text:
Lessons For Selling Non-Performing-Loans
We hope you had a very pleasant and relaxing summer. The Sein team spent the past few months working on a very difficult, but exciting transaction. Though we were disappointed the transaction never closed, we wanted to reflect on some of what we learned. We would like to thank all the folks that worked with us on the transaction, Kofi Obeng at AOC Securities, Michael Tiraboschi at FNBA, and Michael Sonnenfeld at WMB Asset Management and the other bidders who participated in the bidding process.
In March we were signed on as sole agent to collapse four legacy RMBS transactions to monetize the residual/equity by the Master Servicer (from here on our client) with the right to call the transactions. We spent the first four months confirming to the servicers, EverBank and Ocwen the rights of our client under both the Pooling and Servicer Agreement and the Subservicing Agreements with both servicers.
Finally, in June we were given access to the closing and loan documents that would be needed during the due diligence process. Based on the pool summary tape we marketed the pool as a seasoned Alt-A pool. We entered into exclusive separate LOIs with a performing and non-performing buyer for the entire pool at a blended price of approximately 97 cents on the dollar. During due diligence of the loan files we quickly discovered that the files where incomplete and disorganized. Further, we realized that 70% of the pool was either HARP modifications or Chapter 7 discharges.
Based on the auditing, we re-classified the pool as a scratch-and-dent/non-performing loan (NPL) pool and put it out for bid a second time. We received 5 bids in the range of 82-86 cents on the dollar. The seller, our client, summarily dismissed all bids and withdrew the transaction.
Our team blamed ourselves believing we did not get best pricing for the client. That is until we came across a blog post from Fannie Mae detailing pricing on their most recent NPL sale. Pool #2 from the Fannie NPL sale is closer to the characteristics of the pool we put out for bid. Except, the average LTV on our pool was 55% versus 68% on the Fannie Mae pool. However, unlike the Fannie Mae pool our pool suffered from geographic concentration in NY, a judicial state. The 75% NY state concentration and shabby documentation implies that our pool would trade at a slightly higher discount.
- Provide regular updates on factors that may adversely affect pricing and make sure the client updates their expectations and mark.
- Before putting out a pool for bid, audit the loan documents and ensure that the information provided meets all RESPA Regulation X rules.
We'll now look forward to the long Labor Day weekend with an eye to coming to market with similar transactions in the fall.


text:
Weekly Softball Pitcher and Catcher Clinics start March 13th
PBSF Softball Families, We are pleased to announce the return of weekly pitcher and catcher clinics starting March 13th with support from PHS Head Coach Jen Deering and several star high school players. What: Weekly clinics for PBSF players interested in developing their softball pitching or catching skills. Pitchers should bring someone to catch for…
Summer Softball Skills Camps
Piedmont Rec has two softball skills camps this summer Ages 8-11 & 12-18 • Jen Deering In this camp, students will learn all of the major skills involved with the sport of fast-pitch softball. Each camp day we will focus specific areas, so that the players can truly learn one thing at a time. The clinic includes: how to…
Softball Clinics
Start the season with a great clinic run by PHS Varsity Softball coach Jen Deering and the PHS softball team. Feb 27th 9 am-1:00 at Beach Field. 6U & 8U 9am-11am | 10U & 12/14U11am-1:00pm.
Get In Touch
We would love to hear from you!
p 408.999.9999
f 408.888.8888
e email@example.com

subset: commoncrawl


text:
About Pinnacle CartWhether you own a small business or a larger retail corporation, you know that selling online is absolutely essential in the digital age. However, setting up a digital store can become quite challenging. That's where Pinnacle Cart comes in. Pinnaclecart.com offers full sales website hosting, shopping cart set-up for existing sites, and various custom configurations to support your business needs. When you want a specialized design, you can consult with Pinnacle Cart's web-building team to select design aesthetics, choose shopping cart layout, and more. This company works with you to make sure you get the site you want for a good price.
This site also offers shopping cart programs that support a variety of languages, making it possible to sell across the world. You can set your own pricing system that calculates shipping based on weight, quantity, or other stipulations.
You can save money on Pinnacle Cart services and designs when you shop with coupons or promo codes, and you can help the world when you shop using Giving Assistant. Giving Assistant makes sure your purchase benefits worthy charities, and all you need to do is shop as you usually would. It doesn't cost anything more.
|Total Offers
|Coupon Codes
|Best Discount
|30% off


text:
February 07, 2014 18:00 ET
TORONTO, ONTARIO--(Marketwired - Feb. 7, 2014) - Amerix Precious Metals Corporation (TSX VENTURE:APM)(FRANKFURT:NJGN) ('Amerix' or 'the Company') is pleased to provide the following corporate update resulting from the Annual and Special Meeting of Shareholders held on January 31, 2014.
The six nominees as proposed by the Company were elected to the Board of Directors. The elected directors are Mr. Steven Brunelle, Mr. Luciano Borges, Mr. Robert Crombie, Mr. Daniel Noone, Mr. Jeffrey J. Reader and Mr. William R. Whitehead.
MNP LLP, Chartered Accountants, were re-appointed as auditors of the Company for the ensuing year.
The shareholders approved a resolution re-approving the 10% rolling stock option plan of the Company in accordance with the policies of the TSX Venture Exchange ("TSXV").
The shareholders approved a special resolution authorizing an amendment to the articles of the Company to consolidate the Company's issued and outstanding common share capital at a ratio of up to twenty (20) pre-consolidation shares to one (1) post-consolidation share. The Board of Directors has the authority to implement the consolidation at the ratio of up to 20 to 1 at any time and will be permitted, without further shareholder approval, to select a lower consolidation ratio if they deem it appropriate. The proposed consolidation is subject to approval of the TSXV.
The shareholders approved a special resolution authorizing the Board to amend the articles of the Company to change the name of the Company to any name it deems appropriate in accordance with applicable corporate law and the policies of the TSXV.
The Company also announces that Mr. Daniel Noone has decided to resign from the Board, effective immediately. Mr. Noone has been a director of the Company since April 2009. The Company wishes to thank Mr. Noone for his valuable insight and advice over that time.
About Amerix Precious Metals Corporation
Amerix Precious Metals Corporation is an Ontario company, managed by an experienced team, exploring for precious metals in Brazil. Amerix continues to seek exploration properties of merit via staking, acquisition or merger. The Company's shares trade on the TSX Venture Exchange under the symbol "APM" and at the Frankfurt Stock Exchange under the symbol "NJGN".
Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.
Disclosure Regarding Forward-Looking Statements: This press release contains certain "Forward-Looking Statements" within the meaning of applicable securities legislation. All statements, other than statements of historical fact, included herein are forward-looking statements that involve various risks and uncertainties. There can be no assurance that such statements will prove to be accurate, and actual results and future events could differ materially from those anticipated in such statements. Important factors that could cause actual results to differ materially from the Company's expectations are disclosed in the Company's documents filed from time to time with the TSX Venture Exchange and, among others, the Ontario Securities Commission as well as under the heading "Risk Factors" in the Management Discussion and Analysis.
Amerix Precious Metals CorporationSteve BrunellePresident and Chief Executive email@example.com Precious Metals CorporationDan HamiltonChief Financial firstname.lastname@example.com
See all RSS Newsfeeds


text:
Flora could never have imagined that the pretty plant she'd brought back from Los Santos was in fact a rare species of a highly aggressive carnivorous plant. Nothing that couldn't be treated by Willow's reggae and vegetative meditation-based therapy though. Now Curlix eats nothing but grass and has abandoned himself to the joys of breeding butterflies and vegetarianism!
When Curlix is played second in the round, the opponent's clan Bonus, if activated, is cancelled.
The opponent's Ability is cancelled if they have one.
Clint City, night.


