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Diet Diva
Get advice on healthy eating, nutrition, and weight loss from expert dietitian Tara Gidus.See all posts »
Movie Madness?
Over the weekend, Jack and I did something we haven't had a chance to do in a while. We went to the movies (Pan's Labyrinth, which was absolutely amazing!). And yes, we did get popcorn! It's hard to find reliable nutrition info about movie theatre popcorn, but a recent estimate I saw for unbuttered listed 55 calories per cup (size of a tennis ball), from about 4 grams of fat, 3 grams of carbohydrate, and 1 gram of protein.
In my opinion, unbuttered popcorn is the healthiest snack you can buy at the theatre. Popcorn is a whole grain, provides about a gram of fiber per cup, and if it's popped using liquid oil, it should be low in saturated fat and free of trans fat. The trick is not eating a whole bucket! We paired ours with bottled water (thankfully that was an option). But as we walked away from the concession stand, I couldn't help but wonder two things:
1) Will we see healthier options in the near future?
2) Do movie-goers really want healthier options?
When I was a kid, you could pretty much get popcorn, candy, and soda at a theatre, oh and maybe a hot dog. Lately I've seen nachos, pizza, ice cream, cookies, brownies and biscotti, and beverages ranging from icees to coffee drinks, beer, wine, and even hard liquor.
Will we ever see healthy finger foods and snacks in theatres across the country such as fresh fruit salad, fresh veggies with healthy dips, summer rolls, and baked sweet potato sticks? What do you think? And would you buy them? I'd love to hear your thoughts!
Oh, and one last thing before I go - the return of fun facts:
-The first theatre in the U.S. specifically dedicated to showing movies was in New Orleans in 1896
-In 1907, you could see a flick for 5 cents!
-The first air-conditioned movie theatre opened in 1922
- The very first drive-in movie theatre opened in Camden, New Jersey in 1932
- The American Film Institute (AFI) ranked the following as the #1 all time movie quote, "Frankly, my dear, I don't give a damn," from Gone with the Wind, 1939
-AFI's #1 movie song: Over the Rainbow from The Wizard of Oz, 1939
-AFI's #1 movie villan: Dr. Hannibal Lecter from The Silence of the Lambs, 1991
-AFI's #1 movie hero: Atticus Finch from To Kill a Mockingbird, 1962
-AFI's #1 movie stars: Humphrey Bogart and Katharine Hepburn
-AFI's #1 film: Citizen Kane, 1941 ("Rosebud….")
photo courtesy of Geek Philosopher
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Which of the following can cause double strand breaks in the DNA?
Ionising radiation
DNA replication errors
What are Chromosome Fragile Sites?
Sites where double strand breaks are likely to occur
Sites that can be easily split accidentally by protein machinery
Sites that are likely to warp during heat shock
Chromosome fragile sites are thought to be caused by difficulties during meiosis
What does NHEJ stand for?
Non-homologous end joining
Non-homologous editing joints
Non-heterodimeric end joints
What are the requirements for NHEJ?
Double strand breaks
Single strand breaks
T-T lesions
DNA ligase 4
DNA ligase 2
The repair process of NHEJ will join any 2 free ends together, regardless of homology
An error in NHEJ can lead to translocation between which chromosomes, forming what type of chromosome fusion?
Philadelphia chromosome
Inverted chromosome
8 &12
9 & 22
13 & 21
The repair process of Homologous Recombination relies on what?
That the damaged sequence in the sister chromatid is intact
That the damaged sequence in the homologous chromosome is intact
That the damaged sequence in the other allele is intact
What is required for an error in Homologous Recombination?
A faulty alignment of the two chromosomes
A faulty alignment of the two chromatids
Due to inversions
Due to translocations
Due to repeats
What type of repair is the image showing?
Homologous Recombination
A fault in Homologus Recombination can lead to alleles being lost

subset: commoncrawl


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Hotel Palia La Roca, Benalmadena
Main amenities
- 155 guestrooms
- Near the beach
- Restaurant and bar/lounge
- WiFi in the lobby
- Children's pool
- Self parking
- Terrace
- 24-hour front desk
- Air conditioning
- Garden
- Arcade/game room
- Car rentals on site
For families
- Free cribs/infant beds
- Children's pool
- Private bathroom
- Garden
- Terrace
- Blackout drapes/curtains
What's around
- In Benalmadena Costa
- Bil-Bil Castle (0.3 mi / 0.5 km)
- Malapesquera Beach (0.5 mi / 0.8 km)
- Selwo Marina (0.6 mi / 1 km)
- Paloma Park (0.6 mi / 1 km)
- Templo Hindu (0.7 mi / 1.1 km)
Hotel Palia La Roca, Benalmadena
Hotel Info: 866-539-8117from $157
- Single Room
- Double Room, Sea View
- Superior Double Room, Balcony, Ocean View
- Superior Triple Room, Balcony, Sea View
- Triple Room, Sea View
More great choices
At a glance
Key facts
Hotel size
- This hotel has 155 rooms
- This hotel is arranged over 6 floors
- Check-in time 2 PM-11:30 PM
- Check-out time is noon
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- No pets or service animals allowed
- WiFi and wired Internet access in public areas *
- WiFi in rooms *
- Self parking *
Other information
- All-inclusive rates available
Nearby Three Star Benalmadena hotels
In the hotel
- Restaurant
- Bar/lounge
- Children's pool
- Fitness classes on site
- Bicycle rentals nearby
- Golfing nearby
- Arcade/game room
- 24-hour front desk
- Tours/ticket assistance
- Multilingual staff
- Number of buildings/towers - 2
- Elevator/lift
- Safe-deposit box at front desk
- Garden
- Terrace
- Television in common areas
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Blackout drapes/curtains
- Private bathroom
- Bathtub or shower
- Satellite TV channels
- WiFi (surcharge)
- Phone
- Refrigerator (on request)
- In-room safe
Top Benalmadena hotels
Recently reviewed hotels in Benalmadena
- Apartamentos Nono Charming StayFrom
"Worth the money. Quiet surroundings but close to the action."Jul 16, 2017
- Hotel Zenit MalagaFrom
"I was very pleased with the hotel facility, accommodations, breakfast buffet, and the helpful staff at the reception desk whenever I had questions. "Jul 16, 2017
- La Villa MarbellaFrom
"Staff was fantastic, especially Ben. Thanks for a great stay."Jul 16, 2017
- Hotel Puente RealFrom
"We had a lot of fun, and lot of food with the "all-inclusive" package. But the apartment-type room was very dated and needed updating. Some of the actual rooms in the main…"Jul 15, 2017
Nearby hotels
Also popular with travelers from the USA
Special features
All inclusive
All-inclusive room rates at Hotel Palia La Roca are available. These rates are higher because they include onsite food and beverages in the room rate (some restrictions may apply).
Food and beverages
- Meals, snacks, and local beverages included
Kids' club
- Supervised activities for children between 4 and 12 years old
Not included
- Premium or imported alcoholic beverages
- Wireless Internet access
- Gratuities
DiningOnsite venue - This buffet restaurant specializes in international cuisine and serves breakfast, lunch, and dinner.
Onsite venue #2 - This bar serves light fare only.
Hotel Palia La Roca, Benalmadena's small print
Also known as
- Hotel Palia La Roca
- Palia Roca
- Palia La Roca Hotel-Club Benalmadena Costa Del Sol Spain
- Hotel Palia La Roca Benalmadena
- Palia La Roca
- Palia La Roca Benalmadena
- Palia La Roca Hotel-Club Benalmadena, Costa Del Sol, Spain
- Palia La Roca Hotel-Club Hotel Benalmadena
- Hotel Palia Roca Benalmadena
- Hotel Palia Roca
- Palia Roca Benalmadena
Cash transactions at this property cannot exceed EUR 2500, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Optional extras
Self parking costs EUR 12.50 per day
WiFi is available in guestrooms for EUR 6 per day (rates may vary)
WiFi is available in public areas for EUR 6 (rates may vary)
Wired Internet access is available in public areas for EUR 2 (rates may vary)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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Marlain Veal's one-handed dunk didn't count Saturday night as time expired on Helen Cox's 56-52 victory against East St. John in the championship game of the Newman Invitational tournament.
Still, Veal made his point.
Cox plans to be a basketball powerhouse this season, and it has the players and potential to accomplish that task.
It showed at Newman High School as Cox withstood a 25-point effort by Tre'Von Jasmine, finding a way to counter his mid-range jump shot and layups with its own offense. Jeremy Treaudo scored 15 points, including a putback with 53.4 seconds left that gave Cox a lead it did not relinquish.
Cox improved to 10-0 entering Monday night's game against Edna Karr.
"We're still working to get better on offense, but our defense is going to help us win games," said Treaudo, who became the first Cox player to earn MVP honors at the annual tournament since Greg Monroe did so in 2006-07. One night earlier, he pushed Cox past St. Augustine with a 19-point effort.
Effort plays, too. It's why coach Tyron Mouzon is hopeful about 2014.
"I was proud of them for hanging in the game as it went back and forth," he said. "I don't think there was more than one lead of five or six points."
Cox outscored East St. John 20-14 in the fourth quarter.
Roydell Brown scored 14 points for Cox, and Veal added seven. Veal, though, missed two free throws with 53.4 left as Cox tried to protect a one-point lead. Luckily, Treaudo reached the rebound before East St. John.
"That play really turned around the game for them," Jasmine said.
For East St. John (9-3), Troy Green added 10 points.
Raekwon McKnight scored all five of his points in the third quarter as the Wildcats went on a 15-9 lead. With 33 seconds left in the quarter, McKnight stole a pass and scored on a layup, giving East. St. John a 38-34 lead.
But Cox responded, changing momentum with Veal's open-court steal on Arlandrian Martin with 4:30 left.
"We entered this tournament wanting to keep competing at a high level, which I believe we did," East St. John coach Yussef Jasmine said.


