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tag:blogger.com,1999:blog-7455994314695399549.post6356357831683074462..comments2018-02-12T12:17:39.747-08:00Comments on Panda Pig's Peace Sanctuary: Way of the Guinea Pig!: I HOPE YOU HAD THE TIME OF YOUR LIFE: WE SURE DID!Chana Meddinhttp://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-2197945969747497332014-06-13T11:36:26.039-07:002014-06-13T11:36:26.039-07:00Dear Brave, yes, I am here to read this. And canno...Dear Brave, yes, I am here to read this. And cannot say in words - only tears - how much this, and you, all of you, mean to me. (((MODS))) BRAVE, you really are amazing. Thank you ~chana meddinhttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-59006369781775656452014-06-12T12:16:54.031-07:002014-06-12T12:16:54.031-07:00Hello Chana, I don't know if you are her to re...Hello Chana, I don't know if you are her to read this but please know I wish you nothing but Peace, Love & Community as you continue your journey. May the Owls carry you on their wings & may the piggies sing to you. A know a big MOD party in the sky will be happening when you arrive. So skate on bravely as you have always done and know that the legacy you leave is always carried in our hearts. Peace to you Braveheart2665https://email@example.com:blogger.com,1999:blog-7455994314695399549.post-67780157689676297722014-05-27T19:38:23.116-07:002014-05-27T19:38:23.116-07:00(((What a Wonderful GMarch)))(((What a Wonderful GMarch)))chana meddinhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-25739723870612114852014-05-19T18:26:53.444-07:002014-05-19T18:26:53.444-07:00Oh Lucy! Have been hoping and waiting for you to s...Oh Lucy! Have been hoping and waiting for you to surface, knowing you've always been here, missing you, longing to hear from you. i'm fighting even though it feels like the tank's empty and yes, i've won because i'm here able to feel your love and care with no thought of tomorrow. Feels like "winning" means enduring and with people like you in my life i have to, to honor you, all of you who have consistently been here for me, supported us…Bhindi is having surgery today…he got a condition where he couldn't eat either, the Little Buddha, I thought that was amazing…he should be home tomorrow. which means we'll be winning because we'll pick him up and feel him purr and snuggle and be happy to come home so winning…well, i'm told "it took a long time to get this sick, it'll take a long time to get well" but i don't believe a word of it, it takes hearing from you and in a nano-second of lovingkindness there is no beast, only a secret smile in my heart that "silent MOD, Troy, Ohio" cares. That's a WIN! THANK YOU, LUCY. GOD BLESS.chana meddinhttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-82618591091101276012014-05-19T17:42:13.954-07:002014-05-19T17:42:13.954-07:00Chana, I just read your post and am hoping you fo...Chana,

I just read your post and am hoping you fought the beast and won!!! Thoughts & prayers flowing your way.

Take care, Lucy (silent MOD, Troy, Ohio)firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-55889639524948805342014-05-19T11:14:46.744-07:002014-05-19T11:14:46.744-07:00Sacto, and all our love for your mom, that you wou...Sacto, and all our love for your mom, that you would think of us now while caring for her is an act of such lovingkindness, we can't say how much you mean to us :) Thank you, our prayers for you and yours (((Sacto)))chana meddinhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-11132787752439341602014-05-19T07:46:38.241-07:002014-05-19T07:46:38.241-07:00Chana - Thinking of you, Sweetie! And of your P...Chana -

Thinking of you, Sweetie! And of your POI and your piggies. Huggz to you all!

SactoSylviaSylvia Oeyhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-27306035798497362652014-05-10T12:14:46.873-07:002014-05-10T12:14:46.873-07:00What a wonderful poem Skatr. What a wonderful poem Skatr. gmarch53https://email@example.com:blogger.com,1999:blog-7455994314695399549.post-4666157716827568142014-05-09T13:49:25.180-07:002014-05-09T13:49:25.180-07:00TO SACTO and GMARCH, am humbled, smiling, tears in...TO SACTO and GMARCH,
am humbled, smiling, tears in eyes
these really WERE
the Best Years of Our Lives!
Sacto, you are all over the apartment with
so many MODS…CONFESSION (TELL NO ONE!)
Last night i sat with my dear
and asked if i could rest,
He said nearly the same thing, Sacto, he said
"NO! You're stronger than you think!" and shook his head.
So seeing what you've written here answers the Question:
It is not time to rest! But I dream of meeting you and GMARCH
and OWL the MODS who made those years
THE BEST YEARS OF OUR LIFE! :))) <3<3<3<tonight is Molly Movie Night
Please give my love to all! And yourselves a big, warm (((HUG)))
Will mount YAHOO'S steed, fly high and fly free,
And always be me. Hee-Hee!chana meddinhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-48602389577410033172014-05-09T13:38:02.791-07:002014-05-09T13:38:02.791-07:00My guinea pigs must think it queer To speak of thi...My guinea pigs must think it queer
To speak of things not hap'ning here
Today my Bhindi precious Dear
Goes to the Vet
His heart she'll hear
As he has taken ill like me
We shall not speak of reverie…
But of a future meeting, we,
For now we fight invisibly
Between the woods and frozen lake
We'll take the road less taken: love
For YOU and Friends so generous
Inspire fight and fire n'us -
Two roads diverged in a yellow wood
We'll meet you, GMarch, you chose Good!
Wear my sweater in the Neighborhood,
We'll eat a vegan pumpkin pie
And laugh like sisters crafted by
Some pow'R mightier than I
Who'll say we live
No one need cry,
We just fell fancy to the deep
And must fight on,
Too soon to sleep,
We shall fight on,
Too soon to sleep.

GMarch, we find out NOW we're SOUL SISTERS?! HOLY m'Roly!
To you there'll never be "Good-Bye"
Just roam a bit, sleep more, and sigh.

(((GMARCH)))
EVERYTHING YOU WROTE -
WE NEVER KNEW?
WE'RE ONLY ONE,
AND NEVER TWO?

 chana meddinhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-39513236528638364672014-05-09T02:11:20.978-07:002014-05-09T02:11:20.978-07:00I agree w/SactoSylvia: In nature of course nothin...I agree w/SactoSylvia:
 In nature of course nothing ever really goes away, it just changes forms... gmarch53https://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-54235133913192955492014-05-09T02:07:54.951-07:002014-05-09T02:07:54.951-07:00~ Robert Frost ~ Robert Frost
gmarch53https://email@example.com:blogger.com,1999:blog-7455994314695399549.post-40356652449348466482014-05-09T02:07:08.853-07:002014-05-09T02:07:08.853-07:00THIS is my all time FAVE!!! Thanks for reminding ...THIS is my all time FAVE!!! Thanks for reminding me. PS I think I would like to meet you! Are you still a Vegan? I am and will continue to be.
Whose woods these are I think I know.
His house is in the village though;
He will not see me stopping here
To watch his woods fill up with snow.

My little horse must think it queer
To stop without a farmhouse near
Between the woods and frozen lake
The darkest evening of the year.

