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Topic: A call to create a new kind of exchange (Read 1624 times)
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A call to create a new kind of exchange
August 11, 2011, 06:47:37 PM
Without going into too much details discussed in other thread, there is a very serious problem with Bitcoins these days and that's the simple fact that it's hard as hell to get a hold of Bitcoins initially.
You can read a
discussion I'm having on Reddit
in this matter, and I've came to a realization that Bitcoin needs a new type of an exchange, and the current ones are hampering the progress of Bitcoin not because they exist, but rather because they are practically the only gateway to Bitcoin.
The largest exchanges that exists today are operated as Stock Exchange, while we all know that real-life exchanges are either small privately owned brick and mortar shops that you can come in and buy/sell currencies, or banks that people trade currency with the bank and not with other traders.
What I'm proposing is an exchange that will have it's own supply of money, and instead of trading against/with other traders, users will buy coins/dollars directly from the exchange (as long it has the currency in stock). Very much like the brick and mortar exchanges we all have down the street (well, some of us have them down the street, depending where you live).
In order for this exchange to operate, it will need to rely on the exchange rate to provide it with the actual exchange rates that Bitcoin is being traded on those stock markets.
One other thing that is important to understand is that these exchanges are not ment to be used by day traders, but instead to provide an entry for regular users who only want to acquire Bitcoins to use them or to sell Bitcoins that they have in order to get fiat money to pay bills and rent. It could be used by day traders, but in my opinion the exchange would have to protect itself by increasing the cut it takes from users (day traders) in order to stay profitable and avoid an exchange being used as a stock market.
Creating such an exchange (not a stock market) requires the exchange owner having a lot of currency being held in stock for people to buy and sell the currencies he buys and sells.
This looks like a problem because not money people are interested in dropping the necessary funds for such an exchange.
If we consider that there are approximately 7 million coins in existence (neglecting the fact that there are a lot of "lost coins"), and at the current exchange rate that means around $70,000,000 worth of coins out there.
The average amount of coins that a regular user needs is around $100 - $5,000 worth of coins (my own assumption and numbers, they don't mean anything, and are just used for the sake of this explanation), that means that there are at most 14,000 people with $5,000 worth of bitcoins, and at most 70,000 people with $100 worth of bitcoins. In any case this is a worth while business as long as bitcoin does not completely collapses it's has a lot of money in it, and it's clearly needed and used by people around the world.
There are around $500,000 - $1,500,000 bitcoins traded daily on all the stock markets (MtGox, TradeHill, etc'), most of these exchanges are probably day traders who try to profit from the high volatility of Bitcoin.
Let's assume that the day traders are responsible for 60% of all the traffic in the stock markets, and let's assume that the average volume traded is $1,000,000 - a nice round number.
So from those assumptions we conclude that there are $400,000 worth of coins exchanging hands every day by people who are not day traders, and are actually helping the bitcoin economy because they buy stuff and services and sell them.
So if we want to create a true exchange service (not another stock market) we need a lot of money, at least $400,000 to start with in Bitcoins and USD. This is just to buy Bitcoin to keep them for customers when they are interested in buying Bitcoins, and having some USD in order to buy bitcoins from customers who want USD.
On top of that, a good exchange would provide easy ways of getting money to them. Eventually these exchange are for-profit, and the more traffic they have within them the better it's for them, and the more profitable they are. So providing good, easy, and fast methods of converting Bitcoin to USD (and other currencies in the future) will need at least $30,000 - $50,000 (wages, salaries, bank/visa fees, etc') to operate.
$50,000 monthly is not sounding so bad when considering a market that grows at a rate of
577% on average every month
for Bitcoin exchanges.
Let's assume that a good, easy, fast Bitcoin exchange will have a daily traffic of $400,000, so monthly it means $12 million. In order for the exchange to be profitable, or at least maintaining a break even stability, it needs $50,000 monthly, that means 0.41666% is needed to be taken by the exchange in order to cover its expenses. Obviously not including rise and fall in bitcoin-to-usd value which can sometimes dramatically change the bottom lines.
So in order to provide a worth while exchange for people to have as a good, fast, reliable gate into and out of bitcoins, we need $400,000 in cash, and initially $200,000 to support 4 months of operation assuming loss, and assuming that by the 4th month the exchange can at least break even.
For this we also need to add the cost of setting up such an operation, that would require to open bank account in at least 4-5 desirable locations (USA, UK, Central Europe, Middle East, far east is not included in this list as I'm not familiar with them or their methods of operations as of now), this would cost an additional $20,000 - $50,000 before the exchange start operations.
All in all, we need around $650,000 in initial investment to create such an exchange. Or 70,000 Bitcoins.
I have a hard time imagining anyone dropping more almost a million dollars in advance in to Bitcoin today, but an investment of $250,000 is something that some investors would take seriously if proposed with the right business idea and plan.
So, we can assume to find an entrepreneur that would be willing to devote his time to such a project, and we can assume to find an investor that will be willing to invest the initial funding needed ($250,000) when there is a sound business plan and the right people behind it.
Where to get the missing $400,000? The users.
As explained earlier, such an exchange would need to have $400,000 in Bitcoins and USD to operate on a daily basis without "currency out of stock" error messages. So that means the exchange will need around $200,000 in USD and $200,000 in Bitcoins, or 10,000 bitcoins.
If such an exchange would rise today, to could take 2-4% from every exchange made on it, creating a profit margin of ~1.5-3.5%. This high % is high indeed, but considering that it suppose to be a business, and considering that it's the only one, it needs that kind of profit margins to be profitable and to exist. I'm paying a lot more when I'm getting a bank check or a wire transfer any way, and PayPal and services like it take those kind of percentages anyway.
