text:
Certain assignments given to a bank by a contractor who was a party to a building contract were each interpreted as covering only a payment in a specific amount due to the contractor under the contract as of a particular date for particular items already performed or furnished by him. [559-560]
Provisions of a building contract requiring certificates of the architect prior to the making of payments by the owner and prohibiting assignments of money due the contractor without the consent of the owner were for the benefit of the owner, who ceased to insist upon observance of such provisions when, pursuant to a consent decree in a suit in equity, he paid into court a sum owed by him under the contract for disposition as between trustees in bankruptcy of the contractor and an assignee of the contractor, and thereby effected an informal interpleader. [557, 558, 563-564]
Subject only to the rights of the owner under provisions of a building contract requiring certificates of the architect prior to payments by the owner and prohibiting assignments of money due the contractor without the owner's consent, a written assignment by the contractor to a creditor of a specific amount already earned by the contractor, even if not then payable, constituted a completed assignment of an "account" within G. L. c. 107A, Sections 1, 2; and, when subsequently the owner paid such amount into court and ceased to insist upon observance of such provisions of the contract, the assignee became entitled to such amount as against trustees in bankruptcy of the contractor. [564-566]
BILL IN EQUITY filed in the Superior Court on April 8, 1959.
The suit was heard by Tauro, J.
Jules E. Angoff (Walter J. Hurley with him) for the United States Trust Company.
John C. Kane for the New England Telephone and Telegraph Company.
M. Arthur Gordon (Julius Thannhauser with him) for the plaintiffs; Daniel B. Bickford, Assistant United States Attorney, also with him.
Page 556
CUTTER, J. This is a bill in equity, filed by the trustees in bankruptcy (the bankruptcy trustees) of Charles A. Mogavero Co., Inc. (Mogavero), for declaratory relief concerning a fund of $63,758.44 paid into court by the telephone company (Telephone). The fund is claimed by the bankruptcy trustees and by United States Trust Company (the bank) under purported assignments to it by Mogavero. An involuntary petition in bankruptcy was filed against Mogavero on January 24, 1958, upon which Mogavero was adjudicated a bankrupt. An interlocutory decree, entered by consent on October 17, 1960, directed Telephone to pay the fund into court. The parties filed a statement of agreed facts. [Note 1] By the final decree it was ordered that the whole fund be paid to the bankruptcy trustees. The bank appealed.
Mogavero from 1955 through 1957 made five construction contracts [Note 2] with Telephone. Two contracts were on a lump
Page 557
sum basis. Three were on a cost plus a fixed fee (CPFF) basis. Each contract provided (art. 33 of the general conditions), "Neither party . . . shall assign the contract . . . without the written consent of the other, nor shall the contractor assign any moneys due or to become due to him hereunder, without the previous written consent of" Telephone.
During the period May 31 to September 18, 1957, Mogavero borrowed substantial sums from the bank, and gave to the bank demand collateral notes, which bore the personal endorsement of the treasurer of Mogavero. As of September 18, 1957, $70,000 remained due from Mogavero to the bank.
Mogavero executed and delivered to the bank instruments on "accounts receivable assignment forms of the bank" simultaneously with some of the notes. Each such assignment purported to assign certain accounts described on the reverse of each instrument, where, under the title "Accounts Assigned," appear (a) the dates of the accounts assigned, (b) the name of Telephone as the debtor (with, in each case, usually a somewhat blind reference to the particular contract), (c) the amount of each account, and (d) at the bottom of the sheet, a statement of the "loan against this schedule." These assignments extended from May 28 through September 11, 1957, and the aggregate amount attempted to be assigned by these instruments was in excess of $100,000.
On September 24, 1957, the bank wrote to Telephone that it held "assignments of [the] contracts and all receivables arising thereunder" and requested Telephone to "make all payments to" it. Mogavero wrote to Telephone that the "monies due us" on the contracts "have been assigned to
Page 558
the" bank, and authorized payments direct to the bank. Telephone replied refusing consent and calling attention to art. 33 of each contract. Telephone never consented to any assignment unless the interlocutory decree of October 17, 1960, "is by implication an assent."
Mogavero, upon receiving checks from Telephone, delivered them to the bank to apply to Mogavero's debt. Telephone "had no notice or knowledge of this practice." There is no other evidence, than that summarized above, of what sums were due from Telephone to Mogavero as of the dates of the purported assignments, respectively, which (as already noted) purported to assign specified accounts then due. "In no instance . . . was there an architect's certificate for payment of any part of the sum remaining unpaid" under any of the five contracts. Such a certificate was contemplated by arts. 24, 25, and 26 of the general conditions of each lump sum contract. [Note 3] Comparable provisions for architect's certificates were contained in each CPFF contract. [Note 4]
The trial judge in his order for a decree ruled that the bank and Mogavero were bound by art. 33 of the general
Page 559
conditions of the contracts with Telephone, and that Telephone "did not waive the provisions of" art. 33 by assenting to the interlocutory decree of October 17, 1960. He stated that he was "not satisfied" (a) that at the time of the bankruptcy petition there were due from Telephone to Mogavero the sums of money Mogavero had attempted to assign to the bank, or (b) "that, at the time various assignments were attempted by . . . Mogavero . . . to the" bank, the sums so assigned "were due from . . . Telephone . . . to Mogavero."
The bank contends that it is entitled to the fund by virtue of Mogavero's assignments to it. The bankruptcy trustees contend, among other things, (a) that the assignments were invalid because of art. 33, (b) that, when the assignments were made, there were no accounts in existence to be assigned, and (c) that no assignments of future accounts, or of money to become due, were made. [Note 5]
1. Mogavero by each assignment purported to assign to the bank "the claims, or the accounts receivable, . . . contracts, and . . . other choses in action . . . collectively referred to as `the accounts' . . . described in" the assignment form. It also warranted, among other things, that the account represented "a bona fide sale," that the account assigned was "owing to" Mogavero, that there existed no offset thereto, and that any check, due on the accounts, which should "come to" Mogavero would be accepted as the bank's property "and be immediately transferred to the . . . [bank] in the same form in which . . . received."
We find in the assignment forms and in the collateral note forms no sufficient indication of any intention to assign either (a) the contracts themselves, or (b) money to become due in the future under the contracts, except, perhaps, money later payable because of the specific items mentioned in the schedule, where the items are described very briefly and ambiguously. We interpret each assignment as covering only the payment for the particular work performed or
Page 560
other items furnished, referred to in the schedule on that assignment, stated to be due under a specified contract, as of a particular date, and in a specific amount. If a broader assignment had been intended, appropriately broad, explicit, descriptive language should have been used in the schedules. There is thus no occasion for us to consider what the situation would have been if the assignments adequately had referred to money due, or to become due, under a particular contract or contracts. Cf. Claycraft Co. v. John Bowen Co. 287 Mass. 255, 257 ("money due and to become due" under a particular contract); Great Am. Indem. Co. v. Allied Freightways, Inc. 325 Mass. 568, 570-571; Manchester Natl. Bank v. Roche, 186 F. 2d 827, 829 et seq. (1st Cir.); Pomeroy, Equity Jurisprudence (5th ed.) Section 1283.
The facts vary somewhat from contract to contract. See fn. 2, supra.
(a) 245 State Street, Boston, and 10 Ware Street, Cambridge. Work on these CPFF contracts was completed on June 1, 1957. The only money paid into court, allocable to the State Street contract, was $668.36, the unpaid balance of Mogavero's fixed fee. This was listed on an assignment dated August 9, 1957, along with $937.92, which probably is an overstatement of the fixed fee balance ($920.22) on the Cambridge contract, in fact the only money later paid into court on that contract. The $937.92 item had previously been listed on an assignment dated May 28, 1957. The record does not disclose any offset to these amounts, or that any more was due [Note 6] on these contracts respectively. The assignment of August 9, 1957, we regard as intended to transfer, so far as Mogavero could, all Mogavero's rights to payment of the $668.36 unpaid balance on the State Street contract, and as unaffected by Mogavero's attempted assignment (see fn. 6, supra) on August 30, 1957, of $4,500. We infer that the assignments of May 28, 1957, and August 9, 1957, of $937.92 refer to the $920.22 balance of fixed fee
Page 561
on the Cambridge contract, which Telephone later paid into court, although no invoice or other document identifies the item.
(b) East Boston. The work on this lump sum contract had been completed as of September 17, 1957, but the record does not show how much earlier. There was then unpaid $2,087.51 of the contract price. On May 28, 1957, Mogavero purported to assign $1,920 as due under this contract, but without further identification by invoice or otherwise. In the absence of indication of any dispute about what had been earned upon this contract, we infer that the assignment of May 28, 1957, was intended to transfer to the bank a security interest in $1,920 of the slightly larger amount remaining unpaid under the East Boston contract.
(c) 175 Adams Street, Dorchester. There are "no items which . . . Mogavero . . . had failed to perform" under this CPFF contract. The record does not show when work was finished. Telephone has paid into court $16,801.42 on account of this contract. Of this sum $11,368.51 represents "work, labor, and materials of Mogavero's subcontractors who have not been paid." $3,544.21 represents work by Mogavero. $1,888.70 is the unpaid portion of the fixed fee.
Mogavero was not entitled, on the date of any purported assignment of amounts payable under this contract, to any part of the $11,368.51 for work and materials of Mogavero's still unpaid subcontractors. Telephone's obligation (see fn. 4, supra) was only to "reimburse" Mogavero. The bank has not shown that any assignment to it of an amount under the Dorchester contract was adequately identified as then owing or that it was an item for which any part of Telephone's payment into court was made. We hold (without considering the effect of art. 33 of the general conditions or the absence of the architect's certificates) that the record fails to disclose that any one of these assignments was effective at all, because there is no showing of any indebtedness of Telephone, existing on the date of the assignment, to which could apply such a purported assignment of amounts then earned by Mogavero.
Page 562
(d) Hingham. On September 17, 1957, various items had not been completed on this lump sum contract. The principal deficiency related to the elevator electric wiring. As of that date Telephone had paid a substantial amount to Mogavero for work done by subcontractors. Mogavero had held back from them a large part of this. Litigation by Westinghouse Electric Corporation (Westinghouse), the elevator subcontractor, was settled, after the date of the bankruptcy petition and with the consent of the bankruptcy trustees, by direct payment of $9,463.85 by Telephone to Westinghouse under art. 21 (see fn. 3, supra) for completing the subcontract, which it did about December 2, 1958. Telephone has paid $43,280.93 into court in respect of this contract pursuant to the interlocutory decree of October 17, 1960. This payment, added to the direct payment to Westinghouse ($9,463.85), makes a total payment of $52,744.78. There is no showing that the subcontractors, who on September 17, 1957, had not been paid, were ever paid by Mogavero the amounts owing to them. There is no adequate correlation between amounts assigned and amounts shown by the record to be due on September 17 or on any other date. The bank also has not established that, at least up to the date of the bankruptcy petition, (a) Telephone could not have invoked the provisions of art. 21 of the general conditions (see fn. 3, supra) and itself performed any work not done properly, or (b) that the architect would not have been free to deny a certificate under art. 26 because of Mogavero's failure to pay subcontractors. Claims for payment, in fact subject to such uncertainties, were not sufficiently established in amount and sufficiently clearly owing to be transferred by assignments which we interpret as covering only amounts then due.
We hold that the assignments, in any event, did not transfer to the bank any interest in any amounts, other than (a) the balance of fixed fee under the State Street contract, $668.36; (b) the fixed fee balance under the Cambridge contract, $920.22; and (c) $1,920 of the amount ($2,087.51) paid into court on account of the East Boston contract. There
Page 563
is no occasion for further consideration of any amounts other than these sums.
2. Article 33 of the contracts was valid. Federal Natl. Bank v. Commonwealth, 282 Mass. 442, 450. Security Natl. Bank v. General Motors Corp., ante, 434, 442, and cases cited. [Note 7] This prohibition of assignments, however, was for the benefit of Telephone and did not prevent an assignee (under an assignment otherwise valid) from acquiring rights against the assignor, subject, however, to Telephone's interest in enforcing the prohibition. See Jennings v. Whitney, 224 Mass. 138, 143; Commercial Cas. Ins. Co. v. Murphy, 282 Mass. 100, 105-106; Russo v. Charles I. Hosmer, Inc. 312 Mass. 231, 235; Restatement: Contracts, Section 176; Williston, Contracts (3d ed.) Section 422, p. 140; Corbin, Contracts, Section 873, p. 496. See also Staples v. Somerville, 176 Mass. 237; In re Bresnan, 45 F. 2d 193, 197-198 (D. Md.). Cf. Federal Natl. Bank v. Commonwealth, 282 Mass. 442, 450-451.
It is stipulated that, apart from the events attendant upon the interlocutory decree of October 17, 1960 (entered long after Mogavero became bankrupt), Telephone "at no time consented . . . to any assignment" of monies due from it to Mogavero. Telephone, by paying the fund into court, recognized that it owed the money to someone, and obtained (a) the consent of all interested claimants to a statement of the liability and (b) an effective bar to the collection from it of any further sum and to the running of interest. Telephone thus ceased to assert its right to have the architects' certificates before making any payments. Similarly, it ceased to have standing to rely upon art. 33, for it had in effect agreed that the court should be stakeholder of a fund to which Telephone no longer had any claim. The interlocutory decree effected an informal interpleader. See Savage v. McCauley, 301 Mass. 162, 164-165. See also Conway v. Kenney, 273 Mass. 19, 22; Cochrane
Page 564
v. Janigan, 344 Mass. 296, 302; Freeny v. Bauernschmidt, 33 F. 2d 709, 712-713 (4th Cir.). Telephone could then have been discharged as a party. See Connecticut Mut. Life Ins. Co. v. Allen, 235 Mass. 187, 189. At least until the date of the bankruptcy, however, Telephone remained free to pay directly to Mogavero, without regard to the assignments, any amount owed by it under the contracts, and to insist, for its own protection, upon the architect's certificates (see fns. 3 and 4, supra) before making payments.
3. General Laws c. 107A (inserted by St. 1945, c. 141, but repealed by St. 1957, c. 765, Section 2, except as to transactions prior to October 1, 1958, see Section 19), governed the assignment of any items shown to be owing on the date of the assignment. Chapter 107A, Section 1, defined "account" as "an account receivable." The term includes "sums owing, although not yet payable, under an existing contract, but not sums to become due for goods not yet completed or services not yet rendered" (emphasis supplied). See Craig, Accounts Receivable Financing, 65 Harv. L. Rev., 627, 629-631; 42 B. U. L. Rev. 187, 190. Section 2 provided that an "assignment of an account transfers from . . . [its] date . . . all rights which the assignor has power to transfer and shall . . . be deemed to be . . . fully perfected as of the date it is made" (emphasis supplied), if in writing and for value and if the assignee takes in good faith, "whether or not . . . the account debtor assents to the assignment." We do not interpret the provision last cited as making invalid art. 33 of the several contracts, in the absence of a clear statement to that effect such as is found in Section 9-318 (4) of the Uniform Commercial Code (see fn. 7, supra). See comments, Mass. Ann. Laws, Spec. Supp. 1958 (c. 106), pp. 827-829. We interpret Sections 1 and 2 as applying only to "true accounts receivable [where] the assignor has performed and nothing remains to be done in the transaction except the payment of the agreed price by the account debtor." See Malcolm, Explanation and Analysis of St. 1945, c. 141, 30 Mass. L. Q. (No. 2) 26, 34-35. Cf. Aetna Cas. & Sur. Co. v. Harvard Trust Co. 344 Mass. 160, 176-177.
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We think that, as between the bank and Mogavero, the three amounts ($668.36, $920.22, and $1,920) still under discussion were "accounts" within G. L. c. 107A, Section 1, as "sums owing," which, subject to any rights Telephone might assert, Mogavero had "power to transfer" (see c. 107A, Section 2) despite the requirement of an architect's certificate. Even if "not yet payable" when assigned, the amounts assigned would be "accounts" under Section 1. Upon the agreed facts, these items had been earned. The purpose of the architect's certificate was only to verify that fact for Telephone's protection, and a certificate could hardly have been refused on the agreed facts. See Corbin, Contracts, Sections 650-652, 756. See also Restatement: Contracts, Section 303. Cf. G. L. Rugo & Sons, Inc. v. Lexington, 338 Mass. 746. Accordingly, under G. L. c. 107A, Section 2, these assignments were complete when made, subject only to Telephone's rights under art. 33 and its right to require the architect's certificate, each for its own protection.
Such an assignment of an account was, under Section 2, one as to which "no existing or future creditor of the assignor . . . [could] acquire any . . . lien . . . superior to or in diminution of the rights of the assignee." This provision was framed to meet the supposed requirements of the 1938 amendment of Section 60 (a) of the Bankruptcy Act, discussed in the article already cited, 30 Mass. L. Q. (No. 2) 26, 28-34. See also Collier, Bankruptcy, Section 60.38; Braucher and Sutherland, Commercial Transactions (2d ed.) 149-152, 166-174. Such an assignment under c. 107A, Section 2, seems to us to satisfy the requirements of the 1950 amendment of Section 60 (a) (2), now found in 11 U. S. C. Section 96 (a) (2) (1958), as one "so far perfected that no subsequent lien upon such property obtainable by legal or equitable proceedings on a simple contract could become superior to the rights of the transferee."
We recognize that, with respect to unallowed claims against the United States, Federal courts have reached a different conclusion. See Matter of Ideal Merc. Corp. 244 F. 2d 828, 832 (2d Cir.), cert. den. sub nom. Ideal Merc. Corp. v. Gallant Fabrics, Inc. 355 U.S. 856. See also Mayo
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v. Pioneer Bank & Trust Co. 270 F. 2d 823, 834 (5th Cir.), cert. den. 362 U.S. 962; Matter of Sussman, 289 F. 2d 76, 78 (3d Cir.). We view, however, the Ideal Merc. Corp. case and similar decisions as resting upon the statutory policy against assignments of such unallowed claims expressed in the Assignment of Claims Act, 31 U. S. C. Section 203 (1958). Cf. Martin v. National Sur. Co. 300 U.S. 588, 596-598. The policy behind c. 107A seems to us to be different. It tends to support the early perfection of assignments made in compliance with its provisions. See Costello v. Bank of Am. Natl. Trust & Sav. Assn. 246 F. 2d 807, 809-813 (9th Cir.), in which weight was given to the remedial purpose of statutes (like c. 107A) in aid of "non-notification financing of accounts receivable." See also Blackford v. Commercial Credit Corp. 263 F. 2d 97, 104-105 (5th Cir.), cert. den. 361 U.S. 825. Cf. Miami Natl. Bank v. Knudsen, 300 F. 2d 289, 290-296 (5th Cir.).
4. The final decree is to be modified to declare the rights of the parties in accordance with this opinion and to order that there be paid (a) to the bank the aggregate sum of $3,508.58 ($668.36 plus $920.22 plus $1,920) and (b) to the bankruptcy trustees the balance of the principal amount paid into court by Telephone pursuant to the interlocutory decree of October 17, 1960. The interest, if any, earned upon the deposited fund is to be apportioned between the bank and the bankruptcy trustees in proportion to the principal amounts payable to them respectively. [Note 8] No costs of this appeal are to be paid to any party.
So ordered.
[Note 1] The United States of America intervened to enforce certain tax liens against Mogavero, notices of which were filed in the Boston city clerk's office on December 27, 1957. It has been stipulated that no finding (see fn. 8, infra) is to be made as to the rights of the United States in the event that payment of the fund to the bankruptcy trustees is ordered. The United States has not appealed from the final decree. Upon motion of Telephone, process was issued joining certain subcontractors or suppliers of Mogavero as additional parties. All intervention petitions filed by these persons have been dismissed, because the interveners had elected to prove claims in the bankruptcy court for the amounts owing to them respectively.
[Note 2] The facts as to these contracts may be summarized:
|Contract and Date
|Work not done Sept. 17, 1957
|Amount paid into court under interlocutory decree Oct. 17, 1960
|Purported Assignments -- Dates of Accounts
Oct. 26, '56
(Lump sum)
|Elevator work incomplete. Miscellaneous other items to be corrected. Various suppliers and subcontractors unpaid.
|6/4/57 -- $2,525.27,7/12/57 and 7/10/57 -- $4,404.80 and 7/24/57 -- $50,362.59
Mar. 19, '56
|Work completed June 1, 1957. Balance of Mogavero's fee unpaid -- $668.36
|8/9/57 -- $668.36, 8/30/57 -- $4,500.00, 9/6/57 -- $5,841.78 (not clear that this assignment refers to this contract).
Nov. 7, '55
(Lump sum)
|Work completed. Balance of price unpaid -- $2,087.51
|5/28/57 -- $1,920.00
Apr. 6, '56
|Work completed June 1, 1957. Balance of Mogavero's fee unpaid -- $920.22
|5/28/57 -- $937.92, 8/9/57 -- $937.92
Apr. 30, '57
|Various subcontractors unpaid but work completed.
|5/31/57 -- $8,574.09, 8/21/57 -- $9,338.00, 9/6/57 -- $15,810.51
[Note 3] Article 24 required Mogavero to submit to the architect "an application for each payment" (including, of course, progress payments). If (art. 25) "the contractor has made application . . . the architect shall . . . issue . . . a certificate for such amount as he decides to be properly due, or state . . . his reasons for withholding a certificate. . . ." Article 26 provides that the architect "may withhold . . . any certificate . . . to protect the owner from loss on account of: (a) Defective work . . .. (b) Claims filed . . . [or probable]. (c) Failure of the contractor to make payments . . . to subcontractors . . .. (d) A reasonable doubt that the contract can be completed for the balance then unpaid. . . ." The architect was to inspect the work (arts. 4 and 5 of the contract) and issue a final certificate, after the contractor had shown "that all payrolls, material bills, and other indebtedness . . . have been paid." If Mogavero (art. 21, general conditions) should fail to perform any contract provision, Telephone, after notice to Mogavero, could "make good such deficiencies and . . . deduct the cost . . . from the payment then or thereafter due" subject to the architect's approval.
[Note 4] The contractor was to deliver each month to the architect "a statement . . . showing in detail . . . all moneys paid out by him on account of the cost of the work during the previous month." The architect was to "check the . . . statements . . . and . . . promptly issue certificates to the owner for all such as he approves, which certificates shall be payable on issuance." The undertaking of Telephone, under these (CPFF) contracts, was "to reimburse . . . [Mogavero] all costs . . . incurred for the . . . work and paid directly by" Mogavero. Telephone, after notice to Mogavero, could pay directly any bill left unpaid by Mogavero for "five days after it falls due."
[Note 5] All the transactions and the filing of the bankruptcy petition against Mogavero took place before October 1, 1958. Accordingly, the Uniform Commercial Code (now G. L. c. 106) is not applicable. See St. 1957, c. 765, Section 21.
[Note 6] On August 30, 1957, Mogavero purported to assign $4,500 more as payable under the State Street contract. That no such sum was paid into court by Telephone suggests that no such sum was then due or, if due, that Telephone subsequently had paid it.
[Note 7] See Restatement: Contracts, Section 151 (c) ; Parker and Adams, The A. I. A. Standard Contract Forms and the Law, p. 50. Cf. Uniform Commercial Code, G. L. c. 106, Section 9-318 (4), inserted by St. 1957, c. 765, Section 1, as to transactions after October 1, 1958.
[Note 8] Although the matter is not precisely covered in the stipulation referred to in the trial judge's order for a decree (see fn. 1, supra) there is no occasion for determining the rights of the United States of America upon this appeal. The part of the fund payable to the bankruptcy trustees (exclusive of any interest, more than $60,000) greatly exceeds the taxes claimed by the United States ($22,233.28 plus interest).