He gives his harness bells a shake
To ask if there is some mistake.
The only other sound's the sweep
Of easy wind and downy flake.

The woods are lovely, dark and deep,
But I have promises to keep,
And miles to go before I sleep,
And miles to go before I sleep.
gmarch53https://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-71390326367203670082014-05-09T02:00:50.157-07:002014-05-09T02:00:50.157-07:00Green Day is perfect Skatr! I LUV this song. Ple...Green Day is perfect Skatr! I LUV this song. Pleez, I was never really 'skeered' of YOU so much as I was of your MOD friends....to be honest, I still am afraid of them because they might reveal more of me than I am willing to show to the world. I admire you.
Robert Frost's Poem 'The Road Not Taken' is one of my ALL time FAVES!!
 Two roads diverged in a yellow wood,
And sorry I could not travel both
And be one traveler, long I stood
And looked down one as far as I could
To where it bent in the undergrowth;

Then took the other, as just as fair,
And having perhaps the better claim
Because it was grassy and wanted wear,
Though as for that the passing there
Had worn them really about the same,

And both that morning equally lay
In leaves no step had trodden black.
Oh, I kept the first for another day!
Yet knowing how way leads on to way
I doubted if I should ever come back.

I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I,
I took the one less traveled by,
And that has made all the difference.
Robert Frostgmarch53https://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-48117707517553223972014-05-08T13:37:04.142-07:002014-05-08T13:37:04.142-07:00Skatr - I never met you IRL but you've shared ...Skatr - I never met you IRL but you've shared enough of yourself online that I am very sure of this - you are one of the few people I know who can truly be called A Force of Nature, and fortunately for us MODs, you are a force for good things ;) . In nature of course nothing ever really goes away, it just changes forms... and so it is with your fierce spirit, it will remain with us in another form. Thank you for the fun and life you brought shared with us in the Owl Box. I still hope to meet you IRL someday, but just in case that isn't possible - fly high and fly free! <3 <3 <3

Black Sheep Nation forever!

SactoSylviaSylvia Oeyhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-31909820188559545482014-05-08T12:27:23.471-07:002014-05-08T12:27:23.471-07:00(((GMARCH))) you isn't a dunce, i knew EXACTLY...(((GMARCH))) you isn't a dunce, i knew EXACTLY what you was tellin' StupiSKATR here, you iz sayin' the best poem EVAH! But i ain't gone YET, LOL! and you ain't wordy, GMarch, you says the perfectest thangs at the perfectest times, i could NEVAH write a poem like yerz! i just got real little so i couldn't skeer ya's anymore, see, you can't EVAH say i skeer ya NOW! (((oooooooh! eeeeeeeeeeh!))) Thanks for makin' me laugh, GMarch, my skates still got the hots for …er…um…YOU KNOW…SO miles to go before i sleep, like Robert Frost says in his poem, miles to skate before i skeet! Who lurves her GMarch? (((1SKATRPIE LOVES HER GMARCH))) and embedded in love is always Hope.chana meddinhttps://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-33416484110852430932014-05-08T01:33:26.823-07:002014-05-08T01:33:26.823-07:00Skatr, Skatr, Bo Bater, Bannana Owlie Ow Bater, SK...Skatr, Skatr, Bo Bater, Bannana Owlie Ow Bater, SKATR!! Keep Skatin' my friend!! gmarch53https://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-43639948957028597682014-05-08T01:27:16.483-07:002014-05-08T01:27:16.483-07:00Meant Never MET You!! I am such a dunce!! Meant Never MET You!! I am such a dunce!! gmarch53https://firstname.lastname@example.com:blogger.com,1999:blog-7455994314695399549.post-83197633156532856142014-05-08T01:26:24.628-07:002014-05-08T01:26:24.628-07:00Oh Skatr...You have left the wordy "G" w...Oh Skatr...You have left the wordy "G" with no words...except that I lurves you although I have never you: you are an inspirational author and an inspiration to me. gmarch53https://email@example.com:blogger.com,1999:blog-7455994314695399549.post-44360545535532074512014-05-07T07:50:01.623-07:002014-05-07T07:50:01.623-07:00(((Ingrid & Meeries)))(((Ingrid & Meeries)))chana meddinhttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-62399742621442375872014-05-07T07:46:49.199-07:002014-05-07T07:46:49.199-07:00It is the Creator who leads Natapat so let us ride...It is the Creator who leads Natapat so let us ride together, for I am still hollering "Ya-HOOOOO!" with every gallop we take, Sister! There are still campfires to build, stories to tell, and laughter to sway across the Palouse…perhaps the Journey is the Destination and we will be given all the time in the world! Warpaint on me as well as Natapat. She shares her beads, they are in my hair, we are together, you, me, and the ENTIRE Black Sheep Nation: "Yah-HOOOOOOO!"chana meddinhttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-24031007487485443462014-05-07T07:35:32.382-07:002014-05-07T07:35:32.382-07:00Thank you for sharing those moments…I never knew i...Thank you for sharing those moments…I never knew if he heard and we connected or not. Now I do. And it means the world to me. As you both always, always will!chana meddinhttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-66391447494628782402014-05-06T22:57:19.050-07:002014-05-06T22:57:19.050-07:00No never say good bye.... We are thinking of you a...No never say good bye....
We are thinking of you and our hrarts are with you......
Always there.
We love you and we always will.........
((((((Chana and yours))))))email@example.com:blogger.com,1999:blog-7455994314695399549.post-15197163631018033642014-05-06T22:53:45.308-07:002014-05-06T22:53:45.308-07:00Natapat Bows......You Lead, I'll follow ♥♥♥♥♥Natapat Bows......You Lead, I'll follow ♥♥♥♥♥
yahoorosehttps://email@example.com:blogger.com,1999:blog-7455994314695399549.post-73219396775585175602014-05-06T19:40:24.996-07:002014-05-06T19:40:24.996-07:00OH GOD!OH GOD!chana meddinhttps://firstname.lastname@example.com


text:
Mitt Romney, who often grouses that he is simultaneously running against President Obama and the mainstream media, will be greeted upon his arrival in Florida on Friday by a headline with which he cannot quarrel: The Orlando Sentinel is endorsing him.
Four years after The Sentinel, central Florida's largest newspaper, endorsed Barack Obama's candidacy for president, the newspaper's editorial page said Mr. Romney is the better choice this time.
Romney Receives Endorsement of Orlando Sentinel - NYTimes.com
I wonder how much this will influence the vote since Florida has the reputation of trying to rig the vote. Remember back when it was said blacks were not allowed to vote then it was revealed the whole thing was made up.
The democrat machine is already trying to claim this.
Michael Tomasky on How the GOP Plans to Block the Black Vote - The Daily Beast

subset: commoncrawl


text:
New Remanufacturing Flyer
A new flyer for the remanufacturing business in Europe has been produced by APRA, CLEPA and FIRM. The flyer details some of the key ecological, social and ethical advantages of using remanufactured parts, as well as outlining some of the industry supported definitions of remanufactured parts and core.
Please click here for a link to the flyer via the APRA web-site:


