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Vocabulary: The vocabulary strategy this week is prefixes. A test will be given on Friday covering this skill.
Spelling: We will be working on multisyllabic words and commonly misspelled words. The spelling words are: algae, burrow, carcass, dominant, extinct, instinct, irregular, mutual, native, organic, saliva, slaughter, territory, unique, vegetation, burro, borough. The spelling test will be on Friday.
Grammar: Students will be working on plural nouns this week. A test will be given on Friday covering these skills.
Writing: This week we will be working on writing an science report. Students are to explain a food web within one ecosystem. They should use examples to explain the roles of producers and consumers. They should also include an explanation of how energy is transferred among living things. They should feature a drawing of their food web. They should present their final report as a poster. This is due Friday, October 3rd.
Math: We will be working on our Go Math series. We are working on Chapter 4, which covers multiplying decimals. We will complete lessons 4.6-4.8 this week. There will be one page of math homework assigned nightly, except for Fridays. We will also be taking the Mid-Chapter Checkpoint Quiz on Monday. Lesson 4.8 is the last lesson of the chapter. The Chapter 4 Test will be on Tuesday, October 14. Each Friday, students will also take a multiplication timed test. It is very important for students to be fluid with their multiplication facts. Daily practice of multiplication facts is encouraged.
Social Studies: We have started a new unit on The Civil War. To help us learn about the war, we are reading the book Across Five Aprils by Irene Hunt. Students have been assigned a copy of this historical fiction novel and be answer questions about the book.
Summary of Across Five Aprils: Drawn from family records and from stories told by the author's grandfather, this deeply moving novel conveys the bitterness and drama of the Civil War through the lives of an ordinary family. The story is told through the eyes of young Jethro Creighton, who lives with his closely knit family in a farming community in southern Illinois. In April of 1861, Jethro is nine years old, and too young to understand the meaning of war. By the second April, Jethro has watched his older brothers go off to fight-- two for the North, one for the South. His parents are stricken by grief and suffering as the neighbors take revenge. As the seasons change and the years pass, the family closeness dissolves, one brother is killed, and a cousin deserts the Union Army. By April of 1865, the meaning of war has become all too clear to Jethro. Although still a boy, he is forced to leave his boyhood behind. (From The Civil War: Literature Units, Projects, and Activities by Janet Cassidy)
Science: We are doing a science unit this week entitled "The Shocking Truth About Electrical Safety". We will be working on the following concepts: Electricity travels in a closed loop called a circuit. Electricity flows easily through conductors, not through insulators. Electricity always takes the easiest path to the ground. Water is an excellent conductor of electricity. Because the human body is mostly water, it is also a good conductor of electricity. Most of the work we will be doing will be completed in our science notebooks. Notebooks will be collected and graded on a weekly basis.


