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Property Investing
Use these four tips to make property investing a success
Property can be a great long-term investment. The benefits are two-fold… Firstly, over the years, you'll benefit as the price of the property increases in value. Secondly, you'll benefit from the regular income from your tenants. There are a few things you should bear in mind to make your property investments worthwhile. Read on to find out what these property investment tips are…...
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[13 April 2015]
The pros and cons of investing in property that's in need of some TLC
If you're looking for an undervalued property, older rundown properties can present you with some great opportunities. But investing in older property in need of some work isn't for everyone. You need to consider the pros and cons before making a decision. So what are the advantages and disadvantages of investing in older rundown property? Read on to find out… Four plus points of ...
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[10 April 2015]
Have you got time on your hands and are a dab hand at DIY? Here's the perfect property investment for you…
When it comes to uncovering property bargains, if you're prepared to do a bit of work and spend a bit of cash, a house in need of some TLC is well worth considering. You'll need to have the time to devote to it and it will take time to complete the renovations, but the rewards could be well worth it. Read on to find out more… Buying a rundown property If you want to get a lot of p...
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[09 April 2015]
Preparing to bid for the first time at a property auction? Here's what you need to do…
Buying property at an auction gives you the chance to buy a property at a discount. But before thinking about bidding on a property, you need to prepare. So what do you need to do? Read on to find out… You need to do your homework BEFORE attending a property auction Buying property at auction can mean saving yourself a lot of money in comparison to buying a similar property on ...
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[08 April 2015]
Five reasons why you'll benefit financially from investing in property
If you're looking for a long-term investment, property is definitely worth considering. Investing in property actually generates a return in five ways. Read on to find out more… #1: Rising property values Over the long-term, thanks to inflation and the rising costs of building property, you'll see the value of your property rise in value. Buying a property in a great location...
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[31 March 2015]
The five vital aspects of an Offer to Purchase
Once you find the home of your dreams, the next stage is submitting an Offer to Purchase to the seller. The offer to purchase contains all the terms and conditions of the sale. There are some vital aspects that you need to include. Read on to find out what these are… When are you getting the keys to the property? Your Offer to Purchase (OTP) needs to include a date of occupation. ...
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[27 March 2015]
Buying a property? Here's why you should pay for a home inspection
Buying a property is one of the most expensive purchases you'll likely make. Once you find one that ticks all the right boxes for you, it's vital you make sure that what you see is what you're getting. So what's the best way to check the property? Read on to find out… Why the need for a home inspection? Whatever the property is you're buying, an apartment, townhouse or house...
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[25 March 2015]
The pros and cons of buying property in a new development
If you're looking to buy a property, your search might take you to new developments. Buying a property in a new development can have a number of advantages, but there are things you need to watch out for too. Read on to find out more… Three advantages of buying in a new development Advantage #1: The deposit to secure a property in a new development is usually small. You're look...
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[24 March 2015]
Three lines of fine print that could cost you over R100,000 in your next property deal
I'm often amazed by the raw deals offer to purchase contracts hold for buyers of property. I recently did a deal on a property without an estate agent as the middleman and boy was I in for a surprise when I saw the supposedly "standard" contract. My eyes instantly fixated on the following clause: "In the event of the Purchaser failing to secure loan finance required within 31 (thirty...
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[19 March 2015]
Why you can't ignore this key factor when you invest in property
Once you decide to invest in property, there are generally two goals. Firstly, you want to see the value of the property you buy growing over the years. And secondly, you want to secure an income stream from paying tenants. There is one key factor that can help you achieve both of these goals. And this is a property's location. Read on to find out why location is such a crucial factor whe...
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[18 March 2015]
Whittle down your search for a property with the help of the World Wide Web…
Looking for a property can take up a lot of time. And if you have certain criteria you're looking for, finding one that ticks all your boxes can be tough going. So to make your search for a property easier, you should use the different property websites on offer. Let's take a closer look at how best to look for a property… Save yourself time and look at properties online Whether y...
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[17 March 2015]
Why investing in property makes perfect sense
When you contemplate your financial future, it can be a bit overwhelming. How are you going to afford to support yourself in your later years? And what investment decisions should you make now that will stand you in good stead for the rest of your life? One of the best decisions you can make is to invest in property. Read on to find out why it's something you should do… The advan...
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[13 March 2015]
Buying a property in a complex to rent out? Check out these factors first…
Living in a complex continues to grow in popularity. It has a number of advantages, such as on-site facilities and security. So if you're considering investing in a property in a complex to rent out, what should you pay attention to? Let's take a closer look… What to do if you want to buy a property in a complex In many cases, when you buy property in a complex, you're buying a...
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[11 March 2015]
What to spend money on to improve the rental appeal of your property
If you're looking to invest in a property to rent out, it's vital it appeals to as many tenants as possible. Depending on the condition of the property you purchase, it may be worthwhile making some changes. It could boost your rental income and attract more prospective tenants. So where should you make improvements? Read on to find out… Give your property a lick of paint Chanc...
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[09 March 2015]
Check these three factors before applying for a bond to buy a property
Perhaps even before you start looking to buy a property, you should consider the financial side. When you apply for a bond, the bank will take three things into consideration. So what are these factors? Let's take a closer look… Getting a bond to buy your property Banks look at three main aspects when assessing an applicant for a bond to buy a property. It's worthwhile you'...
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[06 March 2015]
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- Living
- Dining
- Bedroom
- Outdoor
- Office
- Storage
- Lighting
Armchair composed of three distinct elements: curved wood frame, supporting panel and cushions. The wooden frame is made of curved plywood with black stained ashwood or walnut stained walnut finishes. The supporting panel is composed of an internal steel panel upholstered in non-removable stiff leather available in a wide range of colours. Non-removable cushion covers in fabric or leather. The armchair is also available in an iconic edition featuring a walnut stained walnut wooden frame, supporting panel in beige-coloured stiff leather and cushions covered in natural leather ZZ (pelle naturale ZZ) 13Z361 tobacco.
In 1964, in a more technologically advanced context, with Woodline, Zanuso developed the supporting frame, which in this version is in wood (there is also a metal-framed similar version).
