text:
November 14, 2013 19:29 ET
VANCOUVER, BRITISH COLUMBIA--(Marketwired - Nov. 14, 2013) - South American Silver Corp. (TSX:SAC)(OTCQX:SOHAF) reports the release of its unaudited condensed interim consolidated financial statements for the three and nine months ended September 30, 2013 and the related management's discussion and analysis of financial position and results of operations ("MD&A"). All amounts in this news release are expressed in U.S. dollars, unless otherwise indicated.
As at September 30, 2013, the Company had a working capital of $12.7 million including cash and cash equivalents of $13.0 million. As at the date of this news release the Company also owns an 18.5% equity interest in High Desert Gold Corporation ("HDG") (TSX VENTURE:HDG)(OTCQX:HDGCF) which had a quoted value as at September 30, 2013 of $0.9 million.
South American Silver continues to advance before the Permanent Court of Arbitration its international arbitration proceedings against Bolivia for the expropriation of the Malku Khota project. An arbitral tribunal of three members is being empanelled by the parties. Two arbitrators have been appointed and the two appointed arbitrators have until November 29, 2013 to appoint a third arbitrator who will act as president of the tribunal. Once the tribunal is formed, it will set a provisional timetable for the arbitration itself. This will include a schedule for submission of a Statement of Claim, Statement of Defense and oral hearings at the court of arbitration. Unless there is a negotiated settlement of the dispute, it is expected that the arbitration can take up to 2-3 years from commencement of proceedings until rendering of a final award. Most of South American Silver's costs and expenses related to its international arbitration proceedings against Bolivia, including those to be incurred in connection to the enforcement of any arbitration award, are covered by a third party funder (the "Funder") on a non-recourse basis (See News Release 13-12 dated May 24, 2013).
On May 2, 2013 the Company completed its drilling program at Escalones copper-gold project in Chile, with a total of 9,070 metres of drilling completed. On August 12, 2013, the Company filed a NI 43-101 Technical Report that includes an updated resource estimate for Escalones (See News Releases 13-13 dated June 28, 2013 and 13-17 dated August 12, 2013) showing a significant increase in copper, molybdenum and gold resources as well as a category upgrade of approximately a third of the resource to Indicated from Inferred.
On October 21, 2013 the Company announced (see News Release NR 13-19 dated October 21, 2013) that it has entered into an arrangement agreement (the "Agreement") pursuant to which the Company will acquire all of the issued and outstanding shares of HDG that it does not already own in an all-share transaction by way of a plan of arrangement (the "Arrangement"). Under the Arrangement, immediately prior to the exchange of the outstanding securities of HDG for securities of the Company, each shareholder of the Company will exchange each of its South American Silver common shares for one South American Silver Class A Share and one South American Silver Class B Share. The Class A Shares (which will be redesignated as "Common Shares" as the last step in the Arrangement) will carry voting, dividend and liquidation rights similar to the Company's current common shares. The Class B Shares will carry redemption and retraction rights and rights on liquidation which entitle the holders collectively to 85% of the net cash, if any, (after deducting all costs, taxes and expenses and the Funder's portion thereof) received by the Company from an award or settlement in relation to the Company's wholly- owned subsidiary South American Silver Limited's arbitration proceeding against the Plurinational State of Bolivia for the expropriation of the Malku Khota project. The Class B Shares will be non-voting and non-participating in regards to dividends and on liquidation other than as described above. Post Arrangement, each South American Silver stock option and warrant that was outstanding at the time of the Arrangement will be exercisable to acquire one Class A Share and one Class B Share instead of a common share at the same exercise price. HDG shareholders will receive 0.275 of a South American Silver Class A Share for each HDG common share held and all outstanding HDG stock options and warrants will be adjusted accordingly.
The TSX has conditionally approved the Arrangement including the listing of the Class B Shares to be issued thereunder. Meetings of the Shareholders of HDG and the Company to consider the Arrangement are to be held on December 9, 2013 and materials in respect to such meeting have been mailed to Shareholders. Copies of the materials mailed to the Company's shareholders are available under its SEDAR profile at www.sedar.com and at its website at www.soamsilver.com and copies of the materials mailed to HDG's shareholders are available under its SEDAR profile at www.sedar.com and at its website at www.hdggold.com.
The immediate priorities of the Company for 2013 remain to (i) diligently manage and preserve the Company's cash resources; (ii) complete the acquisition of HDG; (iii) recover fair market value for the Malku Khota project by pursuing international arbitration proceedings against Bolivia at the same time remaining open to a negotiated settlement; and (iv) evaluate the potential of joint venturing future stages of Escalones.
Further details including copies of the unaudited financial statements and related MD&A can be found on SEDAR at www.sedar.com and on the Company's website at www.soamsilver.com.
About South American Silver Corp.
South American Silver Corp. is a growth focused mineral exploration company creating value through the exploration and development of the large scale Escalones copper-gold project in Chile, the pursuit of new opportunities, and the realization of value from the Malku Khota project in Bolivia. South American Silver Limited is a company incorporated in the Bermuda Islands, an overseas territory of the United Kingdom, which through its wholly owned Bahaman subsidiaries: Malku Khota Ltd, G.M. Campana Ltd. and Productora Limited., owns one hundred per cent of the outstanding shares of Compañía Minera Malku Khota S.A., a Bolivian company, holder of the Malku-Khota mining concessions until their nationalization by the Bolivian Government. The Company's approach to business combines the team's track record of discovery and advancement of large projects, key operational and process expertise, and a focus on community relations and sustainable development. Management has extensive experience in the global exploration and mining industry. The Company's shares are listed on the Toronto Stock Exchange under the symbol "SAC" and on the OTCQX as "SOHAF". Information related to South American Silver Corp. is available at www.soamsilver.com and on SEDAR at www.sedar.com.
Forward-looking statements
Forward-looking statements look into the future and provide an opinion as to the effect of certain events and trends on the business. Forward-looking statements may include words such as "will", "continues", "potential", "future", "expected", "post arrangement", "creating", "realization" and "pursuing" and similar expressions. This News Release contains forward-looking statements. These forward-looking statements are based on current expectations and various estimates, factors and assumptions and involve known and unknown risks, uncertainties and other factors.
Readers are cautioned not to place undue reliance on these statements as the Company's actual results, performance or achievements may differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements if known or unknown risks, uncertainties or other factors affect the Company's business, or if the Company's estimates or assumptions prove inaccurate. Therefore, the Company cannot provide any assurance that forward-looking statements will materialize.
Factors that could cause results or events to differ materially from current expectations expressed or implied by the forward-looking statements, include, but are not limited to, failure to obtain the requisite shareholder, court and stock exchange approvals for the Arrangement or other conditions of the Arrangement not being met or waived, including the continuance of the Company and HDG under British Columbia corporate law; the receipt by HDG of a competing or superior proposal for an alternative transaction; uncertainties associated with the arbitration proceeding against Bolivia, including the quantum of damages to be obtained and the realization or collection of the value of any award or settlement; and risks of the mineral exploration industry which may affect the advancement of the Escalones project, including possible variations in mineral resources or grade, metal prices, availability of sufficient financing to fund further required work in a timely manner and on acceptable terms, timely receipt of required permits, availability of equipment and qualified personnel, failure of equipment or processes to operate as anticipated, road access to the property, changes in project parameters as plans continue to be refined; and other risks more fully described in the Company's management information circular dated November 7, 2013 and Annual Information Form filed and publicly available on SEDAR at www.sedar.com. The assumptions made in developing the forward-looking statements include: receipt of all necessary approvals (including shareholder, court and stock exchange approvals) for the Arrangement and satisfaction or waiver of all conditions required by the Arrangement, including the continuance of the Company and HDG under British Columbia corporate law; the ability of the Company to realize value from its investments in Bolivia; the arbitration proceeding along a timeline consistent with other international arbitrations, the Funder honouring its contractual commitments, the accuracy of current resource estimates and the interpretation of drill, metallurgical testing and other exploration results; the timely receipt of required permits for Escalones; the availability of equipment and qualified personnel to advance the Escalones project; and the execution of the Company's existing plans and further exploration and development programs for Escalones, which may change due to changes in the views of the Company or if new information arises which makes it prudent to change such plans or programs.
Subject to applicable laws, the Company assumes no obligation to update or revise any forward-looking statement, whether as a result of new information, future events or any other reason. Unless otherwise indicated, forward-looking statements in this News Release describe the Company's expectations as of November 14, 2013.
South American Silver Corp.Phillip Brodie-HallPresident & CEO604.681.6926 or Toll Free: 1.855.681.6926South American Silver Corp.Richard DoranInvestor Relations303.584.0606www.soamsilver.com
See all RSS Newsfeeds


text:
Arcobalegno Cabinet
Arcobalegno is an interpretation of a modern cupboard using a graphic pattern of the 3-dimensional marquetry that characterizes the surface.
Made of oak wood, in single tint or with 4 different oak veneers creating color nuances.
Available with wooden top or natural Calacatta marble.
Double spaces with one shelf in bronzed glass each.
Optional set of internal drawers/ trays.
4 doors: 79"L x 20"D x 34"H
5 Doors: 98"L x 20"D x 34"H
Available in Oak wood with a single tint or 4 shades of veneer.
Top available in wood or Calacatta marble.
Cabinet available with decorated or plain wood side options.

