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I See London, I See France (Compact Disc)
Special Order - Subject to Availability
Nineteen-year-old Sydney has the perfect summer mapped out. She's spending the next four and half weeks traveling through Europe with her childhood best friend Leela. Their plans include Eiffel Tower-selfies, eating cocco gelato, and making out with tres hot strangers. Her plans do not include Leela's cheating ex-boyfriend showing up on the flight to London, falling for the cheating ex-boyfriend's tres-hot friend, monitoring her mother's spiraling mental health via texts, or feeling like the rope in a friendship tug of war.In this hilarious and unforgettable adventure, New York Times bestselling author Sarah Mlynowski tells the story of a girl learning to navigate secret romances, thorny relationships, and the London Tube. As Sydney zigzags through Amsterdam, Switzerland, Italy and France, she must learn when to hold on, when to keep moving, and when to jump into the Riviera...wearing only her polka dot underpants.


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Born in former communist ruled Czechoslovakia and raised in "West" Germany, from a young age Marian was enthralled with nature and the inherent order of the Universe. This fascination resulted in his growing desire to express beauty and harmony through light and sound.
In 1990 he embarked on finding out "what makes him tick and what does not make him tick" and to increasingly "live life on life's terms" rather than his own, one day at a time. As a result, after spending a 20 year career in international sales and marketing with a large German based industrial conglomerate, he began a new life segment as a professional architectural and fine art photographer in 1999. Being a long time hand drummer, he expanded his creative repertoire by expressing images also through the powerful vehicle of sound in 2011.
While maneuvering through the integration of three very different countries and cultures, Marian possesses a heightened sensitivity, appreciation and awareness to the process of inner growth and transformation. As a student and practitioner of metaphysics for over thirty five years, he presents gong bath meditation, meditative and transformative sound excursions that are driven by his innate rhythmic hand drum abilities and an inimitable keen sense of visual and intuitive perception.
He served on the advisory board of the Harmonic Therapy Association, is an associate member of the HTA and the Sound Healers Association, and is a licensed PSYCH-K® facilitator. He received his Gong Master certification under the guidance of legendary Don Conreaux, and has also studied with senior instructor, lecturer and teacher Mitch Nur, PhD of 9waysacademia, who has spent well over 40 years as a Sacred Sound Practitioner and Teacher and is one of the foremost authorities on Sacred Sound instruments and applications as they pertain to ritual, shamanic healing, meditation, ceremony, and personal transformation. Marian is currently undertaking a long distance curriculum with the Nada Centre for Music Therapy in New Delhi, India.

subset: commoncrawl


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Jim Dixon The Electrician have received 44 customer reviews.
john farragher 12th March 2018
"Jim installed a number of lights at my flat The work was top class. He documented everything and ensured the place was left spotless I had to wait 6 weeks for him but, in my opinion, this is how you know you're getting a good trades-person Will 100% use again John."
The reviewer found this trader while searching on TrustATrader.com
Warren Gepp 14th August 2017
"Jim has carried out electrical jobs on 2 occasions for us now and on each visit I have found Jim to be nothing short of superb. He is punctual and courteous, a true professional. His work is of a very high standard, from the outset you can see Jim will accept nothing less than perfection. I would not hesitate to recommend Jim to anyone. I cannot fault a single aspect of his work. Many thanks."
The reviewer found this trader while searching on TrustATrader.com
judy knight 4th July 2017
"We have used Jim for all our domestic electrical work since finding him on Trust a Trader. He is reliable and thorough and a genuinely lovely man."
The reviewer found this trader while searching on TrustATrader.com
John lever 28th April 2017
"Jim has just installed an inline extractor fan in our loft for the bathroom, very professional, explained all work to be carried out before he started the job,also updated during the work and advised changes which saved us money due to an rcd not being required. Pleased with the work carried out and would definitely recommend."
The reviewer found this trader while searching on TrustATrader.com
Cecilia Dennaford 3rd April 2017
"Once again it has been a pleasure to have Jim Dixon in our home for 5 days. His work as always is meticulous. In fact, it would be fair to say that the man is an absolute perfectionist. He installed downlighters in a very difficult situation in my kitchen, despite having to content with a difficult joist situation the alignment was perfect. He also installed numerous double sockets to change from singles. You would not have known he'd been there. Jim is certainly someone you do not want to miss out on. If there is a safe way of you getting anything you thought may be impossible Jim is your man. I will leave you with this thought. How many Tradesmen have you encountered or had in your home who will say to you, why do you need this here. Think about it as he asked me this question and I did not really need it. Therefore, reducing your cost and his!"