It is designed from a matrix based on the geometry of the circle, which gives the entire structure a classic formal precision.
|Product Type
|Marco Zanuso
|Year of Design
|Country of Origin
You can send us a message to request more information about this product. Just fill in the form below.

subset: commoncrawl


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Whiskey is a complete world, making entry to which is a bit daunting. One should keep in mind that beginning with whiskey is just like adopting another lifestyle. So, those who are new may need to do a little more effort for becoming acquainted with it.
Once, a person starts drinking whiskey he simply adopts a new classic world. Whiskey is already said to be something that belongs to real man. So, being a real man definitely requires certain tricks.
There exist so many brands and varieties of whiskey. A beginner may not know what kind to choose as a beginner's drink. An initiator also needs to be well versed in the method of drinking.
If you are new to the world of whiskey, then here is a guide for you.
Subtypes of the Whiskey


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Sea Salt and Caramel Mini Golden Pod
Shaped like a cacao pod, this golden tin contains luxurious pearls of dark chocolate and molten caramel delicately flavoured with flakes of sea salt.
With just one taste, you'll be taken on a delicious voyage from the cloud forests of Venezuala to the salty shores of Devon.
56% off! WAS £9, NOW £4
More details
|8 x 12.3 x 8.2cm
|Fabric & material
Delivery & returns information
UK delivery within 3 to 5 working days*
Free UK delivery on orders £50 and over
* For made to order Epic Posters by Surface View please allow up to 14 working days for the order to be processed, printed and delivered within the UK
Product story
The sea salt and caramel mini golden pod is from Willie's Cacao, founded when Willie Harcourt-Cooze followed his love of adventure to the cloud forests of Venezuala, discovering the farm Hacienda el Tesoro and the finest cacao beans in the world.
Willie's Cacao creates artisan single estate cacaos using premium Criollo, Trinitario and Porcelana beans sourced directly from the farmers, roasting them with antique machines in his Devon factory to make every chocolate lovers' dream come to life.
Raw Cane Sugar, Double Cream, Cocoa Cass, Glucose (Wheat), Butter (Milk), Cocoa Butter, Sea Salt 0.9% - 75g
Dark chocolate contains 71% min cocoa solids. Contains milk.


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Nam Ji Hyun's Profile
남지현 / Nam Ji Hyun (Nam Ji Hyeon)
남지현 / Nam Ji Hyun (Nam Ji Hyeon)
Birth Place: South Korea
Birth Date: 1995-09-17
Height: 160cms
Popularity: (43 fans) Become a fan!
Nam Ji Hyun's Dramas & Movies:
Maiden Detective Park HaesolKorean DramaNam Ji-hyun (Giant, Queen Seon-deok, and Will It Snow For Christmas) stars as the lead in the latest release in KBS's Drama Special Series 'Little Girl Detective' (Girl Detective Park… [More]Status: Completed Released: 2012 Rating: 9.33/10 (3 Votes)
Shopping King LouieKorean DramaA romantic comedy about Louie, a rich heir who, due to his frustration of not being able to remember his past, always spends money to buy anything indifferently. One day… [More]Status: Completed Released: 2016 Rating: 9.86/10 (104 Votes)
The Tunnel (Movie)Korean MovieLee Jung-Soo drives home for his daughter's birthday. While driving through a tunnel that crosses through a mountain, the unthinkable happens. The tunnel collapses. When Lee Jung-Soo regains consciousness, he… [More]Status: Completed Released: 2016 Rating: 9.4/10 (10 Votes)
Suspicious PartnerKorean DramaWill danger really bring this pair closer together? Talented prosecutor Noh Ji Wook is good at everything he does, including his profession as prosecutor which he has chosen to fulfil… [More]Status: Completed Released: 2017 Rating: 9.86/10 (117 Votes)
100 Days My PrinceKorean DramaLee Yool falls off a cliff and nearly dies in an attempted assassination. He loses his memory, and wanders for 100 days under a new name and personality. During this… [More]Status: Completed Released: 2018 Rating: 9.77/10 (62 Votes)
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England cricketer David Willey, who plays for Yorkshire County Cricket Club, decides to pursue a career as a limited-overs specialist instead of dreaming to play Test cricket for England.
At the moment, Willey, who played 31 ODIs and 16 T20Is for England, is in Perth for his third season in the Big Bash League with Perth Scorchers.
According to a report in ESPN Cricinfo, David Willey said, "I think over the past couple of years, the way the scheduling is now it's difficult to play enough four-day cricket to put your name in the frame for Test cricket. So, I'm at a real crossroads at the minute actually of whether I decide to pursue a career in Twenty20 cricket and one-day cricket and leave my dreams of Test cricket behind."
Willey concluded by saying, "Certainly, two years ago I still had ambitions to play Test cricket. But right now, I'm at a real crossroads and I'll have some sleepless nights thinking about that. For me now it's thinking about my body, my family, how long I want to be away from home and not only that but what sort of a condition I want to leave myself in come the end of my career and how long I can play for."


text: Abigail Mac is on SPIZOO!!!!! This week has been a crazy adventure. She's horny and ready to show her phat ass all over our cameras. This little nerdy white girl has everything we love here at SPIZOO, She's got a banging ass and thick delicious thighs. a cute smile and a bubbly personality can't forget those perky big tities! It was amazing watching her get laid down by a proper dicken! This is a must watch update! Join Today!!!!!!


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Check out the most frequently asked questions below — and if you still have questions after that, be sure to contact us any time by clicking here or emailing us. You can also chat/message us via Skype. Our ID is: SopranoTipsHQ.
Q: How many tips do you send out each day?
A: We send out 1-2 tips each day, together with our strategic recommendation on the exact wager to place. You'll typically receive 2 tips to place in a Double (Parlay) bet, or 1 tip to place as a standard single bet.
Q: What time do you send your tips out?
A: We typically send out our tips, via email, between 10.30am & 11.30am UK time (GMT) each day.
Q: Can I still place wagers on your tips if I'm in the US, Canada or Australia?
