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Over the last few days, there has been a flurry of activity regarding the LG Nexus smartphone that is rumored to be launching sometime this month. And while some details still remain in the shadows, it now looks like we have a pretty good bead on the LG Nexus as photos and benchmarks of the device seemingly leaked out ahead of its presumed launch.
Android and Me unearthed some purported photos of what appears to be the LG Nexus, photos that they are saying have been confirmed to be the LG Nexus by a source who went hands-on with the smartphone. The only difference is that the device that the source played with had a Nexus logo on the back with an X featuring several different colors. That of course is Google's Nexus logo.
Photos that leaked earlier did not display the final design of the phone while these new photos appear to reveal the design in a finalized state. The design looks eerily like the Galaxy Nexus, the previous Nexus smartphone, in some ways.
Read: LG Nexus Launch Date Reportedly Set for October.
The device apparently has a codename of Mako, all Nexus devices have codenames of sea creatures, and because that name has been revealed, associated benchmarks have all but confirmed some of the device's specifications.
A Nenamark benchmark score for a Mako-named Android phone showcases a Qualcomm's 1.5 GHz quad-core Snapdragon S4 Pro processor with Adreno 320 graphics processor.
We also see that it features a display running 1196×768 resolution (without the on-screen navigation keys it's 1280×768) though we don't know the size of the screen. Previous rumors indicated that the LG Nexus would possess these specifications:
- Based on Optimus G, but sports a different look
- Android 4.2 Jelly Bean
- Quad Core Snapdragon S4 processor
- 1280×768 True-HD IPS screen
- On screen soft keys
- 8 Megapixel Camera
- No microSD slot
- 8GB and 16GB versions only
- Non-removable battery
- Wireless charging built in
So, it's looking more and more like this is going to be at least one of the Nexus smartphones that arrives this year and if rumors hold up, this is a device that will be out sometime this month.
Read: 3 Reasons Not to Buy the Rumored LG Optimus Nexus.
A likely launch date is October 29th-30th where Andy Rubin will take the stage at the All Things D: Dive Into Mobile conference, the same conference where he announced the Motorola Xoom and Android 3.0 in 2012.
LG is also heavily rumored to be joined by HTC, Sony, and Samsung in the Nexus program though the Samsung Galaxy Nexus 2 is the only device that has leaked out. We've heard that HTC's 5-inch device may launch as the Google Nexus 5 but those rumors are a bit less credible at this point.
Is this LG Nexus going to be your next phone?


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- True 650-yard ranging capability
- Displays in .1-yard increments
- ID (Incline/Decline) technology
- Easy-to-View uncluttered LCD display
- Large ocular lens
- Tru-Target Technology
- Single button operation
- Ultra-compact size
The PROSTAFF 3i Laser Rangefinder 6x21 is a pocket-sized tool that utilizes Nikon's ID (incline/decline) Technology and provides precision, speed and consistency out to 650 yards. It also features Nikon's legendary multicoated optics, waterproof/fogproof ruggedness, pocket-sized portability, long eye relief and Tru-Target Technology.
Nikon's advanced ID (incline/decline) Technology allows users to range horizontal distance to targets from a hilltop or valley with the same confidence and ease as ranging over flat ground—simply aim, push the button and plan your shot according to the displayed distance. Only one number is displayed, the correct distance needed to make the shot.
The PROSTAFF 3i is easy to use in the field with a high profile display, single button control and ergonomic frame. Holding the measurement button down allows for continuous measurement as the user scans the terrain, which can also be highly effective for ranging the distance to a moving target. The PROSTAFF 3i displays ranges in .1 yard or meter increments and features an automatic power shutoff after the reading has been displayed for eight seconds.
It also features Tru-Target Technology that allows users to select between first target priority mode and distant target priority mode. First target priority mode displays the distance of the closest subject while distant target priority mode displays the range of the farthest target among a group of targets measured.
With bright, multicoated 6x optics, the PROSTAFF 3i offers high-resolution images in most lighting conditions. An easy-to-view uncluttered LCD display makes ranging fast and easy, even in bright sunlight. Its compact frame weighs just 5.6 ounces, fits comfortably in a pocket or pack and can be worn on a belt without interfering with your shot.
The PROSTAFF 3i features an exit pupil of 3.5 mm for maximum brightness under less-than-ideal lighting conditions. It has a long 18.3mm of eye relief, which provides easy viewing, even for those who are wearing eye glasses. The rainproof construction makes it the ideal choice for inclement weather.

subset: commoncrawl


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Some of the most common types of wood used for barbecuing include oak, hickory and mesquite. There are many other options to choose from as well, such as apple, cedar, acadia and ash.Continue Reading
Oak imparts a very smoky flavor to the meat, and it is one of the most commonly chosen woods for barbecuing, according to Texas BBQ Rub. Many fruit tree woods, such as cherry and apple, result in a sweeter taste when combined with lighter meats. Citrus trees are known for producing a balanced smoky flavor, less heavy than oak and hickory but stronger than birch and alder.Learn more about Outdoor


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Baggers, sprayers and spreaders, tillers and cultivators, and snow-handling equipment are some types attachments available for garden tractors. The attachments can perform a wide variety of tasks in both large and small applications. Other types of attachments available for garden tractors include chippers, carts, aerators and dethatchers, and raking and leveling gear. Some attachments are made to fit specific brands or models of garden tractors, while others may require special mounting equipment; many use a universal hitch system.Continue Reading
A wide variety of garden tractor attachments is typically available from stores that sell home improvement products and equipment such as Sears, The Home Depot and Amazon.com.
Baggers, which are designed to fit specific models of tractors, connect to the discharge unit on the vehicle to collect grass clippings and other debris generated while mowing. This type of attachment typically is available in single, double and triple bin configurations to provide the required capacity.
Sprayer and spreader attachments allow for the easy and even distribution of many items including seed, fertilizer, ice melt, herbicides and pesticides. Tillers and cultivators are typically used to break up and prepare the soil before planting a garden. Both types of attachments usually have universal pin-style hitches that can be adjusted to fit many different garden tractors.
Snow-handling equipment includes snow blowers and blades for pushing snow. Many times this type of equipment requires a one-time installation of mounting brackets or other devices that connect to the attachment and operate its functions.Learn more about Agriculture


