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There's a talented high school football player named Trey Smith. Maybe you've heard of him, maybe you haven't. If not, let me help you out.
Smith is a 6-foot-6, 299-pound senior offensive tackle at the University School of Jackson in Tennessee. According to ESPN, he is the No. 1-ranked recruit in the Class of 2017. The sports network says he is the best, better than the thousands of other players graduating in May.
Glenn Hills at Lakeside, 5 p.m. (girls), 6:30 p.m. (boys)
Grovetown at Burke County, 5:30 p.m. (girls), 7 p.m. (boys)
Harlem at Glascock County, 6 p.m. (girls), 7:30 p.m. (boys)
Fox Creek at Augusta Christian, 6 p.m. (girls), 7:30 p.m. (boys)
Alleluia at Augusta Prep, 6:30 p.m. (girls), 8 p.m. (boys)
Harlem at Josey, 5 p.m. (girls), 7:30 p.m. (boys)
Jefferson County at Lakeside, 6 p.m. (girls), 7:30 p.m. (boys)
Briarwood at Augusta Christian, 6 p.m. (girls), 7:30 p.m. (boys)
Harlem and Greenbrier competed against Josey and Washington-Wilkes in the Greenbrier Duals, on Thursday, at Greenbrier. The Bulldogs scored a win over the Eagles, while falling to the Tigers and Wolfpack. Greenbrier recorded three victories at the meet. Here are the results:
The points didn't come easy in one of the stronger early-season matchups on the area basketball schedule.
After both sides struggled to pull away for three quarters, Richmond Academy did enough offensively in the fourth to beat Lakeside 56-51 on Saturday in the 100 Black Men Thanksgiving Classic at Paine's HEAL Complex.
Augusta Prep is holding its Garden City Classic this Thursday through Saturday in two gyms on its campus.
Sixteen teams will participate in the tournament, with play beginning Thursday. All schools are assured of at least two contests.
The girls championship game will be held at 3 p.m. Saturday and will be followed by the boys championship at 4:30 p.m.
Here's a look at the schedule of games:
Curtis Baptist vs. Augusta Christian, 4 p.m. (BAC)
Westminster vs. Briarwood, 4 p.m. (BG)
I attended a family function this past weekend just outside Atlanta, a trip that delivered several interesting moments.
I learned the very nice hotel in which we stayed didn't carry the SEC Network, which meant several of us scrambled to watch the Georgia-Georgia Tech game on our phones and tablets. Why, pray tell, was this game not on a regular over-the-air station anyway? Why does this hotel, which rhymes with Wyatt, not carry a full slate of channels? (Answer: to save money.) Dumb.
Times have certainly changed in high school sports.
In the past, the top varsity contributors were all juniors and seniors. There would be the rare exceptions like Fredie Williams, at Evans, and Matt Scott, at Lakeside, who were key players on varsity from the minute they stepped on campus. But again, they were the exceptions.
Sports Writer Chris Gay went 6-4 in Week 13 of the Pigskin Picks contest.
Here are the results:
Georgia Tech at Georgia: Georgia (Incorrect)
Washington at Washington State: Washington (Correct)
Michigan at Ohio State: Michigan (Incorrect)
South Carolina at Clemson: Clemson (Correct)
Florida at Florida State: Florida State (Correct)
Kentucky at Louisville: Kentucky (Incorrect)
Auburn at Alabama: Alabama (Incorrect)
Tennessee at Vanderbilt: Vanderbilt(Incorrect)
Minnesota at Wisconsin: Wisconsin (Correct)
Kre'Sean Hall talks with excitement as he looks ahead to the rest of the basketball season.
The 6-foot-3, 200-pound senior is hopeful this is the year that Lakeside finally brings home a region championship. Just making the state tournament would be an accomplishment.
"I've never been to the state playoffs, never won a region tournament game," he said. "I want to do something big."
The Lakeside competitive cheerleading team had a simple motto this past season: Unstoppable.
The Lady Panthers lived up to that motto, posting a record season. Lakeside won first-place trophies during the regular season and then added the Region 3-AAAAAA championship.
Cyndi Blair, who's been the coach since 2008, said she's never had a season where her team took first place in every regular season competition, along with the region championship.
Columbia County News-Times ©2017. All Rights Reserved.


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Camper on the cards for Motueka Lotto winner
A lucky Motueka Lotto player is gearing up for the trip of a lifetime after winning $100,000 with Lotto first division recently.
The winner, who wishes to remain anonymous, is packing up his life, buying a campervan and traveling around the country with his wife – a trip the couple have always dreamed of taking.
"We've always wanted to travel around New Zealand and really see all the beautiful things in our very own backyard," said the winner.
"We just never imagined we would be able to do it so soon!"
But there was one thing the winner had to do before he could begin making his dream trip a reality – check his ticket!
"I actually carried the ticket around in my wallet for a good three weeks before I got around to checking it – I had no idea it was worth so much money," laughed the winner.
"It wasn't until I popped into the store to buy another ticket that I found out just how lucky that yellow piece of paper was – I couldn't believe it when the machine made a noise and they told me what I'd won.
"It was such an awesome moment - I'll never forget it," the winner said.
When it came to celebrating his newfound fortune, the winner knew exactly what he wanted to do.
"I treated my friends and family to a special dinner that night and surprised everyone with the news and a bottle of French champagne – they were pretty excited to say the least!" the winner said.
The winning ticket was sold at Motueka New World in Motueka.
Another Lotto First Division winning ticket was sold at Motueka New World for the same Lotto draw on 10 February and has also been claimed.

subset: commoncrawl


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This article is only available in the PDF format. Download the PDF to view the article, as well as its associated figures and tables.
To the Editor.—
The cause of perioral dermatitis remains obscure. Some cases appear to be related to fluorinated corticosteroids used to treat other disorders. The conditions of these patients will ordinarily clear with cessation of the corticosteroids and the short-term administration of tetracycline.I believe that the intensive use of "moisturizing creams" is another precipitating factor. In the past year, the conditions of approximately 20 patients with this disease have cleared following discontinuance of moisturizing creams. All but one of the patients were women. On discontinuance of the moisturizers, many patients noticed a period of moderate to severe worsening that was characterized by erythema, small papulopustules, dryness, and peeling of the face. This "rebound" lasted for several weeks to several months, and it was often difficult to get patients through this period. I allow the use of lotion ointment base (Cetaphil) for cleansing the face one time daily and tetracycline
Abele DC. `Moisturizers' and Perioral Dermatitis. Arch Dermatol. 1977;113(1):110. doi:10.1001/archderm.1977.01640010112025
© 2017


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Yes, yes, yes we're back again!
Welcome to your favorite show on TNS, Celebrity Clapback with Adediwura. I don't know what episode this is though, don't worry I will start numbering soon.
Anyway, this time around the heated exchange took place on the grounds of Ghanaian actress, Lydia Forson's Twitter page. I have to say though, that woman has no tolerance whatsoever for trolls. If you want to jump in her mentions please think four, five times about it before you do so. I've warned you o.
Here are the souvenirs from the event:
Sigh. I know, I know, very brutal. But what do I know? *runs away*


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You are here
Featured Job
Manager - Finance & Accounts
Bullet points
- Opportunity to work with a growing Indian manufacturing concern
- Lead a team of finance indviduals with direct reporting to the CFO
About Our Client
Our client is an Indian corporate and one of the leading Alloy steel manufacturing concerns in western India (Aurangabad). They specialise in manufacturing - carbon, alloy and special steel products in Rounds, Squares, Flats and Special Profiles. Their products are raw materials for Automobile, Engineering and Forging industries.
Their product is sold and used across various sectors - Defence, Railways, Automotive, Agriculture, Oil and Gas etc.
They are currently looking for a Manager - Finance & Accounts to strengthen their finance team.
Job Description
Reporting to the CFO, your responsibilities will include:
- Take care of Accounting, AP/AR, Closing and Financial Reporting for the organisation.
- Contribute in establishing the Accounting Policies, Procedures & Synchronising with other departments.
- Participate in Budgeting exercise while partnering and understanding the needs of various process owners.
- Effectively manage the Treasury & Banking operations of the company.
- Set up Internal Controls
- Manage various Statutory compliances including VAT, Service Tax etc
- Co-ordinate with the internal and external auditors to successfully conclude audits.
- Manage and develop a team of driven finance professionals
- Work closely with Tax departments both Direct Tax as well as Indirect Tax.
- Actively participate in preparation of a platform for migration from existing indirect tax laws to GST.
- Manage Cost Accounting for the production units.
The Successful Applicant
The Ideal candidate MUST have:
- Chartered Accountant Qualification with a minimum of 7 years post qualification experience in a manufacturing concern.
- Company Secretarial qualification is desirable
- Excellent team management and stakeholder management skills to successfully manage the role.
- Should have an in depth understanding and direct exposure of key activities including Budgeting, Accounting, Financial Reporting, managing audits and stat compliance.
- Should have knowledge of new companies act/rule & hand on experience of ROC/CLB compliance procedures.
- Industry background within Manufacturing in Steel or Heavy Industry
- Exposure of working on Tally or other ERP's in manufacturing
- Candidates residing in Aurangabad or nearby cities working with a manufacturing concern would be preferred
What's on Offer
- Opportunity to join a growing Indian company
- Lead a team of finance individuals with direct reporting to the CFO


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Harry Potter star Daniel Radcliffe, it seems, wants a complete image overhaul. The actor has revealed that he got bored of hearing that he is "an unconventional romantic lead", when the rom com What If was coming out. The 25-year-old actor, who was frustrated that he was often typecast by the media having starred in Harry Potter as a child, said that he eventually kind of picked someone up on it and asked what exactly about him was unconventional, the Independent reported.
Radcliffe added that then the interviewer said that it's probably the fact that people associated him with playing Harry, the young boy wizard. He continued that his immediate response to that was that the male population had no problem sexualising Emma Watson immediately.