subset: commoncrawl


text:
The wiring harness on a snow plow provides control and power to the components of the plow. The harness links the plow components to the controller located in the cab of the vehicle. The harness links the plow components to the vehicle's electrical system.Continue Reading
The wiring harness allows the vehicle's electrical system to power the snow plow headlights. Operators use the snow plow headlights in place of the vehicle headlights. The mechanisms that raise, lower and turn the plow blade use power obtained from the vehicle's electrical system. The wiring harness connects the two. The operator controls the plow using the handheld remote, which is connected to the plow via the wiring harness.Learn more about Tools


text:
Rock™ SMARTWATCH: Perfect Xmas Gift, First Stylish Qi & WiFi
Unlocking Technology-World's First Patented Qi Wireless Docking Station,Qi Android Battery,App Portal,Rockin 9,All Metal,Tracking Radar
Rock™ SMARTWATCH: Perfect Xmas Gift, First Stylish Qi & WiFi
Unlocking Technology-World's First Patented Qi Wireless Docking Station,Qi Android Battery,App Portal,Rockin 9,All Metal,Tracking Radar
Use this space to cheer the creator along, and talk to your fellow backers.
Have a question?
Vak Sambath Creator on
Hi Kickstarter Backers,
We appreciate kickstarter for allowing small companies to enter new markets with new ideas, that may not be popular with a small sector that does not like change.
The rock is taking a more innovative approach that some may find hard to understand since it is a new direction.
Thanks to the majority of kickstarter supporters innovation is possible
Great now you are talking… So now if you are listening, all we backers are asking for answers for which you don't need to share your LEGAL email address but just provide answers.
As a backer it's our right to ask questions and raise if any speculations we have.
As well this is the Right Forum to ask questions about product and project and not your Legal email.
Vak Sambath Creator on
Dear Atul
Hi Atul
A great deal of time and money has been spent to develop a high end app smartwatch that is more consumer friendly, as oppose the all hardware.
Please email us at firstname.lastname@example.com and we would be happy to address you personal oppions The comment section is not an appropriate platform to voice speculation, since there are many experts as pyntail,engineers and large companies involved.
Vak Sambath Creator on
We hope to accommodate everyone's concerns with a FAQ as of Monday, our staff is working very hard, and will providing more updates next week.
Vak Sambath Creator on
Dear Gupta
Since the patents our legal documents and proprietary, our patent attorneys will contact you to discuss you concerns.
Thank you for your update
GadgetFreak on
Still Fake people keep pledging for this so called KS project !!
GadgetFreak on
If KS is NOT going to BAN this shady project instead of so many reports, no one can trust KS anymore !!
#Vak - stop spamming, are you graduate or not? If you wanna give specs, fill this:
0. All the patent proofs
1. Display Resolution:
2. Processor:
4. Internal Memory:
5. Battery:
6. Android Version:
Its not gonna take more than 1 hour.
Vak Sambath Creator on
The Rock is a $300 high end app smartwatch with patented features for the mass market as oppose to a $300 hardware smartwatch with generic apps. We wanted to take a new direction in the smart watch market, that was more consumer friendly and provide real lifestyle solutions.
Vak Sambath Creator on
Most of our staff were still traveling back from the holidays over the last few days, below is the information requested :
The majority of rock R&D funds and time were not directed towards hardware, but innovative software apps, lifestyle technology and patents, costing almost $500,000.
The average costs for patents, software development for apps, and testing. That's the majority of our R&D.
We have several OEM private-label partners in China and the United States, but our patented technology is proprietary only to The Rock which cannot be obtained with any other smart watch in the market. We work with our partners to create a product provides us a platform for software development.
We are not a $300 high end smart watch with generic apps that goes 50 ft under water. We are actually a $300 smart watch with high end apps, patents and lifestyle features for the mass market with good functional hardware.
The hardware was carefully chosen by are engineers, below are the responses to the comments:
- CPU is a ARM as communicated in video.
- Operating system is Android, as communicated in video.
- Our manufacturing partners indicated that metal body will affect Wifi signal, but the rock metal unit has been designed to eliminate that problem.
- Our memory is 4 GB Rom and 4 GB Ram
- The Rock does not have 1080p HD.
- We are water resistant for the mass market, not water proof for specialty sports
- Battery is 300 - 400 mAH
If you would like more clarification of our features, hardware and patents, please send us your phone number, name and contact info to:
We'll have our patents and business counsel reply.
The Rock Team.
LiLo on
And.. Regarding update 6:
And.. Another BS update. Non real hardware info (ARM is an architecture, what kind of ARM processor?), 4GB RAM is as ridiculous as ever, battery capacity of 300-400mah is a joke (half the capacity of Pine or Gear), metal body which has no way of getting proper wifi/bluetooth signal (so your crappy Z3 manufacturer solved a problem no other electronics giant ever managed to solve? Aha). and greatest of all - You finally admityou developed no watch and have no clue about hardware - You just buy cheap crappy chinese watches and add some mystery apps to them (never really shown in this campaign). In other words - All you do in this campaigb is marketing, and shady marketing at that.
Amazed KS allows this project to stay here.
LiLo on
Regarding update 6:
processor?), 4GB RAM is as ridiculous as ever, battery capacity of 300-400mah is a joke (half the capacity of Pine or Gear), metal body which has no way of getting proper wifi/bluetooth signal (so your crappy Z3 manufacturer solved a problem no other electronics giant ever managed to solve? Aha). and greatest of all - You finally admityou developed no watch and have no clue about hardware - You just buy cheap crappy chinese watches and add some mystery apps to them (never really shown in this campaign). In other words - All you do in this campaigb is marketing, and shady marketing at that.
Amazed KS allows this project to stay here.
overlord14 on
Nicolas, ce projet est une arnaque, il vend juste une montre chinoise en faisant une grosse marge!
Nicolas Masson on
hy, will the rock be displayed in other languages: like french?
GadgetFreak on
You can spread the word at their official FB page as well:
GadgetFreak on
You can raise your Voice and comment on Facebook Page of KS as well..
Salvador Briggman on
Dear backers, we are attempting to encourage creator transparency and prevent "frauds" and "scams" on Kickstarter with this portion of our forum (not affiliated with the Kickstarter website). If you have anything to report or research to document, please add it here: http://www.kickstarterforum.org/fraud-watch-f13.html
Once we get enough responses on a topic, we then start contacting publications like Crowdfundinsider, Crowdfundbeat, and CrowdCrux (disclosure: my blog) to spread the word.
Alon Walter on
I'm very disappointed with KS at this point...
P.S. If anyone is thinking on getting the metal version, search the web for "Faraday cage". it explains why it will make the watch a dud...
Benedict Huang on
For those wanting to know what a GOOD KickStarter watch project looks like, take a look at the CST-01.
It's not a smart watch but nevertheless, every single detail is well documented and every update well thought out and the creators openly share technical details.
I'm glad I backed that project and even though the delivery date has slipped like most KS projects that are popular it has really pushed the standard for what KS projects should be.
overlord14 on
I have two answers.
1. No
2. No
Daniel Kalisperis on
I have two questions.
1. Are the apps comparable with apple iphone?
2. Is it water proof?
overlord14 on
Here are some of the lies that are STILL on this project homepage:
"1080p HD"= LIE (what a joke!)
"powered by Android 4.2"= LIE (4.0)
"We wanted to design and develop the best looking and smartest smartwatch on the market"= LIE, you didn't design anything
"a smartwatch that was designed from scratch"= LIE
"The Rock team has worked hard to develop the custom, non-generic, lifestyle apps"= LIE (3 lines below: the Rock apps were artistically engineered and designed by Pyntail)
"The best news is that The Rock Sports smartwatch unit can be shipped in time to get before Christmas!"= LIE
"No smartphone is required because your music is already on The Rock"= LIE (how are we supposed to listen?)
"We decided to build a durable and smarter smart watch"= LIE (you didn't build it)
"No one has ever done this on Kickstarter"= THIS ONE IS TRUE!
GadgetFreak on
I have posted about all this on KS facebook page as well..
GadgetFreak on
All, I backed out of this project hoping that by now it would have been closed or Vak would have come up with something but this is f***ing unbelievable.
I have reported multiple times to KS but no action, I just sent a mail to websites like Verge, CNET, etc..lets see.
I can see many backers are NEW, if they really genuine I would like you to take the right decision and quit this and Save your money !!
TO ALL OTHER BACKERS who reported this, could you please change your pledge level to 1 dollar please !!!
353 Backers & 39k+ Amount
Lets Bring It Down !!
Out of this 353 i know atleast 250guys are technical and can understand whats going on here !!
Lets show Vak his real position !!
PS: ohhh, somebody hacked my account, m NOT in front of my computer/tablet/mobile right now ;-)
overlord14 on
For me, this project is gonna change the way I see kickstarter, if they don't stop Vak, I'll never back a project again. I got scammed once and it was not KS fault as we only found out it was a scam when the project was funded. It was the same kind of thing as the guy sold a product built in china pretending it was his invention:
in the end, I was able to get my money back.
What is different this time is that project is not funded yet. KS has all the evidences and they should act to defend their reputation.
GadgetFreak on
It seems all NEW BACKERS only defending Vak so I am sure these are NOT real users, created by Vak and team only !!
overlord14 on
backers beware, this is what you're buying when you back this project:
Dianne Barrymore on
I'm very excited about this product! This is the best smartwatch I've found for the money. I love the beautiful design as well. Thank you for developing an affordable watch that has all the functions and apps I need. Looking forward to sharing this with my friends and family!
Benedict Huang on
It's been a great run and thank you for assisting all the backers here in digging up information. All the best bro.
For those still defending the backers against this con man, please continue posting new information :)
Jonny Retro on
Jonny Retro on
yet again, marco, only backed THIS project, and has his location in the same general vicinity as the campaign.... try a little harder next time
Jonny Retro on
There's one born every minute.....
Benedict Huang on
This post looks interesting...
Remember to reduce your pledges to $1 or back out completely.
And do report this to KickStarter if you haven't already done so.
Asterix on
Guys I did some digging. In the full bio sectio there is someone called Bill Suman who heads design. This is his website.
Then there is Kamran Qamar, Michael Montenegro and Nick Farrell from pyntail
Then there is Dan Nguyen of Kyliptix
They all have address and contact information listed. May be one of these could be reached.
Well folks, you've got all he's going to tell you and it's still pretty vague.
The front page has changed again with some corrections [at least 1080 is gone] but I'm not going to bother to do a DIF on it.
Still a lot of unanswered questions though and if you want more you've apparently got to give up your privacy and drag in lawyers. Way to respect your backers Vak....
Make your choices folks, peace out.
Stephen MitchellSuperbackeron
And the pledge total keeps rising.....are you kidding me?
Jonny Retro on
Yet another deceptive update.... "We have partners in china" and "most funds were not directed towards the hardware" THEN JUST ADMIT ITS THE Z3
ThaWulf on
Yeaaah, I've been lucky and only one of mine has burned me. Out 50 bucks on a great band that has only ever released 2 songs and after 3 months of updates they just disappeared from online. But one small pledge out of 140 some aint bad.
btw @vexiss did you misspell acciona? not showing up in the search for me