text:
Mauchline Superstore
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text:
Sometimes it is a struggle between seeing the best in people or the worst of people.
Over the past year, I have heard the most awful of stories: murder (those that did and those that were nearly), rape, child abuse, domestic violence, rejection of parent to child, racism, segregation, hatred, greed, betrayal and the list could go on. At my job, some days are heavy than others. And try as hard as I may, some days I take it home. Not because I want to, but because I would not be human to be moved so deeply by these stories.
The flip side of all of this is that if you look closely, within these awful events lays another story: courage, forgiveness, hope, resilience, determination, and healing. Some days the good stories are so easy to see. Other days you have to hunt for them.
My therapist (because all therapists ethically should see their own therapist. And yes, I can recognize the overwhelming irony it this) told me, "You can not control what other people think, how they act or what decisions they make. The only person you can control is yourself. Your reactions, your behaviors, your feelings. "
How insightful is that?
So for today I am choosing to see the good and not be discouraged by the overwhelming bad. I am choosing to place my hope in the One who heals and comforts. I am choosing to have hope not as a form of denial of the bad, but rather in spite of it.
What about you? What kind of things are you choosing about yourself?


text:
Largecap stocks won't offer safe and steady return always
There is a widespread misconception that investing in large cap stocks are safe while it is risky to go for small caps and mid caps. Moreover, maximum investors believe that large cap stocks offer steady flow of return while mid caps and small caps are highly volatile and don't offer steady return. It will be hard to accept, if I directly conclude that quality small caps and mid caps can offer more safety, better dividend yield and obviously better return than large cap stocks across any market cycle (bull and bear market). So, let's go for detailed real life examples-
Large cap stocks /Small cap stocks-
State Bank of India (SBI) is a large cap, well-known, blue chip banking stock. It is also the largest bank of India. On the other hand City Union Bank (CUB) is a small-sized regional bank. Let's have a look at the price performance of SBI and CUB across various economic cycle.
- After the financial meltdown in the year 2008-09, 2010 was marked as a turnaround year. Banking sector responds first during any economic turnaround. Against the 14.20% return of Sensex, throughout the 2010, City Union Bank(CUB) generated around 90% return while State Bank of India (SBI) generated around 27% return.
- Now, let's have a look on the year 2011. Indian equity market performed poorly during 2011. Against the -25% return of Sensex, CUB generated marginal negative return (-5%), while SBI generated huge negative return (-40%).
- Moving forward to the year 2012 when Sensex generated 30% return. During the same period CUB generated around 52% while SBI generated 35% return.
- Similar trend continued in 2013. Current year (2014) is also no exception.
|Sensex Return
|CUB – Stock Return
|SBI – Stock Return
So, whether market moved up or down, a quality small cap banking stock (CUB) always outperformed the large cap and also the largest bank of India! Many analysts may suggest you to remain away from small cap stocks stating that small cap stocks move up faster during bull-run and also fall faster during bear run. There is a far-flung misconception that small cap stocks may offer better return but it can also lead to "unlimited loss". But, the above illustrated example suggests a completely different picture. You may argue that the example of CUB and SBI is an exception. Well, compare Atul Auto (small cap auto stock) with Maruti Suzuki; compare Ajanta Pharma with Sun Pharma; compare TCS with Eclerx. On every occasion (Auto,Pharma, IT, banking almost from all sector) you will find the small cap stock outperforming the large cap stocks. Here the only condition is that the comparison should be between "quality small cap" versus "quality large cap". You can't take consideration of poor quality small cap stock like IVRCL, Rei Agro etc.
Investing in large cap stocks makes sense if you can't devote enough time to research the market or if you don't have proper advisor to guide you. Otherwise, small cap investing is much more rewarding than large cap across any market cycle.
Apart from capital appreciation, various investors go for large cap due to better dividend yield. Now let's have a look on the "dividend yield" portion-
Dividend yield – Quality small caps do well
Once one of my clients mentioned that he wanted to prepare an equity portfolio for his retirement needs that should consist of large cap stocks as those stocks offer better dividend yield. During our telephonic conversation, I failed to convince him that even mid cap and small cap stocks can also offer better dividend yield. I know it is hard to believe, so let's check few real life examples-
During December-2012, I had recommended a small cap Pharma stock named Ajanta Pharma at Rs-250. The stock was not in the radar of mutual fund managers and was quite unknown at that time. Backed by strong fundamentals and better future prospects, the stock generated more than 6 times (550%) return within the next 2 years (CMP -1745). Apart from huge capital appreciation, let's have a look on the dividend yield part. During July-2014, the company declared 200% dividend on the face value of Rs-5. Thus, it translates into dividend of Rs-10 per share. Now anyone invested during December-2012 would have received Rs-10 dividend on their investment of Rs-250. Dividend yield of 4% is not bad while considering 4% annual interest on savings bank account. So, you have 550% capital appreciation and 4% dividend yield from your investment within 2 years. I can bet, any large cap stock can't meet this combination of 550% capital appreciation and 4% dividend yield within 2 years.
Let's have a look from different angle-
[sociallocker id="7689″]
You may think that Ajanta Pharma is an exception, so let's have a look on few more stocks. Avanti Feeds, a small cap unknown company from aquaculture sector was trading around Rs-130-200 during June- September last year (in 2013). At the time of writing this article, the stock is trading around Rs-1400 and has offered a dividend of Rs-15 per share. If you had invested in Avanti Feeds at Rs-200, then you would have gained 7.5% dividend yield (on your purchase rate) and a whopping 7 times capital appreciation within just 1 year – impossible for any large cap stocks. Similarly, investment in Page Industries (small cap stock from apparel sector) during July-August, 2012 generated 20% dividend yield and 100% capital appreciation within next 2 years – again impossible for any large cap stocks. Moreover, Page Industries has a track record of offering dividend 4 times in a year! The list has many more in it. There are at least 30-40 small cap and mid cap stocks that can consistently outperform any large cap stocks in the form of dividend yield and capital appreciation. So, who told you that only large cap stocks offer steady cash flow in the form of dividend?
The problem is that while calculating dividend yield, we consider the current market rate. Theoretically, it is absolutely fine to compare dividend per share with current stock price to calculate dividend yield, but from an investor's perspective isn't it logical to compare dividend with his purchase rate? It makes more sense. Suppose, few years back, you had invested in a stock at Rs-200. Today, the stock price is at Rs-100 and the company is offering dividend of Rs-4 per share. So, apparently it looks that as per current market rate of Rs-100, they are offering 4% dividend yield, but what about your original purchase rate. You had purchased it at Rs-200 and getting Rs-4 dividend, so doesn't it makes a 2% dividend yield for you? Statistically, 4% dividend yield is all right but from investor's point of view it is not. This is another reason for the wide-spread misconception – "Large cap stocks always offer better dividend yield than small caps."
From the above discussion, now it is clear that if you can select quality stocks from mid cap and small cap space then it can easily outperform large cap stocks on every front – be it capital appreciation or dividend yield or steady cash flow. Moreover, quality small caps can be less volatile than the large cap stocks. During market crash or economic slowdown, large cap stocks may fall more than the "quality small caps". The only thing that you need to keep in your mind is "quality small caps". Not all small caps and mid caps will yield the same result. If you arbitrarily select any small cap then the maximum probability is to get negative return. From the entire universe of small cap stocks, only 1%-2% may have all the characteristics of "quality small caps". So, the story is all about stock selection.
Important Notification – We at Paul Asset, recommend high quality, high conviction fundamentally strong small cap or mid cap stocks on every month.Check out what our existing clients are saying. Click here to check our detailed service offering.
Few months back, I had noticed a portfolio allocation pyramid in a financial portal. Through the pyramid, they suggested that large cap stocks should comprise 50%-60%, mid cap should 25%-30% and small cap should 5%-10% of an equity portfolio. As per our view one should not divide portfolio stocks based on market cap. Today's large cap can become tomorrow's small cap (Example –Suzlon) and vice-versa.Your portfolio should only consists of "quality stocks". It is absolutely fine even if you have 100% exposure in "quality mid cap and small cap stocks".
Misconceptions regarding small cap investing is rooted so deep that many investors may not accept the fact that even small caps and mid caps can offer more safety, better dividend yield and obviously better return than large cap stocks.
Comment section is open. Existing members of ours or new member/guest anyone can share your views regarding the same.
31 comments on "Largecap stocks won't offer safe and steady return always"
Regarding the portfolio allocation pyramid of equitymaster, I was partly a victim of that pyramid that my average return was around less than 15% over 5 years. I got to see above 30% "average" return and developed convention after seeing couple of ace stock pickers like Paul Asset that getting 25% cagr or above is indeed possible and achievable over long term of bull and bear phases.
