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Brenda | Licensed Massage Therapist
Favorite Area Of Focus: Deep tissue, Pre Natal, Stretching
Education: Boulder College of Massage Therapy, Boulder, CO. 1000 hr program + A.O.S. degree.
Places Lived: Pennsylvania, Colorado, California,Texas, South Carolina & New York
Places Traveled: Coast to Coast of the United States
My Dream Vacation: A warm sunny private island with lots of activities with my family and close friends
Philosophy on Healing: Mind, Body & Spirit. We must take care of all three.
In my other life (before I found massage therapy) I was… a wanderer, waitress and bartender


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Nymans 2014
This is a watercolour sketch of one of the gates to the walled garden at Nymans a National Trust garden in Sussex UK.I was sat only 12 metres from the main path but on this side path it was quiet enough that a mouse or vole was carrying her litter of babies across the path one at a time to (presumably) a better home in the long grass to the right of the path. As I say it was very quiet until two German tourists noticed me and decided that the view must be worth a photo if I was sketching it- so he went and stood in front of the gate and she came and stood right in front of me until she had her shot, not a trace of an excuse me! So rude!
The reason I went was because it was the sort of day when it was threatening rain and there was space in the car park. Due to the new charges at Wakehurst Place many people are going to Nymans instead. This is a shame as it is a much smaller garden with a more intimate scale and too many visitors would make it difficult to sit down and sketch or appreciate the garden so well.
Going back to the sketch it has a schoolgirl error in it …can you see? I will need to do some work in the studio on it or make a copy; I also need to get some opaque paint to put in the cream roses growing over the gate….or do a copy. It has a nice feel however.
Posy- a painting a week
This is as much painting as I have done this week. its a bright posy of flowers from the supermarket: roses , carnations and phlox.
Lovely aunt did one of the same vase , DIY dad went back to work after mystery illness and No1 son and No2 son hatched a plan to get the password which locks the computer from us; this involved a mini video camera and a reasonbly plausible storyline. Treasures.
Roses by the dozen-a painting a day
6in x 9in 15cm x 22cm
That is the trouble, woolly mind woolly paintings. I mean to be honest I have just had to spell check the word woolly…when did it aquire two 'l's and why does it need them? It did look a bit lost with only one.
Half term has been and gone and I am looking at the garden on a daily basis trying to keep the screams silent….where did all the weeds come from and how did the growth start so soon after what seemed to be a harsh winter?
Mrs Oakley Fisher,Study of late tea rose – a painting a day
size 6 in x 5.5 in 15cm x 13cm watercolour on heavy weight rag paper
The sky looks like a Gauguin painting this afternoon, orange and brooding purple with patches of pale yellow over suburbia , it is not quite le Poldu but then they probably don't have a station there.
As the colours Gauguin used are ones I hesitate to put in a picture I have to ask why and why not. This is a study of a rose where I have chosen to show all the possible colours of the background and there are the puces and oranges and the glowing pale green in the bags and folders of everyday life. Its not entirely comfortable but it has a nice exotic feel, fifties Cuba or Florida.
Well that was last night, today I don't like it at all but it is my painting a day so…blog it anyway; it's not for sale as I think it's a bit unhinged. Like the economy it's gone over the edge and that is just about to speed up it seems.
Oh..did I mention I went to the Gauguin exhibition at the Tate Modern?…and I got to hold a ceramic sunflower seed for …at least 30 seconds, it was like being seven again and bead swopping. Actually I think they should do that- you go to the exhibition with some thing you feel is equivalent in value (first define your value) and see if the curator will swop it for a seed.
#144 a painting a day by Alison Warner on her lemon a day art blog
Birthday flowers – a painting a day
size 9 in x 9 in 21cm x 21cm watercolour on heavy weight rag paper
I have gone back to the lovely bouquet, but cannot decide whether this is chaos or partial abstraction.
Weeds are different wherever you go, a change of soil or a new garden means that the eye has to be retrained, the unfamiliar seedlings can be confusing when they first emerge. I have been in this garden with its horrendous heavy clay for five years now; there are weeds that I did not get in other gardens. Lately I have spent quite a bit of time on the areas that were levelled with a minidigger in the spring, I have noticed some new invading weeds germinating in the areas reworked. There is plenty of Hypericum or St John's Wort to get rid of as usual but there are also masses of nettle seedlings and horror of horrors Lesser Bindweed, which I do not get in this garden. I have reason to believe that these seeds came in on the caterpillar tracks of the mini digger. My reason being that the seedlings of pale blue lobelia have popped up in the same area and the seedlings of bedding begonia ….this time last year it had a full cover of scrappy leylandii so the opportunities for annuals weren't great over there, and anyway I don't generally buy pale lobelias as I love the dark blue ones. There are also plenty of thistles that are new to the garden; it just goes to show you shouldn't let a mini digger in if you don't know where it's been. I have also got a stand of Verbena bonariensis mixed with bronze fennel which have come from some inadequately heated homemade mulch, that and the camomile daisies that pop up everywhere are my fault.
I have had to attack a useful hedge in the front garden as I am afraid that the honey fungus which attacked the crabapple in the road has moved on to the cotoneasters. There are signs of die back and I think it is best to remove even healthy looking bushes to reduce the food stores available to the ceps' psychotic axe murderer cousin Armillaria. I do not want it to get to the apple trees. I was very annoyed with the council as they did not cut the infected tree down quickly. I wish now that we had done it ourselves after discussion with the neighbours…how long would it have been before the council noticed, would they ever have noticed?. Luckily yew is fairly immune to honey fungus so I can transplant some seedlings to start to get a bit of cover back. Hebe is also less likely to be attacked and I have a couple in pots which were free to a good home and one which I could transplant.
The Tigridia flowered today and I forgot to get out there and take a photo, also forgot to pick up son from school which is a bit serious. I have apologised to him here is a picture of the Hedychium instead of theTigridia promised on Twitter.
#126 a painting a day by Alison Warner on her lemon a day art blog
A posy of Albertine roses – a painting a day
Click here to purchase size 4 in x 6 in 11cm x 15cm watercolour on heavy weight rag paper
It began with some rain on the velux window this morning. A promising start but the actual amount of rain hasn't been enough to soak the soil. Therefore I still had to water lots of stuff. I even got over to the developing yew hedge which is slowly getting big enough that the neighbour won't be snickering at it….well by next year he won't I'm sure…. just 'cos he's got a ten foot high beech hedge! So far this year it has grown about six inches, a foot would be better, it grew a foot last year and I would like a foot this year.
The yew is a replacement for some of the boundary Leylandii and was bought when it was about 12inches high. It has got to 20 inches to 36 inches high now and most of them are interlaced with their neighbours.
That's the trouble with malleable well behaved plants they can take ages to get established. I have a very beautiful single peony which once happy provides three things, red shoots in spring, huge floppy flowers in June and a bit of autumn colour. Once it is happy it should provide that every year without any real work or expense. It will never invade the whole garden, shed unwanted seed, or turn into an uninviting mouldy heap- but this particular peony is still sulking five years after being planted; one flower this year and one last is all it is prepared to commit to.
Talking of plants which do spread a little too readily the Geranium pyrenaicum which I chopped to the ground recently has already sprung back with new leaves and some flowers. I did not note when I did chop it down but it can only have been a week or two ago. I am composting the cut stuff as the compost is working fast and hot at the moment, it's shrinking back very quickly every time I stuff more weeding and vegetable peel in there ;in other words I am confident the seeds will not ripen in the compost they will most likely get cooked.
No2 son has needed hosing down on the lawn after school the last two days he is so hot.
We forgot to go and pick the strawberries today.
Today's painting is the opposite of yesterdays simple stark redcurrants, it's summery and garish; I am trying to come to terms with it but there it is it is what I painted today. The roses are some I bought barerooted a couple of years ago. They are supposed to be decorating the holly bushes as they regrow to make one of the boundaries with the road, for once the plants are doing what was planned and the strings of coral buds look fantastic.
#88 a painting a day by Alison Warner on her lemon a day art blog
Three carrots – a painting a day
Sold size 3 in x 8 in 8cm x 20cm watercolour on heavy weight rag paper
There are some pretty carrots to be drawn today…they are not home grown but they were picked by my mother in law.
Today was one long extended watering session.
The lavender is coming out and so are the Gazenias, I have yellow ones in a pot and pink ones in a bed, I have a pet hate of many mixtures that are sold either as seed or plants. Gazenia mixtures set my teeth on edge. I'm iffy about mixed antirrhinums and wallflowers too. I think it's the combination of bright clear yellows with deep pinky reds and brick reds. Especially lemon yellow with a deep red, shudder it's the visual equivalent of someone scraping a nail down the blackboard.
To get back to Gazenias the yellow and white mixture that I had is good and I have saved some of the plants over winter, they are bigger than the bought pink ones and opened flowers just before the pink. So because they are good plants and free for this year, overwintered Gazenia win. I need to do it better next year and save them all. They were outside but wedged in between the wood store and the house wall.
My new rose opened out, Mrs Oakley Fisher; she is a starlet of some potential. Single apricot with stamens stained scarlet at the base, five big curvaceous petals.
#84 a painting a day by Alison Warner on her lemon a day art blog