A: Sure you can. Don't let your geographical location hold you back. Due to the various rules & regulations in the different parts of the world, your best option would be to open accounts at one of the bookmakers we recommend. This will enable you to place wagers on most of our tips. Just be sure to check the coverage with your bookmaker prior to opening an account. If you're based in Europe, you will have no problem at all placing wagers on all of our tips.
Q: How do your subscription prices compare to other similar services?
A: If you've looked around, then you've probably already seen some services for $27 a month… while other services charge $2,000 per tip, right up to $12,000 a tip for "fixed matches" or "correct score" tips. Based on that, we'd say our subscription rates are affordable… and our success rates (and profits) are considerably higher than most.
Q: Are your stated results genuine?
A: Yes they are. When we have losses, we always include them in the website. We never swap them out for fake "winning tips" like a lot of other websites do. However, if you do not trust us, or you do not think our results are genuine (for any reason), then please look for an alternate service. There are plenty available out there. It's your money and your call. No hard feelings.
Q: Do you have results available in your website for previous months' tips?
A: No. The only results we currently show are on our homepage. That should be sufficient enough for you to see the accuracy & profitability of our tips and our service.
Q: How do you generate your tips? What methods do you use?
A: We base our tips based on acquired intel from our hand-picked experts, strategically located around the world. We get to know all the insider info… what's going down… and (more importantly) where the big money is going.
That's the standard procedure we follow religiously prior to sending out any of our tips. It's also why we achieve and retain such a high strike rate, and why you'll be generating a good profit every month once you partner up with us. Our overall record – albeit a little shorter than most – speaks for itself.
Q: Do I need to have previous betting experience?
A: No you don't. With the way we've organized our deal, it doesn't matter at all if you're a complete novice that's never even placed a bet before in your life… or if you're an experienced seasoned punter who's tried every other service or "system" imaginable. You don't have to be a betting wizard, a "human computer" or even a mathematical genius either. Nor do you need to spend months or years on end "learning the ropes"… studying… then trying to laboriously grind your way to the top. Forget all that.
Our trusted & hand-picked experts have already done all the "hard work" for you. All you need do is open the email we send you… place your bet/s… then relax & collect your winnings.
Q: Do your tips win all the time?
A: No they don't. Any service claiming 100% wins (or even 90%+ wins) should be avoided like an angry husband with a shotgun. It's just not possible in the real world. Our overall objective is to insure you generate a decent profit every month.
Q: Am I required to pay taxes on my winnings?
A: Good question. I just had a quiet word with our resident bean counter, and it's like this: If you're in the UK/Eire, Europe, Canada, Australia or the Far East then your winnings are 100% tax free. If you're in the US or South Africa, your winnings are taxable to a degree. The latter applies to a handful of European countries too – so check first if you're in doubt, ok?
Q: What kind of staking plan or system do you recommend?
A: While we leave staking levels up to each individual investor, we'd always recommend you never stake more than 5%-10% of your bank on any one wager. We'll be happy to advise you further on request. We also cover this subject in greater detail in your VIP Member Zone.
A quick word of advice though: You should never bet on our tips with money you cannot afford to lose. That's just plain stupid. It makes you a mug punter and turns you into your bookie's bitch – and that ain't a place you ever wanna get to. Period. So if you ever find yourself in that situation, or close to it, you should stop — chill out, take a break — and come back again when your situation changes.
Q: Why types of tips do you send out?
A: We typically send out Under/Over Goals (U/O), Asian Handicap (AH) and home/away/draw (1-X-2) tips. Because of that, all our tips are very easy to place. In fact you can place your wagers at virtually any & all online bookmakers, wherever you are in the world.
Ready to get started? Click the pic below…
Q: Which sports does your service cover?
A: With our VIP Service, we currently send out football/soccer tips only — from all the major European leagues & competitions.
Q: Am I tied to using any particular bookmaker with your service?
A: No you're not. We recommend different bookies based on their currently available offers & respective bonuses… but you are free to use any bookmaker you like, online or land-based. We'll advise you more in your VIP Member Zone Area.
Q: What subscription payment methods do you accept?
A: We currently accept payment online via PayPal (all major credit cards accepted.) Be sure to contact us if you need any assistance with making your subscription payment via your preferred method.
Q: I still have questions. How can I contact you?
A: If you have any questions regarding our service, feel free to contact us anytime via email or Skype.
Q: Do you offer any help, support or advice after I've subscribed?
A: Sure we do! As a valued subscriber to our exclusive Sports Betting Service, you can contact us anytime via email or Skype. You'll also have access to your VIP Member Zone Area covering all the additional information & guidance you'll need for an immediate & profitable start.
Q: What can you tell me to convince me to subscribe to your service?
A: Not much really. It's your call. What you see is what you get. You either choose to subscribe and start generating yourself regular tax free profits – or you ultimately choose not to subscribe. The choice is yours. We're happy either way.
That being said, if you're still undecided or "on the fence", then with all due respect, we'd rather you step aside and let a serious sports investor take your place instead. We've never had the need to try and coax, coerce, cajole or convince anyone that they might "need" our services. Nor do we intend to start now. We are the real deal.
Q: Ok… I'm ready to get started! What do I do next?
A: Simple. Just click the pic below…
Need any further info? Still got questions? No probs. Contact us any time by clicking here or emailing us.
You can also chat/message us via Skype. Our ID is: SopranoTipsHQ.
It'd be great to hear from you.
We look forward to welcoming you into The Family, and helping you generate some serious cash over the coming months with our exclusive sports investment service.
Your Profit Partners,
@ Soprano Tips HQ
"Sports Betting Without The BS"


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When people work with David Johnson Cane Bay, they are immediately drawn to his personality because he is excited about the work he does. Throughout his career, he has had the privilege of working with many companies in the financial services industry. David brings many skills to the table and his work continues to help companies flourish in their operations. Learning about David and his work at Cane Bay Partners will help companies to be able to pursue the services they need.
David Johnson's Education Started It All
Getting started on his education is what helped propel him towards greatness in the financial services industry. David earned his BBA in Management and MIS from the University of West Georgia, but he was not content to stop there. He went on to earn his MBA in Computer Information Systems from Georgia State University. Once he graduated, it was his goal to find a promising career working with a variety of clients and that is what he did.