text:
KUALA LUMPUR: Bursa Malaysia is likely to trend higher next week after recording gains over the past five consecutive weeks amid follow-through foreign buying.
Inter-Pacific Securities Sdn Bhd Head of Research Pong Teng Siew expected foreign investors would remain as the net buyers in the local equity market in the near term of a month or so, and continue to push the key index upwards.
"Therefore, the benchmark FTSE Bursa Malaysia KLCI (FBM KLCI) is likely to trade between 1,823 and 1,890 next week on continuous buying by foreign investors," he told Bernama.
Pong viewed the foreign inflows as a cycle, especially after the international investors dumped nearly RM12 billion worth of local equities in early May this year.
"I view this as a transition period as foreign funds have consistently been the net buyers on Bursa Malaysia for the past three weeks," he said.
Asked how the Pakatan Harapan (PH)-led government's first 100-day fiscal reforms would influence the local market especially with the Aug 17 deadline approaching, Pong said he did not see any residual impact on the local bourse currently.
"I do not think PH's 100-day manifesto would drive the local market at the moment, unless political decisions such as the cancellation of certain infrastructure or construction projects are made, just like what had happened previously, only then we can see the impact on related stocks.
"But that (situation) is over," he added.
For the week just-ended, Bursa Malaysia was traded mostly higher at between 1,777.78 and 1,812.69, mainly buoyed by continued foreign buying, but was capped by profit-taking on Friday.
The benchmark index breached the 1,800 psychological level to close at an intra-day high of 1,804.73 points on Wednesday with foreign funds snapping up RM229.6 million worth of local stocks, making it the largest inflow in a day for this month.
On a Friday-to-Friday basis, the benchmark FTSE Bursa Malaysia KLCI was 25.66 points higher at 1,805.75 from 1,708.09 previously.
The FBM Emas Index advanced 170.01 points to 12,770.49 and the FBMT100 Index bagged 159.19 points to 12,546.84.
The FBM 70 put on 126.41 points to 15,588.78, the FBM Ace climbed 103.36 points to 5,549.40 and the FBM Emas Syariah Index was up 204.42 points to 12,948.88.
On a sectoral basis, the Finance Index perked up 135.72 points to 17,576.18, the Plantation Index improved 89.44 points to 7,712.83 but the Industrial Index was 6.77 points lower at 3,269.35.
Weekly turnover widened to 11.93 billion units worth RM11.07 billion from 11.17 billion units valued at RM10.70 billion previously.
Main market volume rose to 7.52 billion shares worth RM9.99 billion compared with 6.65 billion shares valued at RM9.68 billion.
Warrants turnover, however, fell to 2.10 billion units worth RM509.46 million against 2.20 billion units valued at RM584.34 million.
The ACE market volume slipped to 2.29 billion shares worth RM573.79 million versus 2.31 billion shares valued at RM428.57 million.
Gold futures contract on Bursa Malaysia Derivatives is expected to trade lower next week in tandem with the New York Commodity Exchange's (Comex) gold market as the US dollar is likely to continue strengthening.
Phillip Futures Sdn Bhd Derivative Dealer Lee Pei Wan said the continued strengthening of the greenback would make gold bullion more expensive for holders of other currencies.
"Not many people will be interested to buy gold if the US dollar continues to strengthen," she told Bernama.
For the week just-ended, gold futures recorded its fifth consecutive weekly fall, tracking the Comex, derailed by the stronger US dollar.
Gold futures were untraded for three of the five trading days on lack of trading interest due to the stronger greenback.
On a Friday-to-Friday basis, August 2018 eased four ticks to RM159.50 a gramme, September 2018 lost eight ticks to RM159.50 a gramme, while October 2018 and November 2018 fell 10 ticks each to RM159.60 and RM160.40 a gramme respectively.
Weekly turnover fell to three lots valued at RM48,160 from seven lots valued at RM112,100 in the previous week, while open interest improved to 36 contracts from 33 contracts previously. — Bernama
Source: The Sun Daily