subset: commoncrawl


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Property Description
Location, Location, Location! This lovely home is located in a very desirable area that is close to schools, shopping, restaurants, freeways and the historic downtown area of Covina. Some of the features and amenities include: 2 Bedrooms, 2 Bathrooms, Large Living Room with Brick Wood Burning Fireplace, Wood Beamed Family Room, Open Kitchen with Newer Appliances and Ample Storage Throughout. Fantastic backyard is perfect for entertaining and includes mature fruit trees.
Call Marci at (909) 234-0251 to schedule your private showing!


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9 Questions to Ask Before Hiring an Engineering Consultant
Finding the right engineering consultant is one of the most important things you can do to ensure that your next construction project makes the smooth transition from dream to reality. With so many firms to sort through, sometimes it's hard to know for sure that you're working with an experienced group of engineering consultants who will both understand the needs of your project and ultimately deliver amazing results. These nine questions are great starting points you can use to help you find the right engineers that will take your project to the next level.
1. Do you have experience working on similar projects?
Asking questions about your consultant's past endeavors will give you better insight into their qualifications and ability to handle the specifics of your project. This question is a good one to open with, as it will allow the consultant and/or firm to show you that they've done their due diligence in researching the needs of your project.
2. Who is my point of contact?
In some firms, your initial contact person will be different from the person who will take charge of handling your project once the work gets started. Developing a relationship with your main point of contact before the project begins will save you from the stress of trying to track them down if any issues arise down the road.
3. Can you provide examples of past clients you've worked with?
Sure, you've probably done your homework and looked at your consultant's online portfolio. It's still a good idea to ask about their past clients and whether they have references available, in case there's a recent client whose project was similar in scope to yours.
4. What happens if I need something outside of the scope of work?
Plans change – it's the nature of the beast. Knowing the process of submitting modifications before things get potentially stressful is just another way of making sure that everything runs as smoothly as possible throughout the entire process.
5. What types of engineering degrees do employees have? Do they specialize in any specific field of engineering?
Depending on the size of the consulting firm you're working with, there may or may not be engineers who specialize in the areas that your project requires. Before you fall in love with an engineering consulting firm, make sure that they're certified to carry out the duties of the job.
6. Are there any clients that you work with frequently?
Repeat customers are one of the best indicators of a firm's ability to meet and exceed client expectations at every stage of the process. It's also a great idea to ask for these clients' contact information, as they'll have extensive knowledge about the firm you're looking to work with. Reach out to these contacts and ask them about their experiences working with the consultant(s).
7. Have you won any awards in your industry?
A company that earns respect and recognition from other industry professionals is likely a company you can trust. Awards alone don't necessarily mean you're working with a great company, but they can be an important part of the larger picture.
8. What steps do you take to ensure quality control?
The answers to this question might vary depending on the nature of your project, but it's good practice to look for companies that take the time to give you thought-out, in-depth answers that are specific to the scope of work and specific needs of your project.
9. Have you ever worked in my state/city/jurisdiction before?
Not only will firms that are used to working in your area have a solid understanding of any local regulations or permits they'll need, they'll also likely have developed great working relationships with the people in charge of handling the permitting process.
JBA Consulting Engineers has been bringing buildings to life since 1966. If you're looking for a team of experienced, dedicated engineers for your next construction endeavor, we'd love to get to know you a little better. Give us a call at (702) 362-9200 to get started.


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410 N. Toole Ave. #110
If you want to support a local mom-and-pop (or even just mom) business, Laura Tanzer Designs is the real deal. She teaches the people helping her sew her designs (whom she pays higher than the industry standard) to achieve her impeccable standards. Her high-end fabrics and perfect seams manage to mix comfort and elegance in a high-fashion synthesis.
Runners up:
2. Diana Williams (Worst Western)
3. Erin Cox (Southwestern Belle Alterations and Design)
Laura Tanzer
| Oct 24, 2019
Israel Zavala (RepTuc The Underestimated City)
| Oct 25, 2018
Elizabeth Denneau (CandyStrike)
| Oct 27, 2016
Erin Cox — Southwestern Belle Alterations
| Oct 22, 2015
Alok Appadurai & Jade Beall, Fed by Threads
| Oct 15, 2014
© 2020 Tucson Weekly


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We develop bold, thoughtful and forward-looking digital and print material to promote and develop brands and business.
Richard has spent most of his career working in the creative industries covering Marketing Services, Account Management, Studio, Production and Operations and he really knows what works and how to make it work. He's been involved on projects for some of the largest brands like Sony Playstation, Activision, Bafta, M&S, Boots, HSBC and has worked with small and upcoming businesses too.
Richard set up Red HQ up with Steve in 2011 and he oversees all projects making sure clients receive the best service as well as all the business side of things.
In his spare time you'll find him watching his favourite footy team and when he gets the chance, on a dance floor, not out cold but shaking his moves. Oh and he'll do anything for a latte!
Butcher, baker, candlestick maker, picture framer, engineer… After a diverse range of occupations (although candlestick maker is stretching things slightly!), Steve discovered graphic design in an article in Sainsbury's staff magazine. He immediately gave up his lucrative retail career and packed himself off to college for four years and qualified in 1993.
Since then he has worked as a designer, artworker, web designer and software trainer for a number of successful design agencies around the UK.
On the rare occasion he isn't working, Steve likes nothing more than globe trotting, staying up past his bedtime and running marathons.
Bridget is that most valuable of assets - someone who has spent time on the other side of the fence. With many years experience running voluntary sector organisations and in business, she has frequently commissioned work from creative agencies. She knows what it's like to be a customer.
In Red HQ she consults with our clients to make sure that we are giving them what they are looking for, and helping to make sure it is the best for their needs, seeing each project through to completion. She also develops marketing strategies for our clients.
Years ago she was an official chocolate taster for Cadburys but now Bridget is a bit of an earth mother, never happier than when she is grafting apple trees or baking bread.
Luke is Red HQ's resident web designer/front-end developer and is responsible for driving our web design strategy.
Born in sunny Sheffield, Luke spent many of his early years designing cool website after cool website but never quite finding the motivation to actually populate them with content. To nobody's surprise this interesting web design hobby eventually transitioned into an interesting web design career.
Outside of work he claims to spend his free time helping old ladies across the road and rescuing cats from trees, which roughly translates to socialising and rock climbing.