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Think of this program as a slingshot, but not a long-term plan. The principles within can be used forever, but this is just the first step in making career gains in the next 30 days for the ectomorph.
- What Is "Hardgainer"? Considering the increased amount of fruitless results in the gym, it appears to be a mix of poor training, nutrition and genetics. Although no direct etiology is found.
- Do I Have "Hardgainer"? Perhaps. It's hard to tell at this point, but with proper nutrition principles and exercise prescription most signs point to no.
- Can I Catch "Hardgainer" From A Friend? Yes. In fact, it seems to travel in packs of men influenced by faux-workouts printed in popular press magazines with empty promises.
- How Do I Avoid Others With "Hardgainer"? You'll be deprived of the exact equation, but a standard assumption is anything under a tight large T-shirt for males taller than 5-foot-9.
Recognizing deception is key, especially in the lay population (i.e. cutting sleeves off a T-shirt from a youth baseball league 10 years ago so it appears tight and they large). Early detection is the key to prevention.
The Best Strength Training Program
The primary goal of this phase is to introduce proper tension, volume, and intensity over the course of the month to allow for the most rapid strength gains without inhibiting recovery.
The best strength training program for the hardgainer is surprisingly a full body workout 3 times per week, or an upper/lower split each done 2 times per week. Why? With typical bodybuilding programs you need to use multiple exercises to induce hypertrophy in the muscle.
Isolation exercises in intermediate to advanced bodybuilders can create a lot of muscle breakdown (and subsequent amino acid uptake by the muscles).
In the amateur lifter who lacks muscle mass, less total volume is needed to get the same relative amount of breakdown. Not to mention, isolation exercises in the beginner are done with such insignificant weight it's common sense to stick with heavier exercises.
The 3-day full body program is rather difficult for many to digest. We've been bred to think that more is better. But more isn't better. Better is better. For someone struggling to gain mass, a different approach must be taken. Allow me to explain the benefits of a 3-day program.
A 5-day per week body part split only gives us 4 opportunities to hit each muscle group for the month (once per week). With a full body split we have 12 growth opportunities (3 per week) over same period and an upper/lower split, 8 (2 per week).
With a high metabolism, more time is better spent out of the gym. Exercise causes an increase in energy expenditure and, in terms of gaining muscle, can only be countered by increased food intake.
To my way of thinking, 12 growth opportunities without too much of an increase in metabolism is a phenomenal way to ignite muscle growth.
We know that muscle is built outside the gym, so prioritize rest. Couple this with the fact that Rhea and colleagues (2003) found 3 times per week training to be best for beginners.
The Workout
So given a 3 day split, the next step is to use daily undulating periodization. Coach Alwyn Cosgrove likes this method for a one reason: it works.
It has been shown by, again, Rhea and colleagues (2002) to be better for strength gains. This brings us to a 3-day per week full body program with a rotating rep scheme for maximal hypertrophy gains over the next 4 weeks.
You may have expected the next high volume program packed with tons and tons of exercises and workouts over the next 30 days, but this isn't it. Evidence based knowledge is going to prove superior if you do two things:
- Train hard
- Believe in the program
You'll notice I've selected 3 tempos for this phase: slow, controlled and fast. The only thing you need to be counting during a set is the number of reps. If you know what tempo is prescribed you can easily adjust the rhythm of each rep to roughly match it close enough.
Tempos are one variable guys look at on a program, but never pay much attention to. Let me tell you this is critical to increasing the time under tension - which will ultimately influence the quantity of muscle growth.
A slow tempo should come out to roughly a 4-5 second rep. A controlled tempo is a 2-4 second rep and a fast rep is a typical just-lift-the-dang-bar pace.
The concentric, or exertion, portion of every lift shouldn't be controlled. When you accelerate a weight fast, or attempt to, you increase the amount of force the muscle is producing. This will help increase the growth response. With tempos, only tweak the eccentric (lowering) or pause at the bottom.
|5 x 5 reps
|120 seconds
|4 x 10 reps
|90 seconds
|3 x 15 reps
|60 seconds
|2 x 20 reps
|30 seconds
|5 x 5 reps
|120 seconds
|4 x 10 reps
|90 seconds
|3 x 15 reps
|60 seconds
|2 x 20 reps
|30 seconds
|5 x 5 reps
|120 seconds
|4 x 10 reps
|90 seconds
|3 x 15 reps
|60 seconds
|2 x 20 reps
|30 seconds
During this 30-day period, each workout will have a different rep range each week, and it will repeat on the 29th day, carrying into day 60 and beyond.
The Exercises
Barbell Squat5 sets of 5 reps
Barbell Bench Press - Medium Grip5 sets of 5 reps
Gironda Sternum Chins5 sets of 5 reps
Barbell Lunge5 sets of 5 reps
Standing Military Press5 sets of 5 reps
Bent Over Barbell Row5 sets of 5 reps
Triceps Pushdown5 sets of 5 reps
Close-Grip EZ Bar Curl5 sets of 5 reps
Barbell Deadlift4 sets of 10 reps, 90 seconds rest
Incline Dumbbell Press4 sets of 10 reps, 90 seconds rest
Seated Cable Rows4 sets of 10 reps, 90 seconds rest
Split Squats4 sets of 10 reps, 90 seconds rest
Wide-Grip Lat Pulldown4 sets of 10 reps, 90 seconds rest
Arnold Dumbbell Press4 sets of 10 reps, 90 seconds rest
Lying Triceps Press4 sets of 10 reps, 90 seconds rest
Alternate Hammer Curl4 sets of 10 reps, 90 seconds rest
Front Squat (Clean Grip)3 sets of 15 reps, 60 seconds rest
Seated Dumbbell Press3 sets of 15 reps, 60 seconds rest
Bent-Arm Dumbbell Pullover3 sets of 15 reps, 60 seconds rest
Romanian Deadlift3 sets of 15 reps, 60 seconds rest
One-Arm Dumbbell Row3 sets of 15 reps, 60 seconds rest
Dumbbell Flyes3 sets of 15 reps, 60 seconds rest
Wide-Grip Standing Barbell Curl3 sets of 15 reps, 60 seconds rest
Dips - Triceps Version3 sets of 15 reps, 60 seconds rest
Muscle-Gaining Nutrition
Muscle-gaining nutrition is still a source of contention for many. I'm guilty of taking a simplistic approach to gaining mass. Some may disagree with me, but I am a fan of liquid nutrition for gaining mass.
Liquid nutrition does two things I like: it's easy to "sneak" a lot of calories into a drink and it's never as filling as whole food (8oz steak, 6 oz sweet potato, and a vegetable).
For the hardgainer, I prefer a higher carbohydrate diet due to some hormonal factors (higher catecholamines, thyroid, etc) and it helps keep protein from getting too high. High protein diets are used often when leaning out to increase metabolic rate, something we want to control when trying to "out-eat" your metabolic machinery.
A protein and carbohydrate blended protein powder works well when making drinks throughout the day and best in a ratio of at least 2g carbs to 1g protein. Beverly International Mass Maker is one of my all time favorites but I've blended a pure carbohydrate with a whey protein isolate more often than not.
My choice is to either eat 4 food meals and 3 shakes, or 3 food meals with 4 shakes. My preference is really neither because my decision usually depends on how busy I am running around on a given day. Generally the busier, the more shakes make their way into my diet.
I've done everything from grinding oats to adding way too much olive oil to my shakes in the past. My stomach has been through the gauntlet as my personal laboratory.
This is largely why I prefer powders now. You should strive to have a minimum of 500 calories per shake through additions like skim milk, heavy cream, peanut butter, or carbohydrates. With 7 meals per day at roughly 500 calories per pop you'll be in the ballpark of 3500+ calories. This should be sufficient for growth.
Of course your whole food meals should consist of 30-40g protein and 40-50g carbohydrates as slow digesting, low glycemic options. With ample amounts of fat you should easily hit 500 calories per meal.
While the advice contained here is far from sexy, it's what I'd bet on. This type of routine is tried and true, backed by research and real-world success, and will help you gain the maximum amount of mass if you give it your all the next 30, 60, 90 days and beyond.


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Bristol Lantern is rated out of 5 by 4.
Rated 5 out of 5 by kahoda2 from Great Value Lanterns were exactly as described. Shipped quickly and packed well. Good quality and a great value.
Date published: 2018-01-23
Rated 4 out of 5 by TM144 from Lanterns Love my lanterns. The large one came in with a broke door, but they quickly replaced it. They look wonderful lite. The con with them is you have to leave the doors open if you use real candles because they don't have vent holes.
Date published: 2017-03-09
Rated 3 out of 5 by Yogie from So, so Not the most quality product Grandinroad has. Size, shape is great. From a distance look good but when you look at details, doors are not centered on frame; larger gap at top. Although we do like the handles they are same size therefore on smaller size handle drops down below latch. On front doors, the metal tabs that hold the plexiglass in show through the door. No way to sink into wood. Not sure why only the front door has option to remove glass. Speaking of glass, it's plexiglass which was a disappointment. These look nice but not sure how they will hold up outside. Should have sent back but didn't want to be bothered with the hassle. Very positive comment is these came in individual boxes and nicely packaged.
Date published: 2016-12-17
What size candles do they take?
I suggest 3" and 6" but look at details to see exact measurements. I plan on using battery operated because there is no way for the heat from the flame to escape and get air unless you remove front plexiglass panel on door.
Date published: 2016-12-17
Product:150734-Bristol Lantern


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By Fiona Hurrell, Senior Contributing Reporter
RIO DE JANEIRO, BRAZIL – Esteemed designer Gilson Martins, responsible for an eye-catching and chic collection of bags, purses and accessories that feature iconic Rio and Brazil images, presents a new collection for Carnival. In an event that took place on Saturday, January 25th and will run until the end of February, the lively Ipanema store showcases some of its most inspiring pieces yet.
The name of the collection is 'Bondinho do Alemão, me leva pro Carnaval!' which translates to Cable car of Complexo do Alemão, take me to Carnival.' The bags themselves are shaped like a panetone and show scenes of Carnival on each side.
They are displayed hanging from a wire, representing the cable cars which transport passengers across the Complexo do Alemão favela community.
Designer and brand namesake Gilson Martins was at the event's launch party and explained, "The concept of the cable car with the Carnival theme is that, like the cable car which carries people, the bag carries the message of Carnival upon it."
What is most interesting perhaps and a testament to the brand's creativity, is that the collection is the result of a creative project set for the company's production craftsmen and women – to see who could come up with the most original design.
Gilson Martins explains, "They had two months to complete their bags and they were doing them in their lunchtimes and at home. Like me, they grew up around Carnival and samba and so these designs are close to their hearts. You can see that from all the tiny details."
Clearly proud of his team, Gilson said, "I love [them]. There is no limit to their creativity, they have a lot of talent and I think [projects] like these help them to discover that in themselves."
The event was indeed very popular with passers-by who were intrigued by the band playing in the window and the colorful display. Irish traveler Grace Cornally said, "I love [the designs] they are great Carnival souvenirs, all really impressive."
At the Gilson Martins store on Copacabana Beach an event equally as vibrant has been taking place since January 19th until February 23rd, titled Máscaras do Pão – Do Lixo ao Luxo (Masks of bread – from waste to luxury).
As with the Ipanema store, the production team was given the opportunity to create an exhibition, this time of masks, which combine aspects of the Pão de Açucar (Sugarloaf) with the grand balls and parties of yesteryear.
According to Martins, "The designs take the Sugarloaf form, one of the greatest landmarks in the city, to create masks which are inspired by Carnival songs and traditional balls."
In typical Gilson Martins style, the events have been more than just an exhibition. Once again, music played a huge part with traditional drums and percussion sounds that reflected the spirit of Carnival and of course, no Gilson Martins party would be complete without a Caipirinha. Staff were on hand mixing a variety of Caipirinhas made with special Sagatiba cachaça, lending a very Brazilian theme to the day.
To see the collections for yourself and get in to the party spirit, visit the store on Avenida Atlântica, Copacabana and Visconde de Pirajá, Ipanema or see the website.


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Author : Amy C. Baker.
Published : Sat, Mar 31 2018 :3 PM.
Format : jpg/jpeg.
Category : JD Templates.
Topic : Job description format samples.
A job description is an internal document that clearly states the essential job requirements, job duties, responsibilities, and skills required to perform a specific role. A more detailed job description will cover how success is measured in the role so it can be used during performance evaluations. They are also known as a job specification, JD, and position description (job PD).
In identifying an essential function to determine if an individual with a disability is qualified, the employer should focus on the purpose of the function and the result to be accomplished, rather than the manner in which the function presently is performed. An individual with a disability may be qualified to perform the function if an accommodation would enable this person to perform the job in a different way, and the accommodation does not impose an undue hardship. Although it may be essential that a function be performed, frequently it is not essential that it be performed in a particular way (EEOC, 1992).