subset: commoncrawl


text:
How to Choose a Handpan?
We want to help you find your perfect handpan scale. In our other blog, "How to choose a handpan scale" we created an application that allows users to explore how they perceive the musicality of various handpan scales. With that tool we've developed an approach that can help you find your perfect scale. These key questions should be useful in finding your perfect scale:
1) Do you have a musical background?
2) Do you prefer Low Bass (deep sounding) or Mid-range (higher sounding) instruments?
3) Do you prefer Uplifting (major sounding scales) or Mysterious (minor sounding scales)?
To us, "Beginner" handpan scales are those that allow for easy improvisation, expression or intuitiveness when playing, while also having an ability to play well with other common instruments. We believe you shouldn't need a musical background to enjoy these instruments! So if you've never played before, we first recommend selecting a "Beginner scale" that has that inherent musicality, built-in.
If you have a musical background and are looking for more challenge and inspiration in your songwriting, we recommend checking out the "Intermediate scales" as well as any beginner scales.
If you are just starting to think about scales, we think that deciding between a "Major feeling" or "Minor feeling" scale set can be very useful. We typically define a major feeling scale to be uplifting, happy or joyful. A minor feeling scale could be mysterious, mystical, melancholy or inquisitive.
If you've been looking for a deep or low-voiced and bass sounding instrument, we've separated those options into the Low Bass Scales category, which has a few scales that also may work well for beginners.
This process is made to help you know where to start when looking for a handpan scale that might be a great fit for you. We've already separated the handpans we build into these categories (Beginner, Intermediate and Low Bass. Although what ultimate scales we build and offer may change in the future, the process and the questions we present here should help you understand how to make an informed choice for yourself. We hope this helps.
-The Isthmus Team


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PHILADELPHIA (CBS.MW) -- USABancShares stock shot up 31 percent Monday after the bank holding company said it has activated a new banking Web site.
The Philadelphia-based company usab saw shares scream 3 3/8 points higher to 14 1/4 on volume of more than 5 million shares, well above the stock's average daily volume of3 million shares.
USABancShares said the site, USABanc.com, gives customers real-time access to account information and provides banking functions such as bill paying, CD purchases and loan processing.
"We're here to capture online market share," said Kenneth Tepper, chief executive officer.
In connection with its stock brokerage unit, USACapital, customers who use the site will also be able to purchase stocks, as well as invest in initial public offerings, the company said in a release.
"The ability to keep Internet customers coming back will merit the same premium traditionally recognized for conventional branch banking -- except without the attached overhead," said Daniel Taylor, director of the company's electronic banking division.