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Recruitment policy
Employee recruitment
As in 2016, in 2017 PKP CARGO S.A. implemented internal and external recruitment processes. In addition to standard recruitment activities aimed at acquiring experts and specialists with theoretical knowledge supported by experience, it intensified activities aimed at recruiting candidates without experience or with a relatively short employment history.
In 2017, 633 recruitments were launched, of which over 10% were internal recruitments. The share of recruitment ended with employment vs. total recruitments is over 72%.
Focusing its recruitment processes around people with a short employment history, PKP CARGO provided the opportunity for realistic development of competences and building a career path by gaining initial professional experience and shaping attitudes and behaviors consistent with the expectations that PKP CARGO S.A. lays down for its employees.
In 2017, as part of the activities promoting employment with the Company, PKP CARGO S.A. participated in the Career Day organized during the International TRAKO Fair. This meant a return to employer's promotion within the school and academic environment. Those activities will be continued.
Adaptation program
In 2017, works related to creating friendly and optimal conditions for each new employee of our company were continued.
Adaptation programs for new employees are adapted to the uniqueness of the work, different in the Head Office and different in the Company's Units.
In the Head Office, the "CARGO WITA" ['WELCOME TO CARGO'] adaptation program is implemented, aiming to organize the process of hiring and adapting new employees. Thanks to the program, new employees get to know the organization, its strategy, mission and vision, structure and principles of operation.
In addition to adaptation training and a welcome letter, new employees are invited for training courses focused on the rules of conduct. In addition, under the program employees participated in e-learning training on "Environmental protection".
In 2017, the "CARGO WITA" adaptation program was extended to include support for employees. An Intranet site dedicated in particular to new employees contains all necessary contacts to competent people from different areas.
The Units implement vocational preparation programs based on the qualifications required from the candidates. A vocational training program covering practical and theoretical training is developed for this group of new employees. The above-mentioned training courses end with a practical and theoretical exam. In order to systematically improve professional knowledge, periodic and ad hoc trainings are also carried out.
Scholarship and internship programs
As a result of identification of the risk of difficulties in hiring appropriate personnel to perform the operating tasks,
the works on implementation of systemic solutions supporting employment of new staff begun in 2017. These activities are included in the scope of the three main programs:
- Internship program: a program dedicated to graduates of secondary schools and universities as well as extramural students. Its purpose is to hire staff with no or only a limited professional experience (up to 1 year) who, following a completion of a 3-month internship, will be able to start work on the basis of an employment contract. They will ultimately take over the tasks performed by the retiring employees.
- Scholarship program: this program provides for the future relationships with secondary technical schools and vocational schools of the 2nd degree specialized in railway professions. Last years' students who meet the required criteria will receive scholarships financed by PKP CARGO, and will be employed by the Company following completion of their education and acquisition of appropriate qualifications.
- Cooperation with the local employment offices: thanks to this program the candidates will acquire the basic qualifications required in connection with the work in the field of railway traffic management and safety, as well as in the maintenance-related positions.
The first two programs will be implemented in 2018.
Also, cooperation with the Polish Ministry of Education was started in 2017 in the area of reactivation of vocational education thanks to drafting new core curricula for the purposes of railway profession teaching.
Number of commenced internships and interns accepted in the Group in 2016-2017
|Number of started internships [units]
|Number of accepted interns [persons]
Source: Proprietary material
Training and Development
The rail transport industry and in particular the positions connected with the rail transport safety require ongoing updates of knowledge and skill training. Personnel's rights and qualifications are updated thanks to the obligatory character of training activities, such as periodic updates, tutorials, and examinations. Moreover, training in the form of e-learning is provided.
PKP CARGO Group aims to obtain the status of a learning organization, knowledge- and experience-based management and the use of various forms of professional development appropriate for the accomplishment of business goals.
In 2017, the Company continued activities aimed at professional development of employees by enabling their participation in post-graduate studies, organized in cooperation with the Association of Railway Employers (ZPK), embedded in the area of railway company operations. In addition, the management personnel participated in post-graduate MBA studies organized for employees employed with railway companies. This form of supporting the employees in developing their skills enjoys high recognition and interest among them, which is why we will continue cooperation with ZPK in this area next year.
Furthermore, seeing the large interest of employees and the organizational need, in 2017 a foreign language course in the form of individual and group classes was launched. As part of the course, the participants took classes with a teacher and were given access to a dedicated e-learning platform, thanks to which they could consolidate the acquired skills. In 2017, the course was carried out in the form of a pilot program which was positively evaluated upon completion. Therefore, next year we will continue development activities involving learning foreign languages, expanding the course to include more groups.
In previous years, support for foreign language learning consisted in subsidizing the costs of the course incurred by the employees, according to individual applications submitted with the Employers.
In 2017, to ensure occupational safety and health, work safety and first aid training was provided.
Knowledge sharing in the form of e-learning courses, developed entirely by the employees of the Company, was also continued.
The Company's employees participated in specialist trainings, in accordance with the reported needs. In 2017, the total number of training hours per person was 82 hours compare to 63 hours per person in 2016.
PKP CARGO S.A. enabled its employees to develop their education by participating in costs related to tuition fees, of which:
- 81% related to higher education, 19% to post-graduate studies
- 90% of employees using the support financing are employees employed in non-managerial positions, including 19% blue-collar workers
- 54% of employees using the support financing are men, and 46% are women.
Women's education in the PKP CARGO Group (as at 31 December 2017)
Women's education in the PKP CARGO Group (as at 31 December 2016)
Men's education in the PKP CARGO Group (as at 31 December 2017)
Men's education in the PKP CARGO Group (as at 31 December 2016)
Annual employee appraisal system
At the PKP CARGO S.A. Head Office, an annual employee appraisal system is in force, aiming to support business processes by shaping optimal personnel skills allowing for adaptation to the changing economic situation.
The appraisal system is based on precisely defined skills of key importance for the entire company, which an employee should possess. The foundation for the appraisal system was to be able to assess those skills, and – consequently – for the participants to be able to learn about their strengths and weaknesses and to build development plans taking into account the expectations of employees and the company.
In 2018, PKP CARGO S.A. plans to update the appraisal system. The new system will focus on building and shaping optimal skills, and the appraisal results will be the basis for planning employee development, training and other personnel decisions.
Social dialog and welfare benefits
Social dialog, trade unions
Social dialogue in PKP CARGO S.A. is based on the rules resulting from generally applicable legal regulations, Company-Level Collective Bargaining Agreement and agreements determining the mutual obligations of the parties to the social dialogue. The Company respects and improves the rules of cooperation of social partners, which is conducive to the implementation of modern, pro-development solutions to improve the Company's competitiveness and efficiency.
Formalizing the rules of cooperation with the trade unions through implementation of internal regulations, among which the key one is the Agreement on mutual undertakings of the parties to the Company Collective Bargaining Agreement for the employees employed by PKP CARGO units, concluded on 14 February 2005, has made it possible to sort out and improving the social dialog area. The systematic meetings following from the arrangements of the parties to the dialog, held separately on the Company and unit level, and mutual information of social partners about matters important for the employer and the crew, prevent conflicting situations and disputes, ensuring execution of business processes in a social peace environment. The functioning of the social dialog procedures is monitored and, depending on the assessment, modification of the joint provisions is proposed to the social side.
The employee representatives sitting on PKP CARGO corporate bodies, on the one hand creates a risk in the area of information security, but on the other hand has positive impact on the functioning of the Group. Being an important form of employee participation in the management process, it transfers some of the responsibility for the fate of the company to the social side, increases the level of the economic awareness of the staff and assessment of the possibility to satisfy trade union demands, if any.
Trade unions in the Group in 2016-2017
|Number of trade unions in the Group [items]
|Number of employees who are members of trade unions
|trade union membership percentage ratio
Source: Proprietary material
Social activity and travel benefits
The Company Social Benefits Fund (ZFŚS) has been created at PKP CARGO S.A., based on the rules following from generally applicable regulations and the Company's Collective Bargaining Agreement. The social activity is conducted separately by employers forming the Company on the basis of a given company's ZFŚS Regulations, taking into account the local needs and preferences of the staff. The Fund, depending on its capabilities, satisfies the living, social and cultural needs of the Company's employees and former employees. In particular, employees, old age and disability pensioners and members of their families are entitled to use the Company Social Benefits Fund.
Decisions on granting aid and its amount are taken by social committees consisting of the representatives of employers and company trade union organizations, guided by statutory criteria, i.e. the life, family and material situation of persons entitled to receive fund benefits.
The funds from the Company Social Benefits Fund are intended mainly for subsidizing holidays, self-arranged countryside holidays, trips, camps, winter camps, 'green schools', school trips, short-term rest, trekking trips, sports competitions, cultural and educational events, children's stay in a nursery, children's club or kindergarten, as well as sports club cards, thanks to which employees can use various sports and recreational activities. Aid is also provided in the form of in-kind and hardship benefits, which can be obtained by persons in a particularly difficult life situation. Eligible persons may also use loans for housing purposes.
In 2017, the Company has made a ZFŚS charge for 42,468 eligible persons, including 17,233 employees and 25,245 old age and disability pensioners, and the amount of benefits was similar to the previous year.
Employees and members of their families, as well as old age and disability pensioners are eligible for reduced travel services in the form of reduced tariffs in trains operated throughout the country. The cost of employees purchasing a reduced travel service for the second class is entirely covered by the employer. The benefits are offered pursuant to the Agreement on Reduced Travel Benefits between ZPK and carriers operating passenger railway transport of 27 November 2013 and the Company's internal regulations.
In 2017, a total of 28,507 of the aforementioned benefits were purchased, including:
- for employees – 13,429 (78%),
- for members of employees' families – 2,283,
- for old age and disability pensioners from the railway sector – 12,795.
Every year several hundred people (322 applications in 2016, 265 applications in 2017) decide to purchase an international ticket, which for a token fee allows them to travel around Europe and selected countries in Asia.
Establishing a Company Social Benefit Fund and managing its assets independently by the Group company employers, in cooperation with the crew representatives, creates optimum conditions for satisfying the social and welfare needs of the employee and former employees and their family members, guaranteeing that the support will be routed in accordance with the prevailing regulations and local needs and uniqueness of the unit.
The entitlements to discounted transport services are one of the basic, historically established non-salary stimuli for the Company's employees, that continues to play an important role in the process of recruitment and integration of employees with the company.
Safety of the work environment
A Social Labor Inspector (SIP) is a social function discharged by employees in order to ensure safe and healthy working conditions. Social Labor Inspectors support Employees by monitoring the place of work on a daily basis in the context of compliance with safety standards. Employees may contact directly Social Labor Inspectors in any case an Employee notifies a change or improvement necessary to ensure safe performance of duties. Ensuring safety at work is a common goal of Social Labor Inspectors, OHS and all Employees.
Number of accidents and accident ratio in the Group in 2016-2017
|Number of accidents at work [cases]
|Accident ratio [‰]
Źródło: Opracowanie własne
"POST-ACCIDENT PSYCHOLOGICAL SUPPORT for employees of train crews, other employees directly associated with conducting the rail traffic and rail traffic safety, and members of permanent rail commissions"
The Program provides the interested PKP CARGO employees with an opportunity to use the special hotline staffed by specialized psychologists, or a direct conversation with a psychologist, aid with health problems and private life issues, as well as participation in training devoted to coping with stress situations.
PKP CARGO S.A. received a distinction in the Second edition of the "Safety Culture in Rail Transport" contest organized by the Office of Rail Transport for "promoting the Post-Accident Psychological Support program as part of which comprehensive psychological support is provided to employees directly associated with conducting the rail traffic and rail traffic safety".
The purpose of the project is to increase rail traffic safety through psychological support of the human factor.
The project is carried out in all organizational units and covers more than 7000 employees. It is dedicated to members of train crews and other employees directly associated with conducting the rail traffic and rail traffic safety, and members of permanent rail commissions.
The project's main deliverables include:
- Psychological Support Hotline staffed by specialist psychologists. It is accessible to the key employees who are directly responsible for regulating rail traffic intensity. The hotline is free of charge for callers (toll free number) and offers a conversation with an experienced psychologist, help in occupational issues and daily life problems, confidentiality and security of conversation and, most importantly, no professional consequences for the caller.
- Meeting with a psychologist – in justified cases, during a telephone conversation with a Psychological Support Hotline specialist, one may make an appointment with a psychologist in the psychologist's office.
- Cascade training on psychological aspects of rail accidents – the area of psychological aspects of rail accidents, including Acute Stress Disorder (ASD) and Post-Traumatic Stress Disorder (PTSD). Training sessions on occupational stress were carried out during the periodic instructions in the period from July to December 2017. Training is conducted by internal trainers, i.e. the employees whose duties include conducting training for the employees working on the positions related directly to conducting rail traffic and rail traffic security, and coordinators of the teams of permanent rail commissions. The participants gave very high marks to the training for internal trainers. The average grade was 4.7 on the one-to-five scale. 99% of respondents would recommend the Post-Accident Psychological Support project to other persons and encourage to take advantage of such initiatives.
Positive feedback and recommendations of the employees who participated in the project were an important voice in supporting the decision to carry out the project in the long run.
Through performance of the Post-Accident Psychological Support project, PKP CARGO increases rail traffic safety. PKP CARGO received a distinction from the Office of Rail Transport in the second edition of the Safety Culture in Rail Transport Contest.
Number of training hours for employees of train crews, other employees directly associated with conducting the rail traffic and rail traffic safety, and members of permanent rail commissions
|Number of training hours during the year
|Number of training participants during the year
|Operator of rail vehicles on rail sidings, Traction vehicle operator, Traction vehicle operator assistant
|Operator of special rail vehicles which are not intended to move using their own propelling mechanism on actively used rail tracks
|Rail traffic controller
|Control room employee
|Train conductor
|Rolling stock auditor
|Shunting master
|Track supervisor
|Points operator
Source: Proprietary material
Ethics as an element of organizational culture
Code of Ethics
On 26 February 2018, the PKP CARGO S.A. Management Board adopted an updated version of the PKP CARGO S.A. Code of Ethics, which is one of the basic elements supporting the process of building and developing the organizational culture in the Company. The values and standards of conduct it contains are desirable in any organization. The main goal of the Code of Ethics is to recommend attitudes and rules of behavior during work, irrespective of the position held or the scope of duties. The Code of Ethics should serve as a guideline for the actions undertaken in the Company in relations with the Company's stakeholders, i.e. Employees, Clients, Suppliers, Competitors and with the social and natural environment. The Code of Ethics sets out the basic rules of conduct developed by the representatives of PKP CARGO S.A. with the participation of its employees and customers, such as reliability, cooperation, good management, safety, professionalism, modernity, transparency, responsibility and respect.
PKP CARGO S.A. employees may submit reports of breaches of the Code of Ethics directly to the Ethics Officer or by means of additional instruments, such as: a dedicated telephone line, e-mail address or mail box. An employee using this solution is guaranteed absolute anonymity, since these channels are operated by an external entity. The Ethics Officer guarantees social oversight over compliance with the Code of Ethics and anonymity of the reporting person during the entire procedure.
The Ethics Officer is supported in the Company's units by Value Leaders, i.e. individuals appointed by the director of the Company's Head Office department responsible for security, in consultation with directors of the Company's units. Value Leaders do not accept any reports of violation of the values set forth in the Code of Ethics. Their role is to support the Ethics Officer in promoting and improving awareness of the Code of Ethics.
PKP CARGO S.A.'s policy related to preventing corruption and bribery
As of 1 January 2018 the Decision of President of the PKP CARGO S.A. Management Board dated 31 October 2017 entitled "Procedure of Dealing with Corruption Risks in PKP CARGO S.A." entered into effect. This procedure regulates:
- manner of reporting cases of corruption or suspected corruption;
- registration of corruption events;
- dealing with identified cases of corruption;
- dealing with persons reporting cases of corruption;
- informing the Management Board about cases of corruption;
- reporting cases of corruption to law enforcement agencies and cooperation with such agencies;
- analyzing cases of corruption;
- preventing the recurrence of cases of corruption;
- cooperation with the stakeholders, partners, business partners and administration institutions;
- cooperation with PKP CARGO S.A.'s internal units.
The procedure applies to all PKP CARGO S.A. employees and persons sitting on the Management Board. In addition, the procedure regulates the status of the Whistleblower, as well as the gift acceptance and offering policy.
The anticorruption policy is implemented through the "Procedure for Dealing with Corruption Risks at PKP CARGO S.A."
To guarantee economic security it is recommended to conduct business interviews aimed at protecting PKP CARGO against loss of image and financial losses. Minimizing the risk through introduction of a Procedure for handling corruption risks and through introduction of the whistleblower status and appointment of a Compliance Officer responsible for clarifying irregularities. Whistleblowers may be both employees of PKP CARGO and persons/entities outside the Company which cooperate with it (customers, business partners, suppliers etc.).
Anti-mobbing policy
Given the statutory duty to counteract mobbing, resulting from the Labor Code, as well as in recognition of the need to combat all discriminatory practices and to ensure every employee's compliance with ethical principles, and to shape appropriate interpersonal relations in the work environment, PKP CARGO S.A. has implemented anti-mobbing policies. Based on internal regulations, a number of organizational, legal, informational and cultural activities have been implemented, creating the basis for the Company's internal anti-mobbing policy. The duty to counteract mobbing has been included in the labor bylaws in force at employers being members of PKP CARGO S.A. In all plants and at the Head Office, the Anti-mobbing Committees and Trustees have been appointed, thus creating conditions for the free and confidential lodging of complaints by any employees who believe they are being mobbed, or who have noticed signs of mobbing, and for subsequent efficient and objective examination of each of the notified cases and formulation of appropriate conclusions.
Further to continuous improvement of the Company's anti-mobbing procedures, special emphasis in the implementation
of anti-mobbing policy is placed on preventive actions, especially in the sphere of education and information, consisting in raising mobbing awareness and increasing the personnel's awareness in broader perspective, including ethical attitudes, organizational culture and conflict resolution skills preferred in the company.
This goal is achieved by, among other things:
- employee training, with special focus on managerial positions,
- providing employees with Intranet access to information on mobbing,
- highlighting the issue of mobbing-protection by the employer during occupational health and safety training,
- providing an e-mail address for reporting mobbing cases.
Depending on the assessment of the effectiveness of the solutions applied by the Company and current needs, the methods of counteracting the symptoms of mobbing and the preventive measures applied in this respect are constantly being developed..
The anti-mobbing regulations introduced create a foundation for the whole package of efforts aimed at minimizing the phenomenon of mobbing. Creating institutional grounds for fighting mobbing in the form of an employee-elected Trustee and Anti-mobbing Commission appointed by the decision of the President of the Management Board, combined with the activity of these bodies and oversight exercised by the Director of the HR Management Department, allows for efficient functioning of the complaint procedure and conducting effective prevention actions.