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Fences are designed to do one of two things: keep things in or keep things out. On a farm, fences may be used to control livestock and wildlife for protection. Fences may also be used to create separate grazing areas where the farm owner can control the movements of his livestock. This can help to conserve water and stimulate the growth of grass to make the farm more profitable.
Beginning Farmers and Ranchers
The United States Department of Agriculture (USDA) has a number of resources available to assist beginning farmers and ranchers. To help feed this country, new generations of producers are receiving grants and financial assistance to buy farms, build fences and receive technical assistance to implement conservation practices.
Conservation Issues
The USDA Natural Resource Conservation Service (NRCS) has a number of programs to help individual farmers and ranchers to conserve natural resources such as soil or water. One program, Conservation Stewardship Program (CSP) will provide grants and technical assistance to help farmers "improve their conservation performance by installing and adopting additional activities, and improving, maintaining, and managing existing activities on agricultural land." The CSP program will provide grants to build fences around the farm to implement the conservation activities. To apply for this program, contact your local NRCS office.
Wildlife Issues
The USDA NRCS offers a program to share costs for improvements to wildlife habitats. The Wildlife Improvement Incentives Program will provide technical assistance and provide funds to build fences if the fences will improve habitat for wildlife. Consider applying for this grant to protect an area of your farm that is ideal as a natural wildlife habitat.
Urban Interface Assistance
A farm that is near an urban development, such as a city or suburb, can find itself in danger of being bought out or overrun by the expanding population from the city. Farmland can be targeted by developers and even be threatened by eminent domain issues. If the needs of the many outweigh the needs of the few, farmers can be forced to sell out their property. The USDA NRCS Environmental Quality Incentive Program (EQUP) and the Conservation Reserve Program (CRP) may be able to assist farmers who farmland is threatened by urban sprawl and eminent domain issues. These programs can help to build fences around the farm to establish the farm's boundaries in relationship to neighboring properties and further funding may be leveraged to improve the farming capacity while saving natural resources such as soil and water.
Related Searches
- Photo Credit Photos.com/AbleStock.com/Getty Images
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A betch bag is a happy bag turned inside out. It is like a slurpy while the happy bag is like 1000 burning suns. It is a bag of botch, and when it pops it creates a time portal that spews out inky black tears of pain and rage that resemble pieces of microwavable rice.
I called my blow-up doll a betch bag and now she isn't talking to me anymore.
by HoroscopeJunkie April 22, 2008
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Crown Woodhills Apartments in West Carrollton, OH
Located at 1000 Clubhouse Dr, West Carrollton, OH 45449
1000 Clubhouse Dr, West Carrollton, OH 45449
Pet Friendly, Sparkling Swimming Pool, Fitness Center, Washer/Dryer Hook-Ups, Walk-In Closets, Spacious Floor Plans
We cannot find any listings from Crown Woodhills Apartments on Marketplace. Check out these other listings near West Carrollton.
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For this month's GBBD, I thought I'd share photos of the the current blooms on three trial plants I was sent this past spring. All have done very well with pretty much total neglect on my part. The Dianthus and Lantana never stopped blooming from May to now. That is pretty darn great, IMHO.
|Dianthus 'Dash Violet' Pan American Seed
|Hardy Mum 'Fireworks Igloo' Blooms of Bressingham
|Lantana Viva 'Chapel Hill Yellow' Monrovia


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Zemani - Relentless line up of gorgeous models, scenic settings and excellent artful photography. We honestly assumed they would putter out by now, but all they have done is make us all whack our clubs a little harder!
Giving a sexy tease in a plaid shirt (15 pics)
Hairy pussy brunette wears tight clothes (15 pics)
Sexy babe with tight ass and shaved pusy (15 pics)
Kriss plays with her fluffy toy and pussy (16 pics)
Chloe stripping outside (31 pics)
Katya's Squirting Orgasms (16 pics)
Naughty teen bangs cucumber in bed (18 pics)
Redhead Beauty with hairy pussy (16 pics)
Shaved pussy blondy on the beach (12 pics)
Young beautiful model Leni (12 pics)
Candid street girls (12 pics)
Hairy babe got puffy nipples (15 pics)
Katie wearing slutty skirt (16 pics)