text:
For product availability, please select your "Ship to" state above.Got it, I'll ship to California
New Customers Save $30 off $100+* with code AUGNEW30
New Customers Save $30* with code AUGNEW30
*New customers only. One-time use per customer. Order must be placed by 8/31/2018. The $30 discount is given for a single order with a minimum of $100 excluding shipping and tax. Items with pricing ending in .97 are excluded and will not count toward the minimum required. Discount does not apply to corporate orders, gift certificates, StewardShip membership fees, select Champagne brands, Riedel glassware, fine and rare wine, and all bottles 3.0 liters or larger. No other promotion codes, coupon codes or corporate discounts may be applied to order.
Willamette Valley Vineyards Whole Cluster Pinot Noir 2005
Winemaker Notes
Food and Serving Suggestions
Wonderful by itself or with cheeses, pasta dishes with sun dried tomatoes, grilled fish, squab and lighter wild fowl. Serve at slightly less than room temperature or moderately chilled on warmer days.
Critical AcclaimAll Vintages
A combination of determination and extraordinary people has brought Willamette Valley Vineyards from an idea to one of the region's leading wineries, earning the title "One of America's Great Pinot Noir Producers," from Wine Enthusiast Magazine.
Founder, Jim Bernau, purchased the Estate site in 1983 and cleared away the old pioneer plum orchard hidden in scotch broom and blackberry vines. He planted Pinot Noir, Chardonnay and Pinot Gris. In the beginning, he hand watered the vines with seventeen lengths of 75' garden hose.
Numerous classes at UC Davis, and seminars from here to France, sharpened Jim's viticultural skills and in 1989 he was ready to build his dream--a world class winery in the Willamette Valley--and make cool-climate varietals, especially Pinot Noir.
Jim's vision of organizing the support of wine enthusiasts to grow world-class wines through shared ownership has resulted in over 9,000 owners. The winery's Common (WVVI) and Preferred (WVVIP) are traded on the NASDAQ.
Willamette Valley Vineyards has collaboratively grown its estate vineyards through partnerships like the merger with Oregon wine industry pioneer, Bill Fuller of Tualatin Vineyards (established in 1973), the O'Briens for Elton Vineyard (established in 1983) and Loeza Vineyard (planted in 2016). The winery now sources all of its barrel-aged Pinot Noir from its estate vineyards, practices environmentally sustainable farming and were part of the founding of the Low Input Viticulture and Enology (LIVE) certification.
One of Pinot Noir's most successful New World outposts, the Willamette Valley is the largest and most important AVA in Oregon. With a temperate climate moderated by a Pacific Ocean influence, it is perfect for cool-climate viticulture—warm and dry summers allow for steady, even ripening, and frost is rarely a risk during spring and even winter. Mountain ranges bordering three sides of the valley, particularly the Chehalem Mountains, provide the option for higher-elevation, cooler vineyard sites. The three prominent soil types here create significant differences in wine styles between vineyards and sub-AVAs. The iron-rich, basalt-based Jory volcanic soils found commonly in the Dundee Hills are rich in clay and hold water well; the chalky, sedimentary soils of Ribbon Ridge, Yamhill-Carlton, and McMinnville encourage complex root systems as vines struggle to search for water and minerals. The silty loess found in the Chehalem Mountains, somewhere in between the other two in texture, is fertile and well-draining but erodes easily, creating challenges for growers but necessitating careful vineyard management.
The celebrated Pinot Noir of the Willamette Valley typically offers supple red fruit, especially cranberry, without the powerful punch often packed by its California counterparts. Elegance is paramount here, and fruit flavors are balanced by forest floor, wild mushroom, and dried herbs—much more in line with Burgundian examples of the variety. Chardonnay too takes its inspiration from the French motherland, focusing on tart, crisp fruit and minerality, rarely relying upon heavy new oak. Pinot Gris here is fleshy and bright, and Riesling is dry, aromatic, and citrus-focused.
One of the most difficult yet rewarding grapes to grow, Pinot Noir is commonly referred to by winemakers as the "heartbreak grape." However, the greatest red wines of Burgundy prove that it is unquestionably worth the effort. More reflective than most varieties of the land on which it is grown, Pinot Noir prefers a cool climate, requires low yields to achieve high quality, and demands care in the vineyard and lots of attention in the winery. It is an important component of Champagne and the only variety permitted in red Burgundy. Pinot Noir enjoys immense popularity internationally, most notably in Oregon, California, and New Zealand.
In the Glass
Pinot Noir Is all about red fruit—strawberry, raspberry, and cherry. It is relatively pale in color with soft tannins and lively acidity. It ranges in body from very light to the heavier side of medium, typically landing somewhere in the middle—giving it extensive possibilities for food pairing. With age (of which the best examples can handle an astounding amount), it can develop hauntingly beautiful characteristics of fresh earth, autumn leaves, and truffles.
Perfect Pairings
Pinot's healthy acidity cuts through the oiliness of pink-fleshed fish like salmon, ocean trout, and tuna. Its mild mannered tannins don't fight with spicy food, and give it enough structure to pair with all sorts of poultry—chicken, quail, and especially duck. As the namesake wine of Boeuf Bourguignon, it can even match with heavier fare. Pinot Noir is also very vegetarian-friendly—most notably with any dish that features mushrooms.
Sommelier Secret
Pinot Noir is dangerously drinkable, highly addictive, and has a bad habit of emptying the wallet. Look for affordable but still delicious examples from Germany (as Spätburgunder), Italy (as Pinot Nero), Chile, New Zealand, and France's Loire Valley and Alsace regions.


text:
Exclusive Game Licence Agreement with CR Flamengo
Konami Digital Entertainment Co., Ltd. proudly announces that it has signed an exclusive game licence contract with the renowned Brazilian football club, CR Flamengo that is to be effective across their football titles.
CR Flamengo is a renowned Brazilian football club founded in 1895, champion of Brazil's domestic league Campeonato Brasileiro five times, and many other domestic and international titles. It is one of the most popular clubs in Brazil.
Through this agreement, PES 2017 -Pro Evolution Soccer 2017- (scheduled for released on 13th September in North, Central and South America, and globally on 15th September 2016) will include the club's traditional red and black bordered kit, and the team's home stadium "Estádio do Maracanã". These new implementations will richen to fully experience CR Flamengo.
Please enjoy the authentic feel of the gameplay, refined by the inclusion of world famous CR Flamengo's unique South American football style.
You can play PES 2017 with CR Flamengo in the playable demo distributing now.
Buy Now


text:
Bluetooth Speakers
Make it yours
ONE Click199,00 €Find out more
360° Degree Sound
Bluetooth connection
12+ Hours Battery Life
Interchangeable accessories
IPX 4 splash proof
Book shaped
Size: 12 x 20.5 cm
Explore with
TOO149,00 €Find out more
360° Degree Sound
Bluetooth connection
10+ Hours Battery Life
Convenient carrying handle
IPX 4 splash proof
Bottle shaped
Size: 21 x 6.5 x 5.9 cm
Hang out with
ONEStyle179,00 €Find out more
360° Degree Sound
Bluetooth connection
12+ Hours Battery Life
Stylish and practical handle
IPX 4 splash proof
Book shaped
Size: 12 x 20.5 cm
Wireless connectivity
If you value music, but love convenience, there is no way around a bluetooth speaker. A bluetooth speaker is a compact, highly portable speaker that uses wireless technology to let you play music from your mobile device wherever you are.
You simply grab your iPhone, Android, Windows Phone or whatever bluetooth compatible device you rock, connect to the speaker and voilà; wherever you go, you can bring your music. With a Libratone Bluetooth speaker the only thing you leave behind is the myth of the bad sound quality.
All of our speakers feature flawless sound quality with the signature 360-degree sound, giving you the full audio experience no matter where you are. If you have have two speakers you can even pair them for easy wireless stereo.
The second main factor in choosing a bluetooth speaker is portability. All of Libratone's bluetooth speakers are robust, lightweight, have a battery that goes up to +12 hours on a full charge and a splash proof IPx4 water resistance rating. You can bring them no matter whether you want to be singing in the rain or in the shower.
Choosing right
So if you're looking for the best bluetooth speaker on the market, your choice really comes down to design. If you want something that you can bring with you on any adventure, you should go for the ultra-compact TOO. If you want a beautiful, no-nonsense BT speaker, then we suggest the ONE STYLE. And if you're looking for a highly customizable speaker that you can easily adapt to fit any occasion, we recommend the ONE CLICK.
We have the speakers. The choice is yours.
30 day money back guarantee
Free shipping
Free returns - anywhere in Europe!


text:
(Ashland, Ore.) – Dr. Robert Harrison, Southern Oregon University Professor of History, will present "The Middle East and the Arab Spring: Troubled Past, Hopeful Future?" on Monday, February 13 at 7:00 p.m. in the Meese Room of the Hannon Library on the SOU campus. A reception follows immediately. The talk is free and open to the public. Continue reading
Tag Archives: Insights
SOU's Distinguished Lecture Series Continues Nov. 9 with Professor Diana Maltz
(Ashland, Ore.) — As part of Southern Oregon University's Insights: Distinguished Lecture Series, English and Writing professor Diana Maltz, will give a talk Nov. 9 about a cultural group in England—known as the Fellowship of New Life—that pursued peace, environmentalism and equality in the 1890s.
President Mary Cullinan initiated the lecture series last year to highlight the work of SOU faculty.
"Our faculty are doing outstanding scholarship and creative activity in every field," she said. "I very much want our community and our campus to gain insight into the work being done at SOU."
Maltz will review writings by novelists who participated in the rural colonies, as well as satires by writers who simply found New Life initiatives impractical and their practitioners self-important and deluded. Continue reading


text:
The metals popped higher today as the Non-Farm Payrolls came in light, and visions of QE taper receded further into next year.
There was intraday commentary Tremors and Warnings in the Gold Market that is worth reading. While I was glad to see the wiseguys lighten up on the price capping in the metals, there appears to be a more dangerous set of market conditions that they might realize. Some of the 'old hands' see it, but the fresh crop of the masters of the universe seem to be quite taken with their powers over paper.
It is a quaint notion, but the cure for tightness in supply is higher price. But given enough bad behaviour, and the normal market clearing mechanisms can fail to respond in the expected time intervals.
Nature, ain't it a bitch.
Who can say what snowflake will provide the little push that starts the avalanche. Better to see the avalanche conditions developing and do something to relieve them.
Have a pleasant evening.
Fly the Skies of Air Morgan: Never fear, the London Whale is here...