Education is the backbone of any successful person. Without his education, he could not have risen in ranks in the financial services industries and eventually become a partner at Cane Bay Partners.
Learn About His Career
David Johnson has held many positions in the business world and started out as the Regional Project Manager at Earth Tech. He eventually became Vice President at TranDotCom Solutions, LLC. Now, David is serving as a partner at Cane Bay Partners.
Cane Bay Partners is a company that is fully focused on helping companies providing services in the financial industry. They provide the following services to their clients.
- Management consulting
- Risk management
- Product development
- Collections modeling
- Portfolio management
- Service provider analysis
With these services, Cane Bay Partners is able to help their clients rise above any problems they may be having in their day to day operations, so they can cut the risks and reach a higher level of success. If your company is struggling, make sure you visit the website today to learn more about the services Cane Bay Partners provides its clients. Call the office today and they will be happy to schedule your meeting.


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Fav 4th of July Tradition
by Bridget Levin, Tastemaker in Residence
One of our favorite wedding gifts we received was from my oldest sister, whose middle name is FUN. She gave us a classic, hand-crank White Mountain ice cream maker; the kind that requires rock salt and muscles.
We make homemade ice cream every 4th of July, regardless of weather or mosquitos.
This means everybody takes their turn at hand cranking, with the task increasing in difficulty with every turn of the crank. Experienced crankers know to take their turn early to avoid rotator cuff issues. (But we can usually count on one of the macho guys being unable to resist showing off at the almost impossible finishing turns).
There is nothing like the taste of hand churned ice cream. Just be sure to eat it right after churning. Don't wait till refreezing changes the lovely soft consistency.
We love to add fresh strawberries and garnish with blueberries for a patriotic flair!
Easy Ice Cream Recipe
6 organic eggs
3 cups sugar
2 Tbsp. vanilla
whole milk to fill line in canister
Crank as instructed with your ice cream maker.


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Most everyone loves a good puzzle game, and these days there's an abundance of brain teasers available to us in multiple formats. Crosswords and Sudoku can still be found in your newspaper, but PC, online, and smartphone puzzles have exploded in recent years. Recently, I've spent many hours trying to level up in Candy Crush Saga (I'm stuck on level 102). But for me, the best puzzle games are ones that teach science in fun clever ways without making you feel like you're learning a lesson.
Two of my favorites show you how to design rockets and fly them to planetary bodies: Simple Rockets and Kerbal Space Program (with fun names like "smoon" or "Mun" as known in each respective game). These games are designed to run on your smartphone, tablet, or PC. One of my favorites I remember playing in middle school in the late '90s, "The Incredible Machine" challenged you to create the most elaborate Rube Goldberg device imaginable. The new "Contraption Maker" made by the same team will satisfy your urges for elaborate designs for simple problems.
Best of all, puzzle games can do more than just teach what's already known about science, they can help researchers refine and improve their own research, and generate new science. Scientists have put our basic desire for new puzzles to use previously in projects like FoldIt where citizen scientists are challenged with folding proteins.
A newer science puzzle game I'm itching to start playing is designed to help scientists understand how RNA folds. This work was described last week in a report[1] from the Proceedings of the National Academy of Sciences. Scientists from Carnegie Mellon and Stanford Universities developed "EteRNA", a puzzle game designed for citizen scientists to play. The question was simple; can gamers learn the basic rules of RNA pairing and folding and generate rules that would outperform algorithms and computer-generated models? The answer was yes.
EteRNA first teaches users the basics of RNA. RNA is made of nucleotides; G, A, U, C. G pairs with C, U with A and G:C pairs are strongest. With those basic rules in mind, more complex target structures can be made. Participants designed structures based on known rules first, and then on ever more complex structures. Shapes included loops, stem-loops, crosses, stars, and branches.
Each week, a new target structure was proposed and players would have to design their own sequences that could fold into the desired shape. Those sequences that were voted as the best by other players were synthesized and tested in the lab to determine if they would fold as predicted. These challenges led to 40 contributions to RNA design rules that will help future researchers.
Games like FoldIt and EteRNA open up a new area for both players and scientists alike, and crowd-sourcing science questions could be an advantage in many other fields. Vast amounts of data are generated by scientists every day. Deducing the patterns is always challenging, but if you can make a game out of it, you'll have a huge population of people looking for that next puzzle willing to help.
[1] Lee, Jeehyung, et al. "RNA design rules from a massive open laboratory."Proceedings of the National Academy of Sciences (2014): 201313039.
Ben Schmidt
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- To inject or not inject? - September 15, 2014


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Santa Cruz has brought to market a new carbon rim that's making even the most jaded bike junkie sit up and take notice. Have they done the impossible? I'll let you decide. The "Reserve" is the name of this nearly indestructable carbon fibre rim. I first took notice of it after seeing a video of Danny MacAskill attempting to literally destroy this rim by riding up and down cement stairs at speed and eventually doing it with no tire on. It took quite an effort to finally kill that rim!
Santa Cruz is so confident in the hardiness of this rim that they are offering a lifetime warranty. When was the last time that you heard of a lifetime warranty on a carbon rim? So, what makes this rim so unique and so difficult to kill? Lets take a look at some of the design details that make this rim special.
First off is the asymmetric spoke bed. A 3 to 5mm offset, depending on the rim model, helps to equalise spoke tension on both rear wheels as well as front disc wheels. This is a great idea that I wish was utilised by more rim designers.
The next noteworthy design consideration is the actual spoke nipple seat. This area has been beefed up considerably. This likely will guarantee that nipples will rarely ever pull through even under very high tension.
Santa Cruz has entrusted the manufacturing of these rims to an Asian company that has not been disclosed. The fact that this rim is not made in the USA doesn't surprise me, as several Asian rim makers have extensive experience and have solid quality control.
Here's a cutaway photo of a Reserve rim and as you can see it has no bubbles or any other type of voids that are sometimes found inside carbon rims. All in all, very clean work.