text:
Mitt Romney has won the New Hampshire primary, just one week after inching a victory over Rick Santorum in Iowa. The former governor of Massachusetts has enjoyed a blistering start to the competition to become the Republican candidate for President of the United States in 2012.
His campaign team, Romney for President, has reported funds of more than $56 million raised so far in the primary including $24 million raised in the fourth quarter. The campaign says that it has over $19 million cash on hand and that Mitt Romney has not made a personal loan or contribution. Romney's platform for New Hampshire was a withering speech focused on the economic record of the Obama administration.
The full results of the New Hampshire primary are as follows:
- Mitt Romney 97,532 votes 39.3% – 5 delegates
- Ron Paul 56,848 votes 22.9% – 3 delegates
- Jon Huntsman 41,945 votes 16.9% – 2 delegates
- Newt Gingrich 23,411 votes 9.4%
- Rick Santorum 23,362 votes 9.4%
- Others 2,676 votes 1.1%
- Rick Perry 1,713 votes 0.7%
- Buddy Roemer 945 votes 0.4%


text:
Dublin teen in court after vicious mugging of US tourists
AN 82-YEAR-OLD American woman and her family were viciously set on by a group of youths when they stopped to take photos at a Dublin park, a court has heard.
One of the tourists, Ryan Dillon (28), ended up in hospital with wounds to his face and a broken shoulder after he, his girlfriend and her elderly grandmother went sightseeing in Swords.
A 17-year-old boy, who is in care, appeared at the Dublin Children's Court charged with violent disorder with at least two other named males and other unknown people, and robbery in connection with the incident at Swords Town Park on the evening of May 2, 2015.
At 8.45pm Boston tourists Elaine Berube (82), her granddaughter Nicole Berube (26) and the young woman's boyfriend Ryan Dillon went into the park to take photos.
The tourists had arrived in Ireland earlier that day.
In an outline of the allegations, Garda Keith Delaney said it was alleged that the teenage defendant had been in a group who had been drinking in the park.
Some of the gang started to stand in with the tourists for the photos and it was believed that this was to distract them, Gda Delaney said. One of the gang snatched a camera bag from them and ran but was chased by Mr Dillon, it was alleged.
"The group turned on him and proceeded to attack him and his girlfriend who tried to come to his assistance. A knife was produced by one of the group in the attack," said Gda Delaney.
The court heard Mr Dillon suffered facial injuries as well as a broken shoulder and he required hospital treatment. Defence solicitor Gareth Noble put it to the garda that it was not suggested his client had caused the injuries; Gda Delaney said the teenager was part of the group that attacked the man. The judge said that the garda was alleging there was "common design".
It is alleged that during the robbery €250, a camera bag worth €50, a lady's purse and contents, a Samsung mobile phone and a Go-Pro camera were all stolen from Mr Dillon.
The evidence was given after a preliminary hearing commenced to determine if the case should be dealt with in the juvenile court or instead go forward to the circuit court, which can impose lengthier sentences. Judge O'Connor noted the Director of Public Prosecutions has recommended that the teen should be tried in the higher court.
Judge John O'Connor deferred ruling on the issue saying he wanted CCTV footage that gardai had obtained to be shown in court. The case resumes in March. The teenager, who was accompanied to court by his social worker and care staff, was remanded on continuing bail.


text:
Toll Free: (888) 223-2545
Customer ServicePress 3
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Hours:9:00 am - 8:30 pmM-F Eastern Time
Recalling 16th-century English style, the Pembridge pull adds an elegant look to cabinets and furniture alike. Finely cast in pewter, its Renaissance-era leafy motif and decorative strapping are displayed in precision detail. Choose from three luxurious finishes, from antique pewter, to dark brass, to a rich, satin 24k gold. Handcrafted in the USA.Dimensions: 3 1/8" H x 3/4" W. Base: 9/16" D. Projection: 1 3/8". Rear mounted with 1" machine screw.
All Site Contents ©2015, House of Antique Hardware, Inc. Antique-By-Hand® is a registered trademark of House of Antique Hardware, Inc.