text:
Michigan lawmakers want auditors to dig deeper into the state's tax incentive programs for businesses.
Republican state Sen. Nancy Cassis says Wednesday she will formally request that Michigan Economic Growth Authority tax credits for 2008 and 2009 be reviewed more closely by the state auditor general. The request comes after a recent audit found that some companies given millions of dollars in Michigan tax credits to create jobs or invest in the state didn't always live up to their agreements on how much they would pay workers.
The audit also said the Michigan Strategic Fund, which oversees tax credits awarded by the Michigan Economic Growth Authority board, didn't follow proper procedures in checking whether companies were doing what was necessary to win the credits.


text:
L1: Ghost (125 until level 2)
- A 25 year old male gamer
- Joined on September 17th 2011, last online on 28 December 2017.
- Profile Views: 4,326
- Forum posts: 1 times which averages 0 posts per day
Badges: (view all)
Recent Wall PostsView more
spurgeonryan posted something on Lynx_7's wall:
Skyward Sword fan!
Recent ActivityView more
Favourite Games
This list only shows a selection of games from this user's favourite games.View all games
Recent Forum PostsView more
Is Zelda better with Miyamoto or Aonuma?in Nintendo Discussion on 06 July 2014
This is a bit tricky for me to answer. My favourite titles are both from the Aonuma era, but I actually think Miyamoto is a better director as far as design and vision are concerned. He is certainly the one responsible for making Zelda what it is today, so I hold him in higher regard. I still voted Aonuma though because of the aforementioned favorite titles and Zelda U seems to be going in the...
Height: 0'0


text:
Distance from Silver Creek, NY to Chateaugay, NY
Driving distance between Silver Creek, NY and Chateaugay, NY is 365.71 miles (or 588.55 kilometers). If you drove an average car (using about 3.6 gallons of gas per mile), the gas would cost you around $, since you would need about gallons of fuel.
Leaving from Silver Creek, NY you would reach Chateaugay, NY in about 6 hours 15 mins if you keep an average speed of miles per hour, assuming you don't make any breaks or get stuck in traffic.


text:
Dear Miss Manners: A very dear friend of mine has just been named as ambassador to a fairly fly-specked post. It is his first ambassadorship, and he is thrilled. Unfortunately, I will not accompany him.
He is a darling, thoughtful, attractive person, but has terrible table manners. I have gently informed him of his more egregious problems, but have never worried too much. Now I don't know what to do.


text:
About Us
Who's Who & What They Do
History of the Shul
The Shtibl
The Choir
Sydenham Nursery School
Catering and Functions
What's Nu
Contact Us
Ask The Rabbi
Accommodation Near Sydenham
Life Cycle
Shabbat, Yomtov & Service Times
Schedule of Services
Shabbos At Sydenham
Motzei Shabbos Times 12
Good Shabbos Sydenham
What's Happening
YES Club
Young Adults
Friday Night Fever
Jewish Study Opportunities
Past Events
Dis-Chem Golf Day
Purim 2012
Enrichment / Shiurim
Women Only
Good Shabbos Sydenham
Yahrtzeit Birthday Calendar
Jewish Study Opportunities
Welfare & Chesed
How Can I help?
Contact Us
About the Shul
Who's Who & What They Do
History of the Shul
The Shtibl
The Choir
Sydenham Nursery School
Catering and Functions
What's Nu
Contact Us
About Us
History of the Shul
History of the Shul
In June 1941, Joshua and Bessie Lichter and family and Mr Nathan Sacks (who was Bessie Lichter�s father) made their home at 31 Kinfauns Street Sydenham. The nearest Shul was the Norwood Shul and the family soon realized that there was a need for a Shul in this area.
The beginning was a small one and at times very frustrating. Mr Sack brought his Torah, which was on loan at the Chassidic Shul in Doornfontein to the house and every Saturday morning, he would go to the corner and ask passers-by, �Ir zait a yid?� (are you Jewish?) If the answer was affirmative, he invited them to his home where the dining room was set aside as a Shul. Slowly more and more people started coming and after the service they were treated to a wonderful brocha spread prepared by Mrs Lichter. As Rosh Hashanah and Yom Kippur drew near, Mr & Mrs Lichter found an empty shop in Durham Street, Raedene and it was decided to hold the Holy Day services there. The seats were lent by the Zionist Federation and in return they received the money collected from the sale of seats. The price was 10/6 per seat. The service was conducted by Mr Lichter�s nephew, Abe Lichter.
This was the beginning and Shabbat services then continued until Erev Purim 1943. By this time there was a nucleus of regular attendees and a meeting was called to form a committee to plan for the establishment of a congregation.
In the interim, Mr Lichter bought the stands in Main Street for the sum of 3000 pounds. They included a thatched roof house which was later to become the Nursery school. A committee was formed with Mr Israel Katz as Chairman and Mr Joshua Lichter as Vice-Chairman. Nathan Sack was Trustee and Abe Kam the Honorary Secretary, a position he filled ably for many years without remuneration. The task of collecting funds began. Mr Lichter with Mr Damelin as partner worked with great determination to collect from our fellow Jews.
The donations from the area however were not very generous. Most of the money raised came from our co-religionists in business, for example, Crystal Confectionery and several wholesalers in the city.
The stand in Main Street was transferred to the congregation and the building of the hall began. This task had to be completed in six weeks in time for Rosh Hashanah 1943. The effort expended was superhuman.
Donations of fittings and sundry began coming in and a member of the committee, Mr S Druckman, who was a furniture manufacturer undertook to make the pews and these were put in place just a few hours before the services began.
Rabbi Osher Altshuler came from East London�s congregation and was engaged as the first Rabbi, Chazan, and Teacher of the Congregation. A joyful procession carried the Torah from the Lichter�s house in Kinfauns Street to its new home in the Sydenham Shul.
On the 12th December 1943, Sarah Lichter married Henry Kaganas. The chuppah was set up in front of the Aron Kodesh, with all the guests as spectators. After the ceremony, the Chuppah was removed and the guests proceeded to enjoy the reception in the same hall. This was to be the first of many hundreds of wedding celebrated in the new Sydenham Highlands North congregation.
Mr & Mrs Lichter continued to work for the congregation until age and ill health forced them to give up. However, their life�s dream was fulfilled as they saw the building of the magnificent new shul and the growth of the Nursery School and Talmud torah.
On Sunday 4th December 1955, the beautiful new synagogue was opened. Present were dignatories including the late Chief Rabbi LI Rabinowitz and the Minister of the Interior, Dr T Donges.
24 February 2013 was Sydenham's 70th Anniversary and was celebrated by Platinum Purim where Harold Novick was honoured for his 40 years of service and dedication.
Our Rabbonim
Rabbi Altshuler served the congregation as Rabbi, Chazan and Teacher from 1943 until 1964.
Rabbi Solomon Poupko
1965 � 1968
Rabbi Leonard Oshry
1971 � 1974
Rabbi Louis Herring
1974 � 1978
Rabbi Zalman Kossowsky
1978 � 1986
Rabbi Yossy Goldman
1986 to present
Our Chazonim
Chazan Eli Greenblatt
1964 � 1969
Chazan Benyomin Muller
1970 � 1975
Chazzan Zwi Rosen
1976 � 1979
Chzan Gabi Oren
Chazan Ari Klein
1980 � 1987
Chazan Oshy Tugendhaft
1987 � 2005
Chazan Yudi Cohen
2005 - to present
� 2012. Sydenham Shul. All rights reserved.
Website Hosting & Website Design by DiaMatrix
E-mail newsletter & SMS marketing by MyListManager


