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The 2008 and Q1 2009 reports of Berkshire Hathaway (NYSE: BRK.A, NYSE:BRK.B) has showcased many of the downsides of investing in derivatives. Many things remain unclear for most people so I thought it would be important to transmit the message, as clearly as Warren Buffett wanted it to be, about the phenomenal derivative position currently held by Berkshire.
I provide here an excerpt of Buffett's most recent letter to shareholders, in the 2008 annual report of Berkshire Hathaway, where he explains why he got into that derivative position and explains what are his plans regarding it. I chose to show it because there is now way I could have but it in better words than he did. It is pretty hefty, mostly due to the amount of details regarding how equity puts work:
I provide here an excerpt of Buffett's most recent letter to shareholders, in the 2008 annual report of Berkshire Hathaway, where he explains why he got into that derivative position and explains what are his plans regarding it. I chose to show it because there is now way I could have but it in better words than he did. It is pretty hefty, mostly due to the amount of details regarding how equity puts work:
Considering the ruin I've pictured, you may wonder why Berkshire is a party to 251 derivatives contracts (other than those used for operational purposes at MidAmerican and the few left over at GenRe). The answer is simple: I believe each contract we own was mispriced at inception, sometimes dramatically so. I both initiated these positions and monitor them, a set of responsibilities consistent with my belief that the CEO of any large financial organization must be the Chief Risk Officer as well. If we lose money on our derivatives, it will be my fault.
Our derivatives dealings require our counterparties to make payments to us when contracts are initiated. Berkshire therefore always holds the money, which leaves us assuming no meaningful counterparty risk. As of yearend, the payments made to us less losses we have paid – our derivatives "float," so to speak – totaled $8.1 billion. This float is similar to insurance float: If we break even on an underlying transaction, we will have enjoyed the use of free money for a long time. Our expectation, though it is far from a sure thing, is that we will do better than break even and that the substantial investment income we earn on the funds will be frosting on the cake.
Only a small percentage of our contracts call for any posting of collateral when the market moves against us. Even under the chaotic conditions existing in last year's fourth quarter, we had to post less than 1% of our securities portfolio. (When we post collateral, we deposit it with third parties, meanwhile retaining the investment earnings on the deposited securities.) In our 2002 annual report, we warned of the lethal threat that posting requirements create, real-life illustrations of which we witnessed last year at a variety of financial institutions (and, for that matter, at Constellation Energy, which was within hours of bankruptcy when MidAmerican arrived to effect a rescue).
Our contracts fall into four major categories. With apologies to those who are not fascinated by financial instruments, I will explain them in excruciating detail.
• We have added modestly to the "equity put" portfolio I described in last year's report. Some of our contracts come due in 15 years, others in 20. We must make a payment to our counterparty at maturity if the reference index to which the put is tied is then below what it was at the inception of the contract. Neither party can elect to settle early; it's only the price on the final day that counts.
To illustrate, we might sell a $1 billion 15-year put contract on the S&P 500 when that index is at, say, 1300. If the index is at 1170 – down 10% – on the day of maturity, we would pay $100 million. If it is above 1300, we owe nothing. For us to lose $1 billion, the index would have to go to zero. In the meantime, the sale of the put would have delivered us a premium – perhaps $100 million to $150 million – that we would be free to invest as we wish.
Our put contracts total $37.1 billion (at current exchange rates) and are spread among four major indices: the S&P 500 in the U.S., the FTSE 100 in the U.K., the Euro Stoxx 50 in Europe, and the Nikkei 225 in Japan. Our first contract comes due on September 9, 2019 and our last on January 24,2028. We have received premiums of $4.9 billion, money we have invested. We, meanwhile, have paid nothing, since all expiration dates are far in the future. Nonetheless, we have used Black-Scholes valuation methods to record a yearend liability of $10 billion, an amount that will change on every reporting date. The two financial items – this estimated loss of $10 billion minus the $4.9 billion in premiums we have received – means that we have so far reported a mark-to-market loss of $5.1 billion from these contracts.
We endorse mark-to-market accounting. I will explain later, however, why I believe the Black-Scholes formula, even though it is the standard for establishing the dollar liability for options, produces strange results when the long-term variety are being valued.
One point about our contracts that is sometimes not understood: For us to lose the full $37.1 billion we have at risk, all stocks in all four indices would have to go to zero on their various termination dates. If, however – as an example – all indices fell 25% from their value at the inception of each contract, and foreign-exchange rates remained as they are today, we would owe about $9 billion, payable between 2019 and 2028. Between the inception of the contract and those dates, we would have held the $4.9 billion premium and earned investment income on it.
• The second category we described in last year's report concerns derivatives requiring us to pay when credit losses occur at companies that are included in various high-yield indices. Our standard contract covers a five-year period and involves 100 companies. We modestly expanded our position last year in this category. But, of course, the contracts on the books at the end of 2007 moved one year closer to their maturity. Overall, our contracts now have an average life of 2 1/3 years, with the first expiration due to occur on September 20, 2009 and the last on December 20, 2013.
By yearend we had received premiums of $3.4 billion on these contracts and paid losses of $542 million. Using mark-to-market principles, we also set up a liability for future losses that at yearend totaled $3.0 billion. Thus we had to that point recorded a loss of about $100 million, derived from our $3.5 billion total in paid and estimated future losses minus the $3.4 billion of premiums we received. In our quarterly reports, however, the amount of gain or loss has swung wildly from a profit of $327 million in the second quarter of 2008 to a loss of $693 million in the fourth quarter of 2008.
Surprisingly, we made payments on these contracts of only $97 million last year, far below the estimate I used when I decided to enter into them. This year, however, losses have accelerated sharply with the mushrooming of large bankruptcies. In last year's letter, I told you I expected these contracts to show a profit at expiration. Now, with the recession deepening at a rapid rate, the possibility of an eventual loss has increased. Whatever the result, I will keep you posted.
• In 2008 we began to write "credit default swaps" on individual companies. This is simply credit insurance, similar to what we write in BHAC, except that here we bear the credit risk of corporations rather than of tax-exempt issuers.
If, say, the XYZ company goes bankrupt, and we have written a $100 million contract, we are obligated to pay an amount that reflects the shrinkage in value of a comparable amount of XYZ's debt. (If, for example, the company's bonds are selling for 30 after default, we would owe $70 million.) For the typical contract, we receive quarterly payments for five years, after which our insurance expires.
At yearend we had written $4 billion of contracts covering 42 corporations, for which we receive annual premiums of $93 million. This is the only derivatives business we write that has any counterparty risk; the party that buys the contract from us must be good for the quarterly premiums it will owe us over the five years. We are unlikely to expand this business to any extent because most buyers of this protection now insist that the seller post collateral, and we will not enter into such an arrangement.
• At the request of our customers, we write a few tax-exempt bond insurance contracts that are similar to those written at BHAC, but that are structured as derivatives. The only meaningful difference between the two contracts is that mark-to-market accounting is required for derivatives whereas standard accrual accounting is required at BHAC.
But this difference can produce some strange results. The bonds covered – in effect, insured – by these derivatives are largely general obligations of states, and we feel good about them. At yearend, however, mark-to-market accounting required us to record a loss of $631 million on these derivatives contracts. Had we instead insured the same bonds at the same price in BHAC, and used the accrual accounting required at insurance companies, we would have recorded a small profit for the year. The two methods by which we insure the bonds will eventually produce the same accounting result. In the short term, however, the variance in reported profits can be substantial.
We have told you before that our derivative contracts, subject as they are to mark-to-market accounting, will produce wild swings in the earnings we report. The ups and downs neither cheer nor bother Charlie and me. Indeed, the "downs" can be helpful in that they give us an opportunity to expand a position on favorable terms. I hope this explanation of our dealings will lead you to think similarly.
You can also read the full 2008 annual report of Berkshire Hathaway (NYSE: BRK.A, NYSE:BRK.B) on the annual report section of the company's website.
Full Disclosure: The author does not have a position in BRK.A or BRK.B.