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What To Know About Fasting Weight Loss
Fasting is a method that has been practiced for a very long time. Many doctors usually discourage people from fasting in order to lose weight, but at the end of the day it tends to have lots of benefits. At the end of the day fasting has helped people quite a lot when it comes to reversing insulin resistance and also the people who have a problem when it comes to losing weight change to benefit quite a lot from it. Below are some points that you should know when it comes to fasting for weight loss.
One of the known benefits of the practice is that it will help you lose weight. Your body tends to change quite a lot when you start limiting the food intake that you are used to eating. When you start fasting, your body usually is tricked into using the fat that is stored in your body. Fat and sugar is usually the two main fuel source in your body. In most cases, you will find that your body usually uses a shooting to produce energy thus not this product using the fat at all. It usually actually easier to burn sugar rather than fat; therefore, you will find the body choosing to burn sugar instead thus leading to us adding up body weight. The main reason people are usually suggested to fast is because at the end of the day you not taking any kind of is; therefore, your body will tend to use all the sugar that is in the body and later on turn to the fat that has been stored by your body. The good thing about it is that you will definitely end up losing weight immediately the fat starts being used by your body.
The good thing about it is that it tends to help how your brain functions.It has been proven to help when it comes to increasing something called brain-derived neurotrophic factor. BDNF is usually known to help in signaling new neurons to develop, grow and prevent the death of neurons that are in the brain. It is also known to help in the improvement of how your brain functions and you can be assured that there will start experiencing mental break through and the sharpness of the mind which is usually quite useful. you can be assured that at the end of the day you will definitely start experiencing the benefits of fasting which are usually what most people expects when they start the process.


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The Essex County T E A Party and other concerned citizens respectfully request that the Essex County Board of Supervisors
The Essex County T E A Party and other concerned citizens respectfully request that the Essex County Board of Supervisors submit the following ordinance for adoption following whatever action is required to invoke such an ordinance.
"Essex County declares that the right of the citizens to bear arms in defense of themselves and the
State shall not be questioned. This ordinance further nullifies all federal, state or local acts in violation of the 2nd Amendment of the United States Constitution and declares them to be invalid within Essex County. "
The right to nullify unconstitutional laws is granted under the 10th Amendment to the United States Constitution. "The powers not delegated to the United States
by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people".
The Commonwealth of Virginia's Constitution contains the following under "Art. I, § 13 (enacted 1776 without explicit right to keep and bear arm s;
"That a well regulated militia, composed of the body of the people, trained to arms, is the proper, natural, and safe defense of a free state, therefore, the right of the people to keep and bear arms shall not be infringed; that standing armies, in time of peace, should be avoided as dangerous to liberty; and that in all cases the military should be under strict subordination to, and governed by, the civil power. "Therefore, the right to keep and bear arms shall not be infringed" added in 1971). …"
Two Virginia attorneys general have issued different legal opinions on it. In 1993, one said the right is not intended for all citizens; in 2006, Bob McDonnell, the attorney general at that time and now Governor, said it is.
Since the United States Constitution and the Constitution of the Commonwealth of Virginia both address this right, action by the Essex County Board of Supervisors would further support this right and give notice that its citizens will oppose any action to "infringe" on this right.
Important Articles
What is a Billion Dollars
ContactEssex Tea Party
P.O.Box 1223
Essex County Government Links
Other Tea Party Links
Useful State Web Sites
Virginia Congress Web Site
House of Representatives
Virginia 1st District
Tappahannock Essex Airport Link


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made with love {and paper} design team
july 1, 2012
theme: happy birthday
requirements: none
with things getting so busy with the end of school and summer beginning i thought it would be a nice time to have a simple, easily translatable project. for this month's project we were to make a *happy birthday* item. i went pretty simple with this one but it was a lot of fun.


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Volume 4 in my nascent Galician library (kindly provided by the author):
Hora zulú
by Santiago Lopo
Editorial Galaxia 2016 (in Galician)
Mar Maior 2016 (Spanish)
In January 2000, a man is washed up on the coast of Galicia and is referred to a psychiatric hospital, as he appears to have lost his memory. Known as "the professor", he is going to spend the rest of his life there although we are increasingly suspecting that he isn't quite as mad as we thought, and maybe he hasn't lost his memory either.
After his death, Ana, who was one of the psychiatrists at the hospital at the time of his referral, pieces together the mysteries of the professor's previous life from a set of five stories that he had written and hidden in different places. Ana reports the progress of her quest in emails to a former colleague and love interest, but we don't know whether he ever reads her emails – she never refers to anything he might have said in reply, so it's a strong possibility that the ex, now living in New York and married to somebody else, deletes her messages unread.
The novel intersperses these emails with the professor's writings and the psychiatrists' case notes to create a jigsaw puzzle that remains mysterious to the last. We begin to suspect that the mad professor may have been a sane man in a mad world, as becomes clear from the questionnaire he designs to test the sanity of his doctors. He is thinking about the mysteries of time in a quest to stop the man-made destruction of the environment. (Hora Zulú (Zulu Time), by the way, which occurs at the end of each of his texts, is just a navy / aviation code for Greenwich Mean Time.)
Meanwhile, Ana has her own problem with time. She wants to wind back the clock to be back with her ex (or was he just an almost lover?). As the personality of the patient is gradually beginning to make more sense, that of the psychiatrist is becoming a shade crazier, although her voice, emailing into the void with the mixture of exciting discoveries and the mourning for lost love, (to me) really was the main attraction of the book. I'd happily read more of her emails any time.
The whole tackles some big questions, including:
* what is the nature of time, and can it be stopped or reversed? and:
* am I crazy or is the world around me going crazy? speaking of which:
* can dogs read our minds?
The answers, however, remain a mystery.
PS: while I was writing this review, I came across two time-twisting news items in Express News, a Spanish weekly published in London – spooky stuff:


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Wandersong Sells 3 Times More On Switch Than Steam
Wandersong, an unique rhythm game, was released on the Nintendo Switch eShop last month.
Destructoid asked Wandersong creator Greg Lobanov to see how the game is performing. Lobanov says the game has already sold close to three times more on Switch than Steam. He added that this "exceeded our expectations, and definitely is enough to support our tiny team".
Besides seeing newfound success on Switch, what's more important to Lobanov is how Wandersong has affected others in positive ways. The team behind Wandersong has been receiving hundreds of private messages from fans who say the game has helped get them through tough times.
What do you think? Let us know in the comments.