text:
(PRWEB) September 05, 2014
International Journal of COPD has published the review paper "Self-management in patients with COPD".
As corresponding author, Professor Kaptein says "On the basis of our review, it seems that the following conclusions can be formulated in response to the four topics mentioned in the title of the paper:
1)Theoretical models from the domains of coping with chronic illness, self-management and illness perceptions seem the best choice in further research about self-management for persons with COPD.
2) These models inform content of self-management training in COPD. Rather than 'educating' patients, patients must be encouraged to take control of their illness and its treatment and consequences.
3) Rather than focussing on biomedical outcomes (e.g., FEV1), outcomes in self-management for people with COPD should be patient-reported, in terms of behavioural outcomes.
4) Pulmonary medicine lags behind other medical specialties in its knowledge and attitude regarding empowering patients. This situation is likely to continue for a considerable time given the almost negligible number of behavioral experts involved in research on persons with respiratory illnesses."
As Dr Richard Russell, Editor-in-Chief, explains "This is a really interesting piece of work that is relevant to all who work in COPD. The management of this disease as we now know it must change and this paper challenges our preconceptions and thinking."
International Journal of COPD is an international, peer-reviewed journal of therapeutics and pharmacology focusing on concise rapid reporting of clinical studies and reviews in COPD. Special focus will be given to the pathophysiological processes underlying the disease, intervention programs, patient focused education, and self-management protocols. This journal is directed at specialists and healthcare professionals.
Dove Medical Press Ltd is a privately held company specializing in the publication of Open Access peer-reviewed journals across the broad spectrum of science, technology and especially medicine.


text:
Not only does the 'Swan Neck' brush provide a fuss-free finish, but it also aids application to the 'hard to get areas' - including the inner corner of your eye. I for one always struggle applying mascara to my left eye because I can't quite seem to flick the brush around to the right position; this removes all those problems because you simply twist the brush in your hand into the perfect place. The extra long wand also prevents those nasty eyelid smudges that are often the result of an overly large brush or dodgy application technique, providing a wide-eyed look and lots of volume with no mess.
The formula itself also includes rose cell extract, which aims to look after the health of your lashes in the long-term by reducing 'churn' (or the frequency by which your lashes fall out and re-grow.) It's extremely pleasant to use, jet black in colour and doesn't clump at all - even when you layer product over product over product. (I first had this applied in Harrods as part of their Beauty School and the makeup artist must have applied at least ten layers on each eye.) Although this is a whopping £24.50 for a mascara, it does make application so much easier and aid the creation of a serious flutter. I'm a true convert, although I don't know how often I could justify splashing out on such an expense - here's hoping other brands take note and start innovating too.
The Lancôme Hypnôse Grandiôse Mascara is available online priced £24.50


text:
All Square, the international social network for golfers, is releasing the mobile iOS application to coincide with the PGA Merchandise Show in Orlando.
All Square is a social platform that connects passionate golfers around the world; creating a space where players can share their experiences about the courses they've played and discover important information about the courses they want to play. It's a platform that's working to build a comprehensive, cooperative roadmap of all the best golf courses in the world, so that people who live for the fairway can stay connected.
Co-founders Patrick Rahme and Arthur de Rivoire, who are both avid golfers, started the company a year ago. Patrick has played in European championships and is a member of the Golf Club Grand-Ducal in the Grand Duchy of Luxembourg. Arthur was a member of the Swiss National team and has also played in several European Championships. The idea for All Square was born when the two golfers met at the HEC Lausanne business school.
"Everything started the day we wondered how many top 100 courses we've played. When we noticed that we'd only played two we thought, Jesus if we die tomorrow we haven't seen anything. We realized that there's no platform allowing us to create a timeline of our history." Patrick said.
Patrick and Arthur realized that there was something lacking in the golf industry in terms of technology and that it needed to be disrupted.
"We wanted to create a platform that allows people to compare and share their golf experience. Many of our competitors focus on the score tracking of the game, but we wanted people to just share their experience on the golf course." Arthur said.
While the name All Square might sound like a riff on Foursquare to the average person, it's actually a term that golf lovers know well. When Patrick and Arthur played golf together for the first time, they reached the end of the game with their score perfectly tied, meaning they finished all square. The two seemed destined for a successful partnership from the very beginning.
Since the launch of the website in August, All Square has had more than 650 courses join the platform, and now that the mobile app has launched, they're going after 25,000 more. In addition to all of their success, All Square has recently come to Silicon Valley as a part of the Plug and Play International Accelerator three-month program. The Valley has been waiting for such a marriage between golf and tech, and All Square couldn't be more thrilled to do the honors.
"This is paradise for us because most of the people in the Bay Area are in the tech business, and most of those people play golf. So this is heaven for us." Arthur said.
If you're interested in joining the vibrant community of Silicon Valley, be sure to apply to the Plug and Play International Accelerator.
If you liked what you read, please share it with friends.