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College Counseling
The RPS College Counseling Team is pleased to partner with students and families in one of the most exciting times in a young person's life. Rutgers Prep counselors advise and assist students in identifying colleges that match their potential, and creating applications that showcase their strengths.
Beginning with educational programming for students and families in the 7th grade, our highly individualized approach encourages students to be thoughtfully engaged in the college search process as they make choices that fit their passions. We are dedicated to staying current with the latest trends in an ever-changing admissions landscape. We maintain close relationships with colleges; each year we travel across the country, networking with college and university admission officers and reminding them of all that our amazing RPS students can bring to their campuses. Last year, more than 130 college representatives met with both interested students and a member of our team here at Rutgers Prep!
100% of our graduates go on to attend four-year college, and their choices are reflective of their strong preparation. We believe that the college process is an opportunity for our students to identify their interests, define their goals, and shine.
Meet the Team
Team Overview
Welcome from the College Counseling Team at Rutgers Prep! We have the best jobs on campus, because we get to partner with students and their families at such an exciting point in their life.
We have more than 25 years experience in the field of selective higher education admissions, at such diverse institutions as The University of Pennsylvania, The College of New Jersey, Seton Hall University, Bucknell University and Stevens Institute of Technology.
We are proud to have been selected to present at both the National Association of Independent Schools (NAIS) and National Association for College Admission Counseling (NACAC) annual conferences.
Sherry M. Riggi
Co-Director of College Counseling
Member of 3 college advisory boards, coordinator of professional workshops, mom of twins = master multi-tasker
"A++++ Thank you Ms. Riggi for your help and support these past two years. Ms. Riggi's first meetings with my son helped to dispel his anxiety and helped to create a plan on starting the search process. With Ms. Riggi's guidance, Michael was able to assess schools and be able to decide if the majors offered at each filled his needs and wants. The deeper he got into the process, the more excited and independent he became. Ms. Riggi was the perfect balance of encouraging and prompting without ever taking over the process. She expected my son to discover the right fit for himself, supported him throughout the application process and cheered along with him when he was accepted to his #1 choice!"
~Parent of a recent graduate
Shelley Krause
Co-Director of College Counseling
RPS Tweet-whisperer, haiku aficionada
"Available," "approachable," and "creative" are the words I use to describe Ms. Krause. Available: last minute appointments, emails, and availability, even in the summer... Approachable: her sense of humor and caring personality created a comfort level... Creative: coming up with multiple scenarios for the process. And the final college selections were perfect fits; I could not be happier with how my children's college search journeys played out! My children were knowledgeable about their schools, well prepared by RPS, and ready to contribute to their new educational settings. Thank you, Ms. Krause, for your guidance with this very important life decision!
~Parent of recent graduates
Jill Cooper
Associate Director of College Counseling
AP psychology teacher, travel blogger, and Disney planning guru
"Dr. Cooper by far exceeded our expectations. She provided us all with the support we needed to help make this process less stressful. She was extremely patient and always available to answer questions, guide us through difficult decisions, and to just talk when we needed to. We felt she was as committed to this process as we were and that she genuinely cared about the outcome and what was best for Joe. We could not have asked for a better college counseling experience!"
~ Parent of a recent graduate
David Wise
AP Statistics teacher, cross country coach, ultramarathoner = runs 50+ miles at a time... for fun
"We appreciated Mr. Wise's help in general. However, his help was most useful when it came to helping out with essay questions. The input was invaluable to our daughter and us. He was able to stress the importance of meeting the deadlines effectively. Also, Mr. Wise was key to the actual selection process as he provided an objective opinion to help with the selection process."
~ Parent of a recent graduate
Rosa Irizarry
College Counseling Program Assistant
Making sure that nothing falls through the cracks since 1999.
She helps to coordinate college representative visits, processes applications for seniors, and handles transcript requests from alumni. Mrs. Irizarry is always there to provide a ready smile and supportive word.
Counseling Timeline
Middle School
Students and Parents will be invited to an evening where they will hear from an Upper School College Counselor and a panel of professionals from college admissions and student life. The focus of the panel will include areas students can be focusing on now to get the most out of middle school and prepare for high school as well as learn how course selection and extracurricular activities play a role in the college process.
9th & 10th Grade
Although Upper School students won't enter into the formal portion of our college counseling curriculum until their junior year, we know that students and families may have college-related questions well before that. As a veteran of the College Counseling department and a former admissions officer at a highly selective university, Dr. Cooper is uniquely well-qualified to offer advice and insight as well as address any questions that underclassmen and/or their parents may have. Prior to the all-class "college kickoff" meeting junior year, Upper School students and their parents who have questions about summer opportunities, future course selections, and/or strategic approaches to standardized testing are encouraged to reach out to Dr. Cooper to schedule an appointment. In addition, college admissions planning events and programs will be announced throughout the school year.
Dr. Cooper's approach is to provide information while encouraging students to remain engaged and active in their high school experience. Participating in a new club, sport or community service opportunity are just a few examples of how students can develop new skills and grow as a leader within our community.
11th Grade
Beginning in mid-March of their junior year, all Rutgers Prep students are assigned to a section of Junior Seminar, a course which is specifically designed to support them as they engage with the college search process. The curriculum includes information that will help students get the most out of a college visit, design an impressive college résumé and learn the best way to choose teachers to approach about writing letters of recommendation in the fall. Students also receive their "point person" assignments in college counseling, develop preliminary college lists, and begin learning about the application process. In general, this is a time for juniors to reflect on their goals, touch base with friends and family, and think about who they are and why they want to go to college.
In general:
- Speak with current seniors about their plans.
- Think about who you are and why you want to go to college.
- Take the PSAT.
- Receive results of the PSAT shortly before winter break.
January – March (includes College Kickoff in early February!)
- If planning to take the ACT on Feb. 11, register by Jan. 13.If planning to take the SAT on March 11, register by Feb. 10.
- If planning to take the ACT on April 8, register by March 3.
- Explore summer opportunities. See Dr. Cooper and/or the RPS college counseling website for materials and suggestions.
- After completing student and parent questionnaires, meet with your college counselor to discuss goals and to establish draft list of colleges to investigate.
- Discuss senior schedule with your advisor and/or a member of the college counseling staff.
- If at all possible, visit some colleges during Spring Break. Keep a journal of your impressions, ask questions, and take pictures.
- Students, meet your college counselor for a mock interview; this gives you practice, and offers your college counselor an opportunity to gather information for your recommendation letter.
- Attend Junior Seminar. Keep up with homework and ask good questions.
- SAT is on March 11; ACT is on February 11 and April 8.
- If planning to take the SAT or SAT Subject Tests on May 6, register by April 7th.
- IAttend regional College Fairs
- If planning to take the SAT or SAT Subject Tests on June 3, register by May 9. If planning to take ACT on June 10, register by May 5.
- SAT/SAT Subject test date is May 6.
- Advanced Placement Exams are in the first half of May.
- Develop a list of colleges to visit during summer. Sign up online to request information. Set up visits and schedule interviews.
- Ask two teachers to sign the form which commits them to supporting your college applications by writing letters of recommendations.
- SAT/SAT Subject test date is June 3; ACT is June 10.
- V I S I T C O L L E G E S ! ! Update journal, compare colleges, discuss your reactions and opinions with family and trusted friends.
- Narrow list to about 10 colleges. Be sure to include a range of selectivity.
- Plan to draft application essays; the Common App goes "live" over the summer; create an account and begin working on your first applications.
- Plan fall visits (campus interviews, events, tours) & your testing schedule, e.g. register by July 28 if planning to take August 26 SAT.
- Sign up for email lists & campus visits if you have not already done so.
- End-of-summer SAT is on August 26th.
- Watch for announcements re: summer essay workshops
12th Grade
Through the first semester of their senior year, students continue to meet in groups as their Senior Seminar course gives them scheduled opportunities to focus on essay writing, gather information on completing applications, and receive assistance in preparing for college interviews. Students also receive individual feedback on drafts of their essays and are encouraged to participate in a mock interview in anticipation of the college interviews to come.
In the spring of the senior year, students will meet for several seminars to address the issues related to leaving home and establishing independence as they begin a "new life" in college. Outside professionally trained speakers come to campus to address potential "pitfalls" that students will face in their residence halls and around campus.
- Sign up for email lists and & campus visits if you have not already done so.
- Attend the Senior Retreat and Senior Seminar.
- Meet with college representatives who visit RPS. (A full list of scheduled visits will be accessible via the Family Connection site.)
- Meet with your college counselor to finalize your college list.
- Begin writing application essays if you haven't already done so.
- No Sept. SAT; ACT exam is Sept. 9. Register by Sept. 8 for Oct. 7 SAT.
- Review transcript for accuracy; see "Mrs. I" to approve information or request additions or corrections.
- Confirm with the teachers you spoke with in May that they will write your recommendations; provide them with your first application deadline.
- If planning to take SAT's on November 4, register by Oct 6. (Nov. is typically the last acceptable test date for ED/EA applications.)
- Begin to activate applications to colleges with rolling admissions.
- All applications with a college deadline of Oct 15 must be activated with a member of the college counseling staff no later than October 2nd.
- The fall SAT test date is October 7; ACT is offered Sept. 9 and Oct. 28.
- All applications with a college deadline of November 1 must be activated with a member of the college counseling staff no later than October 16.
- If planning to take an SAT on Nov. 4 or Dec. 2, register in October.
- All applications with a college deadline of November 15 must be activated with a member of the college counseling staff no later than November 1.
- Complete the Free Application for Federal Student Aid (FAFSA) and CSS Profile (if required) if planning to apply for financial aid. International students should check their colleges' websites for Certification of Finances forms applicable to them.
- Review final list of colleges with your college counselor.
- The November SAT I/SAT Subject Test date is November 4.
- Applications with a deadline of December 1 must be submitted to a member of the college counseling staff no later than November 15.
- Applications with a deadline of December 15 must be activated in the Upper School Office no later than December 1.
- Applications with a deadline anytime in January must be activated in the Upper School Office no later than December 1.
- The SAT I/SAT Subject Test date is Dec. 2; the ACT test date is Dec. 9.
- We strongly encourage students to complete all applications before the winter break in order to avoid a conflict with exams in January.
- Applications with a deadline of February 1 must be activated with a member of the college counseling staff by Friday, January 12. All remaining applications must also be activated at this time.
- There will be no SAT I/SAT II offered in January of 2018.
- REMINDER: Seniors' mid-year grades are sent by the College Counseling Office to all colleges to which each student has applied.
- Colleges will notify students of their decisions.
- Students may want to visit schools where they've been accepted.
- Make a final college choice. Inform only one college that you plan to attend. Send your regrets to the rest. In general, students should plan to notify colleges of their decision no later than May 1.
- Advanced Placement Exams take place in early May.
Events and Reminders
Sat Oct 21
ACT Bootcamp Sign-in
Upper School
9:00 am
Sun, Oct 22
ACT Bootcamp Sign-in
Upper School
9:00 am
Wed. Oct. 25
"Getting from where you are to where you want to be" (for sophomores & their parents)
Dining Commons
7:00 pm
Wed. Feb 7
College Kick-Off
Dining Commons
7:00 pm
Wed. Feb 28
Lower Gym
8:00 am
Wed, March 7
The Road Map: from interests to college
9th grade parents and students
Dining Commons
7:00 pm
Wed, April 4
Athletic College Night
Music-Choir Room
7:00 pm
Thurs, April 12
Lower Gym
8:00 am
Activation Deadlines
Class of 2019 College Application Activation Deadlines
Please use the following guidelines for activation deadlines as they relate to college application deadlines:
If the college's application deadline is Oct. 15 it must be activated by Oct. 2
If the college's application deadline is Nov. 1 it must be activated by Oct. 16
If the college's application deadline is Nov. 15 it must be activated by Nov. 1
If the college's application deadline is Dec. 1 it must be activated by Nov. 15
If the college's application deadline is Dec. 15 it must be activated by Dec. 4
*ACTIVATION is the term we use at RPS for the process by which students formally inform the College Counseling Team that you have completed and submitted your part of an application (or applications), so that we can start working on sending the transcript, teacher recommendations, and school letter of support. Your part comes first, and should be reviewed by your point person in College Counseling before you hit "submit"!
EARLIER IS BETTER. If you can complete and activate an application before the required deadline, do so! Submitting your materials early gives your teachers more time to polish their recommendations, and also gives the counseling staff more time to review your work for errors and finish their letter of recommendation. Submitting materials early also helps give college admissions officers with the impression that you are focused and "on the ball."
TESTING IS YOUR RESPONSIBILITY. RPS does NOT report standardized test scores to colleges/ universities. Colleges will only accept scores that come directly from the testing agencies, so please make sure to send your scores via the College Board and/or ACT.
ALSO, PLEASE NOTE: We strongly recommend that EVERY student apply to at least one school that offers an "early action" admissions option or releases its application decisions on a "rolling" basis. There are many schools that will fulfill this requirement… students, please see your counselor if you need some help brainstorming!
College Counseling Forms
College Search
- Family Connection
- CollegeBoard's "Big Future" program
- National Center on Educational Statistics' "Navigator" program
- College Campus Virtual Tours
- NACAC's national college fairs
- Regional College Open Houses
- Online college fairs, webinars, and live chat sessions on topics relevant to the college search
- Hobson's college search, including some information on financial aid and scholarships
- Profiles of private colleges
- Colleges That Change Lives
- Reviews and videos from current college students
- Zinch's multi-source search engine
- SAT test registration
- ACT test registration
- TOEFL (test of English as a foreign language) testing
- Khan Academy (online) SAT prep
- Free online test prep
- Information on testing-optional schools
- Wake Forest's admissions director talks about their decision to go test-optional
Financial Aid and Scholarships
- FAFSA on the Web
- FAFSA help
- CSS Profile
- Paying for College; A financial Aid Presentation by Rutgers Prep
- Raise.Me (create a free student profile and qualify automatically for micro-scholarships)
- College Affordability Guide
- Financial Aid Toolkit
- College Scorecard
- Finaid.org (Information on sources of aid, financial aid calculator, scholarship scam warnings)
- Financial Aid News
- One of the most comprehensive databases of scholarship information
- Information about available merit-based awards
- Project on Student Debt
- Student loan comparison tool
- Explanation of financial aid awards using real award letters as samples
- www.bls.gov/ooh
Occupational Handbook (for hundreds of types of jobs, the handbook tells you: the training and education needed, expected earnings, expected job prospects, what workers do on the job, and working conditions
- https://www.careeronestop.org
Projections about demand across various fields; US Dept. of Labor site
- www.njnextstop.org
Njnextstop.org tells you what skills you will need to be in-demand in New Jersey industries, including health care, finance, construction, utilities, manufacturing, tourism, transportation and information technology
- mymajors.com
Provides a short free quiz to help students focus on a possible major or majors
Colleges: Schedule a Visit
Admissions officers, please sign up for a RepVisits account, search for Rutgers Prep, and schedule your visit at a time that works for you!