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Working Capital Management Chapter 10
Management of Cash and Marketable Securities Firms hold cash balances in checking accounts. Why? 1.Transaction motive: Firms maintain cash balances to conduct normal business transactions. For example, Payroll must be met Supplies and inventory purchases must be paid Trade discounts should be taken if financially attractive Other day-to-day expenses of being in business must be met
Management of Cash and Marketable Securities 2.Precautionary motive: Firms maintain cash balances to meet precautionary liquidity needs. Two major categories of liquidity needs: 1.To bridge the gaps between cash inflow and cash outflow Recall Chapter 8: to predict these gaps, construct a detailed cash budget 2.To meet unexpected emergencies
Management of Cash and Marketable Securities 3.Speculative motive: Firms maintain cash balances in order to speculate – that is, to take advantage of unanticipated business opportunities that may come along from time to time. The nature of these opportunities may vary.
Management of Cash and Marketable Securities 4.Firms using bank debt are required to maintain a compensating balance with the bank from which they have borrowed the money. Compensating balance: when a bank makes a loan to a firm, the bank requires this minimum balance in a non-interest-earning checking account equal to a specified percentage of the amount borrowed Common arrangement is a compensating balance equal to 5-10% of amount of loan Bankers maintain that existence of compensating balance prevents firms from overextending cash flow position because it forces them to maintain a reasonable minimum cash balance.
Management of Cash and Marketable Securities Compensating balance raises effective interest rate on loan. Numerical example: –Bank charges 14% interest on $250,000 loan but requires $25,000 compensating balance. –Loan amount available to borrowers is $225,000 ($250,000 - $25,000), but interest is charged on $250,000. –Monthly interest payment rate: 1.167% (14%/12 months) –Monthly interest cost: $2,917.50 (0.01167 x $250,000) –Effective monthly interest rate: 1.297% ($2,917.50/$225,000) –Annual percentage rate: 15.56% (1.297 x 12 months)
Management of Cash and Marketable Securities Marketable securities: short-term, high-quality debt instruments that can be easily converted into cash. In order of priority, three primary criteria for selecting appropriate marketable securities to meet firms anticipated short-term cash needs (particularly those arising from precautionary and speculative motives): 1.Safety 2.Liquidity 3.Yield
Management of Cash and Marketable Securities 1.Safety Implies that there is negligible risk of default of securities purchases Implies that marketable securities will not be subject to excessive market fluctuations due to fluctuations in interest rates
Management of Cash and Marketable Securities 2.Liquidity Requires that marketable securities can be sold quickly and easily with no loss in principal value due to inability to readily locate purchaser for securities 3.Yield Requires that the highest possible yield be earned and is consistent with safety and liquidity criteria Least important of three in structuring marketable securities portfolio
Management of Cash and Marketable Securities Safety, liquidity, and yield criteria severely restricts range of securities acceptable as marketable securities. Most major corporations meet marketable securities needs with U.S. Treasury bills or with corporate commercial paper carrying highest credit rating. –These securities are short-term, highly liquid, and have reasonably high yields. –Treasury bills are default-risk free. –High-quality commercial paper carries miniscule default risk. Firms that have sought to achieve higher potential yields via money market funds invested in asset-backed securities have learned that those higher potential yields carried higher risk.
Management of Cash and Marketable Securities Improving Cash Flow Actions firm may take to improve cash flow pattern: 1.Attempt to synchronize cash inflows and cash outflows –Common among large corporations –E.g. Firm bills customers on regular schedule throughout month and also pays its own bills according to a regular monthly schedule. This enables firm to match cash receipts with cash disbursements.
Management of Cash and Marketable Securities Improving Cash Flow 2.Expedite check-clearing process, slow disbursements of cash, and maximize use of float in corporate checking accounts Three developments in financial services industry have changed nature of cash management process for corporate treasurers
Management of Cash and Marketable Securities Improving Cash Flow 1.Impact of electronic funds transfer systems (EFTS) and online banking Includes so-called remote capture technology for quickly depositing checks without visiting a bank branch Radically reduced amount of time necessary to turn customers check into available cash balance on corporate books Sharply reduced amount of float available, as corporations own checks clear more rapidly
Management of Cash and Marketable Securities Improving Cash Flow 2.Expanded use of money market mutual funds (as substitute for conventional checking accounts) Funds sell shares at constant price of $1.00 per share Proceeds of sales are invested in short-term money market instruments Interest earned is credited daily Fluctuations in market values are credited/debited daily Since large funds hold broadly diversified portfolio of short- term securities, market-value fluctuations of overall portfolio are normally small relative to interest earned Checks written against money market funds continue to earn interest until check clears fund. Available float is continually earning interest for account.
Management of Cash and Marketable Securities Improving Cash Flow 3.Growth in cash management services offered by commercial banks These systems efficiently handle firms cash management needs at very competitive price.
Accounts Receivable Management Accounts receivable management requires balance between cost of extending credit and benefit received from extending credit. No universal optimization model to determine credit policy for all firms since each firm has unique operating characteristics that affect its credit policy. However, there are numerous general techniques for credit management.
Accounts Receivable Management Industry conditions –Manufacturing firms and wholesalers generally extend credit terms –Retailers commonly extend consumer credit, either through store-sponsored charge plan or acceptance of external credits cards –Small retailers cannot afford cost of maintaining credit department and thus do not offer store-sponsored charge plans
Accounts Receivable Management Five Cs of credit analysis used to decide whether or not to extend credit to particular customer: 1.Character: moral integrity of credit applicant and whether borrower is likely to give his/her best efforts to honoring credit obligation 2.Capacity: whether borrowing form has financial capacity to meet required account payments 3.Capital: general financial condition of firm as judged by analysis of financial statements 4.Collateral: existence of assets (i.e. inventory, accounts receivable) that may be pledged by borrowing firm as security for credit extended 5.Conditions: operating and financial condition of firm
Accounts Receivable Management Commercial credit services –National credit services (e.g. Dun and Bradstreet) provide credit reports on potential new accounts that summarize firms financial condition, past history, and other key business information –Local credit associations
Accounts Receivable Management Three types of cost: 1.Financing accounts receivable 2.Offering discounts 3.Bad-debt losses –Must analyze relationship of these costs to profitability –Marginal cost of credit must be compared to expected marginal profit resulting from credit terms
Accounts Receivable Management Example Credit Policy A (see Exhibit 10.1) –Credit terms: 2/10, net 60 –Average collection period: 50 days –Expected sales: $75,000,000 –Income after tax: $8,700,000 –Return on sales: 11.6% –Return on investment: 17.3% –Return on equity: 34.4%
Accounts Receivable Management Example (continued) Credit Policy B (see Exhibit 10.2) – preferable to Policy A –Tighter collection policy and shorter payment terms: 2/10, net 30 –Lower expected sales: $70,000,000 –Higher quality of accounts receivable and reduced bad-debt losses –Reduced interest expense since lower level of financing for accounts receivable –Reduced operating expenses: 15.7% 15.2% –Increased return on sales: 11.9% –Increased return on investment: 19.0% –Increased return on equity: 37.3%
Accounts Receivable Management Supervising collection of accounts receivable –Requires close monitoring of average collection period and aging schedule –Aging schedule groups accounts by age and then identified quantity of past due accounts –Credit manager must develop some skills of diplomacy: balance need to collect account with need to maintain customer goodwill (unless all efforts fail and account cannot pay)
Inventory Management Cost of maintaining inventory: 1.Carrying costs: all costs associated with carrying inventory Storage, handling, loss in value due to obsolescence and physical deterioration, taxes, insurance, financing 2.Ordering costs: Cost of placing orders for new inventory (fixed cost: same dollar amount regardless of quantity ordered) Cost of shipping and receiving new inventory (variable cost: increase with increases in quantity ordered)
Inventory Management Total inventory maintenance costs (carrying costs plus ordering costs) vary inversely. –Carrying costs increase with increases in average inventory levels and therefore argue in favor of low levels of inventory in order to hold these costs down. –Ordering costs decrease with increases in average inventory levels and therefore firm wants to carry high levels of inventory so that it does not have to reorder inventory as often as it would if it carried low levels of inventory.
Inventory Management Economic order quantity (EOQ) model: mathematical model designed to determine optimal level of average inventory that firm should maintain to minimize sum of carrying costs and ordering costs (total cost inventory maintenance cost) –Explains inventory control problem –EOQ = 2FS/CP
Inventory Management See Exhibit 10.3 EOQ model determines equation of total cost curve. –Minimum point indicates optimal average inventory. –Optimal average inventory level dictates how much inventory should be ordered on each order to maintain average inventory level.
Inventory Management Basic EOQ model assumes that inventory is used up uniformly and that there are no delivery lags (inventory is delivered instantaneously). Thus, two modifications: 1.Establish reorder point that allows for delivery lead times. Ex. If 2,700 units are ordered every 3 months and normal delivery time is one month after order is placed, then EOQ should be ordered when on-hand amount drops to 900 units. 2.Add quantity of safety stock to base average inventory that allows for uncertainty of estimates used in model and possibility of non-uniform usage. This added quantity is dependent on degree of uncertainty of demand, cost of stockouts, level of carrying costs, and probability of shipping delays Ex. Adequate level of safety stock is 500 units. Reorder point would be increased to 1,400 units (900+500) and new order would be placed each time on-hand quantity reached 1,400.
Inventory Management Example: Widget Wholesalers, Inc. Widgets sold per year: 240,000 Cost price per widget: $2 Inventory carrying costs: 20% of average inventory level Fixed cost of ordering: $30 per order Solve EOQ = (2FS/CP) –EOQ = (2)($30)(240,000)/(0.20)($2) –Widget should order 6,000 units per order. –If Widget allows ten-day supply as safety stock, then reorder point would be at 6,575 units (10 days divided by 365 days times 240,000) –At 6,000 units per order, Widget would place forty orders per year (240,000/6,000)
Inventory Management EOQ model can be applied to current asset management. EOQ can also be used to manage other types of inventories, such as cash and accounts receivable. –Cost of maintaining these assets can be divided into ordering and carrying costs, and optimal assets levels can be determined.
Sources of Short-term Financing Three major sources of short-term financing: 1.Trade credit (accounts payable) 2.Commercial bank loans 3.Commercial paper
Sources of Short-term Financing 1.Trade credit (spontaneous financing): form of free financing in the sense that no explicit interest rate is charged on outstanding accounts payable –Accounts payable arise spontaneously during normal course of business –Commercial firms buy inventory and supplies in open account from their suppliers on whatever credit terms are available rather than cash payments. –Two costs associated with trade credit: 1.Cost of missed discounts 2.Cost of financing outstanding accounts receivable (firm offers trade credit) increases cost of doing business over what it would be if firm sold on cash terms only.
Sources of Short-term Financing 2.Commercial bank loans –Employed to finance inventory and accounts receivable –Used as source of funds to enable firm to take discounts on accounts payable when cost of missed discounts exceeds interest cost of bank debt
Sources of Short-term Financing 2.Commercial bank loans (continued) –Two possible structures: 1.Note for a fixed period of time –At end of note term (maturity date), face amount of note must be repaid or note must be renewed (rolled over). –Bank and borrower may enter into formal/informal agreement to renew note at maturity at specified rate, which is tied to prime interest rate (rate charged to banks best corporate customers). o Ex. Interest rate at prime plus some percentage over prime: prime plus 2% –Size of premium above interest rate is determined by banks assessment of risk involved in making loan o Higher risk, higher premium –As prime rate changes, banks cost of obtaining funds changes, so requiring firm to roll over its notes allows bank to change interest rate on note.