text:
By Business Need
By Industry
By Role
Startup cosmetics brand Swoon needed a mobile order writing solution that would help them capture new leads at trade shows and seamlessly begin the order writing process after following up.
An Interview with Swoon
Brooklyn-based startup beauty company Swoon sells an awesome product that's part applicator, part spoon, allowing you to salvage every bit of gloss from a lip gloss tube. Learn more about their experience with trade shows, as well as how they use Handshake, even in cases where they aren't selling at shows!
HS - What do you sell and who do you sell to?
Swoon - Swoon is a prestige beauty manufacturer with the mission of "beauty made better." We are currently selling our first tool, a universal lip gloss applicator and scoop. We sell mainly to specialty beauty retailers (online and brick and mortar, e.g., Sephora).
HS - What is your yearly trade show schedule?
Swoon - We are a start up company, and since launching last July have attended two trade shows with plans to attend one additional this summer. Our goal is to attend two per year.
HS - What's your biggest sales challenge?
Swoon - Our biggest sales challenge is education. Our first tool defines a new category in the cosmetics tools markets, and its purpose is not readily apparent in its design. Therefore, at trade shows, we have to use several tactics to educate buyers, distributors and press. Our booth typically has video, static imagery and our team doing live demos.
HS - Tell us about a typical day at a trade show.
Swoon - Long hours in high heels. We typically arrive 30 minutes before the show opens, around 8 AM to set up our booth. We spend most of the day talking to buyers and the press, and doing lots of demos. We usually have arranged at least one formal meeting with buyers and several more with press.
HS - How does Handshake make your life easier at trade shows?
Swoon - We use Handshake to capture the contact information of the buyers and distributors we meet at shows. We haven't worked a show where we've sold, so we store the information and use it to facilitate follow up and send invoices. This make our job easier because it provides one central platform for housing customer information and for order processing.


text:
OzHoist | Furniture Hoist, Platform Lifting & Cable Hoisting
Brisbane, Gold Coast & Sunshine Coast
Needing a lounge, dining table, fridge, maybe some building materials moved up or down floors of a building in Brisbane, Gold Coast or the Sunshine Coast? Our truck-mounted lift and Cable Hoist service provides a lot of assistance to removerlists and builders and individuals doing their own removal, when access is a problem. As most buildings have small lifts and narrow stairways or even small door frames, we are called in quite often to solve these problems. Through a Sydney operator we are now able to provide a lifting and hoisting service in Sydney. Oz hoist external truck elevator is a unique service enabling bulky items and materials to be hoisted up safely and efficiently from the street to a window, balcony or roof area without the need for scaffolds or a large crane on site. Oz Hoist provides a 33 metre high Lifting Service for Brisbane, Gold Coast and the Sunshine Coast.


text:
Blueprint for Indiana Pacers to Upset Miami Heat in Eastern Conference FinalsMay 18, 2014
After all the graceless falls and roller-coaster turns, the Indiana Pacers—somehow and so often in spite of themselves—wound up right where we all first figured: squaring off against the hated Miami Heat in the Eastern Conference Finals.
To see the Pacers as walking wounded almost cheapens the weirdness of their journey: from genuine contenders-in-waiting to conference afterthoughts and back again in the course of three short months.
Watching Indiana climb and crawl its way back to relevance, you'd be forgiven for seeing in its playoff march a single, simple strategy: though scarred and often stagnant, survive, survive, survive.
They'll need a better blueprint than that—a borderline brilliant one, even—to beat the Heat.
Heeding Hibbert
If you're looking for a microcosm of Indiana's schizophrenic season, look no further than its 7'2" All-Star center, Roy Hibbert, whose sporadic play became the bane of the Pacers' plight and very nearly got the All-Star center benched during the postseason's first round.
Still, as Matt Dollinger notes in this recent Sports Illustrated roundtable, Hibbert's resurgence—while by no means a completed project—represents the touchstone of Indy's own roundball renaissance:
Fast-forward to this postseason which, needless to say, has been far less triumphant for Indiana's starting center. He had three goose eggs in four games. His confidence issues became a national topic of discussion. And he became a 7-foot-2 anchor dragging down the Pacers. But the All-Star big man started to regain his 2013 postseason form against the Wizards. In Indy's last four wins, Hibbert is averaging 17.5 points and 7.5 rebounds. If Hibbert can complete his revitalization in the East finals, the Pacers could prevail in this much-anticipated rematch. Home-court advantage and a game-changing center can go a long way.
In the Pacers' seven-game conference finals loss to the Heat last season, Hibbert averaged 22.1 points and 10.4 rebounds on 56 percent shooting.
In so doing, he proved Indy's strategic template—namely, situating the league's most fundamentally sound defensive center in the paint, where LeBron James, Dwyane Wade and Co. would have to contend with Hibbert's uncanny verticality—to be a potential power-shifter.
Over seven games, only two Pacers registered a positive plus-minus, according to NBA.com (subscription required): Hibbert (plus-1.0) and Lance Stephenson (plus-1.7). Concurrently, Hibbert was one of only three to chart a positive net rating (0.9), with George Hill (1.7) and Stephenson (2.4) being the other two.
But Hibbert's impact was about much more than mere defensive disruptiveness, as evidenced by Indiana logging its second-highest offensive rating (105.4) and team true-shooting percentage (62 percent) with Hibbert on the floor.
In that series, head coach Frank Vogel utilized only four lineups for more than 10 minutes. Two of them finished with overall net ratings of minus-25.6 and minus-38.1, respectively, while the other wound up a wash.
The only such lineup to register a positive net rating: Indy's starting five of Hill, Stephenson, Paul George, David West, and Hibbert (plus-12.6).
Indiana's starting five—with Hibbert manning the middle and mauling Miami's undersized frontcourt—has proven one of the league's most potent, productive starting units, and one proven capable of giving the Heat hell.
However, it's how the other Pacers play that could prove a much bigger bellwether.
Bench Pressing
According to HoopsStats.com, Indiana's bench is 28th in the league (regular season and playoffs combined) in overall scoring at 25.6 points per game, marking an improvement of just 1.5 points over its 2012-13 output.
The additions of Luis Scola, Chris Copeland, C.J. Watson and, later, Andrew Bynum were supposed to help bolster this cause. Instead, Indy has found itself precisely where it was last postseason: relying far too heavily on its run-ragged starting five.
The good news: The Pacers reserves outscored their Miami counterparts in three of the teams' four meetings.
Luckily, the Heat's backups haven't been world-beaters, either, finishing 20th in the NBA in scoring at 29.8 points per game.
For Indiana to make this a series, its bench must be able to weather whatever storms arise with Paul George and Co. riding the pine—playoff rest notwithstanding.
One possible strategy would be to feature Luis Scola in stretches, giving the versatile Argentine forward an opportunity to pump-fake and snake his way to easy buckets and, more importantly, put part of Miami's paper-thin front line in foul trouble.
That would give Indy the added advantage of being able to feature Hibbert more in the low post.
Ancillaries aside, what this series really comes down to is positional matchups, two of which could well dictate and determine the momentum of the series.
Giving Wade the Lance
It's safe to say Dwyane Wade has everything Lance Stephenson wants: All-Star status, a career studded with spectacular feats and superlative stylings, and a trio of rings to boot.
In terms of career trajectories, Wade and Stephenson occupy two very different coordinates.
Which is why it came as no surprise when, after being asked how he was looking to approach his prime-time matchup, Stephenson resorted to what could most politely be described as strategic psychological measures:
Understandable, given Stephenson's productive playoff deficit opposite Wade:
|Wade vs. Stephenson (career in playoffs)
And while Born Ready has been the picture of efficiency in his four games against the Heat this season, he and his cohorts have had an ever tougher time corralling D-Wade.
|Not fairing much better (2014 head-to-head)
It's going to take more than sour media swipes to render Wade an on-court afterthought. Indeed, for all his regular-season struggles, Wade's impact has long been more about getting right at the right time—something he's thus far accomplished.
Besides, it's obvious in whose favor the two's psychological battle has lately unfolded.
If Stephenson can successfully stymie Wade's lane-probing prowess while keeping his own historically fragile temper on a somewhat even keel, that leaves it to LeBron James (and to a slightly lesser extent, Chris Bosh) to carry Miami's scoring load—no small task, against a suddenly rejuvenated Indy D.
Sprinkle in a slew of momentum-swinging dunks, timely threes and highlight-reel feeds, and Stephenson stands to have these conference finals be the next in a growing semblance of signs pointing to a potential perennial All-Star in the making.
By George, Indy Wins
All told, George's performance in last year's conference finals—19.4 points, 6.0 rebounds and 5.1 assists on 48 percent shooting (including 44 percent from distance)—was nothing short of solid.
Unfortunately, when your focus falls on the best basketball player in the solar system, "solid" merely means the difference between four-game sweeps and seven-game heartbreaks.
Put bluntly: For the Pacers to finally exorcise their Big Three demons, George has to be if not the best player on the floor, then at least great enough for fans and NBA denizens to do a double-take.
As this NBA.com shot chart and attendant analysis from CBS Sports' Zach Harper illustrates, holding LBJ in check will require George do much more than merely match the stat sheet:
He made 20 shots just around the rim and did so at a 69-percent clip. That's remarkable against a team that possesses Roy Hibbert standing in front of the rim and David West clogging up the lane. The Pacers set their defense up to funnel guys to Hibbert, who is protecting the basket, and yet James has found a loophole with quick positioning and getting out and running.
George can counteract this in a couple of ways. First, he has to run with James. You can't let LeBron leak out at the first sign of a turnover or a long rebound. A big part of this will be anticipating what's next on offense and seeing the floor develop. And if you can hustle down the floor, you can start fighting for position.
In short, George—and the rest of the Pacers, for that matter—must make Miami work for each and every bucket, lest the Heat wreak havoc by way of their trademark transition terror.
Like Hibbert, George has borne witness to something of a humbling season: from early MVP hopeful to sordid struggles and, by way of intermittent postseason brilliance, back again.
More importantly for Indy's immediate prospects, George seems secure in an underrated aspect of the superstar psyche—a bit of denial, perhaps, but in the full service of maintaining the shortest memory possible:
Should the Pacers pull off the improbable and send the champs to an early country club tee time, it would certainly go down as one of the most unlikely about-faces in NBA postseason history.
And maybe that, silly though it may sound, is precisely the point: to join the battle emboldened by knowing that the enemy, like everyone else in the basketball universe, has no idea what to expect from you.
All cited NBA.com media stats are subscription-only. Stats courtesy of NBA.com and current as of May 17, unless otherwise noted.