An unlike PayPal, once you got Bitcoins, you are no longer paying transaction fees like you have to with fiat currency and services like PayPal and Dwolla, so this fees should not scare anyone or seem outrageous. And when Bitcoin evolves and becomes the next best things as we all hope and dream, than exchanges like that will be a regular business type in the Bitcoin landscape, so you can expect fees to get lower and lower to levels of below 0.41666% as the
The users I mentioned earlier - The only way to get the funding the initial funding needed for such an exchange is from us, the early adopters of Bitcoin, people who already have coins lying around in our offline wallets or sitting on a stock exchange like MtGox.
The fact that you have coins in MtGox or your offline wallet means only one thing - it's locked away from the rest of the users, and no one, including yourself is not profiting from the existence of the coins.
In the world we so oftentimes criticize we have banks that pay us interest for any excess money we have. This works pretty good (except that we have a centralized bank...) for all the parties involved - The bank gets to have your money and make even more money by lending or buying stocks with it, and you get to have interest on any excess money (or other types of property/tangibles) that we may have.
So in order for the exchange to operate, and for us the users to have interest in helping it operate, the exchange needs to promise us that it will include us, the bitcoin holders, in the profits it makes. Bitcoins that will be deposited into such an exchange will have interest rate to them, and your money will start working for you, with the help of the exchange.
It may sound like a bank, and it may sound like we are going to trust some unknown entity to safegaurd our cash, and it sounds correct, but it's necessary for Bitcoin to become a widespread tool used by many people around the world, and in general advancing the bitcoin economy. And in any case that's what happens in our real life today, so at least we could opt to move to Bitcoins like Rick Falkvinge did a while ago.
What is really needed for this to become a reality is a few of us that have in total enough bitcoins to create the initial liquidity that such an exchange needs, and we need a trustworthy entity that is willing to take all the necessary regulatory steps to be liable for the cash that people invest in it.
Such an exchange needs to be entirely transparent, all of the code used to manage the exchange and all of the banking information needs to be reviewable by attorneys and people who just want to take a peek into the books.
I would be willing to put $1,000 worth of bitcoins on a very risky business like that that has the potential to get me a high return on investment even if bitcoin remains in $10 or even goes down to $1, I won't really care, because my money will generate
just because it exists, and not because some speculations are moving the exchange rate up or down.
I'm not a financialist or an attorney, I don't fully understand what is needed to create such an entity, but I do understand that if it's done right, it's something that I will fully support with my hard earned cash in order to push Bitcoin to where it needs to be, even if that investment can very risky.
I'm pledging 16.8295 Bitcoins as an investment (loan for the initial liquidity) for any business that comes along and can stand to the rigorous expectation that I have and will be written if this gets the support it needs from the community.
Let me know if this makes any sense...
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Re: A call to create a new kind of exchange
August 11, 2011, 10:21:15 PM
Sorry, too long, couldn't read the whole thing.
But your idea seems to be that we should convince several people (or groups of people) with a quarter million dollars or so that they should speculate on the bitcoin markets, right? And that instead of following their own discretion for pricing, they should all make trades at exactly the published rate from one/all of the exchanges?
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Re: A call to create a new kind of exchange
August 11, 2011, 10:43:26 PM
Seems like a great idea on the surface as we all like to keep things centralized and neat (we've been brainwashed that way). I would just worry that it would give the exchange too much ability to easily manipulate the market. I like the idea of bitcoin exchanges as they exist now. I think the stock exchanges you want to emulate are less free than the current bitcoin exchanges. Decentralization is the key to bitcoin. While your idea would probably provide more liquidity, I'm not sure if I'd be for it or against it until I heard more arguments on both sides.
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Activity: 26
Re: A call to create a new kind of exchange
August 11, 2011, 10:51:07 PM
You're describing
Nanaimo Gold
. To stay profitable, they charge a
spread. They're currently selling Bitcoin for $11.85, but buying it for only $6. Your exchange service would have to do the same thing.
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Activity: 128
Re: A call to create a new kind of exchange
August 12, 2011, 01:37:11 PM
Quote from: Quetzalcoatl_ on August 11, 2011, 10:51:07 PM
You're describing
Nanaimo Gold
. To stay profitable, they charge a
spread. They're currently selling Bitcoin for $11.85, but buying it for only $6. Your exchange service would have to do the same thing.
No, not exactly.
What I'm describing is something that will be fully transparent to get my trust and to win my coins (even as a loan...). Also I'm requiring some trusted 3rd party (large international law firm, for example) that would vouch for the company and the people behind the company.
Nothing like nanimogold.com.
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Activity: 238
Re: A call to create a new kind of exchange
August 12, 2011, 05:05:59 PM
Sounds like us in a lot of ways.
We do what nanaimo gold does (+ more) for way way better prices.
And we deal directly with well known financial institutions.
We also allow direct cash deposit at any of our business account bank branches.
Activity: 1876
Re: A call to create a new kind of exchange
August 12, 2011, 06:26:38 PM
If anyone could make the below a reality, that would be nice. Still rife with design problems though when you get to the 'edges' where money has to change hands.
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Re: A call to create a new kind of exchange
August 12, 2011, 06:42:23 PM
Exchange in a Box, coming soon to the Global Bitcoin Stock Exchange (glbse.com), where all you'll need is a bank account and an internet connection.
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Activity: 76
Re: A call to create a new kind of exchange
August 13, 2011, 07:26:34 AM
No one's mentioned
yet. It's AUD only, but I think it uses the model you're referring to. It has a very reasonable spread, and the best thing is that you pay the current price (though you might have to wait a day or two for the transaction to complete).
I highly recommend it for Aussies, and I hope it's model is replicated for other countries.
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Re: A call to create a new kind of exchange
August 13, 2011, 10:36:06 PM
This is the second time I've read this thread because the first time it was way to long to read sensibly.
What you are describing is like the currency exchange kiosks and banks scattered everywhere. They run by charging a spread. BITpiggy looks like +/-6% and most currency exchanges work on 3% to 10% depending on the liquidity and volatility. (I did see an airport two weeks ago with a 30% spread on the yen!!!!! and a few more !!!!)
While anyone has access to the exchanges directly and easily, they can trade there fairly easily. The reason ordinary people don't do that with GBP or USD or SGD is that they don't have access to the forex directly. However, with BTC anyone does, and you need to have your cleared funds there in advance.