subset: commoncrawl


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Kim Kardashian's Louis Vuitton Instagram post on Wednesday was not a cryptic hint at her newborn's name.
The reality star took to Twitter on Thursday to clear the air, "NOPE! It was Kim Jones' last show and wanted to snap a LV pic," she wrote about her tribute to the Louis Vuitton Artistic Director, complimenting Naomi Campbell and Kate Moss who walked the runway. "How amazing did Naomi & Kate look?"
RELATED: Kim Kardashian Reveals Truth Behind Her Pregnancy Decision, Insists It's Not Been Easy Using A Gestational Carrier
The Internet spiraled into a frenzy Wednesday after the "Keeping Up With The Kardashians" star posted a photo of the Louis Vuitton logo to her Instagram.
RELATED: Kim Kardashian And Kanye West Welcome Baby Girl Via Surrogate
Fans of the beauty mogul immediately speculated this was Kardashian's way of announcing her newest daughter's name.
Kardashian, 37, and husband Kanye West, 40, welcomed a baby girl Monday.
"Elle V West," "LV West" and "Louis West" were popular guesses among commenters.
Kardashian, a big fan of the luxury brand, also shared a photo of Louis Vuitton monogrammed trash cans just weeks prior.
The youngest member of the Kardashian clan joins big sister North, 4, and brother Saint, 2.


text:
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text:
Position Your Startup for Early Profits
Your Startup Strategy Will Impact Profits for Years to Come
Knowing and overseeing the thousands of details required for a successful medical practice startup is not the only key to success. The key is to achieve the tasks in the proper sequence and to know which tasks are prerequisites for others. This helps keep your startup on schedule, avoids costly delays, and prevents you from delaying important decisions that impact profits.
The Real Cost of a DIY Practice Startup
It is really easy to become tempted by the idea of saving a few dollars with a do-it-yourself practice startup. It can be done, however, this often costs physicians tens of thousands of dollars in missed revenue over the first few years of their practice. For example:
- If you do not get credentialed with the right carriers, it can cause you to miss two additional new patients per day for the first three months, which translates to $300 per day, or up to $6,000 per month of missed revenue.
- With the right marketing plan, you might bring in three more patients per day for the first two or three years. Without it, you could cost yourself tens or even hundreds of thousands of dollars.
These examples are the price of relying on a standard practice startup checklist. Even the most comprehensive list can't convey the timing and order in which certain tasks must occur, nor can it convey the value that comes with the experience of having set up medical practices for physicians in just about every specialty.
A Proven System for Success
Our team has refined the process to help ensure a successful practice startup. We can help you in any stage of your startup, including:
- Conduct a feasibility study
- Determine parameters for facility size and location
- Evaluate and establish your site location
- Identify practice and financial objectives
- Assistance with securing financing
- Obtain credentialing and contracting
- Establish operations, compliance and HR procedures
- Assistance with your marketing plan and patient loyalty development
From Feasibility to Ribbon Cutting…
You can choose the level of service that provides what you need wherever you are in the process. Our medical practice startup professionals know what needs to be done and how to do it effectively and efficiently. We can even work with you after the initial medical practice startup to help keep you moving into higher levels of professional success. We have helped thousands of physicians in nearly every state across the country and look forward to serving you.
Talk with one of our startup experts today to learn how our team can help reduce the stress of opening a practice and how you can enjoy the personal and professional satisfaction that comes with venturing into this exciting stage of your career.


text:
Remember that guy, Alex Grenier?
Last season, he played in his first six career NHL games – failing to record a point in the process.
This fall, he was then waived, and subsequently reassigned to the AHL's Utica Comets. He's been there all season.
Now, he's back up.
The Recall
The Canucks are once again hit by the injury bug (really, when aren't they?), so they've brought Grenier back up from the AHL's Comets.
Drafted 90th overall in 2011, Grenier was a point-per-game player in his final year of QMJHL play with the Halifax Mooseheads, but he's taken a roundabout path to the pros. He went overseas to play for Austria's AC Salzburg before going pro in North America, due to the 2012 lockout, but then spent just four games in the AHL his rookie season; the rest of the time, he was in the ECHL.
Despite the rarity of ECHL skaters (goaltenders are a different story) hitting the NHL, Grenier worked his way up through the AHL and finally hit NHL ice last season. It wasn't enough to earn him a permanent spot on the team this year, but it was enough – coupled with his success in the AHL this year – to earn him a nod when the Canucks have a need for supplementary offense on the wing.
Standing at 6-foot-5 and 200 lbs, Grenier is a right winger with decent playmaking ability in the lower level pros.
The Impact
In all actuality, the recall of Grenier won't do a whole lot. Unless he's able to translate his success at the AHL level to the NHL game, he'll be a depth call-up for the Canucks.
Where this impacts more, really, is in Utica.
The Comets have been benefitting greatly from having Grenier full-time on the roster, as he's currently leading the team in scoring with 14 points in just 16 games. He's offensively their second-most efficient point producer behind Michael Chaput, counting players with ten or more games.
As a result, losing him hits the AHL club – particularly on their power-play, where he serves on the top unit as a heavy influencer.
The Game
The Canucks will take on the Dallas Stars this evening, deep in the heart of Texas.
They don't seem to be as bad as the rebuilding Coyotes, but the Canucks have been atrocious this year; much like in his NHL debut, it's a tough Vancouver roster for Grenier to be skating out with.
Puck drops at 7:30 PM CST, presumably with Grenier and without what's sounding like Sven Baertschi.


text: Healthiest Company Award Florida Health Care Plans has been named a Platinum level Healthiest Company Award winner again by the First Coast Worksite Wellness Council and the Mayors Fitness Council. FHCP is proud to offer high quality, innovative, and inclusive wellness programs to our employees so that they can live healthier, happier lives. We look forward to continuing and expanding our comprehensive employee wellness program and to the future success stories of our employees. Categories: Health & Wellness, Featured News, In The Community Previous Post | Next Post