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- Capacity Auction
- Utility Transformations
- Utility Transformations
- Demand Response
PJM's Latest Capacity Auction Shows Drop in Demand Response, but Not Catastrophic
The holding of breath for PJM's annual capacity auction results ended on May 23, with the results indicating mixed feelings. The price for most of the market was down from $100/MW/day for the 2019-2020 auction last year to $76.53/MW/day for 2020-2021. However, certain subzones cleared at nearly twice that price or more, so bidders in Chicago, Philadelphia, New Jersey, and Cincinnati came out smiling.
For demand response (DR), there was a lot of speculation going into the auction about the effect that the first 100% Capacity Performance procurement would have. Some analysts predicted 50% or greater reductions in DR participation, assuming most DR providers and customers would not want to take on annual performance risk. In my Market Data: Demand Response report for Navigant Research last year, I estimated a 25%-30% reduction, feeling that large commercial and industrial (C&I) customers would continue to participate; DR providers would continue to aggregate midsize C&I customers with more conservative megawatt values; and residential DR would take the biggest hit since it is almost all summer based.
Pricing, Aggregation Rules Influence Auction
The actual reduction was 24% from the last auction, dropping from 10,348 MW to 7,820 MW. Nothing to sneeze at, but far from a total market abandonment. Last year, only 614 MW of DR cleared as an annual product, so there was a large portion that was willing to convert. Pricing may have influenced DR quantities as well. While all zones decreased year-over-year, the zones with the lowest prices showed the biggest drops and those with higher than expected prices shed fewer megawatts.
This was also the first auction in which PJM instituted new aggregation rules, where summer and winter resources could match up with each other to meet the annual obligation. While 2,000 MW of summer resources (mostly DR, energy efficiency, and solar PV) submitted aggregation bids, only 485 MW of winter resources bid (mostly wind), limiting the effects of the new mechanism.
Silver Linings
Historically, EnerNOC has happily proclaimed its percent procurement of PJM DR in the auctions, but has been quiet the last couple of years. However, this year EnerNOC tweeted: "@EnerNOC captures 34% of the DR market in #PJM BRA."
On the residential DR side, it appears that the Exelon utilities—which have been the biggest bidders in that sector—largely pulled out of the auction from the supply side. The utilities had put out an RFP in March looking for 700 MW of winter resources with which to aggregate, but apparently did not find enough partners. However, this does not mean that they exited the capacity market entirely. PJM reported that, for the first time, price-responsive demand resources cleared in the auction to the tune of 558 MW, mostly in the Baltimore Gas and Electric and Pepco regions—likely from those host utilities. If those megawatts get added to the DR megawatts that cleared in the auction, the drop is only 19% from last year.
All in all, I'd consider this a positive outcome for DR compared to some of the draconian forecasts. Now we'll have to see how well the market performs once the annual requirement kicks in.


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OUR MISSION: Prison Voice Washington exists to help redesign and update Washington's broken prison system by introducing common sense, humanity, and the latest scientific research into policy discussions. Our goal is to improve both the safety of our communities and the lives of prisoners by expanding opportunities for rehabilitation. We also seek to update our laws and policies to reflect what works, based on the last 30 years of social science research.
Our legislative agenda for 2017 includes
- creating a Corrections Ombudman's Office to provide independent oversight of the Department of Corrections,
- expanding educational opportunity within prisons, including vocational training and higher education
- revisiting sentencing guidelines
- reducing the impact of legal financial obligations,
- recreating a system of sentence review/parole
- bringing Washington prisons into compliance with the governor's executive order requiring access to healthy food in all state agencies and organizations
WE ARE people who have experienced the prison system first hand, either as as directors of prison programs, prison teachers, and volunteers, or as former prisoners and their families. As a result of what we have seen, we are compelled to give voice to our belief that Washington's criminal justice system and the Department of Corrections are failing our communities. Prison Voice Washington works to provide answers to the many problems and sticking points in this outdated system.
WE BELIEVE that people can and do change. We believe that incarcerated people deserve the opportunity to work and learn meaningful skills. We believe that education and hope for a better life are fundamental drivers of successful outcomes for prisoners and the communities they will be released into one day.


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Panel Discussion
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Moderated by Raimund Genes, Chief Technical Officer, Trend Micro
Allwyn Sequeira, Neil MacDonald, and Jim Reavis answer a variety of questions from live and online audience members. Some of the questions fielded by the panel include: How to protect data in transit? Is virtualization required for cloud-based security? How can banks put customer data into the cloud and certify to regulators that it is protected? The panel provides insightful responses to each of these questions and more.


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The National Boards undertake wide-ranging consultation on proposals that affect the professions.
From time to time, they release consultation papers, asking stakeholders to provide input that will help shape registration standards, codes and guidelines, and policies.
Where there are consultations which have closed, they will be shown under Past Consultations, along with the submissions that were received.
For information about our consultation process, visit the Procedures page.
Listed below are links to the 'Current Consultations' sections of each profession:


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National Republican Senatorial Committee (NRSC) is offering a Free Put That Coffee Down #SemperLatte Sticker . If you would like to receive one, head over here and fill out the form. A donation is NOT required so just close out the page when you get to that.
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November 29, 2016 6:40 am
Trump will get all the trolling and more that Obama received. Should be another hateful 4 years.


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The price of adhesives is forecast to rise due to increasing construction demand and input costs
Los Angeles, CA (PRWEB) July 10, 2014
Adhesives have a buyer power score of 3.3 out of 5, which indicates moderate purchasing power in the market. According to IBISWorld procurement analyst Agiimaa Kruchkin, "over the three years to 2014, product prices are anticipated to rise moderately on the back of rebounding activity in downstream markets and robust growth in external demand drivers, slightly restricting buyer power." Factors like market share concentration, price driver volatility and supply chain risk are moderate and, hence, on the fence, so their impact on the purchasing environment is negligible. At the same time, low switching costs and low product specialization have provided relief to buyers. Also, the moderate availability of substitutes favors buyers, having supported negotiation power in the three years to 2014.
Starting in 2010, downstream construction, manufacturing and automotive sectors have rebounded strongly on the back of reviving economic activity, fueling demand for a variety of adhesive products. Suppliers have benefited from the recovery in the downstream markets, which encouraged them to raise their prices. Furthermore, external demand drivers provide a proxy for the activity in the downstream markets. "For instance, the growing value of construction is representative of the use of adhesives in commercial and industrial building projects," says Kruchkin. Similarly, new car sales measure the performance in the downstream automotive market, whereas manufacturing capacity utilization represents the activity in the domestic manufacturing sector. As all of these drivers expand, demand for adhesives grows, in turn supporting product price growth.
Purchasing conditions are also largely shaped by input costs. Manufacturers of adhesives require a variety of raw material inputs, such as petrochemicals. During the three years to 2014, the price of chemicals and allied products is anticipated to grow, lifting purchasing costs for suppliers. Consequently, many vendors in the market have passed down cost increases to buyers in the form of higher prices, limiting buyer power to an extent. Buyers should consider entering multiyear supply agreements with vendors, locking in current prices and hedging against future price volatility. The four largest vendors in the market are 3M, PPG Industries, Dow, and Henkel.
For more information, visit IBISWorld's Adhesives procurement category market research report page.
Follow IBISWorld on Twitter: https://twitter.com/#!/IBISWorld
Like IBISWorld on Facebook: http://www.facebook.com/pages/IBISWorld/121347533189
IBISWorld Procurement Report Key Topics
This report is intended to help buyers of adhesives. Adhesives are products used to hold two surfaces together by bonding them. Adhesives in this market can be categorized into wet, contact, reaction (single-component reaction and two-component reaction), hot-melted and pressure-sensitive varieties. Adhesives have diverse applications in the automotive, construction, aerospace, packaging and manufacturing markets, among others. This report excludes tape products, as well as asphalt, dental, medical, surgical, natural and gypsum-based adhesives.
Executive Summary
Pricing Environment
Price Fundamentals
Benchmark Price
Pricing Model
Price Drivers
Recent Price Trend
Price Forecast
Product Characteristics
Product Life Cycle
Total Cost of Ownership
Product Specialization
Substitute Goods
Quality Control
Supply Chain & Vendors
Supply Chain Dynamics
Supply Chain Risk
Competitive Environment
Market Share Concentration
Market Profitability
Switching Costs
Purchasing Process
Buying Basics
Buying Lead Time
Selection Process
Key RFP Elements
Negotiation Questions
Buyer Power Factors
Key Statistics
About IBISWorld Inc.
IBISWorld is one of the world's leading publishers of business intelligence, specializing in Industry research and Procurement research. Since 1971, IBISWorld has provided thoroughly researched, accurate and current business information. With an extensive online portfolio, valued for its depth and scope, IBISWorld's procurement research reports equip clients with the insight necessary to make better purchasing decisions, faster. Headquartered in Los Angeles, IBISWorld Procurement serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit http://www.ibisworld.com or call 1-800-330-3772.


