophageal cancer. Yet misdiagnosis is common, and even when the condition is properly identified, doctors are often.
Stomach Acid and Throat Problems Been hoarse lately? Or perhaps you've had a chronic cough despite having given up smoking years ago. Then again, maybe you're a.
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Treatment. Reducing the amount of acid in your stomach will help alleviate gastritis and allow the stomach lining to heal. Medications such as over-the-counter.
The cause of that is acid, which comes up from the stomach through the esophagus and splashes around. equipment to look down your throat to determine the cause of the pain and irritation in swallowing. A mirror can be used in this.
Put simply, alcohol irritates your digestive system. Drinking – even a little – makes your stomach produce more acid than usual, which can in turn cause gastritis (the inflammation of the stomach lining). This triggers stomach pain, vomiting, diarrhoea and, in heavy drinkers, even bleeding. Find out more about how alcohol.
Aug 29, 2016. The poll, released ahead of Gut Week 2016, also found other regular complaints include indigestion (28%), heartburn (26%) and abdominal pain (24%). Dr Anton. Symptoms: Stomach cramps with repeated diarrhoea, nausea and vomiting, sometimes accompanied by headaches and a high temperature.
The buildup of acid in your stomach can cause an unpleasant burning sensation, among other problems. Indigestion sometimes occurs, and the acid can also.
Heartburn, indigestion, GERD – UC Davis Health – "While antacids partly alleviate symptoms, they may also mask more serious problems." Some people have pain from the esophagus that mirrors chest pain and looks to the entire world like heart trouble. Other people may have stomach acid that spills over and causes inflammation of the vocal cords, leading to chronic.
Symptoms of gastroparesis includes abdominal pain. Smoking has been linked to a variety of disorders of the stomach. Tobacco is known to stimulate acid production.
Nonulcer stomach pain is burning stomach pain or other ulcer symptoms with no detectable cause. A range of treatments can offer relief.
Feeling upper abdominal pain? Stomach Pain or Hepatitis C? Search More Here.
This occurs when the stomach contents, including acid, flow backwards up into the chest and throat. "They present with burning pain that comes and goes and.
Apr 27, 2010. Tried-and-true treatment: Eat a little something, and stay hydrated. "An empty stomach can worsen nausea because there's nothing to absorb all its acid and juices," says Joy Bauer, RD, WD contributor and author of Slim & Scrumptious. " Try to eat something small every 2 or 3 hours, and keep plain crackers.
The stomach produces approximately 1.5 liters of gastric secretions in a day. It is highly acidic due to presence of hydrochloric acid. The stomach has innate.
How to Reduce Excess Stomach Acid. Your stomach is full of naturally produced acid that helps break down food and protects the GI tract from infection. But, excess.
I have been suffering quite badly for 6 months now with Chronic Acid Reflux and pain mainly under my left rib cage. I would describe the pain as a 90% constant dull.
There's nothing worse than feeling terrible after eating an amazing meal. Post-meal bloating, pain, diarrhea, constipation, a heavy feeling in your stomach, and.
discomfort or pain of the liver and excessive abdominal fat. It could also cause trouble in fatty food digestion and gallbladder removal. There are those who suffer.
Warning signs of internal bleeding include stomach pain, heartburn, or bloody.
WebMD experts and contributors provide answers to: DOES GERD CAUSE STOMACH PAIN
Optimal stomach acid levels are essential for good digestion. This article goes over 10 major ways to improve stomach acid levels naturally.
It sits in your stomach and ferments. This fermenting process causes the undigested foods to bubble and roll about, causing acid reflux. Acid reflux is caused when acid gets into your esophagus, and even a small amount will cause pain and discomfort. Taking an antacid in this case will cut the pain, but it will also insure that.
The family of drugs, which also includes Losec, Zegerid, Prevacid and omeprazole, is widely used to treat conditions in which excess stomach acid causes pain and bleeding, including ulcers, and gastroesophageal reflux disease, in.