The problem is with the transaction fees for cross-border transfers of the spendable physical currency. BitPiggy can avoid that by accepting coin and paying direct via internet banking, or you could use a merchant service. i.e. you trade directly out of you bank account or BTC wallet to the "exchange". If you agreed to another benchmark price for pricing, and the operator is happy to take the swings to self hedge, then it could work.
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Best Caravan Park in Britain 2017
This stylish, award-winning caravan park has been named the Best Caravan Site in Britain 2017, voted top of the 100 best British sites by Practical Caravan. Located in the lush grounds of a former Manor House in the heart of Dorset - and only three miles from Poole, South Lytchett Manor offers the discerning caravan enthusiast a perfect base from which to explore the beautiful surrounding countryside. It also has a full range of on-site facilities to ensure a trouble-free and peaceful stay in the lovely South West of England.
Caravan sites in Dorset
• New hard standing pitches with electric hook-ups and TV connection available
• Individual picnic bench
• Top quality, modern shower and toilet facilities with piped music, cleaned throughout the day to ensure a high standard is maintained
• Shaving sockets, power points, hairdryers and family/disabled shower rooms available in the shower block
• Chemical disposal points
• Laundry and drying room
• Indoor dish washing area
• Cycles are available to hire from reception
• Brand new children's adventure playground for 2017
• Well-stocked shop offering fresh, good quality provisions, free range eggs, caravan equipment and supplies, maps and guides
• Local pubs within walking distance
• Regular buses stop outside main gates, to Poole – The Coast with the Most, Swanage and along the Jurassic Coast to Weymouth.
> For other site facilities, click here.
South Lytchett Manor is an award-winning caravan and camping park offering every modern facility in tranquil parkland just three miles from Poole and 20 minutes from Bournemouth. In addition to a beautiful setting, the site has hardstanding pitches, top quality washrooms with piped music and fresh flowers, motorhome waste-disposal points and a well-stocked shop. There are large pitches for twin axles and the site also offers free Wi-Fi, an adventure playground, a games room, bicycle hire, and events for children. Regular buses stop at the site gates, so visitors can park a caravan or motorhome safely on a great pitch and then explore Poole, Swanage or Weymouth by bus.
Latest From The News & Blog
New Play Park Open
Play park heaven for little campers As a family friendly campsite we are always keen to ensure that our younger visitors have an enjoyable time as much as their parents. So this year we [...]
10 Of The Best Dorset Beaches
A big draw for visitors to our area are the stunning Dorset beaches which stretch all along the county's coast. From bucket and spade family friendly beaches to the pebbly hidden gems that the [...]
Help us stay at the top!
Help us stay at the top! Everyone at South Lytchett Manor was delighted to be voted best British site for caravanning, camping and motorhomes in 2017. Many thanks to everyone who voted for us [...]
Happy Campers ツ
Nice site, friendly staff even when busy, good sized pitches – strict rules about how to pitch your tent and tent spacing. A Good Thing; you won't go to bed and wake up to find some numpty has crossed guylines with you in the night. Well stocked small shop. Shame we only had the time to stay one night. We will be back.
Fantastic friendly staff that were happy to accommodate us arriving late. Incredibly clean facilities and a host of dog and child friendly areas. Highly recommended to friends who are booking up for this season. Looking forward to going back to SLMC&CP very soon.


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Physics Formulas (SparkCharts)by SparkNotes Editors, Justin Kestler (Editor), Sarah Friedberg (Editor), Matt Daniels (Illustrator), Dan O. Williams (Illustrator)
SparkChartsTM—created by Harvard students for students everywhere—serve as study companions and reference tools that cover a wide range of college and graduate school subjects, including Business, Computer Programming, Medicine, Law, Foreign Language, Humanities, and Science. Titles like How to Study, Microsoft Word for Windows, Microsoft Powerpoint for Windows, and HTML give you what it takes to find success in school and beyond. Outlines and summaries cover key points, while diagrams and tables make difficult concepts easier to digest.
This two-page chart lists the most important physics formulas, divided into the following sections:
- Physical constants
- Dynamics
- Vector formulas
- Electromagnetic constants
- Optics
- Work, energy, power
- Momentum and impulse
- Kinematics
- Waves
- Rotational motion
- Simple harmonic motion
- Electricity
- Magnetism
- Thermodynamics
- Gravity
Product Details
- 9781586636630
- Publisher:
- Sterling
- Publication date:
- 09/15/2002
- Series:
- SparkCharts Series
- Pages:
- 2
- Product dimensions:
- 8.50(w) x 11.00(h) x 0.10(d)
Customer Reviews
Average Review:
Most Helpful Customer Reviews
See all customer reviews
I bought this physics spark chart for my Adv. Physics class (I'm a senior in high school) and it has helped me just about everything! It's clear and concise; very easy to understand. I would recommend this to anyone who is currently enrolled, or soon to be enrolled in a physics course.


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Apartment for three people in the heart of Madrid.1/16Experience Spain's capital city
Madrid | Discover Spain's midpoint around the Puerta del Sol and the Palacio Real with a city apartment in the heart of the royal capital.
Apartment for up to four people in the El Poble Sec quarter.2/16More than just a city trip
Barcelona | Sagrada Familia, Museu Picasso and not forgetting the blue shimmering Mediterranean. Nowhere else are culture and the beach close next to each other than in the Catalan capital.
Luxury safari tent for four people on the Costa de la Luz3/16That's a holiday home?
Spain | Whether it's castles, caves, stately mansion houses or former windmills – if you're searching for extraordinary holiday homes, you'll find them here.
10% discount at this apartment with a sea view at the beautiful resort of Roses.4/16Savings in Spain
You'll find all the properties that have been reduced in the summer months here. Select a travel period, and you'll immediately see – from the crossed-out prices – whether your preferred date is available at a discount.