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by Faryal Khan
Ruby emblematizes the sublime and possesses an instinctive allure. The unquenchable magnetism of this precious gemstone ascends if it is embedded deep into one of the most formidable locales; such as Azad Kashmir. Azad Kashmir holds incomparable abundances of nature, but it's most riveting treasure is its rubies. In order to unfold the dynamics of its mining, a research undertaking was coordinated from Islamabad to Muzaffarabad under the supervision of Dr. Muhammad Makki. After gaining comprehension over the institutional frameworks, the scoping study dwelled towards the ruby mines to Kel and then to the villages of Domail and Chitta Katha. The field experience presented some exceedingly pertinent research finding(s). However, the most pronounced feature was the defiance of the attribution of the perceiveddynamics of 'normal' mining culture to the Kashmir's ruby and the contrasting contextual realities, which necessitate a diversified exploration to inculcate the specificity of, and consequently promulgate, the ruby mining culture in Kashmir.
The ruby mines had been discovered in 1979, but actual production did not commence until 1990, mostly due to the rugged mountainous terrain and harsh weather conditions during which the mine(s) could be accessed only from May to October. The major chunk of the responsibility of the mining operations at Chitta Katha has been undertaken by the Azad Kashmir Mineral and Industrial Development Corporation (AKMIDC). The Corporation initiated a project titled "Exploration & Evaluation of Precious and Semiprecious Stones in Upper Neelum Valley, Azad Kashmir" from 1995 to 2005. Consequently, the project established Chitta Katha, opposite to Nangimali, as the most promising site for ruby deposits, yielding 342 kilograms of rough rubies. Relatedly, the mining operations at Nangimali, under a private lease, have halted and the underlying reasons have been considerably cryptic.
The discussion with the villagers elucidated certain aspects steeped in significance. We found out that the village was inhabited by one family exclusively, the Mughals. The locals from Domail and Kel were limited in their operational participation at the mine by holding yearly tenders to provide the labor force which constituted of 30 to 35miners at the peak mining season and plummeted to 10 miners during harsh weather conditions. The hue and the surreal clarity of the Kashmir rubies varies from transparent to translucent and brownish pink to pinkish-red and deep red in color. The Nangimali ruby deposits are considered superlative, in comparison to its adjacent Chitta Katha deposits. More so, the mined rubies are collected by AKMIDC and auctioned at Muzaffarabad and at the Kashmir House in Islamabad, annually, unless interrupted by infrequent supply or other reasons. The Corporation also maintains scrutiny over the buying and selling of rubies locally, fundamentally to counter any illegal circulation. Regarding the supply chain, the gemstone is taken abroad after being auctioned and circulated in Pakistan at various gem exchanges for adding finesse to transform its eventual fate.
The aforementioned findings were indeed germane to the outlined aims of the scoping study to discern all attributing factors to ruby mining. However, certain contextual realities take precedence in contriving a (re)imagined understanding of the nuanced 'normality' that inherently underpins the mining culture of Kashmir's rubies. Firstly, the absolute absence of any repercussions of being in propinquity to an active international conflict – the struggle for Kashmir's self-determination – especially keeping in view the proximity of ruby mines to the Line of Control (LoC). Moreover, the lack of indulgence of locals to utilize the treasure trove to fuel the armed struggle across the LoC, as 'normally' seen in cases with similitude; occurrence of a lootable and highly valued commodity to a kinetically charged conflict zone. Additionally, the blatant absence of criminogenic factors redirected the assumed and 'normally' evidenced understanding associated with the lootability of gemstones.
This factor cascaded into another finding 'normally' identified with gemstone mining; the intangible association that local communities experience in view of their close bearing with the resource. In case of Kashmir's rubies, the locals can view the mine(s) at all times and yet, they are void of any gripping realization of its value or possess any (collective) desire to demand for an increased participation in its operations or resultant developmental outcomes. Concurrently, the Domailisshowed increased affinity towards their farming and agricultural produce; consisting of primarily potatoes, wild herbs and livestock. It was remarkable to witness their carefully forged and decided responsibilities towards their farming life – as 'normally' found in mining communities – but at the same time quite confounding to observe their gentle indifference towards the rubies which are exponentially more valued and remain at immediate sight. Adding to this assertion, the people of Domail inhabit the village as one large, extended family and represent a unique uniformity as 'normally' unseen; primarily, void of local power clashes. However, this uniformity does not translate into collective unity in view of the ruby mining culture as an integrated and conscious front.
The economic potential of the ruby mining seems remarkably faded when the distinct attributes of the mining culture form a considerably 'abnormal' mosaic of a livelihood that transcends normally held conventions. The explorative lens requires a redirection towards the contextual realities which evoke a fascinating rural setting that needs to (re)define the specificity mining cultures encompass while keeping the centrality of the resource (ruby) intact. However, assumptions dwelling with the notions of 'normality' – perceived or otherwise – possess the latency to form assertions on naive ties; yet, they can be fringed upon conceptions, especially based on mining communities blessed with a resource whose aura defies time, but more significant, on the resource's mining culture – that defies normality.
The author is profoundly grateful for the research opportunity and supervision received from Dr. Muhammad Makki and also extends her thanks to Waseem Iftikhar and Aizah Azam for their assistance.
The author also gratefully acknowledges the financial support for the fieldwork received from the 'The Gemstone Knowledge Hub' at the University of Delaware USA.


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It's Movember around the world and that means the focus is once again on men's prostate health, so this week I dive deep with men's health specialist Dr Ralph Esposito. While much of the mainstream is focused on treating men's prostate and hormonal imbalances when its too late, Dr Espo and I explore how we can integrate practices and herbs into our lives so that optimal sexual health (and beyond) can be maintained. We explore the effect that pornography has on men's health and erectile dysfunction and how we can overcome this with some simple processes. Physiological factors play a huge part in this dysfunction and they are heavily discussed. The physiological harm of stress on men's health leads to some wonderful insights about why we need to be keeping stress down if we want erectile and hormonal function to be strong. Adaptogenic herbs are at it again in helping maintain optimal health and I loved the herbs Dr Espo is using, I'll be upping their intake and I'm sure you'll be doing the same. The depth of insights into how to get a hormonal flow that leads to sexual potency, a long life and potentiated health is inspiring and there are some great surprises for you in regards to how simply raising testosterone isn't the answer to getting better sexual function.
In this podcast we cover:
- Dr Ralph's path into holistic medicine and becoming a practitioner
- Anabolics and performance enhancing drugs in the sports world
- Alternatives to testosterone replacement therapy
- Identifying signs & symptoms of androgen deficiency
- Targetting erectile dysfunction in young and older males
- Herbal therapeutics for augmenting androgen production
- The impact of estrogen on male health
- DHEA & Progesterone supplementation
- Sleep – The forgotten hero in augmenting testosterone production
(from www.doctorespo.com)
My specialty is in integrative urology and men's health. I have experience writing, educating and reviewing in areas such as male and female urological conditions, prostate disease, hormonal issues, andropause, fertility, exercise, men's health and sexual health. My journey into healthcare and wellness began at NYU, a Bachelor's in Nutrition & Dietetics and Pre-medical studies. In 2011 I began my research and work with Dr. Geovanni Espinosa at NYU Smilow Integrative and Functional Urology Center. I continued at NYU during my medical training and I still work closely with Dr. Espinosa.
To stay current but also to be involved with the future of medicine, I hold a position as adjunct professor at NYU where I lecture on integrative nutrition. My passion for medicine continued into medical school, where I obtained my naturopathic medical degree and my master's in Acupuncture. I had the honor of working with top tier physicians including Dr. D'Adamo, where my personalized approach to medicine flourished.
Food as medicine is as much a part of naturopathic medicine as it is of my strong Italian roots. I love to spend my weekends in the kitchen and my October making homemade wine with my family.


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WASHINGTON, Jan 23 (Reuters) - U.S. President Donald Trump signed an executive order on Tuesday imposing steep import tariffs on washing machines and solar panels, saying the move showed the United States would not be taken advantage of anymore.
China and South Korea have condemned the tariffs, but Trump said they would not trigger a trade war. "You're going to have people getting jobs again and we're going to make our own product again. It's been a long time," Trump said. (Reporting by Ayesha Rascoe and Doina Chiacu; Editing by Tom Brown)


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Spohistication - Style - Ambience
Spohistication - Style - Ambience
Dallas Gigs represents an elite portfolio of the most sought after wedding and corporate party bands and musical talent. With an extensive roster of impressive acts, we supply the right music for any social, corporate, or special event. High energy party bands that offer a wide range of exciting musical styles to suit any occasion is our specialty.
Dallas Gigs provides the best in audio equipment rentals and offers a large selection of audio production options ranging from small meeting options up to large concert sound systems. Our knowledgeable staff will make renting equipment for your wedding, social, or corporate event stress free.


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The House of My Dream
Can you describe your dream house? My name is Ania. I live in Kaniv in a five-bedroom detached house with my family. But all people dream about their own well equipped house with all conveniences. I also have such a dream. I often imagine my future house in my dream. First of all, the house


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I recently wrote an article on living vegan in Shanghai. As a dietian, I really don't condone the vegan diet unless someone is very well educated in nutrition and engaged in their diet. Avoiding all meat and dairy products can leave you without some critical nutrients, such as calcium, iron, vitamin D and zinc. Also, Shanghai is low on some of the vegetarian meat substitutes, such as Boca products or Quorn, which can help you meet your protein recommendations and expand your diet. However, reducing your meat intake can be really good for your health, and the planet.
Here are some resources to consider for eating well and eating less meat. Would love to hear if anyone else has information to add?
- Godly Vegetarian Restaurant – West Nanjing Branch, 445 West Nanjing Rd, Jing 'An District, Oldest vegetarian restaurant in Shanghai creates vegetarian versions of traditional dishes such as mock chicken, duck and pork.
- Vegetarian Lifestyle (Jujube Tree) – 258 Fengxian Lu, Jing 'An District, This kid-friendly spot peddles innovative and tasty Chinese food like Chinese kale and beech mushrooms, and deep-fried vegetarian pies.
- Jendow Vegetarian – 2787 Longhua Lu, Xuhui District, Overwhelming buffet serves hundreds of vegetarian dishes from Chinese to Japanese to Italian specialties.
- Anna Maya Vegetarian Café – 3 Taojiang Lu, French Concession, New café in the French Concession serves tasty juices, along with vegetarian quiches, pasta dishes and veggie burgers.
- My Local Store – www.mylocalstore.cn – This international resource has an excellent line of organic grains, including millet, cornmeal and brown rice, along with reasonably prices organic nuts, seeds and beans.
- City Shop – www.cityshop.com.cn – If you are feeling flush, City Shop carries Western meat-substitute brands including Sunshine, Boca and Quorn.
- Local wet market – Tofu is a very good plant source of protein, is low in calories and can be high in calcium and magnesium. It's also super cheap and fresh at the local wet market. Try soft tofu as a dessert, firm tofu in stir-fries or dried tofu as a snack.