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The Thoracic Surgery Clinic at Lawrence General Hospital was founded in 2010 to better serve the thoracic surgical needs of people in the Merrimack Valley and surrounding communities. Instead of having to travel long distances for this kind of specialized care, patients now can have consultations in a comfortable, relaxed, non-clinical, local atmosphere. The Clinic is open weekly on Wednesday morning in the Hospital's state-of-the-art South Pavilion.
We are proud to announce a new joint venture by Lawrence General Hospital and Tufts Medical Center to provide state of the art thoracic surgery services at Lawrence General Hospital. As of January 2016, Drs. Paresh Mane and Laurence Brinckerhoff joined the Lawrence General Surgical Staff as and will provide comprehensive thoracic surgery care to the patients of the greater Lawrence area. In addition to the physicians, a Clinical Nurse Navigator and MITS Coordinator help coordinate the Clinic and oversee day-to-day operations. Patients are referred to the Clinic by their primary care physician or specialist.
The Clinic treats a wide range of minimally invasive and other procedures associated with the chest area of the body, including:
The experience of the staff and the advanced techniques available to them enable the Clinic to greatly benefit patients by decreasing the length of their hospital stay, minimizing post-operative pain and decreasing the time it takes for them to return to normal activity. Some length of stays can be reduced by 50% due to our minimally invasive procedures and technology.
To contact the Thoracic Surgery Clinic, call 978-683-4000, ext. 8250 or 978-946-8250.

subset: commoncrawl


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This Prosecco not only looks superb but it tastes amazing too! Presented in a rose wrapped bottle, this makes a fantastic gift for any special occasion. The Prosecco is a magnum so its double the normal bottle size and makes a real statement.
Bottle Size: Standard Bottle 150cl (1500ml)
Ordering multiple gifts for friends, family and business clients couldn't be easier, our shopping cart allows you to send to mulitple people at different addresses in just one transaction.
One Payment, One Receipt, All addresses entered are verified by our Postcode checker for accuracy, You can select multiple products, You can select individual delivery dates and gift card messages for each order.
Click here to see How to Order Gifts to Multiple Addresses
Please complete the information below to place your order.
Please enter the delivery post code and select the address from the drop down list
Please select your preferred delivery date
Delivery options will show after you select a delivery date
You can personalise this gift with a personal message. Please type your message below, don't forget to add your name so the recipient knows who sent them the gift!
Your personalised message will be printed onto a plastic card, placed into a small silver envelope and inserted with the gift. Below is a preview of how your card will look. You can adjust the font and size using the boxes below
You can style your card by selecting font type, size and position here
You might like to add a helium balloon to your order for just £6.99
Scroll through the balloons to find the occasion required. Clicking on add will place the gift and the balloon into the shopping cart.
Perfect for saying thank you, congratulations, get well soon, happy retirement, welcome to your new home, baby boy, baby girl and of course Happy Birthday!
You can change the quantity here if you need to send more than 1 gift to the above recipient.
Need to send to multiple addresses? First Click on add to shopping cart, then Click on the Send another Gift button.
A Magnum of Langlois-Chateau Cremant de Loire Brut Sparkling Wine (1.5 litres). This is presented in a wooden gift box and is lined with wood wool. Pe...
This Rioja magnum comes from Luis Canas and is a 1999 Reserva. Produced from the Tempranillo grape this red wine magnum makes a great centre piece for...
This makes for a really nice gift. A sparkling rose wine that is such a great drink. Presented in a wooden gift box and delivered on a day of your cho...
This Prosecco not only looks superb but it tastes amazing too! With a fresh and crisp citrus taste and presented in a gold wrapped bottle this makes a...
An exquisite Malbec from the Mendoza region of Argentina. Argentina are famed for their Malbec wines and this one is great but even better as a magnum...


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From California, USA:
I have a nine year old son who for the last two days has been showing large ketones in his urine in the morning. His blood sugar in the morning has been elevated for the past two weeks (200-360). I give him extra Regular and am basically "chasing" the ketones away. I don't like doing this but am forced into the position because my insurance doesn't take effect until Feb. 1 [one month from now]. He is on three shots a day. He takes NPH and Regular in the morning, Regular at dinner and NPH at night. His blood sugars are normal during the day. Last night he had a reading of 44 at 10 pm, but when he got up this morning it was 360 and showed large ketones. Any suggestions?
The most probable explanation for the changes you describe is that your son is getting hypoglycemic in the middle of the night and that the high blood sugars on waking reflect a rebound. Without knowing what his weight is, it is hard to be sure; but it looked as though his total dose of insulin was in the upper range of normal anyway so that if he has recently become involved in vigorous exercise this could explain the change.
You need to talk to his diabetes team about this as soon as you can; but in the meantime there are some things to do.
First of all, you need to set the alarm clock and do a few blood sugars between midnight and 3 a.m. Then at bedtime see that he has a substantial snack that contains protein as well as carbohydrate say cheese and crackers. There are some proprietary products like Nite Bite and others that you could use; but they are relatively expensive. If these steps don't solve the problem within a week you will need to change the insulin, if it hasn't been changed already: Perhaps the nurse-educator on the diabetes care team will talk to you even if the insurance is not yet in force.
It is still all right to use a sliding scale for the Regular insulin in the morning but hopefully major adjustments will no longer be needed.
[Editor's comment: I'd urge you to definitely call your future Diabetes Team, even though the new insurance isn't yet in effect. If it's a Diabetes Team that your son has been followed by previously, they should be willing and able to give you some simple advice over the phone about changing insulin doses (that isn't appropriate for us to give over the Internet).
If he's new to their program, you might need to schedule a "brief new patient visit" (which is a technical term for billing purposes) that you'd have to pay for out-of-pocket, unless they're nice enough to see him at no charge. WWQ]
Original posting 6 Jan 97
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Last Updated: Tuesday April 06, 2010 15:08:52
This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
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City considering ways to expand housing aid
City considering ways to expand housing aid
Proposed changes in the city's housing voucher program could help more families but could lower subsidies already in the program.
The Des Moines Register reports that stricter requirements on the number of bedrooms for which families are eligible could allow aid to reach up to 140 more households. The current Section 8 housing program provides aid to about 3,000 low-income Des Moines households.
The money comes from the U.S. Department of Housing and Urban Development, but the city may set its own guidelines for distribution.
Some residents now in the program worry the proposed changes would require them pay more each month or could force them to move.
The council is scheduled to vote on the change at its 4:15 p.m. meeting Monday.


text: Garry Shandling is a comedian, writer, and actor with a career that has spanned over three decades. He is most well known for his work as a writer and actor in The Larry Sanders Show and It's Garry Shandling's Show. He has been nominated for 19 Emmy's and two Golden Globes amongst many other awards.


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Words that end in anscension
Found 1 words that end in anscension. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words that end with anscension. Or use our Unscramble word solver to find your best possible play! Related: Words containing anscension
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For the croquette batter: In a heavy pot, heat the milk and chicken stock on the stove and then add the white pepper, fresh parsley and salt, if needed. In a separate heavy pot, melt the butter and add the minced celery. Stir in the flour and cook for 3 minutes. Pour in the hot milk and stock and stir until thickened and smooth. Fold in the chicken meat and allow to cool.
Breading the croquettes: Shape 3-ounce portions of croquette batter in the shape of a cone and place on a tray lined with waxed paper. Next make an egg wash from the milk, eggs and salt. Dip the croquettes in the egg wash and then into the flour and let stand a few minutes. Finish breading by dipping the croquettes back in the egg wash and then rolling in breadcrumbs.
For the chicken gravy: Melt the butter in a 1- or 2-quart saucepan, and stir in the flour. Pour in the stock and whisk until smooth. Bring to a boil, reduce the heat and cook for 20 minutes. Add the fresh parsley, white pepper and salt, to taste, (if fresh stock was used).
Cooking the croquettes: Fry the croquettes in a pot with salad oil or liquid shortening, heated to 350 degrees F, until golden brown, 2 to 3 minutes. Drain well and blot on paper towels. Place on a bed of mashed potatoes and top each croquette with chicken gravy.
This recipe was provided by a chef, restaurant or culinary professional. It has not been tested for home use.
Recipe courtesy of Chef Larry, The Dining Car, Philadelphia, PA
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Love to Swim is a new service which has been developed by High Life Highland. This premium service offers swimming lessons either on a one to one basis, or a one to two basis. All Love to Swim Instructors are ASA Level 2 qualified and have a wealth of aquatics experience, to ensure the highest… Read more »Read more
Macdonald Aviemore Highland Resort will continue to provide High Life members with free access to their swimming facilities, after signing a new three year agreement with The Highland Council. High Life members will have continued access to the excellent facilities, including the lagoon swimming pool, giant flume, wave machine, toddlers' pool, sauna and steam room… Read more »Read more
Martin Rattray – Local Councilor Over a 10 week period, Martin had 8 personal training sessions at Invergordon Leisure Centre with Gary Bruce and followed a set programme on weekdays. Martin said 'I realised I needed to do something new, now at 53 years young, and these personal training sessions were the perfect opportunity to… Read more »Read more
Portree Primary School, has become the first school in the Highlands to receive the sportscotland, Gold School Sport Award. This prestigious national award recognises achievement and innovation in delivering physical education and extra-curricular sport. The School Sport Award is a national initiative that is designed to encourage schools to continuously improve the quality and quantity… Read more »Read more
High Life Highland has announced a new sponsorship agreement with Harry Fairbairn BMW in Inverness. Having recently arrived in Inverness, Harry Fairbairn has a record of developing a strong local presence and affinity within the community. High Life Highland is an ideal partner to achieve this aim as it delivers a wide range of cultural,… Read more »Read more
Official Opening for Invergordon Leisure Centre High Life Highland has unveiled expanded and improved facilities at Invergordon Leisure Centre. Funded by The Highland Council, facilities including a new fitness room and dance studio were officially declared open at a ribbon cutting ceremony last Monday. Returning to perform the ceremony was Barbara Mackenzie who retired in… Read more »Read more


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Swype Installed, Swiftkey Paid For
|Image via CrunchBase
Typing is fast enough on the smartphone for me. But it can always do one better.
I don't seem to able to find Swiftkey Flow that supposedly accepts Swype like, well, swipes.
SwiftKey Counters Swype With A Smarter Version, Makes An In-Road Into Healthcare Market
the market seems to be turning into a face-off fight between Swype and Swiftkey. ..... Swiftkey has also released a custom version for the medical industry called SwiftKey Healthcare, allowing health care professionals take better and faster notes on tablets. This is their first entry into enterprise ..... Swiftkey works by understanding what you intend to type by the context of what you are writing. It both corrects words and suggests the next word. The app can be synced with your email, Tweets, and Facebook status updates to better learn your style and vocabulary. As a result the company estimates it's saved its users over 65 billion keystrokes. ..... The ability to dictate, rather than type, words may help it in Asia where some languages with non-Roman alphabets have thousands of characters. Nuance bought Swype in October for $102.5m.Swiftkey adds Swype-like gestures to its Android keyboard. Swell!