Country house near Barcelona that has been furnished in a particularly stylish way.5/16Beauty comes from inside
Spain | It doesn't always have to be the usual interior furnishings. Let yourself be surprised by the extraordinary. Here you will find holiday homes with a certain something.
6/16Vacation with your dog
Spain | With these holiday houses it is explicitely allowed to bring pets so that your faithful four legged friend can also enjoy a relaxing and eventful holiday.
Holiday villa for six people in Andalusia, located directly on the steep coast.7/16Vacation with sea view
Spain's coast | Gaze across the sea, watch the sun disappear in the water and enjoy a glass of wine at the Mediterranean Sea: This is possible in one of these holiday apartments.
Large finca for up to nine people near Llucmajor on Majorca.8/16XXL Balearic Islands
Balearic Islands | You can take your friends along to these holiday homes. A minimum of four bedrooms promise enough space for all fellow travellers and the property's own pool completes the range of holiday delights.
Madrid | Experience Spain's capital city
From USD 542
Barcelona | City trip between beach and culture
From USD 646
Spain | That's a holiday home?
From USD 409
Savings in Spain
From USD 455
Spain | Beauty comes from inside
From USD 713
Spain | Vacation with your dog
From USD 468
Spain's coast | Vacation with sea view
From USD 234
Balearic Islands | XXL Pool villas
From USD 826
Reviews from our customers
The top rated locations in Extremadura
Neighbouring holiday regions Extremadura
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Valencia de Alcántara, Extremadura
Holiday home for max. 2 personsfrom USD 525for 1 weekApprox. 45 m², 1 bedroom, 1 bathroom, pets are allowed (max. 1), satellite TV, Complete WLAN coverage, Mountain lodge, communal swimming pool, Agriturismo, FincaThere are 5 further property types with 5 accommodations for this complex
- Holiday home for max. 3 adults + 1 child, approx. 70 m², 2 bedrooms, property no. 724490 Preview from USD 736/week
- Holiday home for max. 1 adult + 1 child, approx. 70 m², 1 bedroom, property no. 724502 Preview from USD 549/week
- Holiday home for max. 1 adult + 1 child, approx. 45 m², 1 bedroom, property no. 724506 Preview from USD 525/week
- Holiday home for max. 2 persons, approx. 35 m², property no. 810178 Preview from USD 490/week
- Holiday home for max. 5 adults + 2 children, approx. 150 m², 4 bedrooms, property no. 934233 Preview from USD 736/week
Montánchez, Extremadura
Holiday home for max. 6 personsfrom USD 1,493for 1 weekApprox. 400 m², 3 bedrooms, 4 bathrooms, pets are allowed (on request), washing machine, non-smoking property, farm holidays, Agriturismo, FincaThere are 2 further property types with 2 accommodations for this complex
- Room for max. 2 persons, approx. 25 m², 2 bedrooms, property no. 1235504 Preview from USD 450/week
- Holiday home for max. 2 persons, approx. 84 m², 1 bedroom, property no. 730561 Preview from USD 743/week
Alcuéscar, Extremadura
Holiday apartment for max. 4 personsfrom USD 662for 1 weekApprox. 60 m², 1 bedroom, 1 bathroom, pets are allowed (max. 2), farm holidaysThis holiday apartment was last booked 3 days ago.There is one further property type with one accommodation for this complex
- Studio for max. 3 persons, approx. 50 m², property no. 1272581 Preview from USD 441/week
Cuacos de Yuste, Extremadura
Holiday home for max. 5 personsfrom USD 899for 1 weekApprox. 90 m², 2 bedrooms, 2 bathrooms, pets are allowed (on request), satellite TV, Complete WLAN coverage, washing machine, communal swimming pool, Agriturismo, Half-timbered houseThere are 2 further property types with 2 accommodations for this complex
- Holiday apartment for max. 4 persons, approx. 60 m², 2 bedrooms, property no. 682973 Preview from USD 817/week
- Holiday apartment for max. 3 persons, approx. 50 m², 1 bedroom, property no. 682976 Preview from USD 613/week
Take a look at the current commercial by TUI villas here!
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Service and contact
E-mails and requests sent via the form are processed around the clock, even on weekends and on public holidays.
Or call us on
Mon-Fri 8 a.m. to 5 p.m.,
Sat 8 a.m. to 12 a.m.
(Greenwich Mean Time)
We speak English.


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GALAX JSR3650 Service Manual
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About one hour after checkout, the manual was available for download. Clear reading and detailed. Thanks
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Within 2 hours the service manual for an Uher SG-560 tape recorder was received. The quality is perfect and the service is excellent. Bravo. I will be present many more times.
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Distances are measured as a straight line, calculated from a starting point to a destination point
We also have great deals in the following cities that fit your search criteria.
Kalda Talu provides self-catering accommodation. It is also possible to request a buffet breakfast or use barbecue facilities on site.
Approximate price - Price per room/night
The nearest restaurant is 2 km from the property. The Sangaste Castle is 1 km away. The nearest beach is 7 km away, the Kuutsemäe skiing centre is 16 km from the property, and the city of Otepää is within 24 km.
Approximate price - Price per room/night
The property is surrounded by a beautiful park with 250 types of trees. There are also picturesque ponds, where canoeing is possible. Guests are welcome to relax on a terrace with barbecue facilities.
Approximate price - Price per room/night
It is 3 km to Karula National Park. Snagaste Castle is 15 kilometres away.
Approximate price - Price per room/night
Sangaste Rukki Maja Guesthouse is situated 150 metres from Sangaste Bus Station. The nearest railway station, Keeni, is 8.4 km away. Free on-site parking is provided.
Approximate price - Price per room/night
Valga Bus Station and Train Station are located 1.2 km away. Pedele River, allowing for a nice swim in the summer, is 1.4 km away.
Approximate price - Price per room/night
The rustic-style restaurant is decorated with animal skins and hunting trophies, offering a terrace for dining during the summer months. A buffet breakfast is provided each morning.