Stomach pain is your body telling you that something is wrong. Here are three types of pain and the conditions could be causing them.
Many of the same things that contribute to gas also cause acid reflux. burning pain known as acid indigestion. but you may have some abdominal pain and.
Do you suffer from tummy trouble? Read our guide to determine. – Aug 29, 2016. The poll, released ahead of Gut Week 2016, also found other regular complaints include indigestion (28%), heartburn (26%) and abdominal pain (24%). Dr Anton. Symptoms: Stomach cramps with repeated diarrhoea, nausea and vomiting, sometimes accompanied by headaches and a high temperature.
How to Reduce Excess Stomach Acid. Your stomach is full of naturally produced acid that helps break down food and protects the GI tract from infection. But, excess.
and started feeling excruciating stomach pain. "When I went to my doctor they.
In 1824, William Proust, an English scientist, discovered that the stomach produced hydrochloric acid. Two years earlier, Alexis St. Martin, an 18-year-old fur trapper at Fort Mackinac in the Michigan territories, was accidentally shot in the.
Learn about gastroesophageal reflux disease (GERD, acid reflux, heartburn) symptoms like heartburn, chest pain, regurgitation, and nausea. Diet, causes, diagnosis.
Nonulcer stomach pain is burning stomach pain or other ulcer symptoms with no detectable cause. A range of treatments can offer relief.
i am a 20 year old female, i have been having pain in my upper middle abdomen for over a year now and burping a lot, shortness of breath at times, i have went to the.
Feb 21, 2014. Suffering from indigestion and stomach pain? Here are 6 common digestive disorders and how to fix them.
Gastroesophageal reflux disease (GERD), also known as "acid reflux", is a chronic symptom of damage to the mucus membrane lining of the stomach or the thro
According to The Mayo Clinic, acid reflux is "the backward flow of stomach acid into the esophagus — the tube. Every now and then, though, I still get a.
Both acid reflux and bile reflux may afflict the same person, which can make diagnosis a challenge. But the stomach inflammation that results from bile reflux often causes a burning or gnawing pain in the upper abdomen that is not felt.
WebMD explains what causes indigestion and how. You might have burning or pain in the upper part of your stomach, Avoid foods with a lot of acid,
Learn how to test for your HCL (or stomach acid) levels at home with easy tests you can do in your kitchen. Start increasing HCL levels today!
Excess stomach acid production can lead to upset stomach, acid indigestion, abdominal pain, bloating or intestinal problems. Many people experience acid.
Dr Husbands discusses low stomach acid, the underlying cause of common digestive problems, including GERD and indigestion. He also covers the misuse of antacids.
Acid reflux is a condition in which acid backs up from the stomach into the esophagus and at times reaching the throat, causing pain in the chest called heartburn, or a sensation of a lump in the throat. Heartburn may be mistaken for a.
In a resting state, the stomach's pH is around. including bloating, pain, and nutrient deficiencies. That is exactly what I see in my practice. And research now shows that long-term use of acid blocking medications cause kidney disease.
Heartburn usually causes mild to severe chest pain accompanied by a burning or tightening sensation and it occurs after eating a spicy and oily meal. A small circular muscle that lies between the oesophagus and stomach acts as the closure of the oesophagus after food passes into the stomach. Improper closure of the.
How to Use Home Remedies for Decreasing Stomach Acid. Stomach acids are necessary for the digestion of food. However, if too much acid develops in the stomach, it can.
Stomach acid (HCl) is one of the signals that closes the sphincter between the esophagus and the stomach. In medical gobbledee gook lingo we call this the lower esophageal sphincter (LES). When the LES is closed, digestion typically functions well, and we don't see problems such as indigestion, acid reflux, or heart burn.
Heartburn is the result of stomach acid splashing back into the esophagus. it can be embarrassing and often uncomfortable as it can cause stomach bloating and pain. Antiflatulence products help reduce gas buildup and its.