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Much of the Arkansas soybean acreage is struggling and a large portion hasn't even been planted. "There are some serious problem areas," says Roger Gipson, Pioneer agronomist. "In the White River bottoms — and even outside the flood zone like in Jackson County —thousands of acres are yet to be planted. It hasn't rained since the river dropped over six weeks ago.
"I was just in St. Francis and Crittenden County (in east Arkansas) and there are some hot spots where growers have half stands, at best. They aren't sure how to proceed. Growers south of Walnut Ridge and Lawrence County are also having major issues with the bean crop."
The Arkansas soybean crop is at least several weeks later than normal. "But a lot of acres haven't been planted. Pray for rain, man."
Lanny Ashlock, Cullum Seed agronomist, is "pretty pleased" with most earlier-planted soybeans. Overall, the April plantings "look pretty good … and many of the growers with early plantings have scheduled or are scheduling fungicide and/or insecticide applications."
However, the bulk of the full-season crop is much more variable. The spectrum includes "some very strong fields (and some) weak fields due primarily to variation in soil moisture at planting. A common denominator with a considerable portion of the full-season plantings is that the beans are very young, often the same as double-crop plantings."
A lack of soil moisture has made double-crop soybeans a difficult proposition. Even so, "it's impressive to see how hard our growers are working to get the double-crop planted and up to stand. Many are bedding and either planting dry and trying to water them up or irrigating and then planting into moisture (which seems to be more consistent).
"It's a hard way of doing business — it appears that we've got poly-pipe strung out everywhere — but we are slowly getting the 2008 Mid-South crop planted. In many cases, the resulting stands are on the thin side but usually acceptable (although) there are exceptions."
If it had not been so dry, many producers would have their double-crop plantings done by July 1. That won't happen, now. "A substantial amount of our double-crop and full season beans are yet to be planted — it's a guess, but I'd say at least 200,000 acres."
What about seed quality issues this year?
"Going in, we knew 2008 would be a challenging year for seed quality," says Ashlock, formerly the Arkansas Extension soybean specialist. "Of course, I work for a seed company now and I know how (Cullum) tried to provide a product that soybean growers expect. I'm sure the other companies did the same.
"Overall, the companies provided an adequate product, but I think most would agree that the overall bean seed quality in the Mid-South was a concern in 2008, especially with late plantings. The difficulty in getting a stand with the double-crop or late plantings has been compounded some because the seed was planted deeper than normal as growers tried to put it into moisture. This resulted in additional stress on obtaining good, uniform seedling emergence."
John Rupe, a plant pathologist with the University of Arkansas, says the problems seen in soybean seed aren't a surprise. Reports in early 2008 showed "seed lots didn't necessarily have low germ, but they did have low vigor. As long as planting conditions were good, we didn't see much stand trouble. But as soon as there was a little stress on the seed, vigor trouble really came to the forefront."
Now, Rupe is "having problems with soybeans, just as growers are. One of my late-planted tests is a bust — not enough seed came up. Another cultivar planted at the same time nearby has a good stand. That points to a seed quality issue.
"But we're also planting under rather stressful conditions. I suspect (the stand problems) are a combination of environmental stress and seed vigor problems."
Rupe recently checked soybean fields in a swing through the Delta. "Several fields in southeast Arkansas have borderline stands. In most, plant numbers aren't low enough to replant, but they're close."
Soil texture seemed to play a part. "In the fields we saw, the heavier, clay soils tended to have better stands than the sandier soils.
"We dug up seed. Lots of it had germinated but didn't have enough 'oomph' to get to the surface."
Most of the soybeans Rupe scouted were irrigated. "But this isn't the time of year you want to be irrigating. You can hurt stands by trying to irrigate beans up. Of course, that's better than not getting a stand. There are certainly a lot of growers flushing fields to get beans up. It isn't just a dryland/irrigated issue."
What do current conditions portend — if anything — for next year's seed supply?
"I don't think it'll be a big factor for what's harvested this year," says Ashlock. "What will impact seed quality this fall will be the same thing that impacted it last year: environmental conditions near, at and following, seed maturation. If it cools off and is reasonably dry from the last week of September and October, we should have very good quality seed.
"When we harvested our seed production in 2007 we were somewhat apprehensive because of environmental conditions. It was very warm and humid with many showers occurring during seed maturation and at harvest — not only in the Mid-South but in many areas of the Midwest."
Even at this late stage, Ashlock encourages growers "to take your time and ensure a stand. At least in the northern half of the Mid-South, if we can plant by July 10 and get a stand, there's still pretty good yield potential with good irrigation and pest management practices. The dryland fields will typically suffer the most.
"Once we get the crop up and growing, I'm confident that given half a chance, growers will be able to push it and make some good things happen."
The soybean crop can compensate for thin stands, "especially on irrigated, lighter soils. That's why we're better off going with a thinner stand if it's uniform (50,000 to 70,000 plants per acre) — even a stand that's thinner than most growers are comfortable with.
"That's often better than going in and tearing up that thin stand, replanting and hoping what comes up will be better. Of course, (by replanting) the risk is you could lose everything."
e-mail: [email protected]


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Raytheon Missile Systems Company - Tucson, AZ
Original Date: 09/14/1998
Revision Date: 01/18/2007
Raytheon Missile Systems Company (RMSC) instituted the Automated Calibration System (ACS) to maintain calibrations on a broad spectrum of equipment. This computer-controlled, interactive system provides high quality, consistent results for calibrating engineering and production test equipment found in automated test equipment stations.
ACS was developed to improve productivity by automating the calibration process of direct current, low frequency, radio frequency, and microwave test equipment. However, the system also provided additional benefits through easy use and maintenance of calibration operations, uniformity of system operations, software designs, and calibration procedures. With the ability to decrease calibration turnaround time, ACS can handle future workload increases by reducing schedule interruptions, lowering program costs, and eliminating manual interference or misinterpretation of equipment manual requirements.
ACS eliminated the need for highly experienced metrology technicians; long lead time scheduling of equipment calibrations into production cycles; and recurring costs associated with software development. This calibration system also provides a cost effective method of meeting calibration requirements as workloads increase.
For more information see the
Point of Contact for this survey.


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With Easter upon us, and chocolate eggs galore it seems, I thought this blog post would be a timely one to share this week.
I actually get asked this question quite a bit, and it is one definitely worth exploring.
So my basic answer to whether chocolate is good for our health or not, is yes. BUT…it depends on what kind of chocolate.
The typical Cadbury's dairy milk chocolate or the chocolate that comes in the form of bars like Mars and Snickers, are NOT good for you. They are basically laden with refined sugar and dairy and other not-so-healthy chemicals, preservatives and additives.
When I think of (and eat and enjoy!) chocolate, what I am referring to is the stuff with just 3-4 ingredients- cacao, cacao butter, natural sweetener and maybe a spice or essential oil flavouring.
The cacao content should also be a high dark chocolate of 75% or above.
If you eat a square or two of this real chocolate, then you can be rest assured that what you are eating is pretty healthy. You will also find that 1-2 squares will probably satisfy your chocolate craving just right.
Eating a small amount of dark chocolate every week has been linked to health benefits such as a reduction in the risk of stroke, lower blood pressure, lower bad LDL cholesterol and a reduction in cardiovascular risk.
Dark chocolate also has inflammation fighting properties. Other studies have also found that regularly eating chocolate increases insulin sensitivity, thereby reducing risk for diabetes.
Dark chocolate also contains antioxidants called flavonoids. And because chocolate is so enjoyable to eat, I helps reduce stress. It also has the power to make you feel loved-up and happy from the phenethylamine (PEA) it contains. Known as the "love drug", PEA is one of many chemicals associated with feelings of love, excitement, focus and attention
So by now I should have convinced you that chocolate is something you can and should indulge in, but you might be wondering which chocolates I recommend.
As a self -confessed chocolate lover I have a few faves 😀
- The chocolate I eat the most is Big Tree Farms Wonder Chocolate. Not only because it tastes amazing, is raw and organic, 73% dark and sweetened using coconut nectar, but also because it comes in perfect single serve sizings of 30grams. And I always also have heaps of these bars on-hand because I supply Wonder Chocolate to Jakarta folks and have boxes of it at home all the time (talk about dangerous for a chocolate lover!). There are two delicious flavours too- 73% dark and 73% dark with cacao nibs and sea salt.
- Because it is easy to get here in Jakarta, the dark chocolate I usually eat is Lindt 85% Cocoa. It does contain refined sugar, but the quantity is low, so I feel like a square or two of this when a craving hits is ok, especially as my lifestyle is really healthy otherwise.
- it is not so easy to get in Jakarta, but I really love Pana Chocolate which is raw, organic and handmade- everything good chocolate should be. This is one of those things I bring back from Australia with me on visits, or have friends bring when they come stay (alas, it never lasts long!)
- Another gourmet chocolate brand which is available from specialty shops here is Alter Eco. They have lots of delicious flavours and combinations that are super tasty. I've tried Dark Blackout and Dark Quinoa and really enjoyed them!
- When I can get my hands on Loving Earth chocolate I am a very happy lady. My fave flavor of this brand is Caramel– OMG it is soooo yum!
- A recent discovery is Concscious Organic Raw Chocolate which has to be purchased online from Indonesia. This product is all handmade and so divine. The essential orange flavour is simply morish.
- A local Indonesian brand that I should mention is Monggo, although these chocolates contain a lot of refined sugar and the darkest you can get is 58% cacao, so this is the least healthy of the brands I have listed here.
- I also love to make my own raw chocolate, which is much easier than you might imagine. I use Big Tree Farms cacao butter, coconut nectar and cacao powder, all melted together and put into moulds to set. You can add in nuts, superfoods such as maca, and even essential oils as flavor. Easy, delicious and cheaper than importing some of the brands from above. Contact me if you are in Jakarta and want to purchase any of these chocolatier ingredients from me!
So the crux of this post is to emphasise that yes, you CAN have your chocolate and your health too. Just go for quality over quantity and make your chocolate indulgence a treat to savour. Yummo!
- What is your favourite kind of dark chocolate? Have you ever tried making your own? Please do share!