text:
We teamed up with SiteGround
To bring you up to 65% off web hosting, plus free access to the entire SitePoint Premium library (worth $99). Get SiteGround + SitePoint Premium Now
Google claims an amazing 10 million pages for the search term how much is my web site worth. If this is the question you're asking, you're not alone! This article will let you in on some valuation secrets to help you judge with accuracy the value of your web business, be it a blog or site.
We discuss the accountancy behind the figures, the math behind the valuations, what adds value to a site, how financial statements are reconstructed for sale valuations, and finally, the main business models and how they are valued by buyers. We'll demystify the buying-and-selling terms beloved of accountants, but if you find yourself confused by any of the business usages encountered along the way, feel free to check out this glossary.
Maybe you've recently bought a site, or you're an entrepreneur made good under your own steam – and now you want out. How much will you get for selling your web business?
There's no single correct answer, as we'll see. Valuing a site is a tricky business. Site prices aren't set in stone; they vary based on buyer, market sentiment, how the sale is presented, and more. There's no universal formula and there are no comprehensive and accepted standards for valuing sites – but we can make an educated guess.
And it is vital to make that educated guess. It'll come as no surprise that there is a time-and-money cost to the wholesale process. This ranges from the time spent collating data for interested buyers to listing fees at auction sites. Without at least a rough idea of what is likely to be achieved at auction, you're not in a position to know whether it's worth going down that road. You may also need a "ball-park figure" for these reasons:
NOTE: Formal Valuations
There are also formal reasons where a valuation may be required:
These valuations are conducted by accountants, but, of course, may not reflect the price achievable at auction.
People obtain this ball-park figure in a number of ways. Some go to professional valuers, some use self-proclaimed "experts," some rely upon their local accountant, and some use a multiple they've seen mentioned somewhere. We'll have a close look at the valuation options now. However, before we go any further, it's worth emphasizing that for the purposes of selling a site, the appraisals that you should be most concerned with are those of your target buyers. Period.
First, let's clear one thing up: there are a lot of myths about valuation out there. This situation is perpetuated by the proliferation of valuation tools on the Internet. Some of these tools are automated systems where you provide details and you are given a price on the spot, while others charge for a "professional" 32-page valuation by an expert. It's worth taking one or two for a test drive, if only to see that you'll gain nothing from the valuations.
If you try a few of these appraisal sites, you'll likely find that each one puts a completely different value on your business. For example, see this valuation tool's strange result: that
http://www.google.com is worth $819 million dollars more than
http://google.com. Now, would you trust that tool's evaluation of your site?
Some estimates may vary by a factor of 10,000% or more. Why such a disparity? Because, despite the hype, many of them operate in a way that isn't much different to operating with tarot cards or astrology charts. But they'll take your money, thank you very much.
Ah! you argue. But some of them charge nothing at all. Like the ubiquitous Dane Carlson's blog valuation tool. If it's altruistic, it's got to be accurate, right?
Well … dig a little deeper. The tool consistently offers simply astronomical valuations – so guess what? Webmasters and bloggers who love boasting about value give this tool a link back. At last count, that tool had a quarter of a million such linkbacks! The valuation tool's game isn't all about money earned via charging fees. If they don't charge you, it's probably all about linkbait.
One of the best-known free valuation sites is dnScoop. dnScoop asks for no more information than your domain name. Yes, even your site's earnings seem to be irrelevant to its calculation of worth. These charts show some sample dnSoop valuations for sites against the prices those same sites achieved at auction.
There are also plenty of individual self-appointed experts around who are happy to give their opinions on value. They spend their days commenting in forum threads, contacting sellers to offer their services, and generally claiming to be gurus in the fine art of valuation. Yet, strangely, they won't put their own money where their mouths are.
At the end of the day, for the site seller, the only valuations that matter are those done by people who have both the desire and liquid funds to buy the site.
The maximum price that the seller's most optimistic potential buyer has in mind is the price you, as the seller, want to target. You may never know that exact figure … but that's your target, nonetheless.
And it's with this target in mind that, with a little help from some friends, I developed EBizValuations, a tool that we believe to be insanely useful.
I know, I know. Another free site valuation tool, right? Wrong.
This tool values your site based on what hundreds of similar sites have actually sold for. As it's a tool that is grounded in reality, it can offer an reliable estimation of your web business's value. It can help a sellers decide whether to list their site for sale or not, and it can help buyers in their evaluation of a prospect.
The tool delivers more than just a final number – it uses input from brokers, professional business valuers, buyers, sellers, accountants and other experts to generate an extensive report. It can therefore be used to gain a deep understanding of the listed site and provide considerable due diligence information and guidance on where value may lie outside of the quoted figures. The resulting report explains the caveats, the level of confidence in each price prediction (some sites are easier to value than others) and some background to the valuation.
"There seems to be some perverse human characteristic that likes to make easy things difficult." – Warren Buffett
And perhaps no group of people likes to make things more difficult than accountants. It's a commonly held opinion that they introduce a lot of complex-sounding terms to make themselves look clever and enhance their perceived value!
Here, we'll walk through the terms you might meet in your site-valuation endeavors to demystify them and explain how they work. And if you're keen to do any calculations for yourself, we've reduced it all to some very simple spreadsheets you can download. Whether you want a Discounted Cash Flow, Net Present Value, or a Balance Sheet, don't miss these killer tools – all of which are free!
NOTE: Businesses and Web Businesses
The oddity is that a lot of the web sites coming up for auction are not businesses. They are advertised as sites that can be made into businesses; this means that they don't already make a profit, but have the potential to make a profit. These sites are 90% less likely to achieve a sale than proven businesses and their valuation is even more subject to the vagaries of the buyers' mood on the day. Going by the number of these that come up for sale, it appears that there's no shortage of overly optimistic sellers.
Then there are vanity domains, the social make-more-friends widgets, tools, Squidoo lenses, and other assets not based on traditional web sites and not generating profit. The less easy it is to see future profits, the more a property's valuation is at the whim of the buyer. As such, it's difficult to provide rules to quantify their value.
Anyway, that's enough of them. For the purposes of this article, we'll deal solely with those sites that are being sold as businesses, not those that merely "have a lot of promise." That said, here's a useful link to a page devoted to converting your non-profit-making web site to a web business that buyers drool over.
Present Value of Future Earnings
Let's roll our sleeves up and dive into valuation methods. It's all well worth knowing – knowledge is power, after all – but if it really isn't your cup of tea, just download the spreadsheets here and they'll work the magic for you.
First, let's have a look at some reliable business valuation facts:
The reason average buyers invest money on a business is because they expect to reap some profit from it. They use some level of guesswork or skill to estimate future profit, and the amount of expected profit determines how much they are willing to pay now.
Let's anticipate how these buyers might do this by unpacking this accounting problem. Here are two hypothetical businesses that are both selling for $10,000, and both will have the same residual value after four years.
If you encountered this scenario in the real world, you should immediately ask yourself why the two sites are being sold at the same price. Clearly FML's new owner has the use of $5,000 (the first year's profit) for three years, which is a perk that SML's new owner won't have. So either FML is priced too low, or SML is priced too high.
This exercise demonstrates that it's not just the amount of expected profit, but its location in the future timeline that determines current value. The more heavily weighted towards the current point in time, the more valuable those future cash flows will be to the business buyers and the more they'll be willing to pay to own them.
The calculation does become more complex, though. Consider FML's and SML's projected profits in a different situation:
|Year 1
|Year 2
|Year 3
|Year 4
|Year 5
It's not so easy to immediately spot the better buy now, is it? That's where a handy accounting trick comes into play; it's called Present Value (PV).
Because there's a time value to money, future cash flows can be discounted to a current value. To get $1,000 next year you may need an investment of $910 today. But to get back $1,000 a whole two years from now, it may take an investment of only $800 today. That $910 and $800 are PVs for the future return of $1,000 (in 12 and 24 months respectively).
In other words, for a given rate of interest it is possible to work out how much would be required today to generate $1,672 in the next 12 months. Since that's the figure FML is going to generate in the first year, we have effectively reduced FML's first year's profit to a PV.
By applying that same PV calculation, it is possible to establish a sum required now in order to generate $3,845 in 24 months, or $6,427 in 36 months, and so on.
We can therefore calculate a PV to all FML's expected future profit. Adding them up then gives us a total of today's value for all those future profits. That's what we expect to flow in.
What is flowing out, don't forget, is the initial investment of $10K. Subtracting the initial investment from the Present Value gives us Net Present Value (NPV). It's a figure we can compare against similar computations applied to SML's projected profits. Consequently, the business with the higher NPV is the better buy.
Calculating Net Present Value
NPV can be derived using the following formula:
NPV = CF0 + CF1/(1+r) + CF2/(1+r)2 + CF3/(1+r)3
(where CF1, CF2 are the cash flows in year 1, year 2 and so on; R is the discount rate (the "interest rate")
That said, the FML–SML example provides a comparative situation that is very rarely the case in real life. Even so, the usefulness of the tool isn't in any way compromised by the fact that the buyer is usually judging a business on its individual merits. Once the buyer has arrived at projected profit figures he or she is comfortable with, it's a reasonably simple continuation to plug those figures into the formula to arrive at an NPV for that business's future profits. The NPV goes up if a quantity of earnings is brought forward in time, and it goes down if earnings are postponed. Remember that all these earnings figures are projections, and reside in the buyer's mind.
The other key input in NPV arithmetic is the interest rate. The higher the interest rate the buyer wants to apply, the lower the NPV and vice versa. That's because the profits are being discounted by the interest rate; the higher the rate of discount, the lower the value arrived at.
NOTE: More on NPV
There's a bit more to NPV than discussed here. For example, interest rates don't always stay the same across several years; it's not accounting profits that are used in the calculation but the cash flows; there's a terminal value of the investment to be plugged in … but for the really keen, here are a few links:
Discounted Cash Flow
In the calculation of NPV, the core inputs were the cash flows and the discount rate. The cash flows are a projection, but where does the Discounted Cash Flow (DCF) come from?
This discount rate is provided by the buyer and reflects the risk perceived in the investment. When buying a rock-solid, well-established, blue-chip company, a buyer may be willing to use a rate of 12% per annum, whereas 80% per annum might be required for an internet business perceived as particularly risky.
There is no right or wrong discount rate. Each buyer uses his or her own rate, and for a given web site, different buyers may use different rates to arrive at completely different figures for what that site is worth to them.
Internal Rate of Return
We've seen the outline of how Discounted Cash Flow (DCF) works to give us NPV. There is one other way of discounting future cash flows; it's called the Internal Rate of Return (IRR). The IRR is the rate of return/interest rate at which the NPV equals zero.
The IRR is not the favored method of calculating value for several reasons – use an MIRR if you really have to. For one, it doesn't suit some projects – think of government projects, where there is just cash outflow and no inflow. But we'll cover it for reasons of thoroughness.
Remember the discount rate applied to the NPV calculations from earlier? It's a pre-decided rate that is applied to the calculation. When that rate is plugged into the NPV formula, we end up with either a negative or positive NPV. Under IRR, this rate is left to adjust to whatever level it needs to reach to ensure that the NPV equals $0. The level it reaches is the Internal Rate of Return.
Of two competing investments, the one with the higher IRR is the better investment.
Fair Market Value
Web properties valued formally for accounting or legal purposes are usually valued at what's called Fair Market Value (FMV). FMV is the price at which the property would sell at a hypothetical transaction between a buyer and seller who are aware of the facts and are both acting voluntarily.
Accountants can't just put any value to a business's assets. They are governed by a lot of rules on how they can value assets for purposes of use in the balance sheet, statements to a stock exchange, and so on. When you see a web site listed in a balance sheet, the figure quoted is likely to be the FMV as governed by international accounting rules that go into these matters in great and boring detail.
But while FMV is great for all these Balance Sheet reasons, it's not what you'd really expect a site to achieve at a real sale. FMV does not take into account that:
Therefore, a valuation shown in a company's books may bear no resemblance to the real value of a site. The Fair Market Value is not a fair market value.
Do the complex calculations, spreadsheets, specialist accounting programs, and a PhD in Merger & Acquisition accounting underpin every valuation? Hardly. Many buyers wouldn't be able to tell a Discounted Cash Flow from a Dyspeptic Chicken Fajita. However, a formal understanding of the principles is not a prerequisite for the experienced buyer. This buyer may reach competitive value conclusions based on no more than gut feeling, but that's instinct backed by an intuitive understanding of what the competition is likely to pay. In value terms, it adds up to the same difference.
If your eyes glaze over at all these computations, take this one thought away: in most cases, the expectation of future profit – and the quantity and timing of that profit – is the sole driver of valuation.
Bear in mind that this whole article is intended to offer the buyer's perspective. Knowing what factors influence a given buyer's perception of value puts the seller in a stronger position to control the sale and improve the selling price.
So what are assets that buyers like? Here's a list that contains some obvious examples, as well as some more obscure ones. Sadly, there's a twist in the tale for sellers … but, first, let's look at the motivators that help push a site's valuation up:
There are many more – from stickiness to SEO – but lest we forget, what's probably the most important is how the seller presents the sale. A professional sales pitch is vital – a good description of the business and what it does, where the money comes from and the breakdown of earnings, traffic and referrer stats, reasons for sale, and all the other core information (there are more tips here). Otherwise, buyers may not even bother to stop and consider the business for sale.
The Bad News
Consider a large content site with thousands of pages of unique and high-quality content. It's long established and has lots of "natural" inward links because it's a genuinely good resource. The site's sole revenue stream is Adsense and it makes $5,000 a month. Now, if current market sentiment is paying in the range of 24 months' net earnings for similar sites, this site is likely to fetch:
Earnings x Multiple = Price
24 x $5,000 = $120,000
Yet the seller is aware that this huge amount of quality content doesn't come cheap. If the buyer were to commission similar content, it would cost over $100,000.
There is also the strength of the tens of thousands of inward links, the high page rank, the large number of unique visitors, and the single-word memorable domain name that also attracts its own type-in traffic! How is all of this valued in any appraisal?
Here is the bad news for sellers: it isn't. Those assets contribute no more than what's already been added up.
The assets form the infrastructure of the business. Without them, there would be no earnings. Without the quality content, there wouldn't be so many inward links, there would be no PR, and there would be no large traffic from search engines. Without the type-in domain name, further traffic would be lost. With all that traffic gone, there would be nobody to click the Adsense ads and there would be no earnings. The value of all those assets was reflected in the earnings. It's already been counted.
What then of age of domain, length and consistency of earnings, and other assets that arguably don't contribute directly to traffic and earnings? The value for these assets is reflected in the multiple. Again, it's already been counted.
The longer the history, the more secure the investment is seen to be, and the higher the multiple it subsequently commands.
Since the Price is a product of the Earnings and Multiple, and all assets underpin either Earnings or Multiple, there is no further value to the assets.
So, contrary to sellers' claims, the assets responsible for earnings don't add any further value to the business than what's been counted. More site-selling myths are debunked here.
It is in the nature of the seller to overprice their own site. Their next argument may well be that the earnings don't reflect the full value of the assets. And that's entirely possible. However, it's a claim that any seller can make, that most sellers do make, and it's rare for a buyer to accept the seller's prejudiced opinion. It is in the buyer's interest to suspect that any further earnings to be extracted out of the business can come only at a huge cost in time or money that would make it uneconomical to pursue.
Where the seller believes there's substantial additional profit to be generated easily from the existing assets, it would be less of a task to actually ramp up earnings and demonstrate the figures than to convince skeptical buyers to believe a figure plucked out of thin air.
So what are some ways the seller can add value?
Balance Sheets (BS), Profit and Loss Statements (P&L, also sometimes called Income Statements), Cash Flow Statements, and so on, are some of the statements that help run a business and comply with the law. You can create your own balance sheet or P&L account using these easy spreadsheets.
We'll discuss here what these financial statements are, where they are useful, and why the standard statements need to be reconstructed for the purposes of valuing a business.
NOTE: Beware the Terminology Trap
Remember that terminology can differ between countries, between cultures and between professions. For example, in North America the term "revenue" is often used interchangeably with "turnover", whereas in the UK it means "profit".
Why redo the financial statements? Earlier, we've covered why the Fair Market Value (FMV) of a site differs from its fair market value. To recap, FMV calculated by accountants is done to meet legal formalities and it rarely reflects real fair market value of the type a buyer would pay. Usually – but not always – the FMV is less than the realizable price, as accountants are incentivized to value conservatively.
Other statements that a business prepares, notably the BS and P&L, are prepared to minimize its tax bills while complying with strict legal curbs on how these statements should be prepared. The P&L is meant to show a fair summary of the business's trading over the year, and the BS is meant to be an accurate reflection of the state of the business's finances on a specific day.
These statements impact considerably on a business. The figures that appear in them end up contributing to credit score and determining the interest rate the business pays on its overdraft. These statements are submitted to the tax authorities and are core documents in the calculation of tax liability. Governments also use these final accounts to compile national statistics that affect the formation of further policies and taxes. And the other business influences they exert are too numerous to mention.
Businesses are motivated, therefore, to tailor these statements to their convenience. They may look for ways to show higher expenses (therefore lower taxable profits) or to boost the values of fixed assets on the BS (thus improving their credit scores). They've got to keep any such doctoring within strict rules governing these matters, but a good accountant can save a business millions in tax just by controlling how this information is presented.
Not all financial statements come from a business's annual accounts. Sometimes they've been put together for other reasons, such as:
Whatever the original purpose behind the statements, the business buyer has to see through those adjustments made purely for tax or other purposes and come to his or her own conclusions as to what the state of the business is (BS) and how it fared over the year (P&L). To do that, it's necessary to reconstruct those financial statements upon which to base a decision.
Governments may also offer various tax breaks, such as tax incentives for investment in IT, deferred tax for infrastructure costs, or reduced tax for research and development expenditure.
Let's take as an example a company with $20,000 in sales, and the following Profit and Loss statement:
|Cost of Sales
|Gross Profit
|Employee's Salary
|Net Profit
Let's say the business is based in a country with a 20% corporation tax rate. Based on the information so far, its tax liability is, of course, $2,000.
The business's accountant points out that it can save some tax if its IT equipment is depreciated by the full allowed 25% (the current value of the equipment is $8,000). She also points out that the government is giving small businesses a tax break if based in an area of high unemployment, so this company is eligible for a flat allowance of $4,000. The company also invested in some research and development over the year, and is eligible to reduce taxable profits by a further amount of $4,000.
|25% of $8,000
|Area Allowance
|R&D Allowance
|Total allowed deductions
That takes the company's taxable income to $0 – and makes the owner of the company very happy.
During the course of the subsequent year, however, he decides to sell. The prospective buyers' first impressions are of a company that makes no profit at all. But, on delving into the figures, they realize that they need to add back those deductions that were made for tax reasons, and they need to add back some of those original expenses to arrive at the true profit the business made last year.
But it's not always that the reconstructed figure shows a higher profit. The prospective buyer may apply his or her own valuations to the assets and apply a larger depreciation for depleted assets that need to be replaced, or deduct a notional salary for the owner's time that wasn't accounted for earlier … and so on.
In conclusion, for low-value businesses, it's hardly worth anybody's time to redo the statements; however, no large business is sold without this recalculation done by the buyers' due diligence team. No smart buyer would completely trust the seller's accountant's figures. And if there is a bank loan involved in the purchase, such reconstruction would be a prerequisite, a sine qua non.
Most web sites sold in the popular site-selling forums fall below the level where it's economic to appoint expensive advisors to reconstruct financial statements. In fact, many of these sites for sale don't have formal financial statements.
Where there is a statement of sorts, it tends to be more along the lines of a proft and loss statement, which demonstrates cash inflows (earnings) and outflows (expenses) over the course of the year. There is hardly ever a formal Balance Sheet unless the business had been preparing formal accounts.
The Income Statement presented is usually of a less than professional standard and almost never matches national and international accountancy conventions. Buyers, nevertheless, either plug the figures into their own spreadsheets to do a quick-and-dirty reconstruction … or do the reconstruction mentally if it's a fairly simple business model without too many elements to consider. The most common deduction prospective buyers make from stated income is probably a nominal (notional) salary – an expense often overlooked by site sellers.
Now that we know all the complex theories behind valuations, we're going to return to the basics: the best indication of a price a site is likely to fetch can be gained from recent sales of similar sites.
So we've taken data from several sales in various marketplaces and compiled some charts to indicate the type of multiples they go for.
Content Sites:
Content sites range in subject from technology and games to health, antiques and weddings. The "content" ranges from text and articles to video and images.
The average multiple of just under two years' worth of income is, in reality, probably skewed by the fact that sellers often quote gross revenue as net profit. If we remove the top and bottom two sales in the above chart, we find an average of just 16.35 months of claimed earnings. This is lower than it was a year ago, in the middle of 2007, and may reflect the credit crunch and increased caution in the marketplace.
The subjects of blogs range from health and celebrities to relationships and technology.
The lower average for blogs (around 11.25 if we remove the two extremes) reflects that the earnings figures sellers quote are usually gross rather than net, and that buyers appreciate the extra work that blogs entail and discount the price to reflect that.
Blogs are selling for about two-thirds of what they would realize if they were "pure" content sites. That said, the volume of blog sales has risen appreciably since 2007.
Forums and Communities
Forums and community-based sites focus on topic areas as far apart as automobiles, pregnancy, and gaming.
The much higher multiples that forums go for is surprising, until you realize that forums are difficult to monetize, and many sellers have zero or very little proof of earnings.
Also, most forum buyers are site flippers or otherwise experienced at managing and monetizing communities, and are therefore willing to pay a higher multiple of the unoptimized earnings. Removing the extremes in the above chart give us a much more realistic average of 23.5.
Proxies tend to be seasonal and less used during school and college holidays. It's also typical of proxy sites to be heavy on use of bandwidth. The low quality of traffic to proxies, the fact that by its very nature its visitors are actively looking to leave the site, the difficulty in monetizing proxy traffic in general, and the large volumes of traffic from countries not favored by advertisers leaves proxies low down the list of multiples. At under 5 months' worth of earnings, the multiples are similar to what they were a year before.
Service Sites
Service sites provide free image sharing, site hosting, and freebie services.
The much lower average of 9.86, compared with content sites and blogs, reflects that buyers are aware of the higher overheads (such as bandwidth), often not deducted from the claimed earnings.
Incentivized Sites
Paid to Click (PTC), survey, and toolbar installation sites perform even more poorly than proxy sites. At just 3.5 x monthly income it's almost not worth selling for many sellers, as just shelving the site for a few months could see them earn more than an outright sale. And many owners do just that – running the site down rather than risk listing at auction and spooking the member base.
Product Selling Sites
These are strange beasts. Sites selling both physical and digital products keep appearing regularly in various marketplaces, but buyers seem reluctant to dive in. With shipping of physical products, there's obvious geographical issues when pitching sites to a global audience, but even though that limitation doesn't apply in drop shipping and e-product delivery, buyers seem wary about taking on a business involving dealing face to face with customers. Apart from the customer services adding to the overheads, there's an element of fraud (chargebacks), management, PPC or other required skills, and an appreciation of how easy these businesses are to duplicate, all of which affect buyer enthusiasm.
Prices range from 1.8 x monthly revenue (for an ebook product) to 200 x monthly revenue for a physical product that comes with its own trademark and other IP rights.
There are some web businesses not included in any of the above categories:
Notes on Calculations
Good luck with weighing up what your site is worth, and deciding upon its future! The considerations we've discovered should go a long way towards helping you decide whether to launch into selling your web business. If your assessment suggests that such a sale would be feasible and advantageous, the advice here will ensure that you gain the best possible price, and support you as you do so.
If you'd like to value your own site before selling it, or value a site you are looking to buy, don't forget to try this valuation tool, which values sites based on the logic in this article. The business documents are a highly useful tool to adopt in your business practices, too. Some more terms associated with buying and selling web sites can be found in this glossary.
There is a lot of valuation misinformation on the Web. Here are a couple of articles that I recommend reading:
Many thanks to Macro at SitePoint, who is probably the most active buyer at the world's most used site-for-sale forums (SitePoint interviewed him here). And to oddsod at Webmasterworld, who has advised hundreds of people on selling their sites (some threads he has provided public expert advice can be found here and here). Then there's Mark, whose advice is the official guide on one of the world's oldest site-for-sale forums. Thanks also to Merkersarl and Foggy at DigitalPoint, Edman, hooperman, 3Six, and others at SitePoint; Peter T. Davis, long-time moderator of SitePoint's Site-For-Sale forums and writer on site-flipping and domaining; Barry Dunlop at site brokerage firm MidasCode Ltd; sellmeurdomain and friends at Namepros; the three anonymous donors from DNF; Mike from iMarket Ventures, author of The Business End of Websites: Advertising Arbitrage and Website Valuation; and others too numerous to mention without whom this article wouldn't have been possible.
Disclaimer: The valuations in this article and produced by the EBizValuations tool are not meant to be legally binding valuations that comply with guidance from the International Valuation Standards Committee, National Association of Certified Valuation Analysts Standards, Government Accounting Standards Board, Financial Accounting Standards Board, International Accounting Standards Committee/Board, Revenue Rulings 59-60 & 68-609, or any other national or international standard or recommendation. Should you require a valuation for any formal purpose, please consult the appropriate professionals.


