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Legendary German custom bike builder Marcus Walz is back with a stunning take on the Yamaha XV950; 'El Ratón Asesino' sets a new standard for detail.
Walz transformed the rear end of the XV950 with a modified swing arm and a custom rear sub-frame. Mini LED rear lights integrate into the frame. A custom fuel tank was added along with a custom headlamp cowling and tail unit topped with a hand stitched leather seat.
The ride gets a full work over with the stock front-end suspension unit modified and lowered with prototype progressive springs whilst the rear gets fully adjustable Öhlins shocks. Hand-cast magnesium wheels by Marvic are fitted with custom adapters made in house. Custom rear sets change the ride dynamic giving a sportier sitting position.
The café racer look continues with LSL clip-on bars holding a quick throttle system, custom switchgear, LSL master cylinder and LSL adjustable clutch and brake levers all topped off with custom bar-ends. Sitting in the middle of the action is a Moto Gadget 'Tiny' tachometer.
The XV950's engine block gets custom cylinder-head plates , engine casings and a custom manifold feeding an SC-Project exhaust.
Modified front and rear brake calipers clamp on to Wave rotors front and rear for stopping power and the bike is finished with a stunning pale blue retro paint job, pin striping, and of course Yamaha speed blocks!
XJR1300 'CS-06 Dissident' by it roCkS!bikes
XV950 'Playa del Rey' by Matt Black Custom Designs
XJR1300 'Skullmonkee' by Wrenchmonkees
Yard Built XV950 'Boltage' by Benders
Yard Built SR400 'Stallion & Bronco' by KEDO
Yard Built XJR1300 'Rhapsody in Blue' by Keino
Yard Built SR400 'Lightning' by Deus
Yard Built SR400 'Homage' by Benders
Yard Built XV950 'Pure Sports' by Low Ride
Yard Built SR400 'GibbonSlap' by Wrenchmonkees
Yard Built XJR1300 'Project X' by Deus
Ultimele colectii de echipamente MX/Offroad
Fabricate din materiale high-tech la standarde de inalta clasa
You can take a piece of your passion with you everywhere...
Echipament de origine pentru TMAX-ul dumneavoastra
Cele mai bune uleiuri si produse de intretinere pentru Yamaha dumneavoastra
Prima ta Yamaha ….
Fun, Speed and Innovation
It's all about team spirit


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"It was already dismal," Darrick Hamilton, a professor at the
Given the dynamics of the housing recovery and the rebound in the stock market, the wealth gap might still be growing, experts said, further dimming the prospects for economic advancement for current and future generations of Americans from minority groups.
The Urban Institute study found that the racial wealth gap yawned during the recession, even as the income gap between white Americans and nonwhite Americans remained stable. As of 2010, white families, on average, earned about $2 for every $1 that black and Hispanic families earned, a ratio that has remained roughly constant for the last 30 years. But when it comes to wealth — as measured by assets, like cash savings, homes and
The dollar value of that gap has grown, as well. By the most recent data, the average white family had about $632,000 in wealth, versus $98,000 for black families and $110,000 for Hispanic families.Continue reading the main story
"The racial wealth gap is deeply rooted in our society," said Caroline Ratcliffe, one of the authors of the Urban Institute study. "It's here, it's not going away, and we need to care about it."
Many experts consider the wealth gap to be more pernicious than the income gap, as it perpetuates from generation to generation and has a powerful effect on economic security and mobility. Young black people are much less likely than young white people to receive a large sum from their parents or other relatives to pay for college, start a business or make a down payment on a home, for instance. That, in turn, makes their wealth-building prospects shakier as they move into adulthood.
Two major factors helped to widen this wealth gap in recent years. The first is that the housing downturn hit black and Hispanic households harder than it hit white households, in aggregate. Many young Hispanic families, for instance, bought homes as the housing bubble was inflating and reaching its peak, leaving them saddled with heavy debt burdens as house prices plunged in places like suburban
Black families also were hit disproportionately by the housing collapse, because heading into the recession housing constituted a higher proportion of their wealth than for white families, leaving them more exposed when the market crashed. Higher unemployment rates and lower incomes among blacks left them less able to keep paying their mortgages and more likely to lose their homes, experts said.
Discriminatory lending practices were also a factor. "We know that communities of color, their rate of subprime or predatory loans was twice what it is in the overall population," said Tom Shapiro, the director of the Institute on Assets and Social Policy at Brandeis University.
Black families also suffered bigger hits to their retirement savings, the Urban Institute found. On aggregate, the value of black families' retirement accounts shrank 35 percent between 2007 and 2010, while white families' accounts actually gained 9 percent over the same period. With lower earnings and higher unemployment rates leaving them with a thinner safety net to begin with, black families were more likely to take funds out of the market when it was depressed, leaving them out in the cold as the market recovered.
"That reservoir of what you can dig into for emergencies and contingencies is a lot shallower in communities of color," Professor Shapiro said. "That pushes black families to sling off assets, like
Something similar may be happening as the housing recovery takes hold. "Some people talk about it in terms of a land grab," said Professor Hamilton of the New School, as mainly white investors are buying foreclosed homes from disproportionately minority owners. "As the housing market starts to appreciate, some of those minority buyers might not be back."
All in all, Hispanic families lost 44 percent of their wealth between 2007 and 2010, the Urban Institute estimates, and black families lost 31 percent. White families, by comparison, lost 11 percent of their wealth. The economic turbulence worsened a gap that has persisted for as long as social scientists have measured it, and has its roots in institutional racism, they said, which, for instance, prevented black Americans from benefiting fully from the G.I. Bill back in the 1940s and 1950s.
The Urban Institute study looked at mean wealth figures, where a small number of high-net-worth families skews the averages upward. Median wealth figures — where half of households have more wealth and half less — produces lower numbers, but the trends are the same, the Urban Institute researchers said.
Even if blacks and Hispanics make progress in the years ahead as the economy improves, the persistence of the wealth gap has pushed many public policy scholars to recommend the adoption of more ambitious programs to help reduce worsening inequality.
The Urban Institute suggests reforming government policies that encourage savings but disproportionately benefit the already wealthy and families with high incomes, like the home mortgage interest deduction. Automatic savings vehicles also might help lower-income and lower-wealth families start saving, it said.
Professor Hamilton has proposed "baby bonds," granting savings accounts to infants, seeded with funds that allocate greater sums to families with less wealth. (Such accounts would be race-blind, Professor Hamilton emphasized.) Accountholders could tap that money as young adults, to pay for college or start a business. "That's really going to break the link of intergenerational poverty, and the intergenerational wealth gap," Professor Hamilton argued.
But in the absence of such far-reaching measures, scholars and advocates remain generally pessimistic that the wealth gap will narrow even as members of minority groups increase their share of the American work force.
"The growth in the wealth divide is going to be very hard to close," said Dedrick Muhammad, the senior director of the economic department at the

subset: commoncrawl


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11 Minutes on Twitter: '@realDonaldTrump does not exist'
This is the way the world ends: not with a bang but a deleted Twitter account.
At least, so it appeared for 11 minutes Thursday evening, when visitors to President Donald Trump's personal account, @realDonaldTrump, were informed that there was no such thing.
The error message on some devices was even more dire: '@realDonaldTrump does not exist.'
Amid a presidency that has seemed, at times, to be conducted primarily in 140-character pieces, this was a seismic event — and what was left of Twitter erupted. It was a raucous, modern-day town-square gathering of the sort not seen since… well, since five months ago, when Trump coined a new word in the middle of the night.
Donald Trump's Twitter account went dark for 11 minutes last night and some people just lost it. pic.twitter.com/9kKnYPzhGl
— AJ+ (@ajplus) November 3, 2017
It was just before 7 p.m. Thursday, and the internet was in an uproar. Time stopped. The sun rose in the west and set in the east. What, the watchers wondered, was going on? Had Twitter closed the president's account? Had a White House aide snatched the phone from Trump's tweeting hands? Had Robert Mueller chosen this moment to rifle through the president's direct messages? Had Trump himself — could it be? — decided he'd had enough of his favourite medium?
The answer, revealed three hours later, was something straight out of Office Space. After saying in an initial statement that the account had been 'inadvertently deactivated due to human error by a Twitter employee,' Twitter announced that a rogue customer support worker had done it on his or her last day at the company.
Many of Trump's supporters were incensed, with some saying the incident showed a disregard for free speech. His opponents, on the other hand, were gleeful. 'America: Hire this person,' former Rep. John Dingell, D-Mich., tweeted.
Even before Twitter confirmed that the deactivation had been deliberate, some were speculating about it.
In the tech world, the statement raised more questions than it answered. Twitter has never said how many employees have access to Trump's account, or described the safeguards it has in place for its highest-profile users. And the company is already under the microscope in Washington, where Congress is investigating how technology giants might have shaped the outcome of the 2016 presidential election.
The internet has nominated the Twitter employee who shut down Trump's account for a Nobel Peace Prize https://t.co/gUFEFn6Dqq
— Rogelio Garcia Lawyer (@LawyerRogelio) November 3, 2017
Trump was locked out for just 11 minutes, and then, just as suddenly, he was back. Those watching found themselves unscathed — though some could not quite shake a sense of dread.
Trump himself got back to business as if nothing had happened, tweeting at 8:05 p.m.: 'Great Tax Cut rollout today. The lobbyists are storming Capital Hill, but the Republicans will hold strong and do what is right for America!' He then fired off four more tweets, denouncing the Democratic National Committee and James Comey before inviting viewers to watch his interview with Laura Ingraham on Fox News.
And so, back in the offices and homes of the nation, the people of Twitter could only sit back and reflect.
For better or for worse, the world seemed predictable again, and one user made his prediction bold.
'Man,' Alex Zalben wrote, 'in like nine months there's gonna be a ton of Trump Twitter blackout babies.'