text:
Bicentennial of the Constitution: Hearing Before the Subcommittee on the Constitution of the Committee on the Judiciary, United States Senate, Ninety-eighth Congress, First Session, on S. 118 ... March 1, 1983
U.S. Government Printing Office, 1983 - Constitutional history - 75 pages
From inside the book
5 pages matching Project 87 in this book
Where's the rest of this book?
Results 1-3 of 5
What people are saying - Write a review
We haven't found any reviews in the usual places.
Hatch Hon Orrin G a U S Senator from the State of Utah chairman
Thurmond Hon Strom a U S Senator from the State of South Carolina
Ford Hon Gerald R former President of the United States
5 other sections not shown
Other editions - View all
Common terms and phrases
activities Amendment American Bar Association American Revolution appointed appropriate Articles of Confederation Betty Southard Murphy Bicentennial Commission Bill of Rights branches of government Chairman Chief Justice commemorate the Bicentennial commemorative period Commission's Constitution's Constitutional literacy contributions coordinate Counsel Court Declaration of Independence Dembling document effort enactment encourage establish a commission Federal Bar Association Federal Government Federalist Papers former President Founding Fathers Framers hearing honor hope important Judge Markey leadership legal profession legislation liberty lives meaningful ment Morris National Council opportunity organizations Orrin G participate Phi Alpha Delta planning prepared statement President Ford Presidential Commission principles Project 87 public understanding ratification record rededication Republic role Senator DeConcini Senator Hatch Senator Leahy Senator Specter Senator Thurmond September 17 serve Statement of Senator STROM THURMOND Subcommittee Thank three branches tion United States Constitution United States Senate Washington


text:
I SEE thee better in the dark, I do not need a light. The love of thee a prism be Excelling violet. I see thee better for the years That hunch themselves between, The miner's lamp sufficient be To nullify the mine. And in the grave I see thee best— Its little panels be A-glow, all ruddy with the light I held so high for thee! What need of day to those whose dark Hath so surpassing sun, It seem it be continually At the meridian?
Cite this Page: Citation


text:
Search our database of handpicked sites
Looking for a great physics site? We've tracked down the very best and checked them for accuracy. Just fill out the fields below and we'll do the rest.
You searched for "cloud chamber"
We found 9 results on physics.org and 35 results in our database of sites
(of which 31 are Websites, 2 are Videos, and 2 are Experiments)
Search results on physics.org
Cloud In A Bottle - Physics to go
An experiment from our Physics To Go series about condensation. All you need is a plastic bottle with cap, water and a match.
Cloud in a Glass - Marvin and Milo
A Marvin and Milo activity about condensation. All you need is a pint glass, small bowl, hot water, ice and aerosol spray (eg deodorant).
Models for the charge buildup which leads to lightning discharges suggest a buildup of a strong negative charge layer near the bottom of the cloud and the formation of a positive ground shadow
Nobel Prize 1960 - Presentation Speech
In 1960 the Nobel Prize was awarded to Donald Glaser for designing the Bubble Chamber as a detector for use in nuclear physics. This is the presentation speech which gives an overview of the ...
How a Black Hole Really Works
The black hole in the centre of our universe is devouring a nearby gas cloud, giving clues to how a black hole works.


text:
I'm a runner. Most people who knew me pre-kids would concur.
A few half marathons and miscellaneous races followed by three kids in three years has me now back at square one – itching to run again.
So this year I have decided to run ONE MILE A DAY.
Yup. Sounds easy and hard all at the same time. One mile is easy to digest. It's also easy to get ahead or catch up on mileage. I can spare 7 minutes a day, right? (Just kidding… it's more like 10 or 11 minutes!)
The thing is, I'm going to do it.
It's not too hard to catch up if I fall behind, which I already have. It's day 11 as I'm 2.5 miles behind, but I know that doubling up or tripling up along the way will get easier and I WILL run at least 365 miles in 2017.
Do it with me!
I'm starting up (yet another, I know) Facebook group to get motivated and motivate others. It's called… wait for it… 365 in 2017! Join us. Bring your own fitness goals and share them with us. Let's swap healthy recipes. Walk the 365 if you have to. Just do it.
I use a running app to track miles while I run (scroll down for links). But writing it down makes it feel more real and attainable, somehow.
If running is not your thing, print this out anyway and track something else this year. 365 burpees. 365 glasses of wine. (Kidding!) 365 hugs. The sky is the limit.
Download a PDF:
Running Tracker for 365 in 2017
or click on the JPEGs below to print.
I've printed this on one sheet, front and back, so I can keep it handy and stay on track. Under + I'll write that day's mile(s), and then the last column is a RUNning total. This makes it easy to compare back with the day of the year, which should match the total.
Nike+ Run Club – I use this app during my runs. It integrates with Spotify, which is also fantastic. Most times I also run while listening to a podcast on Stitcher or a book on Audible.
Fit Bit Charge HR – This watch has been accompanying me for about a year and I love it. It also tracks my miles along with heart rate, calories burned, and steps. Oh, and it tracks elevation, but we live in south Texas so it's usually zero.
[Related: 5 Reasons Every Mom Should Run]
Happy 365! It's almost time to hit the pavement.
Comment below if you're finding a way to get motivated or if you plan on joining this fun year-long adventure.


text:
After going public one year ago, Pacific and Western Bank of Canada is doing business a little differently
When you sign on the dotted line for that major appliance loan, London's homegrown bank may be the one standing behind it.
And for those businesses that are, well, going out of business, they're likely holding on to that cash as well.
It was nearly one year ago Pacific and Western Bank of Canada went public. It's been a year of diversification for the local lender, said chief executive David Taylor.
While the business has a foundation in commercial lending, that sector has been dragged down by the sluggish building market.
Pacific and Western now is doing business a little differently.
"To use an agricultural analogy, I can see the sprouts pushing through the soil," Taylor said of his bank's new ventures. "It's heartening. We have spent a lot of time developing these things."
Those ventures include buying loans from unregulated lenders.
It now has about $280 million from those loans in the last six months, and that figure may double in the next six months, Taylor said.
"We're trying to diversify away from our dependance on the commercial lending sector in southern Ontario and this is a national business," he said. "We need more diversification."
That's largely because commercial lending is down about $50 million, although it's still worth about $700 million, he added.
"It's going to be an increasingly important part of our lending," Taylor said of buying loans from point-of-sale transactions.
"It's the next big wave. We will always be a big player in commercial lending but there are only so many buildings we can do in southern Ontario."
Another growing business for it is holding money from businesses that have gone into bankruptcy. When the business's assets are sold, before the money is paid to creditors, Pacific and Western holds it.
That has, in one year, become a $60-million chunk of business and will grow to $100 million, Taylor said.
"We have partnered with some of the largest trustees in bankruptcy in Canada, including BDO Dunwoody. This is across Canada," he said.
As for Pacific and Western's most recent financial report, revenue was flat as first-quarter total revenue this year was $7.27 million, compared to $7.20 million in the first quarter of 2013.
"We'd love to see that number increasing," Taylor said.
Total loans in the first quarter were also flat, $1.13 billion, compared to $1.15 billion last year.
But the figure he likes to talk about is net interest income, up to 1.95% the first quarter compared to 1.59% the same period last year.
"That means we earn more of every dollar we take in, on deposits," he said of the growing percentage total.
As for going public in August 2014, the biggest difference is that the bank has to spend more time communicating to shareholders.
"Having the bank listed means we had to spend more time on shareholder relations. We had to spend more time on the road telling people what the bank is all about and answering questions," Taylor said.


text:
**** Car & Trailer (B+E Licence) instructors needed ******
- Yorkshire
- London
Contact Numbers
Trailer Training / B+E Trailer Tests
07990 761177 / 0203 6519452 / 01535 601218
Follow us on Twitter / Facebook :-
See link at foot of the page
Chris, we just wanted to pass on our thanks for taking complete control of our trailer training needs. Everyone involved said how enjoyable their courses were as well as over-flowing with useful content. I know personally how much I have learnt and how well prepared I was when it came to taking the test. We will be passing on your details to all the associated drivers we have to make sure they are aware of the B+E Licence needs - Thank youSarah Connor - Jump Logistics
" I just wanted to say a big thanks to you and the trailer course content, as you know I passed first time with your help. I would highly recommend you to anyone I know wanting to do the B + E trailer entitlement, money well spend, I would rate this 10/10, Thanks again! Mr Robertshaw "Anthony Robertshaw - Yorkshire


text: Proudly displayed in the 1951 catalog, this unique implementation of the Mackinaw Coat in a Brown-Green-White plaid was a rarity. Produced for a limited run, and never featured in known print again, we are lucky enough to have one of these garments in our historic collection. 62 years later, this coat continues to impress.[gallery link="file" ids="2868,2867,2871,2865,2874,2878,2869,2866,2873"]


text:
Seattle Mariners 2019 schedule includes division, American League, and Interleague matchups.
|Chicago Cubs
|Cincinnati Reds
|Colorado Rockies
|Milwaukee Brewers
|Pittsburgh Pirates
|St. Louis Cardinals
|AL - West Division
|Houston Astros
|Los Angeles Angels
|Oakland Athletics
|Texas Rangers
|American League
|Baltimore Orioles
|Boston Red Sox
|Chicago White Sox
|Cleveland Indians
|Detroit Tigers
|Kansas City Royals
|Minnesota Twins
|New York Yankees
|Tampa Bay Rays
|Toronto Blue Jays