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Diplomatic Dinner
Attended a formal diplomatic dinner last night in El Salvador with an amazing group of folks. Dinner was a 3-course meal of DELICIOUSNESS also all homemade everything. The dress code was formal and the crowd conservative. I like to take risks with fashion so I decided on this full leather strapless gown. :D


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Jana attended Anthony David, where she completed 1500 hours of class time and is licensed through the Oklahoma Barber Board.
Specialties include: hair painting + balayage
"How a person feels about their hair has so much to do with their confidence and how they feel about themselves. It gives me so much joy to be able to make someone feel beautiful or more confident after having their hair done. I still can't believe I get to do what I love for a living and see the smile and reaction on my clients faces when they see the finished product." - Jana
Color Lines + Product Info: SoColor by Matrix | Blondor by Wella | Olaplex | Babyliss styling tools | Big Sexy Hair | Kenra styling products
Follow Jana on Instagram @janastewarthair
Feel free to use our contact page + choose Jana from the drop down menu or send her a text at 405-226-9847


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In this final episode of Exploring the Blues in Chicago, Brett David Stewart assembles a panel of fellow podcasters with an admiration for Chicago blues. Joined by Phil Rood and Peter Fisher, Stewart discusses helms a discussion about what makes the blues so special. How does it find its way into our lives? What makes it stay? At the end of the day, fans' love of the blues keeps it alive. They buy records, go to shows, and share the music with friends and family. This finale offers a round table perspective of the importance of the blues in the lives of those impacted by its infectious spirit. Phil Rood is a podcaster and a talented artist. Peter Fisher is a podcaster often found on Galactic Netcasts and his current project is a weekly video stream, The Joy of Image Manipulation.
Exploring the Blues in Chicago features music from Frank Bang & the Cook County Kings and Derrick Procell. Support independent artists like them in the Chicago blues community by buying their fantastic records and going to their shows! In addition those musicians, the podcast owes great thanks to Terri Hemmert, Bruce Iglauer, Bill Dahl, Keith Dixon, Phil Rood, and Peter Fisher. Podcast art was courtesy of Rood, and his work can be found here.
Connect with Brett David Stewart on Twitter.
Feature photo of Otis Rush courtesy of Masahiro Sumori.


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Han Kang
Han Kang was born in Gwangju, South Korea and moved to Seoul at the age of ten. She studied Korean literature at Yonsei University. Her writing has won the Yi Sang Literary Prize, the Today's Young Artist Award, and the Korean Literature Novel Award. Human Acts won the Manhae Literary Award. Her first novel published in English was the critically acclaimed The Vegetarian. She currently teaches creative writing at the Seoul Institute of the Arts.


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Page - Budgeting Tool
Budgeting Tool
Wondering what you can expect with your remodel? Our helpful budgeting tool provides an estimate of services for your level of investment. Once we understand the scope of your project, a Custer salesperson will walk you through our simple pricing model to provide you a more detailed analysis. For information on our interest-free financing options, contact us here.


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What You Should Know About Christmas Buying And Shopping
During Christmas, people always almost spend their savings on various expenses such as shirts, gifts, new clothing items and vacation among many others. The Christmas holiday season is also the time when people spend a lot of money organizing parties one after the other. It is right to know which paths to take during Christmas holiday seasons. Read through the article to find out some good tips about spending the Christmas holiday season great with your family and buying all the gifts that you need such as products that feature great artists such as Arnold Schwarzenegger.
It is important that you know how to obtain products that feature Arnold Schwarzenegger for Christmas, through proper saving and financing techniques. Buying a fund jar or something that can resemble a bank where you can place in your savings can always help you a lot. Aside from fun jars, another fun activity during the Christmas holiday season is planning parties for your friends and family members. Be sure that you can move ahead and purchase the needed birthday gifts for your needs, so you can always choose something that is right for you.
Experts have advised that during the Christmas shopping for products, you have to know the families and friends who are receiving your products and set up your finances for these. In order for you to avoid issues such as going with the crowd during last minute Christmas shopping and avoid duplication of items, you have to always know your way as you work on the list. If you are going to have gift giving with families, then you can all agree on a price cap for these items. Be sure that you can always come up with a budget that will be right for all. One of the best ways that you can get with these tips on buying products for Christmas is to make someone happy through special gifts for them and working on some of the best Christmas shopping ideas for your needs.
When it comes to buying products for Christmas, there are several locations that can offer special discounts for your needs. One of the greatest ways to go about buying products for Christmas is to check out online shops that offer these, such as Arnold Schwarzenegger shirts. A lot of these online stores can offer customers and consumers will various ways to save when buying products for Christmas. There are several online stores that can provide a good venue to go buying products for Christmas, and shopping for this season so you can always move forward.
The number of stores and shops available online can be overwhelming, but when you know where to go, you can always succeed. These stores can offer products according to your choices, from shirts to accessories.
Source: Arnold Schwarzenegger Posters


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What trip have you been on that you had the hardest time packing for?
Iceland, without a doubt, was it for me.
I literally owned not one thing I ended up packing besides my bathing suits (hello, California girl). So, I did what any good Type A person would do and I researched the heck out of it, and tried it all out personally so I could bring you the very best ICELAND PACKING GUIDE possible.
I will get to the nitty gritty details in a second to make sure you are well-prepared, but overall here are 3 good tips to keep in mind.
What to remember when packing for Iceland:
Tip 1: Buy waterproof everything. Seriously, you just never know when water is going to fall from the sky, but it definitely will and there is nothing worse than being cold AND wet. Waterproof jacket, waterproof pants, and waterproof shoes are a must. This is true for any time of year, because Iceland does not play by seasonal rules.
Tip 2: Layer your ass off. I am from California and I really didn't understand this concept, but it so works! It keeps you warm and also, when you catch a few rays of sunshine or your hike heats you up, you can easily shed a layer or two.
Tip 3: Throw in some color. In my normal life, I love the color black. I basically have an entire closet of neutral colors. But in Iceland, I really appreciated having a pop of color. I literally would lose myself in the photo if I had on all grey and black. Think a colorful beanie, a fun jacket print, or a statement puff vest.
Your Iceland Packing Guide
(NOTE: This packing guide is ideal for spring/fall (I traveled in April). For winter trips, a few extra items specifically for extreme cold weather should be included.)
The outfit:
On top: Wear all things that can be layered. I liked the combo of a thermal type shirt, a long sleeve layering shirt, a thermal, and then a vest. I loved wearing vests. They kept my core warm and I had a lot more movement.
On bottom: I wore jeans exactly once — in the city. I also made sure to have on my leggings underneath. Otherwise I lived in my leggings and thermals with my waterproof/windproof pants on top. These pants were amazing. They kept me so warm, so dry, and were actually fitted enough to be stylish.
The outerwear:
I brought two jackets and they both got plenty of wear. The main jacket was a puff jacket with a fun floral design. The fun design or color isn't a must, but seeing as how you have a jacket on all the time, it's nice to give yourself some pizazz. Make sure your main jacket is waterproof. You really need waterproof everything.
The other jacket I wore mainly at night and it was a warm wool coat with a big fur hood. Definitely make sure your jackets have hoods — mine was always up.
The shoes:
You will be walking, climbing, and doing all the adventurous things in Iceland. You need good shoes. I really loved the shoes I got because they were comfortable for the whole week, and didn't look half bad either. Also, make sure your shoes are waterproof!
If you are going to be doing some serious hiking, make sure you have shoes that are good for serious hiking.
I did buy one pair of wedge shoes that were fur lined and waterproof and I wore them exactly once, just to say I used them.
The accessories:
I'm calling these accessories but they are actually necessities.
For your head: Knitted beanies — and not the cute thin ones, get the legit ones. My favorite I bought that kept me the warmest was lined with fleece. Seriously, everything lined with fleece is amazing. But — I loved wearing the colored ones most because you stand out a bit more in all of your photos. That may matter to you and it may not.
For your hands: If my hands were cold, I was freezing. Definitely invest in some good gloves, and preferably ones that allow you to still use your phone. I also used some fingerless ones — exactly once.
For your feet: Wool socks. All day, every day. Toasty feet are the only way to go and these things work!
Iceland is one of the most incredible places I've ever been to and if you are planning a trip there, I know you will love it! I help people plan customized trips to Iceland and anywhere else your heart desires, so I'd love to hear from you if you'd like some help planning your perfect trip!
Enjoy Iceland, and if you plan on visiting the Blue Lagoon, make sure you read my tips for visiting the Blue Lagoon beforehand. Also, if you will be spending time in Reykjavik, check out My Perfect Day in Reykjavik.


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The MailMeArt exhibition at The Framers Gallery (Artefact showroom) it's ended.
It has been a success, with lots of people there enjoying the art and the artist itself. Here you can see a few pictures of before and during the exhibition.
As you can see a real feast for lovers of mail art and vocational postmen, with more than 240 envelopes illustrated and sent from over 24 different countries. If you weren't able to make it to London for the first exhibition, you are still on time to visit the second MailMeart Exhibition. Don't miss this second chance.
From August 9th to 12th August you can visit the MailMeart exhibition at
The Factoryroad Gallery
Hinckley, (LE10) RSVP REQUIRED
The opening night will be on August 9th at 6pm-11pm, with viewings by appointment on the 10th, 11th and 12th.
Remember the exhibition catalog, and the mail art originals can be acquired online here


