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Stories published September 9, 2001
HEALING HANDS Claims about reiki This ancient healing technique is said to transfer energy from
Reception marks Lyonses' silver event
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text:
Stellus Capital Investment Corporation (NYSE:SCM) Q2 2014 Earnings Conference Call August 12, 2014 11:00 AM ET
Robert Ladd – Chairman, President and Chief Executive Officer
Todd Huskinson – Chief Financial Officer, Secretary and Treasurer
Robert Dodd – Raymond James & Associates, Inc.
Greg Mason – Keefe, Bruyette & Woods, Inc.
Good morning, ladies and gentlemen, and thank you for standing-by. At this time I would like to welcome everyone to Stellus Capital Investment Corporation's Conference Call to report Second Quarter 2014 Financial Results.
At this time, all participants have been placed on a listen-only mode. The call will be opened for a question-and-answer session following the speakers' remarks. The conference is being recorded today, Tuesday, August 12, 2014.
And it is now my pleasure to turn the call over to Mr. Robert Ladd, Chief Executive Officer of Stellus Capital Investment Corporation. Mr. Ladd, you may begin your conference.
Robert Ladd
Okay. Thank you, Joe. Good morning, everyone and thank you for joining the call. Welcome to our conference call covering the quarter ended June 30, 2014. Joining me this morning is Todd Huskinson, our Chief Financial Officer who will cover important information about forward-looking statements, as well as an overview of our financial information.
Todd Huskinson
Thank you, Rob. I'd like to remind everyone that today's call is being recorded. Please note that this call is the property of Stellus Capital Investment Corporation and any unauthorized broadcast of this call in any form is strictly prohibited. Audio replay of the call will be available by using the telephone numbers and pin provided in our press release announcing this call.
I'd also like to call your attention to the customary Safe Harbor disclosure in our press release regarding forward-looking information. Today's conference call may also include forward-looking statements and projections, and we ask that you refer to our most recent filing with the SEC for important factors that could cause actual results to differ materially from these projections.
We will not update our forward-looking statements unless required by law. To obtain copies of our latest SEC filings, please visit our website at www.stelluscapital.com under the Stellus Capital Investment Corporation link or call us at 713-292-5400.
At this time, I'd like to turn the call back over to our Chief Executive Officer, Rob Ladd.
Robert Ladd
Thank you, Todd. We're pleased to report a number of accomplishments during the quarter that improved the company's capital position. As we previously reported, on June 20, we received a license to operate an SBIC. Since that time, we've received a commitment from the SBA the amount of $32.5 million.
We issued $25 million of 6.5% unsecured bonds. The proceeds of which were used to reduce the outstanding amount under our credit facility, which allowed us to contribute loans in cash of the SBIC's regulatory capital.
We established an at-the-market equity capital program, under which we issued approximately $3.3 million of common equity during the [Technical Difficulty] exercise the accordian feature of our credit facility which increase the size of the facility from $135 million to $150 million.
Our pipeline is active. We're seeing a number of interesting opportunities. Nevertheless, our origination activity during the second quarter was modest. We made $11 million in investments in one new portfolio company and follow-on for four existing portfolio companies.
During the same period we received $25.9 million of repayments in sales of investments of which about $300,000 represents amortization on existing loans. This activity brought our portfolio down to $281 million as of June 30, from $297 million at March 31. At this point I like to share some information about our investment portfolio. As of June 30, we had 27 portfolio companies with total investment of approximately $281 million, the debt portfolio makes up almost all of the total.
The weighted average yield on the debt portfolio was approximately 10.9% at June 30, up from 10.7% as of March 30. From a risk rating perspective, our weighted average rating is slightly above two, which means performing as expected on a one to five scale. 24 or 90% of our investments are rated at two, two are rated at three, and one rated at four.
We have one non-accrual loan of – during the quarter, which represents approximately 3% of our loan portfolio at fair-value. And 23 of the 27 companies in the portfolio are backed by traditional private equity sponsor.
As previously stated we remain focused on meeting our goals which are one, generating sufficient income to cover our dividends, two, maintaining high asset quality, and three, selectively growing the portfolio in a diversified manner.
With that I'll turn it over to Todd to cover the financial results.
Todd Huskinson
Thanks, Rob. Our total investment income for the quarter was $8 million, most of which was interest income. Operating expenses totaled $4.3 million for the quarter and consistent with base management fees of $1.3 million and incentive fees of $900,000. Fees and expenses related to our borrowings of $1.4 million, including commitment and other loan fees. Administrative expenses of $300,000 and other expenses of $400,000.
Net investment income for the quarter was $3.7 million or $0.31 per share. Net increase in net assets from operations totaled $2.7 million or $0.22 per share. As of June 30, 2014 our portfolio included approximately 18% first lien debt, 36% second lien debt, 43% mezzanine debt and 3% equity investments at fair value.
Our debt portfolio consisted of 47% fixed rate loans and 53% floating rate investments. Our average portfolio company investment was approximately $10.4 million. And our largest portfolio company investment was approximately $22.3 million.
Additional information regarding the composition of our portfolio is included in the MD&A section of our 10-Q that was filed yesterday morning. With respect to liquidity at June 30, 2014, we had $91 million borrowed into our credit facility and $87 million borrowed into that facility as of August 1, 2014.
Our unsecured bonds had carrying value $25 million, which matures on April 30, 2019. Since June 30, we made one follow-on investment. On June 31, 2014, we invested $2 million in a mezzanine debt and $137,000 in the common stock of SQAD, which brings the investment portfolio to approximately $283 million and average investment per company to $10.5 million as of August 1, 2014.
And with that I will turn the call back over to Rob.
Robert Ladd
Thank you, Todd. And Joe, you may begin the question-and-answer session please.
Question-and-Answer Session
Certainly. (Operator Instructions) We'll move along to our first question from Alison [Technical Difficulty].
Unidentified Analyst
Hey, good morning, guys. Just a quick question on how you're thinking about the – using the available capital that you have – the at-the-market program and the SBA leverage. (inaudible) that $32.5 million commitment and kind of how you're thinking about using that kind of growth going forward in the next few quarters?
Robert Ladd
Sure, Alison. So, with respect to the ATM program or the at-the-market equity program, we do intend to use it, utilize it over time. We're sensitive about the price that we would net to the company. As you may recall, we do have authority again for this year to issue equity below an EV. And but we're sensitive that that price would ideally not really be meaningfully below an EV.
And I think that beauty of those programs is to [Technical Difficulty] fits into the capital needs versus a one-time issue which is more than you might need at that time.