Chest pain, which occurs because stomach acid is splashing into the esophagus, is a classic acid reflux symptom. But the pain can last longer and be more intense than.
You might have diarrhea, abdominal cramps, and pain, but the classic symptom is blood in the stool. You recently took a lot of antibiotics of acid-suppressing drugs. You could have small intestinal bacterial overgrowth (SIBO), in which.
by Dr. David A. Jernigan. Low stomach acid can cause a host of issues in the body and is a major contributor to chronic unwellness. Many health problems we see at the Hansa Center are directly caused or at least aggravated by poor digestion, setting up food sensitivities, toxic food, metabolites, leaky bowel syndrome, and.
If you have acid reflux symptoms or other digestive issues, chance are you have low stomach acid. Here are five ways to overcome low stomach acid.
I've been suffering from debilitating stomach pain just below my sternum ,usually a few hours after eating. I've cut so many foods out my diet, I hardly know what.
Acid & Stomach Aches | LIVESTRONG.COM – The stomach secretes juices including hydrochloric acid (HCL) and an enzyme called pepsin. The acid kills bacteria that cause illness and provides an.


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The court battle between London and Uber for the right to run app-controlled taxis about the city has kicked off today, with the expensive lawyers beginning their opening arguments.
Although, well, nothing's happened yet other than another date has been set, and it's already good news for Uber. The preliminary hearing has said that the company's appeal against the pulling of its licence is to be heard on April 30 2018; so that's another four and a bit months of running it's service in the city as if nothing's wrong, as Uber is allowed to continue operating while the appeals process is ongoing.
Even better news for Uber is that judge saying this could be delayed until June, which in tech/app world is a time point so far in the future as to hardly exist. [Reuters]


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Author Archives: James Orefice
(Un)Stable Conditions
Our latest permission is a 13-acre horse farm in Burlington County, NJ. These stables are home to exactly 21 horses and the dedicated staff that ably cares for them. Now, when detecting a horse farm, there are several givens that the detectorist knows will be encountered: multiple gates to open and close to access each … Continue reading
Native American Lesson Learned
One of the main benefits of metal detecting is constantly learning new things through the objects you find. You may not, as they say, "learn something new every day," but certainly, it seems, you "learn something new every dig." On my last outing, I unearthed some notable items, including a William III copper coin (1694-1702), … Continue reading
Cool, Cob, and Collected
Recently, I embarked on a day-long outing to the South Jersey farm fields. This was a new permission of my friend's (to which he graciously invited me) on land directly adjacent to a separate property where I found my 1st Spanish cob (1620-1650). So, needless to say that I didn't need any further proof that … Continue reading
Few and Farthing Between
Some fields continue to provide great artifacts no matter how many times you scour them. This can be due to a host of factors: an expansive acreage that can never be precisely searched, changing ground conditions (e.g., erosion due to rain), the churn of the plow, etc., etc. So, it was no surprise to me … Continue reading
Newfound Hope
On a recent outing to an unplanted field in Salem County, NJ, among other finds (King George III copper, colonial tombac coat button, 1894 Indian Head penny) I located a colonial cufflink. As I unearthed it, I immediately noticed a crude design, which in my experience is often the case with 18th century cufflinks. At … Continue reading
Most Wanted… Found!
No matter what your hobby or interest may be, we all have those elusive, much-sought-after finds, goals, catches (think fishing), or items that we are hoping to someday cross off our personal bucket lists. For me, in my hobby of metal detecting, this was always the New Jersey state copper coin. Why the New Jersey … Continue reading
Detecting Against the Clock
Recently, I took to the farm fields for a full day of detecting given that the fields will soon be planted, which will signify an end to field hunting until November. Though I have scoured these vast fields about a dozen times, this outing was by far my most successful. The finds, as seen below, … Continue reading


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9 Days Photography Safari in Tanzania
$ 6,750
9-Day Photography safari adventure in Tanzania. Arriving at Kilimanjaro International Airport, JRO and proceed to the Great Rift Valley escarpment, Lake Manyara, Ngorongoro Crater and the World famous Serengeti National Park. Designed for avid photographers... Handpicked accommodations include:- Kiota Tented Camp Chaka Tented Camp Malamboi Tented Camp read more read less


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I Lost my Job- What should I do?