Sources of Short-term Financing 2. Commercial bank loans (continued) –Two possible structures 2.Line of credit (revolver) –Bank establishes upper limit on amount firm may borrow and firm draws whatever money it needs against credit line up to maximum. –Interest rate may be fixed or float with prime or LIBOR rate. –Interest is charged only on amount actually borrowed, not total amount available.
Sources of Short-term Financing 2. Commercial bank loans (continued) Unsecured loan: full faith and credit obligation of borrowing firm –No specific assets are pledged as collateral for loan, but bank has general claim against firms assets if firm defaults on loan Secured loan: firm pledges specific asset as collateral for loan (i.e. accounts receivable, inventory) –If firm defaults on loan, asset may be seized by bank and liquidated to satisfy loan balance –Any excess bank receives above amount of principal and interest due on loan must be returned to borrower
Sources of Short-term Financing 3. Commercial paper (recall Chapter 9): short-term corporate IOU that is sold in large dollar amounts through commercial paper dealers –Sold by large corporations –Usually purchased by other corporations (as an outlet for marketable securities) or by financial institutions (i.e. banks, money market mutual funds) –Not available means of financing for small business organizations
Sources of Short-term Financing Financing Accounts Receivable Accounts receivable: used as collateral for short-term loans Three methods of accounts receivable financing: 1.Pledging 2.Assigning 3.Factoring
Sources of Short-term Financing Financing Accounts Receivable 1.Pledging –Bank or other lender makes loan of some percentage of value of receivables but does not take possession of them –Receivables merely serve as collateral in the event of default –If loan is not paid on time, bank has right to take possession of receivables and collect amount necessary to satisfy loan principal and interest due –Any excess money collected above amount owed must be returned to borrower –Banks commonly loan 50-80% of face amount of receivables –Amount loaned depends mainly on credit reputation of borrower and quality of receivables pledged –Quality of receivables is a function of credit rating of customer accounts and age of receivables
Sources of Short-term Financing Financing Accounts Receivable 2. Assigning –Borrowing firm signs over its right to collect account to lender –Lender advances money to borrower up to some predetermined percentage of accounts receivable and then collects directly from customer account –Payments received in excess of amount loaned are property of borrower (treated as part of circulating pot of money from which borrower may draw funds as needed) – Lenders commonly lend 75-90% of face value of receivables assigned –Percentage loaned is a function of credit rating of borrower and quality of accounts receivable
Sources of Short-term Financing Financing Accounts Receivable Pledging/Assigning (continued) –Lender has recourse to borrower if account fails to pay –Lender only acts as supplier of funds so if borrower defaults, borrower suffers bad-debt loss, not lender –Cost of pledging and assigning are about equal
Sources of Short-term Financing Financing Accounts Receivable 3.Factoring –Lender buys accounts receivable outright from borrower at discount from face value and assumes burden of collecting receivables Burden includes assumption of bad-debt losses If account does not pay, lender has no recourse on borrowing firm
Sources of Short-term Financing Financing Accounts Receivable 3.Factoring (continued) Lenders provides three services 1.Provide financing of accounts receivable for borrowing firms 2.Act as borrowing firms credit department 3.Assumes risk of bad-debt losses Transfers risk from borrowing firms to factor Most expensive form of accounts receivable financing
Sources of Short-term Financing Inventory Financing Commonly arranged through: 1.Blanket liens 2.Trust receipts 3.Field-warehousing arrangements
Sources of Short-term Financing Inventory Financing 1.Blanket lien –Firm pledges its inventory as collateral for short-term loan, but lender has no physical control over inventory –If borrower defaults, lender has right to seize inventory and sell it to pay off loan principal and interest; any funds realized in excess of amount owed must be returned to borrower
Sources of Short-term Financing Inventory Financing 2.Trust receipt –Legal document that creates lien on specific item of inventory –Commonly arranged for big ticket items (i.e. inventory held by automobile dealers, jewelers, or heavy equipment dealers –When item is sold, amount loaned against item must be remitted to lender
Sources of Short-term Financing Inventory Financing 3.Field-warehousing arrangement –Inventory pledged as collateral is physically maintained on premises of borrower but is under control of lender –Physical movement of inventory items into or out of warehouse is supervised by independent third party employed by lender –As inventory items are moved into warehouse, loans are made to borrower –As items are released and sold, loans are paid off –Particularly appropriate for financing seasonal inventory buildups
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Microplate washer at UCSF
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Delivering the Goods
PT Adaro Logistics
Among the key challenges faced by Adaro are transportation and logistics. Adaro Indonesia has one of the furthest inland coal mines in Indonesia. It is located 80km from the barge-loading river port at Kelanis and a further 240km from the transshipment location at Taboneo in the Java Sea.
PT Adaro Logistics (AL) is tasked with coordinating and managing the logistics arm of our coal supply chain. AL has integrated the activities of our logistics business units to enhance its value as an integrated port-to-port logistics service provider to Adaro.
AL contributes significantly to Adaro's integrated coal supply chain, starting from loading coal on to barges at Kelanis to transporting and delivering the coal at the discharging points or ports.
Through synergized planning, AL strengthens the business process from coal barging and transshipment, to the operation of the land-based coal assembly and ship-loading terminal, to port management for stevedoring and coal transshipment activities at Taboneo anchorage, and lastly to managing the availability of the Barito River channel by dredging the channel regularly.
AL's vision is to become a reliable, efficient and best-managed Indonesian logistics company. It aims to ensure high-quality health and safety standards with environmental best practices to enhance the businesses that in return benefit stakeholders and communities.
As a coal-focused logistics provider, the outlook for AL is affected by the outlook for coal. At Adaro, we believe that the long-term fundamentals for coal remain intact. We do, however, want to improve our non-coal mining activities such as logistics, mining services and power.
Apart from the coal industry, the outlook for the logistics business in Indonesia is reassuring. The government has made the maritime sector one of its priorities, and it plans to build more ports and water tollways to connect the archipelago.
Because of this, AL plans to increase its strategic diversification into non-coal bulk materials as well as materials related to the oil and gas industry. AL will take these strategic moves to reduce its dependence on the coal industry and to open up new opportunities for future growth.
Furthermore, more barging and shiploading services will be required to transport coal to domestic power plants in the next five years, as the government works to increase Indonesia's coal-fired power generation capacity by 20GW.
The following are the core subsidiaries co-ordinated by Adaro Logistics in our coal supply chain.
PT Maritim Barito Perkasa
PT Maritim Barito Perkasa (MBP) has been a key barging contractor for PT Adaro Indonesia since 2009, providing coal transportation services from the Kelanis inland barge-loading terminal on the Barito River to the Taboneo offshore anchorage and to the South Pulau Laut Coal Terminal.
In addition, MBP transports Adaro's coal directly to domestic customers on Java. MBP also provides coal transportation services to third parties.
MBP added four barges and three tugboats in 2015. We plan to add two tugboats and one barge with 15,500DWT capacity in 2016.
In 2015, MBP transported a total of 31.1Mt of coal, down 2% from 2014. Of this, 29.6Mt was coal transported for AI and SCM, down 3%, while coal transported for third parties also down by 30% to 1.5 Mt. MBP trans-shipped 35.8Mt of coal to vessels at Taboneo, 3% less than in 2014. Of this, it loaded 23.5Mt using its floating cranes and 11.6 Mt using its floating transfer units (FTUs).
In total, 95% of the coal that MBP barged and 100% of the coal it trans-shipped in 2015 was for Adaro.
Leadership Team
Pepen Handianto Danuatmadja, President Commissioner
Christian Ariano Rachmat, Commissioner
M. Syah Indra Aman, Commissioner
Alan Yim Foon Kuan, President Director
Susanti, Director
Chin Sik Cheon, Director
|Key Financial Highlights (US$ million)
|Total assets
|Total liabilities
|Interest-bearing debt
|Total equity
|Operating Statistics (Mt)
|Coal barged
|Coal loaded to ships
PT Sarana Daya Mandiri
PT Sarana Daya Mandiri (SDM) maintains the 15km shipping channel at the estuary of Barito River used mainly by coal-bearing barge traffic. It performs regular dredging to ensure that the channel depth allows safe and navigable traffic throughout the year.
Since mid-2015, dredging and maintenance was performed using the Barito Equator, a dredger with 2,500m3 capacity, larger than the 2,150m3 of the previous boat used since 2012. In 2015, dredging and maintenance resulted in mean low water springs of -6.30 meters.
Since 24-hour operation of the channel was enabled in 2009, previous capacity constraints have been removed. The channel used to only have an eight-hour navigational window per day during high tide. After SDM dredged the channel and allowed round-the-clock operations, its capacity has increased from 60Mt to 200Mt per annum.
Through its services, SDM has helped raise navigational safety along the channel, in turn allowing a higher volume of cargo to be carried to and from South and Central Kalimantan. This has indirectly assisted in raising the economic development of the region.
The continued coal price slump had an impact on Barito River traffic in 2015: the total volume of coal transported decreased by 11% from 98.6Mt in 2014 to 88.1Mt, 4% lower than the 2015 target of 92Mt.
The number of vessels sailing through the channel (including tugboats and barges) monitored by SDM decreased from 15,338 vessels in 2014 to 14,023 vessels in 2015.
PT Indonesia Bulk Terminal
IBT is a port management company certified under the International Ship and Port Facility Security (ISPS) Code. It runs a coal terminal on the tip of Pulau Laut Island off the south-eastern coast of South Kalimantan.
IBT offers land-based coal ship-loading services and stockpiling for coal-blending customized to customers' request. In 2015, IBT loaded a total of 0.3Mt to vessels, consisting of 199,842 tonnes of Adaro's coal and 132,538 tonnes of third parties' coal.
IBT launched a new business initiative in 2015 as Adaro established a strategic alliance with state oil and gas utility PT Pertamina (Persero) in the infrastructure, transport and supply of biodiesel. Under an agreement signed in September, Pertamina leases and uses IBT's fuel storage facilities, consisting of four tanks with a 70,000-kiloliter storage capacity and two jetties with a loading capacity of 1.4 million kiloliters/year.
The fuel storage facilities are an important part of our operations as our vertically integrated business model means considerable and flexible need for fuel right along our supply chain from pit to port to power. This new alliance replaces a fuel supply arrangement from Shell.
In 2015, a total of 735,818 kiloliters was transported from IBT's facility, consisting of 688,034 kiloliters by Shell and 47,784 kiloliters by Pertamina.
Download detailed information on IBT here: IBT Port Information (PDF), IBT Vetting Questionnaire (Doc)
PT Indonesia Multi-Purpose Terminal
PT Indonesia Multi-Purpose Terminal (IMPT) was authorized in 2015 by the Ministry of Transportation to operate as a port operator/manager (badan usaha pelabuhan) to manage and operate a terminal at the Taboneo offshore anchorage at the mouth of the Barito River in South Kalimantan.
The company has obtained an environmental impact license (AMDAL) and certificate of compliance with the International Ship and Port Facility Security (ISPS) Code and is preparing for commercial operation.
PT Puradika Bongkar Muat Makmur
PT Puradika Bongkar Muat Makmur (PBMM) offers stevedoring services for vessels using the Taboneo anchorage. In 2015, PBMM handled 51.58Mt, 9.2% less than the 56.8Mt of 2014, mainly due to lower coal production by Adaro Indonesia.
PBMM is responsible for planning the fleet of service vessels needed for loading coal consignments to customers' ships or for barging coal direct to domestic customers.
Based on the destination and volume of coal, PBMM calculates the required capacity and the determines how much to allot to each barge contractor, including MBP.
Read More About Our Operations
- Our Coal Supply Chain
How we organize and streamline the complex business of mining, transporting and shipping our coal.
- Virtual Mine Site Tour
- Our Operating Subsidiaries
Adaro's success relies on a group of subsidiary service companies to add value along the coal supply chain.
- Mining Assets