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He left school early to join the New Jersey Generals of the startup USFL and, after that league folded, he jumped to the Dallas Cowboys and enjoyed a hugely productive NFL career.
Walker's combined USFL and NFL statistics make him one of the most productive pro backs ever. The Pro Football Hall of Fame has finally come around to the idea that he deserves credit for all his career yards, adding Walker to the list of players under consideration for 2010 induction into the hall.
So you have to wonder why Herschel just signed a deal with Strikeforce and announced that he plans to begin his career as a 47-year-old MMA fighter next spring once he's completed his a training program at the American Kickboxing Academy.
Is Herschel really that bored? There's no way Roger Goodell and the other control freaks in the NFL corporate offices will think this is good for the league's precious "image." Hell, Roger would probably suspend Walker right now if he could get away with it.
Good luck with the mixed martial arts, old man Walker. They'll probably give you another shot at the Hall of Fame when you're 70. (via FanHouse)


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Reference.: IT-COR1453-KA
Province: Arezzo (Tuscany)
City: Cortona
Living Surface: 133 m²
Plot size: 3.000 m²
Rooms: 4
Bedrooms: 2
Bathrooms: 3
Location: panoramic view
Pool: Yes
Condition: Good conditions
Asking price: 690,000 EUR
Commission: for the buyer 3,66 % incl. VAT
No floor plan available
Any questions?
We'd like to call you back!
Send us an email:
Instant inquiry form:
The beautiful country house from the 18th century has been lovingly renovated and is located in a beautiful panoramic position, but only 700m from the nearest village with a bar and restaurant. A pool and the special panoramic view make this property a very attractive offer.
On the ground floor of this country house we find the entrance area, the large living room with fireplace, the kitchen, a bathroom and a storeroom.
The first floor can be reached via the inside or outside stairs.Here you find a small loggia, a hallway and 2 bedrooms each with bathroom en suite.
In all rooms the original ceiling beams and terracotta floors have been preserved.
The equipment with air conditioning, alarmsystem and the stove is really high quality.
On the 3000 square meters large property there is available a pool and a private well.
For more offers please consult our web site
The country house is located only 700m from the nearest small village with bar and restaurant and can be reached via a 500m long gravel road.
Cortona 9km, Arezzo 30km, Perugia 60km, Pisa 197km.
Properties in Tuscany
Tuscany is considered one of the nicest regions of Italy. Many Germans and British peopel have settled down here due to its mild climate, the beautiful landscapes and its historical and interesting culture. Have a look at our properties for sale in Tuscany; amongst them you'll stumble upon breathtakingly spacious, newly renovated farmhouses, tiny, as well as bigger villas with phenomenal views, countryhouses with gardens or swimming pools, apartments, villas, village houses and wine estates. We will be happy to advise you in all aspects.
Christian Siedersberger
+49 (0)89 - 480 589 10
+49 (0)173 - 633 28 11
About us
- knowledge of Italy and its property market
- many years of experience
- personal support
- exclusive objects
- accessible at any time


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The weather is finally starting to cool off here in Pittsburgh!
About time…
This morning it was 40 degrees and I knew it was time to make some Hot Maple Apple Cider!
Coffee is great and all, but this is the perfect Fall drink!
Maple, apple, cinnamon…It's literally Fall in a cup.
So simple too!! I use a sugar free apple drink from Walmart, but you can also use regular apple juice or a reduced sugar version. Whatever your little heart desires!!
Warm Apple Cider is pretty fantastic, but it's the maple that takes this drink to the next level.
I use zero calorie maple flavdrops from Myprotein, but you could also use some sugar free or regular maple syrup!
If you're feeling crazy, try adding a shot of caramel vodka!!
Makes a great evening drink too 😉
- 3 cups calorie free apple juice
- 10 drops Myprotein Maple Flavdrops
- 1/2 t cinnamon
- apples for garnish
- Heat apple juice (microwave or stove top)
- Whisk in Flavdrops and cinnamon
- Slice apples and garnish
- Can use regular or reduced sugar apple juice
- Sub maple syrup for Flavdrops


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Floor Plans & Pricing
|Floor Plan
|1/1 with Fireplace
|Call for Pricing
|2/2 with Fireplace
|Call for Pricing
Amenities & Features
- Wall-Wall Carpeting
- Pantry
- Mini Blinds
- Walk-in Closets
- 1 Laundry Room
- Grill(s)
- Dishwashers
- Patio/Balcony*
- Ceiling Fans
- View More...
School Information
- Dallas ISD
- George W Truett El
- W H Gaston Middle School
- Bryan Adams H S
- View More...
Pet Policies
- Cats and Dogs
- 2 Pets Max
- 25 lbs. Max
- Breed Restrictions Apply
- $300 Pet Deposit
- $150 Non Refund. Pet Fee
- View More...
Other Information
- White Rock Lake East - Lake Highlands - Garland Road
- 2 Stories
- $50 App Fee
- Dallas County
- 82 Units
- Hours: MF 8:30-5:30
- Lease Terms: 7-13
- Near Transit
- Occupancy 98%
- Management: Wells Asset Management, Inc.
- Year Built: 1984 (Remodeled in 2018)
- View More...
From Interstate 30 and N Jim Miller Road, Dallas, Texas, drive north on N Jim Miller Road toward Highland Road. Make a left turn onto Leeshire Drive. Make a right turn onto Hunnicut Road. Make a left turn onto Lakeland Drive. Make a right turn onto Ferguson Road. Turn slightly to the right onto the Texas-12 Loop/Buckner Boulevard ramp to Southbound. Make a right turn onto Texas-12 Loop S/N Buckner Boulevard. Spring Hollow Apartments will be on the right.
About Spring Hollow
The Spring Hollow apartment complex offers two distinctive floor plans designed with deluxe family living in mind. Complete with either 578 or 817 square feet and either 1 or 2 bedrooms, each unit is structured and designed for easy living.
Units at Spring Hollow come with mini blinds, a pantry, and a frost free refrigerator. Wall to wall carpeting and garbage disposals are also standard in each unit at this complex. Private patios or balconies are just outside your sliding glass door leading to a beautiful view of the nearby park. There is a laundry room on-site for residential use and cats and dogs up to 20 pounds are accepted with applicable breed restrictions.
This complex is in the Dallas school district which includes Truett Elementary, Gaston Middle, and Byan Adams High School. Ferguson Road Park is within walking distance of this complex and is an excellent place for a game of catch or a relaxing afternoon picnic.


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Cat Deeley and Patrick Kielty look happier than ever as they join Isla Fisher and Kristen Bell at Veuve Cliquot event
The beauties became ladies of leisure for the swanky bubbly company's party
PATRICK Kielty and Cat Deeley looked happier than ever as they rubbed shoulders with Hollywood a-listers for the Veuve Cliquot Polo classic event.
The pair, who welcomed their first child together at the beginning of this year, looked delighted to be spending some time together after a busy time for the pair of them.
The event, which celebrated the last of the summer sun, saw a host of stars arrive in their finest summer wear to sip sparkles before they accepted that autumn had finally arrived.
Floral prints and flowing dresses were the must wear fashion staple for her evening, with very few shunning the look in favour of something more classic.
Cat wore a yellow, floorlength dress but kept the summer vibes in a pair of flip-flips instead of heels.
High School Musical star Vanessa Hudgens wore a sheer off-the-shoulder white dress, adding a pop of colour with a pair of statement red suede heels.
She kept her signiture long brown locks swept up into a loose up do, with flowers in her hair to match her pumps.
Singer and actress Mandy Moore went a step further with her ensemble, and matched the company's green and yellow aesthetic in her dress choice.
Actress Kristen Bell however, decided on a more festival look and wore a trilby with her blonde hair in loose curls, with a statement patterned dress completing her rock chick look.
Keeping Up with the Joneses star Isla Fisher stood out from the crowd in a red and white polkadot dress.
The flame-haired beauty beamed as she posed for the cameras, and was careful to match her shoes and lipstick to the colour scheme.
Scream Queens star Lea Michele also stood out in a bright white mesh dress and sinching in her waited with a multicoloured belt.
The star had quiffed her hair up and left a ponytail at the back, showing off her bright, wide eyes as she smiled for the cameras.
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One unit is spoken for now.I don't make the rules here. It was just a suggestion. I was feeling guilty when the one guy said he didn't get one yet and I have two.
It was not my intention to make anyone feel badly and I apologize if I did.
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I have a spartan host with burned out diode. Would it be hard to put this laser into that host? I would be interested in that 50.00 490nm for sure if this is the case.