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The NerdFace Conan Exiles server is relaxed PvP server with a friendly and open community.
Direct connect to our server with 22.214.171.124:8277 or search for out server by typing in NerdFace.net and click to add the server to your favourites
NerdFace Conan Server on Battlemetrics
Vote for our server on TopConanServers.com by clicking the banner below
List of Rules (Rules are subject to change)
- No glitching, hacking or cheating
- No raiding between 1am - 7am (weekdays) 2am - 7am (weekends)
- Do not destroy stairs to your base to stop raiding
- Stairs to your buildings must be the same tier as the walls/doorways they are connected to. To make raiding possible.
- No building in spots that cut off major path ways, blocking off large areas of the map off to others
- Combat logging is forbidden: Logging off while fighting is not allowed/permited
(If you are being harassed, notify an admin)
- No griefing* or constantly harassing other players
This is a relaxed PvP server, so while PvP is allowed and encouraged try not to go to far by griefing people.
*What we consider griefing:
- Destroying beds unnecessarily
- Repetedly raiding people lower level than you
- Destroying Dancers, Furniture and other items that you will not gain from
This is not a strict rule as PVP is part of the game, but we want to protect people's hard work being destroyed unnecessarily.
Siege weapons allowed. Try not to level some ones base with siege weapons though.
We want everyone here to have an awesome time and enjoy the many aspects of the game.
Server resets every morning at 7am


text:
Woods Hole Oceanographic Institution
Cruise Planning Synopsis
|view revisions
|R/V Knorr
Cruise Party
|Robert Pickart: Principal Investigator, Chief Scientist
Woods Hole Oceanographic Institution Clark 359B, MS#21 Woods Hole, Ma. USA 02543
+1 508 289 2858
Michael Spall: Principal Investigator
Woods Hole Oceanographic Institution Clark 311A, MS#21 Woods Hole, Ma. USA 02543
+1 508 289 3342
Departure: Aug 22, 2011
|Reykjavik, Iceland
Arrival: Sep 22, 2011
|Isafjorour, Iceland
Operations Area
|Northern Iceland extending east toward Faroe Islands up north to Jan Mayan Island
|Lat/Lon: 72° 0.0′ N / 2° 0.0′ W
|Depth Range: 200 / 2000
|Will the vessel be operating within 200 NM of a foreign country?
|Iceland and Greenland
|Are visas or special travel documents required?
Science Objectives
|This project investigates the sources of water feeding the Denmark Strait Overflow
Water. It is a collaborative field program between the Woods Hole Oceanographic
Institution (WHOI), the Marine Research Institute of Reykjavik (MRI), the University of
Bergen (UIB), and the Netherlands Institute for Sea Research (NIOZ). Our approach is to
deploy a year-long set of moorings from August 2011 to August 2012, and carry out a
shipboard hydrographic/velocity survey of the region during the mooring deployment and
recovery cruises. Moorings will be maintained upstream of the Denmark Strait sill in the
major components of the circulation, as well as in the overflow water at the sill itself (see
the attached figure showing the mooring locations). The main scientific objective of the
program is to quantify the different water mass components, transports, and pathways
feeding the overflow water, and to understand the dynamics of the warm-to-cold
conversion of water that forms the overflow.
Science Activities
|The primary activities on the 2011 cruise are as follows:
(i) Mooring Work (see the attached figure showing the mooring locations). We will
deploy 12 new moorings across the northern part of Denmark Strait along the Kogur Line
(Note: a PIES instrument will also be deployed along the line for IFM-Hamburg).
Additionally, we will turn-around 4 existing moorings, 1 near the Denmark Strait sill and
3 to the northeast at the Hornbanki Line.
(ii) CTD Survey (see the attached figure showing tentative CTD lines). We will carry-out
a CTD survey, on the order of 300 full-depth casts. Water sampling will be minimal (salt
samples only).
(iii) Velocity survey. We will use the vessel-mounted ADCPs extensively to survey the
water currents.
Additional Info
|Pre-cruise Planning Meeting: Visit WHOI
|Media personnel on board: Video, Writer, Teacher(s)
|We have two types of outreach. (1) A team of 4-5 people will be performing outreach for the general public and for school children in roughly 10 schools. We will have onboard 1-2 teachers, a writer, a photographer, and a videographer. (2) We will have a camera man from National Geographic TV onboard, filming for an episode in an upcoming show about the oceans.
| Station 1
Distance: null
Days: null
Latitude: 25° 14.0 N
Longitude: 68° 0.333 W
Supporting documentation:
|Notes: Note: After the mooring work is completed (approximately 10 days into the cruise) we
will drop off 7 members of the science party (including the mooring technicians) at a
coastal town in northern Iceland. This will likely be Siglufjordur (see the attached map of
Iceland). This requires use of the small boat (this has already been discussed with the
port office and the master).
|Funding Agency: NSF
|Grant or contract number: OCE-0959381
Scientific Instrumentation for R/V Knorr
Shipboard Equipment
|Bathymetry System 12 kHz
|ADCP 300 kHz
|Sippican XBT System (Mark 21)
|Bathymetry System 3.5 kHz
|ADCP 75 kHz
Shipboard Communication
|Basic Internet access via HiSeasNet
|Is there a need to transfer data to shore on a regular basis?
|Is there an expectation to use Skype or any other real-time video conference program?
CTD/Water Sampling
|Wet Labs ECO-AFL fluorometer
|Seapoint STM turbidity sensor
|SBE43 oxygen sensor
|911+ Rosette 24-position, 10-liter bottle Rosette with dual T/C sensors
Critical CTD Sensors
Hydrographic Analysis Equipment
|Salt Bottles (2 cases of 125 ml provided)
MET Sensors
|Barometric Pressure
|Air temperature
|Relative Humidity
|Wind speed and direction
|Short Wave Solar Radiation
|Storage Notes:
|Will you be using Long Base Line (LBL) navigation?
|How many nets?
|How many tansponders?
|Will you be using Doppler/GPS navigation?
|Navigation Notes: Standard navigation
|Trawl Winch with .680 Coax
|Mooring / TSE winch
|CTD Winch with .322" Electro-mechanical wire
|Winch Notes:
Will use the trawl winch if any mooring dragging operations are required.
TSE Mooring winch arranged by Rick Trask.
Wire use and application
|CTD Winch with .322" Electro-mechanical wire
|Trawl Winch with 9/16th trawl wire
|Wire Notes:
Standard Oceanographic Cables
|Science Van 1
|Type/size: rag-top van for mooring gear storage
Specialized Deck Equipment
|Mooring Deployment/Recovery Equipment Required: no
|Cruise Specific Science Winch Required: yes
|Type: TSE mooring winch
|Nets Required: no
Over the Side Equipment
Special Requirements
|Elecrical Power: no
|Equipment Handling: no
|Inter/intraship Communications: no
|Science Stowage: no
|Water: no
Additional Cruise Items/Activities
Hazardous Material
Radioactive Material
Additional Information
The vessel-mounted ADCP data are crucial to the experiment.
Checklist & Notes
|U.S. Customs Form:
|Diplomatic Clearance:
|Date Submitted:
|Jan 13, 2011
|Date Approved:
|Agent Information:
Master R/V KNORR
Attn: Scientist's Name - KN203-02
c/o WHOI
266 Woods Hole Rd.
Woods Hole, MA 02543
Contact: Chad Smith
Phone: (508) 289-3811
Fax: (508) 457-2185
Email: firstname.lastname@example.com
Master R/V KNORR
Attn: Scientist's Name - KN203-02
c/o TVG-Zimsen ehf
Korngardar 2
104 Reykjavik
Phone: 011 354 5600 700
Fax: 011 354 5600 780
Email: firstname.lastname@example.com
24 Hour Mobile Service: 011 354 856 0701
Primary Contact: Johann Bogason
Direct line: 011 354 856 0701
Email: firstname.lastname@example.com
Contact: Helgi Bjarnason
Direct liine: 011 354 856 0740
Email: email@example.com
NOTE: Please note that TVG-Zimsen and WHOI contacts should be notified of all shipments.
Note: Agent and WHOI contacts should be copied on all communications. It is requested that shipment information of any equipment be communicated to the Agent and WHOI contacts
|US 4455's needed before Departure WHOI August 9.
|Isotope Use Approval:
|Isotope Notes:
|SCUBA Diving:
|SSSG Tech:
|AUg 8 mobilization WHOI