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Feb. 5, 2013
2013 Baseball Schedule | UVa Roster | Subscribe to White's Articles
CHARLOTTESVILLE -- Never mind the record (2-5) or the earned-run average (4.48) he posted in 2012 for the University of Virginia baseball team.
"I know the numbers might not show it," Scott Silverstein said, "but last season was unbelievable for me."
In 2012, the 6-6, 250-pound left-hander pitched regularly for the first time since `07, when as a junior at St. John's College High School in D.C. he established himself as one of the nation's premier prospects.
Silverstein, who's from Brookeville, Md., started a game in each of Virginia's 10 ACC series last season and one in the conference tournament.
"Pitching every weekend," he said, "the experience was invaluable. This is totally different than it was in high school, because now you're going against North Carolina and Georgia Tech every weekend, instead of a bunch of high school kids. It was great to learn what it's going to take moving forward to succeed."
UVa's 2013 roster includes two fifth-year seniors: first baseman Jared King and Silverstein. King missed the 2010 season while recovering from shoulder surgery. Silverstein knows all too well what King went through.
Early in his senior season at St. John's, Silverstein experienced sharp pain in his throwing shoulder. He wasn't allowed to pitch that spring, and his stock as a pro prospect dipped dramatically.
In June 2008, about a week after the Washington Nationals selected him in the 32nd round, Silverstein underwent surgery to repair a torn labrum in his left shoulder. He enrolled at UVa later that summer, but he was not cleared to pitch as a freshman. His 19 appearances in 2009 came as a first baseman, designated hitter or pinch hitter.
When it became clear his shoulder was not healing well, Silverstein returned to the operating room in October 2009. His surgeon this time was the renowned Dr. James Andrews. His second rehabilitation went well, but Silverstein had to redshirt in 2010. He was cleared to pitch in 2011 but threw only 14.1 innings that season, all but three in relief.
UVa coach Brian O'Connor was not surprised, then, that Silverstein battled inconsistency as the 2012 season progressed. Silverstein earned his second victory March 23, against Clemson, but never got a third win.
"A lot of people wanted to make a lot about how in the back half of the year he kind of struggled," said O'Connor, who pitched at Creighton. "He'd go out there and start games, but he had a tough time getting through the middle part of the game. People were looking for answers, and, quite frankly, I felt the answer was simple: It's been four years, five years really since the guy had had to pitch a season.
"He pitched well in the first half last year, but he's never had to start one game a week, for 15 straight weeks, ever in his life. So there's mental fatigue, there's physical fatigue, things like that, and that's why I really believe that he's going to be stronger and better this year, because now he's had one year of experiencing an entire season."
UVa, which finished 39-19-1 in 2012, opens the new season with a three-game series at East Carolina, starting Feb. 15. As the opener approaches, candidates for the weekend starting slots, O'Connor said, include Silverstein, sophomore Nick Howard (another St. John's graduate) and freshmen Nathan Kirby, Trey Oest and Brandon Waddell.
Whether it's in weekend or midweek games, the Wahoos need Silverstein "to give us good, consistent starts," O'Connor said. "That doesn't mean that he needs to go out there and give us seven or eight innings every time and throw a one-run game. He just needs to give us a quality start and give us a chance to win."
"Even in the back half of the year last year, when he was struggling a little bit, he was still giving us a chance to win, he was still keeping us in the ball game. If he can improve on that from last year, then that's going to be a big boost for us."
His left arm feels strong, Silverstein said, but that was true last season too.
"I don't think it was so much physical," he said of his late-season decline. "I think it was more mental. The season was a grind. I'd been through it three times [at UVa], but I'd never been through it like that.
"To be thrown into it was a great opportunity for me to learn what it's going to take, not only physically but mentally. It was just sort of not knowing how to bounce back. I had dealt with failure with injury, but dealing with failure within the sport was something new to me. Which sounds weird as a senior in college, but when you haven't [pitched regularly] since your junior year in high school, it's a reminder."
O'Connor said: "You can look at last year and say, hey, you know what? Maybe it's a blessing. He went through it last year, and hopefully he'll be better this year because of it."
UVa's pitching coach, Karl Kuhn, said Silverstein "had a trial run last year where he got to compete again, and he got to compete at a high level, and he had to be counted on by his teammates. I think it's a great story. There's nobody that works any harder than Scott Silverstein on our team."
As Silverstein heads into his final college season, "I just think there's a little bit of a calmness about him," Kuhn said, "like he's saying, `Hey, I understand it now. I get it. I've been there.' I think he's approaching it mentally differently than he has in the past. I think he's more equipped to handle adversity, and I think he's ready to go."
In the early stages of his comeback, Silverstein acknowledged, he worried about re-injuring his shoulder when he pitched. Advice from a former Atlanta Braves closer who has a farm in Crozet helped Silverstein clear that mental hurdle.
"Believe it or not, I talked to Billy Wagner about it, and he said, `There comes a point where you really have nothing to lose, and you might as well throw it as hard as you can,' " Silverstein recalled.
After graduating last year with a bachelor's degree in American Studies, Silverstein could have left the University to pursue his goal of playing pro career. He chose instead to return for his final season and enrolled in a one-year master's program in the Curry School of Education.
He'll turn 23 in May, which makes him considerably older than most of his teammates. Moreover, many of Virginia's best players in recent years, including four (John Hicks, Danny Hultzen, Steven Proscia and Will Roberts) who came in with Silverstein in 2008, have turned pro after their junior seasons.
"It's strange, because the guys who leave come back, and I see them in the locker room and it brings me back two or three years," Silverstein said, "and I'm thinking, `I'm still here.' But you could either look at it as me being jealous of them or they being jealous of me. What we have here is pretty special. Sure, pro ball's awesome, but you might as well live this as long as you can."
O'Connor said: "I'm glad that he made the decision to come back this year. I just have a feeling from him that he feels like he's got some unfinished business."
UVA Athletics Information
In the NewsRecent Headlines News Archives
- Top Videos
Jeff White
Short-Handed 'Hoos Rediscover Shooting TouchMen's Basketball2/25/17No. 18 Virginia, which hosts No. 8 North Carolina at 7 p.m. Monday, ended a four-game losing streak Saturday with a victory at NC State.Weekend Notebook: Perrantes Hits HomestretchMen's Basketball2/24/17For point guard London Perrantes, the final regular-season road game of his UVA basketball career is Saturday afternoon at NC State.Casey's Return Buoys CavaliersBaseball2/22/17Derek Casey, who missed the 2016 season while recovering from Tommy John surgery, pitched five strong innings in No. 14 Virginia's home opener.
Jeff White
Director of News Content
A 1985 graduate of UVA, White worked at the Richmond Times-Dispatch until July 2009. He was honored six times as the state's Sportswriter of the Year.
More Headlines
No. 13 Virginia Rolls Past Rutgers, 12-4
Baseball | 2/25/2017
In scoring at least seven runs for the sixth straight game, Virginia piled up a season-high 15 hits.
Haseley, Coman Power UVA to 7-3 Win Over Rutgers
Baseball | 2/24/2017
Haseley and Coman became the first Virginia duo to hit two homers in the same game since 2001.
Saturday UVA-Rutgers Game Moved to 3 p.m. Start Time
Baseball | 2/25/2017
The start time has been moved to 3 p.m. because of a forecast for inclement weather.
Virginia Takes on Rutgers This Weekend at Davenport Field
Baseball | 2/23/2017
The teams open the series at 4 p.m. Friday and also play at 1 p.m. Saturday and Sunday.
Upcoming Pair of Friday Games Moved to 4 p.m. Start Times
Baseball | 2/23/2017
The start times for the next two Friday games have been moved to 4 p.m. UVA faces Rutgers Friday ...
Jeff White: Casey's Return Buoys Cavaliers
Baseball | 2/22/2017
Derek Casey, who missed last season while recovering from Tommy John surgery, pitched five strong...
No. 13 Virginia Rallies to Top VMI, 9-7
Baseball | 02/21/2017
UVA head coach Brian O'Connor recorded his 600th career win, becoming the second fastest in...
No. 14 Virginia Opens Home Slate Tuesday vs. VMI
Baseball | 02/20/2017
Live Audio (Free) | The home opener marks the start of a nine-game homestand for the Cavaliers.
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Jay Hoque
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Looking North from Calton Hill in Edinburgh you can see right across the River Forth to the Kingdom of Fife.
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Guess The Movie Gameplay 1 iOS / Android
Guess The Movie - Bollywood
By: Jinfra
Genre: Trivia
Video Tips
Let's play Guess The Movie - Bollywood! This is part 1 of my walkthrough for the iOS and Android game Guess The Movie - Bollywood.
Still need help to finish Guess The Movie gameplay?
I will update this post with more tips and tricks, so please bookmark this page and keep on checking in!
If you have any questions, feel free to ask for extra help in the comments section.
Hit like if this helped you!
Visit Guess The Movie walkthrough page for level videos, tutorials, cheats and more.