So what different models are on offer. The Reserve is available in both 27.5 and 29er's in a few different widths.
Obviously these rims will be the domain of the MTB world but I certainly could see the Reserve 25 getting used by the gravel grinders out there. In fact it might be a really ideal carbon rim at 390 grams for those looking for a compliant ride and near indestructibility.
This brings me to my one beef about these incredible rims. At the moment I don't believe they are available to custom wheel builders like myself. Hopefully Santa Cruz will soften on this position and decide that only good can come by making them available to all those talented wheel builders out there who will pair them up with interesting hub choices. I would love to build up a set and thrash them on some of my fave gravel roads.


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You are here: Home Legal Topics Dispute Resolution - Financial Markets 10 big changes since Lehman
Lehman was the bank which, contrary to expectations, the authorities let fail - the exception that proved to rule. Pretty much every other bank survived only with the assistance of some form of state aid or bail out and a decade of quantitative easing and artificially low interest rates has followed.
If Lehman was "let go" to show that the taxpayer would not always ride to the rescue, those that made that decision also provided the central narrative for the crisis, the story that would provide the images, film scripts, plays and the morality tale on which we have had ten years to reflect.
Anniversaries of traumatic events and disasters are moments for remembrance and reflection – a short moment to recall what ten years of change have been designed to avoid and to reflect on whether enough has been done and on how close we might be to repeating the mistakes of the past.
In this and five more detailed articles we look to pay heed to the lesson of Lehman, remind ourselves why change is still being made are so important and take stock as to just how much progress has and has not been made.
The financial crisis and the collapse of Lehman led to a wholesale re-examination of the structure of the financial system, its operation and regulation around the world. The broad consensus was that failures and complacencies in regulation and regulators had played a significant role.
HM Treasury concluded that the financial crisis revealed a number of serious deficiencies in the UK's regulatory system. In particular, it suggested:
The then Coalition Government replaced the old Tripartite system with a new one based on the twin peaks theory - a reference to the separation of prudential and conduct regulation. The new system saw the FSA replaced by a new prudential regulator, the Prudential Regulation Authority (PRA) established as a subsidiary of the Bank of England and a new conduct-of-business regulator, the Financial Conduct Authority (FCA) to focus on ensuring confidence in wholesale and retail financial markets and delivering better levels of protection to consumers. A new Financial Policy Committee was established within the Bank of England tasked with "identifying, monitoring and taking action to remove or reduce systemic risks with a view to protecting and enhancing the resilience of the UK financial system."
The EU also overhauled its system in the wake of the crisis and, in the process, created the European Supervisory Authorities (ESAs) and the European Systemic Risk Board (ESRB). The ESRB oversees the financial system as a whole and coordinates EU policies for financial stability. Its stated objective is to prevent and mitigate systemic financial stability risk in the European Union in the light of macro-economic developments.
There are three ESAs - the European Securities and Markets Authority (ESMA) based in Paris, the European Banking Authority (EBA) currently based in London and the European Insurance and Occupational Pensions Authority (EIOPA) based in Frankfurt). These now supervise and provide regulatory guidance for individual sectors and institutions.
There has also been a concerted programme of regulatory reform by other governments and financial authorities around the world. Much of this programme has involved internationally coordinated work – for example, through negotiations in the Basel Committee on new capital requirements for banks, or the Financial Stability Board's work on cross-border crisis management and recovery and resolution plans. These initiatives, and others, are covered in more detail below.
If the taxpayer is going to underwrite bank failure, the taxpayer is entitled to expect far higher standards from its bankers and it is entitled to expect that those that fail to meet the standards will be held to account. In 1929 rich bankers lost all their money and some took their own lives. In 2008 some rich bankers lost their jobs, some lost a lot of money but, by and large, the richest stayed rich. Very few were held to account. The perception was that while the massive profits to be earned had been privatised for the benefit of those in the financial sector when things went wrong, it turned out that failure and its consequences were still nationalised for us all to share.
A lack of individual accountability and poor culture were viewed as key drivers in the collapse of Lehman Brothers, the financial crisis and also the conduct scandals that followed such as LIBOR and FX. Measures have followed designed to help address those shortcomings; the Senior Managers and Certification Regime (SM&CR), whistleblowing regimes and a focus on culture. The aim is that individuals take responsibility and accept accountability and that firms and individuals are aware of the need to comply with the spirit as well as the letter of the rules.
The cultural change agenda will take at least another ten years. It is to be hoped that its success or otherwise will only be truly tested once the Lehman veterans' generation has largely retired, though the chances are that such a test will come sooner than that. There are two distinct benefits of improved culture: the first is that the chances of bad, short term, profit focussed behaviours such as were seen in the US sub-prime mortgage market building the kind of problems for the financial system as a whole will be reduced, the second is that when problems arise, because confidence in behaviours and standards will be higher, "fear and contagion" will not be able to have anything like the same severity.
Both the SM&CR and whistleblowing regimes appear to have made significant steps in terms of addressing the question of who may be held to account: the SM&CR clarifies which senior managers are responsible for failings while whistleblowing is intended to defuse the concealment of failings. However, neither measure has moved the position forward significantly in terms of what behaviours trigger enforcement action: individuals and firms are still grappling with the nebulous concepts of "reasonableness", "culture" and "tone from the top" when deciding how to act.
Whether the measures can overcome this uncertainty and prevent the next Lehman Brothers-like crisis will only become clearer when truly tested. Nevertheless, both measures are looking to achieve fundamental shifts in culture and behaviour intended to have an impact for years to come and to restore reputations in the sector.
Further discussion of this issue can be found in our dedicated article here.
The issues of remuneration and incentives are closely linked to culture and individual accountability, particularly in the minds of the public. The crisis, led directly to intense public scrutiny of executive remuneration and incentive arrangements, largely due to concerns that remuneration arrangements encouraged the excessive risk-taking which led to the crisis and that the previous culture rewarded failure. Since then, we have seen extensive reform and an increasing body of regulation, in the financial services sector, governing remuneration and incentives.