text:
Vote 'Yes' on Actors' Strike, Urge Actors Who Haven't Worked in Years
Who could blame them? Picket lines are great for networking!
While George Clooney, Tom Hanks, Matt Damon, and other A-list SAG members have recently taken time away from hosting charity galas and shooting Ocean's Eleven sequels to warn their fellow actors of the dangers of calling a strike during an economic apocalypse, a growing, less-famous contingent is calling for solidarity among guild members. Alan Ruck, Mo Gaffney, Candace Cameron Bure, and Matthew Modine are among the boldish-faced names on sag.org's "Solidarity Signatures" page, which reads like a veritable who's who of former stars you completely forgot about. "We must arm our negotiating committee with the collective unity and strength of the Screen Actors Guild Members," they write, presumably while all together in the same room, because where else do they have to be? "I support the Screen Actors Guild National Board of Directors request for members to vote YES." And who could possibly blame them? Picket lines are great for networking!
No SAG Strike [Official site]
Solidarity Signatures [SAG]
SAG STRIKE AUTHORIZATION VOTE: "Yes" And "No" Sides Now Have Dueling Websites, Celeb Lists And Actor Videos [Deadline Hollywood Daily]


text:
January 23, 2014 16:15 ET
CALGARY, ALBERTA--(Marketwired - Jan. 23, 2014) - Enbridge Income Fund Holdings Inc. (TSX:ENF) (the "Company") and Enbridge Income Fund (the "Fund") will announce 2013 year-end financial and operating results on Tuesday, February 11, 2014 at 7:00 am Mountain Standard Time (9:00 am Eastern Standard Time).
For further information regarding the results please contact the Enbridge Income Fund Holdings Inc. Investor Relations department or view our website at www.enbridgeincomefund.com.
The Shares trade on the Toronto Stock Exchange under the symbol "ENF".
About Enbridge Income Fund Holdings Inc.
Enbridge Income Fund Holdings Inc. (the Company) is a publicly traded corporation. The Company, through its investment in Enbridge Income Fund (the Fund), holds high quality, low risk energy infrastructure assets. The Fund's assets include interests in more than 500 megawatts of renewable and alternative power generation capacity, a portfolio of liquids transportation and storage businesses and a 50 per cent interest in the Canadian segment of the Alliance Pipeline. Information about Enbridge Income Fund Holdings Inc. is available on the Company's website at www.enbridgeincomefund.com.
Enbridge Income Fund Holdings Inc.MediaGraham White(403) 508-6563 or Toll Free: (888) firstname.lastname@example.com Income Fund Holdings Inc.Investor RelationsTeri Majer(403) 508-3185 or Toll Free: (866) email@example.com
See all RSS Newsfeeds


text:
And while Oprah is, of course, one of the great celebrity brands of our time, the current buzz about her has little to do with her wide-ranging business interests; instead, people are talking about her because she's formally denied, in a new Barbara Walters interview, that she's gay ("I'm not a lesbian ... I'm not even kind of a lesbian"). Given the personal nature of her current (huge) buzz, we decided that it was a little weird to classify her as a brand in the context of this week's chart, alongside the likes of Walmart and AT&T. That said, we anticipate that as the launch date (Jan. 1) of her eponymous cable network draws closer, social-media buzz about her will grow even louder, but for different reasons -- and so we suspect that Oprah, the empire, as opposed to Oprah, the non-lesbian, will soon be making an appearance on this chart in one form or another.
|The Story
|The Spin
|Key Source
|Latest Consumer Reports Survey Slams AT&T
|CNN Money: 'AT&T Is Now the Worst Carrier'
|Google Bookstore Debuts With Titles From 4,000 Publishers
|NYT: Google Opens E-Book Store in Challenge to Amazon
|Taxpayers Make a Tidy Profit on Citigroup Bailout
|CNBC: U.S. Exits Citigroup Stake, Earns $12 Billion Profit
|Commercial Spaceflight Company Makes History
|L.A. Times: SpaceX Dragon Capsule Lifts Off, Reaches Orbit
|Supremes to Hear Walmart Sex-Discrimination Case
|ABC News: Supreme Court to Review Massive Walmart Class-Action Case
|Hertz To Go Electric Starting Dec. 15
|New York Post: Hertz to Offer Electric Smart Cars for Rent
|Alleged Racism at Pizza Hut U.K. After Incident With Pro Soccer Players
|The Guardian: Pizza Hut Sparks Race Row After Asking Black Footballers to Pay Before Eating
ABOUT THIS CHART: OneRiot has created a proprietary Trending Topic Engine that surfaces stories trending right now across Twitter, Facebook, MySpace and Digg. Advertising Age parses brand-related data collected by OneRiot over a one-week period, assigns a "spin" to each story based on the nature of the prevailing coverage, and selects a "key source" from among the news outlets whose links are being shared most widely on the social web. For more about the OneRiot advertising network, which helps brands and marketers reach an influential audience on the realtime social web, click here.
Questions about this chart? Please e-mail Simon Dumenco (@simondumenco on Twitter).
For more stats, data, research and analytics about marketing, advertising and consumer trends, please visit the Ad Age Stat blog (@AdAgeStat on Twitter).


text:
Arsenal could make a shock move for Liverpool midfielder Joe Cole as Arsene Wenger lines up replacements for Cesc Fabregas and potentially Samir Nasri.
With Fabregas finally securing a move to Barcelona on Monday and Nasri looking set to follow him out the door as a move to Manchester City draws closer, the Gunners are on the lookout for a creative midfielder and according to Fanatix.com, Wenger has targeted Cole as a possible addition to his squad.
The former Chelsea and West Ham player has failed to reach the heights in Liverpool, struggling with loss of form and injury since moving north last summer on a free transfer.
The summer signings of Jordan Henderson, Charlie Adam and Stewart Downing has pushed Cole further down the Liverpool pecking order and Wenger is ready to offer him an escape.
The French manager is said to be a fan of Cole and tried to sign the player last summer before his move to Anfield and with Liverpool keen to offload Cole and his £90,000 a week wages a deal could be in the offing.
Speculation has seen Cole linked with moves to QPR and big-spending French club PSG however a return to London with Arsenal would interest the England midfielder.


text:
Make A Donation
Thank you for your interest in supporting Make A Mark initiatives. For more information about Make A Mark, please email .
Option 1: Write a CheckPlease make your checks or money orders payable to Make A Mark and send to:
Make A Mark
1145 Clark Street
Stevens Point, WI 54481
Phone: 1-877-372-2439
Option 2: Donate OnlineYou can make either a one-time donation or a recurring donation by choosing an option below. You will be taken to PayPal to securely complete the transaction.
100% of contributions raised by Make a Mark go towards these programs; all administrative expenses are underwritten by Berkshire Hathaway Travel Protection.


text:
Check out this lovely cake a lady from our church (Keri) made. Love the rustic look and colour...
Finally, loving getting into cross stitch again. This is a Star Wars one - so many awesome patterns available on Etsy now..
Good job baking to your daughter! Those cookies look great!
Star wars cross stitch patterns??? do I dare look? They will be in demand if my 5 yr old sees... Don't think I have time for that yet! lol
That wedding cake looks great! So simplistic after all the fancy ones you see, & I just love that about it. Looks like a beautiful setting for a wedding too! & your pics are great!
I love Northland too!!
And that cake - wow, possibly the prettiest wedding cake Ive ever seen! love it!