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Jon Talton on the way out at the Arizona Republic: Blame the Information Center?
Sadly, it seems the Arizona Republic's massive reorganization, which I wrote about back in January, into an online Information Center that also happens to put out a daily paper, has claimed a victim of sorts: columnist Jon Talton, one of the only reasons worth reading the Repugnant these days, if you don't count Richard Ruelas. Both Ruelas and Talton actually have something to say and are not just spinning fluff like some of the others on the Repugnant's payroll. I hate to use the Al Gore cliche, but Talton often writes about inconvenient truths, which is probably too much for the blander-than-bland Gannett McPaper. So he'll be gone in a couple of weeks. Here's what Talton had to say after I e-mailed him:
This was sent out to some friends, and is all I am prepared to say until I leave:
Dear Friends,
This is a note to tell you that I'll be leaving the Arizona Republic within the next two weeks. My column is being eliminated as part of the reorganization from a print and online newspaper to an Information Center. I chose not to accept other opportunities that the company offered. As a result, Susan and I will be leaving Phoenix soon to chase our next adventures.
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For six-and-a-half years I enjoyed one of the best jobs in journalism, and I give the Republic and Gannett credit for supporting me during that time in the face of heavy pressure to silence me or fire me. I got to live a dream: writing a column in my hometown, honestly assessing our situation and calling us to our opportunities. I had been brought up to believe that I owed a debt to my home state and hometown, the best of which exists because others felt the same way. I hope a bit of that balance has been paid down.
I was also privileged to meet many wonderful people, making new friendships and renewing old ones. I will always carry Arizona and Phoenix around in my heart. The David Mapstone series will continue, my publisher willing. And I will continue be an optimist about where Arizona can be.
Happy endings all around.
Jon Talton
I wonder how Ruelas is doing? Hope they don't make him walk the plank over there. In any case, Talton will be missed, as original voices in this Valley are rare, and they're even rarer in the pages of the Republic. It's really beginning to look like this Information Center b.s. will end up being worse even than the Monday "redesign" of the paper, which is the functional equivalent of putting tinsel on a turd. Well, at least on Mondays, apparently, because people are so "busy" and need less news. Huh? Don't worry, I don't get it either.
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Rage quit now.
In six months to a year, use the buddy pass to see if the game is playable, if not, rage quit forever.
Or, if you do not wish to rage quit. Use it for some extra leves/shards.
Dear Fanboys: QQ all you want, but crappy game is crappy.
Edited, Oct 12th 2010 7:10pm by xthunderblazex
Edited, Oct 12th 2010 5:04pm by Osarion Lock Thread: Sticky