text:
Archive for March, 2010
REIA stunned that leveraging up in property is no longer the easy path to prosperityWritten by admin on March 30, 2010 – 9:05 pm
In a press release issued by the Real Estate Institute of Australia (REIA), REIA president, Mr David Airey said he was stunned to hear RBA Governor Glenn Stevens tell Channel 7 Sunrise viewers that "property was no longer the easy path to prosperity".
In substantiating his claims that property can indefinitely increase faster than wages without any economic consequences, he claimed there was "pent up" demand in the market and this bubble is fueled by "short supply" and not speculation.
He even indicated over leveraging and piling up on debt should have no bearing on interest rates, claiming "Mr Stevens has in the past said that property prices were a 'social issue' and have no bearing on monetary policy or interest rates." This may have been the case prior to a bubble of this size, but the level of debt Australian's are now carrying along with external shocks such as China's property market correcting, has the potential to plunge Australia into a long depression.
"When we look back on this period it will be seen as a normal upturn followed by a stabilisation period," Mr Airey concluded.
» REIA stunned by RBA chief's remarks about property – Real Estate Institute of Australia, 29th March 2010.
Posted in Australian Economy, Australian Housing | 3 Comments »
Chief banker warns against housing speculationWritten by admin on March 29, 2010 – 9:27 pm
Glenn Stevens, Governor of the RBA made his strongest indication the reserve bank is worried by Australia's surging property bubble in a prerecorded interview on Channel 7's Sunrise.
He said "I think it is a mistake to assume that a, you know, riskless, easy, guaranteed way to prosperity is just to be leveraged up into property", taking a direct swipe at property speculators.
"We can't assume rates will remain low".
This comes as the Commonwealth bank forecasts that interest rates will rise at four of the remaining nine board meetings this year.
» "This is where it all happens? Now, where does everyone sit?" – Peter Martin, 29th March 2010.
Posted in Australian Economy, Australian Housing | 4 Comments »
The debt is killing usWritten by admin on March 28, 2010 – 8:01 am
In his speech on Friday to the ACI2010 49th World Congress, Reserve Bank of Australia Governor, Glenn Stevens used the analogy that the global financial system had suffered a near death experience and is now beginning to recover gradually.
"The global financial system is gradually recovering its poise, after a near-death experience eighteen months ago. Perhaps like a patient that has suffered an acute cardiac event, there has been some lasting tissue damage, but quick intervention avoided something much worse. A period of emergency life-support has been, followed by a period of recuperation, with some ongoing medication, during which the patient has been able gradually to resume normal activities"
In the 1980's Australian Households were fit and slim. For every $100 of household disposable income, Mr Household had $40 or 40kg of debt.
Over the years, Mr Household started consuming without trying to service the debt, in other words, Mr Household was eating junk food, packing on the pounds, watching "The block" and "Hot Property" from the couch and not trying to work it off in a timely fashion.
At the start of 2000, Mr Household had packed on 90kg of debt ($90 for every $100 earned). During the noughties, the pounds started to pack on even faster, thanks in part to the housing bubble.
24th September 2004 – Reserve Bank warns on debt levels
By 2008, Mr Household was carrying around almost 160kg of debt. He was severely obese. Mr Household also had a hypertension disorder, interest rates were starting to rise at rapid pace.
Then suddenly in early 2008, as Stevens described, Mr Household suffered from an acute cardiac event. In a bid to make the blood or credit flow more liquid, the RBA administered blood pressure medicine by reducing interest rates while the Government started to administer stimulus (CPR).
In the months after this sudden event, Mr Household was in shock. His natural instinct was reduce his weight (debt). He worked some of those kilos off, but quickly got depressed. He was also having withdrawal symptoms from his old ways.
In a bid to further stimulate the market, the Government decided to start feeding Mr Household potato chips again. This came as the form of the First Home Owners Boost, an incentive for First Home Owners to take on more debt. First Home Owners had low blood pressure (interest rates), so it was never a better time to enjoy large doses of chips.
However now stress levels are rising again and with it, higher blood pressure. Mr household has done little to work of the debt, in fact his stacking on the pounds again. The next cardiac event may be just around the corner, and this time may require a triple bypass.
The recovery from the triple bypass will be long and painful. Mr Stevens uses the word poise – "The global financial system is gradually recovering its poise". The dictionary defines poise as a state of balance or equilibrium, as from equality or equal distribution of weight; equipoise. Globally, the financial system may be deleveraging, but with so much debt still in the system, it's far from a state of balance. Australia believes it has escaped the brunt of the GFC, and hence has not begun to recover it's poise.
Shedding the Kilos won't happen over night. It will take years of exercise and long hours on the treadmill before we get back to a balanced, sustainable economy.
» Recent Financial Developments – Address to ACI2010 49th World Congress – 26 March 2010.
Posted in Australian Economy, Australian Housing | 1 Comment »
Australia for saleWritten by admin on March 27, 2010 – 4:27 pm
With mortgage approvals in Australia falling of a cliff, and Real Estate agents reporting such a strong property market at a time when the market is flooded with near record levels of listings, one has to ask who is buying?
Mortgage approvals in Australia are down 21 percent from its peak in September 2009. The last month of data shows a 7.9 percent fall for January making it the biggest fall in mortgage approvals for a decade. Since then banks have been continuing to tighten loan value ratios (LVR) for both first home buyers and investors, suggesting bigger falls are to come. It is starting to become common to require a 20 percent deposit, which means for both investors and first home buyers, some sizable and solid savings are required before they can enter the market.
Residential property markets around the country are inundated with listings. The Sydney Morning Herald has reported Sydney has a record 2860 houses and units for auction this month, double the 1400 listings the same time last year. Despite this, Real Estate agents are continuing to report a shortage of homes for sale to create an atmosphere of utmost urgency – buy now or be priced out for ever they claim. The Melbourne Age even writes the "Red Hot Melbourne market starts to glow white!"
So if the number of listings is going through the roof, yet the number of loan approvals through the floor, what is underpinning the market at the moment? Cash savings you say – very funny, we spent all our savings years ago.
The answer may come from the easing of restrictions for foreigners to purchase properties in Australia. In 2008 during the GFC, the government needed to find ways to get more money to flow into Australia to underpin the "strength" of our economy. One such way was to remove some restrictions and make it easier for foreigners to purchase property without government or FIRB (Foreign Investment Review Board) approval. The government called it streamlining of administrative requirements.
While all statistics sourced from Real Estate agents and their lobby groups should be taken with a grain of salt, some RE agents are suggesting as much as 30 percent of all residential property sales at present are to foreigners. With a surge in listings, and loan approvals down 21 percent to the end of January 2010, there is no reason to doubt that number. If anything it could be a little light on, but remember Real Estate agents exaggerates the numbers, so potentially the market isn't glowing as white hot as some would want you to believe. Maybe the white is actually a yellowish-orange tinge at 3200K, not 6500K (degrees Kelvin, a measure of colour temperature).
As these changes to foreign investment were likely to become politically sensitive, no records are kept on the number of purchases made by foreigners. This makes understanding what exactly is happening in the market a difficult one.
On the back of such a strong housing market, the RBA has been cranking up the rates in a bid to slow the market down before it makes our current and unprecedented housing bubble a magnitude worse. But will interest rates have any effect to foreign investors using funds sourced outside of Australia? If the market is read wrong, the RBA could be penalising Australians, both the unproductive property market and productive businesses which underpin and create jobs and real value.
In a finance industry conference held in Sydney yesterday, RBA Governor Glenn Stevens said that if the purchase of property by foreigners who borrow abroad becomes "a large-scale phenomenon," then raising interest rates in Australia wouldn't "make any difference to them."
"[The] question of the role of foreign purchases is an important one and it's one we're giving some attention to", adding that hard facts about the trend is difficult to find. The RBA is closely watching foreign investment in our housing market and if it is contributing to the surge in house prices in recent quarters.
The government now has a big problem, both politically and financially. If they can't seize back control of the housing market, Australian citizens will be forced to accumulate more debt and spend more on housing expenses as a percentage of the household budget at the expense of discretionary spending further impacting local jobs and businesses. Not only will we not be able to afford basic housing, we will have no jobs.
"In an environment where the affordability of housing is very poor, perceptions that foreigners are fueling house prices could become an issue" for the government, said Shane Oliver, senior economist at AMP Capital Investors.
» Chinese buyers underpin housing prices – The Australian, 27th March 2010.
» Home owners blitz the auction market – The Sydney Morning Herald, 27th March 2010.
Posted in Australian Economy, Australian Housing, China, Foreign Investment Review Board | 7 Comments »
Residential Property Investors rakes up $8.6 billion in lossesWritten by admin on March 25, 2010 – 6:46 pm
Figures from the Australian Taxation Office shows Australian Residential Property Investors collectively raked up losses totaling $8.6 billion dollars, in a bid to avoid $4 billion in Tax.
The $8.6 billion dollar loss is a increase of 35 per cent over the previous year with Queensland and NSW attributing to 60 percent of the losses.
Dr Ken Henry, Secretary to the Treasury says he prefers a tax system that does not heavily favour debt funding like negative gearing. Ken Henry is Chair of the Australia's Future Tax System Review panel. The final report has been delivered to the Government and is due to be released in early 2010, although the government appears to be dragging its heals. This has lead to speculation that some of the recommendations will be politically sensitive. One such recommendation could be not to allow property losses to be applied to wages and salary.
» Negative gearing creates investor boom – The Adviser, Thursday 25th March 2010.
Posted in Australian Economy, Australian Housing, Negative Gearing | 1 Comment »
Builder's lobby group says we need to build more housesWritten by admin on March 19, 2010 – 11:23 pm
The Housing Industry Association (HIA) has this week released a report showing Australia's housing "shortage" will quadruple if we don't act now and increase the number of homes being constructed.
The group has called for another 466,000 homes to be built by 2020, with the "shortage" currently at 109,000 homes. The report shows Australia's population is likely to grow to 36 million by 2050, further straining affordability.
A severe housing shortage in Australia is said to put a floor under house prices, and used by the industry to dismiss any notion there is a housing bubble in Australia.
On the 9th February 2006 a similar article was ran in California :
The California Building Industry Association (CBIA) continues to express alarm over what it calls an ongoing housing crisis in Southern California.
Alan Nevin, the association's chief economist, projected in a 2006 CBIA Housing Forecast that only 185,000 to 205,000 building permits will be granted this year, far short of the 240,000 new homes needed each year.
Southern California has been experiencing a massive population boom in recent years and it's believed that 6 million new residents will be living in the region by 2020. The population increase, coupled with the housing shortage, has the CBIA worried that it will be increasingly difficult for first-time homebuyers to find a moderately priced unit.
"Los Angeles and Ventura counties are suffering from a housing crisis," said Holly Schroeder, chief executive officer of the Building Industry Association Greater Los Angeles Ventura Chapter. "While we have seen increases in permitting, it still consistently falls far below the needs of our region. We have to find a way to take care of our own and provide housing to those that need it and want it."
Yet, despite the shortage, this is what happened to Los Angeles' House prices after the article was published :
Even the U.K. had a shortage of houses prior to their housing crash :
Shortage of homes over next 20 years threatens deepening housing crisis
19 March 2002
Britain is heading for a property shortage of more than a million homes by 2022 unless the current rate of housebuilding is dramatically increased, according to reports from the Joseph Rowntree Foundation (JRF). The evidence, being presented at the Foundation's Centenary Housing Conference in London, reveals that the supply of housing is already falling behind demand faster than previously recognised.
» Housing shortage to quadruple: HIA – The Sydney Morning Herald, 19th March 2010.
» Construction industry says housing crisis has hit California – February 9, 2006.
» Shortage of homes over next 20 years threatens deepening housing crisis – March 19th, 2002.
Posted in United States Economy | 6 Comments »
Bubble concern : China's home prices "won't drop too much" – developerWritten by admin on March 18, 2010 – 10:06 pm
Official statistics released last Thursday showing sales of existing housing in Beijing falling 38 percent and units falling 64.2 percent in a month has prompted fears that the housing bubble in China may be losing momentum.
Henry Cheng, the Managing Director of New World Development Co, a Hong Kong property developer who develops property in mainland China, said "China's home prices won't drop too much, as the government can't allow prices to plunge because the real estate market is an important pillar of the economy" after Beijing reported falls in prices of 4.6 percent last month. "If too many people lose their money on real estate, it will be bad for the economy; it's the same rationale in Hong Kong."
The Chinese Government has been working to contain the bubble, increasing reserve requirement for banks this year after credit growth surged out of control in January. Today, it was reported policy makers has banned banks from lending to developers found to be landbanking or holding back sales to pump up prices.
But while the Central Government is trying to cool the market, State owned enterprises (SOEs) are bidding up prices. Record land prices in Beijing was broken twice on Monday by bids from SOEs.
Wong Siu Kong, chief executive of property developer Kerry Properties Ltd, said "The government's policies may create volatility in the market, but price drops would be limited this year as the real estate market fundamentals haven't changed."
» China's home prices 'won't drop too much' – China Daily, 18th March 2010.
» New real estate elephants – China Daily, 18th March 2010.
Posted in China | Comments Off on Bubble concern : China's home prices "won't drop too much" – developer
Plans crushed for many off the plan apartment investorsWritten by admin on March 18, 2010 – 9:35 pm
For many off the plan property investors, this year is turning into a nightmare. Many investors have brought apartments off the plan before their buildings and apartments have been built. They lay down a deposit and pay the remainder on settlement when the keys are handed over, sometimes as much as 2 to 3 years later.
The banks have started to restrict credit, especially to property investors, and for many of these off the plan investors, they are running out of time to secure a loan before settlement. Westpac has recently lowered LVRs to 80% for property investors, requiring them to commit a 20% deposit. Banks are also frowning on investors with portfolios exceeding $1 million dollars.
Posted in Australian Economy, Australian Housing | 1 Comment »
Beijing existing house prices fall, as sales volumes plungeWritten by admin on March 15, 2010 – 7:07 pm
Existing home sales in Beijing fell 38 per cent in February while existing unit sales fell 64.2 percent. The average price of existing homes in Beijing fell 4.6 percent.
Rentals were not immune either. Volume decreased 10 per cent in February resulting in a 7.9 percent decline in rents.
Officials said it was too early to say if the drop in existing sales resulted from measures to cool Beijing's overheated property market.
» Sales, prices drop on BJ 2nd-hand houses – China Daily, 12th March 2010.
Posted in China | 1 Comment »
Record listings causes auction clearance rates to plunge on Sydney's Northern BeachesWritten by admin on March 13, 2010 – 10:24 am
Sydney has recorded a record 2860 houses and units up for Auction this month, double the 1400 listings in March last year.
Under the weight of these extra listings, the clearance rate in the Northern Beaches has plunged from 60 per cent last month to just 30% so far this month. Similar falls have been seen in the lower North Shore where clearance rates have fallen from 83 per cent last month to 67 per cent this month, and in the south-west where the rate has fallen from 59 per cent to 38 per cent.
» Record number of homes for sale takes gloss off auction prices – Sydney Morning Herald, March 12th 2010.
Posted in Australian Economy, Australian Housing | 1 Comment »
Risk assessment sees CBA restrict Home Loans for InvestorsWritten by admin on March 10, 2010 – 10:47 pm
Following a "comprehensive" risk assessment of the Commonwealth Bank's $270 billion home mortgage book, the CBA has decided to restrict lending to potentially risky property investors by reducing the LVR to 80 per cent for investment home loans, effective from March 20th.
The changes will require residential property investors to bring a 20% deposit to the table before the CBA will lend. On a $500,000 loan, the investor will need to contribute a $100,000 deposit.
The changes follows a decision in January by Westpac to tighten credit on housing loans. The CBA has the largest market share of home loans in Australia.
» CBA tightens screws on lending – The Herald Sun, 9th March 2010.
Posted in Australian Economy, Australian Housing | 3 Comments »
Australian home loan approvals fall of a cliffWritten by admin on March 10, 2010 – 8:35 pm
The fall in the number of home loan approvals continue to accelerate with a 7.9 percent fall in January, the biggest fall for a decade. This follows a revised 5.1 per cent drop in December.
As we highlighted in last month's post, No 'pent up' demand for Mortgage Approvals, it appears house prices lag mortgage applications. Falls in 2003 and 2008 resulted in falls in house prices.
The next coming months will be crunch time for the Australian Housing Asset Bubble. While demand for Australians buying our own housing is falling, cashed up Chinese land bankers may be able to keep our market on life support. We are also getting close to a May budget and being an election year, no doubt the government will do everything in its control to prevent falls.
Many of the stimulus measures put in place in 2008 during the GFC are winding down, and as expected they could only delay the inevitable. If Australian households were spending beyond their means in 2008, governments throwing more spending money was never going to make the problem sustainable. In fact the generous First Home Buyer Grants only helped fuel the household debt bubble, helping us to break through the $1 trillion mark and throwing more households into mortgage stress at a time of record low interest rates.
» Home loans slump most in a decade – The Sydney Morning Herald, 10th March 2010.
Posted in Australian Economy, Australian Housing | 5 Comments »
NZ Housing Bubble said to be on verge of collapseWritten by admin on March 8, 2010 – 2:32 pm
New Zealand's over heated property market is set to fall according to a news report on stuff.co.nz and following a surge of listings as homeowners and investors run for the exit.
The Chief Executive of property website realestate.co.nz, Alistair Helm, reports there were 15,129 homes listed for sale in February, an increase of 47% over January, saying the surge in listings was "exceptional". This, coupled with fewer homes being sold is creating a huge inventory of properties.
According to Mr Helm, it would take 48 weeks to clear all the homes listed on realestate.co.nz. In December the was 34 weeks of inventory.
New Zealander's appetite for debt is drying up. In March 2007, household debt was rising by $2.1 billion a month. In the months of November 2009 to January 2010, household debt is accumulating by $400million a month.
» House prices set to slide – Stuff.co.nz, 7th March 2010.
Posted in New Zealand Housing | 5 Comments »