The UK regulatory authorities, the FSA and subsequently the FCA and PRA, responded to the banking crisis by implementing remuneration rules regarding the arrangements that firms can offer to their employees. The FSA published the original Remuneration Code on 01 January 2010, setting out the standards firms were required to meet when setting pay and bonuses. Since then, there have been ongoing changes at a domestic and European level, driven by European Directives including (among others) CRD III and IV and the Alternative Investment Fund Managers Directive (AIFMD). These developments have also led to differences across jurisdictions.
There are now no less than seven Remuneration Codes in the UK, tailored to different types of firm and which apply proportionality regimes, as well as supplemental UK and European guidance. The aim of the Codes in the UK is to ensure greater alignment between risk and individual reward, discourage excessive risk-taking and ensure that remuneration policies and practices are consistent with effective risk management.
There has been a significant impact on UK firms. The rules expect firms to identify those who are material risk takers and "code staff", in relation to whom specific obligations under the remuneration codes apply. There are restrictions regarding bonuses, guarantees, termination payments, and in particular, the "bonus cap" requiring firms to set appropriate ratios between fixed and variable pay (usually up to one year's pay without express shareholder approval). There are further requirements in relation to deferral, malus, and clawback - all PRA-authorised firms are required to make reasonable efforts to recover vested remuneration if there is reasonable evidence of misbehaviour, material error or a material failure of risk management.
With effect from January this year, MiFID II (a new EU Directive which replaced the original Markets in Financial Instruments Directive) introduced new remuneration rules applicable to investment firms. MIFID II imposes specific requirements including that firms must appoint management bodies to oversee remuneration policies, take steps to identify and prevent conflicts of interest arising from remuneration structures, and that variable remuneration must be paid by reference to a balanced scoreboard which includes quantitative and qualitive criteria.
The Financial Reporting Council set out its best practice recommendations for executive remuneration and incentives for listed companies in the UK Corporate Governance Code. There are now three versions of the Code: 2014, 2016 and the most recent being published in July 2018 (which will apply from January 2019). The Code makes numerous recommendations including that remuneration committees should determine an appropriate balance between fixed and performance-related remuneration, all bonus schemes should contain clawback provisions, and that long-term incentive schemes should be phased. Whilst the Code has quasi-voluntary status, companies are required to explain how they have applied it in their annual report.
The financial crisis produced a range of initiatives from policymakers around the world determined to ensure that such a crisis could not happen again. A number of these were grouped under the phrase "too big to fail" and the initials TBTF would become one more acronym in the lexicon of lessons learned.
TBTF refers to the systemic risk posed by the threatened failure of a systemically important financial institution. The risk of an institution's imminent failure leaves public authorities with no option but to bail it out using public funds so as to avoid financial instability and economic damage. It effectively enables an institution to hold the taxpayer to ransom. It represents an implicit public subsidy of private enterprise failure and it encourages complacency and creates an uneven playing field; skewing the allocation of resources from the public purse to the detriment of all but the institutions concerned.
Before the financial crisis, policymakers relied on the concept of constructive ambiguity. The concept was based on the premise that a government should not give any categoric assurance that it would bail out a failing institution. It was believed that the absence of a clear assurance would reduce the moral hazard created by the certainty that a central bank would act as the lender of last resort.
The financial crisis established the limitations of constructive ambiguity. After it, policymakers concluded that certainty was preferable. The measures to be taken to create a regulatory landscape in which a systemically important financial institution would, and could, be allowed to fail without producing systemic disruption or collapse would be a manifestation of their sincerity.
The ten years since the financial crisis have witnessed an extraordinary regulatory effort to end TBTF led in large measure by the G20 and the Financial Stability Board which it established in 2009 as the successor to the Financial Stability Forum. The FSB itself has noted that despite much progress a substantial amount remains to be done to build effective cross border resolution regimes. It is therefore still too early to say whether the problems associated with it have been resolved.
Further discussion of these issues can be found in our dedicated article here.
It was perhaps bad luck that the implementation of Basel II coincided very roughly with the start of the financial crisis in 2007 and, as might be expected, the financial crisis spurred the development of further amendments to the Basel capital standards. Basel II.5 was agreed in 2009 and the initial Basel III reforms followed soon after in 2010. The completion of Basel III took a little longer - the final set of amendments was only agreed in December last year.
One of the key changes introduced by Basel III was to improve the quality and quantity of capital. Although overall capital remained at 8% of risk-weighted assets, the Common Equity Tier 1 and the Tier 1 capital ratios were increased to 4.5% and 6% respectively and Tier 3 was abolished completely. Basel 3 also introduced a series of capital buffers, which are extra layers of capital above the minimum capital requirements. The capital conservation buffer has been set at 2.5% and the countercyclical capital buffer is designed to vary so that it reflects the credit cycle and the risks due to excess credit growth. In acknowledgment of the fact that the models used to risk weight assets may not always assess risk appropriately, Basel III also introduces a backstop measure called the leverage ratio, which is the ratio of Common Equity Tier 1 capital to (unweighted) on- and off-balance sheet exposures.
At the time it failed during the crisis, Northern Rock had one of the highest capital ratios in the UK, and this serves as a reminder that bank funding is just as important as capital. Basel III therefore introduced measures to ensure banks maintain sufficient liquidity. The Liquidity Coverage Ratio is designed to ensure that banks have sufficient short term funding and the Net Stable Funding Ratio is focussed on long term, stable funding.
Risk assessment and coverage have also been improved. The internal models approach to market risk in the trading book now includes a requirement to calculate stressed-value-at-risk as well as value-at-risk, and the capital treatment of securitisation positions in the trading book has been revised so it is more consistent with the banking book. Banks must now hold capital for credit valuation adjustment (CVA) risk and amendments to the capital requirements for positions in OTC derivatives work with reforms to clearing to incentivise central clearing. In parallel with these developments, credit rating agencies (which, according to some played a significant role in the crisis) are now subject to authorisation and regulation at an EU level, with a view to improving the quality of the credit ratings used as inputs into the standardised approaches to assessing credit risk in the banking book.