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Amazon Planning to Add 30,000 Employees, UPS 100,000 for Holiday Season
With the holiday season only weeks away, online retailer Amazon and its oft time shipping partner UPS have announced new job fairs to hire 130,000 seasonal employees.
With the holiday season only weeks away, online retailer Amazon and its oft time shipping partner UPS have announced new job fairs to hire 130,000 seasonal employees.
In a surprise, Fed Ex said it is dropping Amazon to focus on serving its competitors.| %%primary_category%%
Three top U.S. airline CEOs are urging President Trump to take action over Qatar's violating trade agreements with the United States. Three other CEOs responded with a letter claiming that Qatar's actions are consistent with the president's policy, but analysis shows that this letter was actually written by a senior policy official from the Obama administration.
Logistics giant FedEx is reportedly partnering with Walmart, Target, and Pizza Hut to test out a new "last-mile" delivery robot system.
A Marine Corps veteran working as a FedEx delivery man in Maryland went above and beyond his duties as a delivery driver on Wednesday when he stopped to fold an American flag which fell to the ground due to heavy winds.
On Tuesday FedEx announced it is cutting ties with the NRA effective November 4.
President Donald Trump vowed a tough response to the bombings in Austin, Texas, decrying the actions as "very, very sick."
FBI officials responded to an explosion at a FedEx sorting facility near San Antonio, Texas, early Tuesday morning. One woman suffered a minor injury from the explosion that took place inside the sorting facility.
Celebrity activist Alyssa Milano is calling on her three million Twitter followers to boycott Amazon, Apple and FedEx for one day, in hopes it will pressure them to break ties with the National Rifle Association.
Pop-rock band blink-182 has announced it will boycott shipping company FedEx over its continued support for the National Rifle Association following the deadly school shooting in Parkland, Florida this month.
FedEx released a statement Monday explaining that the company will maintain its relationship with the NRA and that it supports the "constitutional right of citizens to own firearms."
Teenager David Hogg is calling for newfound Twitter fan base to boycott companies who have relationships with the NRA. On Monday morning, he directed them to boycott Amazon and FedEx.
Silicon Valley's Udelv made history by piloting the first driverless retail grocery delivery service in America on Jan. 30.
FedEx announced Friday it will commit to more than $3.2 billion in wage increases, bonuses, and other perks, thanks to tax reform.
President Trump's started the 90-day clock that will give the FAA the right to set a national standard for pilot drone operations in all 50 states.
Amazon is reportedly experimenting with a new delivery service, aiming to take on private shipping companies such as FedEx and UPS.
An Irvine resident captured video of a FedEx driver tossing a package from his truck against a wall, and then picking it up and throwing it to the front door of his home on Wednesday.
FedEx has teamed up with the Christmas SPIRIT Foundation to give American military members and their families Christmas trees through the Trees for Troops program.
A security exercise gone wrong saw tempers flare in a Paris airport, after fake explosive devices were discovered by FedEx workers in a ripped package, sources said Thursday. Employees of the American courier service at Charles de Gaulle airport were
All the private delivery giants did their level best to get Christmas Day deliveries out on time. There were many successes, but the record was not perfect by any means and some customers were disappointed by missed delivery promises. Many
"At any moment, FedEx can tell you where that package is. It's on the truck. It's at the station. It's on the airplane," Christie said during a town hall event in New Hampshire. "Yet we let people come to this country with visas, and the minute they come in, we lose track of them." The idea sent journalists in a tizzy, as some even compared it to the U.S. government internment of Japanese Americans in World War II. The campaign insists that Christie's comments were more about the principal of using modern technology to solve government problems.
In the face of pressure from the Humane Society International and other animal-rights groups, shipping giant United Parcel Service (UPS) stands its ground and refuses to ban the shipment of big-game trophies.
Republican Sen. Roy Blunt of Missouri is taking heat from Democrats for hiring his lobbyist son to run his 2016 re-election campaign.


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Wedding in a Rustic Barn at The Raritan Inn Bed & Breakfast
by Admin
Hometown homeslices Christine Strani and Joe Crincoli tied the knot at a wonderfully decorated and joyfully celebrated Raritan Inn bed & breakfast in Califon, New Jersey. All of the decorations were done by Christine and her family. Framed photos of their family history and handmade signs. Special touches everywhere to make it their day and […]
Categories: News • Tags: bed and breakfast, Califon new jersey, new jersey wedding locations, new jersey wedding venues, rural wedding venue, rustic barn, The Raritan Inn


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Our Council serves 17 counties in Northeast Iowa including: Black Hawk, Grundy, Butler, Franklin, Wright, Hancock, Winnebago, Worth, Cerro Gordo, Mitchell, Floyd, Bremer, Chickasaw, Howard, Winneshiek, Fayette, and Buchanan. We serve over 3,200 youth with the support of 1,600 registered volunteers and more than 150 chartered partners. The Winnebago Council also operates the Ingawanis Adventure Base near Waverly, IA as our resident Boy Scout Camp. We look forward to serving you in all of your Scouting needs!
Yearly Fee Schedule
Holiday Schedules for 2019, 2020, 2021
2019 Camp Work Days


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PricesSee all articles
Nasdaq: Farmed salmon prices leap over 17% in past week
Industry experts expected a drop in salmon prices, last week.
The average price of Norwegian farmed salmon jumped to NOK 70.39 (€7.20/$8.10) per kilo in week 24, a 17 percent increase from the week before.
Compared with a month ago, prices were up just under 12 percent, and they were up nearly 6 percent compared with three months ago, according to Nasdaq.
Price gains of over NOK 10 (€1.00/$1.10) per kilo were seen for all weight classes.
Fish in the 4-5 kilo weight class, the most popular category with a nearly 29 percent market share, saw average prices at NOK 73.11 (€7.50/$8.40), up NOK 12.30 (€1.30/$1.40) compared with the previous week.
Farmed salmon spot prices dip in all weight categoriesRead more
The 3-4 kilo weight class, the second most popular category, saw prices at NOK 68.68 (€7.00/$7.90) which was up compared to the previous week by NOK 11.81 (€1.20/$1.40).
Prices for the 5-6 kilo weight class also jumped NOK 11.26 (€1.10/$1.30) to NOK 76.30 (€7.80/$8.70).
OUT NOW! The new IntraFish Sea Lice Report, the most comprehensive overview of the biggest scourge impacting farmed salmon


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Hairdressing seems to be something in the blood for the Hensman family...which now count one of the country's top hairdressers among their clan.
John and Julie Hensman, are behind Northampton salon Hensmans in Kettering Road, Northampton, which has been in the town for around 30 years.
Their daughter Gemma, who joined the ranks as a teenager, has recently reached the finals for Eastern Hairdresser of the Year Award in HJ's 2012 British Hairdressing Awards.
"My grandparents were hairdressers too so I came from a long line," said the 31-year-old from Scaldwell.
"I was draw towards other things when I was younger and when I was 18 I decided I wanted to give it a go and start training.
"I approached my parents and they said 'you need to do your apprenticeship'.
"I started with that and then I worked my way up and did my qualifications.
"I took to it but at first it wasn't going to be a permanent thing, but after six months I realised this is what I wanted to do.
"It is such a creative industry and you meet so many different people, everyday is just a different experience.
"There is so much you can do with hair."
The British Hairdressing Awards, launched in 1984 by Hairdressers Journal International and sponsored by Schwarzkopf Professional, have rewarded the best of British hairdressing creativity for 28 years.
To enter the competition, hairdressers working in salons throughout the United Kingdom had to submit four images, to a set criteria.
Gemma Hensman has secured a place in the final of the Awards and will now have to submit another four images, which will be judged along with the first four by industry experts, members of the British Hairdressing Awards Hall of Fame, some of the UK's leading hairdressers and hair journalists.
"The theme for the competition was the silver screen and the looks I sent in were influenced by different eras, I was trying to get a balance of modern trends with timeless looks, and also trying out different textures and mediums," said Gemma of her entries. "In one I did a modern take on the 1920s crop, which is quite asymmetric and geometric.
"Then there's another which is inspired by Ginger Rogers and the focus is on the colours, and it has a lot of different colours within the hair, but has also picked up on current curl trends.
"Then I did a blonde Marilyn Monroe inspired look.
"We sent off our entries in January so we had to be quite timeless.
"It's a huge thing to become a finalist. We have had a very good year and have also got through to the British Hairdresser Business Awards and the Salon Team of The Year Awards."
"Each year the entries in all categories pushes the boundaries and is truly inspirational," said publishing director of Hairdressers Journal International, Jayne Lewis-Orr.
"British hairdressing is perceived throughout the world as being the best, and the British Hairdressing Awards recognise and reward creativity and excellence in all hairdressing skills."
Gemma will have to wait until Monday, November 26, to find out if she will be awarded the title of Eastern Hairdresser of the Year, when she attends an awards ceremony at the Grosvenor House Hotel, in London.
For more on Hensmans visit www.hji.co.uk