Approximate price - Price per room/night
Valga Train Station is located 2,4 km away from Helge Guest House. It is 2.1 km to the centre of Valga and 900 metres to the border with Latvia.
Approximate price - Price per room/night
There is a dining area and a kitchen. A flat-screen TV with cable channels and DVD player is available. Other facilities at Rahamäe Holiday Home include a barbecue.
Approximate price - Price per room/night
The Antsla Train Station is 700 metres away and the town centre is 300 metres away. The guesthouse offers free, private parking and runs bicycle rentals.
Approximate price - Price per room/night
Guests can enjoy various activities in the surroundings, including horse riding and canoeing. The guest house also offers bike hire.
The kitchenette is fitted with a microwave, a fridge and a stovetop, as well as a kettle. Other facilities at Pärnamäe Holiday House include a sauna.
The three-bedroom apartment is located on the first floor of the classicist Kudina manor, in the former quarters of the manor serving staff. The air-conditioned and heated rooms and the decor reflect the era in which the manor was built. The...
Welcome to Tõlliste. Enter your dates and choose from over properties!. Find a place to stay in Tõlliste. Book the best price! Tõlliste → Guest accommodation Tõlliste. Cheap Hotels, Discounts, Hotel Deals and Offers • Tõlliste hotels — Let ihr24.com find the perfect hotel in Tõlliste for you.
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Self-learning machines and smart robots are coming to an industry near you
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Volta Metal Detectable (MD) series positive-drive conveyor belting
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text: A Letter To All The People Of The World May 24, 2015 @ 14:58 Source PREVIOUS NEXT Facebook Google+ Pinterest StumbleUpon What did you think of the image? Cancel reply More funny pictures from this site:The World Needs More People Like ThisIn 1000 years this will be one of the world's greatest mysteries. Why did ancient people stack stones? Was it worship? Was it ALIENS?!There Are Two Different Kinds Of People In The WorldTwo Types Of People In This WorldBeautiful Steampunk BathroomIf God Could Speak To UsPerfect Ending To A Great LifeThis Dog Came From HeavenOld Vs. Young PeopleIt's Not You, It's Me


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Of course entering a foreign university is not only about Toefl and GRE, you have to be ready to make really good application profile, and the tests are just part of it. Basically at the time you will get an offer from university you wouldn't even think about passing the tests in the near past, you would just simply forget it. But when you need to take tests and a deadline is in a few months (in my case in a month) you can't think about anything else at all. As you face this problem you have to be very careful in choosing the school to prepare (for those who want to prepare for GRE by themselves – GOOD LUCK!).
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Kevin is just wonderful tutor, he is great psychologist, he motivates, he encourages, and he is not afraid to overcritize as far as he is telling the truth, besides he has a good sense of humor. But all that does not mean that you will chill out for a month and then easily get high score. Kevin will give you the key, but you have to open the door by yourself, which is challenging but promising issue.
I got offers from three American universities. Two of them gave me a tuition award up to 50%. And in two months starts my Master degree program in Art Administrating at one of the high-rated colleges in USA in my sphere – The Indiana University School of Public and Environmental Affairs.


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Architectural Drafting Design Schools, Training & Programs
There are not many jobs that give you the chance of having work you have contributed to on public show, possibly for generations to come. If you work in Architectural Drafting Design, however, that may be exactly what you can expect.
Architectural Drafters employ their technical skills to develop architectural drawings which are used in building construction. The drawings may be of entire buildings, or may focus on details or sections, sometimes from different perspectives.
You may also work on cost estimating (a vital part of any building project), writing specifications, and creating building models. Architectural Drafting Design workers sometimes specialize in certain types of building, such as industrial or residential, or focus on construction using particular types of material.
Architectural Drafting Design Training
There are no hard and fast rules governing your training and education requirements. Employers in general prefer candidates for jobs who have a formal training however, and you should find that an associate degree in Architectural Drafting Design will considerably enhance your job prospects.
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Does anyone have a suggestion for a good restaurant with views in the hills north of Lucca? I will be staying in Barga for a week and want to try local restaurants with outside seating and a view. I have a car but want to keep the drive under an hour. Thanks in advance.
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Restaurants with a view in the hills north of Lucca?
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I'm sure you'll get some great suggestions, as it seems you are looking for a special occasion place. But, just in case you are looking for suggestions within Barga--it had a high concentration of excellent restaurants! I especially liked L'Altana, L'Osteria, and Scacciguai. At L'Osteria, you may be treated to some free opera from the owner's wife. It has outside seating, but it's in a square.
In addition to the slow food guide, you might want to check out A Culinary Traveller in Tuscany: Exploring and Eating off the Beaten Track. It describes the region well.
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We were in Barga for a week and, like you, tried all the
restos in town.
Barga is unique b/c is has a strong Scottish connection and
some of the restaurants are owned by ex-pat Scots. 'Nuff
said? We ate at one place with a gorgeous view to the south
- just heavenly with one glaring exception that I'll leave
you to guess. (BTW, I'm a 1/2 Scot! lol)
However, we did dine at a great little Italian place that
was in the main square - no panorama - but good food. Sorry,
I never take notice of names.
We loved Barga and the surrounding area.
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I should have prefaced this with yes, I know about the dining options in Barga and am truly looking forward to village life. However, I know I will want to mix it up, perhaps on the way back from Lucca? Pisa? Cinque Terre? I plan on exploring the whole area, so if anyone has a special favorite (yes again,it's my birthday) restaurant with a view, I'd love a suggestion.
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The restaurant at Hotel Porto Roca in Monterosso in the CT has sweeping water views, excellent food.
Parking in town.
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No views - but these two restaurants are on the road to Barga outside of Lucca and we enjoyed them both very much
Michelin one star -
Traditional Luccan cuisine run by a lovely family
Pics on our blog of our meals at Antica Locanda (scroll down) - pics of Butterfly will be there in about a week
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I dont know if any of these have views but here is a list I have made for our trip to Lucca in the next two weeks:
Ristorante Erasmo, Via del Brennero, 1782 at Ponte a Moriano Tel: 0583-406-362, Fax: 0583-57-406.