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A collective sigh must have fallen across weathered European collateralized loan obligation (CLO) managers when news emerged about H.J. Heinz Co.'s decision to forgo selling a European portion of its $12 billion LBO financing in mid-March.
The financing to support the U.S. ketchup company's $28 billion buyout by Warren Buffet's Berkshire Hathaway and 3G Capital was originally slated to include $12 billion in mostly term debt, including up to $1.4 billion in euros and $600 million in sterling. Managers of the three European CLOs completed so far this year as well as those prepping offerings currently in the pipeline were likely eyeing the loan hungrily.
At the last minute, however, greater demand on the other side of the Atlantic prompted bankers to sell all of the Ba2/BB-rated financing package in dollars.
After a five-year hiatus, the European CLO market has revived, as deal economics have improved, and three leveraged-loan CLOs have priced so far this year, for a total of approximately $1 billion.
A fourth CLO from the Carlyle Group is currently in the market, and a reported seven or eight more are in the pipeline. J.P. Morgan forecasts $3 billion and perhaps as much as $4 billion in new European CLO volume by year-end. Cairn Capital closed the first CLO since the financial crisis in late March, and Apollo Asset Management and Pramerica priced deals in April.
Even if J.P. Morgan's forecast is doubled, that's still a drop in the bucket, considering that nearly $29 billion in CLOs were issued in the U.S. alone through mid-April. Even so, there remain nagging concerns about whether the European CLO market may be jumping ahead of itself, given the paltry origination of leveraged loans in Europe and lenders' unwillingness to sell those already on their books.
New regulations and evolving market dynamics are also likely to effect whether the European CLO market sputters out, yet again. However, the shortage of leveraged loans is clearly the primary issue, pushing managers to consider fundamentally changing the CLO structure by including greater allocations to alternative assets such as fixed-income and loans denominated in non-euro currencies. Such changes would give managers a greater selection of potentially high quality assets to choose from, but they may unnerve investors.
"The looser the criteria, the less comfortable we are giving money to the manager," said Herman Slooijer, head of European credit at APG Asset Management, the investment arm of the Dutch pension fund provider that manages €330 billion in assets. He added that most CLOs buy more than half their full allotment of loans after deals are inked, and investors must rely on managers' discretion to choose those credits, as long as portfolio eligibility criteria and portfolio quality tests are being met, rather than their own credit analysis.
Europe's Institutional Loan Parsimony
The U.S. dollar denominated institutional leveraged loan market, reaching $632 billion in 2012 according to Credit Suisse, is more mature and much larger than Europe's, which relied heavily on CLOs for liquidity in the years before the financial crisis. Without those CLOs, the leveraged loan market there has shriveled, and borrowers have instead turned to the bond market. At the end of 2008, the institutional term loan market in Europe reached €230 billion outstanding and the high-yield bond market was a mere €80 billion; at the end of 2012, the bond market had grown to €300 billion and the loan market was just under €150 billion.
S&P Capital IQ's LCD recorded fewer than nine senior leveraged loans issued monthly, on average, in Europe last year, and while the number of deals in January jumped to 18, February and March each recorded 10. Considering that a European CLO is viewed as sufficiently diverse when it pools 60 to 80 loans, unless leveraged loan volume increases CLO managers will continue to scramble for assets.
"It would certainly take many months for a CLO to ramp up completely on 'brand new' assets," said Rishad Ahluwalia, head of global CLO research at J.P. Morgan, adding, "Hence, 25%, 50% or even more of the portfolio would have to come from the secondary loan market, other portfolios, or existing CLO holdings."
So far, however, finding those existing assets has also been challenging. With the disappearance of the European CLO market after 2008, APG has instead become a direct lender. Slooijer said leveraged loan prices rarely rise much above par, even if the coupon level suggests they should, because borrowers can call them at any time and lenders would end up taking a loss.
Lenders might be more apt to sell the loans if prices rose above par, but instead they tend to hold on to them. "Loans are typically much stickier; if you have a loan, you stay on it," Slooijer said, adding, "It's difficult to buy paper because nobody wants to sell it to you."
Banks Holding Out for Higher Prices
Plus, banks often prefer to hold impaired loans to maturity than sell them and take a big a haircut. A bank may hypothetically be holding a distressed loan at par on its books, but its actual value has dropped to 80 cents on the dollar. The bank may be willing to take a haircut at 90 cents, but until there's sufficient demand to push up the price to that level, it will hold on to the loan.
"If spreads in the [loan] market tighten, and 80 becomes closer to 90, then the bond may come out," Slooijer said. "It's a chicken or egg situation."
In terms of new leveraged loans, Ahluwalia noted that, unlike in the U.S., where leveraged lending is often used as a corporate financing tool, in Europe leveraged loans have typically supported M&A, LBOs and similar one-off transactions. Consequently, he sees the chicken-or-egg causality conundrum extending more broadly, requiring growth in CLOs and the liquidity they provide in order for leveraged lending to increase and support those deals, even while CLO managers need new loans to grow.
So far there's little change in sight to resolve that conundrum and open the leveraged loan spigot. John Brynjolfsson, who oversees investment activity at Armored Wolf, an investment manager that provides advisory services to mutual funds and hedge funds, said the flow of loans may be muted for awhile. He said the Eurozone is built on a structure of cooperation that doesn't have strong political backing from local populations in either the core or periphery countries, and the resulting tension has created "a hostile environment for capital" flowing into Europe that could spur more leveraged lending.
In addition, he said, wages in the periphery countries have caught up to more expensive core countries such as Germany, but productivity to support that increasing cost structure has not. "Nobody wants to make adjustments, either to reduce wages or devalue currencies, and as a result there's very high unemployment or stagnation," further damping corporate borrowing, Brynjolfsson said.
Changing Market Dynamics and the Virtuous Cycle
Although Europe's politics and economy present a less-than-rosy picture, given today's historically low interest rates, more CLOs may be in the wings, if only the financing becomes available. No one seems to think there will be a vibrant leveraged loan market anytime soon. However, European Central Bank (ECB) President Mario Draghi's speech last July, in which he vowed that the ECB would support the euro, has resulted in a more risk-friendly environment, said Clayton Perry, chief operating officer of Avoca Capital, a CLO manager since 2002. Perry added that tightening spreads on leveraged loans in the U.S. over the last 15 months have made returns on dollar-denominated CLOs less attractive, while spreads on securities issued by European CLOs have tightened, reducing their liability costs and improving returns.
"The economics available to the investors in European CLO equity have improved relative to those in the U.S., so there's a healthy number of U.S. investors looking to get involved," said Perry, noting the U.S. pension fund that purchased the equity portion of Cairn Capital's Cairn CLO III offering, the first European CLO since the crisis.
Perry declined to say whether Avoca is currently working on a CLO.
Tightening CLO spreads may spark investor interest in higher-rated tranches of these deals. The 40% credit enhancement and relatively short maturities of the new CLO structures, dubbed CLO 2.0 for U.S. offerings and as well as for similarly structured European ones, are additionally attractive features.
"From a technical view of the AAA-rated tranches, you may be able to argue there's going to be more demand, and that could be an interesting space to be positioned in," said Chris Kruthoffer, senior portfolio manager and structured finance manager at APG.
There is hope that successful new CLOs will feed a virtuous cycle, spurring demand for loans that encourages banks to originate more new loans and sell existing ones.
"In our talks with managers, they've said that if the first three or four deals successfully close, that could spur significant issuance by year-end," said Matthew Jones, senior analyst for structured credit, Standard & Poor's.
Similar hopes, however, were dashed only a few years ago. Leveraged loan spreads began tightening in 2011 and banks underwrote a number of new loans, but an upset in the macro environment reversed the trend, and banks took a beating.
"Banks' appetite to underwrite new loans dried up and pushed people further into the bond market," said an investment banker who declined attribution.
Even if origination of new loans fails to increase significantly, Ahluwalia said, there should be enough collateral available from the secondary market or other loan funds to support the volume he foresees. In addition, he said, existing CLOs are exiting their reinvestment periods—J.P. Morgan estimates 80% of CLOs this year and 95% by the end of 2014—and that will lessen demand for leveraged loans and widen their spreads.
"This helps the new issue CLO market, because it will make new loans more economical in terms of spreads for new CLOs that now have wider funding costs," Ahluwalia said.
New Types of Assets
Another solution to the European CLO dilemma may be to broaden the types of assets that can be included in CLOs. Most pre-crisis European CLOs have buckets of 10% or less for fixed-income assets, assuaging the rating agencies' concerns about basis risk when matching assets and liabilities. By contrast, the recently priced CLO from Pramerica, the European affiliate of Prudential Financial, can allocate up to 40% of its assets to high-yield fixed-income.
Jonathan Butler, head of the European leveraged finance team at Pramerica, said his firm has identified upward of 50 "liquid, clean loans with attractive yields that we like in Europe," even though the firm is tracking more than 250, many of which it already owns in CLO portfolios it has acquired over the last several years.
"If you believe you should have 60 to 80 names in a European CLO, then you're obviously caught short," Butler said.
Pramerica's solution is to allocate up to four times the volume of fixed-income typically found in existing CLOs. Another solution may be to permit assets denominated in other currencies, such as British sterling. No deals priced this year have allocated non-euro assets yet, but the issue was addressed at an Information Management Network conference in early April, where concerns raised about the high cost of swap currency conversions were countered by greater selection of sterling loans that CLO managers could choose from.
Credit Enhancement Stronger Than Legacy Deals
The market for new-issue European CLOs literally disappeared in the wake of the financial crisis, and the first batch of 2.0 offerings has been fortified with stronger credit enhancement and other risk-adverse features. Nevertheless, the 1.0 generation of CLOs has performed as anticipated, through thick and thin.
Ian Perrin, a senior credit officer at Moody's Investors Service, noted that there have been downgrades but was unaware of any European CLOs that actually experienced losses at the AAA level, although there have been bumps, as one would expect. For example, higher quality loans may have been prepaid or refinanced in some CLOs, he said, and so they now hold fewer better rated names, putting pressure on the bottom of the capital structure. However, he said, the vast majority of existing CLOs will soon be amortizing, resulting in a deleveraging of the overall transaction and consequently senior-note upgrades.
Investors in subordinated tranches may have seen their cash flow diverted for a period to support higher rated tranches, but long-term equity value in traditional cashflow CLOs has remained intact, said Dagmar Kent-Kershaw, head of credit fund management at Intermediate Capital Group, which launched the first European CLO in 1999 and currently manages 13 billion euros in assets. "There are very few European cashflow CLOs where equity investors have crystallized losses to date on a buy-and-hold basis," she said.
In fact, the dearth of European CLOs in recent years appears to have been something of an overreaction, perhaps because the deals were associated with highly problematic securitizations, such as the residential mortgage-backed securities issued in the U.S., and because of economic and financial uncertainties. "One of the things that slowed down recovery in this market is a lot of potential investors were worried about what would happen with the Eurozone, and they still want to see limited exposures to Southern countries," Perrin said.
Risk Retention: Friend or Foe?
New European risk-retention rules may present an obstacle for some CLO managers, especially the lightly capitalized ones, because they must retain a material net exposure to the transaction of not less than 5% or find a third-party subordinated investor to fill that role.
The rule's intent is to align equity investors' interests with those of note holders. Slooijer at APG, which in 2007 had CLO investments tilting toward senior tranches that totaled 10% of the pension fund's total European ABS exposure, said the pension fund now sees more value in lending directly, though it could find highly rated CLO tranches interesting.
He added, however, that the fund has hesitated because of the "buy-to-distribute" nature of the CLO market prior to the crisis. Although APG approves of the new risk retention rules' general thrust, Slooijer said, it has concerns about managers selling their "skin in the game" to third parties.
James Warbey, a partner at Milbank, Tweed, Hadley & McCloy, which advised on two of the first three European CLOs, said that a third-party equity investor can be compliant with risk retention rules' Article 122a, which requires that a party with an alignment of interest hold a 5% net economic interest, but does not require that party to be the CLO manager.
CLO managers are incentivized to manage a deal's assets properly if they want to stay in the business, but many European managers left the business when their assets hit hard times and had to be sold to stronger players. For APG, the notion of third-party risk retainers resembles the buy-to-distribute model, when managers buy the assets to distribute them to investors but may not monitor their performance as if they still held the risk.
"That may be the biggest problem we have with CLOs," Slooijer said. "We think it's bending the rules."