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Remember class 242?
It has another amazing acoustic feature I didn't mention the last time.
It's designed to work with 25 kV AC, now, what's the one thing this voltage, alternating, does? Arcs. It's not easy to disconnect two pieces of a circuit without an electric arc.
So there is actually a chamber inside that does that. Arc happens there, but it is contained.
It's also f...ng loud. So of course the driver had to do it when I was walking next to the locomotive.
@pony I can sometimes hear the arc at the main station here when they lower the pantographs for mainline trains to/from London (UK also uses 25 000V AC for all overhead railway power) but it never seemed that loud to me. We still use these old things. I am not sure how the noise/flash is suppressed (or even if it is at all).
@vfrmedia it may seem old but it's still a generation ahead of these, they are from early 80s and it's not a new design, just a simplified variant of an even one model.


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Ripple Farm
Ripple Farm
A print of a small farm with animals in the farmyard and fields with more animals and vegetables growing in rows. The print has lots of details like the small red tractor and a peacock showing its feathers.
Digitally printed on quality 300 gsm paper from fully sustainable sources in England.
The print is unframed but fits into a standard A3 picture frame. Would look great unframed too, simply attached to the wall with paper tape or a clip.


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Willow - 18k Rose Gold plated "Will you be my bridesmaid?" Earrings
- Brand: Bow & Willow
- Product Code: CARER1006
- Availability: In Stock
- $29.00
Available Options
Willow - 18k Rose Gold plated "Will you be my bridesmaid?" Earrings
Featuring beautiful and trendy 18k rose gold plating and AAA Cubic Zirconia stones these earrings are a beautiful way to "pop" the question to your bridesmaids. The Willow earrings are a classic and elegant shape that can be worn on many occasions.
The earrings are mounted on a premium soft cotton backing card that comes in the following phrases pressed in bronze foil:
Will you be my Bridesmaid?
Will you be my Maid of Honour?
Thank you for being my Bridesmaid
Thank you for being my Maid of Honour
When checking out, please select your phrase from the drop down menu and then specify how many Bridesmaid/Maid of honour cards you need in the comments (if applicable).
Comes packaged in a white box and white coloured bow. A pastel pink cotton canvas bag can be added for an extra $10.
Personalise with one of our gorgeous fonts to create a cute keepsake bag. Bag dimensions are 14.5cm (L) x 15.5cm (H).
We recommend pairing rose gold with warm colours such as pinks, peach, reds, ivory, and cream for a gorgeous colour combination.
Surprise your girls!
18k Rose Gold Plating
AAA Cubic Zirconia stones
Earring Diameter: 1.4cm x 1.4cm
Backing Card Size: 9cm x 5cm
Tags: willow - 18k rose gold plated "will you be my bridesmaid?" earrings


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Alas, I have forgotton to take down all the supplies in order to complete this post, so I will have to update it after the weekend so you all know what products were used. The only thing i remember of the top of my head is that the ink is colourbox - chestnut roan, the stamped image was inked using Staz On in Jet black.
Oooh! but wait! theres more! What is that sticking out of the pocket? could it be a book mark? Why! Yes it is!
So folks, that's it for today. I will be making two more cards this weekend but will only post about them on Monday. Hope you all enjoy yourselves until then!


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Welcome to www.a-taste-of-france.com property section.By continuing to use the site you agree to our cookies policy Privacy-policy
by Anne
Asparagus Salad.
How to make
Remove the binding round a bunch of asparagus.
Cut off an inch of the root end of each stalk
Scrape off the outside skin, wash them
Tie them in bunches containing six to eight each, and boil
If possible, with the heads standing just out of the water, as the rising steam will cook them sufficiently.
If covered with water the heads are cooked before the root ends.
When tender, plunge them into cold water, drain, arrange them on a side dish, pour over them a plain dressing, and serve.
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Healthy Homes Provides Hope on and off the Court
By Shannon Wise
On any given year, 1 in 5 Canadians will experience mental illness or addiction.
Thirty-two-year-old Glen Kurti, who started as a volunteer with The Salvation Army, happens to be that 1 in 5.
After years of highs and lows, and struggles with relationships, Kurti was recently diagnosed with Bipolar Disorder and credits the Healthy Homes Program for the support he's received during this difficult and challenging time.
"It's a no judgement, safe zone. People here have daily struggles. It's a healthy, team building experience and a lot of fun," said Kurti. "It's a luxury we have this program."
The goal of the Healthy Homes Program is to promote healthy living through educating participants in an interactive way so that they can take the information they have learned and apply it to everyday life.
"Don't be ashamed of what you're going through."
The eight week workshops include physical activities such as floor hockey, street soccer, and volleyball. Clients also learn healthy eating habits, participate in cooking classes, budgeting classes and even gardening.
"The hope is that people leave this program with more education around healthy lifestyle and basic life skills," said Val Beneteau, Healthy Homes Worker with Community and Family Services at the Centre of Hope in London.
Kurti already has the education part down. A graduate of the University of Waterloo, Kurti had a very successful engineering career and was also a coach in the community–two of his passions he hopes become a part of his life again soon.
Beneteau says most people participating in the program are looking for work, a second job, or in Kurti's case, unable to work for a period of time.
From volunteer to client, Kurti is still looked at as a leader, and now a part of the Healthy Homes Active for Life family.
"Don't be ashamed of what you're going through or what stage of life you're in," Kurti said. "It's an opportunity to connect and relate to similar struggles. They (participants) expect me to come–a five minute conversation makes a big difference."
For more information contact Community and Family Services:
281 Wellington Street
London, On
519 661 0343


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The "Unsung Hero Award"
The military recognizes valor and heroism on the battlefield and awards medals of various distinction. Sports heroes are recognized for their prowess on the playing field, are elected to Halls of Fame and signed to lucrative contracts. Rock stars become famous and wealthy.
But in every community there are unsung heroes whose valor, courage and selflessness goes unrecognized and unrewarded. These heroes will never get a medal, never get any fame, never get any money and will never ride in a parade held in their honor. Their acts of heroism may continue for years or for a lifetime. These are the heroes who have unselfishly given of themselves so that others could thrive, who are there as caregivers for those they love and who make it possible for loved ones to receive the care they need – often at home. Some heroes work to save the environment we all share and which some would like to destroy. Some work to protect other species. These unsung heroes didn't intend to be heroes; they are ordinary people of uncommon caring and courage. They are heroes because they accepted the responsibility fate placed upon them and/or they just wanted to "make a positive difference."
UHoP and PHA Wellness Foundation want to recognize these unsung heroes and wants to present to them "The Unsung Hero Award." Anyone can nominate a deserving person they know for the award. The award can be made in confidence and with, or without, public recognition.
*A nomination can be filed online, below, or a print nomination can be sent to PHA at:
If mailing your nomination to our office, please be sure to include ALL the information required below.
Questions and/or concerns should be emailed to: email@example.com
*Would you like to donate to our Unsung Hero Award Fund?
Click HERE to donate now.


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As I'm sure you've heard so many times before, "If you want to save money on groceries, make a meal plan." I can tell you for a fact, from my experience, that that is absolutely true. That's not the only reason to do it though. If you want to save time or appease a particularly hangry (hungry + angry, a word coined by my friend Keriann) hubby, meal planning is a lifesaver. When we first got married we were both working full-time (still are) and usually didn't make it home until well after 6:30. When we did get home it was to the fridge to hem and haw or to the take out menu drawer (okay, so it wasn't really a drawer but more like a loosely contained stack of menus and coupons on our credenza but I didn't want you to think I'm a total slob). That meant a lot of eating out or eating late (which was often preceded by snacking because we were so hungry). It also meant a lot of extra trips to the store to grab what we needed for dinner. When I went grocery shopping I felt like a child because I would basically just get whatever sounded good. I would vaguely plan a meal here and there in my mind when I was in the aisle at the store but of course I would always forget an ingredient or two. Not only was that expensive but it lead to us eating food that was truly healthy for us now matter how hard I tried. So to eat better, to save money, and to satisfy a hungry husband at the end of a long workday, I started menu planning.
I think every family has their top 5 or so recipes that are in constant rotation on their dinner menu, and we are no exception. So the first obstacle was to branch out and find more recipes/meals to throw into the mix. Luckily I have a couple really great cookbooks, my mom, and the Internet (thank you pinterest!) to pull from. On an average week, we usually only plan our dinners. Since it's just the two of us, we usually cook a family sized meal and can use the leftovers for lunches (or the husband gets free lunch from work, jealous). For breakfast, we're pretty classic and simple and rotate between oatmeal, cream of wheat, or eggs in one form or another. They are cheap, easy, and fast to prepare since neither of us are morning folk. So we use the meal planner to plan dinner and just add our breakfast and snacks to our grocery list. Occasionally I will find a great recipe for a snack or treat that I would like to make so I will add that to our plan.
Now on to the meal plan. Depending on what we're having, I usually plan for at the very least one leftovers night per week. Even with eating leftovers for lunch, we usually have enough to get us through a dinner or two as well. I plan 3 or 4 of the recipes we've tried and loved, or recipes I'm 90% positive we will love. Then I like to throw in the 2 or 3 new recipes to try. Some weeks we have planned dinners at family's houses or events that we know we're going to be eating out. Meal planning helps us so much in this case because we don't buy a bunch of groceries that won't get eaten because we know exactly how many meals we need to plan. There have been weeks (especially around holidays) where we've eaten somewhere other than home almost every night. It's even better when we get to bring home leftovers from said dinners, talk about a jackpot! Now before you think we're moochers, we do bring offerings to said dinners/meals that we will account for in our meal plan.
Once I've chosen the recipes for the week (and get the much needed approval from my oh so picky husband) it's on to the grocery list. I jot down all the ingredients and amounts for each recipe. I then go to my pantry/refrigerator/freezer to see what ingredients we do have and I check those (in the quantity I have) off the list so I don't buy more than I have to. Then I condense the list so that I have one line item for each grocery item and a quantity instead of a list with each grocery item listed 4 or 5 times. This is a huge time saver because I have one route I follow every time and I'm not bouncing around from aisle to aisle. This is important for me because when selecting menu items, I try and plan meals that call for the same ingredients (without the meals themselves being too similar). This also saves us money because I can buy bigger packages and use them for multiple meals. For example it's cheaper (by the pound) to buy the two pounds ground turkey package than a 1-pound package. I can then use the turkey for tacos and for shepherd's pie. This will also save you money if you watch ads closer than I do. If you plan multiple meals around produce and other items on sale, you save. I also shop mainly at Winco, so I like to write down my list in the order that I walk through the store (produce, dairy, boxed goods, canned goods, etc.). I would HIGHLY recommend this strategy especially if you are shopping with kiddos.
Now to stay on our budget (very important to us) I keep track of the price of each item I put in my cart. Yes, I even weigh and calculate the price of all my produce and bulk items. Another trick I use to stay on track is to put an asterisk next to each item that is optional for that week. That way, once I add up all of my groceries, if I've gone over (it happens) I know which items I can put away and still be in good shape for the week. So that's it, that's how we plan our meals, grocery shop, and stay on a budget. For more information about how we prep our meals after the grocery store, stay tuned.