With respect to the SBIC debentures and leverage, we do have authority to use $32.5 million that we mentioned previously, and of course, the loans need to fit under the SBIC guidelines or SBA guidelines, but we certainly have access to the $32.5 million that I mentioned previously. And we view that for the moment as the way to grow the portfolio in total. We're nearly fully invested as a business with respect to the non-SBIC portfolio so this is a way for us to grow the portfolio in total and without raising additional meaningful equity, that (inaudible).
Unidentified Analyst
Great, thanks. And just one follow-on; do you have exemptive relief that's going to allow you to not include the leverage gained in the SBIC under your total leverage ratio?
Robert Ladd
Yes, we expect to the notice period was – of yesterday, so something no one made a comment. We would expect to receive that authority as early as today.
Unidentified Analyst
Great. Thanks very much.
Robert Ladd
Yes, thank you.
And we'll move along to our next question from Robert Dodd with Raymond James.
Robert Dodd – Raymond James & Associates, Inc.
Hi, guys. On the pipeline, obviously, you characterized that as active and then obviously the amount deployments in Q2 were not that large. I mean, can you give us anymore color on that type of – and are you seeing cycle stretch out since it is taking longer to close, or is it, when the pipeline works through the process more and getting turned down either because of the terms of credit quality or can you just give us a little bit more color on the intersection between active versus your order deployments, what was the process?
Robert Ladd
Yes, sure. Carriages, what I've said that the pipeline is robust, let's say much more or so now or less few weeks than it was coming into the second quarter – during the second quarter. If you look back for – to the fourth quarter of last year, the first quarter of this year, and the second quarter of this year, our total originations added about – I'm sorry, average is about $30 million per quarter.
So, I think, we have a little bit of skewing what was happening – so I think, I look at it over a longer period of time, so we're on a reasonable pace of, again, on average $30 million of gross originations per quarter. Then, in particular right now, our pipeline is quite active, which is what I meant to refer to you as we in this quarter and we're looking towards the fourth quarter.
So we're seeing, again, these are a little bit lumpy in the cycle that we've not seen a meaningful change in the business, lot of M&A activity, which drives most of what we're doing. And we were cautiously optimistic for the number of things in the works that we'll be able to continue to close deals, both in the end of this quarter as well as more into the fourth quarter.
Robert Dodd – Raymond James & Associates, Inc.
Okay. And just kind of the follow-up on that, actually you said, on the average origination is about – so the average repayments for the (inaudible) of the same three quarters is about $20 million, a little bit higher than that in Q2 and Q1, fell down in Q4. I mean, is that average of $20 million repayments called $10 million net portfolio, is that kind of the ballpark you would expect to see in the long run quarter-over-quarter, obviously it varies a lot, but..
Robert Ladd
Yes, so good question. So I think, in the second quarter we had indicated, we knew one company that was being sold and the amount of that was just $10 million. There was another sale that happened for a long that we have was $12.5 million, it was not expected.
So just as a foreshadowing for the current quarter, we do not know of any payoffs and don't know any payoffs in the fourth quarter, but again, we can be surprised as we've been in the past. So I would expect the payoffs to probably be less frequent, less in amount, and I would expect therefore the gross originations to be probably closer to $20 million net, if not higher per quarter. And then Robert, I would just qualify that with, again, at the BDC level, nearly fully invested.
As you look at leverage at the BDC level, targeting about 0.7 or so to one leverage. And so, the growth from here will come more to the SBIC entity, where with exemptive relief we can take the leverage sales of business up to 1:1 in total, so again, that's kind of a key to the growth from here without raising meaningful additional equity.
Robert Dodd – Raymond James & Associates, Inc.
Got it. And then if I can have one more on that to kind of – in the SBIC type assets, typically especially your mix for – again, on that numbers, how much senior we would expect to see somewhat higher yields of coupons for the type of assets that typically qualify for that vehicle. I mean, is that fair to say that that's what you're looking at, or would you be focusing more on senior, the SBIC probably slightly higher your coupons, but….
Robert Ladd
Yes. So, I think, in terms of rate expectation, as you look over what we've been closing more recently, the yields have been, at least, this is for the portfolio in general have been, at least, that the average yield that we show as the portfolio levels. And I think that's right that typically companies that would fit under the small business or small enterprise definition could have slightly higher yields.
The portfolio that's in there currently is about on average of what we have as a portfolio in total. But I think that that's right. It could be slightly higher in the SBIC in terms of yields, and maybe a better way to say it is overall, we think that the yield that we have is a portfolio that's likely to stay, is to be stable, and it could be slightly higher.
Robert Dodd – Raymond James & Associates, Inc.
Okay. Thank you very much.
Robert Ladd
Thank you, Rob.
(Operator Instructions) Question from Greg Mason with KBW.
Greg Mason – Keefe, Bruyette & Woods, Inc.
Great. Good morning, everyone. First, since the SBIC is kind of the growth capital here for your business, what percentage of your forward pipeline can fit into that even if not exact percentage, how is that splitting into the SBIC?
Robert Ladd
Sure. And I think, Greg, it may be a better way to describe it is that for us it would be – more predictive would be that of the direct originations we've had kind of like today at SBIC or SCMs ticker symbol. Roughly 40% of what we've been doing would fit, now this is before we have the license.
So, I would say, 30% to 50% of what we're looking at can fit and the pipeline that we're looking at there are certainly number of deals that do fit. So an odd [ph] matter, perhaps, which one is close. So I think beginning of this week certainly are seeing opportunities that will fit into SBIC.
Greg Mason – Keefe, Bruyette & Woods, Inc.
Okay, great. And as – talk about one of your goals is covering a dividend, I think, last quarter, the – with the fee waiver stopping this year, you talked about that you would kind of consider the year on a full basis and potentially ways, these aren't necessary to cover the dividend. Just curious if your thoughts have changed any, as you've seen some of the developments this quarter?
Robert Ladd
Yes, so no change in our approach with respect to the incentive fee. The one thing I may have mentioned before is, we think it's reasonable to include realized gains in that calculation, because those typically for us are along we paid off or pays off early that otherwise would have been interest income above the one. But with that footnote, we expect you to maintain that approach. And as an example, for the first quarter, although we were entitled to 887, we paid ourselves 475.
Greg Mason – Keefe, Bruyette & Woods, Inc.
Got it, great. That does it. Thank you.
Robert Ladd
Okay. Thank you, Greg.
(Operator Instructions) And at this time, we have no further questions.
Robert Ladd
Okay. Thank you, Joe. We'll wrap up the call and, again, thank you, everyone, for being on the call. We'll look forward to speaking with you in about 90 days.
That concludes today's conference. We thank you for your participation.
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subset: commoncrawl