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The whiskey-drinking and jazz-loving vicar Sidney Chambers (James Norton) returns alongside his friend and veteran cop Inspector Geordie Keating (Robson Green) for a second season of crime solving in the small country parish of Grantchester. Based on the popular Sidney Chambers mystery novels by James Runcie.
DVD, 360 minutes on 2 Discs
Blu-ray Disc, 360 minutes on 2 Discs


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It has been one day since celebrity sisters Kendall and Kylie unveiled a collection of "vintage" t-shirts that featured selfies of the two superimposed over iconic designs for musicians like the Notorious B.I.G. and Metallica.
An immediate media backlash occurred when these shirts were released, including a threatened lawsuit from Biggie's mother Violetta Wallace.
They also received a cease and desist notice from The Doors, and a public admonition from Sharon Osbourne.
The Jenners immediately cleaned out their social media feeds of the designs and issued out long apologies for the collection.
"These designs were not well thought out and we deeply apologize to anyone that has been upset and/or offended, especially to the families of the artists. We are huge fans of their music and it was not our intention to disrespect these cultural icons in [sic] anyway. The tee shirts have been pulled from retail and all images have been removed. We will use this as an opportunity to learn from these mistakes and again, we are very sorry."
The internet was split between two reactions, some were supportive and applauded the reality stars for taking reparative action and others were angry about the collection being released in the first place.
The sisters seemed to have learned their lesson, and continue to learn from their ongoing missteps.
Kendall Jenner Under Fire For Her Vogue India Cove