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Disney Live! - Performer Auditions
Scheduled Audition Dates & Locations:
There are no auditions scheduled at this time.
Please continue to monitor this website for future audition announcements.
Disney Live! is seeking Male and Female dancers, character performers, and tumblers for replacement and back up contracts for the 2017-2018 production of "Disney Live! - Mickey & Minnie's Doorway to Magic". Specialty skills such as jump roping, color guard, puppetry, and foreign language skills are a plus. Replacement contracts could run between 6-12 months with competitive pay, benefits, and domestic and international travel.
Please bring to the audition a non-returnable headshot and resume. We also accept photos of any Disney Face Character look-a-likes you have portrayed. All performers will learn a dance combination. Ladies, please arrive with performance ready hear and neutral stage make-up. Gentlemen, arrive clean shaven. Please wear fitted dance or athletic attire. Oversized garments / layers will need to be removed for the audition. No hats please. You must be at least 18 years of age to audition.
We ask for all interested performers to attend a live audition for casting consideration, as our audition process caters to our very specific casting needs. At this time, we are unable to cast performers based on online submissions only. However, if you wish to supplement your audition with additional digital materials, we will gladly accept your headshot, resume, and/or audition reel at: [email protected]


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Greetings all, I hope this finds everyone well, especially those in Houston who are sweltering amidst the searing heat. Anyways, I've wanted to answer a question that various people have been asking of me, for a few years now: "Why do I push myself so hard?" Well......it's a question that took me a lot of time to answer.
I guess I've always loved photography, but around four years ago, I found a real love and passion for photography, not just as a means to support myself. Being a part of something special, ranging from sports to portraits, being able to create memories is a real joy for me. After a downturn in my efforts across 2010, I honestly lost confidence and faith in myself. But after some encouragement from an old friend and some strokes of luck, I regained my confidence and pushed towards the highs I experienced earlier. Also, I've taken to challenging myself and doing different things within the scope of my craft, such as setting up a remote camera for baseball or location lighting for portrait sessions. And all that is as much about thinking outside of the box as much as I don't want my efforts to become stale. Pushing myself to do different things is a built-in challenge, but it always lends results.
But most of all, I guess I push myself for reasons past professional. I seriously doubt I'll be fortunate enough to have a family of my own, loving wife, awesome children children, all of that. But I do know that I can be a hard-working photographer, capable of creating great imagery, so I've decided to put everything of myself into that and go from there. And while the path has been a very lonely one, it's been a productive one as well, especially thus far this calendar year. And that is my achievement, as good an achievement as one can hope for in life.
Anyways, that's it for now. I hope everyone has a great weekend coming up. Thank you for your time, and until next time, fare thee well.
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Automation of mobile systems
Reliable localization of a mobile system, the planning of routes and the position control are important requirements for many applications such as production, logistics or service robotics.
In coordination with the client we plan the optimized routs and the type of navigation for the existing infrastructure of an area and necessary conditions of the operating procedure. We develop and implement customized and cost-effective solutions which are adapted to the requirements of the customer. Combined with the recognition of objects mobile systems are used in various ways. In the production process boxes including workpieces can be transported, products of the Warehouse are prepared for distribution or be placed at the appropriate location and much more.
Because of the Know-How of our engineers we can automate already existing vehicles such as forklifts or trucks.
We are glad to answer your questions.


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Today I went to the funeral of my great uncle James Johnson, my paternal grandmother's older brother. He was one month shy of turning 90. He was recently honored by his church for having been a Baptist deacon for 50 years. He's had cancer for the last several years. He was a good man.
I returned from the funeral to discover that the cancer prognosis of my friend Michael Spencer, the Internet Monk, is grim. Not good at all. Maybe six months. Maybe he's got a year. And this is the year his first book is being released. Finally. This was supposed to be his big year. And now…
Michael's wife Denise wrote this yesterday:
Though he will still say with unashamed honesty, "I don't want it to all be over at age 53!" he has the confidence of knowing that he has run the race God set out for him. He believes he has done the work our Lord intended for him to do, and if the last task God has for him in this life is dying, then he will do that to the best of his ability.
Whether you're living or dying, whether you're a middle-aged blogger in Kentucky or an elderly deacon in Texas, whether you're enjoying ice cream with your girlfriend or wrestling with your kids, whether you're going to school or heading off to the factory, whether you're working or playing or singing or laughing, do it to the best of your ability.
Do it because you can.
And do it well.
Life is too short to aim low.


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A teenager lost control of his car and caused a crash on the Snake Pass which left two of his friends with serious brain injuries, a court heard.
Christy McCorry had only been driving for a week when he crashed his mum's Ford Fiesta head-on into a tree in Bamford at about 10.30am on April 16.
The 18-year-old, of Hathersage, was described as "inexperienced" and not "reckless" by magistrates after the car careered off the carriageway of the A57 near Hagg Farm, ending up on the embankment 40 metres below.
Rear seat passengers Ashley Hawkins and Richie Morgan were severely injured in the incident and were put in medically-induced comas.
Prosecutor Jennifer Fitzgerald said Mr Morgan suffered a traumatic brain injury, cracked ribs, a punctured lung, pneumonia and double vision due to the accident, spending more than 40 days in hospital.
She added Mr Hawkins, who remained in hospital until July, also suffered a brain injury and a punctured lung.
When he was in a coma, his mother was told by medical staff at the Royal Hallamshire Hospital in Sheffield that there was a significant chance he could be a "permanent invalid".
The court heard both men were recovering and remained friends with McCorry, who admitted driving without due care and attention at High Peak Magistrates' Court on Monday. Police confirmed he had not broken the 50 miles per hour speed limit and he had not been drinking.
When interviewed McCorry said when approaching the right-hand bend, he was travelling in fourth gear and must have "understeered".
Berihan Abbas, defending, said her client was "incredibly sorry" about what had happened and that he was a "fine and outstanding man".
Quoting his employers, Christine and Robert Simpson, who own the Rose Cottage Cafe in Castleton where McCorry works part-time, she said he was also "reliable", "well respected" and "unassuming". She said he hadn't driven since the incident and it had taken him a long time to socialise again.
Chairman of the Bench Gerry Tootell described the event as "tragic" for the parties concerned, saying: "It was not a case of you being reckless but of being young and inexperienced."
McCorry was fined £225, ordered to pay £35 costs and a £20 victim surcharge. He was also given seven points on his licence and he will have to retake his test.


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Obtain free body wash by going to the coupon website, SampleBuddy.com, and finding the section entitled Free Body Wash and Soap Samples. As of October 2015, this website had a list of free body wash samples for users to claim from such brands as Lever 2000, Dove, Dial and Zest. In addition, the website PrettyThrify.com also posts links for users to follow to obtain free body wash samples when available.Continue Reading
SampleBuddy.com is a website devoted to rounding up and providing coupons and free samples for a variety of different companies and products in one place. Users can search categories for specific free samples to sign up for. These Freebie Categories are listed on the left side of the homepage. Click on the orange tab entitled Free Body Wash for links to more websites to visit to obtain samples.
PrettyThrifty.com also has a section entitled Free Body Wash Samples that is regularly updated with current offers. Brands of body wash that one could obtain free samples for by visiting PrettyThrify.com included Equate, Dove Deep Moisture, Minute Clinic, Dial Acne Control and Zest. In some cases, customers are required to pay shipping costs for their free samples. In other cases, registration with the brand's website or email newsletter may be required in order to obtain a free body wash sample.Learn more about Soap & Body Wash