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One of the most challenging—and rewarding—uses of a programming language is creating graphic applications and games. In this hour, you'll look at some techniques you can use for graphic pages—or to add excitement to any Web page.
Of course, JavaScript is a relatively simple language and this is a relatively simple book, so you won't be learning how to write your own version of Quake in JavaScript. Nevertheless, JavaScript can perform some useful features with graphics, and can even do simple animations.
In this hour, you'll learn how to use graphics and animation in JavaScript. You will cover the following topics:
How JavaScript uses objects to represent images


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17 September 2013
A quick hello and a few snapshots from my Instagram feed!
We are currently "camping" at our place while our kitchen and laundry are getting renovated. Thankfully we have running water, a stove/oven and a dishwasher, otherwise I may have pulled out most of my hair by now!
We've had a bit of a sickly winter with all of us at one point or another catching something that is going around - boy, am I hanging out for warmer weather.
: : Currently Enjoying...
Catching up with old friends
Pears - can't get enough of them at the moment!
Watching Team NZ do so well in the America's Cup
Macaroons and Swiss chocolate
Husband naps
The two rabbits that live in our backyard (ex-pet ones that no one can catch)
Looking forward to the school holidays in less than two weeks - holidays always bring back my crafty/baking/blogging mojo.
Posted by PaisleyJade at Tuesday, September 17, 2013 Labels: crafty, critters, crochet, family life, food, instagram, lists, New Zealand, random
7 comments:
Aaaargh renos... So not fun during but totally awesome after! I too am totally LOVING pears and the AC at the mo :)ReplyDelete
Hi there, just stopping by to say how delightful your blog is. Thanks so much for sharing. I have recently found your blog and am now following you, and will visit often. Please stop by my blog and perhaps you would like to follow me also. Have a wonderful day. Hugs, ChrisReplyDelete
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"Our only multi-activity, 7 day holiday in the French Alps, with flexible pricing depending on your chosen accommodation."
HighlightsEcrins National Park | Valgaudemar Valley | Activities on Durance River | Giant zip wires | Crowd free Alps | Choice of locally owned accommodation | Via Ferratas | Mountaineering skills | Mountain biking
Hello. If you'd like to chat about this holiday or need help finding one we're very happy to help. Rosy & team.01273 823 700 email@example.com
Departure information
This trip can be tailor made any time from May - October
Our top tip:
Step outside your comfort zone on this trip. You are in safe hands, and the Alps are for adventurers.
Trip type:
Tailor made. Great for families.
Activity level:
Tailor made, so up to you.
Choice of camping, self-catering, B&B or hotel.
Accommodation, activities, instructors, maps and itineraries.
Lots of local tips on restaurants, boulangeries and markets.
Tailor made so single rooms bookable.
Responsible tourism
Responsible tourism: Multi-activity holiday in the French Alps
EnvironmentWe take special care to choose activities that have a minimal impact on the environment and only use local guides and instructors to ensure the local economy is supported by our activity. Our list of activities only include those which have a minimum impact on the environment, such as walking, rafting, etc.
We respect and support local conservation / erosion projects by following guidelines issued by the Ecrins National Park and ensuring our clients are made aware of any specific guidelines that may affect them. E.g. carrying rubbish down from refuges / high mountain walks. All accommodation suppliers are vetted according to their professionalism and their approach to responsible tourism (using local produce, respect for the environment and promoting the culture of the region). Several of the gites have strong environmental criteria with regard to recycling and reducing their environmental impact. We are about to make a deal with Gite de France to use their eco certified gite suppliers. We dont promote motorised sports.
All our guides are fully trained in environmental sustainability as a part of their diplomas and they educate our clients about the mountain habitat during the activities. We dont print brochures and keep paper use to a minimum in the office preferring electronic distribution as our main means of communication with clients. We provide detailed information on how to behave within the park such as carrying out all litter, no free camping and adhering to the rules of the park.
Tree climbing is an example where you will get a unique insight into the local mountain flora and fauna. We also promote it because of its environmental ethos. Unlike high ropes adventure courses, where elaborate rope bridges and obstacles are fixed in the trees, tree climbing leaves no impact on the forest. The guides set up their ropes in the trees just for the activity. After you have gone the ropes are removed and its as if you were never there. During the activity you will really get to know the trees and particularly the difference between the various species that grow in the Alps, as some are typically a lot more technical to climb than others. Youll perhaps meet some of the animals that depend on the trees and forest habitat and will certainly leave with a better understanding of how it fits into our ecosystem!
CommunityEvery activity has its own charm and insight into the local mountain habitat and culture. For example, you could walk up to a mountain refuge accompanying the donkeys taking up supplies, helping to pay for the journey (otherwise done as a favour to the refuge guardian).
By eating in the refuge you will be supporting the guardians who live there for the season and make their living just on the food they sell to tourists. The price for staying the night is for the club alpine francais (CAF) for CAF refuges and doesnt go to the guardian. The guardian is also the local expert on flora and fauna and will show you where the local marmots, chamois or Ibex are hiding out.
We work closely with the Tourist Office and support their projects for sustainable tourism and in particular the impact of tourism on local agriculture (the traditional way of life in the area). We include local events that support and promote farming traditions, food production and markets in our itineraries and advice for things to do for our clients to help support the farming community and raise awareness of their culture.
We are committed to promoting the culture of the region and ensuring that tourism has a positive impact. Through supporting the refuges and giving clients detailed information about how to behave when in the national park we try to ensure that people behave with respect for the environment and local people. This information includes warnings against free camping, ensuring that people eat in the refuges, carry out their litter and adhere to the rules of the park.
We are committed to promoting the food of the region and advise people on local delicacies and where they can be purchased. We promote a local organic juice supplier who make Argousier (a local wild berry) and give all clients a bottle when they arrive with information about the berry.
3 Reviews of Multi-activity holiday in the French Alps
4 out of 5 stars
Reviewed on 01 Nov 2014 by Jane Sargent
1. What was the most memorable or exciting part of your holiday?
Being up in the mountains and doing great fun activities..staying in a mountain refuge, rock climbing, via ferata.. all brilliant activities!
2. What tips would you give other travellers booking this holiday?
Book as many activities up as you can.. ie one every day! October is also a great time of year to go!
3. Did you feel that your holiday benefited local people, reduced environmental impacts or supported conservation?
Yes.. it benefitted the accommodation we stayed at and the local shops where we bought food?
4. Finally, how would you rate your holiday overall?
Absolutely brilliant.. The company is run in a very efficient way and suited to each clients individual desires!
Reviewed on 08 Sep 2013 by Donal Kelly
1. What was the most memorable or exciting part of your holiday?
The area was beautiful and the local restaurants were very nice. The activities, in particular the white water rafting, were the most memorable part of the holiday. A great way to get out and see the area from a different perspective.
2. What tips would you give other travellers booking this holiday?
the information we got before we went was more than enough to prepare for the holiday.
3. Did you feel that your holiday benefited local people, reduced environmental impacts or supported conservation?
Yes, the guides were all local (and very friendly). We ate in local restaurants serving food from the area. The activities had no impact on the environment.
4. Finally, how would you rate your holiday overall?
A fantastic holiday and one I'd love to do again!
Reviewed on 24 Oct 2009 by Elroy Campbell
1. What was the most memorable or exciting part of your holiday?
Wonderful accomodation. We were really sad to leave our very gracious hosts. They were the best! They provided the best meals (and the best company) we had on our entire visit to Europe. All the activities were special (trekking, cycling, horse riding and via ferrata). The two peaks we climbed were highlights for me. Our guide, Bernard, deserves, extra credit for getting us there. We were definately not his easiest group.
2. What tips would you give other travellers booking this holiday?
Enjoy it!
3. Did you feel that your holiday benefited local people, and minimized impacts on the environment?
Yes. Local residents provided all the accomodation and activities during the holiday. During the hiking, all rubbish was carried back out of the mountains with us.
4. Finally, how would you rate your holiday overall?
A great experience. Outstanding. Very efficiently and thoroughly organised by Sally.
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Baral to Bulandshahr route map has been given with driving direction, The given road map may assist for your travel in different ways. You can calculate the Baral to Bulandshahr travel distance and travel time using our map. Our driving direction from Baral to Bulandshahr can guide you to reach your destination. The google direction map consist of blue road which connect Baral with Bulandshahr. It also shows the nearest places, hotels, petrol pump and tourist places around the route between Baral and Bulandshahr. You change the via route by drag and drop the blue line between Baral to Bulandshahr.
The shortest route from Baral to Bulandshahr may available in google map. You can simply drag the way point to different route. The shortest route between Baral to Bulandshahr is calculated based on the distance. The balloon with the letter 'A' denote the starting point of the road map. The letter 'B' on the second balloon is a destination point.
The straight line route or flight route from Baral to Bulandshahr is a crow fly distance route. Just it is a direct line between these two places. The highway numbers are shown with yellow color background. You can print the Baral Bulandshahr road map on paper using your printer.