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Swing Shift 2017 - Lexington/Berea KY - Contra Dance Weekend
Featuring Mean Lids and Barbara Groh calling
Fri, Jan 27 and Sat, Jan 28, 2017
There is no preregistration for Swing Shift. Housing is on your own.
Mean Lids includes Ben Smith, Matt Turino, and Miriam Larson.
Swing Shift 2017 flyer PDFFriday, Jan 27, 2017
Please reference this page as www.swingshift.ltda.ws .
This page is maintained by Cary Ravitz for the Lexington Traditional Dance Association .
Last modified 6:14 AM, 24 Dec 2016 - File size 5K - Count 30092


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rockdoc123 wrote:The current supply glut is also a demand dearth. a consequence of precipitous economic decline and destruction. Countries around the world can no longer afford $55 oil.
Why do you keep making this stuff up after you have been shown time and again the data that shows this not to be the case.
Quite the question that one.


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Where do I get my VOE form?
- Write "Home School" or the name of your home school on the top left corner of the form and your county on the top right corner of the form.
- Check the first box, indicating your student is enrolled in a home school.
- Type or print the student's name.
- Type or print one parent's name and phone number in Administrator/Designee section.
- Both the student and the parent must sign and date the form.


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A novel method for pulmonary emboli visualization from high-resolution CT images
Pichon, Eric
Novak, Carol L.
Kiraly, Atilla P.
Naidich, David P.
MetadataShow full item record
Pulmonary Embolism (PE) is one of the most common causes of unexpected death in the US. The recent introduction of 16-slice Computed Tomography (CT) machines allows the acquisition of very high-resolution datasets. This has made CT a more attractive means for diagnosing PE, especially for previously difficult to identify small subsegmental peripheral emboli. However, the large size of these datasets makes it desirable to have an automated method to help radiologists focus directly on potential candidates that might otherwise be overlooked. We propose a novel method to highlight potential PEs on a 3D representation of the pulmonary arterial tree. First lung vessels are segmented using mathematical morphology techniques. The density values inside the vessels are then used to color the outside of a Shaded Surface Display (SSD) of the vessel tree. As PEs are clots of significantly lower Hounsfield Unit (HU) values than surrounding contrast-enhanced blood, they appear as salient contrasted patches in this 3D rendering. During preliminary testing on 6 datasets 19 PEs out of 22 were detected (sensitivity 86%) with 2 false positives for every true positive (Positive Predictive Value 33%).


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Home > Art / Photo > Photographs > A View From Heaven
A View From HeavenReport abuse
I've always had a strange obsession with taking pictures out of plane windows. It lets me preserve the memory of flying, I guess. I feel kind of invincible looking out at the world below. I took this one on my way to Seattle. It's probably my favourite out of all of my plane pictures.
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Abu Dhabi, Nov 3: Pakistan have jumped to 3rd position in the ICC Test Team Rankings, their best rank in the format in 7 years, after completing a 2-0 clean sweep over Australia.
Pakistan defeated Australia by 356 runs for their first series win in 20 years, today. With this win in second Test, they leapfrogged England, Sri Lanka and India into third position after the feat earned it seven ratings points.
This is Pakistan's best Test rankings since they claimed third position in January 2007 following the series in South Africa, which the home side won 2-1.
In contrast, Australia have retained second position on the Test table, but, after conceding six ratings points, the gap with number-one ranked South Africa has opened to seven ratings points.
Australia had entered the series in second position on 123 ratings points, while Pakistan started in sixth position on 96 ratings points. As the rankings system is weighted to reflect this difference, the 2-0 series results means Pakistan has benefitted and Australia has suffered.
Pakistan will now take on New Zealand in a three-Test series, which starts on 9 November in Abu Dhabi, while Australia will lock horns with India in a four-Test series, which begins in Brisbane on 4 December.
As per a January 2012 decision of the ICC Board, which was aimed at promoting Test cricket, US$1.34 million will be distributed among the sides that claim the top four positions at the annual cut-off date of 1 April 2015.
With 2015 being the ICC Cricket World Cup 2015 year, an event that will be staged from 14 February to 29 March, the cut-off date for 2015 will be 7 January, when the final scheduled Tests finish in Sydney and Wellington.
As such, the side that tops the Test table as on 7 January will receive USD$500,000 as well as the iconic mace. The side that finishes second will collect USD$390,000, while the sides finishing third and fourth will get richer by USD$280,000 and USD$170,000, respectively.
ICC Test Team Rankings (as on 3 November, after the conclusion of Pakistan-Australia Test series)
(Read as Rank, Team, Points (+/-)
1 South Africa 124
2 Australia 117 (-6)
3 Pakistan 105 (+9)
4 England 104
5 Sri Lanka 101
6 India 96
7 New Zealand 93
8 West Indies 75
9 Zimbabwe 39
10 Bangladesh 19


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Returns can be requested within 14 days from when you receive your order. Return shipping is also free if you use our pre-printed label.