That portfolio allocation pyramid is to ensure that they get subscription to 3 separate products. Client will only get average or below average returns. Beating the index is not the goal.. Getting a certain cagr return (averaged over long term as stock market is volatile and nonlinear) is, for an investor of money. An advisory has to guarantee a minimum cagr return collectively for the portfolio of recommendations. Look for this assurance that reflects the conviction and confidence in such investment recommendations while choosing your investment advisor/guide/teacher.
Your views on investment based on strong fundamental companies is highly appreciable so that investors do not lose money.
I agree with prasenjit.Follow his advice for a hassle free returns of at least 30% PA.
very nicely explained… but I have seen many analyst and brokerage companies provides high yield dividend stock to pick… I would like to know why do then prefer to invest dividend paying stock rather than fail to check the capital appreciation on the stock. or is that if there is high dividend yield means high capital appreciation too?
what is the liquidity point of view for large and small cap? does large cap give more safety there?
liquidity is the fear factor for many (may be for nowise) investors… but take example of kingfisher even co. is about to scrap, share is still trading how is that so
You are right Prasenjit! I am holding largecaps (Infosys, TechM) for past 1 year and the returns is only 30% where as the small/mid caps provided up to 500% returns (cera, wimplast, vst tillers, dhanuka). I bough all these as they are "quality stocks".. but largecaps have sluggish profit reflection.
A vital secret to picking a multibagger is its illiquidity. As the stock gets discovered or rediscovered, liquidity goes up. Even highly liquid stocks can come down by 20% in a given day if something goes bad (it is just demand supply equation). A less discovered stock could come down further till it finds enough buyers. If we pick a high quality business, liquidity does not matter; when we decide to sell, liquidity levels would be high by then. It is OK to forego a little if a lot is made on that stock.
Dividend yield provides downside protection. If a stock comes down, its dividend yield goes up and new buyers would soon come in. Example vst industries just after 2014 budget day. If your goal is capital protection, go for pure dividend yield stocks. If your goal is capital appreciation, go for high growth stocks. If your goal is capital appreciation with downside protection, go for high growth stocks with dividend (like Page in Prasenjit's writeup; due to growth, dividend yield at purchase price becomes significant as years go by, along with further capital appreciation). As Prasenjit said in his article, key is to pick high quality stocks. Don't feel bad if you have to miss lot of money making opportunities (these days all stocks are multibagger). If your long term goal is wealth creation, stick to high quality stocks, and more importantly high quality trusted advisors like Paul Asset.
Infosys once upon a time was 30% compounder. Now it is struggling to get back its growth (it is now below industry average while in yesteryears, it set the industry trend). It would soon become a dividend yielding stock if management can't plough back the profit for further growth and decides to hike dividend. If you keep waiting in such large caps, your average cagr would come down. So always evaluate your initial investment rationale (at buy) on a given company if it is still valid and if not found OK, sell immediately. Don't invent a new rationale to stick with that company as that rationale would not be sound mostly.
What about disclosure levels where large cap companies may disclose more or even if they don't disclose an event, impact may be fractional (but depends on nature of event though). In small caps, impact would be very high. Additionally management of large caps would have more frequent analyst meet and press meets in addition to quarterlies. Mgmt of small caps may not be willing to meet analyst or answer their queries.
Dear Mr. Prasenjit , I am not fully convinced with your argument that small and mid cap stocks give better returns always . Take the examples of Sun Pharma aand ITC . From 2008 January to 2014 January ,these two stocks gave 200% plus returns (Sun Pharma 400% plus ) .They set an envious example of stability with exceptional profitability in a long bear phase which no other company in the world perhaps surpassed yet .
However, I am fully agreed to you on the point that Stock Guru like you has successfully proved it again and again that your insight and superb quality of exploring those hidden gems of mid caps and small caps like Can Fin Homes ,Caplin Point , Suprajit Engg etc convinced that how a quality midcap or a small cap can make miracles !
Thank you once again for bestowing more faith and trust on you ! We will expect more small cap recommendations from you in the coming days !!!
Dear Mr. Prasenjit kumar paul, I am taking your stock recommendation service from April 2014 & I am more than happy & wanted to endorse you for your quality work but I did not want my full name to be displayed,since I am employed in some organization & dont want to give any clue because it can hamper my Job. Thus I am commenting from visitors column. I was in huge loss before taking your service. I remember, on 4th April when I suffered a loss of around 7000 INR in single day because of the "Trial Call" given by so called well known Stock analysis firm "HBJ Capital". I was very sad & was searching on google by typing "Honest & good Stock analysis Companies". I eventually clicked for next page & I found a statement " You can not suffer overall loss by following my all recommendations". I read that & read many other articles like "Dont sell Yes Bank, o/w u will repent later" & many more. It was a turning point for me. I suscribed your 4 month trial service & within that time period I recovered around 36000 INR(30% of my overall loss120000 INR). Now I just want to say that what you are offering is simply awesome & I think in the terms of quality stocks what you are recommending, not a single stock recommending firm in India can beat you. You had recently said that SENSEX will touch 27000 mark before December 2014 & now the result is in front of us. I have also subscribed "Equity master Research's" hidden tressure service but your stocks e.g. CAPPL, CANFINHOMES, etc are giving far better returns than those.
Dear Prasenjit,
I do agree with you on this count. It is the quality of the stock that matter rather than large cap or mid or small cap. Any quality stock will give you returns above average. Market capitalization shall not be the yard stick.
But the point remains is how to identify them. Every body may not have the expertise or access to all relevant information about a particular stock. one may not have enough time as well to study all them.
Second point is, there are many rumors in the market, positive and negative about any stock, which to believe and which not to, is the vital question.
I think for all these you are providing excellent advice. It has not been very long time, I am with you, but I feel your stock tips are well researched.
Thank you and wish you all the best. I intend to have a long time association with you.
Hi Paul,
This article clearly bring out the fact that a small cap can also have steady returns, safety and growth potential. Making a blanket statement about all small caps or all large caps will not be correct. There are several variations, exceptions and niche stocks around.
There is another group which believes that small/mid-cap should give better returns than large-cap. Ultimately the choice of stock matters, whether its small, mid or large. And this is also based on past performance, valuation, and future prospects.
Your small/mid-cap recommendations are based on thorough analysis and assessment of future prospects. So its the careful selection and analysis of these stocks that increases the success rate. I just wanted to emphasize that for any stock (big/small) one has to do through research or take professional help before investing.
Hi prasenjit,
I am one of your new members. I am looking forward to learn from you build wealth over a period of time.
The article was very interesting. I have one request. Could you also compare the index with the small and mid cap index during the period we have compared sbi and cub and also ajanta ans sun pharma.
The purpose is not to prove anyone right or wrong. Just to see how index have performed vis a vis each other and then see if the movement was helped because of better performance of all mid caps or even if markets are not doing well a good quality large cap or small cap also help in limiting the downside.
Dear Mr. Paul,
I agree with your argument on quality stocks.
Normally how the stocks are recognized as quality stocks is based on past performance, Management Commitment and transparency, and other several indicators. These indicators are publicly accessible for large companies and because of the size and sheer momentum the Large caps are recognized as quality stocks. Hope you would agree that there would be more quality large cap stocks than quality small cap stocks (as a ratio). This makes the market to recognize the large cap stocks as quality stocks with ease. Small caps are viewed with doubt. Naturally the quality small caps will have large growth opportunities against till they become large cap. However, what I am reading on the comments section is that you are there to take care of identifying true quality small cap stocks.
I am new to your portal. Seeing all the good comments I opted for 4 month trial period. Upon good experience I shall be a long time associate with PaulAsset programs.
Satya V M
After seeing all the above returns it seems in coming future returns will be over as all companies will already by super saturated.
Dear Prasenjit,
I am a very very new user of your website and still on 4 month trial, but I am already very much convinced with your stock picks even though I am yet to receive my returns as this is just 10th day may be, but I have gone through most of your articles and reasoning and I find myself extremely lucky to get in touch with you.
you and your work desrves lot of appreciations and I am without any doubt will recommend your work to my family and friends, this is what I can do for you at the moment "word of mouth appreciation".
harshit solanki
a satisfied client.
Keep it up