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Data was last updated 2017-04-01 at 13:07:00 PDT
Introducing Elgin House built by Polygon... Opportunity is knocking to own this beautiful 2 bed / 2 bath garden level home with large patio conveniently located close to the entrance and elevator with 2 parking stalls and lots of storage. This quality construction home offers high end finishgs through out and amazing amenities including exercise center, pool, games room and guest suite, Too many extra's too mention and priced for immediate occupancy. Call today before it's too late!
Listing Information
- Prop. Type:
- Apartment/Condo
- Property Style:
- 1 Storey, Ground Level Unit
- Status:
- Sold
- Sold Date:
- 2017-04-24
- Condo/HOA Fee:
- $290.60
- City:
- Surrey
- Bedrooms:
- 2
- Full Bathrooms:
- 2
- Neighborhood:
- Morgan Creek
- Area:
- South Surrey White Rock
- Province:
- MLS® Number:
- Added On:
- Mar 27, 2017
- Listing Price:
- $459,800
General Information
- Year Built:
- 2015
- Flr Area Fin - Total:
- 855 ft2
- Floor Area Finish - Main Floor:
- 855 ft2
- Tax Year:
- 2016
- Total Square Feet:
- 855ft2
Additional Information
- Basement Area:
- None
Other Information
- Features Included:
- ClthWsh/Dryr/Frdg/Stve/DW, Drapes/Window Coverings, Garage Door Opener, Security - RI, Smoke Alarm, Sprinkler - Fire
- Site Influences:
- Central Location, Golf Course Nearby, Marina Nearby, Recreation Nearby, Shopping Nearby
- Amenities:
- Club House, Exercise Centre, Guest Suite, In Suite Laundry, Pool; Outdoor, Recreation Center
VIP-Only Information
- Sign-Up or Log-in to view full listing details:
- Sign-Up / Log In
This property is listed by Sutton Group-West Coast Realty (surrey/24) and provided here courtesy of Terry Wong. For more information or to schedule a viewing please contact Terry Wong.
Terry Wong
Sutton WestCoast Realty
Phone: 604.866.8037
Mobile Phone: 604.866.8037
Inquire Via Email
Sutton WestCoast Realty
Phone: 604.866.8037
Mobile Phone: 604.866.8037
Inquire Via Email
The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver and the Fraser Valley Real Estate Boards. Real estate listings held by participating real estate firms are marked with the MLS logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver and the Fraser Valley Real Estate Board neither of which assume any responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver and/or the Fraser Valley Real Estate Board.


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Ziploc Storage Bags Gallon20.0 ea
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- $299Buy 1, Get 1 50% OFF
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Fresh Food Fresh Ideas
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Fresh Ideas
- Use Ziploc® bags as a convenient and easy-to-handle way to marinate meat, seafood or poultry in the refrigerator.
- Because moisture encourages spoilage, don't wash fruits and vegetables before storing in Ziploc® bags.
- For foods that don't need refrigeration, store safely in Ziploc® bags in cool cabinets - away from any heat sources.
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We were able to get away for a couple of days and head up to our condo at Huntington Lake to take the kids snowboarding at Sierra Summit. There really is only one restaurant in this area, aside from driving down to Shaver Lake and thank goodness it's a good one!
Dinners on Sunday night are served in the bar room, which is cozy with a wood stove. We brought along a bottle of our Engelmann Cellars Gravel Pit Syrah. We started with an appetizer of mozzarella sticks which are always wonderful, served with two sides of marinara and ranch diping sauces.
We usually do the "split plate" thing ($4) and decided on the prime rib. The dinners are served with fresh, crisp green salads that are always very good and warm, whole wheat bread served on a wood bread tray. Bread is always fresh and warm. We took the kids the rib dinner back to the condo which they both loved. No desserts, but they are always good. I like the cheesecake and the chocolate decadent torte.
We woke up the next morning to fresh, falling snow which was beautiful. Another great meal at the Lakeshore Lodge, this place never disappoints. www.lakeshoreresort.com Cheers! ***kim***


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FA Laws for Mini-Soccer Years 2 to 6 (5v5 and 7v7)
This guide provides the Laws for Year 2 and Year 3 versions of the game, with children playing a maximum of 5v5.
It also provides the Laws for Year 4 and Year 5 of the game, with children playing a maximum of 7v7.
These Laws are also correct for Year 6 when playing 7v7.
These are short-term experiences helping children learn about winning and losing in an appropriate environment.
- Year 2: No season-long league tables; Short-term competitions lasting two weeks (three per season)
- Year 3: No season-long league tables; Short-term competitions lasting two weeks (three per season)
- Year 4: Noo season-long league tables; Short-term competitions lasting four weeks (three per season)
- Year 5: No season-long league tables; Short-term competitions lasting four weeks (three per season)
- Year 6: No season-long league tables; Short-term competitions lasting six weeks (three per season)
The winners of these events can be published and trophies can be presented.
Except where other provision, in these Laws are made, the Laws of Association Football apply. Each Law is numbered to correspond with the appropriate Law of the Game. These Laws are mandatory unless special permission is granted by The Football Association.
Law 1: Playing Area
Halfway Line
The field of play is divided into two halves by a halfway line. The centre mark is indicated at the mid-point of the halfway line. This is also used as the retreat line when restarting play with a goal kick.
Goal Size
The distance between the posts is 12ft and the distance between the lower edge of the cross bar and the ground is 6ft.
Please Note: If the Year 6s are playing 7v7 it is permissible to play with 16x7 goals too, based on the age of the child, not the format.
Law 2: The Ball
- The ball should be size 3 for Years 1 to 4
- The ball should be size 4 for Years 5 to 9
- It should be safe and made of leather or another suitable material
Law 3: Number of Players
Maximum number per team, including goalkeeper
- Year 2 and Year 3: 5v5
- Year 4 and Year 5: 7v7
Year 6 children are permitted to play 9v9 but the recommendation is they play 7v7 in primary schools (as Year 5 children cannot play 9v9).
If a primary school can only put down one pitch due to availability of grass space, install a 60x40 for Years 4 to Year 6 to use.
The above indicates the maximum number of players per team at that age group. If the competition would like to have smaller numbers, e.g. 4v4 at Year 5, this is allowed within this framework.
A match may not START if either team consists of fewer than four players in a 5v5 and five players in a 7v7 match.
The minimum number of players in a team required for a match to CONTINUE is also four for a 5v5 match and five players for a 7v7 match.
Matches can begin with uneven sides, e.g. 5v4, but the importance and ethos of Mini-Soccer should be upheld wherever possible and the development of the children should come before the score line.
Players must play with and against players only from their own age range, as per Football Association and Competition rules. However, please see the Standard Code of Youth Rules as this means in most cases there is a two year age band in place.
Each team must have a squad no greater than double the size of the team per age.
Any number of substitutes, without being named, may be used at any time with the permission of the referee. A player who has been replaced may return to the playing area as a substitute for another player.
All team members should receive equal playing time where possible, with a best practice recommendation of at least 50% per player for each game.
Law 4: Playing Equipment
Players must wear shin guards and goalkeepers must wear a distinguishing playing strip. Shin guards must be covered entirely by the socks.
Players must wear the appropriate clothing dependant on the weather.
Correct footwear must be worn for the surface of the pitch e.g. no metal studs on artificial grass pitches.
Law 5: Referees
The Authority of the Referee
Each match is controlled by a referee who has full authority to enforce the Laws for Mini-Soccer in connection with the match to which they have been appointed.
Furthermore, referees should also recognise their role is to facilitate learning of the players, for example, allow young children to take a second attempt at a throw-in if the first is not within the Laws.
Law 6: Assistant Referee
Assistant referees are not required.
Law 7: Duration of the Game
In any one day, no player shall play more than
- 40 minutes for Year 2 and 3
- 60 minutes for Year 5
- 100 minutes for Year 6
It is the responsibility of the parent/carer or organisation to ensure the child does not exceed this.
Each school will determine its own playing time within the maximum time permitted however the maximum duration will be
- Year 2 and Year 3: 2 x 20 minutes
- Year 4 and Year 5: 2 x 25 minutes
- Year 6: 2 x 30 minutes
It is permitted during friendly matches that the periods of play can be split into equal quarters.
The half time interval must not exceed 5 minutes.
Law 8: Start and Restart of Play
A kick-off is taken at the centre of the playing area to start the game and after a goal has been scored.
Opponents must be 5 yards away from the ball and in their own half of the field. The ball must be played forward. In Mini-Soccer a goal cannot be scored directly from a start or restart of play.
Special Circumstances
A dropped ball to restart the match, after play has been temporarily stopped inside the penalty area, takes place on the penalty area line parallel to the goal line at the point nearest to where the ball was located when the play stopped. No goal can be scored direct from a dropped ball.
Law 9: Ball In and Out of Play
Normal rules apply, as per Laws of Association Football.
Law 10: Method of Scoring
Normal rules apply, as per Laws of Association Football.
Law 11: Offside
There is no offside.
Law 12: Fouls and Misconduct
Normal rules apply, as per Laws of Association Football. However, in Mini-Soccer all free kicks are direct.
A free kick is awarded to the opposing team if the goalkeeper:
- Takes more than 6 seconds to release the ball from his/her hands
- Touches the ball again with his/her hands after it has been released from his/her possession and has not touched any other player
- Touches the ball with his/her hands after it has been deliberately kicked to him/her by a team mate
- Touches the ball with his/her hands after he/she has received it directly from a throw in taken by a team mate
For all these offences, the free kick should be taken from the penalty area line, parallel with the goal line, at the nearest point to the offence.
Law 13: Free Kicks
For all free kicks opponents must be 5 yards from the ball.
Law 14: Penalty Kicks
Normal rules apply, as per Laws of Association Football.
Position of the Ball and the Players
All players except the defending goalkeeper and kicker must be outside the penalty area and at least 5 yards from the penalty mark.
The ball must be kicked forward.
Law 15: Throw-in
Normal rules apply, as per Laws of Association Football.
In addition, Year 2 and Year 3 children are permitted to roll the ball underarm with one or both hands into the field of play.
The role of the referee is to also allow young players to learn the game. This may involve letting players take throw-ins again, if incorrect technique is used. The referee should ensure the same player attempts a second time, with guidance and help from the match official.
Law 16: Goal Kick
A player of the defending team kicks the ball from any point within the penalty area.
Opponents must retreat to their own half until the ball is in play.
The defending team does not have to wait for the opposition to retreat and has the option to restart the game before should they choose to.
The ball is in play when it is kicked directly out of the penalty area.
Law 17: Corner Kicks
The opposing players must remain at least 5 yards from the ball until it is in play.
The kicker may not touch the ball again until it has touched another player. If he/she does, a free kick is awarded against them.
The ball is in play immediately when it enters the field of play.
Previous page: Rules for Primary Competitions
Next page: FA Laws for 9 v 9 Football