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Our Story
Trout Co is a Colombian Company that is supports its exporting potential with sustainable and carefully transformed products, products that are hand-managed by individuals from a rural background that are committed to giving, day to day, their greatest effort to put the colombian flavour in our fresh and healthy products.
Established since 2009
Trout Co. S.A.S was boom in 2009 by the effort of people with great experience in the field. We are and will continue to be a growing company withing the international market. Thanks to the constant feedback from our clients, we offer products that suit the need of each one of them. Each new business deal is a challenge and we take it as such, we are always reinventing processes to give innovative and flexible alternatives.
We count with certifications in manufacture good practices (BMP)
And work under the haccp method since 2011, this has allowed us to reach international markets such as Canada and Usa, and, has allowed us to broaden our reac in Clombia with a highgthed difference in quality. Given our strategic location near the international airport "El Dorado" in Bogotá, we are definately a great alternative for the consumer.
We have the best brands
Each gram of product use sell is backed by the best providers and reliable good social and environmental practices. We have the support of the best material brands in the country, these have made us a coherent offer with the requirements that our consumers are prefering.


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- Home
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- Dunlap Fellowship
When completed in 2017, the instrument will map the 21-cm signature of neutral hydrogen within the largest volume of space ever surveyed, encompassing a three-dimensional swath of the Universe that covers half the sky and is billions of light-years deep.
The nearest edge of this vast volume of space will be billions of light-years closer to Earth than the farthest edge. That means CHIME will add yet another dimension—time—to produce a "four-dimensional map" of the expansion and evolution of the Universe over some four billion years of its early history.
This epoch is particularly interesting because it was a time when dark energy began to play an important role in the evolution of the Universe. Dark energy is the enigmatic force behind one of the biggest paradigm shifts in cosmology: that the expansion of the Universe is speeding up, rather than slowing down.
With additional back-end instruments CHIME/Pulsar and CHIME/FRB, the experiment will also be an excellent detector of radio pulsars and the newly recognized phenomenon of Fast Radio Bursts (FRBs).
Construction of the four, 20×100-metre half-cylinders that comprise the structure of CHIME proper was completed in 2015. Arranged side-by-side, the array equals the area of six NHL-size hockey rinks. Construction of the super-computer "back-end" of CHIME continues.
CHIME is designed to gather radio signals along the meridian—the line in the sky running between due north and due south on the horizon, and the zenith. The array won't move, but as the Earth rotates and the sky moves overhead from east to west, CHIME will scan the entire northern sky.
The collaboration includes researchers from the University of Toronto, the Dominion Radio Astrophysical Observatory, the University of British Columbia, and the University of McGill. CHIME/FRB and CHIME/Pulsar include the National Radio Astronomy Observatory and the Perimeter Institute as collaborating institutions.
At the University of Toronto, members include researchers from the Canadian Institute for Theoretical Astrophysics, the Department of Astronomy & Astrophysics, and the Dunlap Institute; within the Dunlap, the collaboration includes Prof. Keith Vanderlinde, as well as postdocs and grad students in the Long Wavelength Laboratory.
For more:
Unveiling the Radio Cosmos; Nature, February 2017
'Half-pipe' Telescope Will Probe Dark Energy in Teen Universe; Nature News & Comment, July 2015
Canadian Scientists Try to Shed Light on Dark Energy; Globe & Mail, Jan. 2013
Image: Dr. Peter Klages; Dunlap Institute; CHIME


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Oxford Exchange is proud to feature the Buddy Brew Coffee bar, which serves hot and cold specialty coffee beverages. Buddy Brew Coffee uses only the freshest beans, globally sourced and locally roasted. We invite you to join us for meticulously crafted traditional espresso drinks, or to sip on one of our hand-crafted brewed coffees from the Slow Bar.
Enjoy any hand-made Buddy Brew Coffee beverage at the coffee bar, while dining in the restaurant, or while working in the Commerce Club. Our speedy service at the bar makes it easy to grab a coffee when you are on the go, and our featured coffees, including our Oxford Exchange Roast, are available for purchase by the bag to enjoy at home.
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Information on Gaming Licences
This document highlights the types of gaming licences
available in Alberta. This information is for general reference
only and is not intended to replace the Gaming and Liquor
Act or Regulation. (LIC/GAM 5478)
of Community Benefit
This form must be filled out, in full, in order to determine
the group's eligibility for a gaming licence. The application
will not be processed if all of the information is not completed
and/or supporting documents are not attached. (LIC/GAM 5514)
Venture Gaming Licences
Joint Venture Guidelines - Two or more groups can be licensed
to conduct one event as a joint venture. Each group must comply
with basic eligibility requirements as set out in the Charitable
Gaming Policy specific to the type of gaming licence applied
for. (LIC/GAM 5496)
Gaming Policies Handbook
This document contains information on the Charitable Gaming
Policies, including eligibility and use of gaming revenue/proceeds
GAIN Resource Manual
This resource manual provides an overview of essential information
about charitable gaming in Alberta. Executives and members
of charitable groups will find important information in this
comprehensive manual related to the responsibilities of gaming
licensing. AGLC policies take precedence over any information
in this manual. (Revised March 2016)
List of Elected Executive Form
It is imperative that the AGLC be kept informed of any changes
to the elected executive positions of an organization. Please
provide information for all bona fide executive members and
positions authorized to sign documents forwarded to the AGLC. (LIC/GAM 5471 (03/12))
AGLC Internet Account
An AGLC Internet Account is a privilege granted to eligible organizations which provides access to the AGLC's secure, web application services. Secure, online web-based services are currently available to registered Charitable Gaming Organizations and Alberta Registries.


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Project DescriptionCustom / 3,000 Square Feet or Less / Merit
With its nearly irreducible geometry and minimal palette of materials—a corrugated metal exterior with a poplar "liner"—Sliding House embodies a simplicity that, in the words of architect Brian MacKay-Lyons, Hon. FAIA, "approaches the idea of zero." The jury found both the formula and the result compelling. "It has an incredibly effective parti," said one panel member, who called MacKay-Lyons's approach "a study in reduction."
The main-level floor plan consists of a linear living-and-dining room bracketed by covered porches. A kitchen, fireplace recess, powder room, and twin stairways (up to a sleeping loft and down to a lower-level bedroom) fill the thickened north wall. At the south wall, a band of windows takes in a broad sweep of Atlantic horizon. A move the judges termed "that little tweak"—end walls that are square to the roof's slope rather than plumb—"makes the building dynamic, but still keeps it very simple and direct." —Bruce D. Snider


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I'm currently going through NG with a Cleric, focusing on Faith and Strength. I've been using the Large Club for the past week or so, and while I'm still just getting used to it, what other weapons would you folks recommend, for PvE as well as PvP? Specifically, is there another weapon that scales with strength which offers better DPS than the large club?
My PvE style has been to use lightning spear and great lightning spear to kill most enemies from a distance (with the dusk ring I get plenty of spells to throw), and to use my large club when they block my spells or otherwise force me to close in. Wrath of the gods as a last resort when surrounded or just farming items.
My PvP style thus far has been to start with great lightning spear, close in while they dodge the spell, block/dodge their attacks, and hit back with the large club's heavy swipe. WotG I keep on hand for gankers.
So far I've won 1/4 invasions, so your suggestions about equipment, miracles, or anything else would be appreciated. :)
Here is my current PvP build: https://mugenmonkey.com/darksouls/?c=400157893693870989
Thank you!