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text:
Friday, March 26, 2004
Frogs will avenge their second loss of season
The Frogs try to put their second loss of the season behind them and focus on their grueling upcoming schedule.
The TCU mens tennis team suffered its second loss of the season Thursday to No. 6 Rice in a close match, which saw the Owls come into town and take a 4-3 victory.
Assistant coach Cory Hubbard said the team came out a little flat at the beginning of the match in doubles play and he attributed that slow start to the Frogs losing for only the second time this season. He said no team can start off like that against a good team like Rice if it hope to come out on top.
Stephen Spillman/Staff Photographer
Junior Fabrizio Sestini serves in a doubles game against Rice as teammate sophomore Rafael Abreu awaits play at the Friedman Tennis Center Thursday afternoon. The No. 19-ranked team won over the Tony Haerle/Vuk Rajevac team 8-6.
Core of womens basketball team leaving
Coach says seniors were heart of Lady Frogs this year
Graduating players drove the womens basketball team to success, Jeff Mittie says.
TCU Daily Skiff


text:
Student selected for prestigious Colorado Energy Scholar Award
Thursday, March 3, 2016 10:00 AM
The Colorado Mesa University Foundation, the CMU Unconventional Energy Center and the Western Slope Colorado Oil and Gas Association announced Aerianna Preble, of Parachute, Colo., as the 2016 Colorado Energy Scholar. This new annual award recognizes Colorado's most outstanding students pursuing a career in western Colorado's energy industries.
The Feb. 26 announcement was accompanied by a surprise visit from CMU President Tim Foster to Preble's high school. Foster made the announcement in front of an impromptu school assembly.
"Mr. Foster's visit was a surprise to us all and really demonstrated a commitment to communicating with future students where they are — in the communities and schools throughout rural western Colorado," said Dave Walck, principal of Grand Valley High School.
"This award covers the cost of tuition and fees but is about a whole lot more than a scholarship," said Quint Shear, president of the West Slope Colorado Oil and Gas Association, who was also along for the visit. "The Colorado Energy Scholar Award Series was created to showcase the skills, talents and hard work of western Colorado's science- and community-minded students. President Foster and I believed this type of award deserved more than just a phone call or email so we drove up to tell Ms. Preble in person."
The Colorado Energy Scholars Endowment Award Series was initially funded by a $25,000 donation from WSCOGA. The gift was matched by the CMU Unconventional Energy Center and then combined with additional energy funds from the CMU Foundation.
"Colorado Mesa University prides itself on thinking outside the box to create partnerships that leverage resources and create opportunities for western Colorado students," said Foster. "We're looking forward to having Aerianna on campus this fall," Foster added.
While Preble is the first official Energy Scholar Award winner, she won't be the last. Carley Nelson, WSCOGA's program coordinator and an alumna of CMU, noted the association's long- term commitment to fundraising.
"Our organization will be looking to grow this endowment over the next decade to become Colorado's most prestigious science-based scholarship award. We're already receiving interest from additional donors and that is truly an exciting development," Nelson said.
Watch the surprise visit to Preble's school and learn more about the 2016 Colorado Energy Scholar Award recipient.
Dana Nunn, Director of Media Relations


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Hiking Weather
Becoming dry tonight, with warm sunshine tomorrow.
This Evening and Tonight:
There could be some thundery showers in the east this evening, but it will soon become dry and clear. With light winds we could see some patchy mist and fog develop during the early hours. Minimum Temperature 10C.
Plenty of warm sunshine will develop after any early mist and fog clears. However isolated thundery showers are possible for the afternoon, with the risk of hail. Maximum Temperature 23C.
Outlook for Wednesday to Friday:
It will stay generally warm, after some early mist clears. Wednesday will be mostly dry and sunny, however the risk of thunderstorms increases later this week.
Day 6 to 15
The Bank Holiday weekend will be mostly fine and sunny, after any early mist and fog has cleared. Scattered thunderstorms could affect southern and central areas at times however, with mist and low cloud possibly affecting the east coast. It will be warm or very warm in the south and west, but often much cooler near eastern coasts. There will also be a brisk easterly wind across southern areas. Similar conditions will prevail into next week, but some longer spells of heavy, thundery rain may move northwards into central parts. Into the beginning of June confidence is low, but it will most likely remain overall drier and warmer than average. However there will be an increasing chance of more unsettled, cooler conditions developing.
Day 16 to 30
For the beginning of June there is very low confidence in the type of weather pattern expected across the UK. Conditions are likely to become generally more unsettled as we head towards the middle of the month, with periods of rain or showers being more frequent and widespread. There will still be some more settled spells at times, these most likely in the south and southeast. Temperatures will probably be near or slightly above normal, but there is continued potential for further very warm spells.
Met Office : SW : 2018-05-21T15:29:00


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Despite Apple's third quarter iPhone sales falling below analyst predictions the company still shifted vastly more units compared to last year and CEO Tim Cook is in bullish mood. He said that Apple continues to steal consumers from Android and the company reported that its expansion in China and Taiwan is going extremely well.
It seems as though Apple is having a typical "s" year. When the company launches an iPhone with an s at the end of the title there is usually a levelling out of sales, which in turn usually leads to plenty of doom mongering that Apple has topped out. It is happening again as Apple released its third quarter financials that showed that iPhone sales fell below analyst expectations.
Apple has announced that its Apple Music streaming service is off to a good start as CEO Tim Cook revealed on Monday that the company has 6.5 million paying subscribers for the service. It is a very pleasing number for the company considering Apple Music only launched on June 30th of this year.
While we generally try to stay out of the Android vs. iOS or Samsung vs. Apple debate, we have to laugh when people point out that Samsung's superior sales hurt Apple. The laughter is because Apple is cleaning up in just about every aspect, aside from having huge amounts of devices like Samsung does. Indeed, Apple's dominance in individual product sales and income has been highlighted again by a Bloomberg report that shows that Cupertino rakes in 90% of all the profit made by smartphones.
It seems as though some users of the newly launched iPhone 6s (and last year's iPhone 6) are experiencing issues with their new flagship smartphones from Apple. The problem appears to have started post update to iOS 9.0.2 and results in the handset getting all weird and even switching itself off randomly.
Since Apple launched the iPad Pro (Apple Pencil and all) at the start of last month, the trail has gone a bit cold for the tablet come laptop wannabe. Cupertino has not said when the device will launch, but a report out of Japan points to an early November launch for the iPad Pro, with the Apple Pencil and Smart Keyboard landing at the same time.
Last year the iPhone 6 was a monster hit and swept all before it to breaking just about every smartphone sales record there is. Surely the only way was down for Apple and the iPhone 6s and iPhone 6s Plus? Not quite as Apple has just officially revealed that it shipped a whopping 13 million units of the new iPhone 6s range over the first three days of release.
The pink (ahem, we mean rose gold) iPhone 6s is proving to be something of a hit among consumers with the device making up the majority of pre-order units. Much like the gold iPhone 5s launched two years ago, many people thought the color option simply wouldn't look good or appeal to consumers. However, Apple proved us all wrong twice is seems.
T-Mobile, Verizon, and indeed Apple have all revealed upgrade programs for the iPhone moving forward, replacing the normal subsidized phone contracts. But what about the companies that are still doing the traditional model, like AT&T and Sprint? Well, AT&T has yet to reveal what it is doing with the iPhone 6s, but Sprint has just revealed a payment option of just $1 for the new iPhone 6s.
We are not exactly surprised to see that Verizon has created a program for upgrading the iPhone year after year. The company followed T-Mobile's path by doing away with subsidized contracts, which prompted Apple to create its iPhone Upgrade Program and for T-Mobile to follow suit. Verizon is now joining the party with its Device Payment option.