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text: Chapter 19: Locomotion: The Aquatic Environment View Full Chapter Figures Only Tables Only Videos Only Print Share Email Twitter Facebook Linkedin Reddit Get Citation Citation AMA Citation Locomotion: The Aquatic Environment. In: Hamilton N, Weimar W, Luttgens K. Hamilton N, Weimar W, Luttgens K Eds. Nancy Hamilton, et al.eds. Kinesiology: Scientific Basis of Human Motion, Twelfth Edition New York, NY: McGraw-Hill; 2011. http://accessphysiotherapy.mhmedical.com/content.aspx?bookid=965§ionid=53599861. Accessed August 21, 2018. MLA Citation . "Locomotion: The Aquatic Environment." Kinesiology: Scientific Basis of Human Motion, Twelfth Edition Hamilton N, Weimar W, Luttgens K. Hamilton N, Weimar W, Luttgens K Eds. Nancy Hamilton, et al. New York, NY: McGraw-Hill, 2011, http://accessphysiotherapy.mhmedical.com/content.aspx?bookid=965§ionid=53599861. Download citation file: RIS (Zotero) EndNote BibTex Medlars ProCite RefWorks Reference Manager Mendeley © Copyright Tools Search Book Top Return Clip Autosuggest Results ++ Outline ++ Aquatic Locomotion: Swimming Swimming Speed Mechanical Principles Applied to Swimming Analysis of the Sprint Crawl Aquatic Locomotion: Rowing, Canoeing, and Kayaking Rowing Canoeing Kayaking Laboratory Experiences ++ Objectives ++ At the conclusion of this chapter, the student should be able to: ++ Name those factors that contribute to the propulsion of a swimmer. Name those factors that impede the progress of a swimmer. Explain how the propulsive and resistive factors named affect the length or frequency of a swimming stroke. Complete a kinesiological analysis of a swimming stroke by identifying the anatomical and mechanical factors important to success in the selected stroke, as well as those factors that appear to limit the particular performance. ++ Aquatic Locomotion: Swimming ++ The problem of moving the body through water is fundamentally not so different from that of moving it on land. As in walking, it is necessary to push against something to move the body from one place to another. The chief differences between locomotion in the water and locomotion on land are that (1) in the water the body is concerned with buoyancy rather than with the force of gravity, (2) the substance against which it pushes affords less resistance to the push, (3) the medium through which it moves affords more resistance to the body, and (4) as a means of getting the greatest benefit from the buoyancy and of reducing the resistance afforded by the water, it is customary to maintain a horizontal, rather than a vertical, position. (Review the discussion of buoyancy.) The practical problem in swimming is not to keep from sinking, as novices are inclined to believe, but to get the mouth out of the water at rhythmic intervals in order to permit regular breathing. This is a matter of coordination, not buoyancy. ++ In swimming, as in all motion, the initial mechanical problem is to overcome the inertia of the body. Once the body is in motion, the problem is to overcome the forces that tend to hinder it. In terrestrial locomotion the body exerts its force against the supporting surface, the ground, to overcome inertia. The forces resisting the progress of the body are the forces of gravity and air resistance. In aquatic locomotion the water is both the supporting medium and the source of resistance. In swimming the hands and feet depend on the reaction force of the water in order that the force may be transmitted to the body. At the same time, the body must overcome the resistance afforded by the water. ++ Swimming Speed ++ The speed obtained in swimming any stroke depends on the stroke length and stroke frequency. The length of the stroke is the result of the forces that move the swimmer forward in reaction to the movements of the arms and legs, and of the resistance of the ... GET ACCESS TO THIS RESOURCE Sign In Username or Email Please enter User Name Password Please enter Password Forgot Username? Forgot Password? Sign in via OpenAthens Sign in via Shibboleth Get Free Access Through Your Institution Contact your institution's library to ask if they subscribe to McGraw-Hill Medical Products. What is MyAccess? Create a FREE MyAccess profile to: Use this site remotely Bookmark your favorite content Track your self-assessment progress and more! GET ACCESS TO THIS RESOURCE Subscription Options Pay Per View Timed Access to all of AccessPhysiotherapy 24 Hour $34.95 (USD) Buy Now 48 Hour $54.95 (USD) Buy Now Best Value AccessPhysiotherapy Full Site: One-Year Individual Subscription $595 USD Buy Now View All Subscription Options


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Mundell-Huang Lectures series was set up in 2001 jointly by the School of Finance and the China Financial Policy Research Center (FRC), which is the principal base for humanities and social science research of China Ministry of Education.
Robert A. Mundell and Da Huang have both won high prestige in both domestic and international academic fields for their achievements in the study of economics and finance. Robert A. Mundell is a professor at Columbia University, Honorary Doctor of Renmin University of China. He was awarded the Nobel Prize in economic science for his analysis of monetary and fiscal policy under different exchange rate system and his analysis of optimum currency areas. Da Huang is a well-known Chinese financial economist. He is now a professor in Renmin University of China, Honorary Director of FRC and Honorary Chairman of China Society for Finance and Banking. He is one of the founders in modern financial research and education in China.
To set up a bridge of academic communication between China and the rest of the world, the Lecture invites famous economists worldwide to present their cutting-edge research.
Speaker:Professor Ping Xie
speaker:Professor Guogang Wang
speaker:Shouyang Wang
Speaker:Dr.Xu Lixin
Speaker: Mary Beth Walker
Speaker: Harry Eugene Stanley
Speaker: Robin W. Boadway


text:
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The 30-year bond last rose 5/32 in price to yield 2.8107 percent, from 2.818 percent late on Wednesday. I sucked anyways," Biles told me. Her natural athleticism was obvious from the beginning, but the sport calls for gymnasts to be both thoroughbred and jockey, and Biles had not yet figured out how to rein in her power. Aliás, a formula rejuvenescedora não faz mal ao organismo por ser de apoio 100% oriundo.
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Ofsted Report
To view our latest Ofsted reports, please follow the links below.
We are very proud to have been awarded OUTSTANDING by Ofsted in January 2015.
Ofsted Inspection Report 2015
Pre-Academy Conversion
School Data Dashboard
This gives details of attainment and attendance in all schools and, while it is specifically aimed at school governors, it will also be of interest to parents. Entries for our school are confirmation of our achievement in both Key Stages over the last three years.
- dashboard.ofsted.gov.uk/dash.php?urn=139545 - 2011 - 2013
There are currently no documents under this category.


text:
- Activities
MAPS is a collective effort proposing new ways and approaches of storytelling to address the world's changing environment and societies.MORE
- Works
- Cultural
- Education
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MAPS brings together various dedicated professionals who want to start a new adventure and learn from each other in the process.MORE
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"MAPS gathers experienced and dedicated professionals around a common goal: find innovative ways of promoting exclusive visual content."
Laetitia Ganaye
Editorial, France Based in Paris
After studying cultural management, and further to an internship at Magnum Photos, Laetitia joins Agence VU' in 2003.
She has been in charge of the international development at the editorial department of VU' from 2007 to 2015, where she built a network of a dozen partner agencies worldwide, and collaborated with the main titles of international media. In 2014, she held a workshop on documentary photography in partnership with Nikon, during the Bayeux-Calvados Award. She was part of the 2015 jury for The Fence outdoor photography exhibition series, conceived by United Photo Industries and PDN.
Late 2015, she started an activity as a freelance photography consultant. Collaborations include Neutral Grey, and freelance photographers whom she supports in the development of long-term projects.
In 2016, she attended a fundraising training programme with the French Association of Fundraisers.Less


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So last week, we had our "big" ultrasound as it's commonly known, but since we already knew Little Fellow was, well, a fellow, it wasn't quite such a big deal.
However, gender knowing or not, getting to spend 45 minutes watching my little boy just be himself is still a pretty big deal.
He is as healthy as a horse and just about as big as one. At 21.5 weeks, his estimated weight is already 1lb 2oz, meaning he's measuring about a week ahead. Don't forget Eliza was 9lbs when she was born, so we knew he was going to be a pretty big Little Fellow. I've been calling for 10lbs since we knew about him but I might have to raise my estimate to 11 now!
Like both of the girls, he was non-cooperative with the tech for some measurements so we get to go back at 28 weeks for some more details. I won't complain about that!
It was a lot of fun to get a glimpse of his personality already! He seemed to be pretty mellow as long as he wasn't being messed with; then he kicked back with a vengeance. He played with his toes a lot and at one point, somehow managed to stretch his arms fully over his head. I definitely felt that movement! It's hard to believe we're halfway cooked already!
His super sweet little profile. He already has my chin.
Doing his ab crunches. Also, CHUNKY BABY THIGHS!
Playing peek-a-boo. Or being uncooperative while the tech wanted to look at his face.
And maybe my most favorite ultrasound picture ever, out of all my babies. His sweet little big runners feet 🙂


text: Need to know if anybody ever replaced a ac condenser. Don't know if mine is bad, I've replaced the accumulator, the orifice, and the ac compressor. The shop told me that there is a block somewhere causing too high of pressure. I'm not getting cold air. Anybody ever had this sort of problem please point me in the right direction.


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Father's Day Lifestyle
5 Great Father's Day Gift IdeasMonday, June 13, 2016
If you are like me, you are always scratching your head when it comes to Father's Day. A dress shirt, workout pants, or hat are alw...
If you are like me, you are always scratching your head when it comes to Father's Day. A dress shirt, workout pants, or hat are always in the running for gifts for him, year after year. This year I decided to get a little more creative with my gift giving and picked 5 pretty unique items to give to dad.
1. Sentimental Socks
Socks are usually on the list of "out of ideas" but choosing some fun socks that are sentimental for your dad will make it fun and memorable for him every time he puts them on. Try to think of an embarrassing moment you all had together, or a fun vacation and then search Google for "keyword socks" For example, Pink Pineapple socks for the time you took a trip to the pineapple farm while on vacation as a kid. Every time he puts this pair on, he is guaranteed to remember your time together, think of you, and wear a smile all day.
2. Woodwick Reserve Candle
The Woodwick Reserve candle collection is a hit with all the guys. Not only are the scents designed to appeal to the male senses, for example leather and humidor, but they crackle when they burn, setting a soothing environment set for relaxation.
3. Money Soap
This is such a fun gift. The money soap not only gives the gift of clean smelling goodness, but each bar comes packed with a bill and that bill can be a $1, $5, $10, or $50!
These flasks come complete with a mini funnel and awesome sayings such as, "Boss With The Sauce" and "A Little Whiskey Makes Me Frisky." If Dad likes a little toddy every now and then, you can't go wrong with a Trixie and Milo flask.
5. A Hobby Kit
Sometimes when we become adults, we get wrapped up in the every day hustle and bustle of life and leave no time to pursue new hobbies that we may enjoy. If dad seemed to take interest in fishing on your last family trip, how about picking up a tackle box with a few fishing lures so that he may take some time to himself to expand in his skill set.
Thank you for reading!