This one might do it: Ristorante a Palazzo, good country food served up on the mountain with great views towards Lucca. Large outside seating, nice and cool in the summer, big rustic interior dining room. Closed on Wednesdays. S. Giusto di Brancoli, up 10 km along the Sergio River from Lucca, then up the mountain road. Tel: 0583-965-341.
Hope this helps!
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If you are starting in Barga, it is quite a long drive to le Cinque Terre -- probably at least 90 minutes.
This place in Bagni di Lucca has a view, but maybe isn't fancy enough for a special occasion
another choice
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We're off tonight and many thanks for the suggestions. The Circolo deo Forestieri and la Mora look lovely - different from each other but both with the ambience I like. I will keep a list of all and see what happens. Thanks.
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Morgan Stanley Reaffirms "Equal Weight" Rating for Associated Banc-Corp (ASB)
Associated Banc-Corp (NYSE:ASB)'s stock had its "equal weight" rating reissued by analysts at Morgan Stanley in a report released on Thursday, July 6th. They presently have a $25.00 price objective on the bank's stock, up from their prior price objective of $24.00.
Several other research firms have also weighed in on ASB. Jefferies Group LLC reissued a "hold" rating and issued a $27.00 price objective on shares of Associated Banc-Corp in a research report on Sunday, June 11th. Zacks Investment Research downgraded Associated Banc-Corp from a "buy" rating to a "hold" rating in a research note on Friday, April 7th. SunTrust Banks, Inc. upgraded Associated Banc-Corp from a "hold" rating to a "buy" rating in a research note on Wednesday, March 29th. BidaskClub upgraded Associated Banc-Corp from a "sell" rating to a "hold" rating in a research note on Thursday, July 6th. Finally, Keefe, Bruyette & Woods reaffirmed a "hold" rating and issued a $24.00 price target on shares of Associated Banc-Corp in a report on Thursday, March 23rd. One research analyst has rated the stock with a sell rating, ten have issued a hold rating and two have assigned a buy rating to the company. Associated Banc-Corp presently has a consensus rating of "Hold" and a consensus price target of $24.86.
Associated Banc-Corp (ASB) traded down 0.79% during midday trading on Thursday, reaching $25.00. The company's stock had a trading volume of 645,266 shares. The firm has a market capitalization of $3.79 billion, a PE ratio of 18.66 and a beta of 1.17. Associated Banc-Corp has a 1-year low of $17.52 and a 1-year high of $26.70. The firm has a 50 day moving average price of $24.56 and a 200 day moving average price of $24.85.
Associated Banc-Corp (NYSE:ASB) last released its quarterly earnings data on Thursday, April 20th. The bank reported $0.35 earnings per share for the quarter, beating the Thomson Reuters' consensus estimate of $0.32 by $0.03. The company had revenue of $260.11 million for the quarter, compared to the consensus estimate of $266.24 million. Associated Banc-Corp had a return on equity of 7.20% and a net margin of 18.36%. During the same quarter last year, the business posted $0.27 EPS. On average, analysts predict that Associated Banc-Corp will post $1.45 EPS for the current year.
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In related news, CEO Philip B. Flynn sold 10,000 shares of the company's stock in a transaction dated Monday, May 1st. The shares were sold at an average price of $24.81, for a total transaction of $248,100.00. Following the transaction, the chief executive officer now directly owns 127,585 shares in the company, valued at approximately $3,165,383.85. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, insider David L. Stein sold 8,000 shares of the business's stock in a transaction dated Friday, April 28th. The shares were sold at an average price of $25.11, for a total transaction of $200,880.00. Following the completion of the sale, the insider now directly owns 37,518 shares of the company's stock, valued at $942,076.98. The disclosure for this sale can be found here. Over the last 90 days, insiders sold 20,330 shares of company stock worth $508,302. Insiders own 1.80% of the company's stock.
Several hedge funds have recently added to or reduced their stakes in the company. Norges Bank purchased a new stake in shares of Associated Banc-Corp during the fourth quarter worth about $50,013,000. Victory Capital Management Inc. increased its stake in shares of Associated Banc-Corp by 4.6% in the first quarter. Victory Capital Management Inc. now owns 5,176,832 shares of the bank's stock worth $126,315,000 after buying an additional 228,539 shares during the period. Guggenheim Capital LLC increased its stake in shares of Associated Banc-Corp by 54.6% in the fourth quarter. Guggenheim Capital LLC now owns 122,227 shares of the bank's stock worth $3,019,000 after buying an additional 43,185 shares during the period. Retirement Systems of Alabama increased its stake in shares of Associated Banc-Corp by 2.5% in the first quarter. Retirement Systems of Alabama now owns 195,982 shares of the bank's stock worth $4,782,000 after buying an additional 4,768 shares during the period. Finally, Thrivent Financial for Lutherans increased its stake in shares of Associated Banc-Corp by 2.4% in the fourth quarter. Thrivent Financial for Lutherans now owns 89,633 shares of the bank's stock worth $2,214,000 after buying an additional 2,110 shares during the period. Hedge funds and other institutional investors own 77.90% of the company's stock.
Associated Banc-Corp Company Profile
Associated Banc-Corp is a bank holding company. The Company, through its banking subsidiary Associated Bank, National Association (the Bank) and various nonbanking subsidiaries, provides a range of banking and non-banking products and services to individuals. The Company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business, and Risk Management and Shared Services.
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Method for scanning small documents by using a card reader kit
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The invention relates to a card reader kit for scanning a plurality of small documents by using an image scanner and a computer system, and generating a document image file for each of the small documents automatically. The card reader kit comprises a plurality of blocks for placing the small documents and the system comprises a form file which comprises the location of each block on the card reader kit. The method comprises the steps of:(1) placing each of the small documents on one block of the card reader kit;(2) scanning the card reader kit coupled with the small documents into the system to generate a master image file;(3) processing the master image file by using the form file to generate a document image file for each of the small documents.