text:
Being successful in business today requires the development of leaders with a global mind set. All organisations are now operating in a competitive global marketplace, seeking to expand and develop their business beyond their national borders. Success in foreign markets requires knowledge of how to adapt to local cultures, languages and customers as well as an understanding of fundamental business theories and practices. Global leaders ultimately cultivate cultural intelligence by travelling to and working in different cultures, developing and applying both their business and language skills.
International Business with Mandarin Degree highlights
Stage 3 is spent abroad on a compulsory international work placement in a region of the globe where the language being studied is the dominant tongue.
Global Opportunities
- There is also the opportunity to study or work abroad, supported by schemes such as Erasmus and Study USA.
Industry Links
- Students have the opportunity to hear from industry professionals who regularly deliver guest lectures. The opportunity to network afterwards can give students valuable connections with senior professionals working in management.
Career Development
- Year 3 is spent abroad on a compulsory international work placement in a region of the globe where the language being studied is the dominant tongue. This is an integral part of the degree, providing students with the fluency and confidence to communicate and work effectively in an international business environment.
Internationally Renowned Experts
- Queen's is one of the 24 world-class universities that make up the Russell Group in the United Kingdom, and is the only Russell Group University in Northern Ireland.
- Many of our staff are leading international experts in their fields of research
- Students will experience a variety of teaching methods including brain-storming, individual and paired reflection, discussion exercises, presentation, case studies, group work and practical workshops. A range of e-learning experiences are also embedded in the degree programme through the use of, for example, interactive support materials, podcasts and web-based learning activities.
"Studying on the BSc. International Business with Spanish has definitely given me an edge in a highly competitive graduate job market. I have found many jobs in business now require mastering a second language. Not only are the modules really varied and interesting but the staff go above and beyond to ensure the students avail of the ample opportunities available within the course. From working in Barcelona for the British Chamber of Commerce on my placement year, to winning a British Council scholarship to work in Beijing - my degree has literally taken me around the world allowing me to gain excellent corporate experience. I would say this particular course and the Management School have been pivotal in my success both in and outside of the classroom".
Shona McCotter, BSc. International Business with Spanish (2017 graduate) UK Management Undergraduate of the Year 2016
Course content
Course Structure
|Course Content
This four-year BSc Honours degree in International Business with a Language is delivered by Queen's University Management School (Major) and the School of Arts, English and Languages (Minor). Currently five language options are offered: •Mandarin Chinese (Beginners) In each of years one, two and four, students complete a range of management related modules and a year-long language module. In year three, students undertake a minimum of nine months work placement in China.
|Stage 1
Students take a range of compulsory Management focused modules and a year-long language module. These modules set the context and foundation for the remainder of the degree. The focus will be on organisations, their structures, behaviours and the changing external environment within which they operate. Modules will cover accounting, economics, marketing principles and organisational behaviour.
|Stage 2
Students again take a year-long language module alongside their management modules which in this year cover issues such as international business, decision making through effective data analysis and interpretation and managing resources (eg operations and human).
|Stage 3
Placement Year
|Stage 4
The final year of the programme sees the students complete a year-long language module. Additionally, students will take compulsory modules in international strategy and applied international business, as well as optional modules in business ethics, innovation and entrepreneurship. An applied focus will be incorporated through start up projects, company tours and live case studies.
People teaching you
Dr Kieran Conroy
Programme Director for BSc International Business with a Language
Queen's Management School
Contact Teaching Times
|Large Group Teaching
6 (hours maximum)
hours of lectures
|Medium Group Teaching
4 (hours maximum)
hours of practical classes, workshops or seminars each week
|Personal Study
24 (hours maximum)
22–24 hours studying and revising in your own time each week, including some guided study using handouts, online activities, etc.
|Small Group Teaching/Personal Tutorial
2 (hours maximum)
hours of tutorials (or later, project supervision) each week
Learning and Teaching
Queen's Management School is one of the largest Schools in the University with more than 1800 full-time undergraduate students and 300 plus postgraduate students. The School has been delivering high quality programmes for more than 40 years and was one of the first schools in the UK to introduce undergraduate management education. Since then, QMS has been developing and enhancing its teaching portfolio for both local and international students and boasts students from more than 20 different nationalities.
In recent years, the School has benefited from significant investment resulting in many new academic appointments and state-of-the-art facilities including computer teaching labs with specilaised software and a Trading Room in Riddel Hall. In addition, the new McClay library houses an excellent selection of Management and related texts and there are extensive IT facilities throughout the campus.
At Queen's, we aim to deliver a high quality learning environment that embeds intellectual curiosity, innovation and best practice in learning, teaching and student support to enable student to achieve their full academic potential. In line with this, one of QMS' primary objectives is to deliver innovative learning and teaching programmes that provide students with the competences and skills to make a positive contribution to business, economic and civic life.
On the BSc International Business with Mandarin programme we achieve these goals by providing a range of learning environments which enable our students to engage with subject experts both academic staff and industry guest speakers, develop skills and attributes and perspectives that will equip them for life and work in a global society and make use of innovative technologies and a world-class library that enhances their development as independent, lifelong learners. Examples of the opportunities provided for learning on this degree programme are:
Adviser of Studies
Assigning each student an Adviser of Studies to assist with the choice of modules at the beginning of each academic year
Computer-Based Practicals
These provide students with the opportunity to develop technical skills and apply theoretical principles to real-life or practical contexts.
E-Learning technologies
Information associated with lectures and assignments is often communicated via a Virtual Learning Environment (VLE) called Queen's Online. A range of e-learning experiences are also embedded in the degree programme through the use of, for example, interactive support materials, podcasts and web-based learning activities.
A formalised induction for all undergraduate students. For Level 1 students, this includes several half-day sessions the week before the programme begins to allow students to familiarise themselves with the campus and the degree programme. During Level 1 there are a number of follow-up sessions throughout the year. Topics such as academic writing, referencing, plagiarism, communication skills, examination preparation and managing time effectively are all covered in these practical sessions.
These introduce foundation information about new topics as a starting point for further self-directed private study/reading. As the module progresses this information becomes more complex. Lectures, which are normally delivered in large groups to all year-group peers, also provide opportunities to ask questions and seek clarification on key issues as well as gain feedback and advice on assessments. Additional lectures are also delivered by employer representatives and staff from a number of organisations are involved in the delivery of International Business with Mandarin workshops and problem solving sessions. In addition to the academic content of the lectures and workshops, this enables employers to impart their valuable experience to QMS International Business with Mandarin students, introduces important local employers to our students and allows our Business students to meet and engage with potential future employers.
Peer Mentoring Scheme
A Peer Mentoring Scheme whereby students in second and third year of their degree programme volunteer to mentor Level 1 students. Developing the programme themselves, with support from academic staff in QMS, the mentors organise informal meetings, regular contact and a series of events ranging from ice-breaker type events to employer-led sessions with the Level 1 students.
Personal Development Planning
Personal Development Planning to encourage students to engage in independent learning.
Self-directed study
This is an essential part of life as a Queen's student when important private reading, engagement with e-learning resources, reflection on feedback to date and assignment research and preparation work is carried out.
A significant amount of teaching is carried out in small groups (typically 15-20 students). These sessions are designed to explore, in more depth, the information that has been presented in the lectures. This provides students with the opportunity to engage closely with academic staff who have specialist knowledge of the topic, to ask questions of them and to assess their own progress and understanding with the support of their peers. During these classes, students will be expected to present their work to academic staff and their peers.
Site Visits
To demonstrate the practical relevance of management theory site visits to local organisations are an integral feature of this programme.
Student Support Systems
QMS has an active and co-ordinated student support system to assist students in making the transition from school to university.
Work placements
The BSc International Business with Mandarin Chinese programme has a compulsory placement year with a business organisation in the host country. This begins after all Level 2 modules have been successfully completed. The dedicated Placement Office within the School facilitates students in sourcing and securing appropriate placements and provides appropriate support whilst the student is with the host organisation. The purpose of this compulsory placement year is to allow the students to practice and finely hone their language skills while gaining experience of working in a business role.
Details of assessments associated with this course are outlined below:
The way in which students are assessed will vary according to the learning objectives of each module. Details of how each module is assessed are shown in the Student Handbook which is provided to all students during their first year induction. International Business with Mandarin modules are typically assessed by a combination of continuous assessment and a final written unseen examination. Continuous assessment consists of: Class tests, computer generated practical experiments where students have to manipulate and interpret management-related data, case study research and analysis of a particular organisation and its international business issue, academic essays exploring a specific current issues such as international marketing, business ethics etc., small group project and presentations whereby groups of three/four students work on a particular business-related task and Language refinement exercises including report and essay writing and individual and group presentations in the target language
As students progress through their course at Queen's they will receive general and specific feedback about their work from a variety of sources including lecturers, module co-ordinators, placement supervisors, personal tutors, advisers of study and peers. University students are expected to engage with reflective practice and to use this approach to improve the quality of their work. Feedback may be provided in a variety of forms including:
Feedback provided via formal written comments and marks relating to work that you, as an individual or as part of a group, have submitted.
Face to face comment. This may include occasions when you make use of the lecturers' advertised "office hours" to help you to address a specific query.
Placement employer comments or references.
Online or emailed comment.
General comments or question and answer opportunities at the end of a lecture, seminar or tutorial.
Pre-submission advice regarding the standards you should aim for and common pitfalls to avoid. In some instances, this may be provided in the form of model answers or exemplars which you can review in your own time.
Feedback and outcomes from practical classes
Comment and guidance provided by staff from specialist support services such as, Careers, Employability and Skills or the Learning Development Service.
Once you have reviewed your feedback, you will be encouraged to identify and implement further improvements to the quality of your work.
Entry Requirements
Entrance requirements
A level requirements
ABB + evidence of linguistic ability + GCSE Mathematics grade B
Irish leaving certificate requirements
H3H3H3H3H3H3/H2H3H3H3H3 plus evidence of linguistic ability + if not offered at Higher Level then Ordinary Level grade O3 in Mathematics
Access/Foundation Course
Not normally considered as Access Courses would not satisfy language requirements.
Selection Criteria
In addition, to the entrance requirements above, it is essential that you read our guidance notes on 'How we choose our students' prior to submitting your UCAS application.