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Having been inspired by Shakespeare's "Love is not love / Which alters when it alteration finds" during my high school years, I became intrigued by the concept of true love.
Below is a piece in which I explore the tenacity of love through the story of two lovers who are separated not only by physical walls, but also by social status, the law, and ultimately death.
When I showed this poem to one of my teachers during high school, she remarked that it was rather tragic, as it features an innocent captive who is sentenced to death. I agree that there is a note of tragedy here, but I also think that love's resilience, which is what I attempted to capture, is far from tragic, and is in itself rather optimistic.
The Knight's Rose
Dawn Wairimu
He came upon feet swift as falling rain,
Cloaked in a robe the color of the earth.
And through the misty midnight air he came
As dark and lithe, as swift as he was worth.
He reached the darkened window wherein lay
A sleepless maiden – waiting for this knight.
A simple slave, conditioned to obey,
Yet yearned her heart, for Passion Flames burned bright.
Rough work had made the simple slave's hands rough,
But yet, upon his face her hand was smooth.
And though her arms were scarred and beat enough,
The gentleness he found in them could soothe.
Intrepid was the knight, yet so afraid…
For soon the slave would wrongly lose her head,
A scapegoat! Caught in so crime-filled a trade
That she would be the least among the dead.
And yet she knew although she'd have to die,
That through her death, she would be freed to live
Inside his heart, with ne'er a lonely sigh,
Able at last to fully herself give.
The Day of Death arrived upon swift feet,
And clothed in but a dirty, flea-filled sack,
The slave – against a pillar – tied and beat.
With growing welts upon her dainty back.
Her fervent eyes searched each face in the crowd
And found at last the Face that she loved best –
Her voice was silent, but her Love was loud,
And then, at last her tortured limbs found rest.
Bored with the scene, the crowds now moved away,
And soon the mournful knight stood all alone.
He knelt, and there remained to mourn and pray
Though prayers flowed with curses to the Throne.
Upon the rising of the silver moon
The grieving knight came forth from his black trance.
He rode toward the Starry Silver-Spoon
With him, she rode – o'er the earth's expanse.
To starlit grove, romance cache; he came,
Still with her laden in his heart and arms.
In death, her lovely face was still the same,
Yet held in death far more enchanting charms.
And in the grave he buried her that night.
He would not quell the burning tears that flowed
And for his love, his heart blazed fervent white;
He placed upon the mound of earth; A Rose.
No matter if the day was bright or gray,
It mattered not if clouds were in the sky
For neither rain nor hail could bar the way.
The knight would come with brandished Rose held high.
And every year thereafter, he returned:
To place a Rose upon her treasured grave.
For till the day he died, the knight's heart burned
With maddened love for his dear maiden brave.
And even now, although the knight is dead,
And though the world remembers not his woes,
He rises yearly from his earthen bed
To place upon his maiden's grave; A Rose.


text:
Midway through recording the Rolling Stones' "Voodoo Lounge" album, producer Don Was turned to bass player Darryl Jones with a suggestion. "Play something like the bass line in 'Street Fighting Man,' " said Was.
To which Jones responded, " 'Street Fighting Man'? Could you hum a few bars of that for me?"
Jones laughs as he tells the story, knowing how improbable it sounds now. But it's true -- the man the Rolling Stones picked to replace original bass man Bill Wyman grew up in almost total ignorance of the band and its music.
"I haven't been a huge Rolling Stones fan," Jones admits. "I haven't known every song that they've played." In fact, he didn't begin to become familiar with the band's music until a couple weeks before he was scheduled to audition for the band -- at which point, he says, he started listening to a few greatest hits collections.


text:
Ancestry.ca, the largest online family history resource, can help you explore marriage records for Lillian Tompkins and Warren Weaver from among its billions of historical records from Canada and around the world.
Marriage records are primary resources for the marriage details, since they were created at the time of the marriage. Ancestry.ca collections include indexes that can help you request the record, and in some cases, actual images of the marriage records.
Ancestry.ca has at least 1 marriage record for Lillian Tompkins and Warren Weaver, among more than 336 marriage records for the surname Tompkins and more than 816 marriage records for the surname Weaver.
Discover more of their story, including:


text:
The Splunk Solution Center offers a one-stop shop to support all the technologies involved in your Splunk projects. Our experts meet your specific needs, from a laboratory to production deployment, upgrade or migration, in order to implement best practices for efficient integration and optimal operation of your application.
We support you in:
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Life Care Planning
|Life Care Planning
We are fortunate to have a Certified Life Care Planner (CLCP) on staff. Since a Life Care Plan is an individualized document, we ask that you contact our offices directly to discuss your needs. Alternatively, you can complete the form below and we will contact you.
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Submitted by crinadmin on
Part of the same archipelago as the similarly named British Caribbean island group, the United States Virgin Islands are a small insular territory of the US. Although the inhabitants of the islands are full US citizens, they are not involved in the election of the president and their congressional representative has very limited voting rights. They do, however, hold elections for the small local legislature and governor of the territory.


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Mothballs contain a harmful chemical called naphthalene, which the Environmental Protection Agency has classified as a toxic chemical. If used near a vegetable garden to control pests, the chemical can cause adverse health effects such as headache and nausea for exposed humans.
About the Author
Callie Barber has been writing professionally since 2002. Barber's love for design and writing inspired her to create Design Your Revolution, a blog that shares creative and affordable ways to decorate indoor and outdoor living environments. Her articles have appeared on Travels.com and GardenGuides.com. Barber holds a Bachelors of Arts in international studies from the University of North Carolina.
Copyright 2018 Leaf Group Ltd. All Rights Reserved. // Leaf Group Lifestyle


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Getting to know the country
Entry posted by Kingdom of Hispania ·
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The Kingdom of Hispania
location: The Pacific Ocean, near the islands of Hawaii
population: 107 million
Capital: Ciudad Celeste, 50 thousand inhabitants
Largest City: Belfont, 9 million inhabitants (13 million in the metropolitan area)
Currency: Cortes 1C = 1.4 american dollars
Celebrations: October 12th, victory day; June 3td, King's Birthday
Languages: English & Spanish
Religion: Catholics 85%, Jews 5%, Ortodox Christian 5%, Protestant 4%, Others 1%
Favorite sports: Baseball, Soccer
Administrative Divisions: 16 provinces and 2 royal counties
The Flags
Hispania has 4 flags in official use, altough the "royal" is the most commonly used.
Great Provinces Flag
Small Provinces Flag (used mainly by the Catholic church, since the 4 provinces depicted here are also the seats of the four cardinals)
Parlament flag
As stated above there are two counties which are under direct rule of the King, the most important of these is the island of San Eduardo, located 250 miles south of the country's main island.
San eduardo has less than 60 thousand inhabitants, half of which live in the city of "Bahía de Esperanza" who, right now, is hosting the basketball qualifyiers for the october symlimpics.
Bahía is a famous tourist destination and has bothe the only airport and the only university of the island,


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This site is entirely user-supported. See how you can help.
Street View is the best available vantage point looking, if possible, towards the location of the building. In some locations, Street View may not give a view of the actual building, or may not be available at all. Where it is not available, the satellite view is shown instead.
Latitude: 51.2504 / 51°15'1"N
Longitude: -2.1964 / 2°11'46"W
OS Eastings: 386391
OS Northings: 150156
OS Grid: ST863501
Mapcode National: GBR 1TL.HJ6
Mapcode Global: VH978.WT7T
Entry Name: 42, Westbury Leigh
Listing Date: 29 December 1950
Grade: II
Source: Historic England
Source ID: 1036319
English Heritage Legacy ID: 313181
Location: Westbury, Wiltshire, BA13
County: Wiltshire
Civil Parish: Westbury
Built-Up Area: Westbury
Traditional County: Wiltshire
Lieutenancy Area (Ceremonial County): Wiltshire
Church of England Parish: Westbury
Church of England Diocese: Salisbury
(North-West Side)
No 42
Early C19, altered. 2 storeys. Brick with angle piers. Old tiled roof with
flanking chimneys. 3 windows on 1st floor and 1 on ground floor to right
hand side, glazing bar sashes. Central flush panel door [upper 2 panels glazed].
Modern shop front to left. Contemporary spear head rails [to right only]
with small panel standards and urn cresting. Flanking curved brick walls
with stone coping. Wrought iron porch referred to in previous list now removed.
Listing NGR: ST8639150156
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Other nearby listed buildings