Basel III has been implemented in the EU by the CRD IV package of legislation (with some tweaks). Further amendments to CRD IV are currently progressing through the EU legislative process in the form of the CRD V/CRR II package, as are the Commission proposals to create a dedicated prudential regime for investment firms. The Commission is reportedly considering the December 2017 amendments to the Basel standards with a view to making further amendments (presumably CRD VI). Ten years after the financial crisis, the development of prudential regulation looks set to continue apace.
The collapse of Lehman tested to the limit the durability of the financial system in all major financial centres. In the UK, Lehman's counterparties were unclear as to whether over 840,000 trades would go on to settle, while clients had more than $35bn in cash and assets tied up in the insolvent estate. The impacts on both market confidence and financial stability were severe.
A number of central counterparties (CCPs) and market participants reportedly started developing solutions to enable trades to continue to settle after the failure of a clearing member, but this was put on a legislative footing in 2012 by the European Market Infrastructure Regulation (EMIR). EMIR requires CCPs to be authorised (if based in the EU) or recognised (if based outside the EU). As a minimum, CCPs and clearing members are required to offer clients the choice between omnibus accounts and individually segregated accounts. The difference is that omnibus accounts hold positions and margin relating to a group of clients (which are therefore commingled) whereas individually segregated accounts hold positions and margin relating to just a single client. Since a clearing member acting on a principal-to-principal basis will receive margin from its clients on a gross basis but can (if it wants) post margin to the CCP on a net basis, an omnibus account operating on a net basis will be cheaper for a clearing member to operate but will offer clients less protection. EMIR requires CCPs and clearing members to disclose publicly the levels of protection and the costs associated with different types of account.
A CCP must have default rules which enable it to transfer client positions and margin from a defaulting clearing member to another clearing member. This is intended to avoid the problem which arose on the failure of Lehman for the 840,000 outstanding trades.
The hope in the future is that a CCP could, so far as practically possible, transfer outstanding trades with a defaulting clearing member to other, financially viable, clearing members and thereby insulate the markets from the default. Implementing these reforms in the UK required quite intricate amendments to Part 7 of the Companies Act 1989 and the Financial Markets and Insolvency (Settlement Finality) Regulations 1999.
When coupled with reforms made by EMIR to require certain classes of OTC derivatives to be cleared, the systemic impact of a failure of a large investment firm is now reduced. The downside, however, is that the systemic impact of a CCP failure is increased, and this has been the subject of a separate set of reforms.
Although not triggered directly by Lehman's collapse, the increased regulatory scrutiny it heralded arguably brought other conduct-related issues to light, including the rigging of benchmarks. Since the collapse there have been significant changes to the regulation of indices and benchmarks in the UK and Europe more widely. These changes followed in the wake of concerns about the integrity and accuracy of the benchmarks used by the financial markets and, in particular, the manipulation of interest rate benchmarks such as the London Interbank Offered Rate (LIBOR). These concerns led to regulators investigating, from 2009 onwards, the manipulation of LIBOR and other benchmarks.
The UK's response to these concerns was to the launch the 'Wheatley Review' , out of which, following one of the report's key recommendations, came the first wave of benchmark related regulation in the UK. Specifically, Wheatley recommended a comprehensive reform of LIBOR under which there should be a statutory regulation of, administration of, and submission to, LIBOR. In 2012, following the Wheatley Review, the UK government used the Financial Services Act 2012 to create a new regime for the regulation of benchmark-related activities, among other significant regulatory changes. So, on 02 April 2013, the UK saw the introduction of new regulated activities relating to certain specified benchmarks. The list of specified benchmarks was later expanded upon to include a total list of eight specified benchmarks, which included LIBOR and Sterling Overnight Index Average (SONIA), amongst others.
The next, significant change, came in the form of the EU Benchmarks Regulation (the "BMR") , which, with some exceptions, has applied since 01 January 2018. At a European level, the BMR seeks to address the concerns about the integrity and accuracy of benchmarks by way of broad application to market participants in respect of either the provision, contribution of input data, or use of, benchmarks. Whilst the BMR, as a regulation, has direct effect in the UK, The Financial Services and Markets Act 2000 (Benchmarks) Regulations (SI 2018/135) (the "UK Benchmark Regulations") give effect to the BMR by making the activity of administering a benchmark a regulated activity and designating the FCA for the purposes of the BMR. For the time being, until the end of the BMR's transitional period on 01 May 2020, the UK Benchmark Regulations provide for a dual regulatory regime. From 01 May 2020, the new specified activity of administering a benchmark will then become the sole regulated activity in relation to benchmarks.
The financial crisis which followed the Lehman collapse triggered a tsunami of litigation brought by consumers against financial institutions and, unsurprisingly, led regulators to impose a raft of changes aimed at better protecting consumers.
Tens of thousands of retail investors globally held over £1bn of investments in products issued by Lehman Brothers on 15 September 2008. When Lehman filed for bankruptcy, those products ceased providing an income stream and seemed likely to be worthless. Ten years on, the question we are asking ourselves is have all the changes intended to better protect consumers worked?
We will only really know the answer to that when the next seismic market event hits us. However, to borrow from the thematic findings in the FICC Markets Standards Board paper on "Misconduct patterns in financial markets" (published in July 2018) there are a limited number of repeat behavioural patterns, they are jurisdictionally and geographically neutral, they occur across asset classes and they adapt to new technology and market structures. So perhaps we should not be too optimistic.
The Lehman legacy from a consumer protection stand point could perhaps be described as leaving behind a regulator which is seeking to intervene more often, in more ways and earlier in the process, which must be a good thing. However, what may be the real hero of the hour is the FCA's cultural revolution and its focus, as Andrew Bailey (FCA CEO) stated earlier this year, on the "simple concept" of "individual responsibility and accountability". Of all of the post-Lehman changes this is the one which goes to the heart of what financial service firms are and stand for, and should ensure that the majority of consumers in the future will have a much more positive experience of the financial services industry.
Further discussion of these issue can be found in our dedicated article here.
In the wake of the crisis there was a widespread (and largely unsatisfied) public demand for scalps – the criminal prosecution of those considered responsible. Since then there has been a proliferation of instruments available to prosecutors dealing with economic crime including significant changes to the market abuse and money laundering regimes and the introduction of failure to prevent offences. Financial institutions' exposure to criminal liability has increased commensurately.