text:
1. The Passenger Transport Executive Group
(PTEG) represents the 6 English PTEs and Strathclyde in Scotland.
The Passenger Transport Authorities (PTAs) cover areas with a
population of 13 million people. All PTEs are co-signatories to
the appropriate local franchises in their area and, therefore,
feel well placed to comment on the impact that the Secretary of
State's Draft Directions and Guidance and Policy Statement will
have on delivering an improved, and fit for purpose, modern railway.
2. PTA/Es are committed to delivering high
quality integrated transport networks for the conurbations they
represent. Through investment in rolling stock, new stations and
other improvements to the network, use of the local railways in
conurbations has grown significantly. Furthermore, each PTA/E
has in place Local Transport Plans and Rail Strategies for further
developing their networks. These strategies recognise that if
rail is to continue to play its part in an integrated transport
network which underwrites the economic, environmental and social
objectives for the conurbation, long-term strategic planning is
required. Most such strategies take a 15-20 year view. Such a
timescale is essential and is based on PTE experience of developing
light and heavy rail networks.
3. Since the publication of the SRA's Strategic
Rail Agenda in March of this year, the PTA/Es have been working
closely with the SRA to put in place a more robust franchise agreement
which could deliver the aims of both the PTEs and the SRA through
new longer-term franchises. PTEG believes that the investment
that is needed in rolling stock and infrastructure can only come
through the commitment to longer-term franchises. It is, therefore,
concerned that at the heart of the revised Draft Directions and
Guidance and Draft Policy Statement there is a tension between
the greater emphasis being placed on franchise re-negotiations
and short-term extension and the delivery of long-term improvement
in performance and the need for substantive investment. Whilst
it may be appropriate for some longer, more viable, franchises
PTEG does not believe that short-term extensions will be effective
in the case of those franchises to which it is co-signatory.
4. Central to the Guidance is the funding
envisaged in the 10 Year Plan. In section 8.1 of the Guidance,
DTLR restates the investment envisaged in rail in the 10 Year
Plan, namely £49 billion in the period up to 2010, of which
£34 billion is expected to be private investment. PTEG believe
that this is no longer a realistic planning assumption. The ORR's
decision on the Second Control Period and changes in Railtrack's
role mean that there is substantially less funding in total and
less available from the private sector. Without clarity of future
investment levels, there can be no major enhancement of the network
and, therefore, service development. There are also significant
shortages of skills and staffing and a lack of agencies to deliver
investment. PTEG believes these to be significant factors in the
renewed emphasis on short-term franchise extensions. This may
be an acceptable tactic to cover the period until these issues
are addressed. However, if this is the case, it should be accompanied
by a clear directive to the SRA to prepare realistic financial
estimates quickly, rather than reproducing the £49 billion
figure in the Draft Instructions. As they stand, the draft Directions
and Guidance and Franchising Policy Statement will not bring about
the improvement that PTEG believe is necessary in the rail network,
nor will it achieve many of the objectives set out in section
2 of the Guidance and in its Annex A.
5. PTEs have direct and indirect experience
of the effect of seeking to secure improved services through franchise
Northern Spirit/Mersey Electrics
In 2000, it was necessary to re-negotiate these
franchises, which affect all of the English PTEs except Centro
(West Midlands PTE). Initially, Arriva Trains took over the existing
Northern Spirit franchise in February 2000 and in February 2001
agreed a two year extension to the franchise for substantial additional
funding. The SRA's justification for the additional funding into
the Northern Spirit franchise (and also the Mersey Electrics franchise)
was that there would be real improvements in service. It was in
recognition that the original franchises were seriously under-funded.
Unfortunately, in the last 12 months there have been no improvements
in service delivery within those PTA areas served by the Arriva
Trains Northern franchise indeed it has deteriorated. Problems
with performance, particularly through the management of driver
recruitment and training, have continued. There has been no investment
in new rolling stock.
Midland Main Line
This was an early example of franchise extension.
Negotiations in 2000 secured an extension of the existing Midland
Main Line franchise from 2006 to 2008 with more and faster services
direct from Sheffield to London, station improvements, additional
rolling stock and improved services between Leeds and Sheffield.
All of these were key objectives of South Yorkshire. Whilst there
remain issues to be resolved with Railtrack, this was perhaps
one of the first examples of what was seen as a successful short-term
extension. PTEG believes this is due to it being the re-negotiation
of a franchise which still had six years to run.
Whilst none of the PTEs are co-signatories to
the GNER franchise, it has a significant impact on the local services
provided in Tyne and Wear, West Yorkshire and South Yorkshire.
It also plays a major part in the development of the economy of
those three areas. The extension of the franchise by two years
has been greeted with dismay in all three areas. It has also had
the practical effect of slowing down other investment that was
planned. For example, the Doncaster Interchange scheme is now
being reduced in scope because of the difficulties in reaching
agreement with the parties involved in the project and uncertainties
over what is precisely the future of the East Coast Main Line.
Substantial growth has been experienced in this franchise since
privatisation and PTEs believe it is imperative that additional
rolling stock is procured as soon as possible. A two year extension
is not conducive to this process.
Chiltern Railways
This provides services between London Marylebone
Station and Birmingham. Although Centro is not a co-signatory
to the Chiltern Railways franchise, the Strategic Rail Authority
(SRA) fully involved Centro in the refranchising process. Centro
involved the leadership of the West Midlands Passenger Transport
Authority (WMPTA) in many of the discussions. A number of passenger
benefits were achieved through the agreement to a long-term franchise.
M40 Trains, the existing operator, was declared as the preferred
bidder in August 2000. Centro and WMPTA were successful in encouraging
M40 Trains to extend its services beyond Birmingham to Stourbridge
and Kidderminster as part of a new franchise. This provides very
welcome direct rail links between these towns and London. Although
the SRA and M40 Trains signed Heads of Terms of an Agreement for
the new franchise in August 2000, a new franchise agreement remains
to be signed. However, agreement has been reached with M40 Trains
to bring forward some of the passenger benefits, including extended
services to Stourbridge and Kidderminster, through changes to
the existing franchise agreement. Centro consider that this is
a good example of innovative improvements in service that can
be achieved through close working between a PTE, the SRA and operators
competing to win longer term franchises.
Central Trains
The SRA announced in March 2000 that it was
including the refranchising of Central Trains in the second tranche
of its franchise replacement process. This announcement was wholeheartedly
supported by Centro and WMPTA. Central Trains provides most of
the local train services in the West Midlands. The existing franchise
was losing money and performing poorly. Centro regarded a new
franchise as a means of addressing these problems, and an opportunity
to obtain private sector funding contributions to assist capital
investment to unblock congestion in the West Midlands rail network.
The process began well with close working over a six month period
between Centro and the SRA. National Express Group, the existing
train operator, and a consortium led by Group 4 were pre-qualified
and presented outline proposals for a new Central Trains franchise
in July 2000. M40 Trains also provided, by invitation, proposals
for running those Central Trains services running through Snow
Hill Station in Birmingham.
In February 2001, the SRA announced that it
was halting the Central Trains franchise replacement process.
The SRA originally cited the reason as being that neither the
proposals from Group 4 nor National Express Group delivered the
benefits passengers are looking for. In March 2001, Sir Alastair
Morton also criticised the approach of Centro to the franchise
replacement process, including their wish to retain existing train
services and standards, as being contributory reasons for halting
the franchise replacement process. Centro, WMPTA, the competing
train companies and business community leaders in the West Midlands
all expressed their concerns at the SRA's decision to halt the
franchise replacement process. Centro and WMPTA believed there
was a basis for taking the process through to the final bid stage.
Much time, effort and money had been invested by Centro and train
companies in progressing the franchise replacement process. This
is a poor example of joint working to achieve local and national
improvements to rail services. Centro believed at the time that
the SRA halted the replacement process, that financial pressures
and changing priorities affecting the SRA were other unstated
reasons leading the SRA to halting its own process half way through.
6. PTEG has looked carefully at the revised
Draft Directions and Guidance and in general welcomes the principles
behind them and the separate Draft Franchising Policy statement.
The detailed objectives and targets and their linking for the
SRA to those of the 10 Year Plan are broadly supported. However,
there is a fundamental concern that the Directions and Guidance
will inevitably force the SRA to focus on Inter-City and South
East commuter routes to achieve its objectives. Given the need
for revenue support inherent in the structure of the regional
franchises, coupled with generally short passenger journeys, it
is highly likely that the SRA will identify that the best "Value
for Money" can always be achieved by investing in routes
that give the best commercial return and are more likely to attract
partnership funding. The Directions and Guidance, therefore, needs
to be more explicit in the way it expects the SRA to address regional
networks, recognising particularly the importance local commuter
routes have in the overall transport matrix in the Metropolitan
areas and the social and environmental benefits that accrue. The
purpose of public sector funding of our railways needs to be restated.
In our major conurbations, PTEs are quite clear that local rail
services are essential to ensuring our major city centres do not
choke their economic and financial viability through gridlock
traffic conditions (eg a sixth of people coming into Birmingham
at peak times are carried by rail services). We have demonstrated
over many years how more and more people can be attracted onto
rail from cars. The subsidy levels being paid to sustain local
rail services are a small price to pay to avoid the economic and
social costs of our city centres failing. In addition to PTE areas,
the Social Railway in the Shire Counties must also be supported
fully by the SRA.
7. PTEG also have a number of other concerns.
These centre around:
These points can be expanded in looking at the
extent to which the Draft Directions and Guidance and Policy Statement
will deal with the five key points that the Committee is examining.
8. Improvements in punctuality, reliability
and comfort require investment in track and signalling, rolling
stock and a co-ordinated approach to driver training. Improvements
in frequency and service require additional rolling stock, drivers
and investment in capacity. They all require significant investment.
Rapid improvements require a climate of confidence in which the
partners (Train Operating Companies, PTEs, ROSCOs, Railtrack and
the SRA) can commit and in which they can see a return. There
was evidence of this in the approach by bidders to the GNER, Central
and Trans-Pennine franchise replacements. That process offered
the prospect of both rapid and sustained improvement. The constraints
on the speed of improvement were the ability of the SRA to make
clear its offer and Railtrack to prepare sufficiently robust costings.
By comparison, franchise extension will always be more costly
and offer less value for money because of the strength of the
negotiating position held by the incumbent operator (eg recent
negotiations with Arriva and First Group).
9. The extension of the Arriva Trains Northern
franchise was an attempt by the SRA to achieve rapid improvement
in service delivery and resolve performance problems. There was
sufficient funding within the franchise extension to deliver extra
drivers and provide additional rolling stock. Difficulties in
obtaining the rolling stock have thwarted Arriva's attempts to
achieve this to date. The issue of driver shortage is more complex.
This arises out of the need for the industry to take a more coherent
and collective view of its requirements as well as individual
train operators to produce more robust manpower plans and management
systems. There should be a directive from the Secretary of State
to ensure a robust training programme aimed at meeting the aims
of the industry. This could take the form of an Industrial Training
Board similar to that in place for the Construction and Engineering
Industry. It would require TOCS to co-operate re resource planning.
It would demand a contribution to a pool funding driver training.
It would bring about co-operation, re-investing in new technology
and training programmes and methodology which would aid both adherence
to standards and more efficient training.
10. Improvements in the reliability and
comfort of rolling stock require there to be a substantial refurbishment
and replacement of rolling stock. Ageing diesel fleets are a particular
problem in the Northern franchises. The requirement for the SRA
to prepare a rolling stock strategy within the Directions and
Guidance will assist this process but will be undermined by short-term
franchise extensions. In the Midland Main Line franchise there
was still a substantial amount of time to run on the existing
franchise. In the case of those franchises due to expire in 2003-2004,
it is insufficient lead in time to see that investment takes place
and earns a return. Even in longer-term franchises such as Trans-Pennine
it would have been four to five years into the franchise before
new rolling stock came on stream.
11. This has already been referred to above
and PTEG's view is unequivocal. The sums likely to be available
for investment in the rail network in the next 10 years are no
longer realistic. PTEG does not have access to all of the information
to accurately establish the amount needed for both capital investment
in infrastructure and rolling stock and for the continued support
of rail franchises that deliver the objectives being set of the
SRA. However, the delays to Trans-Pennine and the short-term extension
to GNER would seem to confirm there is a problem. This must be
a priority for the SRA's first November statement.
PTEG gave evidence to this Committee on 15 November
2000 and subsequently, in response to a request from the Chairman,
submitted written evidence comparing rail investment in the UK
with investment by 10 European countries. The evidence suggested
that the planned level of investment in the Government's 10 Year
Plan would match that of the EU average. However, the profile
failed to keep pace with economic growth projection and fell behind
again towards the end of the plan period.
Private sector and City interest in franchise
replacement is now likely to be low. Hatfield, the costs sunk
in abortive franchise bids and the prospect of short-term franchises
or extensions (which allow no new entrants) will compound the
Given the uncertainty regarding the private
sector investment shown in the plan PTEG believe it to be essential
for the Secretary of State to clarify how this investment will
be delivered. This level of investment is crucial if the Government's
transport objectives are to be achieved which in turn are crucial
to the UK's competitive position.
12. It is PTEG's view that realistic planning
for the improvements of track and signalling, and the extent needed
to improve performance, cannot take place in the short-term. It
requires 10 year or longer investment plans. Similarly, to improve
the frequency of services in many of the conurbations, such as
in Birmingham and Manchester, substantial investment is needed
in additional capacity. The SRA have taken forward capacity studies
in these key conurbations and earlier this year were optimistically
talking about how franchise replacements, such as Trans-Pennine,
Northern and Central would be a major part in determining the
way forward. There is a related concern that the importance of
local commuter rail services to reducing traffic congestion and
the resultant economic burden not being given sufficient weight
by the SRA and the Rail Regulator. For example, in the West Midlands
longer distance trains on the Wolverhampton Birmingham Coventry
line are being given preference over local train services. The
real solution is to invest in major improvements to the line and
stop trying to squeeze more and more trains onto a two-track railway.
This is accepted in the findings of a study into West Midlands
Rail Capacity needs. These findings are supported by the SRA,
Centro, WMPTA and the rail industry. However, the SRA admits that
it does not have the funding to do any further development work
on these major investment proposals. This is despite the acknowledgement
at the Government's Rail summit that New Street Station in Birmingham
is the top priority bottleneck in the UK rail network. It is not
at all clear now how those ambitious but essential investment
plans will now be carried forward.
13. The SRA's Strategic Agenda signalled
the ways in which single purpose vehicles may be developed for
major investment. It is important that their creation does no
contribute to the current hiatus in investment or preclude in
regional, lesser attractive commercial areas. Again, it is difficult
to be optimistic that the framework needed for major enhancement
of the network is now in place.
14. PTEG, as Members of this Committee will
be aware, supported the establishment of the SRA and looked forward
to it providing leadership in developing Britain's railways. Leadership
should not be at the expense of key stakeholders involvement.
PTEG was concerned that in moving forward the SRA worked closely
with stake-holders such as the PTA/PTEs and drew on their experience
in developing the rail network. The publication of the Strategic
Rail Agenda was a helpful step in setting out how the SRA saw
its role.
15. The Agenda also made unnecessarily negative
remarks about the role of the PTA/PTEs in establishing franchises.
However, since the publication of the Agenda PTEG has had productive
discussions with the SRA about how franchise management and development
should be taken forward. PTEG is concerned that the Policy Statement
and Draft Instructions and Guidance do not give clarity to the
role of the SRA. It also increases the involvement of the DTLR
in most of its decisions. It also seems to understate the role
of PTEs. The way in which the SRA awards new and extended franchises
must be transparent. The offer for which they are bidding must
also be clear to intending franchise applicants. PTEG has specific
concerns about weaknesses in the present Directions and Guidance
which, if amended, could strengthen the way in which new and extended
franchises are awarded. These have been separately submitted to
the DTLR.
16. In recent months the change of emphasis
in the franchise programme, the financial decline of Railtrack
and the issues of funding have created a vacuum at the heart of
Britain's railway in which, however hard the SRA might try to
provide leadership, it is impossible. Structurally it may be capable
of doing so. However, it needs Government to give it the financial
clarity to provide the leadership necessary.
17. The uncertainty created by two year
franchise extensions is not conducive to operators drawing up
an adequate manpower plan beyond the expiry date. This can lead
to potential industrial relations problems with operators relying
on overtime and rest day working to keep services operating. As
well as not being conducive to investment in rolling stock and
infrastructure, two year franchises are also not conducive to
investment in manpower. Lack of investment also leads to low morale.
18. Whatever the circumstances and history
that have led to the present position there is consensus that
the national rail network must be transformed over the next 20
to 25 years if the UK economy is to continue to develop its wider
social and environmental objectives. Investment is critical to
improving the performance of local rail services. Local railways
will continue to require funding from the public sector reflecting
the wider social and economic benefits such investment provides.
There has to be agreement on how much the Government is prepared
to pay towards this investment. Other sources can then be sought
for additional funding. Optimum investment will be achieved through
the confidence of a shared long-term vision and a stable climate.
That may need a short-term focus on improving services to the
customer whilst these issues are quickly resolved. The revised
Draft Instructions and Guidance and Policy Statement are a step
in the right direction. With the amendments, PTEG is suggesting
and a clear funding strategy in place both the SRA and PTEs can
effectively meet their statutory duties by the delivery of improved
rail services for all.
September 2001