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Let's face it. Regular blokes, like you and I, don't have a lot of time to do big renovations on our own. We may have the passion and the heart for DIY and property renovation, but the realities of our 9 to 5 jobs make it hard for us to take on new projects every
Renovation is one of the property investment strategies that property owners often employ. The Real Estate world is becoming more competitive year after year. As a result, property owners are more motivated to make their properties even better. If you own a home or an apartment, you are already familiar with this strategy. As soon
DIY giant Homebase recently announced that they will be closing down a quarter of its stores come 2019. Upon hearing this news, 2 things dawned on me. First, I need to start thinking of a way on how to repurpose their big outlets. Second, is this the start of the end for property renovation in
Finding the right contractor is essential in making high-end and high-value renovations. But finding them is a tough job these days, which is why I'm sharing with you some techniques on how to spot the perfect contractor for all your renovation needs. 1. Interview Local Building Inspectors Let's face it: few investors ever think of
Carrying out renovation on your investment property enables you to enhance the functionality of the space while boosting its value. Whether you have decided to fully refurbish your entire commercial property or just make some minor improvements, you need to consider budget first. Funds have always been an obstacle when it comes to home renovation.
Property renovation projects can be a gold mine of great materials if you know what to look for. Here are 7 objects which are "better than new" even when salvaged from a build site. 1. Hardware and Accessories Out of all the 21 century sayings nothing is more true that the phrase: "they don't make
People always want to know about things that could add value to their home, but rarely do they think if their actions and some external factors might be the one impairing the price of their property. Read on to find out 7 things that secretly kill the value of your home.
1. Add more space Contrary to popular belief, it's not the number of bedrooms which adds to the value of a house- it's the total space which does. So if you want to double the space of your property and also add a substantial amount of value into it, the most advisable projects to take
We have an age old saying that "beauty is in the eyes of the beholder." This simply means that beauty is subjective, and what might be beautiful for one person isn't necessarily the same for other people. Well, this might be true for physical beauty, but I can't say the same for real estate properties.
What I'm trying to say is that in real estate, the house speaks for itself. If it looks nice then you'll definitely catch a good price, in good market conditions, but if it looks bad then prepare to wait a very long time before your property gets an offer.
1. Make it "pop"
Making it "pop" simply means giving houses you're renovating the "wow" factor. While you don't need to make the entire property "pop" (for reasons that will be explained later), you will need to focus your efforts on 3 key areas in the house which are the: entrance, kitchen, and bathroom.


text: We have a new client with a requirement to have read receipts available. Ordinarily, we do not allow our users to send mail. What I'm wondering is can OWA give us the best of both worlds. Can our users have permission to send mail, but with OWA (and we ensure that OWA is the only way to access mail) just not have the options to send/reply/etc. Any ideas? NT4.0, Exchange 5.5 Thanks, Jared Teche Network Administrator SITEL Corporation jared.teche@xxxxxxxxx 608-827-3862 This message and any attachments are intended only for the use of the addressee and may contain information that is privileged and confidential. If the reader of the message is not the intended recipient, or the authorized agent of the intended recipient, you are hereby notified that any dissemination of this communication is strictly prohibited. If you have received this communication in error, please notify SITEL immediately by telephone at 402.963.6001 and delete the message and any attachments from your system. Thank you for your cooperation.


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Steel Fences
Steel fences are much stronger than aluminum fences and a great choice when looking for a beautiful, strong and long lasting fence. Our steel fences are manufactured here in the United States.
Ornamental steel fencing has the look and feel of traditional wrought iron fencing, but without the high maintenance and need to be repainted in the future. All the products we use are pre-galvanized and powder coated for durability
Steel Fence Questions & Answers
Q:Why purchase and install a steel fence?
There are obviously many reasons to purchase a fence, but why a steel fence? A major advantage of a steel fence over an aluminum, wood, vinyl or even composite fence, is its high level of strength. Our steel fences are over 4x as strong as comparable aluminum fencing. A fence is an investment in your home that can increase the equity, but if your fence only lasts for 10 years and you sell your home in 15, that investment is gone forever. Our steel fences will hold their value up to the day you go to sell your home. Another advantage of a steel fence is that it allows for viability while still providing a high level of security and protection.
Iron Fences
We also build fences using brick, block and stone columns and knee walls and decorate them with iron fence panels. After determining a style or design, which are many we deliver on-site and install per your layout. When building iron fences onto stone or brick knee walls and columns, the posts are set into the stone or brick as it's being built. For existing walls, we core drill into the stone or block and set the posts with Quick-rock. It is important to have a company that can do both or insure that the structure is built with designs that are understood by both companies. We build all our columns and block walls with experienced masons.
Decorative Iron Fences
|While we supply and install a large variety of decorative steel and ornamental aluminum fence panels, we also custom weld decorative steel fences to match any desired style or design. These highly permanent fences can and will last for hundreds of years! We custom manufacture fences for universities, historical designs, residential home owners, business or neighborhood gate entrances and more.
Chain Link
We are the fence contractor to supply and install chain link fencing in San Diego County, Looking for chain link materials only?
Spearhead is proud to service almost all of San Diego County.
Call today to schedule a free in-home estimate.
We supply our chain link fencing to home owners and professional fence contractors . Give us a call today for pricing on our chain link fence materials and accessories.
Looking for chain link materials only?
Black Vinyl Coated Chain Link Fencing
|Our installed black vinyl coated chain link fencing will secure and protect your backyard, at an economical price. Black chain link fencing materials come in a variety of sizes and gauges and are available for purchase and installation. Give us a call to see how we can help.
PVC Color Coated Chain Link Fencing
All our fencing products are domestically manufactured here in the United States. Posts and all the fittings used in chain link fence construction are powder or vinyl coated to match the color of the fencing chosen.
Chain Link Gates
Our chain link gates are custom fabricated to fit any angle or design and includes standard gate hardware. For pricing, call (760) 451-9601.
Our chain link gates are fabricated to accommodate for any size or design. Current Average Gate Cost: The pricing below includes the average cost for supply and professional installation of our domestically manufactured residential black vinyl coated chain link gates. Includes standard gate hardware. For pricing of gate size and styles not mentioned below, call (760) 451-9601.
Fence Slats & Inserts
Our fencing company supplies chain link fencing slat materials nationwide and provides installation services for our customers here in San Diego County. These decorative fence slats provide privacy, beautify chain link fencing, act as a barrier and are also used as a wind screen. Whether you are looking for vertical inserts, top or bottom locking inserts, wing slats, hedge link slats, colored chain link slats or even aluminum inserts, we are just a call away.
Installation of Privacy Fence Slats
Installing chain link fence inserts consists of sliding the slats down through the chain link mesh and locking them with a top or bottom channel if you purchase top or bottom locking slats. It's often much more difficult to install the inserts into an older and more run down chain link fence, as the mesh is often bent and must be straightened in various places so that the slats can slide down and in place. When professionally installing chain link slats for our customers in San Diego County, we often price our services based on the size and condition of the fencing.


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originally posted by: GoShredAK
Maybe this explains the purpose of chemtrails? They could prepping the sky, possibly creating a layer that will work as a screen?
originally posted by: Witness2008
exception of suite 420 at the Potomac address.
The FIRESIGN scenario is that of an invading extraterrestrial force of nearly incomprehensible scale (massive floating cities descending, god-sized "walkers" among the clouds with terrifying weapons, wheels of fire and eyes, etc.). This phenomena, when activated will bring electoral and social systems to a halt and, in afflicted areas, will permit a narrative wherein POTUS is able to "Call a halt" to the invasion and then "hand over the torch" to Clinton, providing a basic continuity of state.
originally posted by: MarkOfTheV
Why does this document go from a seemingly routine and ordinary study on voters and then take a left turn into Firesign and Red Dawn in the last two pages?
originally posted by: nobunaga
as much as i would like to see this seem legit, its already been debunked on reddit
the symbol for the company is way off.
the address goes to an office building with no link to beneson.
we called the phone number and asked if they had an address there and was told absolutely not
this is an elaborate hoax...
firesign is firesign theatre. its a comedy group that joked around about alien invasion
Plot[edit] Everything You Know Is Wrong employs the Firesign Theatre's signature surreal playwriting. It is ostensibly produced and narrated by "Happy" Harry Cox, who runs the recording studio "Nude Age Enterprises" from his mobile home in a nudist trailer park located in the fictional town of Hellmouth, California (surrounded by the towns of Hooker and Heater). The original LP album is not divided into tracks; side one (20:45) begins with Cox introducing "another in his series of mind-breaking records" with a reverberating montage of his latest revelations: "Dogs flew spaceships!" "The Aztecs invented the vacation!" "Men and women are the same sex!" "Our forefathers took drugs!" "Your brain is not the boss! (Yes! That's right!)" "Everything you know is wrong!" He then presents his interviews of locals connected with UFO sightings; a short play alleging the founding fathers of the United States planned the American Revolution while smoking hemp; a purported wire recording of a medicine show from c. 1900; and an "official stolen Air Force training film" of the secret plan to deal with an alien uprising. On side 2 (21:15), we hear some messages recorded on Cox's telephone answering machine, Channel 6 television news reports, and a psychic "sending directly from his mind to ours." A motorcycle daredevil, a crowd of people, and the TV news crew are drawn to a large hole that contains a golden staircase and "leads to the Sun at the center of the Earth", and all descend into it. The aliens finally appear, but finding no one but Cox, leave him alone to ponder: "Seekers...it looks like this is the end. Or is it only the begin ...? No, it's the end." Characters[edit]
Milton William Cooper
And I looked,
and behold a pale horse:
and his name that sat upon him was Death,
and Hell followed with him.
And power was given unto them
over the fourth part of the earth,
to kill with sword,
and with hunger,
and with the beasts
of the earth.