text:
The Giant Galapagos Tortoises are interesting to see in pictures, but its pretty hard to capture what they are really like – in the wild. The way they move and how their skin looks. But this picture does a pretty good job of showing the texture and detail on his head and neck.
There really isn't anything like seeing them in person. Have you seen them before?


text:
1st Place Winner ~ runningfree
2nd Place Winner ~ kailavmp
It was a very close race for 2nd Place. I would like to give an "Honorable Mention" to our 3rd Place entry ~ pschafe1.
Thank you all for participating! The entries were superb and we appreciate all of you who took time to vote for your favorites. Here are all the entries:
Please remember the January contest for "Windows" ~ we need entries~!


text:
Business Intelligence Center
You are here: Home : White Papers : Banking & Capital Markets : Abstract
6 New Flood Insurance Rules Lenders Need to Know
Sponsored By ICS Risk Advisors
Free registration is required
- Abstract:
On July 6, 2012, the President signed into law the Moving Ahead for Progress in the 21st Century Act, also known as "MAP-21." While this bill largely concerns transportation programs, the law also covers several areas concerning lending compliance including changes to the National Flood Insurance Program (NFIP). The flood insurance subtitle - known as the Biggert-Waters Flood Insurance Reform Act of 2012 - extends NFIP through September 30, 2017 and significantly changes the cost structure and lender obligations.
Read this white paper to learn about six major elements of the legislation affecting lenders including levels of flood insurance coverage, disclosure of the availability of flood insurance, and flood insurance premium escrow requirements.
- Sponsored by:
- Released: November 26, 2012
- Length: 6 pages
- Format: PDF (1057 kb)
- Email this abstract
- These white papers are not created by the CFO.com editorial staff. In order to view these papers, you must register with CFO.com and agree to share your contact information with related product/service companies.
Related White Papers in Banking & Capital Markets
Inside CFO.com
- Top Story
- Debt-Ceiling Distress
- Most Recent Capital Markets Articles
- Budget Busters
- Repos Come Under Fire
- Start Spreading the News


text:
Bringing together leading investigators, this comprehensive handbook is a one-stop reference for anyone planning or conducting research on personality. It provides up-to-date analyses of the rich array of methodological tools available today, giving particular attention to real-world theoretical and logistical challenges and how to overcome them. In chapters filled with detailed, practical examples, readers are shown step by step how to formulate a suitable research design, select and use high-quality measures, and manage the complexities of data analysis and interpretation. Coverage ranges from classic methods like self-report inventories and observational procedures to such recent innovations as neuroimaging and genetic analyses.The contrast mirrors the distinction in cognitive psychology between episodic and semantic memory. ... those imagined for the futureaand their arrangement into a broader narrative structure that provides what the narrator him- or herself ... The life story interview is a 2-hour procedure wherein an individual provides a narrative account of his or her lifeapast, ... They compared and contrasted the two groups of stories in an attempt to discern the main thematic differences between them.
|Handbook of Research Methods in Personality Psychology
|Richard W. Robins, R. Chris Fraley, Robert F. Krueger
|Guilford Press - 2009-12-09
You must register with us as either a Registered User before you can Download this Book. You'll be greeted by a simple sign-up page.
Once you have finished the sign-up process, you will be redirected to your download Book page.How it works:


text:
Every second that passes an "attack" on your DNA is occurring, either via internal means or environmental factors. If your system is strong, it can fend itself. It not, mutation leading to (typically) major disease(s) occurs.
There is a special group of plants known as Xanthophylls that have protective qualities against DNA damage. These substances have been researched for their abilities to prevent DNA damage and also to reduce the incidences of disease. In others words, they keep you strong and healthy.
Damage to DNA is what causes aging and age released disease. If you can prevent or at least reduce the occurrences of such events, health will find you. How can this be done? There are a number of ways.
At the top of the list is the inclusion of lutein and zeaxanthin. These substances are found in yellow, orange and deep green leafy vegetables. Studies have shown that individuals who have a consumption of large amounts of fruit and vegetables have lower rates of cancers and DNA-related diseases.
Supplementation with the aforementioned substances, along with Doc Wellness Supplement can also be very helpful.
David is a Nutritional and Alternative Medicine Expert, Educator and Entrepreneur. As an Acupuncture Physician and Master Herbalist, he has created the best selling anti aging formula, Doc Wellness Supplement and the online school - Dr. Orman's Wellness School.


text:
What is frank?
frank is more than just a gathering. It is the essential resource for movement builders and change makers – the people who use communications to drive social change. We are a community of movement builders and changemakers who use strategic communications to drive positive social, institutional and behavioral change. At our gathering and on our website, we provide fresh research, insights and news to inform and drive the field of public interest communications.
We offer our online community original content, including summaries of recent peer-reviewed research from multiple disciplines and insights from practitioners in the field.
Our community is made up of strategists, researchers, artists, journalists, students, activists and more. From corporate advocacy to the research lab, to the grassroots on the street activist, the frank community believes in using evidence-based strategies to drive social change. If you see yourself in our mission, then you are part of our tribe.
Why are we called "frank"?
"frank" not only refers to our direct and candid approach to our work in public interest communications, but it also pays homage to Frank Karel, the big thinker who invested so much in building the field for people who use strategic communications to drive social change.


text:
Here you will find an array of beautiful decorations that will transform any venue. From handmade bunting to recycled glass vases, these aren't throwaway – they will soak up the joy of the wedding, go home with you afterwards, and keep on shining.
Copyright © 2017 Wedding in a Teacup. All rights reserved. VAT Number: 144147821. Company Number: 7614941.


text:
Transforming Ideas into Startups
Welcome to ChimbaWeb.
We are a team of marketers, designers & engineers with a strong entrepreneurial spirit and help our customers rapidly build virtual startups that are profitable from day 1.
Since 1999, we have conceptualized, designed, developed and monetized more than 250 websites, some of them reaching over a million visitors monthly.
We are driven by our passion to shape the future of the web.
Product-to-Market Validation on Steroids
Here is how we can test your idea and get the first 3 paying customers
Lean Startup Approach
Do you have an idea for a website, app, startup or the next big thing on the Web?
We validate your idea, build up virtual teams and define the technical requirements to transform your idea into a real startup.
Rapid Development
Do you need a custom functionality or feature for your website?
We customize WordPress plugins, create custom plugins, code your design into WordPress themes, integrate external APIs or just fix urgent bugs on your project.
Growth Hacking
Do you want to reach a larger audience and increase your online revenue?
We connect you with ad networks, perform split-testing campaigns, create automated sales funnels, increase conversation rates and build digital products.
360° Accelerator Program for Web Investors
Bring your project, startup or domain to the next level within a week.
5 Web Professionals. 5 Days. 125 Man Hours. And only YOUR Project!
A dedicated Project Manager, a creative UI/UX Designer, an experienced PHP/MySQL Developer and a friendly Virtual Assistance will work with you together from Monday to Friday, 5 Hours per Day.
Made for Entrepreneurs, Web Investors and Domain Owners
It starts with a 60 Min Skype Interview with you. Hours later, you will have a detailed Technical Documentation and Design Mockups. And after a week, the project is completed. On time. Within budget. And 100% Overdelivered.
Best-Practises in Building Virtual Products & Businesses
We have worked on more than 100 projects so far and know exactly what clients like you need and want. We have implemented the SCRUM methodology in our work flow so you get a complete report about your new team every day.
Ready to Learn more about ChimbaWeb?
Just type in your email address to experience more about our established projects.
ChimbaWeb is managed by Hamed Farhadian, seasoned Web Investor and WordPress Guru.


text: I grew up in South Africa and sosaties are a staple part of any barbeque. This is my favourite way to do them. Cut the chicken up into bitesize chunks. Cut the green pepper into squares. Thread the chicken, green pepper and mushrooms onto wooden skewers, place in a non metalic dish. Combine the remaining ingredients and pour over the skewers as a marinade, cover with plastic wrap and leave in the fridge for several hours. Cook on the barbeque until the juices from the chicken run clear and the honey caramalises. Please note: this recipe has been created and uploaded by a member of the Tesco Real Food online community. Tesco does not test customer recipes so cannot accept responsibility for the content, validate the results or answer queries regarding them.


text: Dr. Francisco Piedrahita was found yesterday afternoon in the park's Barataria Preserve unit following an intensive four-day-long interagency search. He was spotted from a Jefferson Parish Sheriff's Department helicopter that was conducting a media overflight and a ground team was dispatched to his location. Piedrahita was found leaning against a tree approximately 300 yards off of a park trail – extremely dehydrated but coherent and in fairly good shape. – and was transported to a waiting ambulance by ATV. Family members, who had been holding vigil in the park, greeted him to the sounds of shouts of joy from over 100 watching rescuers. Piedrahita was then taken to a local hospital for treatment. The search began late in the day on Saturday, May 21st, and concluded at 3 p.m. on Wednesday, May 25th. Search teams contended with extremely hot and humid conditions and covered terrain dominated by dense, tropical vegetation. The Intermountain All Hazard IMT managed the incident for the National Park Service and was also part of a unified command established with the Jefferson Parish Sheriff's Department. The NPS search effort was supported by approximately 75 park staff from 12 parks in 12 states and by the Jefferson and St. Charles Parish Sheriff's Departments, Gulf Coast Search and Rescue, Louisiana Search and Rescue, the National Guard and Jefferson Parish Fire Dept and the Jean Lafitte Volunteer Fire Department.


text:
Investment Seminar -14th Mar (Singapore)
We are organizing an investment talk updating on BRIC.
While the European debt crisis may stir more volatility leading to more fear and uncertainty among the Investors, there may be some who are seeking for opportunities that can either help in capital preservation or looking out for profitable markets. An asset class not to be missed is the emerging market giants: BRIC. Hear an expert from HSBC Global Asset Management share with you the potential of BRIC and how to maximise this asset class.
NUSS Suntec Guild House
Suntec City Mall Level 5, 3 Temasek Boulevard
Timing: 630pm-930pm
Anyone interested?


text:
Cosmetic Surgery Dunsborough | Absolute Cosmetic Medicine
Wrinkle Relaxers, IPL, Laser Hair Removal, Dermal Fillers, Tattoo Removal
If you live in the Dunsborough area and have been considering cosmetic surgery or non-surgical medical treatments to slow the appearance of ageing or change the look of a body feature we can help you. Absolute Cosmetic are at the forefront of aesthetic enhancements, using the latest surgical and non-surgical techniques to ensure the best results for you.
Dr David Syed conducts scheduled visits to regional areas in WA including Dunsborough, see our clinic schedule below.
Absolute Cosmetic Medicine's partner clinic in Dunsborough is M Beauty at Suite 4/35 Dunn Bay Road, Dunsborough.
Our Dunsborough clinic will be convenient if you live near Dunsborough, Eagle Bay, Yallingup, Margaret River or Busselton. Book a consultation in Dunsborough today. Consultations with a cosmetic nurse are required before any treatment.
Please call us on (08) 9389 9099 or click here for an appointment.
- Saturday 24th February 2018
- Saturday 5th May 2018
- Saturday 28th July 2018
- Saturday 10th November 2018
We are one of the largest clinics in Australia and always endeavour to provide great value to all our clients.
Read more about the major treatments that we consult on in the Dunsborough clinic;
Some of our other cosmetic treatments are;
CoolSculpting, Lipo Dissolve, MonaLisa Touch, PicoSure Tattoo Removal, Pixel Fractional Laser Resurfacing, Platelet Rich Plasma, Sclerotherapy, Vaser Lipo 2.0, VASERsmooth, Chemical Peels, Clear Brilliant, Collagen Therapy, Cellulite Treatment, Erbium Laser Resurfacing, Eyelid Surgery, Face Lift, Fat Transfer, ReCell™, Skin Rolling, Male Breast Reduction, Pixel Fractional Laser Resurfacing, Vaser Lipo 2.0, Hyperhidrosis (Excessive Sweating) > Please view all our Cosmetic Treatments
Please call us on (08) 9389 9099 or click here for an appointment.
Absolute Cosmetic offers a full range of cosmetic treatments or referrals to the appropriate doctor. We have associated doctors who are also experts in their field.
The aim of this practice is to guide patients to the correct treatment and receive a natural improvement. Candidates must be realistic, and opting for these procedures for the right reason. It is part of our job to assess whether the patient is choosing the correct treatment for their concern; sometimes the condition is psychological, rather than physical, and we recommend these patients seek counselling treatment.
For all our other locations in WA, please view here
For more information or an appointment:
Absolute Cosmetic Surgery
- M Beauty, 4/35 Dunn Bay Road, Dunsborough