text:
EastWest Bank Personal Loan
- Reply
EastWest Bank Personal Loan
I need of fast cash with low interest rates? EastWest Bank Personal Loan offers an unsecured and no collateral personal loan. Find out now if you're qualified:
Multi-purpose loan for your needs:
– Multi-Purpose
– Travel/Vacation
– Tuition Fee/School Expenses
– Credit Card Payment
– Appliance/Furniture Purchase
– Medical Expenses
– Bills Payment
– Car Accessories/Repair
– Home Improvement/Renovation
And much more…
Eligibility Requirements
− Must be a Filipino citizen
− Must be at least 21 years old and not more than 65 years old upon loan maturity
− Must have at least one landline number (either home or business) and a mobile number.
(Mobile number will not be accepted as a stand-alone contact number)
− Gross monthly income (GMI) must be at least PhP15,000 or annual income of not
less than PhP180,000
Interest Rates:
(Personal Loan Rates – Carded Segment) Monthly Add-on Rate – 1.49% to 1.69%
(Personal Loan Rates – Non-Carded/Limited Card Segment) Monthly Add-on
Rate – 1.89%
Effective Interest Rate (Annual):
Personal Loan Rates – Carded Segment
12-month term: 31.51%
36-month term: 34.01%
Personal Loan Rates – Non-Carded/Limited Card Segment
12-month term: 39.53%
36-month term: 37.53%
Processing Fee:
12, 18, 24, or 36 months
Mode of Payment:
Post-dated Checks
Terms and Conditions:
Processing time:
5 – 9 business days
Loan Amount:
Minimum of PHP 25,000.00
Maximum of PHP 2,000,000.00
– Payable in fixed equal monthly installments.
− Short processing time (Processing of application will take 3 to 5 banking days. Release of loan proceeds to the client will take another 2 banking days for pick up and 2 to 4 banking days for the delivery and deposit to account option.)
− No collateral and co-maker needed
Other EastWest Bank Products:
– Eastwest Credit Cards
– EastWest Housing Loan – Home or EastWest Housing Loan – Condo
– EastWest Auto Loan
– EastWest SME
– EastWest Deposits


text:
Are you interested in ICO and Presale advertising
|Post Reply
Topic Search Topic Options
New Member
Joined: 06 Apr 2018
Status: Offline
Points: 10
Post Options
Posted: 06 Apr 2018 at 4:51am
We are located in Seoul, South Korea and specialized in advertising and marketing ICO and presale in South Korean market.
one of Top ICO market is Korean market as you know, however advertising ICO in Korea is not easy for clients.
Our experienced team help you to promote your advertising of ICO and presale with every effort.
We deal with Media, SNS, Naver blog, Daum blog, ICO Listing and banner advertising.
We focus on ICO advertising Korea market.
Please contact us if you are interested in.
ICO Marketing Korea(IMK) : http://icomarketingkorea.com/
Free consulting
Email : email@example.com
|Post Reply
| Tweet
|Forum Jump
|Forum Permissions
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot delete your posts in this forum
You cannot edit your posts in this forum
You cannot create polls in this forum
You cannot vote in polls in this forum