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(yay-ger le-coot)
WHO THEY ARE Founded in 1833 by Antoine LeCoultre, an inventor and self-taught watchmaker. The first to set up a manufacture in the Vallee de Joux, Switzerland, he brought together the skills of various watchmaking craftsmen. CLAIM TO FAME Created the world's smallest movement, the Calibre 101, in 1929. It weighed less than 1g and comprised 74 parts – a record unmatched to this day. Its iconic Reverso, with a steel case that was reversible, was created for polo players to protect the watch's delicate sapphire crystal during the game. It is still one of the brand's bestsellers. WHAT'S HOT The Jubilee collection, which celebrates the brand's 180th anniversary. It comprises two high complication models – the Master Grande Tradition Tourbillon Cylindrique a Quantieme Perpetuel Jubilee and Master Grande Tradition Gyrotourbillon 3 Jubilee. RETAILS AT Jaeger-LeCoultre boutique at Marina Bay Sands


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Mathematical Theory of Compressible Fluid Flow
By (author) Richard Von Mises
Format: Paperback
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Mathematical Theory of Compressible Fluid Flow by Richard Von Mises
Book DescriptionSuitable for advanced undergraduate and graduate students, this text covers general theorems, conservation equations, waves, shocks, and nonisentropic flows, with emphasis on the basics, both conceptual and mathematical. 1958 edition.
Buy Mathematical Theory of Compressible Fluid Flow book by Richard Von Mises from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780486439419
(214mm x 135mm x 28mm)
Pages: 528
Imprint: Dover Publications Inc.
Publisher: Dover Publications Inc.
Publish Date: 31-Dec-2004
Country of Publication: United States
Other Editions...
Books By Author Richard Von Mises
Probability, Statistics and Truth, Paperback (February 1982)
This comprehensive study of probability considers the approaches of Pascal, Laplace, Poisson, and others. It also discusses Laws of Large Numbers, the theory of errors, and other relevant topics.
Theory of Flight, Paperback (June 1959)» View all books by Richard Von Mises
Mises' classic avoids the formidable mathematical structure of fluid dynamics, while conveying - by often unorthodox methods - a full understanding of the physical phenomena and mathematical concepts of aeronautical engineering.
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Mountain West Gymnastics Boise
Mountain West is conveniently located off the Franklin Exit from the I-84 Freeway. Mountain West Gymnastics is in the Cole Rd. Plaza next to the Aquarium of Boise. We have centrally located our facility to serve the greater treasure valley. A short 20 min drive from Eagle, Meridian area or 10 mins via belt-line from downtown Boise.
100% gymnastics all the time! 100% dedication to bringing high level competition to the Treasure Valley. Come see the difference.
Mountain West Gymnastics is a proud member club of USA gymnastics. Our training center located in Boise, Idaho. It main focus is the highest level of competitive team gymnastics, recreational gymnastics instruction for children ages 3 to 18 years.
We specialize in the highest quality gymnastics instruction. All coaches are USA certified and safety certified, including background checks. Give us a call today to schedule a free evaluation and try-out. See why Mountain West is the choice of champions.
We have been moving around the country and join many Gymnastics Time, Mountain West is the most talented, hard work, discipline and training hard with heart. We couldn't be happier with them and what they have done to my Yasmine. They brought the Best of her.
Dione Anderton
"This is where my daughter started out! Although she is now at another gym due to a job relocation, the owners of mountain west helped us find the best option for our daughter in our new state and now she is 4 years old on a fast track to team! Love Mountain West and would recommend to ANYONE!!!"
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"Phenomenal Gym and coaching staff that provides organized/structured classes and premier coaching techniques for all levels. My daughter garnered many life lessons, always felt safe, had fun working hard, and met some of the greatest friends she will ever have. By far, the best gym in the state with multiple nationally ranked gymnasts and state championship wins. Go to Mt West, they're the best!"
Erika Chute
Level 2 and 3's Teams remain undefeated in the season after stellar performances at the Gem State Invitational.
Level 3's hit the top 100 teams list in 3 category's.
7th ranked floor team score, 91st on bars team score, 62nd all-around team score
Level 6 team maintains top 100 in the US ranking with 61st team score of 113.325, 41st on floor, 55th vault
Level 7 team holds the 28th ranked floor team score with a 29.125
Level 8 team holds the 20th ranked floor team score with a 28.850
Team Try-outs
Mountain West will be conducting team try-outs for the 2018 season on March 25th from 1-5 pm. If you are seeking USA Gymnastics JO competition from levels 2-10, please reserve a spot today by calling the front desk. Mountain West team staff will be evaluating all levels for team. This is open to any gymnast current or non current at no charge.
Virginia Beach 2017
Mountain West Gymnasts bring home national titles over the weekend held in Virginia Beach VA.
Lana Boddeker won her first level 7 vault title and was 5th on bars and 9th all-around
Katarina Delgado was crowned All Around Champion with the highest level score of the meet 38.425. Kat won vault and floor and was 3rd on bars and 4th on beam.
Team Idaho placed 5th
The girls are now moving to level 8 for the 2017 season.
National Judges Cup Gymnastics Championships
Mountain West continues it's Idaho tradition of qualifying Idaho gymnasts to this national competition.
Katarina Delgado of Boise and Lanna Boddeker of Meridian will represent Mountain West and Team Idaho on January 7th in Virginia Beach, Virginia for this national competition.
Teddy Bear Classic 2016
Mountain West Gymnastics takes first place in 4 out of 7 levels at Teddy Bear.
Level 2's,3's,6's & 7's 1st place Team
Level 5's and 8's 2nd place Team
Level 4's 3rd place Team
Mountain West had the highest all-around score in all levels and ages groups along with the highest JO vault, bars and floor scores in all levels.
Congratulations to girls great start to the 2017 season.
University of Pennsylvania Visit
Mountain West level 10 gymnast Courtney Bonnema makes unofficial visit to the University of Penn this Friday in Philadelphia. Courtney is a junior at Eagle High School. We are happy for Courtney as she going into her 2nd year as a level 10.
Gymnast Receives Top Honors
Former Mountain West Gymnastics Gymnast, Katey Oswalt, receives top honors for 2016 along with NCAA Division II National title. Congratulations, Katey!
Employment Opportunity
Mountain West is now hiring. Seeking Boys program director and preschool director.
New Preschool Gymnastics Class
Mountain West now offering Tiny Tumblers preschool gymnastics for ages 3-4 years.
Call us today to find out more information about our programs.
We look forward to hearing from you!
Mountain West Gymnastics premier training facility in Boise.
Welcome to the Team!
Mountain West is pleased to announce the addition to our team staff; Jon Gardunia Doctor of Physical Therapy.
Jon will be an instrumental part of growing team program developing preventative injury programs to ensure the health of our athletes. Mountain West provides this service to our team members as part of our overall extensive training program. A little more about Jon
Team Coaches
Mountain West is looking for motivated recreational & compulsory team coaches. Contact us today for an interview.


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The Romanesque chapel of Sant Mateu de Pui d'Olivesa is located in the parish of Sant Julià de Lòria.
It's a chapel for oratory used for the purpose of cult in the house of Cal Bringuer, (10th century). The structure of its windows would give the building a pre-Romanesque classification. The entrance door has a pointed arch which was built later. The chapel of Sant Mateu de Pui d'Olivesa was one of the many properties of the monastery of Sant Serni de Tavèrnoles.
More information: Sant Julià de Lòria Tourist Office.