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Past Events
Charity Auction
SWINDON THERAPY CENTRE for Multiple Sclerosis held a Grand Charity Auction last Friday 29 April 2005 at the Hilton Hotel, West Swindon. Our target of £2500 was exceeded and an amazing £5,500 was raised!
The star item "The Order of the Phoenix" personally signed by JK Rowling (complete with letter of authenticity) made £1,500 bought by a London book shop. The "Elton John signed Greatest Hits CD" went for £290; 2 tickets to an England Football World Cup Qualifying Game went for £240; 2 nights B&B in Spain went for £160; an England baseball cap signed by Sir Geoff Hurst went for £45; Swindon Town Football signed by all the players went for £70; 2 VIP Tickets to a Swindon Town Football Game, including meal and car parking went for £150; Red Rum Framed Print signed by Tommy Stack (jockey who rode Red Rum to his 3rd Grand National victory) went for £180 and James Bond Framed Print signed by Maud Adams (actress in Octopussy) went for £41.
We would like to thank all the donors of the various auction items for their generosity in making this, our first auction, so successful. Thanks also go to the Hilton Hotel, who gave us the venue free, and also to the auctioneer who gave his services free for the evening. We would also like to thank Bayer Pharmaceuticals who gave us sponsorship towards the evening's expenses. Thanks also to the "The Bullfrogs", a local Rhythm and Blues Band who provided the entertainment and helped to make the evening go with a swing!
The money raised at the auction will go towards the MS Centre, which is based at Cheney Manor and which offers therapies for people with Multiple Sclerosis. Annual running costs exceed £30,000 and much of this is raised through fund-raising events such as the auction, as the Centre receives no central funding of any kind.


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The Food and Drug Administration panel voted 11-2 that the benefits of the pill Votrient outweigh its side effects, even when considering that it did not significantly prolong life for patients with soft tissue sarcomas. The vote is not binding, but the agency usually follows its recommendations.
Glaxo's studies of Votrient showed the drug halted growth off the deadly tumors for three months on average. However, patients didn't ultimately live significantly longer than those taking chemotherapy drugs. Chemotherapy has been the standard treatment for sarcomas for decades.
Most patients taking Votrient lived about 12.6 months after beginning treatment with the drug. That was only two months more than patients taking chemotherapy, and the FDA said the difference was not statistically significant.
Despite the lack of survival benefit overall, doctors noted that a small group of patients lived four months or longer than the chemotherapy group.
"I feel the effect is marginal but there does appear to be a group of patients who have benefited from this for longer periods of time," said panel chair Dr. Wyndham Wilson of the National Cancer Institute.
Soft tissue sarcomas are a rare class of tumors that form in the fat, muscles and joints, often around the limbs and chest. An estimated 11,000 people in the U.S. were diagnosed in 2011 and 3,900 died from the disease, according to the National Cancer Institute.
Many cancer drugs approved by the FDA do not actually extend survival, but instead slow the growth of tumors or their spread to other parts of the body. In recent years, cancer experts have debated the significance of such results, particularly given the potentially dangerous side effects.
Side effects with Glaxo's pill included liver toxicity, high blood pressure and heart problems. But most panelists said chemotherapy can cause similar problems and there is a serious need for new drugs to treat sarcoma.
"There are no drugs approved by the FDA specifically for this indication and that's what drove my decision to vote yes," said Dr. Mikkael Sekeres of the Cleveland Clinic.
Soft tissue sarcoma is often curable if detected early. The patients studied by Glaxo had cancer that had spread to other parts of the body, despite chemotherapy. After that occurs life expectancy ranges between a year and a year and a half.
Shares of London-based GlaxoSmithKline PLC rose 9 cents to $45.58 in midday trading.


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WIRED magazine contributing editor Fred Vogelstein writes in with some observations on talk of a new tech bubble:
Bill Gates said the following
to a
group of European journalists late last week: "We're back kind of in an
Internet-bubble era in terms of people thinking: 'O.K., traffic. We
want traffic. We want traffic. There are still some areas where it is
unclear what's going to come out of that."
It is a tempting, but inaccurate conclusion. Sure, Google
just agreed to pay nearly $1.65 billion for You Tube, a company that
didn???t exist a year and a half ago. Sure, every week for the past month
there has been talk about Facebook getting acquired for a similar sum.
But beneath all the hype there are some really important and fundamental changes going on in high tech.
*PC???s are as cheap as TVs ??? less than $400. This means that they are truly mass market items.
*Storage is virtually free and creating its own innovation cycle. The
price plunge here is even more astounding than the impact of Moore's
Law. A 60 GB Ipod - retail price $350 - would have cost about $85,000 a
decade ago. Storage innovation used to be shackled to chip and software
innovation. Now, flash drives and hard drives are in almost every piece
of electronics we use.
*Broadband and fast wireless connections are increasingly ubiquitous.
Scott McNealy has been preaching the network as the computer for 20
years. Now, thanks to fast, always on connections, it is coming true.
*Everyone wants to advertise online. Why else would Google pay so much
for You Tube? Why else would Gates have paid some $400 million for
Massive earlier this year. The company has technology that will allow
Microsoft to put online advertising into Xbox video games.
*And as Rob Guth at The Wall Street Journal reminds us today, the Internet browser has
become a critical platform for software innovation. Google and
Microsoft may debate how much of what we do will be on servers
elsewhere and how much will be done on our own computers. But compared
to 10 years ago, when Netscape acolytes first surfaced this idea,
everyone agrees on the direction things are going.
Essentially every business and technology trend that Valleyites have
been dreaming about for the last decade is coming true at once. And I
know from talking to Gates that he understands all of these things
better than anyone. So why the contradiction? In my opinion, it's a
head fake. Gates is one of the smartest and saviest businessmen and
technologists I've ever met, and he didn't get that way by telling his
competitors what was really on his mind.
Scoble has an interesting take on it too.


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I'm a big fan of the video community Vimeo. It's sort of the independent version of YouTube. They recently launched a video school that shows users how to shoot good video.
The content covers a lot of aspects of best practices in video creation. For example, the below video outlines white balance and how it's important to capturing accurate colors in your video.
Despite the technology available to consumers these days — most of which is automated — it's still important to learn the basics to produce footage that's less point and shoot and more professional. After all, they're your memories so why not make them look as best as you possibly can.


text:
Another excellent set of photos - I enjoy your takes on the places and details so many people probably walk past every day without ever actually 'seeing' them. Your eye for detail or the 'unusual' makes so many of the photos taken in your London bimbles so different to the predictable, repetitive, 'I was here' tourist snapshots that crop up on the social media platforms.
Places like the London Stations are, for so many people, simply a place they pass through, in a hurry, on their way somewhere else - you show them to be places worthy of a little time spent looking at their unique features.
Keep up the good work!
Paul F


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The heating, ventilation and air conditioning (HVAC) system in your home is essential to maintaining a comfortable temperature indoors all year round. Without proper maintenance, your HVAC system won't be working at its peak efficiency, which means your energy costs will be higher than they should be.
For help fixing this problem, you need an HVAC contractor in Red Deer. Comfortec Heating & Air Conditioning Ltd. has experience with residential and commercial HVAC services. Our team is able to ensure your HVAC system is in top working order, providing you with better energy efficiency. We provide maintenance, repairs and new system installations so your home or office will always be the right temperature.
Residential HVAC Services in Red Deer
As a locally-owned company, Comfortec Heating & Air Conditioning understands the importance of having a comfortable home. You want just the right temperature indoors so that you and your loved ones aren't freezing in the winters or sweltering in the summers. We offer complete residential HVAC services in Red Deer, including:
No matter what your heating and air conditioning needs are, our HVAC contractors in Red Deer have the solutions to help. Contact us today to discuss your options and set up an appointment.