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By Tamar Satov
Made a taboo comment at the office? It can happen to the best of us, especially these days. Here's how to save face when your foot's planted firmly in your mouth.
The mood was relaxed and festive when Janet, a Toronto-based public relations professional at a national financial services firm, attended a colleague's retirement party in Montreal. She welcomed the opportunity to bond with her faraway female coworkers over drinks and a few laughs, but when she pulled out her phone and showed them a candid shot of her current squeeze, things got awkward.
"It was a photo of him in bed," she admits, quickly adding there was nothing about the picture that made it NSFW (not suitable for work, of course). Even so, the disapproval was swift. "They tsk-tsked me and said, 'Wow, you really shouldn't have shown us that.'"
Luckily, there was no lasting fallout from the misstep since she saw the Montreal team so rarely, says Janet, who has since moved on to a different company. But broaching contentious topics — think sex, religion, race and politics — with coworkers at the watercooler or local watering hole after hours can be a risky endeavour with severe consequences.
Indeed, the vast majority (83%) of employees have witnessed a colleague say something that ended up having a catastrophic impact on his or her career, reputation or business, a 2016 poll by Utah-based corporate training company VitalSmarts finds, while 69% say they've made a "catastrophic comment" themselves. One in five (20%) of these remarks were about race, sex, politics or religion, and the repercussions were serious: 31% lost a pay increase, promotion or job; 27% undercut or destroyed a working relationship; 11% ruined their reputation; 6% got a poor performance review; and 1% lost a client or partner.
High-octane conversations in the workplace can also affect productivity and a company's bottom line, as an American Psychological Association survey conducted during the extremely contentious 2016 US presidential campaign indicates. At least one in ten US employees polled said they felt tense or stressed out (17%), were less productive (13%), had difficulty getting work done (10%), or their work quality suffered (10%) as a result of political discussions at work — and these figures were significantly higher for men and those under the age of 35.
Of course, our southern neighbours aren't the only ones navigating a minefield of polarizing politics and hot-button issues. A single day of trending news in Canada earlier this year hit the triumvirate of taboo topics — sex, politics and race — with sexual-assault allegations against Toronto theatre director Albert Schultz; reports that Tim Hortons heirs cut paid breaks and employee benefits across their franchise due to a minimum wage hike in Ontario; and criticisms raised by Indigenous Services Minister Jane Philpott against Manitoba's plans to reform its First Nations child welfare system.
Should we all just steer clear of such news — or anything else potentially sensitive or divisive — when talking to each other at work? Not necessarily, says Chris MacDonald, an associate professor and chair of the department of law and business at Ryerson University's Ted Rogers School of Management in Toronto. "It's hard to completely avoid all of these topics if you're going to have the kind of collegiality that firms are trying to encourage," he says. The key, of course, is to be civil and behave like a professional to avoid treading into hostile workplace territory. That means no vulgar language, no comments about bodies or looks, and if you know an individual is touchy on a particular subject, steer clear.
Obviously, employees should also follow the guidelines set out by their employer for professional conduct, which may include behaviour outside the office and on social media. The axiom to remember, says MacDonald: "Just because you have a right to say it doesn't mean it's right to say it." Touché. If you find yourself or your team descending into controversial territory, read on for a few tips on how to handle it.
Disagree agreeably
Whether you see eye to eye with another person matters much less than how you share your opinion, says David Maxfield, vice-president of research at VitalSmarts and co-author of the business book Crucial Conversations. "Even if you agree with people, but in a way that is defensive, posturing or aggressive, it decreases the likelihood they'll respect you. But express your opinions skillfully and you can associate with anyone," he says. Maxfield suggests framing conversations as a chance to learn from each other, not to change each other's minds or attack each other's position; emphasizing your respect for the other person and his or her opinion; and looking for an overarching principle governing both opinions to focus on common ground.
Don't turn a blind eye
If, for example, Donald Trump's plan to move the US Embassy in Israel to Jerusalem leads to a heated debate over the Arab-Israeli conflict in your weekly team meeting, the manager should swiftly shut it down by reminding everyone to stay on topic. "Managers need to be fairly cautious," says MacDonald. "If it turns into a shouting match, productivity will suffer." Julie Blais Comeau, chief officer of etiquette at EtiquetteJulie.com in Ottawa, agrees managers should intervene as soon as they sense unease. "All employees have a right to feel comfortable, safe and secure at work," she says. "Unfortunately, a work environment can be tainted very easily."
Learn a few exit strategies
To extricate yourself from a risqué conversation, try: "Oh, you're making me blush. I'm not going to talk about that," suggests Blais Comeau. Similarly, if someone makes an off-colour joke you could say, "I'm sure you meant that as a joke, but I'm not comfortable with it and I'm going to excuse myself from the conversation." Don't get personal or accuse the person of being sexist or racist, but don't pretend you're OK with it, either. "Silence is agreement," she says. If a political discussion is getting out of hand, you can fall back on the trusted, "Let's agree to disagree," or simply say you have another matter to attend to, says MacDonald.
Address recurring issues privately
If someone has a pattern of engaging in conversations inappropriately, approach the individual and ask to meet in private — don't send an email invitation (that's too official, says Blais Comeau). When you meet, state the facts: I've been hearing arguments/name-calling/door slams, etc., that startle me and affect my productivity. Be sure to present it from a personal perspective — "This is what I've been hearing and seeing" — and keep the "you" out of it so you aren't casting blame, she adds. "It's possible they're going full-speed ahead on adrenalin, unaware of how others are perceiving them."
Know the right way to apologise
More than one in four people (27%) say they lack the skills to smooth things over following a "catastrophic comment," the VitalSmarts survey finds. "We're all bound to have bad days, misjudge the situation or make a slip of the tongue," says Maxfield. "What is most concerning is our inability to recover in a way that actually repairs — rather than harms — relationships and careers."
If you cross a line like Janet did when she introduced her beau to colleagues via an ill-chosen photo, it's best to apologize on the spot, says Blais Comeau. Try: "Can we scratch that? I didn't think about it before I said it. I'm so sorry." But if you didn't do this, and you now have a strained relationship as a result, you need to specifically acknowledge and apologize for the past incident — even if it feels like raising the dead, says Maxfield. First, apologize as if it just happened, then ask what you can do to make things right and follow through by doing exactly as they ask.


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13 Flatbread Recipes That Are Almost Better Than Pizza
We'd be lying if we said there was anything on this Earth better than pizza. But when you break it down, even the best recipes are comprised of just a few basic ingredients: bread, sauce, and toppings. On those days when you don't feel like dealing with a complicated sauce or dough, why not try a simple flatbread instead? Tell pizza to move on over — these 13 flatbread recipes will more than earn a place in your heart.
1. Mediterranean Baba Ghanoush Flatbread: In this flatbread the tomatoes are on top, not in the sauce. Smokey baba ghanoush takes the place of marinara, while a scattering of hazelnuts add some crunch to the dish. (via Veggies by Candlelight)
2. Blue Cheese and Roasted Grape Flatbread: Roasted grapes add sweetness to this dish, which is balanced with some pungent blue cheese. Red onions, honey, and herbs bring it all together. (via Spiced)
3. Hot Pastrami Flatbread: Salty cured pastrami makes its way from rye bread to flatbread in this recipe. Top it with all the usual suspects: Swiss cheese, pickles, and a creamy dressing. (via Belly Full)
4. Naan Flatbread With Hummus and Kale: Salad is always better when it's paired with carbs. The greens are even more interesting in this recipe, because instead of lettuce, you've got hearty kale, which can stand up to the crunch of roasted chickpeas. (via The Pastiche)
5. Brussels Sprouts and Bacon Flatbread: You really can't go wrong with putting bacon on flatbread. It adds a smokey saltiness that's the perfect balance to the rest of the toppings, including Brussels sprouts and balsamic vinegar. (via Gimme Some Oven)
6. Lamb Salad Flatbread: Similar to Turkish pizza, this meal features za'atar-spiced lamb. Complete the dish with creamy sumac yogurt and a fresh vegetable salad. (via My Kitchen Love)
7. Fig and Caramelized Onion Flatbread With Balsamic Reduction: Sweet figs, caramelized onions, and tangy balsamic reduction — it's hard to go wrong with that flavor combination. Pair with some salty, creamy cheese and you have a winning dish. (via The Spice at Home)
8. Flatbread With Grilled Zucchini: This flatbread is the perfect way to use up extra zucchini. It's jazzed up with hemp seed oil, lemon, yogurt, and fresh herbs for a bright Mediterranean meal that begs to be served with a cold glass of wine. (via Heinstirred)
9. Broccoli Garlic Naan Pizza: Tender naan is one of our favorite flatbreads. Add a garlicky topping of broccoli, ricotta, and olives, and you've got dinner. (via Umami Girl)
10. Ricotta and Goat Cheese Flatbread With Brussels Sprouts: Brussels sprouts can be bitter, but in this recipe they're balanced out by sweet, tart cranberries. Add some ricotta and goat cheese to the mix and you'll be happy to eat your greens. (via With Salt and Pepper)
11. Jambalaya Flatbread: Chicken, shrimp, andouille sausage, and peppers — this jambalaya-inspired meal has it all. Just swap the rice for flatbread and you've got the perfect Louisianan finger food. (via Pepper Delight)
12. Vegan Potato Habanero Flatbread: Potatoes have a surprising creaminess that can help temper the fire of habanero peppers. Add a little vegan cream cheese and you've got the ultimate comfort food with a kick. (via The Savory Vegan)
13. Steak, Goat Cheese, and Roasted Brussels Sprouts Flatbread: Juicy steak makes this dish a proper entree. Bright balsamic and smooth honey goat cheese add tangy and sweet flavors that brighten up the whole meal. (via The Creative Bite)
Find out more fun ways to remake your favorite meals on our Pinterest page.


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SEO & PPC is not about manipulating Google. It's about complementing it.
True SEO & PPC is not about plastering your website and ads with keywords, submitting to a few directories and only tracking searching search engine rankings. If that's the focus of your SEO & PPC strategy, think again! Today, SEO & PPC is all about responding to your buyers' intent and coming up with strategies that will help them find and visit your website over your competitors.
If you are looking for a long term, results oriented approach to SEO & PPC, we are here to help. We will work with you to:
Our expert digital marketers will work with you to craft SEO & PPC strategies that will help put your business on the growth track.
- Define your SEO & PPC strategy
- Improve rankings & ad positions
- Build quality website traffic
Our SEO Services
Organic traffic is still the biggest traffic driver to a website. Our SEO experts work with you to put in place achievable SEO goals and deliver you the results you need to grow your business.
Our SEO services include:
- Site audit to ensure your website confirms to the latest SEO standards
- Thorough keyword research & crafting website keyword strategies
- Optimising your web pages for content and technical elements
- Crafting off page strategies
- Building SEO focused content strategies
Attract relevant traffic to your website. Work with our SEO experts to craft a winning SEO strategy for your business.
Our PPC services
Our PPC experts will help drive relevant traffic to your website at the least possible CPCs and help them convert into paying customers.
Our PPC services include:
- Extensive Keyword Research
- Channel Selection
- Landing page creation
- Modifying existing landing pages' content
- Campaign Setups
- Continuous Optimisation


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Hi There! Is this Your First Time?
Did you know if you Register you have access to free search tools including the ability to save listings and property searches? Did you know that you can bypass the search altogether and have listings sent directly to your email address? Check out our how-to page for more info.
- Price$245,000
- Beds3
- Baths2
- SQ. Feet1,567
- Acres0.17
- Built1959
701 E Commonwealth Place, Chandler
Great corner lot home in Chandler! Panoramic windows throughout. Eat in kitchen is complete with a plethora of cabinets, ample counter space, and black/stainless steel appliances. Master suite has built in cabinets and full ensuite with single sink vanity. Backyard features a patio with above ground spa and lush green grass with desert landscaping. This home is sure to go fast, so come see it today!
Essential Information
- Price$245,000
- Bedrooms3
- Bathrooms2.00
- Square Footage1,567
- Acres0.17
- Year Built1959
- TypeResidential
- Sub-TypeSingle Family - Detached
- StatusActive
- UtilitiesSRP
- Parking Spaces2
- PoolNo Pool
- ExteriorPainted
- Exterior FeaturesCovered Patio(s), Patio
- Lot DescriptionCorner Lot, North/South Exposure
- RoofComp Shingle
- ConstructionBlock
Listing Details
- Listing OfficeWest USA Realty
Community Information
- Address701 E Commonwealth Place
- SubdivisionPAMELA PARK
- CityChandler
- CountyMaricopa
- StateAZ
- Zip Code85225
- Interior Features9+ Flat Ceilings, No Interior Steps
- HeatingElectric Heat
- CoolingRefrigeration
- FireplacesNo Fireplace
- # of Stories1
School Information
- District080 - Chandler Unified District
- ElementaryFrye
- MiddleWillis
- HighHamilton
Price Change History for 701 E Commonwealth Place, Chandler, AZ (MLS® #5768777)
|Price Reduced from $250,000 to $245,000
|Price Reduced from $255,000 to $250,000
|Price Reduced from $265,000 to $255,000
Properties for Sale Similar to 701 E Commonwealth Place, Chandler, AZ
3 Bedroom Residential Property in Chandler, AZ
4 Bedroom Residential Property in Chandler, AZ
Information Deemed Reliable But Not Guaranteed. All information should be verified by the recipient and none is guaranteed as accurate by ARMLS. ARMLS Logo indicates that a property listed by a real estate brokerage other than RE/MAX Alliance Group. Copyright 2019 Arizona Regional Multiple Listing Service, Inc. All rights reserved.
Listing information last updated on October 16th, 2019 at 10:03pm CDT.