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'I don't want to rush it' Perrie Edwards confirms wedding to Zayn Malik is on hold
PERRIE Edwards has revealed she's in no rush to wed One Direction star Zayn Malik, and is happy just being engaged.
The Little Mix star spoke exclusively to OK! Online, admitting that she wanted to make sure everything was perfect before walking down the aisle.
Speaking at the Cosmopolitan Ultimate Women awards, she said: "We're just engaged. And we're happy being engaged.
"I don't want to rush it – I want to take my time and make sure it's perfect!"
Adding: "We need time."
Last week it was reported that the pair had been too busy to think about their upcoming nuptials with Zayn revealing that he hadn't even thought about the actual wedding.
During an interview with his fellow band mates, he said: "I haven't really thought about getting married yet, we're just kind of engaged.
"We haven't really had any time to sit and organise that."
Well, hurry up will you guys – we're dying to see the dress!
Meanwhile, fellow Little Mix star Jade Thirlwall confessed that she might well be on the lookout for her own Mr Right.
When asked if she ever found the pressures of fame too much, she told OK! Online that she sometimes wishes she could just chill out with someone of her own.
"Obviously there's times like that, especially promo times, where you're just like, 'Oh, I want sleep. I want a boyfriend!'" she said.
"But then you just have to pull yourselves together because we're just so lucky to be where we are."
Form an orderly queue guys.
Related article: Zayn Malik postpones wedding to Perrie
Related article: Zayn's sister on the One D fans: 'They can be crazy'
Related article: One D's Zayn 'fed up with fame' and wants to settle down with Perrie
Realted article: Will Perrie and Zayn have a Disney themed wedding?


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Sales Presentation Video Clips
Steve Mertz
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Here's one prom Chloe Grace Moretz will never forget.
Naturally, we're referring to the climactic scene in the upcoming Carrie remake in which the 16-year-old star's titular character finds herself doused in blood. And while it was "technically" Moretz's first prom, she told E! News at the movie's Hollywood premiere on Monday that she has in fact been "invited to a senior prom" in real life.
When asked who invited her, she simply smiled and said, "No one," as if to avoid revealing her potential date (or that she did the asking!).


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Two local charities have benefited from Robert Anderson's book 'Even More Fading Memories' - with some photos from the Coleraine Times.
Last week, Robert handed over cheques to the 'Caring Caretaker', David Boyle and Derek Scott of Agherton Parish Church.
Launched just over a year ago at Coleraine Town Hall, the third volume in the 'Fading Memories' series was printed by Impact Printing.
The book, filled with old pictures from across the Borough, was printed to Impact's usual high standard. It proved to be a big hit with book lovers locally and ex pats around the world.
With support from local book sellers and good reviews, the book became a best seller and has now sold out, becoming a collector's item at the same time.
Last week, Robert presented cheques of £1500 to the Building Fund of Agherton Parish Church as a token of thanks for the support provided by the Church following a bereavement. The Caring Caretaker, Davy Boyle's charities also benefited.
Speaking at the event, Robert said: "I consider Davy a friend and have admired his commitment, even during bouts of illness, to helping others."
Thanking those who had helped him with the book, Robert added: "This has only been possible through the support of publishers, book retailers, the local press, the Church Committee and other individuals.
"Thank you all for your help and support."
Coleraine Times Editor, David Rankin, who supplied some of the photographs for the third volume of Robert's book added: "I was delighted to be asked to the official launch of the book in Coleraine Town Hall.
"The book contained many marvellous images of the Borough and we were only to delighted to be asked to contribute photographs for the latest volume in an incredibly popular series of books.
"Congratulations to Robert and the publishers, and many thanks to all who bought the book."