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Hitting up the newly opened Nike iD Bespoke studio at 21 Mercer, Air Force 1 junkie Mayor designed his own pair of the legendary sneakers with a cornucopia of options at hand. Giving us a hint of what the Bespoke format is capable of, the sneakers feature a slew of colors and material choices included patent leather, indigo denim with contrast stitching, buttery leather lining, waxed laces and clear midsoles capped off by a custom steel tag. Definitely something for the sneaker aficionado.
Nike iD Bespoke Studio
21 Mercer Street
New York, NY 10013
Source: Sneakernews


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iPhone apps
Car Helper
'Car Helper' works out your vehicles fuel economy, keeps track of your tire wear and reminds you of your maintenance tasks allowing you to keep your vehicle(s) safe, fuel efficient and helps prevent inconvenient breakdowns. It works with….. Read more
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Car Seat Helper
Phoenix Children's Hospital Injury Prevention Center presents "Car Seat Helper", an easy way to choose and recommend the right car seat for a child. This is a great resource for parents… [more..]
Price: free |
Car Rental Helper
Car Rental HelperYour handy guide to car rental terms and phrases In Summary: Not sure what a loss damage waiver is, or whether you need one for your next car rental? Want to know more about a phrase… [more..]
Price: $2.99 |
Car Shop Mobile – New car and used car shopping…
Use CarShopMobile to request price quotes from multiple new car dealers. Shop several dealers or all dealers in up to 200 miles to get the best deal with the touch of a button. Add color, options,… [more..]
Price: free |
Cars Cars Cars
Cars Cars Cars is a collection of facts and information about Cars which you can share on twitter and facebook.Did you know that the largest speeding fine ever given is $1,000,000 to a Swedish man who… [more..]
Price: $0.99 |
Cars iManager : your Car or Bike, in your pocket !
Designed for anybody owning one or more vehicles (cars, motorcycles, etc.), the Cars iManager application allows you to store everything related to them: administrative information, insurance, fuel or… [more..]
Price: $1.99 |
Classic Car Flip: Flashcards of Vintage Cars
Classic Car Flip is a learning game similar to flashcards, but with an intelligent progress tracking system that helps you learn faster. After you "flip" to the answer, you pick if you were… [more..]
Price: $0.99 |
Sports Car Flip: Flashcards of Exotic &…
Sports Car Flip is a learning game similar to flashcards, but with an intelligent progress tracking system that helps you learn faster. After you "flip" to the answer, you pick if you were… [more..]
Price: $0.99 |
Find Your Car with AR: Augmented Car Finder
***** Over 400.000 downloads! *****Augmented Car Finder allows you to find your car wherever you parked it. Once you load the application, in the augmented reality view you can see the direction it is… [more..]
Price: free |
Used Car Finder - Nearby car classifieds !
Selling a car or a bike is easier than ever ! Just a price and a few photos taken with your iPhone are enough. Without any account, you post classified ads and you use your position to find the… [more..]
Price: free |


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Hunting for South Carolina first time home buyer grants to purchase that house? Find the best grants for home buying in South Carolina and other home mortgage grants below.
Are you considering the purchase of a home in South Carolina? Purchasing a home in any state is an exciting prospect!
Exciting and sometimes daunting! However, don't let yourself become overwhelmed with the process.
You want to know your credit score and determine if you need credit repair before proceeding.
Unfortunately, without a credit score of at least 580, you will not be able to qualify for those low down payment programs like the FHA 203b loan that works so well with the various grant programs out there. You want to be able to qualify for these programs and with a higher credit score, you'll qualify for a better interest rate as well.
If you need help estimating your mortgage closing costs, check out this FREE closing costs calculator by clicking here.
To begin with, the State of South Carolina does offer a first time home buyer grant program for its residents. This is good news because not all states are able to offer assistance to first time home buyers.
The state agency which maintains this program for South Carolina is South Carolina Housing Finance and Development Authority. Depending upon your income, there are several South Carolina first time home buyer grants for residents.
Applicants can obtain a Down Payment Assistance Loan in an amount up to $4,000. If you live in your home for five (5) years, the loan may be completely forgiven. Basically, this loan becomes a grant. You should visit this website to determine your eligibility.
In addition, the federal government offers grant assistance for first time home buyers in South Carolina. This program is maintained by the United States Department of Housing and Urban Development and is called the Homes and Communities program. Their website contains useful information and applications.
The website for the grant program maintained by the United States Department of Housing and Urban Development can be visited by using this link, HUD Grant Information.
Another website I would recommend that you view is Visit the Government Grants. This website offers a list of all federal government grant programs. It would be a good idea to take some time and browse through this site to see what it offers and the qualifications for application.
Unfortunately, these programs take time to process. Which require a lot of patience for both you and the seller. So select a real estate agent familiar so they can help.
Also find a lender who is compatible with these various programs. The best one for that is the FHA loan product I mentioned above.
Thank you for visiting our website for first time home buyers. Below you'll find more information to help you with grants for housing.
Click here for additional information on South Carolina First Time Home Buyer Grants.
This link will take you to the HUD website and you will see a map of the USA. Click on your state and then you'll find a list of the local counseling agencies in your own area.
Please tell others about this FREE information. Everybody else on the web charges for this kind of stuff!!
Happy House Hunting!!
Leave South Carolina First Time Home Buyer Grants and return to First Time Home Buyer Grants State Lists main page.
Go to House Buyer Solutions Home Page.
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Feb 15, 17 05:19 PM
If you're a first time home buyer in Tallahassee Florida, take a look at this nice home. Great schools, very affordable home.
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Eagle's Nest Camp is a residential camp located just outside of Brevard in Western North Carolina. We offer a variety of activities in our one, two and three week long sessions for boys and girls who have finished kindergarten - 11th grade. Brochure designed by: Atlas Branding www.atlasbranding.com
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Eknath Khadse didn't dial Dawood Ibrahim: Anti-Terror Squad
The Maharashtra Anti-Terrorism Squad (ATS) has given a clean chit to BJP leader and former Revenue Minister Eknath Khadse in connection with the charge that he exchange phone calls with fugitive underworld don Dawood Ibrahim, according to media reports.
The Maharashtra ATS may even file a case against 'whistleblower' Manish Bangale, who had alleged that the BJP leader made phone calls to India's most wanted terrorist, Dawood Ibrahim, in Pakistan, the report said.
Khadse had refuted the allegation saying that the mobile number referring was not operational for the past one year. "The cellular company IDEA has given in writing that no international call has been made or received from the number in question," Khadse added.
On June 4, Revenue Minister and BJP leader Eknath Khadse, the de facto No.2 in the state government, quits after getting embroiled in multiple controversies, including graft allegations in a questionable land deal and alleged links with underworld don Dawood Ibrahim.
Khadse defended himself saying he had "committed no wrong" nor "misused his official position". He said he was a victim of "trial by the media" in the past few weeks.
"I have done nothing wrong…when the allegations were made against me, I asked them (those levelling the charges) to provide evidence, which they did not give. I request the chief minister to conduct a thorough probe into the allegations and those making them," Khadse had said.


text: MainStoriesJamaican Prime Minister Honors Special Olympics Athletes Listen Jamaican Prime Minister Honors Special Olympics Athletes Karl Hejlik | Mar 21, 2013 | North America: Jamaica The Most Honorable Portia Simpson Miller hosted a luncheon 14 March for athletes who represented Jamaica at the Special Olympics World Winter Games in Korea earlier this year. "She believes in inclusion, and our athletes did us so proud on the ice," said Lorna Bell, Executive Director for Special Olympics Jamaica. "She thought it important to honor all the major players who made this possible." About Me:Senior Manager, Health and Research Communications. Read More Stories I Found my Capabilities through my DisabilityNomthandazo DladlaShe can be seen, Special Olympics athlete Saga HänninenMika HänninenThanks to Special Olympics Young Athletes, I now see my child as a winnerNomfundo KhumaloAfrica Football Match Raises Awareness for Special Olympics HealthAnnemarie HillThe 2016 Israeli Sports Ministry Awards ceremony Reuven AstrachanTraining for Floorball Makes a Marvel in Cote d'IvoireRomi ReineckeEye Exam Leads to Clear Vision and New InsightsNaomi Saliu-LawalRemembering Billy Quick, Whose Name Said it AllChristy WeirRealising that the r-word is not a laughing matterAnonymousI never was someone who openly said the r-word in order to shame or insult another human being. But I would occasionally laugh or join in with a joke.I'm Proud To Still Be At School!Phetsile NgubeniAchieving Their Personal Best: A Coach's Story from SwazilandSabelo DlaminiDo You Have A Story to Share?Share Your Story More Stories


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Katrina Darrell Net Worth: Katrina Darrell is an American musician and model who has a net worth of $50 thousand dollars. Born in 1987, Katrina Darrell, who was primarily homeschooled as a kid, is best known for appearing on the reality singing competition "American Idol" wearing only bathing suits. She earned the nickname "Bikini Girl" after her performance. Darrell was on the show's eighth season and was eliminated in February of 2009. Prior to that, she appeared on 2002's "Rocket Power: Race Against New Zealand" and in the Mary-Kate and Ashley Olsen movie "Passport to Paris" in 1999. Her more recent credits include a part as a model in 2013's "Bloomers" and the role of Michelle in the 2014 movie "All Saints Eve". She has been featured as a singer on several songs, including "Vision of Love" off the "American Idol" album. Her other musical credits are "Big Spender", "Goddess", "Bow to Your Princess", and "Chamber of My Own". Darrell, who is of Italian, French, Indian, and Spanish descent, formerly worked as a Hooters girl before breaking into the entertainment industry. In 2012, she was arrested on suspicion of DUI after hitting another car while running a red light as she was driving her mother to the hospital. Darrell allegedly attempted to flee the scene.
Katrina Darrell Net Worth
Katrina Darrell
Date of Birth
Sep 29, 1987 (29 years old)
Actor, Singer
United States of America
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All net worths are calculated by applying a proprietary algorithm. The results are then fact checked and confirmed by a team of editors. We scan all publicly available data and resources and work diligently to ensure that our numbers are the most accurate and up to date net worth data you will find anywhere on the internet.