text:
Within five posts you comepletly change your opinion as to the value of this debate. Why is that C-man?
The chimp and the human genome can be directly compared for similarity. Unfortunately the comparisons are often reported as pure numbers and without the background, I don't know exactly what "5% similarity" actually means in real-world terms. Calculating statistical probabilities of events that have already occured, a popular ID/Creationist past time, is an exercise in retroactive astonishment. The odds, for example, that SOME guy wins the lottery are far greater than the odds that it's going to be THAT guy.
The evidence SCREAMS design.
Now whose bias is showing?
I posted a thread which gave a testable design model. It had lot's of predictions, but once again evos looked into the telescope and claimed to see nothing.
I recall seeing that thread in existence, but honestly don't remember actively participating. Got a link?
I would say that it would be more a reflection of the ignorance and arrogance the ME rather than any weakness in the human design itself...If we knew more about how we are really put together, those presumed weaknesses would not look so weak.
For humans, the knee, the spine, and male nipples immediately spring to mind. As do the pelvic structure of ceatceans and snakes, and the eyes of the golden mole. And I'm not even ME (Mechanical Engineer, for the lurkers). The human body exhibits sufficience; I would expect an intelligently designed organism to exhibit optimization.
Up until your tagline on #42, you thought this thread was about facts, by post #47, once it was clear the facts were not going your way, you now decide it is about "guesswork".
Again, chimp-human genome comparison studies are about fact. My comment about "guesswork" was in direct response to your statement regarding the ability of scientists 500 years from now to calculate the probability of the natural emergence of a rogue band of free-ranging, glow-in-the-dark mice. Not about chimp-human genome comparisons. My apologies if I was less than clear. (As an aside, I would be quick to point out that glow-in-the-dark mice would likely experience a significant predatory disadvantage compared to their non-luminescent brethren. A blinking, neon "Eat at Joe's" sign comes to mind for some reason... heheh...)
Regarding the "glass hammer" tagline, this thread has garnered almost 50 whole posts in a single week. Didja happen to notice that you and I are currently the only ones participating? The Russian silver fox thread suffered a similar fate. Now compare to the public policy debate threads. The Texas Tech prof thread, for example, was posted a day before this one and is almost up to 350 posts. Generally speaking, policy debates drag on forever, while the new discovery threads are subjected to a flurry of ID/Creationist drive-bys and are quickly abandoned. You are one of the few that actually stick around to hash out the facts, for which I do give you credit.
Ahem, that's nothing; this Dini thread is up to 1142!


text:
Big things, I tell ya, big things.
I can't even begin to thank you all enough. Really. Your passion for my little life is quite extraordinary, and as more and more readers join us (many of them not even single moms) I'm thinking that this blog is transforming into a story for everyone.
Something I've come to realize over the past few months is that Ms. Single Mama isn't me – she is each of you – all of the single moms who have inspired me to write my thoughts here.
She is every single woman.
She is every single mother.
She, or he, is every person who wants to find themselves and follow their own path.
But she also has a desire to change and to grow and above all, to make the best of her situation no matter how awful it can be. As this blog continues to transform I want to make sure the single moms, my single moms, have a place to find each other so I'm launching a single moms forum.
All of the credit goes to John Bear though. He suggested I have a forum, I resisted, he suggested again and then again until finally I said, "okay, let's try it."
Then he made it… in just one night, just for us.
And guess what I have realized?
He does exist. But instead of a sword and a horse he has a laptop and knows code.
Here's a video explaining just what in the hell the forum is (John Bear had to explain it to me too and it took him weeks to convince me that this was a good idea, but finally I realized that he is totally right). This forum ROCKS.
You are all going to love it, I just know it.
As I mentioned in the video, the next batch of new leaf necklaces are here.
Some of you have said this necklace has a special energy or magic powers… well, that's what happens when 100 strong women wear something at the same exact time. These are our little charms of strength. Just look at the new leaf photo album, I'm gathering pictures of all the single moms wearing one.
The winner of last week's believe post (randomly drawn by my closed eyes and wandering finger is Busy Momma 66, who as it turns out is a new single mom with a very, very interesting blog.) ).


text:
After weeks of reports of complaints and inquiries into the Affordable Care website, some Iowans are finding success.
Jerry Harrison of Fort Dodge is one of the lucky ones. It only took the retiree a few minutes to sign up for Obamacare.
After he keyed in all of his info, he found out he is eligible for about $530 per month in subsidies.
"When I was working I was on Blue Cross Blue Shield and it was like $175 a week," Harrison recalls. "And that was for excellent coverage. I'm thinking with the subsidy and everything it is now I'll be able to get into either an upper silver or gold coverage."
His advice to anyone still trying to sign up for Obamacare is stick with it and keep on trying.
"Be patient," advices Harrison. "I think if you're in an income level that you're struggling to get insurance, I think you're going to be pleasantly surprised."
Harrison hasn't yet purchased insurance through the website. He says he is waiting to see what other providers will offer before the recently extended deadline on March 31st.


text:
As of October 2015, Standard Fire Insurance Company offers property and casualty insurance, including auto, homeowners, renters and boat insurance, under its parent company, Travelers Companies; specific plans are not offered, but customers can choose the different elements of their coverage, note Travelers.com. Standard Fire Insurance Company is based out of Hartford, Connecticut and has been in business since 1905.Continue Reading
In terms of automotive insurance, Standard Fire policies may offer liability, collision or comprehensive coverage in addition to coverage for medical payments that result from an accident and coverage for damages and resulting medical bills caused by uninsured motorists who have no or inadequate insurance, notes Travelers.com. Vehicle insurance policies in certain states may also be eligible for personal injury protection coverage, which covers medical bills, lost wages and even childcare expenses resulting from injury in an auto accident.
Standard Fire's homeowners insurance policies may provide dwelling coverage, which can cover the costs to repair or rebuild a home following a covered event such as a fire or flood; personal property coverage, which reimburses homeowners for furniture, clothing, household electronics and other equipment destroyed by a covered event; and liability insurance, which covers damage to other people or personal property caused by the homeowner or the homeowner's family, notes Travelers.com.
A renter's insurance policy from Standard Fire covers damages to furniture, clothing and other personal belongings at the rental home or elsewhere. Buyers may also purchase renter's insurance policies that can cover bodily harm to visitors at the rental home or damage to the visitors' property.
Boat and yacht insurance from Standard Fire may cover physical damage caused by a collision with another boat or underwater obstruction, damages to personal property, bodily injury or personal liability for damage to others' property
Standard Fire also provides umbrella policies, wedding insurance and fraud protection as of 2015.Learn more about Insurance


text:
Peter Pan, in fullPeter Pan; or, The Boy Who Wouldn't Grow Up, play by James M. Barrie, first produced in 1904. Although the title character first appeared in Barrie's novel The Little White Bird (1902), he is best known as the protagonist of Peter Pan. The play, first composed of three acts, was often revised, and the definitive version in five acts was published in 1928. The work added a new character to the mythology of the English-speaking world in the figure of Peter Pan, the eternal boy.
The plot line reveals that, as a baby, Peter Pan fell out of his carriage and was taken by fairies to Neverland, where he can fly and is the champion of the Lost Boys. Revisiting England, Peter becomes involved with Wendy Darling and her younger brothers. Invited by Peter to come to Neverland to be the Lost Boys' mother, Wendy and her brothers fly with Peter to an island populated by pirates (including Peter's sworn enemy, Captain Hook of the brig Jolly Roger); a crocodile with a taste for human flesh; Tinker Bell, the irritable fairy; and Tiger Lily, a Native American princess in competition with Wendy and Tinker Bell for Peter's affection. Peter, however, shows little reciprocal interest: that sort of thing is for grown-ups, like caring and responsibility. The delight of the book lies in their magical adventures—their flights above the trees and the fights with Captain Hook—and behind it all is the never-stopping, ever-present tick of the clock that the crocodile swallowed (in addition to Hook's hand, which Peter had cut off). The Darling children eventually return home, taking the Lost Boys with them and leaving Peter Pan to his perpetual boyhood.
The play was first produced in December 1904, with Gerald du Maurier—Sylvia's brother and the father of writer Daphne du Maurier—playing both Mr. Darling, the father of the children spirited away by Peter Pan, and Captain Hook, the villainous pirate whom Peter defeats. Although the popular conception of the character is that of a charmingly impish figure, bent more on adventure and escaping the tedium of adulthood than anything truly sinister, the Peter of the play and books is anarchical, selfish, and murderous. For example, he kills the Lost Boys when they show signs of maturing. Notes by Barrie indicate that Peter was in fact intended to be the true villain of the story. The scene in the play introducing Captain Hook was included only as a means of filling the time needed for a set change. The iconic buccaneer was retained in the 1911 novelization of the play, Peter and Wendy.
When frequently portrayed on stage and in film, the role of Peter has usually been played by a woman. Maude Adams, an American actress, first portrayed the character onstage (1905), and Betty Bronson initiated the role in films (1924). Walt Disney produced a successful animated feature film (1953). In 1955 Mary Martin appeared as Peter Pan in an acclaimed musical version broadcast on television.