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When: 10am-5pm, November 19th, Where: Studio Bell, Home of the National Music Centre, How Much: Free
The AEMCON Marketplace is a free-to-enter trade show taking place on the ground floor of the National Music Centre on Sunday, November 19th. Vendors include world class gear manufacturers, artist development organizations, and music software/VST makers.
We are also excited to announce that the Dead Vinyl Society will be hosting a a vinyl swap at the marketplace! If you have quality dance or electronic records that you would like to sell or trade, then pack a bag, crate or record box and join in!
From 10am to 5pm, you'll be able to try-out the latest synths, talk to manufacturers about new products, learn about what arts organizations are doing to support you, and meet other electronic music enthusiasts
- A Synth Petting Zoo (play with the latest tech)
- Gear + tech demos from world-leading music brands
- Clothing from 10+ nightlife brands
- Special $10 entry into the whole National Music Centre Museum
- A free-to-participate vinyl swap
- Much more!
Confirmed Marketplace Vendors
Do I need a AEMCON conference pass to attend?
No, this section of AEMCON is open to the public, free of charge. However, AEMCON pass holders will receive a goodie bag filled with gifts from many of our sponsors and vendors.
Where is it?
The Marketplace will be on the ground floor of the National Music Centre in Calgary. You can access it from the street.
Can I buy things there?
Yes, some vendors will have product for sale
Can I vend at the Marketplace?
Yes! Fill out a vending request form here and we'll contact you with availiblity


text:
Getty Images (2); Courtesy Photos (2); Red Loft Studios; Reuters
1. Ryan Gosling teamed up with Phillip Lim to create a custom leather bomber. [Styleite]
2. Want to smell like America's Next Top Model? A fragrance based on the show is coming to Target. [THP]
3. Congratulations, Kaitlin Olson! The It's Always Sunny in Philadelphia actress is pregnant. [Inquisitr]
4. William and Kate have received 60,000 pieces of fan mail. That's some royal appreciation! [People]
5. Bags galore: Peek inside Coach's headquarters. [Refinery29]
6. Tory Burch is gearing up to launch her first fragrance. [WWD]


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This is a delicious and easy way to roast carrots as a side dish with a paddle-type hot air fryer. Boiled carrots just won't cut it after this recipe. You can make this a day ahead even and reheat in microwave. Makes 3 cups / 400 g / 14 oz in total. Print Roasted Carrots… Read More »
Roasted Heritage Carrots and Rhubarb
This dish, which treats rhubarb as a vegetable (which it is, after all), makes a great side dish for pork, lamb and game dishes. It's nice to enjoy rhubarb in a different way for a change. The colours are very festive; a good Easter side dish perhaps? Print Roasted Heritage Carrots and Rhubarb Prep time: … Read More »


text:
Now, if only the other day K4 Lenovo Vibe Note by VR goggles bonus of ANTVR, now two other series are also no bonus VR goggles. If purchased separately, VR goggles cost about the US $25.
To be able to enjoy a dish photos and video-based Virtual Reality (VR) You need to use this special glasses. Watch the video wearing VR goggles, as if you were a real place at the site.
This smartphone supports 4G networks, 5.5-inch Full HD screen, weight: 158 grams is fitting in size with VR goggles. Lenovo Vibe K4 Note wear Octa-Core 64-bit processors (MTK6753) which has a computing speed of 1.3 GHz.
On his back near the 13 MP camera embedded fingerprint sensor that makes you more convincing smartphone security. For the battery, the phone is a capacity of 3300 mAh.
Although the latter is present, but the price K5 Vibe Plus is the cheapest. Even the processor is already using Qualcomm Snapdragon 616 which is the computing speed of 1.5 GHz. However, the memory RAM is under Vibe K4 Note.
This series only save space of 2 GB to 64 GB ROM. While any screen size is small, only 5 inches. Lenovo Vibe Plus K5 include 13 MP main camera and front camera 5 MP. Dual SIM mobile phone is powered by 2750 mAh battery.
This series comes with a screen measuring 5.5 inches that have full HD capabilities. Sustained by Mediatek MT6752 processor which is ready to serve the 4G LTE network. While memory is provided for 16 GB with 2 GB ROM.
This series features the Dolby Atmos audio processor and has tuck TheaterMax applications. Therefore highly compatible with VR goggles.


text:
Entertainment and News from different sources
From April 2016, migrant workers will need to earn at least £35,000 to qualify for settlement in the UK. Will this affect your life in the country?
BCGHN1 UK Border control at Terminal 5 Heathrow Airport London United Kingdom. Image shot 2009. Exact date unknown.
Non-EU migrants who have spent more than five years working in the country will be required to earn £35,000 per year or else face deportation, according to a policy that comes into effect in April next year. The policy, announced in 2012 by the home secretary Theresa May, has been criticised this week by the Royal College of Nursing. It predicted chaos in the health service, and urged the Home Office to add nursing to the list of occupations exempt from the rules and reconsider the salary threshold.
But nurses won't be the only people affected by the changes. Migration figures published in May reveal migration for work from outside Europe rose by 24,000 to 68,000 in 2014, with nearly all coming on skilled work visas. £35,000 is a salary that won't affect those working in finance or, for the most part, IT, but there are many other sectors with workers who will be forced to leave when the pay threshold comes into force.
For decades, settlement has been granted on the basis of length of time living in the UK, as well as pre-existing ties to the country. The policy is part of the government's determination to reduce annual net migration.
We want to hear from people likely to be affected by these changes. You can share your story by filling out the form below.
– http://www.theguardian.com/uk-news/2015/jun/24/new-uk-immigration-rules-will-you-be-affected?CMP=fb_gu
© 2018 Merih-News.Com - All rights reserved.


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We are happy with the order and your service
Sunday 17 January, 2016
Your order has arrived at their first destination! This on-line order is a really neat on-line business story! We are in Canada and Kari, my daughter, finds your website for beer KOOZIE ® Can Koolers for guy wedding favours. She is marrying an Australian and those Aussies never have their beer without a beer KOOZIE ®'Koolers' (too hot there, can't say that for Canada!). We place the order online (is this a valid site, we ask, but take our chances). We arrange to send the completed order to my Canadian niece in Nashville, because you don't sent to Canada and she will bring them to the wedding in Hawaii. My daughter, Kari is now in Australia and has now been notified that her beer KOOZIE ®'Koolers' order has arrived at her soon-to-be-famous country singer cousins. Who knows maybe cousin Kelly may write a song about the beer KOOZIE ® Can Koolers in the Budweiser package! Anyway thought you might want to know the chances we took online worked out and that we are happy with the order and your service. I wish you much success with your on-line business. You may want to share this successful on-line business transaction with your local Chamber of Commerce! Thank You, Soon too be mother-of -bride and Aunt of soon-to-be-famous country singer. Life Is Good


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We are the pioneers of Digital Therapeutics for Diabetes in South Asia.Wellthy Therapeutics is building a patient centric solution solving for diabetes through digital intervention and management. We've got a world class team, a global advisory board, amazing design capabilities and all the smarts and skills needed to pull it off. Well...except what you will bring to the table :)
Our Founding Team
Previously a venture capitalist at Unilazer Ventures, and a 2nd generation entrepreneur in his 2 family businesses in healthcare and pharmaceuticals. Holds a B.Sc in Chemical and Biomolecular Engineering from Georgia Tech, and an MBA from the Indian School of Business.
Previously a consultant at Georgia Institute of Global Health. Holds an MBBS from Nair Hospital, Mumbai and a masters degree in healthcare management from Harvard University.
Previously he was a management consultant at KPMG and PwC. He holds a B.Sc. in Biological Sciences from Nanyang Technological University and a MBA from the Indian School of Business.
Worked in engineering and technology lead roles in several startups like Zipdial and Manthan Systems. Holds a Bachelor of Engineering in Information Technology from Mumbai University.


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Some new perspectives on cloud security this week…or perhaps it's more accurate to say that the we're seeing more support and focus on how to develop and implement strategies for it. The Evident.io team is providing a variety of resources to help organizations configure and protect their AWS S3 buckets, evolve from legacy security policies, and create a more realistic approach to cloud security.
The news brings more strains of malware and other attacks, along with information on efforts by organizations to isolate them and guard against future hacks.
New from Evident.io
WEBINAR – AWS S3 Security: Your 1 Week Action Plan
Thursday | November 16, 2017 | 10:00 am PDT, 1:00 pm EDT
Join Evident.io for this webinar about how to secure your AWS environment and prevent S3 breaches.
One Team Dedicated to Your Enterprise Security and Compliance
Evident.io has a team of cloud security experts who support customers with the ongoing efforts to reduce vulnerabilities and potential threats to your enterprise. These Application Support Engineers and Technical Account Managers provide expert service and help organizations successfully apply security and compliance controls with ESP.
Let's Skip the Security Theater
Quite often, our approach to security is like our approach to documenting our lives on Instagram; it looks fabulous, but it's not truly representative of reality. Here's a better approach: let's actually make progress on getting our environments to a secure state.
Jurassic Cloud
The overall IT landscape has become more complex with the introduction of the cloud and DevOps into enterprise environments that need to support both legacy and new systems. But, tools often don't work the same way in the cloud as they did in your datacenter. Surviving legacy tools can keep you in the prehistoric computing age, and cause your environment to become a Jurassic Cloud.
ESP @ Work: HIPAA and NIST Compliance for State and Local Education
The Evident Security Platform's flexible custom control checks and one-click compliance reports enable Internationally recognized Medical School to reduce risk, simplify audits, and achieve HIPAA and NIST compliance validation.
News and Perspectives on Cloud Security
Attack of the Week: DUHK
An interesting report about DUHK (Don't Use Hard-coded Keys), a vulnerability that affects devices using the ANSI X9.31 Random Number Generator (RNG) in conjunction with a hard-coded seed key.
More Reaper Malware
Krebs breaks down the new IoT malware strain called "Reaper" which infected more than a million organizations by targeting newfound security weaknesses in countless Internet routers, security cameras and digital video recorders (DVRs).
Silence – A New Trojan Attacking Financial Organizations
Hackers have been discovered to be using a known but still very effective technique: gaining persistent access to an internal banking network for a long period of time, making video recordings of the day to day activity on bank employees' PCs, learning how things works in their target banks, what software is being used, and then using that knowledge to steal as much money as possible when ready.