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Home » News & events » Announcements » IAG and SAP Ariba launch a diversity initiative for purpose-driven spending
IAG and SAP Ariba launch a diversity initiative for purpose-driven spending
10 Sep 2019
SAP Ariba and Australia's largest general insurer, IAG, today announced the "Rise" initiative, a business-to-business diversity channel of social enterprises and Indigenous and women-owned businesses. The announcement was made at SAP Ariba Live in Sydney, taking place September 10-11 at the Westin Sydney.
In collaboration with SAP Ariba, IAG created an internal diversity marketplace to enable its employees to channel their spend to make a positive impact on local communities. With IAG's drive and focus, SAP Ariba expanded its supplier community connected to Ariba Network in Australia with suppliers from diverse backgrounds that will be available to all local and regional buyers using SAP Ariba Buying in Australia.
"We believe in driving positive social change and wanted to create a marketplace for underrepresented suppliers who may not normally come into our network," said Fraser Stowers, IAG Executive Manager of Procurement. "The diversity marketplace will help our buyers connect with suppliers from different backgrounds and make informed choices on where they make purchases. We are also proud to partner with First Nations-led businesses on this launch, which demonstrates our dedication to embed reconciliation in the way we do business every day and reflects the commitment we made in our Reconciliation Action Plan."
Under this diversity initiative, IAG innovated utilizing tools within its SAP Ariba cloud solution to meet its business needs and growing demands for purposeful spending, creating a pathway to invest in community driven suppliers. The initiative came to fruition by IAG harnessing the capabilities of the SAP Ariba Spot Buy program coupled with its licensed instances of Ariba Network and SAP Ariba Buying.
IAG and SAP Ariba worked closely with key supplier intermediaries across Aboriginal and Torres Strait Islander and women-owned businesses and social enterprises such as Supply Nation, Mums & Co and Social Traders to help identify diverse suppliers ready to transact on Ariba Network. By expanding the supplier pool, the diversity marketplace helps IAG employees make smarter decisions before purchasing.
"I am a proud Wurundjeri woman and my heritage is an important part of my cultural identity," said Kelly Thomas, owner of The Floral Decorator and supplier of the diversity marketplace. "The diversity marketplace is an opportunity to work with the procurement landscape to bring Indigenous culture to the forefront of Australia."
"By providing social enterprises, Indigenous businesses and women-owned businesses better access to markets and corporate spend, together we aim to help build a more inclusive, more equitable and more sustainable economy – and enable organisations of all sizes and industries to find a better way to grow," said Adaire Fox-Martin, SAP Executive Board member for Global Customer Operations.
"With the Rise initiative, participating buyers and suppliers on Ariba Network will benefit," said Ben Redwine, SAP Ariba Asia Pacific Japan Chief Operating Officer. "For buyers like IAG, they elevate the role of procurement beyond cost reduction by allowing their employees to spend better and make a social impact in the Australia community. For suppliers like The Floral Decorator, we are growing their businesses by giving them access to the largest business-to-business network in the world. This is what makes the Australian procurement community awesome – the collective power and purpose of our profession to build a community and figure out ways that we can work together to improve people's lives and create a level playing field for everyone."
This diversity marketplace launch builds upon IAG's digital transformation, which began last year with the company's roll out of the guided buying capability of its SAP Ariba Buying solution. With those capabilities, IAG branded uBuy, an internal consumer-like shopping site, which automatically guides the IAG buying organisation to the items they are seeking to purchase in compliance with company policies. With the SAP Ariba solutions, IAG transformed procurement from a tedious, complex process to one that is purpose-driven, consumer-friendly, collaborative and intelligent.
SAP Ariba is on a mission to help the world spend better. As the world's largest business-to-business commerce network, with more than 4.2 million connected companies transacting nearly three trillion US dollars annually, the impact of SAP Ariba on the global economy is undeniable and growing. This community of buyers, suppliers, partners and business leaders has the power to make a positive impact on the world.