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A few reasons for this. Deloitte, Microsoft, KPMG were first in the row to have their new offices at the airport. For their meetings with a lot of foreign guests they don't have to drive to the big city or to other cities. They can stay now on the airport and depart from there again to not loose any time.sn26567 wrote: ↑06 Sep 2019, 23:59It's a pity to see offices (which do absolutely not need to be close to the terminal) take the place of parking lots: car drivers need to be as close as possible to the terminal. This is also the case for the recently built office buildings which take valuable space that could better have been dedicated to passenger needs.
Employees of Deloitte and KPMG have their own parking space under their buildings. The majority of the employees have their parking space at Brucargo. Shuttle service is arranged for them. So they don't take too much other parking space.
Of course for those companies and the future ones, it is also kind of a prestige.
Second issue. Brussels Airport wants to stimulate public transport. In a couple of years it has to grow to 50%. More people with train, bus, tram and bike to the airport. Less emissions also
Third reason is the congestion of the Brussels highway. That's why at Brucargo a huge car park will be build, this for people who are coming from the North and West side, E19
On the South side a few car parks will be build for people who are coming from the South, E40. This when they receive green light for this extra road from the E40
All are connected with a very fast airport shuttle. Check in of baggage and yourself will be also possible from those car parks
Change of mentality, but will be much better


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The Brand
MBM The Brand is an Atlanta based company, created by an eightteen year old female.
"I have always had the dream of creating a business, however it has taken all courage up until late 2017 to pursue my dreams. All of the products listed I have helped create with the greatest minds and the best materials - all for affordable prices withholding quality. I appreciate all the love and support as I am sharing my ideas with you". - Imani Mykel


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Boring is the New Special
One of my mantras is "Give me a random Tuesday over a holiday any day." Which is a grammatically strange mantra, now that I think of it because you can't really have a Tuesday any day; it has to happen on — well — a Tuesday.
What I mean by that is that "normal" suits me. "Special" is less compelling. And a corollary of that is that normal can be special. Simply because it's so normal. Or it's glorious in its normalcy.
I read something today that helped me see that I have always enjoyed the mundane, and not just enjoyed it but embraced it. Actually I'm a sucker for anything boring. So imagine my delight when I found out that just last month, in London, there was a conference called "Boring 2010." You can read more about it in The Independent. I'd love to meet James Ward, its founder. That's my kind of mind, a celebrator of boring!
There were topics at this conference that ranged from the exploration of whether milk tasted different based on where it was purchased, how to organize and display one's ties, the beauty of parking garages, and that perennially favorite topic, sneezing (one presenter has spent three years cataloguing all his sneezes).
I'm reminded of the play, The Nerd, by the late Larry Shue. It's one of my all-time favorites. Do you know Shue's work? In it there is an attempt to run off a particularly unwelcome houseguest by playing a game of "watch the apple core turn brown," the most boring activity that can be imagined, even in Terre Haute, Indiana, a town that symbolizes stagnation, according to the playwright.
And I'm reminded of one of my favorite movies, True Stories, in which the brilliant David Byrne (one of my heroes, not a boring man) celebrates a generic Texas town, Virgil, with a "Celebration of Specialness," replete with a parade featuring lawnmowers, baby strollers and Shriners driving tiny cars. With its quirky look at ordinariness, this is the movie that most speaks for my love of the mundane. See it! You don't want to miss such lines as "They're calling it a celebration of specialness. But this place is completely normal," and "Do you run out of Kleenex, paper towels and toilet paper at the same time? You know it's true!"
And I'm reminded of how many times I've suggested to engaged couples, flush in the "romantic weekend" phase of their relationships, that they should wander a town with a reputation for being boring, forcing themselves to walk into every last business establishment (silk flower emporium, auto parts store, meagerly supplied office supply store) and be sure that their relationship can survive normal life, the reality check of symbolically boring places and days. It's an important test.
Watching apple cores turn brown, counting our sneezes, having a parade to celebrate the specialness of a not very special place, wandering small-town sidewalks, sitting around on a random Tuesday… these are guilty pleasures of the simple-minded or simplicity-minded among us.
In a world that's gone mad with non-stop multi-channel stimulation, sound bytes, noise pollution and options, options, options, I'm putting in a plug for the beauty of "boring."


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My Rating: 9.5/10
Genuine ballad 😦
Title: I Don't Like Love
Artist: Xiah Junsu (XIA)
Songwritter & Composer : Jun Hae Sung
Distributor: A&G Modes
Release date: 2012.05.11
Language: Korean
Bitrate : 192 Kbps
Total Size: 5 MB
1. 사랑이 싫다구요 (I Don't Like Love)
The reason why I decrease 0.5 point out of 10/10 is because this song hurts me TT__TT
How to explain this. I am totally overhelmed by various feeling after the first time listening. The way of that piano breezing makes me can't breathe. 😦
I heard that Junsu also wiped tears while recording this. No wonder, so deep emotion was burried into this song. He flaunted true beautiful vocals, accomplished that he's a true beautiful vocalist Korea ever had.
Eventhough this is released to support Yoochun's current drama "Rooftop Prince", but I do think about Junsu rather than that drama. I admit I follow that drama episode by episode, the storyline grow well, but I can't explain, I do think about a deep feeling over this ballad. Seriously, Junsu made such a genuine emotion breaker.
credits: http://asiafolder.blogspot.com


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Atlanta United FC has made it to the playoffs! The Five Stripes will play a Knockout Round this week in Atlanta, in their ultimate quest for the MLS Cup. Atlanta United became the first MLS expansion club since 2009 to qualify for the playoffs in its inaugural year, finishing with 55 points! Don't miss the Atlanta United FC Playoffs at Mercedes-Benz Stadium!
Atlanta United Playoffs: Knockout Round
Atlanta United FC vs. Columbus Crew- Thursday, October 26, 7:00 PM
The first round of MLS playoffs is a one-round knockout game. Atlanta United will host Columbus Crew in the first round. The teams have faced off three times this season already, with Atlanta coming out on top twice.
Additional teams facing a knockout round are:
- Vancouver Whitecaps vs. San Jose Earthquakes
- Chicago Fire vs. New York Red Bulls
- Houston Dynamo vs. Sporting Kansas City
If Atlanta United defeats Columbus Crew in the Knockout Round, the team will head to the Eastern Conference Semi-Finals!
Atlanta United Playoffs: Eastern Conference Rounds
October 29-31
The top teams in each conference are granted a bye week during the Knockout Round. Winners of the Knockout Round go on the play these top teams in the Eastern Conference Semi-Finals. Atlanta United FC's possible opponents are Toronto FC or New York City FC, depending on which teams advance. Toronto FC will play the lowest seed to advance from Knockout Round, while New York City FC will play the highest seed to advance from Knockout Round.
The Conference Rounds are a two-game series, with the final winner heading to the MLS Cup to battle the Western Conference Finalist. The top teams from the Western Conference are the Portland Timbers and the Seattle Sounders, who will also have to prove their worth against the Knockout Round Champions.
Playoffs at Mercedes-Benz Stadium
Having a better record than Columbus Crew has earned Atlanta United FC home-field advantage for their first playoff game. This gives Atlanta a certain edge, as Five Stripes fans can get rowdy! Fans recently set an attendance record, with 71,874 at the game on October 22nd. This broke their own record by 1,450! This Thursday, the stadium will be maxed out yet again with excited fans, hoping for an Atlanta victory!
Need tickets for Atlanta United FC Playoffs? Front Row Seats has you covered! Be sure to purchase your tickets ahead of time, as the best seats sell out quickly! Don't miss the opportunity to see Atlanta United FC make history in the MLS Playoffs!


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101 Year Old Rescued A Week After Nepal Quake
- Publish Date
- Monday, 4 May 2015, 11:07AM
Rescuers have pulled a 101-year-old man alive from his ruined home a week after Nepal's earthquake claimed at least 7200 lives, as the government warned the death toll would climb "much higher".
Funchu Tamang was rescued on Saturday from the rubble of his house with only minor injuries to his ankle and hand, after the quake ripped through the impoverished country on April 25.
"He was brought to the district hospital in a helicopter. His condition is stable," police officer Arun Kumar Singh told AFP from Nuwakot district, around 80 kilometres (50 miles) northwest of Kathmandu.
Image from independent.co.uk
The rescue was rare good news for the devastated country after officials on Saturday ruled out finding more survivors buried in the ruins and the focus shifted to trying to deliver aid to thousands of people in remote Himalayan areas.
Finance Minister Ram Sharan Mahat said the death toll was likely to jump once relief teams reach mountain villages flattened in the worst quake to hit the nation in more than 80 years.
"There are still villages where we know that all houses have been destroyed, but have not yet been able to reach," Mahat said in a statement.
"The aftershocks have not receded and we expect the final casualty numbers to climb much higher," the minister said, as he appealed for hundreds of millions of dollars in foreign donations to help rebuild the country.
The 7.8-magnitude quake wreaked a trail of death and destruction, reducing much of the capital Kathmandu to rubble and triggering a deadly avalanche on Mount Everest.
In the worst-hit districts of Gorkha and Sindhupalchowk, almost 90 per cent of the mostly stone and mud homes have been destroyed, the United Nations said in its latest situation report.
"Our priority now is really to try to reach those people (in remote areas), get immediate assistance to them," the UN's head of humanitarian affairs Valerie Amos said.
The relief effort received a boost late Sunday when a United States Air Force C-17 aircraft and four tilt-rotor Ospreys landed in Kathmandu.
"They're going to make an immediate difference," US Brigadier General Paul Kennedy said.
"We've got search and rescue teams waiting to go out to the remote areas, we've got relief supplies, especially shelters. Most people don't understand that a shelter is the most pressing need, so we're going to take these things out starting tomorrow morning," he added.
International planes loaded with relief supplies have poured into landlocked Nepal, but there have been numerous reports of many getting stuck at Kathmandu's small airport, and customs officials stopping trucks filled with aid from neighbouring India.
Tribhuvan International Airport has also been closed to heavy planes over concern about the condition of the single runway after the quake and a series of strong aftershocks, said Birendra Prasad Shrestha, the airport's manager.
"We have issued a notice saying that aircraft with a total weight exceeding 196 tonnes will not be allowed to land at Kathmandu airport," Shrestha told AFP.
"There are no visible cracks in the runway but there have been so many tremors recently that we have to take precautions - we don't know what's happening below the surface."
The death toll from the disaster has hit 7250, according to the Emergency Operations Centre, with more than 14,000 injured. More than 100 were also killed in India and China.
Fifty-one bodies, including those of six foreigners, have been found in the popular Langtang trekking region hit by a quake-triggered avalanche.
"We estimate that about 100 foreigners might still be missing in the area," senior local official Uddav Prasad Bhattarai said.
"Our priority was to get the survivors out. We rescued over 350 people, about a half of them were tourists or guides," he told AFP in Rasuwa district that includes Langtang, north of Kathmandu.
Climbing firms Sunday called off their Everest spring expeditions, after the quake-triggered avalanche killed 18 on the world's highest peak.