text:
After a nearly two-year odyssey marked with more hairpin turns than the Pacific Coast Highway, the account is up for grabs a third time. At a meeting of commissioners in the Lottery's Jackpot Room April 18, Commission Director-CEO Joan Wilson announced a new request for proposals for the creative and media contract, currently valued at $125 million over five years, following protests and threats of legal action from ad agency contenders.
All bidders, including the finalists, will be offered a clean slate. Timing of the new RFP, as well as the contract's value and duration-which could change-will be available sometime within the next three months.
Ms. Wilson, in a statement, said that during the 18 months since the Lottery began the process of choosing a new agency, she had "applied the requirements for government procurements to each bidder as fairly and honestly as possible. This is not private industry. Even if it would somehow result in a better deal for the Lottery, I just cannot waive a requirement for one bidder that would disadvantage another."
In the statement, she put the responsibility for the long-running review's difficulty on the agencies needing to "understand the higher standards involved in government contracting," particularly as they relate to disclosure of ownership. In an interview, she shunted aside criticism of the Lottery's lengthy review, saying "the Lottery always has to take into account the integrity of its process."
Grey Global Group's Grey Worldwide, Los Angeles, was awarded the account in 1997. In 2001, the Lottery put the four-year, $100 million business into review, later naming Omnicom Group's DDB Worldwide, Los Angeles, as its winner. Grey protested, arguing that DDB failed to disclose ownership of its media-buying arm, OMD. The Lottery then decided to conduct a second review, this time upping the ante to a five-year, $125 million contract.
Interpublic Group of Cos.' Foote, Cone & Belding Worldwide, San Francisco, was named apparent winner of the second review, but DDB, in letters from its attorney, characterized FCB's media-cost proposal as "lowball." Following an independent review by Deloitte & Touche, the Lottery decided there was no way to fairly compare the agencies' media bids.
Finalists Grey, DDB, FCB and Interpublic's McCann Erickson Worldwide, Los Angeles, were invited to place another bid for media only. DDB and Grey refused, alleging that the scores from creative and other aspects of the review were such that mathematically only FCB could win.
FCB faxed instead of hand-delivered hard copies of its media bid, resulting in disqualification. Last-place contender McCann was then named apparent winner, with the Commission vote finalizing the decision scheduled for last week.
DDB protested, noting that McCann failed to disclose ownership of Universal McCann, falling into the same disclosure quagmire that resulted in DDB's disqualification in the first round. McCann then countered, in documents filed with the commission, that DDB and Grey colluded in deciding not to file the media rebid (AA, March 31).
The result was last week's announcement declaring the entire process void. During the meeting, Michael S. Brockman, a Los Angeles TV executive who oversees the commission's marketing affairs, called on the Lottery to bring in an independent advertising industry expert to consult on the process. No decision was made on his recommendation.
Through a spokeswoman, the Lottery's legal counsel declined to comment on whether he would pursue the collusion allegations from McCann as well as other issues raised by the contenders.
Executives of the four competing shops declined to comment on the review. At least two of the finalists indicated they are considering participation in the next round.
The whole debacle has frustrated both participants and observers. "I'm upset as a member of the advertising agency community" over the Lottery review process, said Jerry Gibbons, exec VP, American Association of Advertising Agencies, based in San Francisco. "But I'm more upset because I'm a taxpayer."
contributing: claire atkinson and lisa sanders


text:
Woman Writes to Advice Columnist to Brag about How Awesome Her Boyfriend Is
(Image: unknown)
I think that the term for this note is "humblebrag." She knows that she's found an absolute keeper and is acting concerned as a way to show off her man. I can't really blame her.
Dear Perplexed:
What should you do? Marry him, of course!
-via Pleated Jeans
P.S. For a while, I've suspected that Neatorama would do well to have an advice column. What do you think?
View more fun pics over at our NeatoPicto Blog
Newest 4 Comments
An advice column would be AWESOME!!!
What?!? I thought this already IS an advice column. Isn't that what the comments sections are for?
I think the advice column is a great idea. You could really have some fun with that. And so could we--your readers.
1) I agree with marrying him.
2) I like the advice column idea.
2) I like the advice column idea.


text:
Welcome to Morgan & Wacker and Gold Coast Harley-Davidson®. Morgan & Wacker was established in 1917 and we are proud to be the oldest motorcycle dealership in Australia. We have the world's oldest Harley-Davidson® Dealership outside the USA and have also been a BMW Motorcycle dealer for over 55 years. We have the complete range of motorcycles across both brands and the experienced staff to guide you in the right direction.
We provide our customers with quality Harley-Davidson and BMW motorcycles from our stores in Brisbane, as well as Harley-Davidson motorcycles on the Gold Coast. As full-service dealerships, we offer Authorized Harley-Davidson® rentals for Harley-Davidson. We stock Harley-Davidson MotorClothes® and BMW Rider Equipment, along with all the accessories and parts.
Morgan & Wacker Motorcycles and Gold Coast Harley-Davidson also offers an extensive range of Harley-Davidson used bikes, as well as Morgan & Wacker BMW used bikes, so if you are looking for something unique and pre-loved we have the Harley or BMW for you! Our Master Technicians insure all our used motorcycles receive a complete inspection and once they pass all quality checks they receive the exclusive Morgan & Wacker Used Motorcycles tick of approval!
We provide finance and insurance for all bikes and service Harley® motorcycles and BMW motorcycles at all locations. So come down and visit us, check out the latest motorcycle models and chat with our friendly staff, we're here to provide the experience you've been looking for!


text:
We celebrated the first day of summer yesterday, and although the weather didn't quite convey this message, we are now in full sunshine mode, which of course means festival season! So get your wellies ready and your bags packed, as we give you a brief guide to some of the UK's best festivals, along with some festival essentials.
Established in 2011, Wilderness festival prides itself in creating relaxation with artistic flair and simple pleasures. Based in the hearty greenland of Oxfordshire the location boasts ample room and natural beauty, with a delightful lake to swim in.
Perfect for all the family, there are various activites to partake in, inlcluding art and craft stalls, yoga tents, theatre performances, a circus and more! Enjoy the incredible food by booking onto one of the Long Table Banquets hosted by Raymond Blanc and other incredible chefs.
Top your weekend by staying in some of the luxury camping accomodations, which really are a little piece of luxury!
Set in the breathtaking Brecon Beacons in Wales, The Green Man Festival offers spellbinding musicians, fields of freedom and feasts galore! Confirmed artists on the line up this year include the likes of Belle & Sebastian, James Blake and Laura Marling.
Along with the music, there are some excellent comedy performances literature pieces and film screenings.
Wanting to stay closer to home? Then look no further than the Somerset House Summer Series. Although not techically a 'festival', this will tick the boxes for the music, and the atmosphere. Set in one of London's most iconic landmarks, this year it returns with an impressive line-up of headline acts and emerging artists.
BST is back – bigger and better. Not only is there a variety of star studded performances from the likes of Take That, Florence and the Machine and Steve Wonder (to name a few!), but there will be an 'open house' occuring from Monday 4th-Thursday 7th July. During which, guests will be able to watch films at open-air movie nights, watch the tennis, and sample delicious street food.


text:
Early Learning Accreditation
Early Learning Accreditation
Clear Benefits
We know that children who receive high-quality early childhood education are better prepared to succeed in elementary and secondary classrooms.
Children actively engaged in early learning programs:
- are more social,
- earn better grades,
- require less or need no special education instruction later in school,
- improve their attention spans,
- are more likely to graduate from high school and attend college,
- exhibit fewer behavioral problems and
- are less likely to become involved with crime in later years.
But more importantly, these children are better positioned for long term success.
High Expectations
AdvancED is deeply committed to the care and education of all young children. We hold our accredited early learning schools accountable to high quality educational and childcare standards focused on teaching and learning as well as health and safety, providing families guidance in finding exceptional programs for their children. The AdvancED Standards for Quality Early Learning Schools support learning, growth and development of young children in a culture of continuous improvement that engages leaders, staff and parents.
Strong Foundation
Parents know that early learning schools awarded AdvancED Accreditation not only meet educational standards, but also provide the safe, encouraging and nurturing environment so critical to the development of young children. Put simply, early learning schools that have earned AdvancED Accreditation meet recognized standards of quality, impact children's lifelong learning and support young children in the highest regard. AdvancED Performance Accreditation for Early Learning Schools motivates schools to continuously improve on behalf of the young children they serve.


text:
Please note that all beckett.com purchases, including Online Price Guides and Beckett Marketplace purchases will be charged in U.S. Dollars
Please let us know a convenient time to call you on
(*All time slots are available in CDT zone.)
Thank you for choosing this service. Our experts will call you on your preferred time.
Inserted in packs at the rate of four per pack, this 220-card set features color action player photos with gold foil printing.