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About Ekya School
Ekya School is a co-educational, CBSE school in BTM Layout, Bangalore. At Ekya, the education experience is focused towards developing a sense of curiosity and inquisitiveness in a child. The word Ekya is derived from the Sanskrit sounds of unity and individuality. It embodies the spirit of collaboration and togetherness while allowing space for the individual to grow and express oneself.
Co-ed School
- Board of Education
- CBSE Board
- Type of School
- Co-ed
- Curriculum Details
Montessori System
- It is a multi-age group, based on the Montessori philosophy.
- Activity based learning is the essence of this methodology.
- This method helps in developing a sense of responsibility and independence in children.
Ekya Early Years: Kindergarten Method
- They have workspaces that encourage independent thinking.
- Their classroom boards reflect children's original work.
- They cover topics such as basic number concepts, geometric shapes, letters of the alphabets, colour identification, oral topics and clay activities.
- For further details on the Montessori System and Ekya Early Years curriculum click here.
Primary School
- Divided into Scholastic and Non-Scholastic areas.
- Scholastic areas include subjects like english, second and third languages, maths, science and social studies.
- To enhance their students intellectual skills they use flash cards, board games, experiments, fun activities, word games, puzzles, role-playing, group projects and field trips.
- Here they also develop collaboration skills through group activities.
- For further details on the Primary Curriculum click here.
- Admission Details
- Term starts from the month of June, 2017.
- Admissions are now open at the school. Registration forms for Montessori & Kindergarten are available online on their website as well as their administrative office at the school premise.
- Admissions are now open at the school. Registration forms for Grade 1 to 8 are available online on their website as well as their administrative office at the school premise.
- List of all the required documents are mentioned in the form. Parents are requested to duly fill the form and submit it to the school along with all the necessary document.
- Please note it is essential that parents arrive at the school on time for their interaction on the scheduled date.
- In order to visit the school please call or e-mail the school to set up an appointment.
- Classes & Cut-off Age
Class Age Group Montessori 2 years 6 months to 5 years Kindergarten 4 to 5 years Grade 1 5 years 10 months
- Facilities
- Kindergarten: sandpit and play area.
- Classrooms: Well ventilated classrooms with large windows, an in-class library and comfortable flexible seating.
- Labs: ICT labs with computers and internet, Science labs for physics, chemistry and biology, Math and social studies lab.
- Library: Two level digital school library
- Pre-primary activity area for puppet space, puzzles, kinetic sand and games.
- 600 seater amphitheatre
- Conference rooms for discussions
- Sports: Playground for pre-primary children
- Indoor sports: Table tennis, chess and carom
- Outdoor sports: Basketball court, throwball court, volleyball court, cricket pitches, climbing wall and swimming pool.
- School infirmary with first aid kit
- Gardening area
- Safety Features
- 24 hour CCTV monitoring facility is available.
- School Van
- Ekya School provides school transport. Kindly get in touch with the school for further details on the route.


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Masai Mara Vacation Packages
Masai Mara is located approximately 110 miles (177 kilometers) from Nairobi, the country's capital.
If you are ready to venture beyond Masai Mara, you'll find that the surrounding area has a number of attractions waiting to be explored.
Discover some of the pieces of the region's rich cultural tapestry at Kenya's fascinating craft workshops.
Follow your interests and book one of the wildlife safaris and wildlife spotting tours. There are plenty on offer in and around the Kenya area.
Get a taste of the different flavors in Kenya by sampling a few local dishes. Potato as well as maize are regularly used in dishes here. Typical specialties include ugali (cornmeal) and irio (mashed peas and potato mix), but there are many more mouthwatering meal options to sample. And when it is time for dessert, you can't say no to chilled banana cream. No matter what time of day, relax with a refreshing local Picana (mango juice).
The 12th of December is the date when many people in Kenya mark Independence Day, so be on the look out special events and festivities if you're fortunate enough to be visiting Kenya then.
When booking your holiday to Masai Mara, it's handy to remember that the nearest major airport, Jomo Kenyatta International Airport, is located in in Nairobi, 120 miles (193 kilometers) to the east.


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Dr. Zenzola was a physician in Newark, New Jersey who treated Craig for his injuries following his attack in the sewers by a mysterious creature. She explained to Fox Mulder that she was uncertain what had attacked Craig, but that she'd given the patient gum to chew to help with a bad taste in his mouth as well as a treatment of antibiotics for any bacteria he may have picked up while immersed in the sewer water fighting with the creature. She also showed Mulder the bizarre bite wound on the man's back.
- "The Host"


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When life deals you lemons, make lemonade
engine hieght and prop contribute to chine walking and can be the actual cause not so much hull design prop torque wants to turn boat to right you instincly correct pulling it left this creates a slight wobble motion wetted surfaces shifting left to right can get out of control real quick lower unit shape also factors in lowering engine center of gravity helps alot old time old school racer ART
This is an excellent thread. I just bought a z118 with a 150, so I likely won't experience chine walk, but I have a solid understanding now if I do experience it. I used to ride sport bikes so the lot of the physics going on there translates well for me. You don't want to break (back off) or accelerate in a skid because you can give up what grip you do have. You have a dollar to spend. You can spend 50 cents on cornering and 50 cents on acceleration, or any combination as long as you don't spend more than a dollar. When you spend more than a dollar you crash. You have to steer out of it and maintain your throttle. Excellent post!
So I saw this video and a few others prior to running my z8-250 hard. But I struggled to fix the chine walk for a couple months till--- I was quickly coming off plane in a narrow spot and didn't want to scare another boater, I twitched steering left and right out of boredom, what I noticed was the exhaust got louder left and quieter right, ( the turning prop vs direction of the correctional twitch) simply by twitching right vs left I could control the boat 85-90 times better. So try that as well when learning. Twitch rite
Link on first page is broken (Photobucket policy change victim). Can be found on Youtube, though, as of this post. Just search on "chine walk bass boat".


text: Styles, 18, and Swift, 23, flew to the British Virgin Islands on Tuesday, January 1st. But just three days later, Swift caught an early-morning flight off of the island on January 4th, after a blow-up fight with Harry. Swift looked glum and introspective as she caught a boat solo to the airport.Styles then took a trip over to Richard Branson's private resort on Necker Island, where he hung out in the hottub and mingled with female fans until the early morning hours. By Saturday, January 5, he was back in the U.K.Taylor posted on Twitter on January 5, "…'til you put me down." She'll likely find solace, however, in bestie Selena Gomez, who is dealing with a breakup of her own after her New Year's trip to Mexico with Justin Bieber went bad.


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It looks like it didn't take too long for Rafa Benitez to persuade Isaac Hayden that his future lay at Newcastle United under the tutelage of the famous former Valencia and Liverpool manager.
It turns out that Rafa was in London in mid-June and talked at length to Isaac about his game, about tactics and at the end of the two hour long meeting Isaac only wanted to join Rafa at Newcastle.
Isaac Hayden photographed at Benton
Benitez' persuasive powers with players is very well known and Rafa seems to just love talking to players about football, their skills, about tactics and areas they can improve in.
This is what Hayden told nufcTV today about the meeting with Rafa in London in mid-June:
"I met him in London in the middle of June and we had a good, two-hour long conversation." "He explained a few things to me, what to improve and what I'm good at."
"It was good to know he's obviously been watching my games and things like that. For me, as soon as that meeting was done, I knew that this was the only place for me to come."
"He is the only manager I want to play under and learn from."
"It was brilliant. He was talking to me about tactical things, things that he'd learnt in the past – everything."
"So for me to have that initially was massive, and as soon as I left that meeting I knew that this was the right place for me to come."
"To meet him like that was fantastic and to work under him now is going to be even better and I think that the main thing I got from that meeting is I'm 100% going to be a better player."
"I'm going to learn a lot from him while he's my manager so it was a no-brainer to come here." "It's not just Benitez who Hayden is looking forward to playing for, either."
"All of the stories I've heard about the fans have been fantastic," "They come out in their thousands which is what you want to see, and to get the opportunity to play in front of them and show them what I'm capable of and play with the passion that I know they like."
"I think we'll get on great."
You know we think Issac must have been fairly impressed with Rafa at that meeting – just a wild guess.
Certainly the former Arsenal player comes across really well in that interview and all he wants to do at Newcastle is to improve as a player.
Sounds good to us and he looks another excellent signing for Newcastle.
Howay The Lads!!
Comments welcome.


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A Harley Street consultant who treated Jade Goody has questioned the NHS for allegedly failing to spot her cancer earlier.
Max Clifford, her friend and publicist, said Dr Ann Coxon, a doctor introduced by him to Goody last year, had been "very angry" over an alleged failure to spot her illness earlier.
"Her doctor was very upset and very angry with the way the NHS looked after her and failed to diagnose the cancer that was growing for such a long time," he said.
Dr Coxon, speaking in an E4 documentary entitled Jade: As Seen On TV, said she had advised Mr Clifford to pull Goody out of Big Boss, the Indian equivalent of Big Brother, as soon as possible.
She said she had immediately taken Goody to London's Royal Marsden Hospital for appropriate tests on her return from India.
Dr Coxon explained: "Max Clifford rang me when Jade was in Big Brother in India because he had heard from her doctor that a cervical smear, that was done when she attended simply to get her immunisation, had shown a cancer and he wanted to know if he had to pull her out of Big Brother and I said yes.
"As soon as Jade came back from India, I saw her and took her through various tests and got her to the right people at the Marsden.
"When she had an abnormal smear after her miscarriage it would be normal for the hospital to send a routine letter advising her to get in touch to have another smear and she failed to respond."
She added: "For some reason her cervix was never examined and she never had a cervical smear in spite of the fact that it was known she had had problems previously."
In an interview in September, Goody, who died on Mother's Day earlier this year, said she had no plans to sue the NHS hospital she claimed was late in diagnosing her illness.
- More about:
- Jade Goody
- Max Clifford
- Reality Television