text: Home > Parenting > Child > News 27 March 2012 Bed-sharing, smoking up Sids risk Although the rate of Sudden Infant Death Syndrome (Sids) dropped by more than 50%, new research suggests that risk factors other than "tummy sleeping" may explain why Sids rates have not declined further. 0 ASK The Paediatrician » Follow Health24 on Facebook » Quiz Are you ready for a baby? » Subscribe Parenting newsletter » 10 interesting Down syndrome facts Autistic savant 'reads minds' Although the rate of Sudden Infant Death Syndrome (Sids) dropped by more than 50% following the start of a US campaign encouraging parents to put babies to sleep on their backs, new research suggests that risk factors other than "tummy sleeping" may explain why Sids rates have not declined further. Chief among those other risk factors are bed-sharing (where the baby shares a sleeping surface with a parent or parents), smoking exposure before and after birth, and having objects in the crib, the study revealed. "It's not that there are new risk factors; it's that now not all babies are sleeping on their tummies, so other things can be uncovered," explained study co-author Felicia Trachtenberg, a senior research scientist at New England Research Institutes, in Watertown, Mass. The findings, culled from an analysis of 568 Sids deaths that occurred in San Diego between 1991 and 2008, appear in Pediatrics. What the study found Tummy sleeping is still the leading risk factor for Sids, according to study co-author Dr. Henry Krous, director of the San Diego SIDS/Sudden Unexplained Death in Childhood Research Project at Rady Children's Hospital. Nevertheless, the Back-to-Sleep programme, started in 1994, has made a huge difference. "It has been the most successful program that one could imagine," Krous said. "The incidence rates from Sids have dropped dramatically in the United States, and similar public educational campaigns in Western Europe and Australia and New Zealand have had similar dramatic declines." The study found that the percentage of infants who died of Sids who were found on their stomachs decreased from about 84% to 30%. Certain environmental or genetic factors - including being black, male, premature or exposed to alcohol or smoking in the uterus - also made a baby more susceptible. "Exposure to cigarette smoke, either when the baby is in utero or after the baby has been born, is a very important risk factor for Sids," Krous said. Risks for Sids Physical risks around the time of death included having the head covered; sleeping on an adult mattress, couch or playpen; soft bedding; bed sharing, and having cold symptoms. Bed-sharing increased from 19% to almost 38% during the study period. Dr. Carl Hunt, a research professor of paediatrics at the Uniformed Services University of the Health Sciences in Bethesda, Md., commented on the findings. "The most striking thing is that Sids mortality rates have fallen considerably over this period of time, and the prevalence of prone sleeping has decreased significantly," Hunt said. He noted that bed-sharing increased the most with infants younger than two months of age. The issue of bed-sharing has been very controversial, because of "concern that [an] across-the-board ban on bed-sharing could impede or impair the chances of successful breast-feeding." And, he added, "with women who breast-feed, it's associated with a lower incidence of Sids. It doesn't mean that it's causal, but there is a strong association." The study noted that even if all babies were placed to sleep on their backs from now on, Sids would not be eliminated. Overall, prevention efforts should shift in a new direction, the researchers concluded. "The most important finding of our study is to not focus on a single risk factor to be avoided, but rather the avoidance of multiple risk factors simultaneously," Krous said. "Babies should not be bed-sharing while they are on their stomach and after they have been exposed or while they're being exposed to cigarette smoke," Krous said. "They shouldn't be placed in environments that are excessively warm. They shouldn't have their heads covered by a blanket. They should not be put on a soft sleeping surface." And, Trachtenberg added, "babies should sleep on their backs alone in the cribs, with nothing else in them: no blankets, pillows, bumpers, stuffed animals." She advised using blanket sleepers or swaddlers to keep babies warm. "Even if you can't achieve a perfect sleep environment for your baby, getting rid of some of the risk factors goes a long way," Trachtenberg said. Pacifiers might help, Hunt added. "The data would suggest that infants that are provided a pacifier on a consistent basis have a lower risk of Sids." The experts agreed that despite gains, continuing awareness efforts are needed to reduce Sids rates even further. "There are still a lot of families that are not aware of what constitutes safe sleeping practises," Hunt said. "These data would reinforce that's still an issue, and it's still a public health problem, that we need to do a better job of education." Read more: Breastfeeding linked to lower risk of SIDS More information The American Academy of Pediatrics offers a parent's guide to safe sleep. (Copyright © 2012 HealthDay. All rights reserved.) NEXT ON HEALTH24X 8 ways to protect your family from worms 2017-03-07 13:24 More: ChildNews advertisement What To Read Next {{item.title}} Read Health24's Comments Policy Comment on this story 0 comments Comments have been closed for this article. Logout Comment 0 characters remaining Share on Facebook Loading comments... From our sponsors Win a R1 500 hamper with Alpecin Hypertension Consumer Fact Sheet Understanding diabetes self-management WIN a R2000 Skin Renewal voucher! Live healthier Mental health & your work » How open are you about mental illness in the workplace? Mental health in the workplace – what you can do to help If you know that one of your colleagues suffers from a mental illness, would you be able to help them at work? Maligay Govender offers some helpful mental health "first aid" tips. Sleep & You » Sleep vs. no sleep Diagnosis of insomnia 6 things that are sabotaging your sleep Kick these shut-eye killers to the kerb and make your whole life better – overnight.


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1CommentsJoined April 24th, 2016
- MichelleB186 commented on mikeasaurus's instructable magnetic silly putty2 years agoView Instructable »
I really do love this, but it's just not safe for little kids in my mind not for a whole bunch at a party anyways! I think for an at home project with your kids yes because you can just make it when there in bed and let them play with it the next day! but there is also other ways to make this which are safer! but still thanks for the post it's great!


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True Blood doesn't return to the television until June. But this spread from the March issue of Harper's Bazaar should help tide you over til then.
(Clemence Posey+Karl Lagerfeld)+pops of red(photos - color) ÷ vampires = Stunning photos. And the tagline on one of them couldn't be more perfect: Sometimes style simply runs in your blood.
Happy Weekend!


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I was able to do some more VSN challenges (see previous post for more info on VSN) yesterday, a whopping eight projects! I'd be hard-pressed to pick a favourite, but I think it would have to be my brother's birthday card (the brown, ferny one front and centre), with the watercoloured girl running a close second. Unfortunately I didn't get time to do the panty card and apparently there's a five-page thread on splitcoast about how funny/outrageous the submissions were. I'll have to check that out.
If you would like more information on any of these cards, they're posted in my splitcoast gallery along with the supply details.
Thanks for visiting my blog!


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When the plastic bobbin rolls into the bilge way down, way down
There'll be no more sewing 'til we find a new one or two in town.
What now, what now? Can't paint the mast today.
Why not, why not? Sanding dust all blows our way!
Cheer up, cheer up! Guess we'll just have to play.
Live, love, laugh and be happy.
The second week was mostly consumed with taking things apart. Strip the mast and boom. Remove the rudder and the cutlass bearing, etal. Things come apart fairly well. Now it is time to do the repairs and maintenance. Reggie orders the things needed for the cutlass bearing replacements. He also starts grinding away at the rudder (yikes). I start painting the mast and boom. We should be in the water on schedule, even after adding jobs the first week that were not on the schedule.
Maybe not. I'm not sure how many times the wrong things arrived for the cutlass bearing project.
It looks to me like Reggie is making a new rudder. I'm sure it will be fine:/ There have been some delays, as he needs warmer weather for the expanding foam portion and it has been cold here. Well not Montana cold, but not Florida warm either.
It turns out that painting the mast and boom is not like painting a wall at home. After pretty much botching the job, some fellow cruisers here have offered suggestions. The 'professor' has helped me with my technique and now they are almost not embarrassing. Today the neighbors across the way offered to show me how to do it by rolling and tipping with a brush. I declined her valiant offer, as it would have required tons of sanding what I had already done and at this point we are behind schedule. Anyway, I'm not one to put earrings on a pig, even if I think my pig is wonderful. The boat right next door is having the bottom sanded, so I have to wait until he is done for the day, then clean up all the fine, back dust before I can apply another coat. I should be getting good at cleaning up that stuff!
Oh, yes, the bobbin saga continues after losing the only one we had. We wrote down the model number and went to JoAnne's. the clerk started to look it up and then decided she knew which one we needed. We came home with a package of bobbins. Things just didn't look right, so I checked on the internet. Still not sure how this one works. Try several times and finally give up in frustration. Reggie looks researches only to discover we have the wrong ones. Maybe another time. I can live with a less than perfect paint job on the mast and boom, but I really want some new curtains and cushions!!
Reggie appends:
It hasn't been all toil. We had a great dinner out at Maggiano's with new friends Michael and Diane. Also, we took a break during a shopping excursion for dinner at Moe's Southwestern Grill. And our refrigerator keeps the beer cold!
Other boats are finishing their projects and launching to head out for the Bahamas or the Florida keys or wherever. A couple have launched even though all the projects weren't done. I'm beginning to wonder if we will get to go. Wait! No negativity!
Our projects?
For the mast, a new LED anchor light, a new steaming and deck light, sanding and paint to eliminate corrosion spots, a new halyard, repair/upgrade parts for the old roller furler, and new standing rigging to keep the mast from falling down once we get it back up. Chain-plates, stem fitting and mast shoe have been re-bedded.
The rudder had bulges and some water in it. I had to grind away about 20% of the rudder to get rid of bad stuff. Today began the reconstruction with pourable 2 part urethane foam. Then, I get to learn how to apply fiberglass and epoxy!
The propeller shaft needed a new cutlass bearing. The third one which arrived was the correct one. And, while in the area, the shaft log hose and clamps were replaced, and the packing gland was repacked with new super-duper packing.
Barbara has a better light over the galley. Tomorrow she will connect the new-to-us-last-spring bow running light and then the anchor chain and line and anchor can go back where they belong.
Seeing things go back together is giving us hope!