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Mark Twain popularized the phrase, "There's gold in them thar hills," when he wrote about the gold rush of 1849. Today, the gold lies not in the hills of California, but within crypto mining servers dispersed across the Internet. This new gold is not mined by the power of the pick and shovel, or even dynamite. Instead, computer processors power the mining operations that create this digital gold. Welcome to the modern day gold rush of today's digital age.
Today's gold rush is all about cryptocurrency, and while many people may not completely understand what it is or how it is produced, many heard that some people are making a lot of money with it. The most recognized and highly touted cryptocurrency is Bitcoin, which from a value of less than $800 at the start of 2017, is currently trading above $16,000, and could hit $17,000 by the time this blog post is finished. Whether at the company water cooler or the hip evening cocktail party, people are buzzing about the money that is being made. As the pundits on network news shows debate whether cryptocurrency will ever become a true currency, ordinary people are scrambling to learn more about how to get their share in this cyber coin frenzy.
Cryptocurrencies are supported by blockchain technology that consists of blocks containing transaction data that forms a public ledger. This blockchain ledger is an open way to record transactions between two parties in an efficient, verifiable and permanent manner. These blockchains are created by "miners," using powerful computer systems to record and verify these transactions. In exchange for creating and managing the ledgers, miners get a share of the cryptocurrencies they mine. The problem is that due to the popularity of bitcoin and other currencies, it takes a lot more processing power to mine the digital currency than it used to. The required hardware in fact is extremely expensive today, and that is where we get into the more sinister side of mining cryptocurrency.
Cybersecurity Threat: Cryptocurrency Mining Malware
Many modern day prospectors of cryptocurrency are looking for miners to help mine the digital gold. In fact, you yourself may be an unwilling, yet unsuspecting culprit, and not even know it. That is because your computer may be silently mining cryptocurrency for a remote hacker at the expense of decreased performance and added latency. By hiding stealthy software in sites that you visit, cybercriminals have found a way to exploit your device's CPU to mine coins of cyber cash. It is the latest threat on the cyber landscape that we must all worry about - cryptocurrency mining malware.
It might be difficult to say five times fast but the concept of how it works is simple. A hacker finds a way to deposit malware onto your computer. Once infected, the malware begins using the CPU and memory resources of its hardware host to help collectively mine the type of cryptocurrency it was designed for. Check Point Security ranks two types of CMM in their monthly list of Top 10 Malware Threats in November. They also report that these malware types can consume as much as 65% of your local processing power. An IBM security team reports that cryptocurrency mining attacks have increased by over 600% this year while Kaspersky Lab reports to have found the mining menace on 1.6 million client computers.
The entire issue of cryptocurrency mining malware is a gray area that society will have to address. The creators of these software mining initiation applications argue that their efforts are no different than those sites that mine data from us based on our browsing history and location. In summary, there's more than just gold in them thar hills, there is malware too. Make sure your multilayered cybersecurity solution can counter this new menace. For quick answers, read our infographic, "Top 5 Security Threats and Smart Moves," created by a trusted technology partner.


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Attaining 90 degrees North, the North Pole, has been a quest from around the 16th century to the present. Fergus Fleming's rip-roaring book recounts the efforts made from the mid-19th century to the present, in a wonderfully readable and entertaining style. Whether by sea, sledge or air, and attempted by British, American, German, Austro-Hungarian or Norwegian explorers, the details of each campaign reveal new insights into the arctic environment and human endurance.
Barrow's Boys and Killing Dragons garnered reviews including:
'This is travel history of the best kind: entertaining, informed and opionated' Sunday Times
'Absolutely gripping ... part thriller, part black comedy' Ian Hislop
Fergus Fleming is a freelance writer living in London and Gloucestershire.
'Barrow's Boys, Fergus Fleming's history of British exploration in the first half of the 19th century was an excellent book. Ninety Degrees North...is an even better one' Sunday Telegraph 'This is the sort of book you want to read in front of a blazing fire. It is immensely enjoyable' Daily Telegraph 'Fleming gives us a wonderful story, and tells it exceptionally well' Guardian 'Fleming's is among the best of the [ice] books.... All the great stories are here!' Robert Macfarlane, The Observer 'Travel history at its brilliant best. Best-selling author Fergus Fleming has produced a masterly tale of the race to reach the northern most point of the globe' Irish Independent 'A vividly frostbitten account. The reading, in a warm room, is great fun' The Independent


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Type: Offering Category: Apartment For: Sale
Price: Contact advertiser
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Events articles and reviews
The France Show at London Olympia on 27-29 January 2017
From 27/01/2017 at 10:00 to 29/01/2017 at 16:00
A fantastic French day out in the heart of London.
The France Show returns to Olympia Central - the place to be for a flavour of France in January!
Enjoy cookery demonstrations from French chefs, listen to best-selling authors, play a game of pétanque, watch the can can dancers delight the crowds and visit the French market selling delicious produce from local cheeses to crêpes, patisseries to confectionery and gifts. Brush up on your wine-tasking skills at the tutored tastings from Bordeaux Wines and visit the Language and Travel Forum to for tips on learning French or holiday ideas.
Thinking of buying a property in France? The France Show is home to the UK's largest French Property Exhibition where you can browse from thousands of properties for sale throughout all regions and for all budgets. Don't forget to attend the free seminars to get the lowdown from the experts offering advice on all aspects of purchasing a property in France.
It really is the best of France in a day!
27-29 January 2017
Opening hours:
Friday: 10am – 5pm
Saturday: 10am – 5pm
Sunday: 10am - 4pm
For more information and to sign up to the e-newsletter for regular updates on the show, visit www.thefranceshow.com
Event's details
- Where: Olympia Exhibition Centre, Hammersmith Road
- Age group: Everyone
- Price: £12.00 in advance
- Website: http://www.thefranceshow.com
24/01/2017 - laurencechat said :
J'adore the France Show :) J'y vais toujours avec un / une amie.....
A bientot!
Laurence xx
19/11/2016 - jpautonn said :
I love this event and would like to go again!
02/11/2016 - poetsimon said : mark
I have attended the French Show for the last two years and loved every minute, especially the cancan dancing! With the food & wine a close second) I would love to attend again this year and bring some friends from my Advanced French speaking class in MK. And there are ten students in my class plus La Prof! So here is hoping I am lucky in the draw... J'ai bonne chance? Qui/Non ? Merci a tous A bientot Simon I
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london, e-change, kings place, yoghurt, interview, Tom McCarthy, socialists, event, Sport, religion, fromage frais, chanteroy, la Trouvaille, Gabrielle, Financial aid, Culture, La haine, Charlotte Gainsbourg, london, cinema, Paxton & Whitfield, Amarcord, London Fashion Week, Catering services,


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Wow, I got an "R" Rating!! Cool!!
I found this here.
Maybe it's a sign of a totally warped mind but I think it's hilarious that I got an "R" rating because I said "abortion" 3 times, "sex" 2 times and "shit" once. Gee, I wonder which of those words put me over the line in the rating system.
I've been meaning to post for a while now but have just been busy. I had a post all thought up for father's day about my dad, but even after all this time (he passed away 19 years ago), my thoughts and feelings about him are too complicated and I wasn't up to posting it all. I will soon though, promise.
D. had a wonderful father's day though. I surprised him with a new Nikon D40 camera that he's had his eye on for a while and baked him a cherry pie. He loved them both. A. spent the day down at his father's house and I'm glad for them both. They don't always see eye to eye but at least they have a relationship. Makes me glad that I kept insisting that A go with his father on those weekends when he was in middle school and hated me for making him go. I always said that if he grew up and chose not to have a relationship with his father, it wouldn't be because of anything I did or said. I'm glad I put my personal feelings aside and stuck to that.
Anyway, I'll post again soon. Have a great weekend everyone. (If anyone is still reading this).