text:
Date: July 29, 2011
Contact: Stephen Smith—(800) 875-6467
Web: www.logos.com
Richard Gaffin to Edit Translation of Geerhardus Vos' Reformed Dogmatics
Bellingham, WA—July 29—Logos Bible Software announced today that it has commissioned Richard Gaffin as editor of the first-ever English translation of Geerhardus Vos' Reformed Dogmatics (Gereformeerde Dogmatiek).
Gaffin is an acclaimed Vos scholar. He has published numerous articles on Vos and served as editor of Redemptive History and Biblical Interpretation: The Shorter Writings of Geerhardus Vos, which contains Vos' addresses, articles, reviews and other works. Gaffin has taught at Westminster Theological Seminary since 1965, where he is currently Professor of Biblical and Systematic Theology, Emeritus.
"We are thrilled that Richard Gaffin will be editing Vos' Reformed Dogmatics," said Logos CEO Bob Pritchett. "His expertise on Vos will ensure a quality translation which will serve English-speaking scholars and pastors for years to come."
Gaffin will oversee a team of translators, who will begin their work this fall. The translation project will finish in early 2013, with publication scheduled for the summer of 2013.
Geerhardus Vos was an important theologian from the early twentieth century. He taught at both Princeton Theological Seminary, alongside J. Gresham Machen and B. B. Warfield, and Calvin Theological Seminary. He was an outspoken proponent of Reformed Biblical Theology. Cornelius Van Til wrote, "Vos was the greatest pedagogue I ever sat under," and John Murray said, "[Vos was] the most penetrating exegete it has been my privilege to know." Vos' Reformed Dogmatics synthesizes his work into a systematic theology.
Logos has taken a unique approach to translating Geerhardus Vos' Reformed Dogmatics. Rather than undertake the translation project on speculation, they first gauged interest by allowing their users to pre-order it. Only after enough users expressed interest did they move the project forward.
Logos is committed to making Vos' Reformed Dogmatics available to the widest audience possible. The translation is currently available at a discounted pre-order price, which will rise as the publication date approaches.
Learn more at http://www.logos.com/geerhardusvos.
About Logos Bible Software
Logos Bible Software is the leading publisher of multilingual Bible software on Mac, Windows and mobile platforms. Logos partners with more than 130 publishers to make nearly 14,000 electronic books available to customers in more than 180 countries. The company serves church, academic and lay markets, bringing the best in software innovation to Christians worldwide. http://www.logos.com


text:
Teddy Bears have a unique way of comforting us during trying times. As children, our faithful companion consoles us when we get scolded or simply cuddles with us when we need a hug. Not everyone has nostalgic memories of teddy bear hugs. For instance, I don't recall ever seeking solace from a teddy bear or any other stuffed animal for that matter. Granted, it was a looooooooooong time ago:)
...Beneath the trees, where nobody sees.
They'll hide and seek as long as they please.
Today's the day the teddy bears have their picnic...
So why celebrate Teddy Bear Picnic Day? I have my reason. Let's see, we already have the music. I didn't do half bad with that music mix, now did I? We certainly have the food. I haven't even begun to dig into that awesome picnic spread we had for the Picnic Game. How about some small talk?
Did you know, our 26th President, Theodore Roosevelt, was often called "Teddy?" If you do, you probably already know The History of the Teddy Bear too. Just in case, here's what the folks at the Library of Congress have to say about the "Teddy Bear Connection."
Theodore Roosevelt was often called Teddy, and after one particular hunting trip this nickname took on a new meaning. Roosevelt was an outdoorsman and a hunter, but he also loved animals. On one occasion, he was hunting with some of his aides and a group of reporters. For several days, the newspapers reported that the president had failed to shoot any game. Finally, Roosevelt's aides found a bear, which they cornered and presented to him as a trophy. However, Roosevelt felt compassion for the bear and refused to shoot it...
While there are more than enough goodies rounding out our picnic basket this year, it occurred to me that I never got around to "bringing" anything to the picnic. Suppose I make up for it today, on Teddy Bear Picnic Day instead?
Take a look at this recipe I found for Ginger Peachy Coffeecake in the Best Kids Cook Book published by the editors of Sunset Magazine. (see Children's Cookbook Reviews link below)
Sounds good, doesn't it? And, what about this article I found for a Teddy Bear Picnic in the Taste of Home Annual for 2001? I didn't want to take up too much room including the back story in the scan, so I'll just type it and include the recipe which is for a Sandwich Bear courtesy of Sue Schuller from Minnesota.
Choosing a theme for a baby shower was easy after my friend told me she was decorating her baby's room with teddy bears. I dreamed up a teddy bear picnic.
My table was set with a cheerful red checked gingham cloth. Toy stuffed bears surrounded a main course that was fun to look at--a Sandwich Bear. With it I served Bear's Picnic Veggie Dip, Beary Cute Cookies and Teddy Carrot Bars.
Door prizes in teddy bear gift bags were awarded to those who found a teddy bear sticker on the bottom of their picnic plates. The mother-to-be and the shower guests were full of compliments...and I thoroughly enjoyed preparing the festive dishes for the gathering. This theme picnic could be adapted for a child's birthday or to delight teddy bear lovers of any age!!!
You may have noticed, I haven't been myself for the past two weeks. I'm having a difficult time coming to terms with the sudden passing of my niece, Kathleen. It's simply unbearable. Kathleen had been battling substance abuse most of her young life. She was 30. She leaves behind devastated friends and family and two adorable little boys. I spent July 4th weekend down in New York trying to comfort my sister and her family and now, it is time for me to take solace in knowing, for Kathleen, the pain is gone.
Thankfully, my daughter Michele and the kids are coming for a long July visit. I'm sure they will "snap" me out of it. I'll be taking a break from blogging for the rest of the month but will try to visit your delicious blogs here and there. Thank you so much for your patience and understanding, Louise.
1. Taste of Home Teddy Bear Bread
2. How to Celebrate Teddy Bear Picnic Day
3. Teddy Bear Theme Party Ideas
4. Teddy Bear Sandwiches from Betty Crocker
5. Teddy Bear Chicken Burgers
6. Teddy Bear Picnic Mix
7. Children's Cookbook Reviews


text:
The extreme winds that occurred in southern Minnesota on August 3rd caused corn to lodge badly. Lodged plants will likely yield lower and make harvesting more difficult.
Will the corn straighten up?
Some stalk straightening will occur, but plants will not completely stand erect. Most of the straightening will occur within the next 2 to 4 days. After that, the plants will not grow upright anymore. Most of the straightening will occur near or above the ear position. The plant will be goose necked. And, ears on goose necked plants will be closer to the ground and higher-than-normal harvest losses may occur. Slower harvest speeds will help to reduce the harvest losses. Lodged plants (and usually in a twisted mass) also increase combine operator fatigue during harvest.
Effect on pollination
While most of the corn in the affected area is pollinated, some may not be, especially in low areas that have been wet and slow to shoot tassels. The amount of pollen is not likely to be a limiting factor, but some silks may not catch pollen because they are physically hidden below other silks when the plant and ear are leaning over. This may not reduce the number of kernels per ear substantially, but lower kernel number per ear will reduce the yield potential. The missing kernels will be on the lower side of the ear, facing the ground.
Effect on yield
Grain yields will be affected because of poor sunlight interception. When plants are leaning, leaves are 'stacked' on top of each other. The top layer of leaves gets good sunlight, but the leaves farther down are shaded and are less efficient in photosynthesis. With normally standing plants, more of the leaves intercept sunlight, or the solar energy penetrates to a lower level in the corn canopy and is captured by more leaves.
Often in field situations, wind lodging results in different degrees of plant leaning. When some of the plants are standing or lodged to a lesser degree than other plants, the leaf canopy is more 'rough' and light can penetrate to lower levels in the canopy. Some plants that are standing more erect will have more of their leaves at light saturation levels, and will increase yields because there is more solar energy to fill grain on those plants. This minimizes the effect on yield, but will not completely compensate for the lower yields of severely lodged plants.
A University of Wisconsin study simulated plant lodging at various growth stages and found that younger plants straightened more with less effect on yield than did plants that lodged at the pollination stage. In that study, plants lodged at the pollination stage yielded 13 to 31% lower. All plants were lodged in that study; the effect on yield should be less if there is differential lodging as compared with all plants lying over.
Lodging is a stress on the corn plant. With reduced photosynthesis, plants will move plant sugars to the ear from stalk storage earlier than normal. As a result, weak stalks occur and stalk rots will invade the lower stalk at an earlier calendar date. Weak stalks that are leaning because of wind lodging may break over sooner, which will also add to the preharvest loss.
Corn plants that are wind lodged will straighten some and will do so in the next few days. Grain yield will be reduced; the reduction will depend on the percentage of plants lodged. Harvest losses could be higher, but minimized with slower combine speeds. Harvesting may take longer and be more stressful (in addition to the personal stress caused by lower yields).


text:
What the world does to you as a woman is something to ponder. As a young girl, I was soft and sweet. It was what society expected of me, but it was also my sensitive personality. As time went by, I had to fight, even though I didn't always want to. It became necessary to survival. When I was sexually abused as a child, a part of my soul was silenced. When I went to college and learned to drive at the same time, after already working for many years, I had to stand on my own. When I left my cult religion, I had to leave everything I had ever known behind. When I became a mother, I had to face the world that considered me and my beautiful gift illegitimate. When I worked to raise my daughter, and balance the world on my shoulders, I also had to teach her how to survive this life as a woman. When I finally escaped every controlling and abusive situation, and there were many, I had to rebel against the system at hand. When I became an advocate, I had to use my own voice, even though people didn't understand it – so I often spoke alone, though knowing there were others out there who were hearing me and knew they weren't alone. When I have had to fight because society doesn't understand how to deal with traumatized, depressed, grieving survivors, I had to know I was enough even though I was told that I was broken. And now as a scarred, tested, wise woman, still not even old, I am this. I will not let anyone beat me into submission, fuck with my mind, tell me what I can't do, strip me of my dignity, steal my rights, or hush me with their ignorance. I am a woman who has been through the alleys and the valleys, and I may be tired and heartbroken, but I will not be owned. I will not be owned by you for any reason, especially not your desire to kill my spirit as a woman and mother, disabled person, or survivor of poverty and violence. I will not be owned.
I will not be owned


text:
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first OregonLive.com user to add photos or videos of Snowflakegifts.Com
Snowflakegifts.Com is located at 3501 NE 98th St, Vancouver, WA. This business specializes in Gifts.