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Joe Ybarra
- Texas Church Holds Service 1 Week After Massacrehuffingtonpost.comNew Jersey , Arecibo , Texas
- Suburban man charged with sexually assaulting 2-month-old girldailyherald.com
- Arlington Heights trucker charged with assaulting 2-month-old-girlChicago Tribune
- 3 people killed during 'unprovoked' shooting rampage in Fresno, Calif., police sayWashington Post
- Austin is fine without Uber and Lyft…until it isn'tTechCrunch
- LProgram lets youth experience flightlampasasdispatchrecord.com
- Virgin Mary Statue 'Weeps' In Fresno, Californiahuffingtonpost.comAztec , Mexico , Guadeloupe , India , Vatican City
- DCalif. man, 39, shot dead by own dad as wife goes into laborDaily NewsFresno , Fresno , California
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Thursday, July 21, 2011
Lysol Wipes Rebate (earn free wipes)
Lysol is offering a great rebate from now until 10/31/11. For every three Lysol products you buy (at any time) you can receive a rebate for up to $3 for Lysol Wipes. You have to have at least one purchase of Lysol Wipes in every three you turn in for the rebate, but the other two products can be ANY lysol product. So save your receipts and visit
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McGraw-Hill Connect is a digital teaching and learning environment that saves students and instructors time while improving performance over a variety of critical outcomes.
We can help you find the solution that fits you best.
My students and I are new to Connect and the first day of class is fast approaching. Help!
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They will "respect" the ruling. But it is unlikely that they will give up their attempts to compel Sweden and other European countries to adopt Sharia blasphemy laws. By Ahmad Maher for IslamOnline (thanks to PRCS):
CAIRO "" Swedish Muslims were disappointed Saturday, September 22, at a ruling by Justice Chancellor Goeran Lambertz, who said the anti-Prophet Muhammad cartoon published in a local newspaper did not constitute incitement to racial hatred.
"Of course we reject the ruling, but we can't help but respect it," Stockholm-based Chaka Benmakhlouf, President of the Federation of Islamic Organizations in Europe, told IslamOnline.net over the phone.
Benmakhlouf said the powerful Jewish lobby in Sweden had lost a similar case in the past after suing the Stockholm Mosque for alleged anti-Semitism.
"Jewish leaders translated some Islamic books which they said contained anti-Jews materials and forwarded them to Chancellor Lambertz, who overturned the lawsuit on free speech grounds," added Benmakhlouf, who holds Swedish citizenship.
Three Swedish Muslim organizations had asked Lambertz "" the only official in Sweden entitled to indict in cases concerning freedom of the press "" to press charges of incitement to racial hatred against the newspaper Nerikes Allehanda and its editor-in-chief Ulf Johansson.
The newspaper published in August a cartoon that depicted Prophet Muhammad (peace and blessings be upon him) as a dog, citing freedom of speech.