Try to ask some people about what will be their reaction, in case they lose their job. Majority of them would definitely say that they will be depressed, and would certainly cry for it. Some people are not aware of the things that they should do if ever they lose their job. It is innate to people to be disappointed in this kind of cases. You will have mix emotions, and you can't focus. "I lost my job. What should I do? This is the common question of those who lost their means of living.
In case you lose your job, the very first thing that you have to do is to process your emotions. It is not advisable to suppress your emotions. Absorb the fact that you don't already have a job, but still have positive outlook. After bursting out all the negativity, it is time for you to plan your application for unemployment benefits.
Now, you have to pay attention on this matter. There are a lot of people who make mistakes when it comes to this concern. Some people don't know when to file for unemployment benefits. Take note; do not file for your unemployment benefits before or on the last day of your work. The state has all the means to verify the last day of your employment. If they find out that you filed on or before the due date, there is a chance that your unemployment claim will be rebuffed.
After the last day of your work, make an unemployment claim right away. Remember that the process of making an unemployment claim may entail a lot of time. The state has to review your previous wages, and they also have to contact your former employers. The verification process may take long. It would be better if you start the application process immediately so that the state can conduct the verification process as soon as possible.
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A completed application packet will include:
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Note: To ensure the confidentiality of these forms, they must be mailed by the teachers to Double Helix STEAM School • 580 Tallassee Rd. • Athens, GA 30606. Please include a SASE when you submit the forms to the teachers.
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As we evaluate each application, we take into consideration:
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You'll hear a loud noise at noon on Monday
Listen to a test of the Birch Bay tsunami siren
The new tsunami siren installed at the Port of Bellingham will be tested on Monday.
The siren at the Port is the seventh installed as part of Whatcom County's All Hazards Alert Broadcast Warning System. All sirens in the county are tested on the first Monday of each month.
Residents in Blaine, Birch Bay, Point Roberts, Lummi Nation, Sandy Point and now the Port of Bellingham (and much of the waterfront areas of Bellingham), can expect to hear the testing of the sirens at noon with the ringing of the Westminster Chime tones, followed by a voice announcement, officials said in a news release.
For an actual tsunami warning evacuation alert the siren will sound a wail for 90 seconds, followed by an evacuation announcement, then sound the wail for 90 seconds, repeating the evacuation announcement and continuing this cycle of wail and announcement, along with "tune into your local radio station for further instructions," according to the news release.
"The Port of Bellingham siren was installed at Squalicum Harbor and provides as near complete coverage as possible for the downtown waterfront area," said John Gargett, deputy director of the Whatcom County Sheriff's Office's Division of Emergency Management.
Funding for the siren was provided by the U.S. Department of Commerce, National Oceanic and Atmospheric Administration's National Tsunami Hazard Mitigation Program and the Washington State Military Department, officials said.


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Second Wind – Nathaniel Philbrick
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Second Wind – Nathaniel Philbrick
Name: Second Wind – Nathaniel Philbrick
Format: {#bookExtensions#}
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Title: Second Wind
Author: Philbrick, Nathaniel
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Description: A charming memoir of midlife by the bestselling author of Mayflower and In the Heart of the Sea, recounting his attempt to recapture a national sailing championship he'd won at twenty-two.
"There had been something elemental and all consuming about a Sunfish. Nothing could compare to the exhilaration of a close race in a real blow—the wind howling and spray flying as my Sunfish and I punched through the waves to the finish."