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iPhone apps
Bionic Surfer FREE
Blast your way through hordes of invading aliens in Bionic Surfer FREE, a stunning new action/adventure game exclusively created for the iPhone and iPod Touch!Aliens have invaded Earth and several nearby colonies, and it's up to you to find out….. Read more
What's New in Version 1.1
-Difficulty selection added
iPhone Screenshots
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Rated 4/5 based on 3 customer reviews.
3/5 stars
Make full version $1 again
ItouchReview1 write:
5/5 stars
This game is the bomb but itunes lower the price on the full version and more people will buy it!
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5/5 stars
Great Game...but
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Bionic Surfer
Blast your way through hordes of invading aliens in Bionic Surfer, a stunning new action/adventure game exclusively created for the iPhone and iPod Touch!Aliens have invaded Earth and several nearby… [more..]
Price: $2.99 |
Puzzle Surfers FREE
First there was no surf, and now aliens have abducted your friend! Could it get any worse? Not if YOU have anything to do with it! Join Jack or Jill in the free version of this puzzle action… [more..]
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Ace Snow Surfers - Snowman vs Racing Penguins vs…
Welcome to this super fun racing game ideal for the holidays and beyond!It is beautifully drawn and features some great characters.4 great landscapes to enjoy, including Snowy Sunrise and Midnight Run… [more..]
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Tile Surfer (Ads Free)
Have fun surfing in this space dash adventure. Surf along the white lines and collect as many coins as possible on your way. However, remember to avoid glowing obstacles – all that glitters is not… [more..]
Price: $1.99 |
Acme Monster Surfers Multiplayer Mania: Adventure…
Ride endless monster waves as only a cute tiny monster can! Wax your stick and throw on those monster baggies 'cusp Acme Tiny Monster Surfer wants to hang ten and shoot some sick tubes! Drive your… [more..]
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Penguin Surfer PRO FREE - A Fun Kids Game!
What could be more terrifying than a polar bear on a speedboat that wants to make you his lunch? How about a polar bear on a jetski? Every penguin should be able to enjoy a nice freezing afternoon of… [more..]
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Bionic Band
If you don't have the amazing Bionic Band(TM) then you will want it! If you have one than you have already been blown away. This app is a complete comprehensive guide for beginner or expert for… [more..]
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Bionic Ear
Have you ever wanted to spy on your co-workers without getting caught? Have you ever wanted to know what people say about you behind your back? Introducing the Bionic Ear application for the iPhone.… [more..]
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Bionic Ears
Finally, serious ear training for serious music students.If you've ever been frustrated that hours of ear training with a computer doesn't translate to results on the bandstand, this app is… [more..]
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©2005-2017 TheTopTens® All rights reserved.
Best '80s Bands and Singers
The Top Ten
1 Michael Jackson Michael Joseph Jackson was born on August 29, 1958 in Gary, Indiana and passed away on June 25, 2009. Michael Jackson was a singer, songwriter, producer, choreographer, entertainer and humanitarian. He donated (at least) a remarkable 300,000,000 dollars to charity. Michael is also known as The King ...read more.
Michael Jackson's the man! From Jackson 5 to now he's amazing!
2 Prince Prince Rogers Nelson (June 7, 1958 - April 21st, 2016) was an American musician, best known for being one of the most popular and influential artists from the 80s, with songs such as "Purple Rain", "Little Red Corvette", "1999", and "When Doves Cry" . V 1 Comment
3 Guns N' Roses
The best band ever
4 Madonna Madonna Louise Ciccone is an American singer, songwriter, actress, and businesswoman. She influenced a lot of singers such as: Lady Gaga, Jennifer Lopez, Rihanna, Beyonce Knowles and Britney Spears . She is known as Queen of Pop and at modern pop culture specifically in 2012 "Madge" or MDNA . She has ...read more.
Madonna's really cool and hip. I love tons of her songs!
5 AC/DC AC/DC are a Australian hard rock band, formed in November 1973 by brothers Malcolm and Angus Young, who continued as members until Malcolm's illness and departure in 2014. They were fronted by Bon Scott until his untimely death due to alcohol poisoning in 1980, after which they hired Brian Johnson to ...read more.
Best band ever, in the 80's their album back in black went to #1 in the u. s. a charts even though they lost their front man Bon Scott plus their concerts were awesome
6 Metallica Metallica is an American Thrash Metal band formed in 1981 . The original lineup was James Hetfield (Vocalist and Rhythm guitarist), Dave Mustaine (Lead Guitar), Lars Ulrich (Drums), Ron McGovney (Bassist). The group came into mainstream from their Self-Titled album and the hit single "Enter Sandman". ...read more.
7 The Police The Police were an English rock band formed in London in 1977. For the majority of their history, the band consisted of Sting, Andy Summers and Stewart Copeland.
8 U2 U2 are an Irish rock band from Dublin. Formed in 1976, the group consists of Bono, the Edge, Adam Clayton, and Larry Mullen Jr. U2's early sound was rooted in post-punk but eventually grew to incorporate influences from many genres of popular music. Throughout the group's musical pursuits, they have ...read more.
9 Freddie Mercury Freddie Mercury was born in Stone Town, Tanzania he later became a British singer, songwriter and record producer, known as the lead vocalist and songwriter of the rock band Queen. He also became known for his flamboyant stage persona and four-octave vocal range. Before he became a singer he has been ...read more.
10 Def Leppard Def Leppard are an English rock band formed in 1977 in Sheffield as part of the new wave of British heavy metal movement.
The Contenders
11 Bon Jovi Bon Jovi is a hard rock band formed in 1983, which had a streak of successful albums in the late 1980s. The band originally consisted of lead vocalist Jon Bon Jovi, guitarist Ritchie Sambora (left in 2013), bassist Alec John Such (left in 1994), keyboard David Bryan, and drummer Tico Torres. The band's ...read more.
12 INXS INXS were an Australian rock band, formed as The Farriss Brothers in 1977 in Sydney, New South Wales.
13 Queen Queen are a British rock group formed in 1970. Members were Freddie Mercury (Vocals and Piano), Brian May (Guitar, Vocals), Roger Taylor (Drums, Vocals), and John Deacon (Bass Guitar, Vocals). Before forming into Queen, Brian May and Roger Taylor had played together in a band named Smile. Freddie Mercury ...read more.
14 Depeche Mode Depeche Mode are an English electronic and synth-pop band formed in 1980 in Basildon, Essex. The group's original line-up consisted of Dave Gahan, Martin Gore, Andy Fletcher, and Vince Clarke.
Martin Gore, Dave Gahan, Andy Fletcher
15 Chuck Schuldiner Charles Michael "Chuck" Schuldiner was an American singer, songwriter, and guitarist, best known as the founder and vocalist, guitarist and bassist of the American heavy metal band Death. He is considered the most influential figure in Death Metal, with some publications referring to Chuck as the "Godfather ...read more.
16 Iron Maiden Iron Maiden are an English heavy metal band formed in Leyton, East London, in 1975 by bassist and primary songwriter Steve Harris. They were known for some big hits such as The Trooper, and The Number of the Beast, and have released 16 studio albums . The New Wave of British Heavy Metal Pioneers would ...read more.
17 Nirvana Nirvana was an American grunge band that was formed in Aberdeen, Washington in 1987. Nirvana disbanded after Kurt Cobain committed suicide in 1994. The drummer of the band, David Grohl, went on to start the Foo-Fighters, an alternative rock band. ...read more.
18 Blind Guardian Blind Guardian is a German power metal band formed in the mid-1980s in West Germany. They are often credited as one of the seminal and most influential bands in the power metal and speed metal subgenres. Heavily influenced by Queen, they use the technique of overdubbing. They also incorporate large ...read more.
19 Megadeth Megadeth is an American thrash metal band from Los Angeles, California. The group was formed in 1983 by guitarist Dave Mustaine and bassist David Ellefson, shortly after Mustaine's dismissal from Metallica. They have released 15 studio albums, and their biggest hits are Symphony of Destruction, Holy ...read more.
20 Rush Rush is a Canadian progressive rock band that was formed in 1968. Even though the only founding member still in the band is Alex Lifeson (Guitar), the band is most well-known for their current members Neil Peart (Drums) and Geddy Lee (Bass, Vocals). ...read more.
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