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The Broad Center relies on our alumni advisory board to bring real-world perspectives to the programs and initiatives we offer. Members serve rotating two-year terms and give generously of their time to help us provide the support our network members need to create lasting impact for students.
Our current Alumni Advisory Board members are:
- Heather Y. Anichini, chief executive officer, The Chicago Public Education Fund
- Andrea Castaneda, chief innovation officer, Tulsa Public Schools
- Cristina de Jesus, president and chief executive officer, Green Dot Public Schools California
- Kriste Dragon, chief executive officer, Citizens of the World Charter Schools
- Josh Drake, senior director, Personalized Learning and Achievement, Rocketship Education
- Vincent Harris, chief of continuous improvement, Sacramento Unified School District
- Lin Johnson III, deputy superintendent, Shelby County Schools
- Jeff Kang, independent education consultant
- Derek Little, assistant superintendent, Early Childhood, Dallas Independent School District
- Beth Sutkus Thompson, chief executive officer, KIPP Bay Area Schools


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OK, I confess that before I write this article, I did not know these medical terms myself. But I think this is a great start that we can learn something about our bodies together. Only with the right knowledge can we stay healthy and look radiant.
Here is a breast anatomy picture, as you can see, the principle unit in our breasts is mammary gland, whose main duty is to produce breast milk to feed infant during breast-feeding stage. The ductile drains the milk from the gland and transports it to a bigger tube called duct. Eventually, all the ducts converge and open on to the surface of nipple, which is surrounded by darker skin called Areola. Additionally, the breast is also composed of fat, connective tissue (collagen, elastin) and supporting ligament. Specifically, the skin and supporting tissues help to attach our breasts to the muscles of the chest wall underneath our breasts.
Overall, you can see that our breasts are an external organ and do not contain bone or muscle. As such, comparing to other organs, our breasts are more subject to gravity.
With a thorough understanding of our breasts, we can better diagnosis ourselves such as routine self-exam and protect our breasts from external forces. No matter how busy we get, never skip a couple minutes each day to observe our breasts and body. And I think it pays back in the long run.
Comments 1
This is a very good article, has given me a lot of things about my body


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Covered bonds are to be offered to US retail and secondary
investors for the first time, following a Securities &
Exchange Commission (SEC)
no-action letter sent to Royal Bank of Canada (RBC) on May
RBC's $12 billion cross-border covered bond
offering are the first to be registered with the SEC, under the
US Securities Act. They are also distinctive in using as
collateral underlying mortgages which are not insured by Canada
Mortgage and Housing Corporation (CMHC) unlike covered bonds
issued by most other banks.
Covered bond issuances are carried out on a contractual
basis in Canada, with banks selling underlying mortgage loans
to a subsidiary special purpose vehicle (SPV) that guarantees
the bonds. Both the guarantee and the bond have to be
registered with the SEC under the Securities Act, making it
difficult to rely on shelf registration as a foreign private
issuer under form F-3.
A Canadian bank that has issued securities in the US can
qualify for shelf registration but an SPV guarantor cannot
because it is not a wholly-owned subsidiary of the bank and has
not been reporting annual and quarterly reports with the SEC
under form F-1. This is why a no-action letter was needed.
Issuers were initially put off by the amount of time and
expense involved in getting a no-action letter, with a lot of
uncertainty as to whether or not it would be successful.
But Lawton Camp, a partner with Allen & Overy who acted
for the underwriters, said RBC was willing to put in the time
to get it done.
Jerry Marlatt, a partner with Morrison & Foerster who
represented RBC in the
registration of the securities said selling covered bonds
was similar to selling medium term notes. "You take advantage
of market opportunities and you come to market as quickly as
you can," he said.
The SEC allowed shelf registration for the guarantor under
the condition that the guarantor provide monthly reports to
investors and annual reports to the SEC. While the disclosure
requirements are similar to those of asset backed securities
under regulation AB, the SEC made it clear the covered bonds
are not to be considered asset backed securities.
"The SEC took the view that a covered bond is a package of a
bond and a guarantee that was half way in between a corporate
bond and an asset backed security," Marlatt said. "What
they've done is try to put together a set of
disclosure guidelines that cover this hybrid kind of
The cover pool of mortgage loans acts as the covered bond
collateral and secures the SPV's guarantee. This
means covered bond investors are not subject to default risk on
the mortgages.
"That's why it's not like asset
backed securities," Marlatt said. "Collections on the mortgage
loans don't go to pay investors; instead the
collections are used to buy new mortgage loans to replace the
ones they are paying down."
It is hoped the deal will prompt more Canadian covered bond
Camp believed issuers that currently file on form F-3 would
be the first movers. "If the market starts to move towards
having a clear prejudice for those deals that are registered, I
expect others will feel the need to follow," he said.
There is not yet a legislative framework governing Canadian
covered bond issuances. But Canadian Parliament recent proposed
a legal framework for covered bonds, which would also restrict
the use of insured mortgages as collateral. If enacted,
Canadian banks will have to set up new covered bond programs.
Excess demand and a flurry of bank exits could follow.
Canadian banks are therefore expected to view this offering
as a model in the use of uninsured mortgages as underlying
"It is expected that in Canada most of the CMHC insured
programs will go into wind-down mode," Camp said. "New programs
will be established with assets that are not CMHC insured."
Until now all covered bond offerings in the US have relied
on a registration exemption under Rule 144a of the Securities
Act. Rule 144a covered bonds can only be sold to qualified
institutional buyers.
Marlatt said the market for covered bonds in the US issued
under rule 144A is beginning to tap out because there are only
so many qualified institutional investors and some of them have
a limited capacity to buy unregistered 144A securities.
"It's a lot of work, a lot of time and
dedication. It makes less sense when the market is just
starting. The more mature the market gets the more sense it
makes [to register covered bonds with the SEC.]"
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The truth is, other than our "newbies" there is very little I have to do to motivate the kids to read, as they LOVE the library and it has always been something I could use as a reward with the boys. I had already discovered one key to getting Olesya to read more, and that was to find books about dogs or other animals. But Angela is another story. I have seen her read in Russian, but the truth is most books are far too babyish for her while Olesya is still on the edge of enjoying them (other than Curious George...but then, hey, who could ever resist George???). We have read just about every George book there is, and Angela would stand in the library trying hard to be patient while the rest of us are wallowing in Book Heaven. Stickers and books won't work for her....what would?
Ahhh...I suddenly had an idea pop in my head! A contest? Good old fashioned competition against no one but themselves! A goal!
So I issued a challenge with no reward at all other than bragging rights. And guess what worked? Hahaha!
For every book the kids read this summer, they get a link on a paper chain. Each kid has their own color so we can look at the chain and see visually who is reading a lot. The kicker? They have to read enough books to take our chain from our front door all the way to our mailbox, which is about a quarter mile away. We made one exception, for Matthew and chapter books we will give him a link for every 25 pages read, since it is hardly fair to have him read 200 pages or so and have the other kids slam out many picture books in an afternoon. We all felt that was fair.
Olesya came home and started jamming...read 12 books the first 2 days and is carrying around her little post it note to record them on! Kenny and Josh also blew out a ton of books! Olesya's reading has already vastly improved just in this short 1 week, and I am thrilled. Angela didn't quite get caught up in the reading fever...until we put together the first part of the chain and she saw very little on there for her. That didn't sit well, and suddenly my non-reader decided it was time to go all Emeril on us and "Bam!" she started reading books too! We discovered the Junie B. Jones series which had her cracking up, and is a harder 2nd gradish chapter book and today she grabbed 4 off the library shelf today. She'll work hard at a page, then I'll read a couple, then she will read an entire page, then it is my turn. That way we keep the story moving along, and she still gets in some strong reading practice. She also wants higher numbers of books read so she is now going back to the easier readers (which I want her to read for increased fluency) and racking them up right and left.
Got ya! Hahaha! You can NEVER outsmart good ol' Mom!!
We had Kenny take some online tests with his new school and discovered much to our delight (and yet it is what I suspected) that his comprehension is at 4th grade level, but his reading speed is between 30 and 60 words per minute, depending upon the testing source. So...he may read slower than molasses but he gets what he reads. We need to double or triple that speed. We were working on reinforcing 1st grade sight words yesterday and he misspelled works like "let", "where" and "after"...sometimes so way off base I couldn't figure out where he was coming from. I discovered when I narrowed his input by making him close his eyes and focus solely on the sounds I was making, he did much better. So, we are going to work on having him shut out other input and try and train his brain to isolate sounds and words more easily. I also am beginning to train MYSELF in learning how best to work with him, and recognizing his need for more visual, hands on learning and issued with understanding too much verbal input, I tried something new yesterday as well.
He came to a math problem where there were 13 cookies and you had to divide them in half equally. Instead of beating my head against a wall as we have in the past by offering verbal explanations, I had him go get a piece of paper and cut it into 13 parts. He laid it out before him, sorted 6 and 6, and within half a second easily got it that he needed to have 6 1/2 for each side so it would be equal. Prior I would have spent 10 minutes trying to lead him to "see" the answer with verbal instruction, and I saved myself and he a whole lot of instruction. This will NOT be easy for me to teach this way naturally, as I am NOT a visual learner most of the time and prefer written or verbal instructions. I guess we all will have a lot of learning to do this summer.
See that large tree WAYYYYYYYY off in the distance on the right side of the photo? The kids have to go down our driveway and down the road...no cutting across yards! Think they can make it??? Once Angela "got into it", she said "More Mama...More!"...I would be stunned with just this far :-)
Eyeballing it before giving it a test run outside...even this was a lot of books read for just 2 days!
Oh man...they have a VERY long way to go! But you know Team LaJoy, I would never, ever lay bets against them. If they manage to do this, it will be an extraordinary accomplishment and something they can be very proud of. If they make it I have promised we can take the chain into the library to show our librarians what they did.