In the spring of 1992, Nat Philbrick was in his late thirties, living with his family on Nantucket, feeling stranded and longing for that thrill of victory he once felt after winning a national sailing championship in his youth. Was it a midlife crisis? It was certainly a watershed for the journalist-turned-stay-at-home dad, who impulsively decided to throw his hat into the ring, or water, again.
With the bemused approval of his wife and children, Philbrick used the off-season on the island as his solitary training…
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Published years before there were 50 of them, Shades of Grey is about as far from erotica as you can get. Author Jasper Fforde is perhaps better known for his Thursday Next series, which established him as an incredible worldbuilder and somewhat of a satirist. In Shades of Grey, Fforde kicks the satire into overdrive in this "colorful" dystopia.
Centuries ago, in an event referred to as the "Something That Happened," Homo sapiens disappeared and were replaced by Homo coloribus, i.e. people that can see shades of only one certain color. That color determines a person's place in a strictly-controlled hue hierarchy with Purples on the top echelons and Greys on the very bottom.
20-year-old Eddie Russett has strong Red perception and hopes to marry into a wealthy Purple family. His hopes are put in jeopardy, however, the moment he arrives in East Carmine. A tiny village far from the bustling city Eddie is used to, East Carmine is steeped in small-town secrets and societal intrigue. Though Eddie has no desire to disrupt the system, he's nevertheless drawn into a web of mystery that will make him question everything he knows about himself, his people, and his world.
Humorous, poignant, and brilliant, Shades of Grey should not be missed. A sequel, Painting by Numbers, is due out
in 2012 in 2014 in 2015 someday, hopefully.


text: Riders On The Storm We have tried to go for a walk with girls and their -cycles, but the weather wasn't so friendly. Soundtrack for this evening was The Doors – Riders On The Storm, which this photo is inspired. I love this remix: Leave a Reply Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website


text: Home > Micro Lottie Bag backward forward prev next Micro Lottie Bag $425.00 Colour: Pale Gold Pebble Personalisation Add Luxury Gift Wrap Add 1 left in stock Add to bag Description Details Delivery Item code: 042-2031 Charming, distinctive and compact, our Micro Lottie Bag completes your ensembles for special occasions. In a sumptuous pale gold shade, the piece is hand-crafted from soft, supple pebble-textured Italian calf leather. The structured design features an exquisite leather plaited chain strap, allowing you to wear the bag either on your shoulder or across the body. Inside, the main compartment and open pocket are lined in shimmering grosgrain and the letterbox closure keeps your belongings secure. Sumptuous details include signature branded hardware, embossed Aspinal signature branding and protective base feet. For a one-of-a-kind finishing touch, the tab shield can be personalised with up to two initials, making this piece a thoughtful gift. Read more Height: 4.5 inches / Width: 7.5 inches / Depth: 2.5 inches Chain strap drop: 12.5 inches and 23 inches Hand-crafted from pebble textured Italian calf leather in pale gold Signature letterbox closure Lined in shimmering grosgrain Open Pocket Protective base feet Embossed Aspinal signature branding Can be personalised with up to two initials on the tab shield Insurance & Handling Fee $21.25 will be added to your total purchase price at checkout. This will subsidise tax, duty, credit card fees, insurance in transit and handling. UK DELIVERY UK Standard Delivery (2-3 days) £4.95 UK Express Delivery (Next Day) * £9.95 *Orders places before 2pm are delivered next working days. All delivery times are based on working days. INTERNATIONAL DELIVERY European Delivery £13.00 €16.00 US/Canada Standard Delivery (2-3 days) £15.00 $20.00 US/Canada Priority Delivery (1-2 days) £18.00 $28.00 Worldwide Delivery £20.00 Insurance and Handling will be charged at a rate of 2.5% (EU) / 5% (USA & Canada) / 10% (Rest of World) on your total purchase price at checkout. This will subsidise tax, duty, credit card fees, insurance in transit and handling. In the unlikely event that any extra charges are requested from you at the time of import by customs or by courier at the time of delivery, please contact our Customer Services Team for advice with this matter.