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5 Simple Techniques For Need To Sell My House
Charge Research: Should you're selling your house and obtaining An additional, head over to Bankrate.com to find the most effective home loans rates right now.
You can settle for a proposal to order a house though it remains to be in probate, should you strictly comply with your state's principles. The probate court will check all aspects of the sale. Be aware that the executor or administrator of your estate also will have to watch and approve the terms of sale.
Great…kudos for spending some huge cash and Power for a thing Completely impractical and worthless. In other fairly connected information, numerous homeless around the world are in dire need of housing to shield them in opposition to illness and Demise.
The Fact About Need To Sell My House That No One Is SuggestingWith the affirmation hearing, another customer, ready to about-bid the recognized gross sales price, may possibly show up using a cashier's Examine for a minimum of ten percent on the least over-bid cost, as based on the prevailing probate principles. Should there be many in excess of-bid buyers, the rules are straightforward: Greatest bidder wins the house.
5 Tips about Want To Sell Property You Can Use TodayInitial, get in touch with your existing lender to learn precisely exactly how much you need to pay back. You'll want to buy a beneficiary statement. Then take a look at new funding provides from your have lending establishments and credit unions.
Usually, When the estate just needs liquidity to tidy in excess of for over the probate process, I have entry to funding sources.
About We Buy Ugly HousesThe escrow organization informed me I didn't sell properly. I told him it's the traders controling the profits selling prices, and if they do the sellers get royally screwed.
Probate guidelines vary from condition to point out. In all scenarios, on the other hand, you will discover precise processes, needs and deadlines that rule every single circumstance and every asset from the deceased person. Selling a house when it continues to be less than probate court docket jurisdiction permits small "creative imagination.
So the Tips should be to style and design a good flyer presenting your property, and mail to cash customers. Say the property isn't out there over the MLS and present them just how much it can be rented for, the amount of it needs in repairs, as well as their likely return on investment. If it is a good offer — and Meaning about 6-seven% in some marketplaces, individuals really should soar on it.
Most knowledgeable buyers (myself included) will not get Attributes at retail rates; as a substitute, we obtain them at wholesale prices just as most other businesses purchase their supplies at wholesale price ranges. We really need to acquire at a reduction to account for the varied charges required to rehab, industry, and sell Just about every property.
Gimme shelter… and a few Gravol. These strange and weird upside-down houses may be awesome destinations to visit however, you wouldn't want to live there. Think about waking up during the middle of the night, forgetting in which you are… seeking to locate the toilet would be the minimum of your challenges.
This is one way to get men and women to stroll by way of your product dwelling. That is a true vehicle upside-down while in the carport, genuine standard dimensions household furniture was hung through the "floor" inside of.
5 Simple Techniques For Upside Down HouseYour points about finding a real estate property agent now was great. Also, your factors on Online advertising was excellent. I'd hardly ever listened to of internet sites that precisely focus on real-estate investors. You may have good ideas. Many thanks!
In fact, this house type of tends to make you wonder the way it may even hold with each other. Even by stabilizing the household furniture and decor, wouldn't the pressure crash the house?


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Phone: 251-947-4003
Degrees and Certifications:
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Mrs. Lanette Randall
After graduating from Robertsdale High School, I attended the University of South Alabama. It was from the University of South Alabama that I received my Bachelors Degree and Masters Degree in Early Childhood Education. I taught kindergarten at Robertsdale Elementary for 10 years and am proudly beginning my 15th year in second grade.