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Celebrities often make decisions in their career in order to have a break and become even more famous. Some choose to try other managements or agencies while others resort to switch networks.
Surprisingly, this tactic has become one of the most effective to those showbiz personalities with a dying career.
Below is the list of Filipino artists who transferred from their home network to another and gained more success!
1. Liza Soberano (from GMA Network to ABS-CBN)
Liza first appeared in the Kapuso network but was not given much attention so she transferred to ABS-CBN.
Now, she's one of the most beautiful woman recognized in Asia. She's also the star behind various successful Kapamilya teleseryes. Notable were "Forevermore" and "Dolce Amore."
Liza is the love team partner of Enrique Gil and they have their own fanbase called LizQuen.
She's currently prepping up for the movie remake of Mars Ravelo's superhero comic "Darna."
2. Sarah Geronimo (from IBC 13 to GMA Network to ABS-CBN)
Known as Sarah G, the Popstar Princess, entered the music industry in 2003 by winning IBC's "Star for a Night."
She began working for ABSCBN the year after and appeared in projects such as ASAP (2004–present), Bituing Walang Ningning (2006) and Sarah G. Live! (2012-2013). She was also a coach in The Voice of the Philippines and The Voice Kids for two seasons from 2013 to 2015.
3. Anne Curtis ( from GMA Network to ABSCBN)
The 32-year-old Kapamilya actress began early in the industry. She first appeared in GMA 7's Ikaw Na Sana back in 2003 and played various minor roles under the network.
She transferred to ABSCBN in 2004 and that's when she had her big break. She even referred to this decision as "majorly life changing."
Anne was provided with overflowing projects both in acting and hosting. To name a few, in "Hiram," "ASAP," "The Buzz," "Wag Kang Lilingon," "DYOSA," and the ongoing noontime show "It's Showtime."
4. Dennis Trillo (from ABS-CBN to GMA Network)
Dennis has been in the industry since 2001 when he was introduced as part of ABS-CBN's Star Circle (now known as Star Magic) batch 10 along with Bea Alonzo, Alfred Vargas and TJ Trinidad.
He had his breakthrough the moment he transferred to GMA landed his first role in the youth-oriented drama "Kahit Kailan."
Dennis received continous projects through the years as a Kapuso. He starred in notable series and shows like "Mulawin," "Encantadia," "Etheria," "Zaido," and the controversial "My Husband's Lover."
He's currently playing lead role in ongoing fantaserye "Mulawin versus Ravena."
5. Arci Muñoz (from GMA Network to TV5 to ABS-CBN)
Arci Muñoz is both singer and actress. She's the vocalist of her rock band named PHILIA, juggling her showbiz career with her passion for music.
She first entered the industry through GMA's "StarStruck" in 2005. After that, she appeared in various shows in the network with minor roles.
Arci moved to ABSCBN in 2014 and rose to fame since then. She got a break in her Norma in "Pasion De Amor."
She's given movie projects including rom-coms "Always Be My Maybe," "Camp Sawi," and the latest hit "Can We Still Be Friends?" with Gerald Anderson.
6. Toni Gonzaga-Soriano (from GMA Network to ABS-CBN)
Toni is a talented singer, television host and actress. She's now dubbed as the "Ultimate Multimedia Star" because of her many achievements in various fields in the industry.
She first joined a singing competition called "Metropop Star Search", which was then aired on GMA but did not win. However, she caught attention in her 2001 Sprite TV ad with Piolo Pascual. In the same year, she released her eponymous debut album under Prime Music.
Toni decided to switch to ABSCBN in 2005 and was trusted with so many projects. She became one of the main hosts of the reality show "Pinoy Big Brother," and "The Voice Philippines."
She already had eight concerts and eight albums as well. Toni's also star to several hit movies such as "My Amnesia Girl," "Wedding Tayo Wedding Hindi," "This Guy's Inlove With You Mare," "Starting Over Again," "You're My Boss," and more.
7. Ella Cruz (from GMA Network to ABS-CBN)
Teen actress/performer, Ella, started early in the show business too. She's already acting when she was nine years old under GMA Network.
Her first activity was "Mahika" then she transferred networks from time to time. She left GMA for ABSCBN in 2007 but later on returned to Kapuso then she switched to TV5 but finally settled down again in ABSCBN up to this date.
Ella's notable for her own fantasy-drama series "Aryana" where she played the lead role as mermaid.
She's currently pursuing her dancing alongside her acting.
8. Yassi Pressman (from GMA Network to ABS-CBN)
Yassi is a Filipino British model, actress, television personality, singer and dancer. You could say she's quite a package.
In 2007, she became one of the female dancers of SOP Fully Charged. She was tagged as the "Princess of the Dance Floor" when she became part of Sayaw Pilipinas together with Mark Herras, Sef Cadayona, Rocco Nacino, Steven Silva, Mayton Eugenio, Diva Montelaba, and Wynwyn Marquez.
It was in 2013 that she signed with Viva and received movie projects. She starred in Wattpad adaptation "Diary ng Panget" with James Reid and Nadine Lustre (JaDine) in 2014.
Yassi also starred in movies including "Camp Sawi" and "Girlfriend for Hire."
Now, she's at the peak of her career being one of the lead characters in "FPJ's Ang Probinsyano" book two.
9. Tom Rodriguez (from ABS-CBN to GMA Network)
Tom was once a "Pinoy Big Brother" housemate in ABSCBN until he decided to transfer to GMA in 2013.
He was lead in the controversial LGBT-themed teleserye titled "My Husband's Love" with Dennis Trillo and Carla Abellana. It was a series marked as a success because it gained a lot of ratings.
Tom also hosted the local franchise of the German game show Don't Lose the Money.
10. Jonalyn "Jona" Viray (from GMA Network to ABS-CBN)
Formerly Jonalyn Viray, "Jona" reinvented herself when she decided to switch networks.
She started in the music industry upon winning GMA 7's "Pinoy Pop Superstar." Jona caught attention through her powerful 'biritera' voice. After being in the network for several years, she transferred to ABSCBN.
Jona now has a self-titled album under Star Music and will be holding her solo concert soon. She's the voice behind various Kapamilya teleserye soundtracks, "Pusong Ligaw" for one.
11. Nadine Lustre (from GMA Network to ABS-CBN)
Nadine belongs to one of the hottest love teams today and is currently making her own line of perfume.
She's far ahead of the girl she used to be. With the 2017 FHM Sexiest Woman title and a handsome showbiz boyfriend like James Reid, Nadine's career is to die for.
Once she was a Kapuso star making appearances in their Sunday shows with former girl group "Pop Girls." She used to perform with them but eventually left to go solo.
Nadine got a break in 2014's Wattpad movie "Diary ng Panget." Since then, she was consistently in demand both in the big screen and daily television.
Their love team, JaDine, first rose to fame during their hit romantic series in ABSCBN "On The Wings Of Love."


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Ratana – Bianca Bar Chairs – Aluminum
Bianca Bar Chair: Aluminum All the comfort you will ever need without the bother of cushions. Three great colors would look good in any outdoor space; GREEN, ORANGE OR TAUPE. Contract viable (can be used in commercial applications). **(Counter Chairs not available)**
FN39841GRN (Green), FN39841ORG (Orange), FN39841TAU (Taupe)
Back Height: 41.5, Seat Height 31″
Depth: 21.5
Width: 18.25″
Weight: 13 LBS
Maximum Weight Load: 350 LBS


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Stabilizing mattress BodyMap K
Vacuum stabilizing mattresses which can be easily shaped to the patient's body. They are perfect for bed sores prevention due to the fact that they support pressure points. They enable patient to keep correct position for trunk, hips, head, upper as well as lower limbs. They are used so as to correct postural defects.
There is a possibility to order custom made product.
NOTE! In each of the cushions, there is a possibility to make utility holes of any shape and size. The holes allow eg. installation of stabilizing belts, vests, etc.
- Cerebral palsy
- Bed sores prophylaxis
- Poor position of trunk, pelvis, upper and lower limbs as well as a head
- Poor posture
- Excessive muscles tension (hypersthenia)
Key features
- Easy to individual shape modeling
- Shaped form last for a long time
- Optional cover made of thermo active foam
- Self adhesive function
- Waterproof
BodyMap products are made of soft, elastic neoprene, which perfectly adapts to the patient's body. With such precise mapping the contact area of the body with the cushion surface is increased, thereby reducing pressure. This has a very significant impact in the prevention of bedsore. Thanks to the vacuum technology it is possible to gradually adjust the level of hardness of the product. For patients particularly susceptible to pressure sores, we recommend the use of BodyMap cushions with Aerating-massaging pads.
With dual-function pump it is possible to adjust the hardness of the cushion to the individual needs of the patient. They allow precise pumping out of the air in order to achieve the desired hardness. Electric and manual pumps are available.
Large hand pump
Highly efficient manual pump. Ideal for mattresses and big cushions.
Repair kit
For each cushion is added repair kit, which features a tube of neoprene glue, a set of patches and instruction manual.
Self-gripping surface
Cushions ath the bottom have the self-gripping Velcro surface. We can attach a variety of Velcro tapes to the cushion. This allows you to stabilize the patient in cushion or mount it anywhere, eg. in a stroller, seat or in the car.
Valve with chain
The pump valve is small and easy to lose. With the chain you'll never have to search for it.
Suggested accessories
A – Mattress width, B – Mattress length, T – Mattress thickness


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For jihad in Canada? From CNN, with thanks to CGiddensJr:
(CNN) — Two men tried to re-enter Canada from the United States early Saturday with handguns and ammunition strapped to their bodies, Canadian police said.
Ali Dirie, 22, and Yasin Mohamed, 23 — both Canadians from the Toronto area — face weapons-related charges and are in police custody in Niagara Falls, Ontario, according to a police statement. Ontario's Provincial Weapons Enforcement Team and the Niagara Regional Police Service are investigating.