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Regardless of the time of year, there's always something fun happening in Calaveras County, from carriage rides through the Big Trees in winter, to free Concerts in the Parks in the summer, to Vintage Car Shows and Silent Movie Nights, Grape Stomp and Theatre Under the Stars. Here's a list of our annual events, but stay tuned… new events are cropping up all the time! Also, check out our current events calendar.
January | February | March | April | May | June | July | August | September | October | November | December
Annual Chili Cook-Off: copperopolistownsquare.com
Guided Hikes and Snowshoe Hikes at Calaveras Big Trees State Park: parks.ca.gov/ | http://bigtrees.org
Ovations Concert Series: calaverasarts.org/ovation.html
Buck Stop Gun Show: http://www.frogtown.org/#!event-calendar
Motherlode Bridal Fair: www.calaveras.org
Presidents' Wine Weekend: calaveraswines.org
Fireman's Ball Fundraiser & Dance: hotelleger.com/events.htm
Valley Springs Melodrama: valleyspringsaba.com/events
Dog Day Afternoon: copperopolistownsquare.com
Crab Feed: http://www.frogtown.org/#!event-calendar
Calaveras Follies: calaverasfollies.com
Ironstone Spring Obsession Art Show: ironstonevineyards.com
Calaveras Gem & Mineral Show: calaverasgemandmineral.org
St. Patrick's Day Party: hotelleger.com/events.htm
Murphys Irish Day: visitmurphys.com
Easter Brunch: hotelleger.com/events.htm | saddlecreek.com
Calaveras Air Faire: http://www.eaa484.org/
Elephant Grape Stomp: pawsweb.org
Mr. Frog's Wild Ride: mrfrogswildride.org
Taste of Calaveras: angelscampbusiness.com/events/tasteofcalaveras
Angels Camp Spring Fling Sidewalk Sale: angelscampbusiness.com
Twisted Folk Concert Series: twistedoak.com/events
Cinco de Mayo Dinner & Dance: lacontentagolf.com/event-center/event-calendar.html
Hot Copper Car Show: copperopolistownsquare.com/html/events.html
Writer's Retreat: http: hotelleger.com/events.htm
Calaveras County Fair & Jumping Frog Jubilee: frogtown.org
Kites over Calaveras: sanandreasmerchants.com/SAMNews&Events.htm
Mother's Day Brunch: campsrestaurant.com/tag/champagne-brunch | ironstonevineyards.com | murphyshotel.com/calendar.html | hotelleger.com/events.htm | lacontentagolf.com/event-center/event-calendar.html
Mother's Day Dinner at Sequoia Woods: sequoiawoods.com
Kids' Day in the Park, Valley Springs: valleyspringsaba.com/events
Arnold Spring Peddlers Fair: email: Kim Patillo email@example.com
First Fridays in the Park: facebook.com/MurphysPark | visitmurphys.com
Angels Camp Farmers Market (June-September): angelscampbusiness.com/events
Concerts in the Park at Cedar Center: cometoarnold.com
Father's Day BBQ Lunch, Poolside: http://hotelleger.com/
Ironstone Summer Concert Series: ironstonevineyards.com
Music in the Parks: calaverasarts.org/musicpark.html
Sierra Nevada Arts & Crafts Fair: Email Kim Patillo firstname.lastname@example.com
Arnold Independence Day Parade: www.cometoarnold.com
Independence Day Fireworks at Ironstone Vineyards: ironstonevineyards.com
Independence Day in Moke Hill: http://hotelleger.com/
New Hogan Lake Fireworks: spk.usace.army.mil
Arnold Car Show: http://cometoarnold.com/scheduler/
Bear Valley Music Festival: bearvalleymusicfestival.org
Live theatre productions: murphyscreektheatre.org
Mother Lode Volkswagen Show and Swap: https://www.facebook.com/MotherLodeVWClub
Independence Hall Flea Market: independencehallarnold.org
Summer Fest: copperopolistownsquare.com
Logging Jamboree: sierraloggingmuseum.org
Mountain Ranch Day in the Park: mranchcc.org
Labor Day Weekend Arts & Crafts Festival: email Kim Patillo at firstname.lastname@example.com
Concours d'Elegance: ironstonevineyards.com
Copperopolis Town Square Saturday Concert Series: copperopolistownsquare.com
Artists Studio Tour: calaverasarts.org/studiotour.html
Free Admission Day at Angels Camp Museum: http://www.angelscamp.gov/index.php/museum-top
Angels Camp Gold Run: www.facebook.com/Angels Camp Gold Run
San Andreas Founder's Day and Rumble Classic Car Festival
Lumberjack Day: http://www.lumberjackday.org/home.html
Calaveras Grape Stomp & Gold Rush Street Faire: calaverasgrapestomp.com
Mountain Heirloom Quilt Faire: ironstonevineyards.com
Silent Movie Nights: ironstonevineyards.com
Halloween Costume Party: http://www.hotelleger.com/
Mark Twain Wild West Fest: http://marktwainwildwestfest.com/
Garden and Craft Faire – http://www.calaverascountygardenclub.org/index.php?module=webpage&id=26
Oktoberfest: http://www.lacontentagolf.com/
Day of the Dead Celebration: visitmurphys.com/murphys-day-of-the-dead
Teddy Bear Tea: sicalaverascounty.org
Wine Barrel Open: greenhorncreek.com/winebarrel
Tree Lighting: copperopolistownsquare.com/html/EventSchedule.html
Old Fashioned Holiday: copperopolistownsquare.com
Angels of Christmas Open House, Wine Stroll and Christmas Parade of Lights: angelscampbusiness.com/events/holiday-parade/
Murphys Holiday Open House: visitmurphys.com
Winter Wonderland at Calaveras Big Trees State Park: bigtrees.org
Carolling in the Cave: caverntours.com
Christmas to Remember: sanandreasmerchants.com
Christmas Celebrations in Moke Hill: hotelleger.com/events.htm
Christmas Gala: angelscampbusiness.com/events
New Year's Party at Hotel Leger: hotelleger.com/events.htm
"The Nutcracker" Ballet – www.studio4dancetheater.com


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34 Cottonwood Road Jefferson, GA 30549
- Listing Status Active
- Neighborhood Clover Mill
- County Jackson
- Year Built 2001
- Sale Type Normal sale
Southern living home offers wrap around front porch, Step-less entry invites you into an open floor plan, Formal Dining Room, Two story great room with gorgeous stone fireplace (gas logs that can remain). Master Suite has private entrance to porch, luxurious master bath with separate tub and shower, spacious walk in closet. Additional bedroom with private bath on main level. Custom kitchen has beautiful granite counter tops, custom island, 1/2 bath off kitchen as well as laundry room. Fenced level backyard, this home is move in ready! A swim/tennis neighborhood.
- Listing Status Active
- Neighborhood Clover Mill
- County Jackson
- Year Built 2001
- Sale Type Normal sale
- Elementary Gum Springs / Jackson / Jackson County, GA
- Middle
- High Jackson County / Jackson / Jackson County, GA
Listing provided courtesy of BULLDOG BROKERS. Listing data displayed on this page comes from the Broker Reciprocity program of Georgia MLS. This information is considerd reliable but is not guaranteed.
Look Promising?
Want to schedule a showing? Have any questions? We're experts and ready to help!
Call us anytime at 404-965-4080
Listings identified with the FMLS IDX logo come from FMLS, are held by brokerage firms other than the owner of this website and the listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. ©2014 First Multiple Listing Service, Inc.
© 2014 North East Georgia MLS. the information provided is for the consumer's personal, noncommercial use and may not be used for any purpose other than to identify prospective properties that the consumer may be interested in purchasing. Some or all of the listings displayed may not belong to the firm whose web site is being visited.


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His time with Coach Richt really closed out a good visit to Athens for the play-maker out of Camilla (GA) Mitchell County. Not all recruits have as many questions at Scott-Wesley did during their visits, but he wanted to make sure he got all the answers he needed.
"I think I got on the nerves of a couple of guys because I was asking them questions all night. I was asking about Coach Richt, Coach Ball, Coach Bobo, how this was, how that was, and all that because I needed to know. I don't think they really expected me to have so many questions. Alec Ogletree, Marlon Brown, T.J. Stripling, Ken Malcome, and Zander Ogletree were all answering them for me and they kept it real. They gave me the answers I needed like Coach Richt and that made my visit."
The fun for Scott-Wesley was there too and he enjoyed the Gala, going out with his host Alec Ogletree and other Bulldogs, along with spending time inside Sanford Stadium, but he entered the visit with questions concerning his future and he now knows where he will be when he leaves Camilla.
"I had a very good visit to Georgia and I got everything I needed there. I hung out with the players, I spent a lot of time with the coaches, and I enjoyed it there," he said. "I know now that my mind is set on Georgia and that I will be a Bulldog. I enjoyed everything else during the visit, but getting my questions answered was the biggest thing for me. I got what I needed, saw what I needed, and I am excited about Georgia."
Scott-Wesley will likely still visit Maryland next weekend and that could be his last trip. He has is set for now, he said that could change, but as of Sunday afternoon, it seemed the visit to College Park would still take place.
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