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Critical Appraisal of Published Research
LDB Committee
Wednesday, 7 November 2018 from 19:00 to 22:00 (GMT)
Event Details
Dear members,
The next LDB evening meeting will be on Weds 4th July, One Park Crescent, 1 Park Crescent, London W1B 1SH
The topic will be ' Critical Appraisal of Published Research'. This will be presented by Dr Simon Otter, Principal Lecturer and Professional Head for the Podiatry Division at the University of Brighton. This will start at 8pm.
This presentation seeks to consider to process of undertaking research and audit, using examples from the field of sports medicine. The session will consider the key stages from developing a research idea through issues of ethical approval and data collection to writing for academic journals with interactive opportunities for delegates
Technology permitting, we'll also be streaming the lecture on FB live too on the London District FB Page
There will be refreshments available and a copy of the presentation and an attendance certificate will be sent to attendees post-meeting.
Non-SCP members welcome to attend meeting subject to £10 admission fee
For further information please contact firstname.lastname@example.com
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One Park Crescent
1 Park Crescent
W1B 1SH London
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Wednesday, 7 November 2018 from 19:00 to 22:00 (GMT)
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LDB Committee
The London District Branch committee organise evening CPD meetings and CPD study days for London-based members of the Society of Chiropodists and Podiatrists.


text:
Englisch-Deutsch Übersetzungen für das Wort: purports
|INTRODUCTION E Americans devour eagerly any piece of writing that purports to tell us the secret of success in life; yet how often we are disappointed to find nothing but commonplace statements, or receipts that we know by heart but never follow.
|The paragraph from the Courier and Enquirer, which is now going the rounds of the press, and which purports to claim the invention for a Mr. Kissam, of Brunswick, Maine, appears to me, I confess, a little apocryphal, for several reasons; although there is nothing either impossible or very improbable in the statement made.
|Come I am determin'd to unbare this broad breast of mine, I have long enough stifled and choked; Emblematic and capricious blades I leave you, now you serve me not, I will say what I have to say by itself, I will sound myself and comrades only, I will never again utter a call only their call, I will raise with it immortal reverberations through the States, I will give an example to lovers to take permanent shape and will through the States, Through me shall the words be said to make death exhilarating, Give me your tone therefore O death, that I may accord with it, Give me yourself, for I see that you belong to me now above all, and are folded inseparably together, you love and death are, Nor will I allow you to balk me any more with what I was calling life, For now it is convey'd to me that you are the purports essential, That you hide in these shifting forms of life, for reasons, and that they are mainly for you, That you beyond them come forth to remain, the real reality, That behind the mask of materials you patiently wait, no matter how long, That you will one day perhaps take control of all, That you will perhaps dissipate this entire show of appearance, That may-be you are what it is all for, but it does not last so very long, But you will last very long.
|Each of us inevitable, Each of us limitlesseach of us with his or her right upon the earth, Each of us allow'd the eternal purports of the earth, Each of us here as divinely as any is here.
Weitere Wörter


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Donate here or mail a check to:
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Google News: Frenchies Out, Supremicists In
Google News (still in beta–that ought to be a website. I see that somebody owns www.stillinbeta.com), as you no doubt know, aggregates 4500 online news sources. It's a god-send to the PR and marketing industry–it's a crucial means of tracking of who's mentioned where. Here are two peculiar stories about the site:
The 4500 news sources are picked manually, and apparently include National Vanguard (hey, first use of nofollow!), a white supremicist site. While I think these people have the right to publish whatever they want, I'm not sure they belong in Google's news site. When you get down to it, though, the issue's pretty complex.
What is Google's criteria for inclusion? What should it be? I note, for example, this story about white student protesters being attacked throughout France. I can't find another English-language news source in Google that corroborates it. Does this mean the story is all lies, was it under-reported in the English-language media or am I just lousy at searching? In either of the first two cases, are we better off with or without this biased news source? I see that Google News includes a pretty dubious-looking source (though less extreme, admittedly) from the left-wing camp.
Clearly, as the number of news sources increases, a hand-picked set of sources in Google News becomes less effective.
It's these fraught philosophical questions that Google should shun. They should solve the problem technologically, by offering a Feedster-like news search, including every RSS feed on the planet. Users should be able to rank sources by authority, so that the New York Times will trump dodgy websites. Until such time, of course, that dodgy websites become legitimate, trusted news sources and their authority grows accordingly.
In another, totally-unrelated story, the French news agency AFP wants out of the Google News directory (via Andy Lark). Why you'd want to encourage fewer people to read your news, I'll never know.
One Response to "Google News: Frenchies Out, Supremicists In"
"Users should be able to rank sources by authority, so that the New York Times will trump dodgy websites. Until such time, of course, that dodgy websites become legitimate, trusted news sources and their authority grows accordingly."
While I agree that this would certainly help reduce the "dodgy" news outlets I have to wonder what ranking CNN would get. Besides, as you well know, even trusted news sources are nabbing "news" from blogs and printing them as fact in their stories.
I think many people are aware that mega news corporations aren't as trustworthy as they'd like us to believe so allowing readers to decide what news source was best could certainly create some interesting, if not comical, results.
Comments are closed.


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1919 World Series Game 2 (Black Sox) Ticket
Oct 2 1919 World Series Game 2 Ticket Stub ( Black Sox Scandal ) Reds -4 White Sox -2.
PSA Grades Ticket Stub VG 3
Oct 2 1919 World Series Game 2 Ticket Stub ( Black Sox Scandal ) Reds -4 White Sox -2.
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Biggest box office movies of 2015
2015 was a big year at the box office, with records being broken basically almost every month. Check out the top 10 biggest movies below!
1. Jurassic World ($1.669 billion): Universal's decision to reboot the dinosaur-filled franchise was probably their best ever, as it went on to gross over a billion dollars in just 13 days, a record it held until yesterday.
READ: Star Wars: The Force Awakens Sets Record For Highest Box Office Debut
2. Furious 7 ($1.515 billion): The latest in what has now become a box office hit series, Furious 7 surpassed the $1 billion mark in 16 days as movie viewers trooped out to see Paul Walker's last performance.
3. Avengers: Age of Ultron ($1.405 billion): Age of Ultron may have fallen short of its predecessor, but it's an Avengers movie nonetheless, and that's enough to gross big bucks.
4. Minions ($1.157 billion): The incoherent, yellow Minions warmed their ways into the hearts of movie lovers through the Despicable Me movies, and their stand-alone movie was a smash hit.
5. Star Wars: The Force Awakens ($1.091 billion): The movie has been out for only 12 days, and its been 12 days of record shattering for the latest movie in the iconic franchise.
6. Inside Out ($852 million): Pixar's emotional masterpiece resonated with both young and adult audiences, and it made its way to becoming the year's second biggest animated movie.
7. Spectre ($850 million): Daniel Craig continues to drive controversy as he plays fictional great spy James Bond, and also drove watchers to the theatre.
8. Mission: Impossible — Rogue Nation ($682 million): Tom Cruise has had his fair share of box office bombs, but back in his Mission: Impossible role, showed that making a hit movie isn't that impossible after all.
9. The Hunger Games: Mockingjay — Part 2 ($617 million): Mockingjay – Part 2 marked an end to the hugely successful franchise, and Jennifer Lawrence made sure they went out in style.
10. The Martian ($594 million): No one expected Ridley Scott's The Martian to be such a hit, but crazier things have happened on Mars.