Applications are dealt with centrally by the Admissions and Access Service rather than by Queen's University Management School. Once your application has been processed by UCAS and forwarded to Queen's, an acknowledgement is normally sent within two weeks of its receipt at the University.
Selection is on the basis of the information provided on your UCAS form, which is considered by a member of administrative staff from the Admissions and Access Service and, if appropriate, the Selector from the School. Decisions are made on an ongoing basis and will be notified to you via UCAS.
Applicants for the BSc Honours in International Business with Mandarin must be able to satisfy the University's General Entrance Requirement. In addition all applicants must have GCSE Mathematics at grade B or above. Normally A-level Mandarin is required for the Mandarin option. However, Intermediate Mandarin is offered for those applicants who have AS-level grade B in Mandarin and who are not studying the language to A-level. A beginners Mandarin option is also available to applicants who have not studied the subject to any level but who show evidence of linguistic ability, normally GCSE grade B or higher in another language. Offers are normally made in terms of grades rather than UCAS Tariff points.
Demand for places differs from course to course and for International Business with a Modern Language, past performance at GCSE or AS level is taken into account when deciding whether or not to make conditional offers. For last year's entry, the threshold was a minimum of 4A and 2B grades at GCSE or average to ABB at AS-level. Please note that this changes from year to year depending on the demand for places. The final threshold is not usually determined until late in the admissions cycle, so there may be a delay in processing applicants who do not meet the initial requirements. Where applicants do not cash-in AS-level examinations results at the end of year 13 (Year 12 England and Wales), it is helpful if the equivalent grades are given in the personal statement or academic reference, since this will speed up the decision-making process.
Offers are normally made on the basis of 3 A-levels. Two subjects at A-level plus two at AS would also be considered. The offer for repeat applicants is set in terms of 3 A-levels only and is one grade higher than that asked from first time applicants. Grades may be held from the previous year.
Applicants offering other qualifications, such as BTEC Extended Diplomas, Edexcel Higher National Certificates and Diplomas, the International Baccalaureate, Irish Leaving Certificate or an Access course, will also be considered.
The same GCSE profile is usually expected of those applicants taking a BTEC Extended Diploma qualification or a Higher National Certificate (HNC).
The current entrance requirements for applicants offering a BTEC Extended Diploma are successful completion of the BTEC Extended Diploma (180 credits at Level 3) with 120 credits at Distinction and 60 credits at Merit. For applicants offering a HNC, the current requirements are successful completion of the HNC with 2 Distinctions and remainder Merits.
In addition to the academic requirements above, the information provided in the personal statement section and the academic reference together with predicted grades are noted, but these are not the final deciding factors as to whether or not a conditional offer can be made. However, they may be reconsidered in a tie break situation in August.
A-level General Studies and A-level Critical Thinking will not normally be considered as part of a three A-level offer and, although they may be excluded where an applicant is taking 4 A-level subjects, the grade achieved could be taken into account if necessary in August/September.
If you are made an offer then you may be invited to an Open Day organised by Queen's University Management School, which is usually held in the second semester. This will allow you the opportunity to visit the University, to find out more about the degree programme of your choice, the facilities on offer together with a flavour of the
academic and social life at Queen's.
For information on international qualification equivalents, please check the specific information for your country.
English Language Requirements
An IELTS score of 6.5 with a minimum of 5.5 in each test component or an equivalent acceptable qualification, details of which are available at: http://go.qub.ac.uk/EnglishLanguageReqs
If you need to improve your English language skills before you enter this degree programme, INTO Queen's University Belfast offers a range of English language courses. These intensive and flexible courses are designed to improve your English ability for admission to this degree.
- Academic English: an intensive English language and study skills course for successful university study at degree level
- Pre-sessional English: a short intensive academic English course for students starting a degree programme at Queen's University Belfast and who need to improve their English.
INTO Queen's offers a range of academic and English language programmes to help prepare international students for undergraduate study at Queen's University. You will learn from experienced teachers in a dedicated international study centre on campus, and will have full access to the University's world-class facilities.
These programmes are designed for international students who do not meet the required academic and English language requirements for direct entry.
INTO - English Language Course(QSIS ELEMENT IS EMPTY)
Career Prospects
Those pursuing a career in International Business with a Language should enjoy working with people as they will have to generate information from a wide variety of sources as they attempt to improve the business (entering new global markets or developing new products or becoming more competitive internationally etc) or solve a specific management related issue. They should be effective communicators as they will be expected to engage with a range of stakeholders including senior management, consumers and consumer groups, government representatives and policy makers, as well as employees and peers. Further, graduates need to have an appreciation of the potential differences in national cultures and their impact on the business environment. Students interested in pursuing a career in International Business with a Language must be prepared to take on challenges and be able to adapt to a constantly changing and dynamic business environment. To assist this, core transferable skills acquired throughout the degree programme include the ability to learn independently, problem solve, understand management and related information and work productively as part of a team as well as developing competence in a second language.
A degree in International Business with a Language from Queen's offers a firm base securing an excellent graduate position or further academic study. Career options are extremely varied and the employment opportunities for our International Business with a Language graduates remain strong. The first cohort of graduates from this programme completed their studies in July 2012 and have secured a range of positions in local, national and multinational organisations. Students that have completed this course have developed careers in areas such as corporate finance, consulting, global brand management and risk investment in companies such as Google, Dom Perignon, KPMG, Deloitte, Citi and PwC.
Employment after the Course
Students from this programme have secured either graduate positions or have undertaken placements in advertising, human resources, recruitment, training and development, marketing, export marketing, new product development, market research, brand management, operations management, supply chain management, quality management, business development, accounting, finance, management consultancy.
Employment Links
Graduate employers include: M&S, Local Government including Councils, Health Trusts, College and Universities, Invest Northern Ireland, Bank of Ireland, PwC, Randox, Deloitte, BDO, Bombardier, Google, Microsoft, Unilever, Mercer.
Additional Awards Gained(QSIS ELEMENT IS EMPTY)
Prizes and Awards
This programme attracts prizes and awards from Randox Laboratories and the Foundation Scholarship.
Degree plus award for extra-curricular skills
In addition to your degree programme, at Queen's you can have the opportunity to gain wider life, academic and employability skills. For example, placements, voluntary work, clubs, societies, sports and lots more. So not only do you graduate with a degree recognised from a world leading university, you'll have practical national and international experience plus a wider exposure to life overall. We call this Degree Plus. It's what makes studying at Queen's University Belfast special.
Fees and Funding
Tuition Fees
The tuition fee rates for undergraduate students who first enrol at the University in the academic year 2019-20 have not been agreed. Tuition fees for 2019-20 will be based on 2018-19 levels, normally increased by inflation and these are set out below.
|Northern Ireland (NI)
|England, Scotland or Wales (GB)
|Other (non-UK) EU
Tuition fee rates are calculated based on a student's tuition fee status and generally increase annually by inflation. How tuition fees are determined is set out in the Student Finance Framework.
Additional course costs
All Students
Depending on the programme of study, there may be extra costs which are not covered by tuition fees, which students will need to consider when planning their studies.
Students can borrow books and access online learning resources from any Queen's library.
If students wish to purchase recommended texts, rather than borrow them from the University Library, prices per text can range from £30 to £100. A programme may have up to 6 modules per year, each with a recommended text.
Students should also budget between £30 to £75 per year for photocopying, memory sticks and printing charges.
Students undertaking a period of work placement or study abroad, as either a compulsory or optional part of their programme, should be aware that they will have to fund additional travel and living costs.
If a final year includes a major project or dissertation, there may be costs associated with transport, accommodation and/or materials. The amount will depend on the project chosen. There may also be additional costs for printing and binding.
Students may wish to consider purchasing an electronic device; costs will vary depending on the specification of the model chosen.
There are also additional charges for graduation ceremonies, examination resits and library fines.
International Business with Mandarin costs
Students undertake a placement in year 3 and are responsible for funding travel, accommodation and subsistence costs. These costs vary depending on the location and duration of the placement. Students should be aware that placement and internship modules do not normally involve payment or financial support from either Queen's or the placement/internship provider. Students who undertake optional study tours are expected to make a contribution, of approximately £150.
How do I fund my study?
There are different tuition fee and student financial support arrangements for students from Northern Ireland, those from England, Scotland and Wales (Great Britain), and those from the rest of the European Union.
Information on funding options and financial assistance for undergraduate students is available at http://www.qub.ac.uk/Study/Undergraduate/Fees-and-scholarships/.
Each year, we offer a range of scholarships and prizes for new students. Information on scholarships available.
International Scholarships
Information on scholarships for international students, is available at http://www.qub.ac.uk/International/International-students/International-scholarships/.
How and When to Apply
How to Apply
Application for admission to full-time undergraduate and sandwich courses at the University should normally be made through the Universities and Colleges Admissions Service (UCAS). Full information can be obtained from the UCAS website at: www.ucas.com/apply.
When to Apply
UCAS will start processing applications for entry in autumn 2019 from 1 September 2018.
Advisory closing date: 15 January 2019 (18:00).
Late applications are, in practice, accepted by UCAS throughout the remainder of the application cycle, but you should understand that they are considered by institutions at their discretion, and there can be no guarantee that they will be given the same full level of consideration as applications received by the advisory closing date.
Applicants are encouraged to apply as early as is consistent with having made a careful and considered choice of institutions and courses.
The Institution code for Queen's is QBELF and the institution code is Q75.
Further information on applying to study at Queen's is available at: http://www.qub.ac.uk/Study/Undergraduate/How-to-apply/
After an offer is made this will be notified to applicants through UCAS. Confirmation will be emailed by the Admissions and Access Service and this communication will also include Terms and Conditions (www.qub.ac.uk/Study/TermsandConditions) which applicants should read carefully in advance of replying to their offer(s) on UCAS Track.
Additional Information for International (non-EU) Students
- Applying through UCAS
Most students make their applications through UCAS (Universities and Colleges Admissions Service) for full-time undergraduate degree programmes at Queen's. The UCAS application deadline for international students is 30 June 2019.
- Applying direct
The Direct Entry Application form is to be used by international applicants who wish to apply directly, and only, to Queen's or who have been asked to provide information in advance of submitting a formal UCAS application. Find out more.
- Applying through agents and partners
The University's in-country representatives can assist you to submit a UCAS application or a direct application. Please consult the Agent List to find an agent in your country who will help you with your application to Queen's University.
Register your interest
Course location
185 Stranmillis Road
Open Days and Tours
Visit our beautiful campus.
Our Undergraduate Open Days will take place from 6 - 8 September 2018, or book a campus tour.
Life at Queen's
9th in the UK for student experience
Times Higher Education, 2017
Some of the most affordable, purpose-built student accommodation in the city.