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Canon HV10 Camcorder Review
**Video Performance ***(9.0)*
The Canon HV10 comes equipped with a very large 1/2.7" CMOS chip, with approximately 2,960,000 pixels (this translates to 2,070,000 effective pixels in HDV and 16:9 DV modes, and 1,550,000 effective pixels in 4:3 DV. CMOS chips have become increasingly popular with manufacturers for a number of reasons. First of all, they are produced on machines that can make other types of products – that sort of multi-purposing is a big money saver. Secondly, CMOS chips perform a lot more of the image processing on-chip, which cuts down on power consumption. Thirdly, and most significantly for consumers, CMOS chips allow for more precision image processing, meaning that individual pixels can be targeted for correction rather than the image as a whole, which is how most CCDs work. The particular CMOS chip on the HV10 does not necessarily have this type or processing, but that's definitely the direction in which imaging is headed.
In order to fully evaluate the Canon HV10's performance, we looked at both HD and DV video. Although most users will likely shoot, or intend to shoot, in HD, the fact is that sometimes HDV is just too large. If you plan on editing and you don't have adequate storage or processing power, you're likely to move pretty quickly to standard definition until you can afford the upgrade.
High Definition
In HD mode, the Canon HV10 records in 1080/60i, that's a resolution of 1920 x 1080 at 60 interlaced fields per second. At 3000 lux, the equivalent of a strong, indirect sunlight, the image had superior color balance. These are absolutely the type of colors you want to see in a consumer camcorder – perfectly balanced with just a hint of saturation. Consumers, that is to say non-professionals associate strong colors with a good picture, whether they are accurate or not. Manufacturers, in an effort to meet public demand, often oversaturate too much, like the JVC GZ-MG505 or the Sony DCR-DVD403. The Canon HV10 is just on the cusp, and in our opinion exactly where the color balance should be.
The Canon HV10's image is remarkably noise free, the other outstanding element of the picture. When an image is going to be projected on a larger screen, noise becomes more apparent. In this light, there was almost none to speak of. The apparent sharpness was good – what you'd expect from HD and far better than most standard def video – but there was a slightly soft look to the image overall. Of course, it could have strayed too far in the other direction, with a boosted contrast that created halos, but it didn't. On the whole, it's hard to complain about this image.
The main competitor to the HV10 is Sony's HDR-HC3, Sony's only HDV high def camcorder under $2000. We loved that performance, as well, and the differences between the two are slim. The HC3 also had an excellent color performance, though the HV10 had more even distribution of the spectrum. Holding them up side by side, the HDR-HC3 lacked a little in the reds. The blues are clearly more saturated in the HDR-HC3, but it works in the Sony picture overall.
The biggest distinction between the HDR-HC3 and Canon HV10's images is contrast; the Sony is definitely more contrasty. It made for sharper line edges, as opposed to the aforementioned "soft look" of the HV10. Boosted contrast helped add the appearance of higher resolution, even though the effective pixel count is lower than the Canon. However, we noted that the contrasty look of the HDR-HC3 also produced some halos along high-contrast lines. There is also a fair amount more noise in the HDR-HC3. It's not something that jumps out at you, but then again, when you hold them up side by side, the HV10's noise suppression is superior.
The conclusion on this showcase showdown? Damn, if they aren't close… very close, but the Canon HV10 wins with its superior color balance and right-on-the-mark contrast.
So what else can we compare this too? While the HD market is blowing up, the number of camcorders actually available to the public (and press) is limited. Last year's HDR-HC1 had less noise than its replacement, the HC3, and about equal levels of noise to the HV10. It also had less contrast than the HDR-HC3, but still more contrast than the HV10. The Canon is clearly more saturated in its color, but the color balance is better overall. The HC1 produced great greens, but the blues were under-represented.
Finally, we'll compare the HV10 to its big, big brother, the Canon XL H1. Is this a fair comparison? No, not really, but it gives you a good sense of consumer versus professional demands. The Canon XL H1 (review forthcoming) uses three CCDs rather than a single CMOS sensor. The color performance is actually very similar. The XL H1 managed a better color distinction between similar tones, but saturation levels were surprisingly close. Apparent resolution was about the same, which is not surprising. The XL H1's real strengths are in its versatility and manual controls, which are a world away from the tiny HV10.
Standard Definition
For a standard definition image, the Canon HV10 is outstanding. The color balance that we lauded had no trouble traversing the HD/SD divide. The only that you lose is resolution, which is far less than HD. Even so, compared to most SD camcorders, the HV10 had no trouble picking up fine detail. The noise levels were also minimal, just as in the HD image.
{column='Video Performance' models='Canon HV10,Sony HDR-HC3,Sony HDR-HC1'}
Video Resolution* (43.6)*
We tested the video of the Canon HV10 for its resolution by shooting a standard ISO 12233 resolution chart and running stills from that video through Imatest imaging software. First, we looked at the HDV footage. At best, the Canon HV10 produces 631.4 lines of horizontal resolution and 691.1 lines of vertical resolution, yielding an approximate resolution of 436360.54.
In standard definition, 16:9, the camcorder produced a more modest 546.1 lines of horizontal resolution and 368.8 lines of vertical resolution, yielding an approximate resolution of 201401.68.
These are really fantastic resolution scores, and far exceed that of the Sony HDR-HC3.
{column='Video Resolution' models='Canon HV10,Sony HDR-HC3,Sony HDR-HC1'}
**Low Light Performance ***(3.75)*
Ouch. We thought Canon fixed this problem - but the old beast that haunted Canon camcorder reviews on this site for years is back, with a vengeance, ready to mess with their new rockstar model. The large 1/2.7" CMOS sensor on the HV10 should provide a large surface area on which to capture light, and the surface area of the pixel-sized sensors on chip is really what low light performance is all about. Or so you'd think. In order to determine performance, we looked at the image in 60 lux and 15 lux light levels.
At 60 lux, the Canon HV10 failed to impress. Somehow, the sensor was not able parlay size into an effective defense again the dreaded forces of dim lighting. The image was very dark, and lost a good deal of color information. It was disappointing – some camcorders with equally large sensors don't look this dark until 15-20 lux. Noise also picked up a good deal, and it created a fuzzy wash over the whole image. Thankfully, the fact that it's got the resolution of high definition prevented the noise from obscuring most of the fine detail. The standard definition 6- lux did not fare as well. It had all the same problems, but lost a lot of detail.
The Sony HDR-HC3 was vastly superior in low light. At 60 lux, the HDR-HC3 looked a little nuclear, due to oversaturated colors. But the image was brighter overall, as well, retaining more information and staving off a lot of the noise. Sony is on their third generation of CMOS camcorders. Low light noise is always going to be the biggest hurdle for any CMOS camcorder (well and any camcorder period) in low light. Sony's first entries were somewhat weak, but they've tweaked and improved and now the HC3 does a decent job. However, you can tell that the Canon engineers have a bit less experience with CMOS for video.
The HDR-HC1 told the same story, though we had a harder time getting a proper white balance, which is always more tricky in low light. There was less noise in the HC1 than the HC3, and far less noise than the HV10. It's very clear that Sony spent more time in their development combating noise than did Canon, which is a true shame considering how great the HV10 looked in bright light.
The Canon XL H1, the powerhouse professional-grade HD camcorder, also produced a much better image at 60 lux than the HV10. MUCH, MUCH BETTER. Noise levels were far lower.
So what could be done by a potential HV10 user to make a better image? Thankfully, the HV10, like upper-tier Optura line of camcorders, comes with shutter and aperture priority modes. In shutter priority, dropping the speed down to 1/30th of a second made a huge impact, with less-than-ideal blurring of moving subjects, but something you might be able to accept. With the 1/30th image, the colors improved dramatically, and the noise was turned down a notch.
At 15 lux, the Canon HV10 went further downhill, but at less precipitous a pace than most camcorders experience between 60 lux and 15 lux. Perhaps because the image was so bad at 60 lux, it didn't have too far to fall. Color strength and definition decreased, especially in the reds. Noise increased at an even faster rate, and really took a dent out of overall image quality. This is not the sort of performance you should accept from a) a camcorder with an imager this large, and b) any camcorder that costs over $1000 of your hard-earned dollars. The standard definition image was the same, but with even less fine detail.
15 lux is a great leveler among performance of all camcorders, however. The HDR-HC3 stemmed a lot of the noise, but could not salvage color information any better than the HV10. The result was more fine detail in high contrast areas, but that was the only real advantage. The HDR-HC1 actually had worse color performance, with everything starting to flatten out towards a grey-brown. Noise was just as bad as the HV10.
Somehow, the Canon XL H1 produced an outstanding image at 15 lux. Maybe those large 3 CCDs had something to do with it. At any rate, this is an image you could be proud of, with brilliant colors and very low noise for the light level. Now you might say why are you crazy people putting the XL-H1 in this review. Well, first, it's again something good to benchmark against, but secondly, with the Canon XH A1 shipppng soon, you're going to be able to get that same performance for around $3,500 - still 3x the price of the HV10, but much more reasonable.
Because the light level is so low, we decided to consider both 1/30th and 1/15th of a second shutter speeds. With the latter, significant blurring would occur with any sort of motion – subject or camcorder – so a tripod or flat surface would be absolutely necessary. As you can see, the 1/30th image reduced the noise a great deal, but did not add much to color. The 1/15th setting did both, but the image would only be useful to shooting still images, snail races, and other sedate activities.
{column='Low Light Performance' models='Canon HV10,Sony HDR-HC3,Sony HDR-HC1'}
Wide Angle* (9.4)*
We measured the wide angle of the Canon HV10 in all the aspect ratios and shooting modes. In HDV, which is 16:9, the camcorder produced a wide angle of 47 degrees. This was repeated in the 16:9 standard definition. In 4:3 standard definition, the HV10 produced a wide angle 38 degrees.
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God's Word is settled in heaven; so, whether the fulfillment of it takes place for Blessings
Dallas (PRWEB) February 11, 2013
"This book is divinely inspired toward the need for all mankind to believe all the words of Jesus as they are written in a correctly translated Holy Bible," Brother Patrick says about God's Word reviewed in his book, "The Simplicity of the Gospel of Jesus Christ" (published by WestBow Press). "This book is about 'The First Principles of the Oracles of God,' so, if we want God to intervene in the affairs of life and world circumstances, we must believe 'all' that is Jesus Christ; as all He says applies to all of us."
Brother Patrick also says "The Simplicity of the Gospel of Jesus Christ" reviews the words of Jesus for readers to 'get understanding' of His most crucial spiritual principles and commands.
"It is my prayer that every reader will also get understanding of the need, and will develop a continuing desire to be a 'doer of The Word' as it is written in an authorized translation. And will maintain a continuous close relationship with Jesus Christ - 'daily', by the Holy Spirit, for victories in all life circumstances."
In his book the reader will review from the Holy Scriptures how every person on earth should be seeking the Creator for "His answers" on how to reverse rising turmoil that is plaguing communities, our cities and throughout nations; looking to themselves rather than blaming others and seeking governments for remedies.
An excerpt from "The Simplicity of the Gospel of Jesus Christ":
"God's Word is settled in heaven; so, whether the fulfillment of it takes place for Blessings, or in manifestation of curses - is determined by whether we do our part or not. When we turn our hearts to obey God our Creator, "The Helper", "The Holy Spirit", will guide us into knowing His Truth and experiencing His Blessings - no matter the circumstances. Then the Good News of The Gospel will be fulfilled in every Christian who is "walking in The Spirit" - daily. However, as the whole Counsel of God teaches, that can never be done by any natural means - no matter how sincere or popular the effort; just as it was not fulfilled in those ancient times under the Old Testament Covenant. This is as it is written in 2 Corinthians 3:14 and Hebrews 8:7–11."
About the Author
Brother Patrick was born in Texas in 1940. He and his wife, Judy, of 30 years have traveled the world and are now retired in north Texas, having had an exciting, though sometimes challenging, spiritual journey. They now enjoy the abundant life in Jesus Christ.
WestBow Press is a strategic self-publishing alliance of Thomas Nelson, Inc., the world's largest Christian publisher, and Author Solutions, Inc. (ASI) — the world leader in the popular self-publishing industry segment. Through this partnership, authors benefit from the rich publishing heritage of Thomas Nelson and the speed-to-market advantages of the ASI self-publishing model. Titles published through WestBow Press are evaluated for sales potential and considered for publication under the Thomas Nelson imprint. Thomas Nelson, Inc. continues to "inspire the world" with distribution of products in more than 100 countries worldwide. For more information, or to start publishing today, visit http://www.westbowpress.com or call (866)-928-1240. Follow us @westbowpress on Twitter for the latest news.