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The robust growth seen in the global economy this year is expected to spill over into 2018. Therefore, individuals should stay invested and maintain a risk-on mode next year as growth continues to pick up, say private wealth bankers and local fund managers.
"We have had such a friendly environment this year, and this is expected to extend into next year as the global economy is still improving. Investors have made money in various asset classes this year ... For instance, the MSCI All Country World Index is up 24% in US dollar terms this month. Bonds, which we have been more cautious about starting this year, have also generated 8% returns," says Standard Chartered Bank Malaysia Bhd head of managed investments and product management Danny Chang.
He adds that global economic growth this year was largely supported by the US economy, which is expected to continue to expand next year, judging from the low unemployment rate, stronger corporate earnings and gradually rising salaries.
In October, the International Monetary Fund forecast that the global economy should grow 3.6% this year and 3.7% next year, compared with 3.2% in 2016. The World Bank has forecast that the global economy will grow 2.7% and 2.9% this year and next year, up from 1.7% last year.
While China has maintained its path of slower growth, the European Union (EU) has seen unemployment rates trending downwards as corporates have shown healthy earnings under the European Central Bank's (ECB) bond-buying programme. Japan, the world's third largest economy, has grown for a seventh consecutive quarter, the longest streak in nearly two decades.
Apex Investment Services Bhd CEO Clement Chew says, "Our central view is that this is not the time for investors to bail out of their investments. The global economy is growing above-trend. The momentum is expected to extend into the first half of next year. Maybe it will ease off a bit in the second half, but it is still a very robust environment. Our projection is that global growth in 2018 should be about 3%."
More importantly, he says, global growth this year is well supported by strong corporate earnings, providing a solid foundation for next year's growth. Based on the MSCI All Country World Index, corporate earnings globally this year are generally positive, a stark contrast with 2016.
"Just by looking at the world's two largest economies — the US and China — their corporate earnings are good and analysts are revising [forecasts] upwards. This is supportive for higher share prices [globally] going forward," Chew says.
US growth expected to continue next year
Despite the positive news, investors are concerned that the global economic growth cycle is close to its peak. The US economy, which is now supporting global growth, could be edging towards a downward cycle sooner than expected. This would drag down global growth and send negative sentiment across the global markets.
After all, the US economy has experienced the third longest expansion in its history, lasting for 100 months since 3Q2009. The longest expansion period so far was from March 1991 to March 2001, which lasted for 120 months. The second longest was from February 1961 to December 1969 that lasted for 106 months.
"If the current US economic expansion continues until the second quarter of next year, it will be the second longest expansion streak in its history. If it lasts until the second quarter of 2019, it will be the longest," says Danny.
The US stock market, meanwhile, is at its all-time high. As at Dec 14, the Dow Jones Industrial Average hit 24,585.43 points, up 24% from the beginning of the year. The Nasdaq Composite Index has appreciated 26% from the start of the year.
In response, asset management firms in the US, such as Crescat Capital, are taking a short position on US indices. In its third-quarter investor letter posted on its official website, the firm says that the valuation of the US market is at its highest, based on several financial ratios — including price-to-sales, price-to-book and price-earnings.
However, other industry players, like Apex's Chew, differ. He says there are broad indicators showing that the US economic cycle might still have legs. He points to two commonly used indicators, the yield curve of the two-year and 10-year US treasury notes.
"To put it simply, a US recession usually happens when the yield curve flattens or becomes inverse. This has happened in the last seven recessions in the US, so this indicator works pretty well.
"It is still an upward slope for now, even though it has slightly flattened recently. The two-year note's yield is 1.8% while the 10-year yield is 2.3%. There are still about 50 basis points in between," Chew says.
Another indicator is the core inflation rate, which is equal to the federal funds rate minus inflation. The core inflation rate in the US rose more than 1.9% in previous recessions, he says. "It is now at negative 0.5% and I don't see it rising to that level next year."
US high-yield bond prices are another useful indicator. StanChart's Danny says these usually experience a correction six to nine months before the end of their economic cycle, but this has not happened so far. "Yes, the prices have come off slightly but it is not a massive sell-off. It subsequently rebounded."
These indicators might give investors more confidence and comfort in the US and the global economy going forward. However, Chew and Danny say investors should keep an eye on these indicators next year.
US tax reform could take global economy to the end of the cycle
A key event moving forward is the proposed US tax reform that aims to cut corporate tax from 35% to 21%, a significant reduction that could cause the US and global economies to heat up at a much quicker pace. This could lead to a higher-than-expected inflation rate if commodity prices trend upwards as well.
In addition, if President Donald Trump were to follow through with his plans and implement infrastructure spending, it would inject a huge amount of capital into the US economy and speed it up. More importantly, it could be a catalyst that causes the US and global economies to overheat.
"This [overheating] is a typical sign that the global economy is much nearer the end of its cycle. We are getting closer to that point. It might be a 2019 story, not next year's. That is our view at this juncture," says Danny.
He says another risk is that central banks of the largest economies are expected to unwind their quantitative easing programmes and embark on a rate hike cycle following in the footsteps of the US Federal Reserve. This could reduce market liquidity and cause an inflationary environment. "The Fed is now alone in unwinding its QE programme and hiking its rates. But the EU and UK are already on the verge of embarking on the same cycle. Japan might take a while longer, but certain parts of Asia are already preparing to hike rates. This includes Malaysia."
Amid a tightening cycle, the market's main concern now is Europe, not China, says Danny. When the ECB starts to tighten its monetary policy, will the EU economy continue to recover? Or has it become a "drug" that the economy cannot do without?
While he says he does not have the answer, Danny remains optimistic. "The EU's unemployment rate has started to come down. Consumer spending is beginning to go up and corporate profitability is rising. Its economy is starting to fire up."
Meanwhile, the Chinese government has been doing well in slowing down its economy, says Danny. "The markets have already seen what the government has done. The Chinese government is tackling shadow banking and is allowing default rates to slowly go up. It means non-profitable companies and industries may not be able to refinance their loans. They are doing the right thing."
The risk associated with China is that its government could "overdo" its tightening policy and trigger a series of defaults. This would create market volatility, which would see Asian high-yield bonds impacted the most as Chinese companies within the mining, property and other sectors issue about 40% of these bonds, says Danny.
'Overweight' on equities in a growth and reflation environment
Given the broader context, equities remain the key asset class that investors should focus on next year. Danny and Chew are "overweight" on equities.
In the case of Apex, Chew says the firm has deployed more funds into the markets this year and now has a cash level of 10%.
Danny adds, "Investors should lean towards slightly more risk-on. If you are still investing conservatively, like heavily into bonds, you should consider adding a small allocation to equities." Danny expects a reflation environment next year, which will drive investors to place their monies in risk assets (such as growth stocks) as company earnings are expected to improve, resulting in higher stock prices.
The StanChart 2018 outlook report, released on Dec 8, has a 40% probability for the reflation scenario to play out next year. This is compared to a 35% probability for a muddle-through scenario (structurally slow growth and low inflation); 15% for the global economy being too hot (sharp growth with rising inflation); and 10% for the global economy being too cold (slower growth and lower inflation).
CIMB-Principal Asset Management chief investment officer Patrick Chang says the rotation of money will continue towards the equity markets. "For most of the next 12 months, we will continue to be positive on equities versus fixed income. As long as earnings continue to deliver, we will continue to see growth. It wouldn't surprise me if at some point, there is some disappointment on the earnings side. There may be some corrections, but I think this is a natural occurrence in a bull market."
UOB Asset Management Bhd CEO Lim Suet Ling agrees with Patrick. After all, global economic indicators, such as the Purchasing Managers' Index, are showing good signs, she says.
"We are still 'overweight' on equity as the numbers shown by economic indicators are not slowing down. The price-earnings ratio of global equity is now around 16 times, so the earnings yield that you can get from the stock market is 6.25%. Meanwhile, the yield you would get for a two-year US bond, for example, is only 1.8%. If you are 'overweight' on equity, there is no doubt that you are taking a risk, but the risk-reward is skewed towards equity."
Northeast Asian countries to outperform
Private wealth bankers and local fund managers favour Asia-Pacific when it comes to equities, in particular the Northeast Asian countries, such as China and South Korea. The technology sector is a key driver in these countries and companies in the sector are expected to benefit from synchronised global growth.
"We split Asia into two markets. One is a more domestic-oriented market such as India, Indonesia, Thailand, the Philippines and Malaysia. The other is a non-domestic-oriented markets such as China and South Korea, which are more exposed to exports.
"The latter are also countries that are strong in the technology sector. You have Alibaba Group Holding and Tencent Holdings in China and Samsung Group in South Korea. The earnings of these companies have been strong in the Asia technology sector and it is where the future growth is," says Patrick.
Suet Ling, agrees, saying, "We are positive on China and South Korea. We are now waiting for a market pullback [as it has rallied a lot since the beginning of this year and there is more buy-in]."
She favours China's technology sector as its economy is transitioning from an old to a new economy. The trend is more than obvious. "Banks used to be the majority of the MSCI China Index at over 40%. Today, this has shrunk to about 20% while technology is about 40%. The technology sector in China is a force to be reckoned with."
Also on Suet Ling's radar screen are some Chinese companies within the consumer staple, healthcare and insurance sectors, which are expected to benefit from the continued growth of the country's middle-income group.
Affin Hwang Asset Management Bhd portfolio manager Lim Chia Wei likes South Korea's technology sector. He is keeping a close watch on some of its "internet companies and semiconductor producers".
He says the profits and earnings of some companies have been affected by the Chinese government's recent ban on Chinese tour groups visiting South Korea. In addition, the Chinese boycott of South Korean products has affected sales.
The boycott and the ban were implemented because South Korea decided to host the Terminal High Altitude Area defence, a US anti-ballistic missile defence system, amid rising tension with North Korea. The Chinese government sees this as a threat to its national security, explains Chia Wei. "However, in the past weeks, we have observed that China has softened its tone. There is even talk that the travel ban will be lifted. We will see how this affects the share prices of South Korean companies."
StanChart's Danny says Southeast Asian countries are less attractive compared with Northeast Asia, but they are still expected to perform well in a continuing global growth environment.
Patrick is "overweight" on Indonesia next year as its markets have started to price in potential pump-priming by the government prior to the country's 2019 general election. He favours the infrastructure and consumption sectors as the government is expected to make announcements that could spur the economy and put money back into people's pockets.
"There were a lot of political noises in the first half of this year. Consumer consumption is weak and government infrastructure spending has been subdued. However, we think President Joko Widodo knows that he has to be more populist in order to win the next election. Thus, more announcements are expected prior to the election ... I think we are seeing nascent signs of a recovery in consumption and that will drive an improvement in the Indonesian market."
Local market might perform better after election
On the local front, Apex's Chew says the country could start to look more appealing to foreign investors next year as the valuation gaps between the local market and its regional peers have started to compress. Also, the oil price, which is currently in the range of US$50 to US$60 per barrel, is positive for the local market. "We believe the local market will look more attractive to foreign investors going forward. We need more foreign investments ... not just local institutional investments."
The relatively subdued local market could be due to the upcoming general election, which is causing uncertainty. "Our view is that the local market will remain range-bound from now until the election is over," says Chew.
However, he is looking for opportunities outside the local benchmark index and beyond the more traditional financial, property and commodity sectors. "There are companies outside these traditional sectors that are globally competitive and are able to tap the supply chain of the global market. They are very strong in their niches. Many of them are mid and small-cap companies, but some of them are quite large."
SKP Resources Bhd, a plastic contract manufacturing company, is one of them, he says. "The company secured a RM2 billion contract with Dyson Ltd, a British technology company, in the middle of this year to manufacture its hairdryers. It is not easy to get such an international contract. This is a company we are looking at."
Inter-Pacific Asset Management Sdn Bhd CEO Lim Tze Cheng favours small and mid-cap semiconductor companies that are involved in testing equipment for electrical and electronic components. He says these companies are expected to benefit from the stronger future sales of electric cars as more E&E components are needed for these cars.
"Global electric car sales are only about 1.5% this year compared with [regular] car sales. There is still room for growth going forward," he says.
Meanwhile, Danny says investors could still look at the financial sector as the central bank is expected to raise rates next year, which could bring some surprises to banks' earnings.
Bonds, gold and alternative investments
While risk assets such as equities are in favour, fund managers are "underweight" on bonds.
"I would be 'underweight' on bonds. The Fed is now increasing interest rates and major central banks globally are expected to start tightening their monetary policies. This is negative for bond prices. Also, if you look at the equity valuations, in general, they still look more attractive than that of bonds. Bonds are trading close to their 30-year high," says Apex's Chew.
UOB's Suet Ling agrees. She says: "The global economy is expanding and the Fed is normalising interest rates. This does not bode well for bond prices. We still expect bonds to give us about 3% to 5% total return, which is less attractive than equity's 6.25%."
However, there are still pockets of opportunity within the bond universe, says StanChart's Danny. Developed market high-yield bonds have performed well, starting this year, generating 8% to 10% returns, which is half that of equity. Valuations have gone up as well. "In the middle of this year, we tilted our view. The next leg is emerging market hard-currency government bonds."
Danny says this is because global investors are still "hungry for yield" while the interest rate is only rising gradually in certain parts of the world. Also, synchronised global growth always bolsters emerging market economies.
"Some investors are worried that the Fed embarking on a rate hike cycle is not good for emerging markets. But if you look at the history, emerging market [hard-currency] government bonds did well in the last Fed rate hike cycle starting in 2003. This is because the US economy was growing, firing on all cylinders, and it bodes well for the global economy and emerging markets. We are now in that kind of environment," he says.
Also, the US dollar is expected to weaken next year, according to the bank.
"We are moderately bearish on the US dollar next year. We think the strength of the US dollar is already aligned based on the market's expectation of the Fed rate hike. We believe the possibility of the Fed hiking interest rates faster than expected is remote, given the current US inflation backdrop. The modestly weaker US dollar and more attractive yield augurs well for emerging-market, hard-currency government bonds. We have a strong conviction on this," adds Danny.
Meanwhile, gold — which is seen as a hedging tool for inflation and "insurance" against macroeconomic meltdown — does not look attractive to fund managers next year.
Danny does not see inflation picking up rapidly next year, which means gold prices might not see a strong rally going forward. However, investors should not allocate more than 5% to gold in their portfolio in case inflation picks up faster than expected, he says. "Don't forget, there is still a 15% probability of the global economy getting too hot next year. The impact of the US tax reform on its economy remains unclear for now."
Chew says gold prices tend to move inversely against interest rate movements and the current increasing rate environment might not hit gold prices. "I don't see gold as exciting. It tends to do well when there are economic crises and market uncertainties [but this is not the main case for next year]. Buying it is more to prepare for unexpected events."
Recently, new alternative asset classes, such as peer-to-peer (P2P) financing and cryptocurrency, have emerged. Should investors be looking at them?
Danny says he believes personally that P2P is definitely an asset class that will grow over the year based on the experience in developed countries. An example would be Lending Club, a company operating a P2P financing platform that is listed on the New York Stock Exchange. "I personally believe it will take off locally when the awareness is there. It is definitely an alternative investment that investors can look into."
However, he says investors should always adhere to the basic principle of diversification and be prepared for default. "To me, P2P financing is similar to high-yield bonds. The risk of default is higher and it will certainly happen sooner or later. Investors have to be aware of the risk they are taking and be prepared for it. Also, these are start-ups, and there is a possibility that one might not work out. This is why it is important for investors to diversify their investments not only into different notes but platforms as well."
On cryptocurrency, Danny says investors can view it as an alternative asset, like wine or watches, and take a calculated risk to invest a little money in it. "Being a value investor, I'm more comfortable investing in P2P than bitcoin. The real challenge the industry is facing now with cryptocurrencies is determining their intrinsic value."
Key events in 2018
Here are events to wat ch out for that could shape financial markets across the globe next year.
1. US tax reform
The US tax reform is expected to cut corporate tax from 35% to 21%. This could add fuel to the growth of the US and the global economy. If President Donald Trump implements infrastructure spending as he promised, coupled with commodity prices trending higher, these could cause the global economy to overheat and push it to the end of its cycle.
2. Major central banks unwinding their balance sheets
This could reduce market liquidity and disrupt the market. JP Morgan head of quantitative and derivative strategy Marko Kolanovic said in October that it could "trigger a financial crisis". The unwinding of the G4 central banks' balance sheets would involve US$15 trillion in total. However, Apex Investment Services Bhd CEO Clement Chew says the G4 central banks' total balance sheet will continue to increase despite the US Federal Reserve unwinding its position. "The G4 balance sheet is only expected to start turning negative in 2019."
3. Tension between President Donald Trump and Kim Jong-un, the supreme leader of North Korea
Trump and Kim have been trading insults in the past few months and it appears that the tension between the two countries has increased. Recently, the US Military conducted joint training operations with South Korean forces, simulating the removal of nuclear weapons from North Korea if war breaks out. While Inter-Pacific Asset Management CEO Lim Tze Cheng sees the North Korea threat as a recurring event once every few years, he is more worried this time. "There are more uncertainties this time as Trump is more unpredictable and volatile," he says. If war were to break out, the Korean Peninsula would be the first to bear the brunt and the impact on the economies of North and South Korea would be felt for years to come. It would certainly cause global growth to slow and send negative sentiments across global markets.
4. Negotiation of the North America Free Trade Agreement between the US, Mexico and Canada
As Mexico and Canada are key trading partners of the US, the outcome of the negotiations will show if the Trump administration will adopt a protectionist approach to trade policy. While the outcome of the negotiations is hard to predict, a withdrawal of the US from Nafta would cause a new round of volatility in the markets of the three countries. "The market could extrapolate a larger global trade war," said Daniel Clifton, head of policy research at Strategas Research , to CNBC last month.
5. Malaysia's 14th general election
Anticipation of GE14 is suppressing the local market as it creates uncertainty in the market. "Our view is that the market will go nowhere before the election next year," says UOB Asset Management Bhd CEO Lim Suet Ling. Once it is over, the market could be lifted as foreign funds start to pour in. This could be due to the relatively attractive valuations of the local market compared with its peers. "The gap between the local market and its regional peers has been suppressed this year. It has become more compelling to foreign investors," says Apex's Chew.