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Check out my Graphic Design Portfolio. My work ranges from branding, advertising, editorial design and photography.
Need a brand identity?
Shop my brand kit collection!
Do you love design, music, make up, and travel? SAME! Read my latest blog posts.
create your own brand identity
Do you need to refresh your brand with a new identity or are you a new entrepreneur?
Helloo SamSam Designs is a shop made for female empowered women ready to launch their business careers. Here you can find brand kits, social media templates, business cards designs, and custom design services.


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Travel Humraahi Pvt. Ltd.
Top Floor, Keonthal Commercial Complex
Opposite Co-operative Bank Shimla
Himachal Pradesh - 171002
Phone: +91-9882-976663 / 2
Hotel Aroma Palace is located in the middle of Chamba city and offers a convenient stay for tourists. It has various rooms in different categories i.e. economy, deluxe, super deluxe and so forth. You can also enjoy the panoramic view of the Chamba city while the cordial staff of the hotel makes your stay here very comfortable.
Hotel Aroma Palace, Near Pink Palace, Court Lane, Chamba, Himachal Pradesh, India, 176310
01899-225577 094180-22098
Bed & Breakfast
Car Parking
Car Rental and Sight Seeing
Conference Hall
Credit Card Facility
Doctor on call
Internet Facility
Laundry service
Money Exchange
Popularly known as Chamba Kailash, the Manimahesh Kailash Peak stands at a
This quaint valley system is situated at a height of 996 m. above the sea l
Located centrally in the town of Bharmour, the temple has garnered immense
Bharmour is located 62 km from Chamba and 102 km from Dalhousie. In the 6th


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The pictures and descriptions are both drawn from their site. You should check it out. The tomatoes are arranged in the picture above with the Abe Lincoln in the upper left and the rest read left to right.Abe Lincoln 12 oz
A popular heirloom tomato introduced in Illinois in 1923 by the Buckbee Seed Co. These organic tomato seeds produce brilliant red, round, medium-sized, 12 oz. tomatoes in clusters up to 9. A good disease resistant tomato. Delicious, rich, slightly acidic tomato flavors. You'll want to grow these certified organic tomato seeds year after year.Dona 6 oz
This excellent variety was bred by the French specifically for their customers in markets, where flavor and quality standards are uncompromising. Slightly flattened, almost seedless, round tomato with a sweet/acid balance (just like the commercial hybrid) that few modern tomatoes can match. The heavily producing plants yield 6 ounce, juicy fruits that are smooth, meaty, and deep-red in hue. Good disease resistance.Amy's Sugar Gem 2 oz
Developed by Dr. Jeff McCormack who crossed the small fruited 'Red Cherry' with the larger heirloom 'Tappy's Finest'. 'Amy's Sugar Gem' is named in appreciation of Amy Hereford whose grandmother "Tappy" introduced Jeff to heirloom tomatoes in 1982. The 'Sugar Gem' portion of the name refers to the sweet flavor and the tiny light gold sparkles in the red skin. Our TomatoFest organic tomato seed produces indeterminate, regular-leaf, tall, sprawling, vigorous tomato plants that yield HUGE crops of 2 oz., 1 1/2" golf ball sized, red, meaty, juicy tomatoes that have a small core and delicious sweet, well-balanced flavors. A perfect choice as a snacking tomato, salad tomato or for tomato sauces. Sweet! "Candy-on-the-vine," not to be missed!Atkinson 8 oz to 1 lb
Introduced 1966 for southern, hot and humid areas by Auburn University. TomatoFest organic seeds produce indeterminate, regular-leaf, vigorous plants with good yields of 8 oz. to 1 lb., red, globe-shaped tomatoes that are very meaty with good, old-fashioned tomato flavors. Tomatoes are meaty. This is an outstanding tomato for sandwiches, salads and canning. Great for growing in Southeastern U.S. and tropical regions. Disease Resistant. A good choice to grow as a fresh market tomato.Bloody Butcher 4 oz
A sensational and very popular, early producing tomato variety. A good choice for a tomato as you wait for later varieties to harvest. Our organic tomato seeds produce indeterminate, vigorous, potato-leaf plants that yield copious amounts of 2", 4 oz, fruits that are deep-red color, inside and out. Five to nine fruits per cluster with a rich heirloom tomato flavor. Plant produces well until frost. A good tomato variety for cooler growing regions since fruits ripen quickly. A good canning tomato.Black Cherry 2 oz
The only truly black cherry tomato. Our TomatoFest organic tomato seeds produce large, sprawling, indeterminate, regular-leaf, vigorous tomato plants that yield abundant crops in huge clusters of 1", round, deep purple, mahogany-brown cherry tomatoes. Fruits are irresistibly delicious with sweet, rich, complex, full tomato flavors that burst in your mouth, characteristic of the best flavorful black tomatoes. Beautiful to mix with other colored cherry tomatoes. Unique tomato variety. Disease resistant. Once you try it...you want MORE.Grouped by size:
- 1) Amy's Sugar Gem and Black Cherry in the 2 oz range
- 2) Dona and Bloody Butcher in the 4-6 oz range
- 3) Abe Lincoln and Atkinson 8 - 16 oz


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Are you keen to find out how you can support the growth of a more sustainable economy and society?
Would you like your business to join the global community of certified B Corps?
University of Exeter's One Planet MBA team have paired up with B Lab UK to host an evening of conversations on the role of business in creating a more sustainable and inclusive economy.
Where is it? University of Exeter Business School, Building One, Rennes Drive, Exeter EX4 4PU
When is it? Thursday 29 June from 5:30pm to 7:30pm
Georgie Morris from B Lab UK will introduce the B Corp certification, the growing community of B Corps in the UK and how you can get involved in this market-leading movement.
We'll be hearing from Leap and Neighbourly, two certified B Corps from the UK community, on their experiences of becoming a B Corp and their vision for the role of purpose led businesses in the South West.
Our evening will round off with drinks and networking, giving you time to connect with amazing people from across the South West.
The evening will run as follows:
5:30 – 6:00 – Welcome and networking – Welcome toast from Adam Lusby, One Planet MBA
6:00 – 6:15 – Georgie Morris from B Lab UK: presentation on B Corp beginnings, the global movement, expansion to the South West and why businesses want to become B Corps
6:15 – 6:30 – B Corp profile: Matt Hocking from Leap
6:30 – 6:45 – B Corp profile: Martha Goudie from Neighbourly
6:45 – 7:00 – Recap on certification and Q&A
7:00 – 7:30 – Drinks and networking
Come along if you're…
– A business interested in profit with purpose
– A local authority that wants to support businesses in the South West
– An academic or student interested in how to incorporate profit with purpose into your curriculum
– A consultant interested in how you can support purposeful businesses
– New to sustainable business and simply want to find out more
Where is it? University of Exeter Business School, Building One, Rennes Drive, Exeter EX4 4PU
When is it? Thursday 29 June from 5:30pm to 7:30pm
Reserve your place HERE
What is the B Corp movement?
The UK B Corp movement is a growing community of businesses who are using the power of entrepreneurship to tackle social and environmental issues. B Corps are certified to meet rigorous standards of social and environmental performance, accountability and transparency.


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32 people, some of them minors, have been put behind bars in Turkey for attacking government websites in response to the Turkish government's plan to force people to filter their internet content.
The new filtering system is to go into effect on August 22 and will require internet users in Turkey to choose an internet filter that will restrict what content they can view on the web.
The hackers that attacked the website belong to the hacking group Anonymous who accuses the Turkish government of trying to suppress dissent and news and monitor its citizens activities on the web.
[ad code=1 align=center]
The hackers used a program that overwhelms a website with data slowing it and down and crashing it.
Many people across the country have taken to the streets to protest the internet filtering plan.


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Research Project
Grant-in-Aid for General Scientific Research (B)
The purposes of this research project are to create novel quantum dot embedded in oxide glasses by ion implantation and to examine the optical properties of the resulting materials. The results obtained are summarized as follows :(1) Dual structure nano sized colloid particles (Cu core and a Cu_2O shell) embedded in glasses have been created by sequential implantation of Cu ions followed by F ions in amorphous silica. Although the presence of nanosized clusters and electron diffraction patterns indexed as Cu were observed by TEM observation, no Cu plasmon band which should appear at-2eV was perceived.(2) A striking difference in results from different implantation sequences, the optical absorption spectra and structure of nanosized colloid particles formed by changing the implantation sequence of Cu and F ions. The difference is explained in terms of a model combining energy depositions with chemical interactions of implanted F ions with ions an amorphous SiO_2.(3) Nanometer-sized crystalline Ge colloid particles have been formed by implantation of protons into substrate glasses having a composition of 1GeO_2-9SiO_2 to a fluence of 1x10^<18> cm^<-2> at an energy of 1.5 MeV at toom temperature without post-thermal annealing. Intensities of the absorption band due to Ge particles reach a maximum at-30mum from the surface and their depth profile is close to that of the electronic energy loss.(4) The primary facor controlling Cu-colloid formation in the mplanted glasses is not the change in the continuity of silica network structure but change in the strength of solvation of charged states of implanted ions.
Published: 1994-04-01
Modified: 2016-04-21
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