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The Feeling Side
What prompts me to compose a painting a certain way. Apart from artistic considerations, what are the psychological reasons behind my decisions?
I was reading the latest from Untitled (the NCMA's blog) on artist Junius Brutus Stearns and it got me to thinking on this question. They are varied I think–the reasons–some are there in every work and some more specific to a particular piece or time in my life. Many of my pieces are of lone objects–like Green Boat & Sea or Adirondack With Brown Shadow–because of my emotional makeup. If I were to try and identify it better I would say it has to do with my feelings about the nature of life and the human condition. Then, some pieces are primarily composed for esthetic value, to create depth and interest, as in my painting entitled Wharf.
Works can become more personal when figures are introduced into the composition. My painting of my daughter Young Girl Facing The Ocean (destroyed because I wasn't happy with the legs) reminds me of Stearn's Watering The Horses. What does it mean when one places the figure facing away? Is it about reflection, does it indicate the artist's desire to delve into the psyche of man? I think so. Facing away, I believe, is synonymous with said reflection, indicates the artist's desire to respond to, not only the subject's but, his own feelings about life. The soul of the artist finds it's way of expressing and the means are quite universal—as the meaning of certain colors and of shapes are universally held. Incidentally, if Stearn had placed the horses facing forward, and kept himself as is, I don't think there would be the same impact on the viewer, it would seem more literary than psychological.
"this is what I want to portray in my work … emotion and reason, but I want to ere on the feeling side"
As well as showing the psyche of the artist, depicting reality requires feeling something about what you are doing, about the subject and about the moment you are in. This has been an emphasis for me lately in my thoughts, the balance between reason and feeling, between material and spiritual. The working of the mind is based in these dual realities, so to attempt only one emphasis does not imitate life. Paradoxically, intellect does not function very well without an emotive guide. I think this is what I want to portray in my work, in general, emotion and reason, but I want to ere on the feeling side.
Image: Young Girl Facing The Ocean (destroyed) 20×20 acrylic on canvas MTMcClanahan


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According to Frank Seravalli of TSN, the Leafs have "kicked tires" on Luke Glendening again and it's such a stupid idea.
Mentioned in his latest Trade Bait post, Seravalli does not go into too much detail, but he is clearly a Babcock favourite and someone he's familiar with. Glendening was in Detroit with Babcock for a total of two years and saw his TOI increase as a clutchy, gritty, heavy forward. All that bullshit.
Not even mentioning that Glendening carries a $1.8M cap hit for two more seasons after this one, he is just such a bad player.
Eight goals and ten assists this season, but he is playing almost 16 minutes on average – the highest of his NHL career. He also has the worst 5v5 CF% (42.65) among all Red Wings forwards and they are one of the most out-shot teams in the league. The only reason he has any points is because of his insane 105.4 PDO, the puck is just always going the right way for him this season but regression is inevitable.
Also, the Leafs already have a better, younger, less expensive, fourth-line center in Frederik Gauthier. A cult hero for this team, Gauthier has certainly surprised a lot of people with his "being an actual NHL-level forward" ability.
To acquire just a "culture guy" for the playoffs is asinine. He sucks shit when he's on the ice and can solely cause some devastating loses. For all of those intangibles, he hasn't even won a cup – that's usually the bare minimum for a character-type player.
Rumoured in the post is also the price.
"Last year, the asking price from the Red Wings was believed to be a second-round pick, a price that was too rich for then-GM Lou Lamoriello's blood.
This year, that price would seem to be the starting point, given that older rental Boyle – who has not scored in his last two playoff runs – fetched a second-round pick from Nashville earlier this week."
To pay a second-round pick for Glendening would be absolutely baffling. Giving up anything for a player of his ilk is bad no matter what. He doesn't do anything that can win you hockey games, which is the whole point I think.


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If you happen to be in New York City, hop on the train and get over to Penumbra Foundation (36 E. 30th Street) before 7 PM, when the latest installment of their Artist Series continues with Aspen Mays. The Series provides a unique opportunity to engage with photographers, lecturers, and scholars in an intimate setting as they discuss their work and process. Slated to speak throughout the fall are: An-My Lê, Sarah Palmer, Meghann Riepenhoff, Suné Woods, and Milagros de la Torre.
Please click here for details on tonight's talk and upcoming dates and presenters.
Photo credit: Aspen Mays


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Recently, I have been researching a lot about Chinese culture, which has an interesting history. As I have done my research, I came across Pennyworth or Gotu Kola. Here are some of the interesting facts that amazed me. Pennywort is a common name for several different plants with round leaves and a low-growing habitat. Pennywort…Read More
Tonic – The compliment to Gin or Medicine
If I told you that gin and tonic is one of the most popular drinks I'm guessing you wouldn't be surprised! Gin has been on the rise amongst bartenders and public for last decade. Heads up though, this article is not about gin but the tonic water. Through several of my projects I have realised…Read More
Cymbopogon – The Lemon Scented Grass
It is a well known fact, that modern human beings associate many raw ingredients such as wheat, grass, herbs, spices, fruits mainly with culinary use, however their usage is wider than that. We also like to create nicknames for our ease and one such example of this is Cymbopogon which is better known as a…Read More
Prune – The Dried Plum
As a little boy, I remember climbing plum trees by the roadside and harvesting the over ripe plums for my father and uncles to create their guilty pleasure "Slivovitz". However at that time, I had no idea that plums could be dried and served as a snack or preserved that way, as it was simply…Read More
Citron – One of the original Citrus fruits
As a bartender living in Asia I faced the challenge of lemons being fairly expensive for citrus style cocktails. So, of course I did my research about other citrus fruits that could be used to replace a lemon. I found a citrus fruit called citron, which is one of the original citrus fruits together with…Read More
Lychee – The fruit with crocodile skin
Lychee happens to be a nightmare ingredient to work with for cocktail bartenders but also a favourite of cocktail drinkers. I was highly against this fruit until I tried it fresh and now I'm quite happy to say "one Lychee Martini please". Let's take a closer look at this fruit. The origin of the fruit…Read More
Kaoling – A Wine with the Strength of Vodka
It has been a few weeks since I came back from Taiwan and several things bring back memories from the trip again and again. One of the new things that impressed me was the local liquor called Kaoling. Kaoling is an essential product of the islands Kinmen and Matsu which historically have been part of…Read More
1st January – The Worlds Hangover Day :)
Everyone is happy from their christmas gifts and are now getting excited about welcoming in the New Year. Whether you are going to celebrate at home or in your favorite hangout place here at the Indigenous Bartender we wish you a wonderful New Year's Eve (and New Year)! For me, I'm usually always getting ready…Read More
Sorghum – The Camel Crop
Asia is a continent that conserves traditions while simultaneously holding a vision for modernisation; a concept that never fails to surprise me. It amazes me how often we tend to forget about what has been around us for centuries. We also usually regard some of these old school products as secondary ingredients that are fed…Read More
Winter melon – The Melon of a Grape Family
I was recently invited to participate at Bartenders Week in Taiwan not too long ago. During that stay, I jumped on a train and travelled south to the historical city of Tainan which I heard a lot of great things about. I have to say that it felt like I was travelling back in time.…Read More


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Bogart's is supposed to be the best, according to a co-worker of mine! They had a delicious chocolate frosted brioche (I think) doughnut!
Next stop was Mel-O-Glaze. They are seemingly famous for fritters and rightfully so! We got the best (and still warm) apple fritter I have ever had!
Parker thought it looked pretty delicious!
A Baker's Wife. They have TWO cow statues out front, so I knew this place would be awesome!


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Watch: NM CD1 candidates debate on KOB 4
KOB Web Staff
October 15, 2018 10:20 PM
ALBUQUERQUE, N.M.— KOB 4 hosted a debate Monday between the candidates who are running for the U.S. Congressional District 1 seat in New Mexico.
Republican Janice Arnold-Jones, Democrat Deb Haaland and Libertarian Lloyd Princeton answered questions on a wide array of topics, from how to provide affordable health care to protecting New Mexico's bases and national labs.
Watch the debate in its entirety in the video above.
KOB Web Staff
Updated: October 15, 2018 10:20 PM
Created: October 15, 2018 07:15 PM
Copyright 2018 KOB-TV LLC, a Hubbard Broadcasting Company. All rights reserved


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Winter is the perfect time to dream about (and plan for) a garden that nourishes people, wildlife, and the planet. Learn how to use regenerative gardening practices to grow edible plants, conserve water, eliminate your use of fossil fuels, and make compost in your own backyard. Facilitated by Roxanne Kapitan, Landscape Manger at Oakleaf Landscape, and organic grower for Middletown Nursery.
Saturday, February 16, 2019 at 10:30am to 12:00pm
West Tisbury Public Library
1042 State Road, West Tisbury, MA 02575
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Login to interact with events, personalize your calendar, and get recommendations.