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Rory Wilson spent five years in the Royal Navy, before studying architecture and qualifying as an architect in 2001.
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BSc(hon) ArchitecturalTechnology - First Class
Having worked with the Local Authority for many years, Glyn obtained a first class degree in Architectural technology in 2010, whilst working with Ceredigion County Council's Architects Department. He has worked on many new build and refurbishment educational and domestic projects and has extensive experience of technical design in this field.
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Zeta has worked in practice undertaking both contemporary and historic architectural projects, including interior design, furniture design and branding. Zeta's key interest lies in place specific contemporary architecture.
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After successfully completing a 'Bachelor of economic and social studies in business and management' degree in 2007, Lyndsey became Showroom Manager for a local business. Shethen held a position as advertising officer for a regional newspaper, before becoming Duty Manager at The Cambria - managing conferences, offices, and student accommodation lettings.
Now, as Practice Manager for Catalina Architecture + Design, Lyndsey makes full use of her skills whilst continuing to train in relevant aspects of business management.
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James trained as an Architectural Technician at Manchester College of Building. Holding senior positions in both architectural private practice, and contracting, James has a combination of design and practical experience across a range of building types. Through this he has a thorough understanding of materials, the construction process and contractor's information needs, as well as exceptional commercial awareness.
James is also a skilled and creative furniture maker.
His specific architectural interest lies in the repair and conservation of historic buildings.