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ZipBooks has launched a standalone bookkeeping service that connect clients with live bookkeepers.
The customer's dedicated bookkeeper will perform bank reconciliations prepare income statements, balance sheets, and all financial reports, according to ZipBooks.
Users who transition from a different bookkeeping service will have the data migration taken care of by ZipBooks.
The accounting software company has offered a version of this service in the past, but not on a large scale. This release can be described as ZipBooks Bookkeeping coming out of beta, according to a spokesperson for the company.
The simple bookkeeping plan starts at $125 a month and includes a personal bookkeeper, ZipBooks accounting, invoicing and time tracking software, bookkeeping and financial statements, expert bookkeeping advice, and online chat support.
The multiple classifications plan starts at $145 a month and includes everything in simple bookkeeping plus the ability to tag or track multiple locations, business units, or classifications, individual and consolidated financial statements, and comparison financial statements across all classes.
The top tier plan, vendor and 1099 preparation, includes everything in simple bookkeeping plus the ability to tag or tracks individual vendor payments, and 1099 reporting and preparation.
For more information on ZipBooks' bookkeeping product, click here.
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i tried some whole seed mustard this summer for the first time. i had never heard of it before and sampled it at the american spoon in petoskey. i just had to buy some, even though it was $13. for a small jar. now that ive looked online i see many companies make it and several recipes to make your own.
im wondering if anyone has made there own and has a good recipe. (one like american spoon, thats whole and not paste, and not yellow)


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Week 8 produced an abundance of fantasy goodness for a lot of teams in our league. this is the first time since week 17 of the 2011 fantasy football season that 6 or more players scored at least 30 fantasy points. This week only one team scored below 89 points, and Megatron and Crawptimus Prime blew everyone out of the water with a 182 point game!
That's right! Check out this lineup from the week 8 matchup of Crawptimus Prime and Ertz, Donut?:
Crawptimus received Eddie Lacy, Gronk, and Maclin through trades and was able to piece together the perfect lineup. The East division in our league is just killing it right now. I'm second in the West division and sixth overall. With such a small league, there are going to be rally great teams throughout, and the competition has been pretty stiff this tear. We've already seen both a 27 point performance as well as a 182 point showing, but for the most part the scoring has been quite high every week. Here's how the standings shake out right now:
Obviously losing Adrien Peterson to stupididty and losing Zac Stacy to…well lack of playing time has really made me scramble. Luckily I picked up Denard Robinson last week, along with Doug Baldwin, and hopefully they will be able to be consistent starters for me. here's where my lineup is at right now (SPOILER ALERT: it's a friggin' mess!):
I've been able to hang tough, though, and there's still plenty of fantasy season left. I put in the latest data from the week's games, and have some handy projections ready for week 9 of the fantasy football season:
Week 9 Power Rankings
1) Megatron and Crawptimus Prime 146
2) The Blair Walsh Project 140
3) Knile You Were Sleeping 134
4) Trophy Wife 123
5) Team Reese 110
6) I Pitta the Fool 108
7) Ertz, Donut 105
8) The Fellowship of Samwise 95
9) Rafi Bomb! 86
10) Overreaction Guy 78


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3D Magic cube free 1.5
1.A 3D Rubik cube,touch screen to rotate just like a real one.
2.Controlled by one finger.
3.An ad banner inside, you can buy to remove that.
Permanent free update.
Requirements: iOS 6.0 or later. Compatible with iPhone, iPad, and iPod touch. This app is optimized for iPhone 5.


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1.9% APR for 36 months on select Ford Mustang models
Manufacturer Offers10
- 1.9% for 36 months
- 2.9% for 48 months
- 3.9% for 60 months
- 5.9% for 72 months
Applies to select new 2018 Ford Mustang.
The standard features of the Ford Mustang EcoBoost include EcoBoost 2.3L I-4 310hp intercooled turbo engine, 6-speed manual transmission with overdrive, 4-wheel anti-lock brakes (ABS), side seat mounted airbags, curtain 1st and 2nd row overhead airbags, driver and passenger knee airbag, airbag occupancy sensor, air conditioning, 17" aluminum wheels, cruise control, ABS and driveline traction control, AdvanceTrac electronic stability.
Applies to select new 2018 Ford Mustang.
Retail Customer Cash
Competitive Conquest Bonus Cash
2018 College Student Purchase Program
2018 Military Appreciation Bonus Cash
2018 First Responder Bonus Cash


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Free software app solutions from the best in download directories! Use the featured software applications lists, learn the most recent releases of the cutting-edge programs solutions, and download now! Do not fail chance to acquire the hottest software program: utilise SoftEmpire directory to acquire software programs for free. Meet the accumulation of free utilities and software program releases. Search among system softwares, obtain managers, antiviruses, and all other sorts of tools for your notebook or cellular stuff!
SecurDataStor�?� Platinum is an affordable and easy-to-use desktop software security solution for managing access to sensitive information. It provides comprehensive protection for the life of the digital information. Wherever it is stored. Whenever it is used. With permissions you assign.
With a seamless method of sharing sensitive data, the software uses powerful encryption technology and a server-less authentication model. It supports all primary forms of information sharing: on the hard drive, file server, virtually any kind of PC removable storage media (e.g., CD-R/RW discs, Iomega�?� Zip�?� and Jaz�?� disks, and floppy disks), and through protected email attachments.
SecurDataStor Platinum can also protect Web content on media so users can access the content through secure locally hosted Web sessions. When users access the encrypted content on the media, a browser automatically launches and the software decrypts the content on-the-fly.
With the email feature, the software protects the information after it has been received. It also provides automatic notification to the sender of the receipt, use, and location of the information.
The permissions-based rights management feature enables the originator of the information to specify access control rules (e.g., permission to read, write, and copy files) and automatic time expiration. The originator can also restrict information so it cannot be copied, cut and pasted, or printed.
The internal auditing and key recovery feature enables users to track the information shared, with whom, their permissions, and user names and passwords.
With SecurDataStor Platinum, users can safely share sensitive information across different Microsoft® Windows® operating systems, over different network and firewall technologies, and across different forms of removable storage media. The end result is to extend the protection to other users without requiring them to possess their own copy of the software.
Transfer files with ease using this intuitive and powerful FTP client with upload & download resume. Easy to use for professional and begginers. FtpRight is a perfect tool for Web developers or anyone that moves files on the Internet.
More secure than application-level firewalls, yet more cost effective than competing packet-level firewalls, VisNetic Firewall provides protection to Windows-based Servers, stand alone PCs, and/or LAN workstations from internal and external threats.
Secure script-driven Windows FTP client with 100+ commands supporting 128-bit SSL and SSH secure servers and integrated PGP encryption/decryption. Also features integrated e-mail, ZIP archive support, COM/OLE, and single command file synchronization.
Print Censor ME is a program for manage every print job. With Print Censor ME you will know the following information about the printed jobs: User name; Computer name; Date and time; Number of pages. Save your money with Print Censor ME!
Point Of Sale System suitable for most types of retail business. Support for Cash, C.O.D, Account, Hire, Appro and Lay By transactions. Item lookup/selection by Item Description, Item Code, Barcode, Point and Click (Touchscreen)
This backup and change management tool backs up websites hosted anywhere, on any platform. It backs up your site according to a schedule you define, stores your backups in a revision history archive and sends e-mail notices when your site changes.
TraySafe password manager allows you to forget passwords! It will save and protect them for you: encryption and hashing algorithms, autoinsert and autofill, hardware ID, USB drive support.
You can forget passwords and you will not lose them!
Easy Keyboard Logger can record every keystroke made on your computer! It is completely undetectable and starts up whenever your computer starts up!
Advanced invisible Keylogger records keystrokes typed, websites visited, chat conversations, applications ran, emails sent and received, files opened etc. Software invisibly saves all keystroke information into log files with date and time.


text: i've bought all 3 books ready to be read . i am just wondering if anyone else has read the trilogy or at least the first one? i myself, am currently reading the first one . i am almost done the 1st book [on part 3] and so far i am really liking the it. the storyline, the characters, the unexpected. it may just be me, as it usually always is, but i would recommend this book to anyone !