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Jo, how far is it spaced off? The stops on this mill stick out almost an inch which seems like it would be pretty far out.
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Featured Volunteer- Paul Brookshire
Paul is an Orchard Steward, donor, cider enthustiast, and volunteer instructor for City Fruit. Paul taught two cider making classes this fall, and anyone lucky enough to taste his homemade hard cider from Burke Gilman Trail or Meridian Playground apples can attest to his expertise! Paul has been an incredible asset to City Fruit over the years, and is always willing to lend a helping hand wherever he is neeed. Thank you, Paul!
Looking for more volunteer events?


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Health & Fitness
How does your garden grow? Suki Roth's Medicinal Herb Garden $50 gift certificate
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$50 Gift Certificate for a class at Herb Haven
Herb Haven owner and master herblist Suki Roth offers a variety classes in selecting, harvesting and preparing plants for medicinal purposes. The Haven has its own garden and apothecary. Besides sharing insights into the plant world and ancient remedies, Soki produces her own tinctures, teas, salves and more...
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Royal watchers across the globe have been waiting for the Duke and Duchess of Sussex to return to the spotlight.
After holidaying in Lake Como with The Clooneys, Meghan and Prince Harry are back at it.
Kicking off their royal rota for the second part of the year, the newlyweds attended a very special West End performance of the American smash musical Hamilton.
The event was held in an effort to raise funds for Prince Harry's beloved charity Sentebale, which he created with fellow Prince Seeiso of Lesotho.
The Duchess of Sussex may be three-months in to life as a royal, but that doesn't mean she doesn't occasionally dip into her Markle fashion note book.
Putting her best foot forward, the 37-year-old looked breathtaking in a black tuxedo minidress by Judith & Charles, worth $595.
The Duchess swept her locks into a chic low bun and completed her look with a pair of matching black heels and clutch.
Observers noted that Meghan's decision to wear such a sultry design was quite darling.
British jeweller Shaun Leane believes Meghan quite enjoys pushing the envelope and re-imaging how a royal should dress.
"I think Meghan is very bold and daring — she's obviously open to exploring different ways of wearing pieces and she's breaking traditions," the designer, who the Duchess has worn three of his pieces, told People.
Princess Diana comparisons
Showing off her legs may be deemed as a risque move, but her late mother-in-law was actually the pioneer of pins.
Princess Diana was celebrated for her love of fashion, and the fact that she adored taking risks.
In 1996, during a Christmas themed charity event for CentrePoint, the People's Princess actually donned a very similar outfit - which at the time became a trailblazer, inspiring many to don the same look.
Having the ability to show your personality through your clothing is a royal art form.
Duchess Catherine might not opt for a short tuxedo dress, but who can forget that bold moment back in 2016 when she stepped out with a stunning and very sultry off-the-shoulder white Barbara Casasola gown.
And Queen Elizabeth has a flair of exuding royal brilliance in her beautiful and brightly coloured coat dresses.
Countess Sophie of Wessex once shared that Her Majesty chooses to rock such pretty colours so that fans easily see her and can say "I saw the Queen!"
So what does the Duke of Sussex's style tells us: He's one charming spouse!
Proving to be the perfect date, Prince Harry looked rather sharp in a matching suit.
Hamilton is about America's founding father Alexander Hamilton.
The musical, which the Suits alum first saw with her friend Priyanka Chopra in September 2016, was created by Lin-Manuel Miranda, who was there to greet Meghan and Harry.
He went on to introduce them to his cast and crew at London's Victoria Palace Theatre.
The evening was definitely a big change of pace, having visited the Queen at her Balmoral residence over the summer.
Now it's back to the grind, with the duo set to step out together again for the annual WellChild awards - a charity that aids seriously ill children and their families and caretakers.
Then on September 6th, Harry and Meghan will be at 100 Days to Peace.
The lavish gala will highlight music from the end of World War I at Central Hall Westminster. The event will raise funds for Help for Heroes, Combat Stress and the Royal Foundation's campaign.


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I just got a mail from Ryan Bermester saying his car got stolen while spearfishing at Christmas Bay.
How's things going, just wanted to warn you guys that my car got stolen from where we were all parked this morning, while we were at Umhali police station there was an Indian chap we meet whose car had also been stolen at around the same time as mine but from the other car park just further south where the big bend in the road is, so take care and let everyone know.
It sounds like a syndicate steeling the cars. They seem to hit the place for a couple weeks and then it cools off for a while. It would be interesting to find how many cars actually go missing there every year. I know the breakin's are something silly, the ground is continuously glistening with glass frost from broken windows.
What to do??


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Benito Cuomo's Statism of Emergency
Our governor's reaction to it being a tad chilly and breezy today — NY declares state of emergency due to 'Polar vortex' winter storm. I got a day off of work, the missus and kiddoes a day off of school, and the state's economy lost how many billions I do not know. Thus spake H. L. Mencken, who nailed it a century ago:
- Civilization, in fact, grows more and more maudlin and hysterical; especially under democracy it tends to degenerate into a mere combat of crazes; the whole aim of practical politics is to keep the populace alarmed (and hence clamorous to be led to safety) by menacing it with an endless series of hobgoblins, most of them imaginary.
Labels: The Empire State, The Weather, Tyranny


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The Orioles just went through one of the most difficult weeks as their former All-Star and Cy Young winner killed himself. The Orioles fans and players are having a very tough time and then there's a minor hurricane coming. The Yankees are complaining about when to schedule games.
Stay classy, Yankees. I know when Thurman Munson died, you played the Orioles right after. I don't think the Orioles bitched and moaned about stupid stuff and instead let you grieve. On the good side it was classy that the Yankees removed their caps and watched the tribute video last night.
It was also great to see the Yankees eat one last night :). Thanks for coming to Baltimore, Yankees fans!


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Jeremy Moore is back coaching the Toombs County High School Soccer and both of his teams opened the 2019 season with home wins over Appling County. The Lady Bulldogs won 5-1 and the Bulldogs took their match 4-1.
Y-101 Story
Cindy Vera and Ashley Venegas each scored two goals for the girls and Jazmine Nahuaca kicked in one. Freshman Julian Marin scored three goals for the Bulldogs and Omar Aquilar had one.


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ZeroLemon's case for the Galaxy S9+ will double its battery life
How about doubling its battery life that is pretty middling, as can be expected from its Quad HD+ display and pedestrian battery capacity? That's exactly what ZeroLemon's 5200mAh Li-polymer wrapper promises. If you are wondering why only doubling it at that capacity, bear in mind that this is not a battery replacement, as the phone is sealed, of course, but rather an external power bank of sorts, housed in a convenient S9+ case for a double duty.
The gear has four colored LED lights to gauge how much charge it has left, and a pass through connection means you won't have to take the case off first when charging. Granted, it makes the largish handset taller and thicker, but, if you will be taking the excellent S9+ camera away from a charger for more than a day, you might be willing to overlook the added bulk. The best part is that the ZeroLemon pack currently goes at $39.99 introductory price before it starts shipping on Amazon in the next two weeks, so hit the source link if you are interested.
source: ZeroLemon


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Jermaine Beckford has withdrawn his transfer request and has informed doubting Leeds fans that he gives 100 per cent every time he puts on the shirt: Beckford
Whether this is the end of the wobble at Leeds remains to be seen, but there has clearly been some unhappiness in the camp, possibly not assisted by the tactful interventions of Ken Bates. As one perceptive Addick fan commented, Leeds fans are a bit like Spurs fans. They expect constant success and the moment something goes wrong they start to turn on the team.
BTW, sorry that we don't have a match report from the weekly clash on the Scillies yesterday. Radio Scilly sports show host Merryn Smith was supposed to send us one but instead took a deckchair down to the beach near his home. Jammy so-and-so. He is training hard for the London Marathon, though, and in due course I will give details of the charity he is supporting.


text: Willem-Siebe Spoelstra 0 Report post Posted June 30, 2013 Hi, I don't see any shortcode for metadata to show the 'last updated' date for a blogpost, how can I achieve that? Kind regards, Willem I write about internet marketing, WordPress and Pagelines on my Dutch blog spoelstra.ws. Share this post Link to post Share on other sites


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Formed in 2018
We are Viper Gin.
Based in Cerne Abbas, Dorset. Our distillery is continually developing new recipes for production and proudly promoting all local businesses we are lucky enough to work with.
Our distilling journey began with English wheat grain spirit and ten botanicals, producing our balanced and intriguing London Dry Gin.
The name Viper was born as we were preparing our plot to grow botanicals in Dorset, whilst clearing the long grass we came across a rare sight. A Viper! This seemed quite fortuitous, the name stuck an we haven't looked back since.
What Makes
Our perfect Viper G&T is to use an elderflower tonic, garnish with a slice of granny-smith apple and a segment of star anise. Alternatively pink grapefruit tonic garnished with fresh orange and rosemary makes a lovely combination too.
If you like a Martini then our gin is the gin for you. Dirty or with a twist we've had mixologists praise the product we've made.
We've Been Busy
New Website & Shop Launched
We are live! It has been one incredible year launching our Gin into the seemingly sizeable spirits industry the UK has to offer. Having sold our first bottle in February this year it's been quite the Journey so far, needless to say we have loved…
Great Taste Award 2019
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