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My Reading List - MAY 2012
Currently Reading -
Currently Listening to -
Last Edited on: 5/31/12 7:19 AM ET - Total times edited: 81
Currently Reading
Listening To
Last Edited on: 5/28/12 2:05 PM ET - Total times edited: 13
Currently Reading
Red-Headed Step Child by Jaye Wells
Listening To
The Cabinet of Curiosities by Preston & Child
Lethal by Sandra Brown
Zero Day by David Baldacci
Blood Stains by Sharon Sala
To Fetch a Thief by Spencer Quinn
The Tommyknockers by Stephen King
The Lincoln Lawyer by Michael Connelly
Blood Ties by Sharon Sala
Last Edited on: 5/31/12 8:38 AM ET - Total times edited: 7
Don't hate me. I'm reading "If I did It" by The Goldman Family. No, not by O.J., this is "The Ron Goldman Foundation For Justice Authorized Version". It contains an exact replication of the O.J. book, but with a forward and prologue by the Goldman Family explaining why they fought so hard to publish it themselves--so O.J. wouldn't profit from it, and so his "confession" would become published and not disappear should he have had second thoughts. It's fascinating. I haven't gotten to the murders yet and of course am squeamish about how detailed the narrative might be, but I am admittedly hooked.
Double post......?
Last Edited on: 5/1/12 8:59 AM ET - Total times edited: 1
I am reading:
Miss Peregrine's Home for Peculiar Children
Virgin and Martyr Andrew Greeley
Something Beginning With Sarah Salway
Cross Roads Fern Michaels
Model Home Eric Puchner
Hot Lights, Cold Steel, Michael Collins MD
The Prairie Hedge Murders Patricia Stoltey
Mistress of Nothing Kate Pullinger
The Good Doctor Damon Galgut
The Coldman Cometh Bob Durr
Last Edited on: 5/28/12 5:35 PM ET - Total times edited: 7
The Natural Superiority of the Left Hander by James deKay - I'm not left handed but my sister is, I got it for her as a joke book but she already had it. So I read it. It's just a bunch of stuff about being lefthanded told in cartoon form.
The Fifth Woman by Henning Mankell - Excellent Wallender book. I am biased towards Scandinavian crime fiction but this one really had me, I read it in 2 days. Couldn't put it down. It wasn't quite as complicated as some of these books can be and it was a little easier to unravel but it was still a complex and detailed story. There was a little weird bit where they had some connecting male characters pegged as unlikely homosexuals and it turned out they were but that was never shown to matter to the story or their connection to the victim so I wasn't sure what it's purpose was. They kind of hinted at one person being a lesbian, her physical description was very stereotypical lesbian and she obviously hated men, but that didn't really go anywhere either. It wasn't a big part of the story but seemed like a loose end to me. Still a great book.
Evolution of Man: Or How I Ate My Father by Roy Lewis - Cute satirical story told by cave men who speak as though they read English at Cambridge. Pretty funny how they discovered fire.
Unbearable Lightness by Portia de Rossi - Story of Portia's battle with anorexia. It was pretty incredible, it's hard to believe anyone could feel so bad about themselves. It begins and ends with her anorexia, ending before she gets together with Ellen but she does talk about their relationship in an epilog. It is very focused on just her weight issues.
Goodbye Jumbo...Hello Cruel World - Memoir about Louie's weight issues and his mother's death.
Famous For 15 Minutes: My Life With Andy Warhol by Ultra Violet - Excellent account from one of the few people there who remembers what happened. Since she didn't drink or do drugs Ultra has an advantage over her Factory friends, she can remember her past! Very interesting insight into the Factory and Salvador Dali. Talk about being envious of someone's life, she was close friends with both of them, plus many other interesting people.
The Historian by Elizabeth Kostova - Reading club book I would have never chosen otherwise but I really enjoyed it. The ending was a bit of a let down, after a 900 page build up it should take more than one page to do the ending, but it wasn't terrible. I'm glad I read it even though I'm not exactly a vampire fan. Well written and very descri[tive of parts of the world I know little about. It had surprisingly few slow parts for a book of 909 pages. It kept my interest almost completely.
Uncle Remus : His Songs and His Sayings by Joel Chandler Harris - I remembered these stories from childhood books and wanted to revisit them. I'm not sure I agree with the racist claims, if it actually happened it's not racist to write it down. Just because the author was white doesn't make it wrong. He grew up with people who were freed slaves and he heard these tales from them in their vernacular as a child. I can't see the issue with writing them down that way and I believe he did so only as a tribute to the tales and the tellers.
Last Edited on: 5/28/12 3:45 PM ET - Total times edited: 5
Finished: Halfway to Heaven by Susan Wiggs-- Wiggs at her romantic best, I needed a break from my regular reads of mysteries.
Monsieur Pamplemousse by Michael Bond -- A fun little mystery by the author of the childrens' Paddington Bear stories.
Beach Girls by Luanne Rice -- A continuation of the Hubbard's Point series, a story about people who find love when they're not looking for it.
Once A Spy by Keith Thomson -- Undoubtably one of the best books I've read in a long time!! This is Thomson's first book and I can't wait to read the second in this series. A completely different premise for a plot, an ex-spy with Alzheimer's who holds the key to some top secret information [when he's lucid] and his race-track loving son, who have to battle CIA, NSA, and all the other government intelligence departments who are trying to silence them. A rip-roaring, page-turning story that keeps the reader up late at night!! Highly recommended!!
Cold Pursuit by Carla Neggers --- First of the Black Falls series, A good read by Neggers, interesting characters and plot, well developed.
Murder at the National Cathedral by Margaret Truman --- I always enjoy Truman's mysteries. She brings in facts about Washington, DC not known by most people because of her intimate knowledge while living there with her father, Harry Truman. Her mysteries are well-plotted and keep the reader guessing to the very last page.
Girls of Summer by Barbara Bretton --- A wonderful book about sisters, their relationships and how they come to terms with each other. For all women who have sisters, this book will ring true.