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Spring Wine Dinner – Thursday, April 20, 2017
Reserve your spot for our next Wine Dinner on March 16, 2017. $60 per person plus tax and gratuity.
Experience "Antichi Sapori" - the ancient flavors of Pompeian brick oven cooking & grilling savored in an elegant, romantic atmosphere.
Trattoria Rustica uses the freshest ingredients available. Whenever possible we serve hormone-free and antibiotic-free, humanely raised meats, poultry and fish.
The fine art of Italian dining, service, music and the enjoyment among family and friends.
Classic southern Italian dishes prepared in a warm, intimate setting


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Originally posted by LesMisanthrope
reply to post by soficrow
It is my hope that out of such mediocrity, quality will once again become realized as more important and valuable than quantity. I look to the Renaissance and the Enlightenment as examples of higher tastes in art, spirituality, knowledge etc. growing out of the stagnation of the ages that proceeded them.
Let's hope this is true.
I am tempted to agree - but more inclined to play Devil's Advocate, and draw your attention to the more simple, elegant solutions. Besides scientists aspiring to simple elegance, many artists and art forms do as well (like Hemingway, Haiku and the post-moderns). Where might such efforts fit in your hopes?
Originally posted by LesMisanthrope
reply to post by soficrow
Simplicity, when designed, is a sign of intelligence. Simplicity without design always seems arbitrary. In the hands of the masses, simplicity, like in the case of 90% of twitter posts, doesn't yield elegance, but merely a lack of substance. In the hands of an artist, simplicity is designed with elegance and substance in mind.
You must speak to each man and woman on their level, and at best all at once. That means layering your speech patterns towards the whole crowd. This is where the artists shine in the new medium's of information/idea exchange via social networks such as twitter, FB, and G+.
It's actually a ton of work to do it just right. You have to create impressions which integrate as you go. So what I'll say is there's a difference between genuinely "dumbing down", and reaching a wide audience. From actually being dumb, and playing dumb. The individual who can speak the truth while seeming like an idiot to the "educated" is actually brilliant, in my assessment. He knows his audience, and plays the role well.
So maybe you are playing your role, and it's up to others to "dumb it down"/spread it to a wider audience.
Maybe this is happening, and you're simply unaware of it.


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Register NowFather Robert Ruhnke who developed the marriage preparation program titled For Better and For Ever, has candidly offered, "When I began to experiment with "Sponsor Couples" in 1975, I did not understand the element of CONNECTION. All I knew was that Sponsor Couples and Engaged Couples were giving us more positive feedback than we got from our previous efforts."
However, he has now learned that no matter how much we know and no matter how passionate we are about helping engaged couples, we cannot begin by just introducing ourselves and then tell them what they need to know. We have to first get to know and love them as persons with the hope that they may ~ someday ~ also love us… and then they may be attracted to our life style… and begin to ask us questions… and then we can begin to dialogue with them as peers. We need to learn to reach out and care about an Engaged Couple enough to take the time to establish a CONNECTION with them.
Fr. Robert Runke will have a presentation at The Bishop Connare Center on November 15th. He will address how to help improve on the Sponsor Couple method of Marriage Preparation. We will learn about making the all important "Connection" by means of "listening" versus "teaching and preaching". We will learn about establishing a "peer-relationship" with the Engaged Couple as "co-learners" of marriage. We will also learn the importance of keeping in touch after the marriage ceremony.
Please make plans to attend Fr. Runke's presentation on
Sunday, November 15th, at The Bishop Connare Center, at 5:30pm. We will start with a buffet dinner in the main dining room and remain there for Fr. Ruhnke's presentation. The cost is $20 per couple. ($10 for DREs or Priests who wish to attend). Register now.
Call the Office of Faith Formation and Evangelization, 724-837-0901, if you have any questions.


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Top 5 Reasons You Should Meet Gary Vee
1. He is living proof that if you CARE enough, engage, and work your face off you can become mainstream
2. He is down to earth, completely honest & transparent
3. He is one of the most energetic hard working hustlers I know (besides myself)
4. He knows how to balance fun, work, and of course family life
5. I had the honor & privilege to meet Gary twice (Boston Gravity Summit and a Wine Meet-up in San Diego)
In summary- Gary Vee has been a great inspiration in my continued jounrey of internet entrepreneurship, social media consulting, and most of all following my passion. Feel free to leave a comment if Gary Vee has had an impact on your life- I would love to hear your story. Please leave a comment below. Cheers
Justin "Results" French
Tags: Entrepreneur, Gravity Summit, San Diego


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The last Friday of 2012 has arrived in the form of December 28th which host the feature user review for the HTC DROID DNA. In it's five weeks on the charts, the DROID DNA has found a comfortable position in the number five spot. It today's feature you will see why PhoneDog fan JEROMEONCHROME loves HTC's DROID DNA.
"Great phone" by JEROMEONCHROME on December 14, 2012
If you are a fan of htc you will love this phone. It has the most beautiful display of any phone. Its very fast and i love the beats audio technology. I love the htc sense and the customization. How could anyone want a i phone 5 when you have a beautiful phone like this. This phone is amazing, the battery life while not out of this world should get you thru the whole day. I love the htc droid dna if you with verizon run down to your local store and get this monster htc phone.
Display 5/5
Battery Life 4/5
Apps & Media Support 4/5
Reception & Call Quality 5/5
Design/Form Factor 5/5
Overall 4.6


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The blog is just about ready to publish amongst various web sites/social media. It is by no means finished, perhaps only half way through. I still have a lot of links, photos and mp3 to add, but at the moment I think it will be ok to publicize and get some other people involved with it. That is my intention for this blog. The material I have done so far is only my side of the story, the information is from what I have been involved with myself…my bands, but the blog is about all bands from Carlisle and even from Cumbria and Southern Scotland. But this is too much for me to research, and this is where other people can contribute by writing a paragraph or two and I can include it in a "page" for that band or group.
There were numerous bands around Carlisle during 1977 and 1989, and beyond that to the present day, but I have no knowledge of the details as I was either involved with my own band, not a great socializer to mix with these people or I was away abroad. So lets hope people will contribute.0


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In this tutorial we make an Arduino-compatible board that holds the microcontroller in a ZIF socket.
Updated 18/03/2013
Today we are going to make a different type of Arduino-compatible board, one that has a ZIF ("zero insertion force") socket. Our reason for making this is simple – now and again you may need to program more than one bootrom with a sketch, for example if you were planning to make your own electronics kits that were based on the Arduino system. Your alternative would be to use a chip puller and constantly insert and remove microcontrollers from your usual Arduino or compatible board – which is bad for the board, bad for the chips (the friction and pressure on the legs, as well as possible static build-up), and bad for your wrist.
So here is our problem – we need a board with a ZIF socket:
The Eleven board is great, but we just cannot squeeze in the socket. So instead, let's make our own. Like any project, the first thing to do is plan the circuit and make a schematic:
You have to hand it to the Arduino team, they have made things very easy for us. As we are not using this board for day to day use, all we need is enough circuitry to enable programming. In this case, the connection between the board and the PC will be made with an FTDI cable (these offer an interface between serial and the USB port):
Furthermore, we will use the 5 V power supply from the USB port via the FTDI cable as well. Easy! So now it is time to collect the required parts:
You will notice in the photo above there is a button, originally I was going to have a reset button, but after testing it proved unnecessary. Our required parts consist of:
- one 28-pin ZIF socket, 0.3″ width (don't fall into the trap of ordering the wide one)
- An Arduino bootrom for testing, etc
- one 16 MHz ceramic resonator (easier than using a crystal and two capacitors, timing is not critical as this is only a programming board)
- 6-pin header strip to connect the FTDI cable to the board
- an FTDI cable (the 5v one)
- two 0.1uF ceramic capacitors
- one 10k ohm resistor
- some rubber feet (to protect your desk when using the board
- some veroboard
- hookup wire, some solder, and the usual tools
Before soldering away, it pays to test the circuit on a breadboard. At this stage you can test the operation, program the microcontroller, and test that microcontroller in another board:
Again, you can ignore the button. For testing purposes, I uploaded the "blink" sketch to the microcontroller, then tested that unit in the Eleven. The LED blinked as expected, so all was good. I repeated the process a few times, but uploaded a different sketch every second time, and re-inserted the bootrom between every upload. After ten cycles of doing this, I was confident with the design, so transferred the lot to the permanent veroboard:
The black marks on the board are to help me navigate, for example the arrow means the 5 V rail, etc. Now for the rear end:
There are high-resolution photos in flickr if you want to follow this design exactly.
Before using the veroboard, experience has taught me that they are always dirty and solder doesn't take too well. If possible, try and clean your veroboard first with some cleaning spray, usually an aerosol package available from most electronics retailers. Or even just a damp cloth, then dry the board afterwards with a dry cloth. Moving on…
Before testing the completed board, please double check the routing and that you have cut the correct PCB tracks. If you are unsure about some solder joints, use the continuity function or resistance function of a multimeter to check for shorts between tracks.
After the board passed those tests, I stuck on the feet – and admired the finished product:
However, it was time to repeat the testing. If I may make a general observation, try and test things as you move along, step by step. For example, with this project, don't skip the breadboarding step. It is important to check the design works. Don't skip checking for solder bridges, or not double-check your routing. It is always much easier to fix a mistake when it has been made, then to have to troubleshoot a 'completed' project.
But at the end of the day, I now have something that is useful and will save me time during kit production (still in design stage people), making a few blinky offspring, and prevent damaging my regular boards. High resolution images are available from flickr.
In the meanwhile have fun and keep checking into tronixstuff.com. Why not follow things on twitter, Google+, subscribe for email updates or RSS using the links on the right-hand column? And join our friendly Google Group – dedicated to the projects and related items on this website. Sign up – it's free, helpful to each other – and we can all learn something.