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Gender-Confused Kids Are Being Experimented on With Hormone Therapy: Experts
A new report written by three well-respected medical experts and scholars questions the safety and effectiveness of pressuring gender-confused children to undergo "radical" and "experimental" puberty-blocking hormone therapy even though the treatment and its side-effects haven't yet been adequately researched by the science and medical communities.
The new report, Growing Pains: Problems With Puberty Suppression in Treating Gender Dysphoria, was published by quarterly journal The New Atlantis on Tuesday.
It argues that while puberty suppression therapy through hormone intervention is increasingly being recommended for children with gender dysphoria and at younger ages, there is little evidence that shows that puberty suppression is "reversible, safe, or effective for treating gender dysphoria."
"Psychologists do not understand what causes gender dysphoria in children and adolescents, or how to distinguish reliably between children who will only temporarily express feelings of being the opposite sex from children whose gender dysphoria will be more persistent. Until much more is known about gender dysphoria, and until controlled clinical trials of puberty suppression are carried out, this intervention should be considered experimental," the report states. "Regardless of the good intentions of the physicians and parents, to expose young people to such treatments is to endanger them."
The report was authored by Paul Hruz, an associate professor of pediatrics, endocrinology and diabetes and associate professor of cell biology and physiology at Washington University in St. Louis; Lawrence Mayer, Johns Hopkins University School of Medicine scholar in residence and professor of statistics and biostatistics at Arizona State University; and Paul McHugh, Johns Hopkins University's distinguished service professor of psychiatry.
It is a follow-up to a special report written by McHugh and Mayer last year for The New Atlantis on gender and sexuality. The scholars argued, among many other things, that studies have shown that gender dysphoria in children most often does not persist into adulthood.
However, the new report argues that puberty blocking treatments may make it more likely that patients who might have otherwise identified as a member of their biological sex when they become an adult will still continue to identify as a member of the opposite sex from which they were born.
The authors criticize a 2016 guide for families of transgender children that was produced by the American Academy of Pediatrics and the American College of Osteopathic Pediatricians, in partnership with the pro-LGBT political advocacy group Human Rights Campaign. The guide, they argue, promotes a "drastic and experimental measure."
"The guide says that 'to prevent the consequences of going through a puberty that doesn't match a transgender child's identity, healthcare providers may use fully reversible medications that put puberty on hold.' Delaying puberty, according to the guide, gives the child and family time 'to explore gender-related feelings and options,'" the authors cite.
"Reading these various guidelines gives the impression that there is a well-established scientific consensus about the safety and efficacy of the use of puberty-blocking agents for children with gender dysphoria, and that parents of such children should think of it as a prudent and scientifically proven treatment option. But whether blocking puberty is the best way to treat gender dysphoria in children remains far from settled and it should be considered not a prudent option with demonstrated effectiveness but a drastic and experimental measure."
The report explains that there has been "no controlled clinical trials comparing the outcomes of puberty suppression to the outcomes of alternative therapeutic approaches — there are reasons to suspect that the treatments could have negative consequences for neurological development."
During a conference call Tuesday, Hruz warned that many parents who allow their children to go through with this treatment might not be confronted with the fact that it is still in an experimental stage. The report states that the use of GnRH analogue drugs for gender dysphoria still has yet to be approved by the Food and Drug Administration
"Thinking about it as a physician and scientist, in all other areas, we would demand rigorous information in using a new treatment for a new indication. In essence, what is being done with these children is uncontrolled experimentation on them and they are not even being told that they are being experimented on. It is not presented in that way," Hruz stated.
"So the normal safeguards that are normally present when experimenting on children are not being provided for them. The parents who are asked to allow their children to go through these treatments are not told accurately the status of the knowledge and there are many questions that remain."
In their report, the authors contend that the growing accepted assertion that puberty-blocking treatments are "fully reversible" overlooks basic facts about the effects of the drug if taken for a prolonged period of time.
"In developmental biology, it makes little sense to describe anything as 'reversible.' If a child does not develop certain characteristics at age 12 because of a medical intervention, then his or her developing those characteristics at age 18 is not a 'reversal,' since the sequence of development has already been disrupted," they state.
Moreover, taking the drugs can make a person infertile and cause other unknown side-effects that haven't been well researched yet.
The authors conclude that "more research is needed to resolve unanswered questions and to elucidate new ways to help people cope with gender dysphoria with less permanent and drastic treatments."
"The use of puberty suppression for minors is a radical step that presumes a great deal of knowledge competence despite the ignorance in the scientific about the nature of gender identity," the authors assert.
Considering that McHugh and Mayer faced immense backlash from many in the LGBT advocacy community who tried to discredit their 2016 report because it was published in a non-peer-reviewed journal, a FAQ page released by The New Atlantis defends the authors from likely arguments that could come from political activists who try to discredit the report.
"The Human Rights Campaign, among other critics, has tried to discredit The New Atlantis by pointing out that it is not peer-reviewed. Yet HRC promoted a special 'gender resolution' issue of National Geographic — also not a peer-reviewed publication — which dealt with 'how science is helping us understand gender,'" the FAQ page reads. "We will let readers decide for themselves whether HRC and its allies are truly concerned with scientific integrity or simply looking for an excuse, no matter how feeble, to ignore medical experts who disagree with them."
McHugh has also been criticized by LGBT advocates who try to discredit his research as "anti-LGBT work."
"Dr. McHugh has on many occasions been attacked personally by activists who are unable to discredit his work but see it as a threat to their own agendas," the FAQ page states. "Nevertheless, his record as a scientist, clinician and leader in the field of psychiatry is unimpeachable, as is demonstrated by his position at the Johns Hopkins School of Medicine and his membership in the National Academy of Medicine."
Hruz, who was not an author on Mayer and McHugh's highly-read 2016 report, explained on Tuesday's call that the report "provides a background to understand what is being proposed as a safe and effective and recommended treatment and raises the concerns. There are side effects that we don't have knowledge [of] and it is not being studied in a rigorous way."
He also commented on the issue of political ideology interfering in scientific debates.
"It is very evident that there is an element of ideology superimposing itself into science that is present here. Good scientists and good physicians are accepting this without the same rigor that they would otherwise demand," he said.
"It is very clear that the ideology is driving suppression of people that recognize the difficulty that is going on here, at least among academics, that the discussion that would normally go on is being muted because of the ideology and how vocal the advocates for this particular intervention is preventing people from raising legitimate scientific and medical questions."


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Media coverage
NIPFP Chairman, Dr. Vijay Kelkar, participated in the PM's meeting with oil & gas CEOs and experts organised by NITI Aayog
October 9, 2017
Dr. Vijay Kelkar, Chairman, NIPFP participated in the session on "Accelerating oil & gas reform", in India India Energy Forum by CERAWeek, held at Taj Diplomatic Enclave, New Delhi on October 9-10, 2017. Watch event video.
Impact of the Recommendations of the 14th FC: Central Transfers and Social Sector Expenditures in the 1st Year
January 3, 2016
A newspaper report quoted NIPFP Working paper No. 183 titled "Impact of the Recommendations of the 14th FC: Central Transfers and Social Sector Expenditures in the 1st Year", to analyse the role of cooperative fiscal federalism in boosting growth. Read report.
Committee on Impact of Demonetisation on Kerala's Economy presents its report
December 29, 2016
Dr. Pinaki Chakraborty, Professor, NIPFP is member of the committee appointed by the Kerala State Planning Board on November 23, 2016, which presented its report on 'Impact of Demonetisation on Kerala's Economy'. Report
Expert review on Demonetisation
December 23, 2016
Dr. Kavita Rao briefs Standing Committee on Finance on Demonetisation. Read full Report.
Seminar on Intergovernmental Fiscal Transfers in India
December 2016
The National Institute of Public Finance and Policy, New Delhi recently organised a seminar on "Emerging Issues in State Finances Post-Fourteenth Finance Commission: Analysis of State budgets". The event was covered by the Business Standard. Read full coverage here.
NIPFP to undertake a comprehensive study on Assam state finances
November 5, 2015
The Government of Assam has approached NIPFP to conduct a study on state finances and recommend a 10-year Perspective Plan (2016 to 2026) along with structural and institutional reforms in public finance.
In this regard, a research team is on a five-day visit to Assam for pre-study consultations with the state government officials. The time frame for completion of the study is 18 months.
Read original article here.


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Alternative lending has doubled every year since 2010 in the United States, with $12 billion in originations in 2014. By the year 2020, alternative lending is expected to grow to $19 billion in consumer unsecured loans and $35 billion in business loans.
San Diego, CA (PRWEB) August 04, 2015
First Associates Loan Servicing, the leading servicer in the alternative lending industry, has launched the "Successful Alternative Lending Strategies" webinar series, which presents the leading players in alternative lending space sharing the strategies that have made them successful.
The ongoing series consists of 30-minute live, interactive webinars, each focused on winning strategies and participants in alternative lending. Future webinar topics include customer acquisition, capital raising, origination, servicing, licensing, whole loan purchases and new alternative lending platforms.
The first webinar, "Structuring Transactions for Rated and Unrated Securitizations", will take place on Tuesday, August 11, 2015 at 1:00 p.m. Eastern/10:00 a.m. Pacific Time. The speakers for this session will be Stephanie Yeh, Director, Investment Bank Division of Credit Suisse and David Johnson, CEO of First Associates Loan Servicing. The webinar series if free of charge to industry professionals, although pre-registration is required. Registration instructions can be found on the events page of the First Associates web site (http://1stassociates.com/events/).
Stricter regulations have resulted in many banks significantly cutting back on their consumer and small business/SME lending activities. This has created an opportunity for alternative lending to fill the void.
Alternative lending sources are offering borrowers the speed, simplicity and flexibility that banks do not. Leveraging financial technology allows alternative lenders to provide a wider range of loan options and faster funding than offered by traditional banks. According to a recent study, millennials are nearly five times as likely as Gen-Xers to have received funding from an alternative lender.
Alternative lending is disrupting the lending industry by leveraging financial technology to match borrowers with investors willing to fund the loans. On marketplace lending sites, borrowers tend to enjoy lower rates, faster approvals, and a more streamlined funding process than with traditional channels, such as banks. Investors have the opportunity to diversify their investments while typically earning higher returns than with banking instruments, such as certificates of deposit.
Alternative lending has doubled every year since 2010 in the United States, with $12 billion in originations in 2014. By the year 2020, alternative lending is expected to grow to $19 billion in consumer loans and $35 billion in business loans.
About First Associates Loan Servicing, LLC
Based in San Diego, First Associates Loan Servicing is the fastest growing third-party consumer loan and lease servicer in the United States. The company offers a wide range of solutions for many consumer asset classes and consistently receives industry recognition for exceeding high performance standards and providing superior levels of support. First Associates has experienced management and staff, full SSAE 16 II audit, best-in-class IT infrastructure, as well as strong institutional relationships with commercial and investment banks, finance companies, investment funds and credit unions. First Associates Loan Servicing leads the alternative lending industry in providing customized technology and customer service solutions for its partners. For more information, please visit http://www.1stassociates.com.


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Confessions: Animal Hoarding season one of new docu-reality series premieres July 2010
Dr. Samra is a featured clinical expert in a new docu-reality series called Confessions: Animal Hoarding. The show premiered in July 2010 on Animal Planet, and has been developed by the producers of the critically acclaimed A & E series Intervention.
Watch Dr. Samra in an episode trailer from Season 1 here.