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We have no way of knowing whether dogs feel love, or anger, or fear that is the same as human emotions, because dogs have zero ability to engage in human conversation. We can assume that the mind of a dog works completely different from the human mind.
Originally posted by phl0gist0n
Sorry, but I still say this was an obvious hoax. Fake dog and fake yelping. Someone even found a place you can buy a fake dog that looked exactly like the one in the video. The Marines probably kicked the guy out because he made them look bad, and rightly so.
Originally posted by The Sensei
I suspect this as well, when I first watched the video the fact that it yelped when flying through the air puzzled me ? wouldnt it be in shock or something ?
Originally posted by star in a jar
This video is just a misdirection. A sweet little puppy? Child rapes have been committed in order to force watching insurgent-parents to squeal... The soldiers who did this probably hasn't been punished to keep this story lidded up as much as possible. If you didn't hear about it... It never existed.
This is just the tip of the iceberg.
Originally posted by bitbeam
i think it's natural for any compasiionate human to be appalled by this situation, but let's not forget that modern societies such as ours routinely slaughter hundreds of thousands of animals a day to feed our society that is "on average" overweight, our concerns should lie with these animals too.
I live in UTAH and this state passed a law that hurting ANY animal is a FELONY.
The least the guy should be charged with is a FELONY.
[edit on 13-6-2008 by theRiverGoddess]
Originally posted by mOOmOO
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If you add a tip of 20% to the Boykin, AL cab fares, Uber looks like an even better deal and beats out other Boykin, AL taxis' prices.
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The wrapped gift sits alone under the plastic tree. Lights that should festoon the night hang dull and dust encrusted. The cord that once connected to the power socket is unplugged. The door stands open and snowflakes drift in eddies into the cold hearth. The capsule that holds the memory in my child's pale hands is a blown glass ornament. Within the orb a green tree in miniature stands, festooned in lights that wink. A miniature fire flickers within a fireplace. A gift box lies open on the ground. A child holds aloft a small ornament that catches the light.
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This garden, this England etc etc (parody on Dicky 2 from Billy Shakespeare).
Let me start with the news that we are back from holiday in northern Scotland in proud possession of two (possibly three) young rhododendrons from the garden at Stonefield Castle - picked up on the way back. Yes, the Mull of Kintyre is a strange way to return from the Summer Isles but that is what we did.
Secondly the 'do not go away' adage for gardeners applies - lawns now recovered somewhat - but the asparagus is twisted and stunted. (We have eaten it and it is okay (ish)). I thought that it might have been slugs hence the buried jam jar part full of cider (cheaper than beer in a screw top). And I have caught some victims. However I now think I have the dreaded cutworms in the bed. These are moth caterpillars and there is not, much I can do if we want to eat our asparagus. Perhaps an insecticide after we stop picking? Not too keen on chemicals on the fruit and veg.
Not a sign of a nesting swallow nor house martin. The tree sparrows are once more ensconced in the old martin nest under the eaves and then we found a dozy collared dove has made a rudimentary nest of sticks on the green oak beam above on of our seats. It matters not that I sit there and read, she sits firmly on her nest and must have eggs. It is not a bad place to nest - sheltered and pretty safe from predators but they do strike me as a bit mentally slow birds.
Up in the wood the three yellow azaleas are in bloom and scent - such a heady pong.
The wood still has bluebells but they are now giving way to campion and pignut, herb Robert and wood avens.
The wild garlic or ramsons has been splendid if not the most sweetly fragrant plant in the wild garden and the top pond is choked with watercress - both the wild and the cultivated variety.
I have bought a second hand chipper from a friend (the old one I had died) and this will, I hope give us some wood chipping mulch to put around new shrubs.
The Bramley apple tree is clearly not on a dwarfing rootstock as it is shooting skywards and picking poles will be needed (if we have fruit) - (we have blossom).
R has been weeding, I have netted strawberries and red currants but am disappointed at the no show of the various sowings of flowers and broad beans. The sweet peas in the shed are through though.
Time is approaching for the return of Fiona Clucas and the realisation of my Christmas present from R - a painting of the garden. Excitement reigns - like my paintings.
Whilst in Scotland we loved the silence and the dramatic scenery - this is Suliven from above the Kercaig Waterfall.
This has nothing to do with gardening but just sitting on that hill and looking over the expanse of moor to the mountain made me realise how small a 1.75 acre garden is.
One other peak which was visible from our cottage was An Teallach. Oh! The wonders of the gaelic language and its pronunciation (let alone its spelling.)
Give it a go.
And whilst you are contorting your tongue and lips here is another photo from our cottage of a sunset over Rubra Mor -
So, here you are - it sounds something like - An Tchollock.
I hear cries of anguish from the Gaelic world at my attempt but that is what it sounds like to me. Anyway I can pronounce Aberlour, and Talisker - at least when open the bottle.
Did you know they have whisky distilleries now in Switzerland!
Anyway, not as good as the Japanese stuff. (That will get me into trouble again.)
Still, good to be back in our own claustrophobic plot.


text:
Jonathan and David sit down with Rob Maxey to pick his brain about doing effective outreach ministry to unchurchedteens in the Sacramento area. Not only does he share tactics about reaching kids ON SCHOOL CAMPUSES, but he also talksabout his off-church-campus site, "The Barn," where he hosts weekly events geared to reaching teenagers with God'struth.
When you hang out with kids, tell us about how that happens, your programming.
We try to reach a wide spectrum of kids and so we do different things for different groups of kids. Mondaynight will be a high school campus life outreach event. So, we'll have high energy, we'll feed them, we'll BBQ, we'llplay dodge ball... But there's always about a 30 minute serious discussion... some of these non-church kids, they have noboundaries, but we say, you need to respect the adults, you need to respect "The Barn." We know what your language islike, but we would ask that you don't cuss here, and if you do as a matter of fact, we're gonna ask that you do 10pushups. And so now, you just see kids dropping all over the place. We used to have to catch them but now....
I noticed there's a lot more very strong kids with very large pecs in that area.
That's right.
'Do you work out? No I just go to "The Barn" and cuss a lot.'
'I just go to "The Barn" and curse like a Marine.'
No, that's good. Hey you said you use 30minute discussions. Sometimes outreach ministries have the reputation of
'Oh, it's all just fun and games - no content.'
But you actually really go toward... making sure. Do these discussions actually open the Word?
Oh absolutely. Absolutely. We've found that, we've beat around the bush about God, and we've tried to be veryseeker sensitive and it just hasn't been very effective, because at the end, the kids are like,
'Why don't you just tellme what you really want to tell me?'
They're there because they want to know the truth.
Instead of trying to be so Christian PC.
Yeah! And so, Jesus is appealing to everybody I meet on campus. They're interested about Jesus, and so, we'lljust talk about His life. We'll have a series on "This is how Jesus interacted with people,' and they're curious. It'll bemaybe a 15 minute talk, it'll be a video clip, and then we'll break up into small groups, often getting our stuff from
The Source
, I have to admit.
I love it.
That's an unpaid endorsement, right there!
That's awesome, man! We'll you know, when it's ready made and it's neat, cause I hear it from youthpastors all the time. They say, 'Thanks for
The Source
for providing this stuff, because it gives us more chanceto hang out with kids, and we just print off your resources and use them.'
They all think I'm a genius by the way!
'Man, you watch a lot of movies! You're great!'
Well, you know, David's one of the guys who writes a bunch of that stuff. So, thank him.
And that Monday that you were just talking about, is that a couple of hours?
Yeah. 7-9. We feed them. We begin with food; we end with food. And a lot of games. 30 minutes of the 2 hoursis intentional discussion, small group time, large group setting. Very, very structured.
Cool. So, what's happening the rest of the week in "The Barn."
Click here to listen to Rob share more of his practical tips for engaging unchurched teens on the school campus and in his ministry setting.