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I gotta take Blue on home court and JB is always tough to beat twice in one year!
2017-18 Bracketology
Somebody, in this thread or another, pointed out how important it is to have Livers back, to defend KBD; and I think that's a great point. KBD will likely eat Duncan's lunch. Even if you shift CM onto KBD, then MAAR, Poole, or Duncan have to guard Tate, who plays too strong for any of those guys. I guess the best option would be CM-KBD/MAAR-Tate; at least then Duncan can matchup with A. Wesson; but I think we'd really need Moe to own K. Wesson, to win against the KBD/Tate matchups.
Or a little 2-3 zone that we haven't seen in awhile? Might be worth it if we have no Livers. Especially when Dakich is in
Gonzaga is an "easy omission" too though, as their RPI is 36. Their resume ranks are as weak as Rhode Island's quality ranks. If the question was whether the committee was going to do away with RPI completely and just go with the computer numbers, sure, we have our answer – but was that really a question? The more open question is whether the committee will value more the super average or the straight up RPI.
And yes, I think the quadrants will be very important, and they are RPI based, though they do take location into account.
I'd disagree for sure on Gonzaga. They have 5 top 50 RPI wins and only one of those is at home. That's extremely solid. (Since the quadrants are RPI-based, I'm looking at the RPIs for their wins.) You have a team that went out and did some work in the non-con and metric based tools love them. They're getting disregarded because their conference hurts their RPI.
On the other hand, Rhode Island hasn't won anything on the road. Best road win is at #115 Dayton. They have three top 50 RPI wins and two are at home.
Guess we'll see how big of an impact the quadrants have in a few weeks.
Everyone is complaining about the RPI and the RPI is not a perfect or even great system, but if you broke down the quadrant wins with KenPom to deteremine them the results would be very similar. The point is that the committee looks very closely at things like how many good wins you have (especially away from home) and applies a lot of weight there.
Also this guy hit the nail almost on the head… Might be worth tracking.
Where can I find a projected big ten tournament bracket?
There's a real chance that PSU and Maryland could both be RPI Top 75 teams at year end. That would mean Michigan's final 3 games are all Q1 chances in the eyes of the committee.
Would definitely be nice if our top 40 (KenPom) road games were accounted for as tier 1
What would say is M magic number wins to get in? I can't see this M team netting 23 victories and not getting in.
If we win two of our last four games, we will get in.
Michigan's resume is going to be pretty weird. Only two quadrant 1 home or neutral games all year.
That OSU game is obviously huge for tournament/resume reasons, but I think that could be a huge seed push with a W. More so than expected. Beating a top 20 RPI team at home and losing by one to another. Shows the team could've done work if provided more opportunities. I would hope that weighs in if people say they're low on quadrant 1 wins.
I'm frustrated we're being slotted as 8 or 9, I'm confident we're much better than that. Especially if you look at our losses it was almost always close and to good teams. Hopefully ucla and Texas keep winning. Really wish we didn't have a meltdown against Ohio st. A huge beating on the road there would have looked great.
I feel pretty good about this Ohio st game. I'm convinced we're the better team and we're home. Hopefully that proves correct.
I think 8 or 9 fits our resume and how we've been playing lately. Obviously winning the OSU game will change things, but Texas and MSU remain our only really good resume wins.
Unfortunately Texas is fading fast and only .5 games out of last place in Big 12. Eleven losses already with 3-4 more probably coming.
Bleh. Our resume is actually kinda crappy tbh. Losing to LSU and then having to play Chaminade and VCU really hurts seed-wise.
But the Big 12 is loaded and they still have a chance to stay in the top-75 RPI (currently at 55).


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text: This article or section is an NPC stub. You can help expand it by editing it. NPC boilerplate · Boilerplate help · Research: Wowhead WoWDB Use {{Stub/Char}} for non-in-game characters or {{Stub/Mob}} for non-interactive, non-player characters or monsters. This type of article is usually categorized under "Quest givers", "Trainers", or "Vendors". External links Edit WowheadThottbotWoWDB Retrieved from "http://wowwiki.wikia.com/wiki/Camp_Winterhoof_Wayfarer?oldid=2576881" Categories: NPC stubs Level 66 - 71 NPCs Howling Fjord NPCs Grizzly Hills NPCs Taunka Add category Cancel Save


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Construction Disputes and Avoidance
Construction disputes and avoidance online CPD programme
10 hours, course fee £ 109
You can learn whilst you are working
This short course will give you understanding of alternative dispute resolution methods, dispute avoidance process, dispute resolution techniques and types of claims presented by owners, and contractors and recognise the best practices for avoiding construction claims.
In addition the course deals with the importance of communication and documentation, and the various means of resolving disputes. Through a combination of online lectures, lecture materials and supplementary reading materials, course participants will be able to develop skills to control projects with maximisation of income.
The course lectures will be conducted by senior consultants who have significant level of experience and expertise in the field of construction claims and construction disputes resolution as general contractors.
CPD Hours
This course will assist you with gaining your Cpd hours. If you are hoping to become a chartered member of any professional institutions, you will be required records of continuing professional development (Cpd) that you keep records of time spent accumulating Cpd hours. The course carries formal 10 Cpd hours which will count towards your continuing professional development. You will be received a signed certificate that includes CPD hours.
Successful Outcomes
This course will provide successful following outcomes:
- Understand the nature and background to alternative dispute resolution.
- Knowledge on general principles of conflict avoidance processes and dispute resolution techniques.
- Understand processes and procedures of various forms of alternative dispute resolution and conflict avoidance.
- Increase awareness on dispute escalation clauses.
- Develop skills for proactive planning and management of future work, as well as raising early issues of concern can avoid disputes.
- Develop the ability to properly use analytical methods and evaluation techniques in interim valuations and claims.