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WEDZE Women's Ski base layer top 900 - BlueWEDZE
From To
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"This baselayer top packs an impressive amount of features into an affordable package." fall-line.co.uk (December 2019)
Technical Information
The 900 base layer comes in a SLIM fit.
It is like a second skin that hugs the body, which limits rubbing.
Polyamide has the highest strength of all textile raw materials (even when wet) and is very stretchy.
It is breathable while providing very good moisture management, a reduction of odours thanks to its natural properties as well as good temperature regulation.
Blended with polypropylene or Dry Yarn, this hydrophobic yarn enables very good wicking away of perspiration.
Thanks to the intelligent 3D knitting, Deep Insulation compartments are formed. These are insulation compartments that trap warm air from your body to serve as a buffer against the cold.
All you need are 3 hi-tech layers to keep you warm on the slopes. Layer 1, or second skin, to keep dry. Layer 2, or insulating layer, to conserve heat. Layer 3, or protective layer, to protect against bad weather.
The product's environmental footprint is calculated for its entire life using various indicators.
A score from A to E is given to help you easily identify the most eco-friendly products by comparing products of the same type (T-shirts, trousers, backpacks, etc, ...)


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Media firm Deltatre ready to move into U.S.
|Deltatre helped rights holders deliver coverage on multiple devices from the Rio Olympics. Its online sports video player carries the brand Diva (below).
Claude London will run the company's U.S. operations as president of Deltatre Americas. The ex-Google director will manage staff in three U.S. offices — one in New York, one in Los Angeles and a soon-to-be-opened office in San Francisco's Bay Area.
Deltatre's business involves livestreams and over-the-top systems, putting it in competition with U.S. companies such as BAMTech, NBC's Playmaker Media and Turner's iStreamPlanet. Deltatre also specializes in providing graphics and data for rights holders and media companies.
"For 10 months, we've been working hard to build our business to bring to the States," said Deltatre CEO Giampiero Rinaudo. "America is a very competitive market. It's also a huge market. We are noticing a lot of American properties going to Europe and Asia and a lot of European properties going into the United States. Because of our presence on these continents, we think we are the ideal choice."
It's not clear how many people Deltatre will hire, but London said the positions will include everything from sales and marketing executives to operations executives. London will work out of the Bay Area office, but he joked that he really would be based on a plane.
Andrea Marini, Deltatre executive vice president, will move to the U.S., be based in the New York office, and work with London to build out the company's U.S. business, which is a new focus for the 30-year-old company that already is well-established globally with clients ATP, FIFA, Premier League and UEFA.
Last June, George Pyne's Bruin Sports Capital acquired Deltatre for an undisclosed amount with the idea that it would come to the U.S. market eventually. In an announcement that is expected to be released this week, Deltatre said this "is the first in a series of major announcements planned by Deltatre over the next several months as part of its American expansion."
To win U.S. business, Deltatre's pitch will focus on its independence in supporting rights holders and their partner broadcasters. In some cases, Deltatre will partner with the property, while in other cases it will make deals with broadcasters.
"We're not in the business of acquiring their rights," London said. "We're not in the business of competing with them. We want to support their ambitions and we want to do this both in the Americas and internationally."
While a lot of competition exists, London said this is the right time to build up streaming services and over-the-top platforms.
"I see a moment of huge opportunity for rights owners specifically and their partner broadcasters to really take advantage of what's happening in the landscape," he said.


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Stretch marks (SM) or Striae distensae are linear scars in the dermis which arise from rapid stretching of the skin over weakened connective tissue. SM result from rapid expansion of the underlying tissue, e.g. during puberty, pregnancy or rapid weight gain.Many women (50 to 90%) develop stretch marks especially during pregnancy. Stretch marks are not an illness, but women are distressed about the change in the physical appearance of their skin during/after pregnancy. Several creams have been claimed to remove these stretch marks once they have developed, however there is no reliable evidence to support such claims. As women are more cautious about their prettiness throughout lifetime, the products which could improve the status of the beauty are most welcomed. Therefore constant or increasing market for cosmetic products is sustained in India. From the medical point of view these scars are completely harmless, but they are a widespread cosmetic and psychological problem. Treatments that have been used to improve the appearance of existing stretch marks include laser treatments, laser dermabrasion, topicalretinoids and exfoliation. Laser treatmentduring pregnancy / lactation is contraindicated, therefore use of topical application is more recommended for the treatment of stretch mark. The treatment of this disease has been a challenge for clinicians and scientists for a long time. Any topical treatment which could prevent the development of stretch marks would be appreciated by female community because mentally they are very much upset about the skin appearance.
Hence there is a huge market for over-the-counter products that claim to prevent or improve SM.
Herbal Based Medication to Cure Post Pregnancy Stretch Marks
Even though absence of research work at national level, few over-the-counter products are available in the Indian Market, for example (i) Aloederm from Fem Care Pharma Ltd. (ii) Stretchnil- Pregnancy stretch mark cream from Gufic Biosciences Limited, (iii) StriaStretch marks cream from Goodlooks (India) etc., (iv) Dhathri Scar Cream from Dhathri Ayurveda Group etc.,
In international market a number of over-the-counter products available for the treatment of SM. In South Africa, an oil-based cosmetic formulation (Bio-OiITM) has been produced and marketed since 1987. It is also marketed in 17 other countries. Other products includes (a) Lift Activ Nuit, from L'Oreal, Paris (b) Scar + Stretch Mark Skin Cream from Provenance Solutions, U.K. (c) Finale Stretch Mark Removal Cream
from Nanomed Co. Ltd., Thailand (d) Marksplex Stretch Marks cream from Marksplex, US (e) Mederma Stretch Mark Therapy from Mederma, Germany (f) Goodbye Stretch Marks from Mama Mio Skincare Ltd., USA (g) Mamaform from OM Trade GmbH, Switzerland etc., Still, huge market demand for an effective product to cure stretch marks is predicted. Hence the research based product with high efficacy can tap considerable market share.
Product developed at R&D , ready for market through AYUSH guideline
Scaling up of production. Post market surveillance study
Hyaluronic acid (HA) is a major component of synovial fluid and cartilage. HA is responsible for theviscoelasticproperties(shock absorbingandlubricating abilities) of synovialfl
Candida spp. are the frequent cause of fungal infections which leads to a range of life threatening invasive to non-life threatening mucocutaneous diseases. They include Candida