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Saturday, June 26, 2010
That's what I'm doing! That's why I've not been blogging. I've been sleeping and the Companion has been working on my book!
3 comments:
Hopefully you've gotten a couple more bike rides in too...and some eating. You can only get so much sleep. ;o) Besides, don't you have to be awake to make sure your companion really is working on your book?ReplyDelete
Howdy! I discovered you through the Companion's Spark Page. My dogs are jealous of your cross country biking trips! :DReplyDelete
- AnonymousJuly 8, 2010 at 12:45 PM
Hello Antigone, and hello companion. It is I chris owens. I know the companion remembers me yet to meet the beautiful anigone but im sure i will soon. Cant wait to hear back from you hope all is well.ReplyDelete
Scratch antigone behind the ears for me I know you will
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The Girl in the Letter: The most gripping, heartwrenching page-turner of the year
Emily Gunnis
Alberta Scaglione' s spinster aunt had some secrets—like the fortune she squirreled away and a secret lake house in Tranquility, New Jersey. More surprising: she's left it all to Alberta. Alberta, a widow, is no spring chicken and she's gotten used to disappointment. So having a beautiful view, surrounded by hydrangeas, honeysuckle, and her cat, Lola, sounds blissful after years of yelling and bickering and cooking countless lasagnas.
But Tranquility isn't as peaceful as it sounds. There's a body in the water—and it belongs to Alberta's childhood nemesis. Alberta suspects foul play and when Alberta's estranged granddaughter, an aspiring crime reporter, shows up, it only makes sense for them to team up and investigate...
by J.D. Griffo
Havana, 1958. The daughter of a sugar baron, nineteen-year-old Elisa Perez is part of Cuba's high society, where she is largely sheltered from the country's growing political unrest--until she embarks on a clandestine affair with a passionate revolutionary...
Miami, 2017. Freelance writer Marisol Ferrera grew up hearing romantic stories of Cuba from her late grandmother Elisa, who was forced to flee with her family during the revolution. Elisa's last wish was for Marisol to scatter her ashes in the country of her birth.
The former Assistant to the President and Director of Communications for the Office of Public Liaison in the Trump White House provides a jaw-dropping look into the corruption and controversy of the current administration.
Narrated by Omarosa Manigault Newman
11 hours 6 min
Don't miss the spine tingling suspense and tantalizing romance in this thriller about a daring pilot caught in a race against time from #1 New York Times bestselling author Sandra Brown.
Rye Mallett, a fearless "freight dog" pilot charged with flying cargo to far-flung locations, is often rough-spoken and all business, but soft on regulations when they get in the way of meeting a deadline. But he does have a rock-solid reputation: he will fly in the foulest weather, day or night, and deliver the goods safely to their destination. So when Rye is asked to fly into a completely fogbound northern Georgia town and deliver a mysterious black box to a Dr. Lambert, he doesn't ask questions...
by Sandra Brown


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- About Urban Affairs
- Resources
- Alabama A&M University
- Alabama A&M University Agribition Center
- Auburn University
- eXtension
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- Communications & Marketing
- Communications & Networking Forms
- Urban Annual Reports
- Urban Forms
- Urban Publications
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Upcoming Events:
- 08/24 - One Health Symposium for Sheep and Goat Production
- 08/24 - One Health Symposium for Sheep and Goat Production
- 08/25 - One Health Symposium for Sheep and Goat Production
- 09/21 - SAI Conference
- 10/18 - Back to Basics: Fall Garden & Landscape Management
- 10/20 - Retree Jacksonville- Tornado Recovery Tree Giveaway
- 11/01 - Composting & Vermicuoture
- 11/06 - grwoing native azaleas from seed
About Urban Affairs
Urban Affairs and New Nontraditional Programs, located on the campus of Alabama A&M University, is one of six base program areas of the Alabama Cooperative Extension System and a national leader in providing urban Extension programs and services that sustain the environment and impact the lives of Alabama's growing and diverse populations. For more than a decade, Urban Affairs & New Nontraditional Programs has been at the forefront in providing life-changing programs for individuals, families, children and youth, entrepreneurs, and animal producers just to name a few. Our goal is to ultimately improve and sustain lives, homes, communities, businesses, and the environment.
Introducing Urban Affairs: A Video (mp4)
Visit our Archived Special Events page.
Perdido Beach
One Health Symposium for
Sheep and Goat Production
August 24-25, 2018
Perdido Beach Resort
27200 Perdido Beach Boulevard, Orange Beach, AL 36561
1-855-516-1090 - Mention booking ID #14652 for special rate
Pre-Registration / Event Release / Flyer / Brochure / Digital Brochure
Program Booklet / Program eBooklet
Hotel Information - You must book hotel by August 8 to get special rate.
Perdido Beach Resort
The Perdido Beach Resort is the location for the One Health Symposium for Sheep and Goat Production. A block of rooms has been reserved at a rate of $159.00 plus tax per night. To reserve your room directly with Perdido Beach Resort, just call 1-855-516-1090 and be sure to mention the Booking ID #14652.
Holiday Inn Express - Gulf Shores
An additional 20 rooms are reserved at the Holiday Inn Express for a rate of $119.00 a night. Please visit: https://www.ihg.com/holidayinnexpress/hotels/us/en/gulf-shores/gfscm/hoteldetail to make reservations online.
Or call 251-948-6191 and mention that you are with the One Health Symposium Group. The cut-off date is August 8. For questions or concerns, please contact Alan Olson at 251-307-2109.
Specialty Sites:
Metro News is a quarterly online newsletter that features current news and research-based articles on urban and nontraditional topics for global audiences.
Programación en Español, is a web site that serves both Alabama's growing Hispanic population and the people who work with them.
Metro News
Urban newsletter
Helping Debtors Become Savers
Free, personalized,
debt elimination plan


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Paul Earnshaw works as a Senior Psychological Therapist in the NHS. I have current clinical experience of using integrated Motivational Interviewing with younger people at risk of developing serious mental health problems. I spent four years working as a therapist in the MIDAS trial, a large RCT for people with serious mental health problems and problematic substance use. I have previously worked as a Mental Health Social Worker and ASW in Assertive Outreach, Community rehabilitation and Community Mental Health teams. I have current experience of delivering Cognitive Behavioural Therapy and brief Motivational Interventions in primary care and in other community based settings.
For the past 10 years I have delivered Motivational Interviewing training throughout the United Kingdom and internationally to a wide range of professions from different specialist areas of health care. I also train and supervise mental health service staff in motivational interviewing, CBT and Dual diagnosis. I maintain research and training interests in Motivational Interviewing, Substance use and integrative approaches to working with behaviour change. Particularly the integration of Cognitive Behavioural Therapies and Motivational Interviewing. I also have training, clinical and research experience of the use of the MITI, a Motivational Interviewing fidlelity measure. I am currently a Doctoral candidate at Sheffield Hallam University, developing research and interventions in the area of Physical Health and Mental Health.
© Motivational Interviewing Network of Trainers 2017


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Miss Nigeria, Ezinne Akudo, has posted on Instagram the photos of her so-to-say "posing" with a lion in a Mauritius Zoo.
Photo: Ezinne Akudo poses with a lion in the zoo
It looks like the national beauty has been enjoying her vacation a lot.
The original caption under the pics reads:
"The man looked at me and said 'the lion was brought here when it was 3 months old. It's not trained,it's not tamed...it's just used to having human beings around' .. And I was like 'what does that even mean? a lion is a lion!' Hehehehe… 'twas the scariest moment of my life."
Photo: Ezinne Akudo poses with a lion in the zoo
hmmmm if anyfin should happen twas the witch from her village o....