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Sarah Hyland & Ariel Winter - Golden Globes 2012 Red Carpet
Modern Family stars Sarah Hyland and Ariel Winter glam up for the 2012 Golden Globe Awards held at The Beverly Hilton Hotel on Sunday (January 15) in Beverly Hills, Calif.
Ariel, 13, and Sarah, 21, both in Dolce&Gabbana, are nominated tonight with their Modern Family cast for Best TV Series – Comedy!
Sarah finished her look with Casadei shoes, a Swarovski bag, and Lorraine Schwartz jewelry.
"So excited, on my way to the Globes! (: excitedandnervous! :D " Ariel tweeted on her way to the big event.
The 2012 Golden Globes airs live TONIGHT at 8 pm ET/5 pm PT on NBC. Ricky Gervais hosts for the third time!
10+ pictures inside of Ariel Winter and Sarah Hyland at the 2012 Golden Globes…


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You can post a new question from the country page to which the question is relevant to, or at the bottom right hand of this page.
to post a new question or answer excisting ones
Please don't spam this forum with your new surf camp / charter / villa / surf school. Go to SurferDream.com and list your business there for free.
The GlobalSurfers forum has been the leading surf travel resource for over 18 years, so keep it friendly and relevant. Happy posting!
Surf Camps Portugal« on: May 13 2012 10:05:00 »
Hi! Is there anyone who really recomends a good surf camp in portugal? Im heading there after morocco and need to book some accommodation soon. Ive been staying at www.surfstarmorocco.com surfing in morocco and cant speak highly enuf about it! so want to stay in a great place in portugal so let me know!
RE: Surf Camps Portugal« Reply #1 on: May 13 2012 11:05:00 »
I went with them in Morocco and a staff member stole my ipod and phone
RE: Surf Camps Portugal« Reply #2 on: May 17 2012 08:05:00 »
Hi there, Last year i went to the North of Portugal. It is lovely there! I stayed at Surfivor Surf Camp and had the greatest time. It is very clean, people from all over the world, empty breaks and beaches, awesome team, magical atmosphere and i can go on and on...i´ll be there again this summer! maybe see you there?
RE: Surf Camps Portugal« Reply #3 on: May 21 2012 08:05:00 »
Hi, visit www.globalsurfschool.com. Its located on the west coast just 10 minutes from Peniche (the best surf spots in Portugal), its full of beautiful beaches, surf spots, good food, little crowd, where you can enjoy a great time your vacation!
RE: Surf Camps Portugal« Reply #4 on: May 29 2012 02:05:00 »
Peniche Surf Camp, just got back from there, probably bigest and most organized school in Peniche and Baleal area. Good vibes and great people - definitely worth checking out :)
RE: Surf Camps Portugal« Reply #5 on: May 30 2012 07:05:00 »
Hi!There's a place in Maceda - macedasurfcamp - north portugal (30kms. from Porto), there you can found a comfy surfhouse with lounge area,cool and experienced staff .The best surfspots south porto, uncrowded and sandy beaches.Check portosurf.com


text:
Search terms
Keep your phone secure
Universally sized to fit a variety of smaller mobile phones, our hip case features tri-layer construction for optimal device protection. The durable moulded design provides screen protection and the EVA foam absorbs shock if bumped or dropped. See all benefits
Unfortunately this product is no longer available
The sturdy belt clip secures your device to your belt, pocket or bag strap so it's always close at hand.
This case is designed to provide protection for your device - in style.
The convenient and stylish design fits anywhere and goes everywhere.
Three layers provide superior protection. The outer layer is made of a durable woven textile. The middle layer consists of pre-formed EVA foam with air cells to add cushioning. The inner layer of soft, lint-free microfibre protects and cleans the device's face.


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Featured Products
How to Contact Us
Physical Address: Harmon Museum & Old Orchard Beach Historical Society
4 Portland Avenue, Old Orchard Beach, Maine 04064
Mailing Address: Harmon Museum & Old Orchard Beach Historical Society
P.O. Box 464, Old Orchard Beach, Maine 04064
Telephone: (207) 934-9319
Email Addresses:
General Questions & Information [email protected]
Membership [email protected]
Museum Curator (Jeanne Guerin) [email protected]
Town Historian (Daniel Blaney) [email protected]
Webmaster (for comments about this site) [email protected]
We'd love to hear from you! Direct your communication to a specific department or person at one of the email addresses above, or simply fill out the form below and we'll get back to you shortly.
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Stages of embryonic development include implantation, differentiation and gastrulation. The process of embryonic development is medically referred to as embryogenesis, according to Study.com. This stage lasts until the 10th week of pregnancy.Continue Reading
Implantation happens when the blastocyst is implanted completely into the uterine tissue, which also marks the end of the germinal period. A blastocyst is what forms when the zygote, the single cell formed from an egg and sperm, begins to implant itself into the uterus, explains Study.com. After full implantation, the blastocyst divides rapidly. This is when the process of differentiation begins.
During differentiation, cells assume different functions. The first part of this process is a cell division that creates the placenta and the cells that comprise the baby, says Study.com. After differentiation, the gastrulation process begins. This is the process that forms the three layers of the embryo. The outer layer is referred to as the ectoderm, the middle layer is the mesoderm and the innermost layer is dubbed the endoderm.
Each layer of the embryo creates different bodily structures. The ectoderm is responsible for forming the skin, hair and nervous system. The mesoderm is where the lungs, bones and muscles form, and the endoderm forms internal organs such as the bladder and digestive tract, states Study.com. Once the essential body parts are formed, the embryonic period ends and the fetal stage begins.Learn more about Parenting


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Medical Cannabis and Marijuana Drugs
Drugs are a major debate it the world we live in today. Drugs are gaining more and more attention. More and more people are using drugs then ever before and there is no decrease in the amount of drug users. One of the most commonly used drugs is marijuana. In today's
world marijuana is growing and is
looking to be legalized in California for medical uses only but that will lead to many other problems in the near future.
Marijuana is the most used drug in the U.S. besides tobacco. Marijuana gives people the feeling they like and want but when it is used to much they have to use more of it to get the high in which they desire. It effects your brain by making the THC disrupt the nerve cells in the part of the brain where memories are formed. This makes it harder for the user to recall events and makes it harder to learn. Marijuana is addictive to some people. About 100,000 people seek treatment for marijuana use each year. Marijuana is usually smoked as a cigarette (called a joint or a nail) or in a pipe or a bong. Recently, it has appeared in cigars called blunts which are larger and, therefore, more dangerous. Marijuana is a green, brown, or a gray mixture of dried, shredded flowers and leaves of the hemp plant (Cannabis sativa). There are many slang names for marijuana such as pot, weed, boom, gangster, and Mary Jane. This drug causes Timing, coordination, alertness, and performance to be affected in a negative way. Marijuana has THC in it which is absorbed by fatty tissues in various organs. THC can be detected using urine tests and it will stay in your system for seven to a couple of weeks.
Teens are the reason that drugs are a problem in the U.S.. About one in six 10th graders report that they are current marijuana users. Fewer then one in five high school seniors are current users. Some people who use this drug feel nothing but some feel relaxed and high. After smoking it users may get a sudden quenching for a drink and get very...
Please join StudyMode to read the full document


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June 10 (Reuters) - Raymond James raised its price target on Atlantic Tele-Network Inc (ATNI.O) by $13 to $47 and maintained its "strong buy" rating, after the company said it would buy certain wireless assets of Verizon Wireless.
Shares of the telecommunications services provider surged as much as 48 percent to a lifetime high.
The brokerage said ATN's deal with Verizon, which is expected to add over 800,000 new subscribers, would make the company one of the larger wireless carriers in the United States.
ATN would have more subscribers than NTELOS Holdings Corp NTLS.O, iPCS Inc IPCS.O and Shenandoah Telecommunications Co (SHEN.O), Raymond James said.
"While there are risks to this acquisition given ATN's inexperience with retail operations in the U.S., the bargain price ATN is paying for these assets makes this an opportunity far outweighing the risks," analyst Ric Prentiss wrote in a note to clients.
On Tuesday, ATN agreed to buy certain assets of Verizon Wireless, a venture of Verizon Communications (VZ.N) and Vodafone Group Plc (VOD.L), for $200 million in cash. [ID:nWNAB7964]
ATN also said it expects to have more than 1 million retail wireless subscribers, including international operations, after the close of the deal.
Last month, AT&T Inc (T.N) said it would buy the bulk of Alltel Wireless assets being divested by Verizon for $2.35 billion. [ID:nN08498235]
ATN shares touched a high of $39.36 but pared some gains to trade up $10.55 at $37.20 Wednesday morning, making them the second biggest percentage gainer on Nasdaq. (Reporting by Deepti Govind in Bangalore; Editing by Deepak Kannan)


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Cubs beat Giants 5-1 to win 3rd straight
CHICAGO — Kris Bryant, Jason Heyward and Ben Zobrist hit solo homers, spot starter Eddie Butler pitched five effective innings and the Chicago Cubs beat the San Francisco Giants 5-1 on Thursday for their third straight win.
Mike Montgomery followed with four scoreless innings and allowed one hit in his first save.
Heyward went deep for the second time in three games and Zobrist added two singles as the Cubs took three of four games in a set with the Giants and finished a homestand at 7-2.


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JW's Financial Coaching Podcast
Book review: Quitter by Jon Acuff
On today's show I review the New York Times Best Seller book Quitter by Jon Acuff. Quitter is about working your day job while developing your passion and finding your dream job. What does this have to do with personal finance you might ask? In my experience working a job or creating a business that you have a genuine passion for will create more income over the long run then working at J-O-B that you absolutely despise.
Working with clients I have run into many cases where people are working jobs they hate just so they can pay their monthly bills. Essentially they are slaves to money. But once we get their finances straightened out they are free to pursue work that they love and are excited for. It is our human nature to say "I will do work that I love when . . ." but the problem is we never actually do it later! What Quitter does a great job of doing is sharing how you can pursue your dream job while continuing to work your day job and make the transition over time.
Also, if you are in the Central Ohio area, please remember to plan on attending the Cash, Credit, College, and Career course part of the Great Recovery on I-70 series starting on September 13th. I am looking forward to meeting everyone there.If you have any comments, questions, or ideas for future shows you can send them to me and I will integrate them into a future show. Please Email me them at email@example.com -You may subscribe to the Podcast either through Feedburner or iTunes. You can find prior editions of the podcast at the podcast archive page or by visiting our Facebook Fanpage.
Create your
podcast in
It is Free


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On Oct. 19, 1781, British troops under Cornwallis were defeated at Yorktown, Va., as the Revolutionary War ended.
In 1812, Napoleon Bonaparte`s French troops began their retreat from Moscow.
In 1889, industrialist John Crerar died, leaving the City of Chicago $2.5 million to build the library that now bears his name. The library of science, technology and medicine is at 35 W. 33d St.