text: Find this wine Find this wine Diseno Malbec 2010 2010 bought at Spec's a year ago. Great body and fruity character. Pin It Tweet 5 years ago by Sakathome More posts Diseno Malbec 3 years ago by Moebow Diseno Malbec Eatery A Josh - 6 Mallory - 7.5 3 years ago by 4803168 Diseno Malbec 2012 Carefree Bistro 3 years ago by Amber B. Diseno Old Vine Malbec 2012 Love this. Goes with everything. Wonderful flavor, great balance . Under $15. A regular wine for us. 3 years ago by Wine-ot Diseno Malbec 2012 Eh... Do not repeat 4 years ago by Etfillman


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Wrote a couple of political stories for the 2014 midterm elections. In the first, for High Country News, I predicted the demise of Don Young, the obstreperous Alaskan congressman whose multitudinous offenses include obliquely alluding to having murdered a man for touching him. In the other, I forecast a victory for Gary Peters, an outspoken pr0-environment candidate with the backing of Tom Steyer, in the Michigan U.S. Senate race.
Well, one outta two ain't bad.


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A videó Magyar nyelven nem érhető el. A videó English (US) nyelven érhető el.
How to set VM policies in DevTest Labs
You can set various VM policies in your lab to minimize waste and control costs. In this video, we will show you how to set the following policies: maximum number of allowed VMs per user and per lab, VM sizes available in your lab, and an auto-shutdown time to automatically shut down your lab VMs at a specific time.


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Shultzy's will be open its regular weekend hours (8-midnight Saturday and 8-10pm Sunday).
Given that this weekend is predicted to be hot and sunny, Shultzy's will have some refreshing drink specials this weekend to coincide with Street Fair.
- Sauza Gold Margaritas with Fresh Lime will be $3.99 all weekend.
- Amber Bock will be $2.99/pint all weekend.


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Now's the Time
Editor: The time is now for us to take our government back (both state and federal) from a government of the PACs, by the PACs and for the PACs and return it to one "of the people, by the people and for the people."
We are not in a position to do it with money, but we can do it with our votes.
One does not have to be a genius to realize who our elected officials represent, when 60 percent to 90 percent of the money they spend to win re-election, year after year, is supplied by the PACs or special-interest groups through their lobbyists. Now is the time for a change.


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Today's Pharmacy Podcast Show guest is Dr. Jeffrey Fudin. We're talking about the March 30th 2016 article from Pain News Network:
By Michael Schatman and Jeffrey Fudin, Guest Columnists
Recently, we (along with our colleague, Dr. Jacqueline Pratt Cleary) published an open access article in the Journal of Pain Research, entitled "The MEDD Myth: The Impact of Pseudoscience on Pain Research and Prescribing Guideline Development."
In this work, we address the issue of how governmental and managed care opioid guideline prescribing committees use the flawed concept of morphine-equivalent daily dose (MEDD or MME) to arbitrarily place limits on the amount of opioids that a clinician "should" prescribe to any patient with chronic pain -- as if all patients were identical.
The article cites excellent research that exposes the invalid concept of MEDD – and while guideline authors are fully aware of that lack of evidence, they are hypocritically fine with using MEDD as a device to thwart chronic opioid use. In the case of opioids for chronic non-cancer pain, there is at least some evidence. But for MEDD, there is no evidence.
Contact Info:
Dr. Jeffrey Fudin
Email: email@example.com
Twitter: @JeffreyFudin
LinkedIn: linkedin.com/in/jeffreyfudin


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Explore the most popular forest trails near Day Valley with hand-curated trail maps and driving directions as well as detailed reviews and photos from hikers, campers and nature lovers like you.
hiking7 months ago
The trail is not usable, the segment between Hihns Sulphur Spring Road and Aptos Creek Fire Road is on private property and there is a no trespass sign. As an alternative you can take Buzzard Lagoon Road, start from where it crosses Highland Way and from there you can access Aptos Creek Fire Road.
Monday, August 29, 2016


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Our hearts know that a more beautiful world is possible[1] – a world wherein humankind, as part of Earth's web of life, is in a benign and compassionate relationship with all other beings; a world in which we treat other-than-human animals humanely and with respect; a world in which all animals – including humans – are free to engage in our natural behaviours and to flourish according to the natures of each of our species.
The One Web of Life (OWL) Programme adopted by SAFCEI in October 2014 is not content just to wait for such a world to be brought into being. Compelled by the Golden Rule[2] to "treat all others as you'd like to be treated yourself", OWL aims to encourage people of faith to think consciously about their relationship with all the creatures with whom we share the Earth. While we do aspire to kindness and compassion we have generally reflected little on how the fundamental tenets of our various faiths might be calling us to relate with compassion to our fellow beings.
The OWL programme aims . . .
- To raise awareness and challenge people of faith to consider how our religious belief systems and forms of spirituality guide us in our relationships with and treatment of other beings such that heightened levels of individual awareness and mindfulness are visible;
- To encourage, facilitate and support people of faith to live in benign and compassionate relationships with other beings such that this is visible in our individual practices and behaviours;
- To mobilise people of faith, as individuals and as faith communities, in exercising our democratic rights to support compassionate and humane treatment of animals, as well as to oppose and bring to an end all cruel and inhumane treatment of animals, such that changes in corporate policies and practices as well as in Government policy and legislation (including the Constitutions of the countries of the SADC region) and regulations and enforcement, are made;
- To encourage organisations that share a concern for the welfare and protection of animals to work together in a spirit of mutual respect and cooperation.
Initially OWL will focus mainly on factory-farmed animals whose needs at this time are especially dire. With this in mind, three specific campaigns are envisaged focusing on factory-farmed pigs, chickens and cows respectively.
SAFCEI/ OWL also endorse and promote Humane Society International's Green Monday campaign (See website for more details)
SAFCEI has always been committed to upholding the principles of the Earth Charter. The principles of "Respect Earth and life in all its diversity", "Care for the community of life with understanding, compassion and love" and "Treat all living beings with respect and consideration" speak specifically about a more beautiful relationship with all life on Earth. Now the OWL programme will be able to actively promote SAFCEI's commitment to the interests, welfare, rights for and protection of other-than-human animals.
In this its foundational phase OWL is being staffed by volunteers with the enthusiastic support of SAFCEI staff. So far its work has been done mainly by the volunteer members of OWL's Programme Coordinating Group whose members are listed below. The next crucial step is to set up Task Teams comprising members of particular faith communities to work specifically with their fellow faithful.
While founded in faith and while there is so much that can be achieved simply by volunteers sharing their time (that is, sharing themselves), for OWL to fulfill its potential, funds will be needed – for materials, for getting people together and for contributing to SAFCEI's core operation on which all SAFCEI's programmes depend. In the longer term and ideally OWL, like SAFCEI's other programmes, will also need the assistance of paid programme staff.
To achieve its objectives OWL needs the following:
- Support for OWL's campaigns, active assistance with growing awareness in each faith community, and participation in the observance of World Day for Farmed Animals and World Animal Day on, respectively, 2 and 3 October 2015;
- More volunteers – not every major faith community in Southern African has a voice in OWL's Programme Coordinating Group yet and volunteers are also needed for the faith-specific Task Teams;
- Funding;
- Your prayers.
For more information and/or to become a supporter of OWL, email email@example.com
Volunteer members of the OWL Programme Coordinating Group:
Sonia de Villiers, Dr Elisa Galgut, Fozea Fryddie, Dr Les Mitchell, Frank Molteno, Ani Tsondru Sonam, Beulah Thumbadoo and Tozie Zokufa
OWL Resources
OWL Gospel for animals leaflet (Christian)
Faithful Eating for the Earth: Recipes for Green Monday
Laudato Si' and compassion towards animals
Limmud conference presentation on veganism: October 2017 (images in this presentation are not suitable for sensitive viewers)
[1] With thanks to Charles Eisenstein for this image taken from the title of his book The More Beautiful World Our Hearts Know is Possible (Berkeley: North Atlantic Books; 2013)
[2] "Always treat all others as you'd like to be treated yourself" or "Don't do to others what you would not like them to do to you".


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Slomowitz A DDS is located at 29 Church St, Paterson, NJ. This location is in the Downtown Paterson neighborhood. This business specializes in Dentistry.
Slomowitz A DDS can be found at Church St 29. The following is offered: Doctors & Clinics. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Paterson there are 96 other Doctors & Clinics. An overview can be found here.