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Inspectors will visit schools which pass their inspections but which have under-achieving subject departments or year groups to check on their progress.
Ultra-light-touch, one-day inspections for the top 20 per cent of schools and increased monitoring of those given notice to improve are the other changes.
The proposals are aimed at increasing the pressure on underperforming schools after ministers promised to close schools in special measures which fail to show significant improvement within a year. They build on the short-notice, light-touch inspections based on school self-evaluation introduced in September. Satisfactory schools are currently visited once every three years.
Ofsted said: "We have looked closely at schools which have been judged satisfactory and think that many of the schools where there are pockets of underachievement could be doing better.
"We don't think satisfactory is good enough for the pupils involved. In addition, we are concerned that some of these schools deteriorate between inspections and are in danger of falling into a category of concern when they are reinspected." A spokeswoman said pockets of underachievement could include weak performance by specific year groups, boys or girls or different racial groups.
Trials of the new monitoring visits will begin next term. Inspectors' judgements will be published in a letter sent to the school and local authority and published on Ofsted's website.
John Dunford, general secretary of the Association of School and College Leaders, said: "In principle we support more proportionate inspection but the proposal to inspect more often some of the schools graded satisfactory is completely unacceptable. Schools need a coherent support programme, not more inspection."
Under the new proposals, the progress of schools given a notice to improve will be monitored by inspectors after six months through schools visits or telephone conversations with the headteacher and local authority.
These schools, which have serious weaknesses or are judged to be coasting, will still face a full reinspection after one year. There will be no changes for schools in special measures, which are already subject to monitoring.
Proportionate inspection:A consultation document is available from www.ofsted.gov.uk


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alright... I MADE IT!! I made it until the end of the year! I spent the last day of school getting my classroom organized and ready for next year! On Pinterest and other blogs, I saw teachers cover parts of their file cabinets with scrapbook paper. Now, at my school, you take whatever you can get your hands on, not matter how it looks! So I decided to try this out! And it worked out well!! I covered the rusty top and put labels on the front!
I will miss my classroom until next year...
This weekend, David and I traveled to St. Simons for a wedding! And wow were they lucky Beryl held off! It was absolutely beautiful on Saturday! It worked out perfect because it gave me an excuse to go see my good friend Sarah T!
The wedding was beautiful too! It was outside and the temperature was perfect! During the wedding, they had horse carriage rides going on and dancing on the lawn. It was so fun!
Even though tropical storm Beryl wanted to stop us from having a good time, we were able to get plenty of sun! Just before we left, we decided that even though there were 60 mph winds, we wanted one last walk on the beach. And sure enough, we were in the background of the Weather Channel coverage of the storm for awhile! It was pretty cool!
We had a great weekend!! Only 19 days left until the BIG day! :)


text: We were at a park so I took the opportunity to work a bit on perfecting my talent with the sports setting on the camera. They make it sound so easy in the book. I guess even the professionals take boat loads of pictures before they get one they are happy with.


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Lockout Law Memorials
Our most famous artists fight to keep their city's culture alive.
Creative direction, artist liason, activation, production, publicity and media planning by yours truly.
Creative direction and design by Tristan.
Flowers by Sophia Kaplan and Emilie Sullivan.
Photography by Pat Stevenson and Sam Macdonald.
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It's time to take our city back.


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Brick offices with massive hardstand areas
Refurbished brick offices from 260 - 520sqm with excellent exposure to Tourle street . Offices will be re-painted, carpeted and refurbished to a quality standard. Generous parking numbers will also be available.
Hardstand areas also available to lease from 3,000sqm - 10,000sqm with access from Tourle street.
Call Knight Frank on the details below for further information.
Expressions of Interest
Date and Time:
Recipient name:
Delivery address:


text:
Legal Information for buying and selling a home in Panorama Hills Estates
1. The Panorama Hills Estates Homeowners Association executive board members are volunteers, but its accounting service is not and we are charged for inquiries regarding the status of a member's account. To recover this cost, please be advised there is a $50 plus GST administration charge for providing information about the status of a Member's account.
2. All fees remain the responsibility of the current homeowner and must be discharged prior to the sale of the property. 24% interest per annum is applicable for overdue accounts, as are all legal fees associated with collection. All accounts however, MUST be verified with the Association for any amounts payable.
3. The owner of the home is legally responsible for paying all outstanding fees. Please pro-rate the fee between the seller and the purchaser to reflect the number of months lived in the home. Please note the Panorama Hills Estates Homeowners Association does not accept pro-rated payments. This must be done between the buyer and the seller.
4. Please e-mail us firstname.lastname@example.com with the name and address of the new purchasers, possession date, and whether this is intended to be a primary residence so we may maintain accurate records.
Warning: Addresses NOT in Panorama Hills Estates
Please Note: Panamount and Panatella addresses are in the Genstar phase of Panorama Hills. They are not part of Panorama Hills Estates.
You can contact the Northstar Residents Association at:
88 Panamount Hill NW
Calgary, AB T3K 5R9


text:
I had just arrived home with our three children from a quick trip to the grocery store. I hadn't even taken off my jacket as I started to put away the food we had purchased. JJ was happily following me from the kitchen to the pantry, helping me unload the grocery bags. When I set a bag of flour on one of the pantry shelves, I heard a small sound. Kind of like a little cracking sound. I heard it again and I instictively reached both of my hands up and stood with one knee out. I grabbed onto the pantry shelving unit as it started to buckle and separate from the wall. It all happened so fast. Our pantry was about to possibly collapse. "Wubs! Wubs!" Wubs came to my aid quickly and I asked her to pick up JJ and carry him into the living room. Then I told her to bring me the telephone and close the pantry door. I knew that this could be dangerous if the shelving fell down, and if someone was going to get hurt, I only wanted it to be me! wink. Wubs did great! She babysat her siblings while I was locked in the pantry, holding up the five shelves. I called the church and asked to speak to David. I tried hard not to sound panicked as I told my wonderful husband about the current situation. He came right home (he was here in no time!) and he found me in the pantry, doing my best to prevent the shelves from crashing down. David handled everything! He got all the food off the shelves and removed some of the boards, so I was able to let go. I started crying with relief! I was so grateful that the Lord had orchestrated every detail in such a way that no one got hurt! Here are a few pictures from the excitement!
|The boards were removed from the shelving unit, but you can see where one whole side had pulled away from the wall.
This is a picture of our kitchen counter, covered in pantry items! Our children have never requested so many snacks as they did yesterday afternoon. wink!
David is going to install a new shelving system and I'll be sure to post an update!
"May the Lord direct your hearts into God's love and Christ's perserverance."- 2 Thessalonions 3:5