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WellPoint Inc.'s first-quarter net income fell nearly 8 percent as enrollment slipped and expenses rose, but results beat analyst earnings expectations and the health insurer raised its forecast for 2012.
The Indianapolis company said Wednesday that it expects its capital management to improve after earning $169 million in investment income in the first quarter. Company leaders also said they anticipate improvements in their main businesses and more growth from a Medicare Advantage segment that hurt WellPoint last year.
Medicare Advantage plans are privately run, government-subsidized versions of the government's Medicare program for the elderly. WellPoint took a $150-million hit last year when a Medicare Advantage plan it has since discontinued attracted more customers with a higher risk profile than the insurer expected. Those customers generated more in claims than they provided in premiums.
In this year's first quarter, WellPoint gained 165,000 Medicare Advantage members as it integrated CareMore Health Group, a plan provider acquired last year.
WellPoint now expects 2012 adjusted earnings of at least $7.65 per share, up from a previous forecast for at least $7.60 per share. But that is still below analysts' estimates for earnings of $7.72 per share.
For the first quarter, WellPoint reported net income of $856.5 million, or $2.53 per share, down from $926.6 million, or $2.44 per share, a year earlier.
Excluding investment gains, WellPoint earned $2.34 per share in this year's first quarter.
Operating revenue climbed 3.4 percent to $15.15 billion.
Analysts surveyed by FactSet expected, on average, earnings of $2.27 per share on $15.41 billion in revenue.
WellPoint is the second-largest health insurer after UnitedHealth Group Inc. It runs Blue Cross Blue Shield plans in 14 states, including California, New York and Ohio.
Total medical membership fell nearly 2 percent to 33.7 million people compared to the end of last year, as WellPoint lost enrollment in plans that provide health insurance to employees of small businesses and large, national accounts.
WellPoint's largest expense, the amount it pays in medical claims, rose 4.8 percent to $11.77 billion in the quarter. WellPoint and competitor UnitedHealth Group Inc., which reported earnings last week, both say rising prices for care were the biggest factor driving up their expenses, but they also say health care use is starting to pick up again as they expected.
Insurers have been helped the past several quarters by health care use that grew at lower-than-expected rates, a trend many attribute to a lingering pullback on consumer spending from the recession. WellPoint said Wednesday that while use is picking up, it still remains below pre-recession levels.
"People get more comfortable with their financial position, and they'll begin to use care again," Chief Financial Officer Wayne DeVeydt said, adding that an aging population and an extra day due to leap year also helped increase medical claims in the first three months of 2012. An unusually warm winter in many parts of the country also contributed because bad weather tends to keep people home and out of the doctor's office.
WellPoint's stock sank in January after it reported the Medicare Advantage hit and a fourth-quarter performance that missed analyst expectations.
The insurer did not beat first-quarter expectations or raise its earnings forecast by huge margins, Citi analyst Carl McDonald said in a research note. But he added that his "sense heading into the quarter was that WellPoint just needed to not miss" expectations again in order to get a positive stock reaction.
WellPoint shares fell 36 cents to close at $70.40 Wednesday, while the Standard & Poor's 500 index advanced over 1 percent.


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Each horse that has started in a SA Metropolitan Saturday meeting will go into the draw to win a share in $27,000.
The year will be broken down into six two month periods. With one horse drawn out from each period. The owner/s of each horse drawn out will take home $4,500*.
Owners receive one automatic "entry" in the draw for every start at a SA Metropolitan Saturday meeting.
The six draws will be held throughout the year after each corresponding two month period.
The 6 x 2 month periods are August-September, October-November, December-January, February-March, April-May and June-July
In each two-month periods there are usually 8 or 9 weekends of racing and there will be one starter from each Saturday in that period.
Each horse drawn will receive a runner in a nominated race the weekend following the end of the period. The corresponding horse that is first past the post, will win their owners $4.5k.
*Should there be more than one owner of a winning horse each owner will receive the % of the $4,500 that corresponds to their % ownership of the horse.


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The coolest holiday party venue in Dallas!
Twinkling lights, seasonal music and colorfully wrapped presents add to the joy of the holidays, but for most people in Dallas, it's the chance to celebrate with friends, co-workers and family that makes the season so special. If you're looking for a holiday party restaurant in Dallas that will delight your guests with great food, exceptional service and a warm and welcoming ambience, you've come to the right place! Whether you need a private dining room in Dallas for an intimate family gathering, or a grand space that can host up to 300 guests, the Y.O. Ranch Steakhouse in downtown Dallas is the ideal venue for your holiday party.
Your Christmas Holiday Party Destination
Situated in a 100-year-old brick building in the historic West End district, the Y.O. Ranch Steakhouse is more than just a conveniently located downtown Dallas holiday party venue. It's a unique destination where each event becomes a fun-filled experience you'll long remember. The restaurant's décor is an artful mix of rustic charm and understated elegance, with warm colors, wood furnishings and candlelit tables, creating an atmosphere that invites your guests to relax and enjoy the party.
The Right Private Event Venue in Dallas for Your Holiday Party
At the Y.O. Ranch Steakhouse, you'll find the perfect Christmas party venue for holiday parties, large and small. Decorated with artifacts and historic black-and-white photos from the Y.O. Ranch, our Windmill Room is designed for intimate gatherings, seating up to 20 guests for dinner or more for cocktails. With its full-service bar and three plasma televisions, the Longhorn Lounge is a great venue for larger celebrations, seating up to 60 guests for a holiday dinner. Housed in a re-created barn from the Y.O. Ranch, the Hill Country Lodge is a festive venue for sit-down dinners for up to 170 guests or for up to 300 for a cocktail party.
Menus That Make Your Holiday Party an Event to Remember
Rated as "one of the nation's finest steakhouses" by Jim O'Connor of the Food Network, the Y.O. Ranch Steakhouse offers you and your party a culinary experience unlike any other restaurant in downtown Dallas. With the best steaks and the most extensive wild game selection in Dallas, as well as a tantalizing array of fowl, fresh seafood, mouthwatering sides and amazing desserts, the world-class cuisine at the Y.O. Ranch Steakhouse is sure to be a big hit with your guests.
Our private dining menus feature multiple appetizers, entrées and desserts to ensure that everyone in your party enjoys a delicious meal prepared to perfection. For your holiday libations, you can enjoy beverages from a private bar or pre-select wine from our list of fine wines.
It's not too early to book your holiday party!
Contact us or give Nicole Hester a jingle at 214-744-3287
to reserve your party date at the Y.O. Ranch Steakhouse
the perfect holiday party venue in Dallas
Dallas Private Dining | Party Menus | For the Bride | Dallas Meeting Facilities | Party Rooms in Dallas


text: 2015 Person of the Year: Sebastian James Sebastian James has driven his business to a market-leading position amid a climate of vast and radical change. It is all the more impressive when you consider that he has been integrating two of Europe's most powerful retail forces at the same time. James has not only overseen the merger of the Dixons Retail and Carphone Warehouse businesses but has also successfully positioned the new entity as the retail hub for the connected customer. Rising to the challenge of leading such a large organisation, James has not been shy with taking big strategic decisions and securing major partnerships. James was at the helm as the retailer signed multi-year deals with EE, O2 and Vodafone. The Phone House business units in Germany and the Netherlands have now been sold off, and long-term service contracts secured with the buyers for the brand's Connected World Services divisions. James has continued to innovate throughout the year, demonstrating bravery and commitment to using the retailer's portfolio to develop new product categories. Read his full story here Full story


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The share of
mortgages refinanced by Freddie Mac and Fannie Mae through the Home Affordable
Refinancing Program (HARP) dropped to 18.5 percent in October from 21 percent
in September. Out of a total loan volume
of 441,017 transactions completed by the two government sponsored enterprises
(GSEs) during the month, 81,613 were HARP loans. This was a 9000+ decrease in
HARP refinancing despite the fact that all overall refinancing, bolstered by
new record low mortgage interest rates, increased by about 10,000 loans month-over-month.
HARP was specifically
designed to assist underwater homeowners to refinance. They must have a loan-to-value ratio (LTV) of
at least 80 percent to qualify for the program and there is no upper LTV limit.
Through October, 790,619 refinances have
been completed through HARP
in 2012, bringing
the total refinances through HARP from the inception of the program
to 1,812,470. The beginning of this year marked the
practical beginning of enhancements to HARP program which removed the previous
125 percent LTV cap and lowered the cost of refinancing to borrowers. Other changes were made to the program to
make it more attractive to lenders.
Freddie Mac completed 34,426 HARP
refinances out of a total volume of 170,729 while 47,187 of Fannie Mae's
270,288 loans were done through the program.
Over half of the HARP loans in
October had an LTV between 80 and 105 percent.
The remainder of were fairly evenly divided between the two higher
categories of LTV, 105 to 125 percent and loans over 125 percent.
One of the enhancements made to
HARP loans this year was an incentive for borrowers to choose a shorter loan
term when refinancing. In October, 19 percent of HARP refinances for underwater borrowers were for shorter-term 15- and 20-year mortgages, which build equity faster than traditional 30-year mortgages.
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