The Dead Cat Bounce by Sarah Graves -- Sarah Graves first book and it's a winner. I'd never read any of her books before, hadn't even heard of her until I choose this from another member's shelf because it sounded interesting. It was written in 1998 and there's at least one sequel to the series about Jacobia Tiptree and Ellie White. I intend to see if it's posted and order it. Love Graves' style of writing, a well-developed plot, good mystery and I really like the characters...well, at least most of them.
Reading now: ,
Up next: I haven't decided yet, probably a mix of favorite authors and new-to-me authors.
Last Edited on: 5/30/12 11:10 PM ET - Total times edited: 10
Reading The Historian by Elizabeth Kostova
Uglies by Scott Westerfield
Life As We Knew it by Susan Beth Pfeffer
Obsessive Compulsive Disorder Demystified: An Essential Guide for Understanding and Living with OCD - Eric Storch, Anne Coulter
Last Edited on: 5/4/12 10:43 AM ET - Total times edited: 1
Will finish Five Quarters of the Orange by Joanne Harris in a day or so.
Next up is The Historian - will probably take the whole month to read!
Finished: Girl, Interrupted by S. Kaysen
This Charming Man by Marian Keyes
Z is for Zombies by Adam-Troy Castro (fun little book with great illustrations!)
Barb, I just finished THE FIFTH WOMAN, by Henning Mankell in April. His are always great reads. Well, except DANIEL. I tried to listen to audio version and could not get involved with the book. Now I am reading another Mankell, ONE STEP BEHIND. If I had the time, I could read it cover to cover with only slight breaks. Unfortunately, I must work!!!
In audio, I am finishing today THE CRUELEST MONTH by Louise Penny. This one started out very slowly, but when Chief Inspector Gamache enters the mystery in Three Pines , Southern Quebec , Canada I was trapped in the story. Later today, I will start another Louise Penny, A FATAL GRACE. Sounds like I am in a rut with authors, but I find one I like and reserve them at the library. Actually, if I am really "into" the writing, I want to continue with another so it is like the book never ended. I messed up and read Cruelest Month before Fatal Grace, but maybe it will not matter much.
I need to start paying attention to my challenges and matching books to categories. So I will probably move to a "new" author next.
Last Edited on: 5/4/12 11:19 AM ET - Total times edited: 1
Up Soon
Currently reading "The Tiger's Wife" but can't seem to get into it although it's supposed to be wonderful.
Before that, I read "State of Wonder" by Ann Patchett, which I loved and can't stop thinking about.
In between books right now but I just finished House Rules by Jodi Picoult and 29 Gifts: How a Month of Giving Can Change Your Life by Cami Walker.
Re-runs from last month
The Lonely Polygamist~Barry Udall: this is about 600 pages so it's gonna take me some more time but I am committed
Ragtime~E.L.Doctorow/ Glass Castle~Jeanette Walls
Trying to get back into Snow Falling on Cedars and The Tigers Wife~both very interesting and a good narrative flow but I keep getting interrupted.
The Outlander~ Gil Adamson: Really like it so far, been waiting and wanting to read this for a long time, so glad I found it at the library!
The Factory Girls~ LeslieT.Chang: Borrowed this from a co-worker, haven't read any NF lately except for magazine articles so I am looking forward to getting into this.
NF: Columbine~Dave Cullen
Voluntary Madness~Nora Vincent
Last Edited on: 5/6/12 12:17 AM ET - Total times edited: 1
I just finished Aunt Dimity and the Next of Kin, this is the 10th in the series but the first I read. I don't know why I haven't read these before, I loved the book and will start with the first now. How nice to have a wonderful new series to read!
I am listening to The Case of the man Who Died Laughing the second in this series and starting to read Old Haunts the third in a series I really like also.
Miss Peregrine's Home for Peculiar Children by Ransom Riggs
Friday bumping
Wednesday bumping


text:
Friday, 22 September
Our ever popular Thai night is back for 2017!
The Tasman Room will be beautifully decorated in Thai style, and we will have a stunning selection of Thai dishes on our all-you-can-eat buffet, plus live harness racing action out on the track.
Thai Night is always a hit, and sells out fast – book in now to avoid disappointment!
THAI NIGHT | PREMIUM BEVERAGE PACKAGE w PRIME VIEWING | $120 pp
THAI NIGHT | PREMIUM BEVERAGE PACKAGE w LOUNGE VIEWING | $110 pp
THAI NIGHT | BUFFET ONLY PACKAGE w PRIME VIEWING | $70 pp cash bar available
THAI NIGHT | BUFFET ONLY PACKAGE w LOUNGE | $60 pp cash bar available
Our Thai Night menu will be available to view in the coming weeks.
For any further queries, please use our enquiry form (right) or give us a call.
Enjoy a sumptuous buffet, carvery and hot grill with a spectacular array of fresh seafood, salads and vegetable dishes.
Enjoy the full premium buffet, plus a selection of premium New Zealand wines, and international & domestic beers, featuring the Church Road Wine Range, Deutz Champagne, Corona, Stella Artois, Steinlager Pure and many more. Non-alcoholic beverages are also included.
Enjoy a sumptuous buffet, carvery and hot grill with a spectacular array of fresh seafood, salads and vegetable dishes. You will have access to a full cash bar so you can choose what you would like to drink throughout the night, with bar service to your table.
Please note that we can seat a maximum of 10 people per table, so for larger groups, please contact us to make suitable arranements. Your tickets will be delivered via email.
A fantastic night at the trots. Choose from a race night buffet or À la carte. Cold beer and a great selection of wines + TAB and a gaming room.
Be close to the action while enjoying a fantastic meal - order from the bistro, and enjoy a buffet of freshly made salads & sides.
If you are a beginner to the racing industry or simply want a recap of how betting works please follow our simple guide. Don't fret if it all doesn't make sense as we have friendly tote (The place you bet at) staff who will be able to help you on the day