However, it is still not clear that the criminal law has expanded sufficiently in order to capture some of the conduct of financial markets participants subsequently regarded by many as criminal. Despite the public outcry, there have been very few successful prosecutions in the financial services industry in the decade since Lehman fell. It is not altogether clear that the laws introduced to date would have markedly changed that reality. Even though compliance burdens have increased, hopefully making the system safer in the process, it remains very difficult to prosecute large, complex companies of any kind or their senior employees for economic crimes of the type revealed by the financial crisis which are carried out in the course of their business.
For that reason there remains considerable impetus behind further reform - perhaps the introduction of a general "failure to prevent economic crime" offence, though that proposition has a number of disadvantageous elements. There is a perception amongst many that, in the absence of such sweeping provisions, it will remain very difficult to prosecute a company on the basis of supposed criminal wrongdoing of the sort revealed by the crisis.
Moreover, there is a significant risk that the spotlight placed on financial services in the last decade has dimmed the focus placed on other, growing areas of criminal conduct that are not so well accounted for. Most significant of all may be the increasing importance, and vulnerability, of data in the modern economy where cybercrime has become the most prevalent and damaging type of fraud in the UK.
If you could step Alice in Wonderland - like through a mirror from September 2008 to September 2018 an awful lot might feel back-to-front. Lehman had been too bust to save and Lehman debt in the UK was trading at cents in the dollar, a shortfall to unsecured creditors in the administration of Lehman Brothers Europe International ("LBIE") was generally considered inevitable.
Ten years later on, LBIE has repaid all its creditors 100% and the debate has been as to the entitlements to the $7 to $8bn surplus. LBIE debt turns out to have been one of the best performing assets of the last decade and the rewards for those that identified the opportunity early and bought LBIE debt in the secondary market before the scale of creditor recoveries became clear must have had their wildest expectations exceeded. Of course, had the FSA, the Bank of England and PWC known in September 2008 about LBIE and its assets and liabilities what we now know, then the story would have unfolded very differently, much less dramatically and far quicker. If the reforms of the last ten years achieve only one thing: reducing the fear that prompted contagion, that could make all the difference.
This document (and any information accessed through links in this document) is provided for information purposes only and does not constitute legal advice. Professional legal advice should be obtained before taking or refraining from any action as a result of the contents of this document.
Robert Turner
Partner, London
+44 20 7825 4937
© Simmons & Simmons LLP 2019. All rights reserved. Registered in England & Wales Registered Number OC352713
elexica Limited, CityPoint, One Ropemaker Street, London EC2Y 9SS


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It's about time I fix this up, now I'll mostly be working on shoegaze and indie stuff instead of the jumbled mess I had before in here. If anyone wants to help with any song on any part (or if you have any suggestions), just message me about it.
Random Songs Currently Being Worked On:
- Gleemer - Long Hair (Tempo Mapped)
- Planning for Burial - Warmth of You (B/D/V)
- Weed (CAN) - Options (G)
- White Ward - Black Silent Piers (G/V)
Random Songs Planned To Be Worked On:
- Alter - Pendulum
- Slowdive - Primal (a.k.a. my favorite song of all time)
- Sweet Trip - Dsco
Emo Pack - i just like these songs okay?:
- Remo Drive - Yer Killin' Me (D)
- American Football - Honestly? (V)
- The Hotelier - Your Deep Rest
Giraffes? Giraffes! 3-Pack (w/ Nolan & SynthStreaks):
- At the Turf Field Behind My Parents' House (G)
- When the Catholic Girls Go Camping, the Nicotine Vampires Rule Supreme.
- Koscinski's Requiem For a Golden Chariot (D)
The Physics House Band - Mercury Fountain (Full Album w/ PixelGH):
- Mobius Strip
- Calypso
- Holy Caves
- Surrogate Head
- A Thousand Small Spaces
- Obidant
- Impolex
- The Astral Wave
- Mobius Strip II


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The Wine Loft, a link in a Louisiana-based chain that may have the most irritating web site in the world (unless you like a lot of techno music and little information – see for yourself here), just opened last week at 1527 Wazee Street, in the former home of Pharmaca. A second Colorado outpost is slated for the Landmark project in Greenwood Village
And Cru - A Wine Bar, a Texas-based chain http://www.cruwinebar.comthat already has a location in Larimer Square, just uncorked another Colorado outlet in the Vistas at Park Meadows.
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Tuesday, May 22, 2012
Brillenetui umstylen / Glasses case makeover
10 comments:
bin durch Zufall hier gelandet und habe mich gleich ein wenig umgeschaut. Das Brillenetui ist toll geworden. Und es ist so schön, Oma zu sein, oder?
LOVE, love this idea!!!! Thanks for sharing ... I am going to do one for Grandpa for Fathers Day! I just saw your link on www.RolledUpPretty.com and thought I would stop and say hello! pippaReplyDelete
Oh, tolle Idee- und das hält tatsächlich?ReplyDelete
What a fun idea! If you're looking for another place to share your crafty ideas, head on over to Etcetorize (http://etcetorize.blogspot.ca/2012/05/make-it-great-monday_20.html) Party is still on, would love to see you there~ReplyDelete
Hi, your glasses case turned out great! Good job! and thanks for sharing it!ReplyDelete
Greetings from Spain
Beautiful!! What a great idea! Happy to reach out to you from Columbus, Ohio, USA. ~ZuniReplyDelete
This is sooo cute! Thanks for sharing :)ReplyDelete
I never would have thought to do that! What a fantastic idea! Your daughter and granddaughter are beautiful.ReplyDelete
Great idea! Thanks for linking up to STL Wednesday!ReplyDelete
Love this! Thanks for the great tutorial. Thanks so much for linking up to Creative Thursday last week.ReplyDelete
I can't wait to see what you link up this week. Have a great day.


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The Space Between
Too often, I think individuals get fixated on the "After" and the thing they seem to want to do the most is rush to the finish line. We'd like to lose weight and so we exercise – are we there yet? You get the point.
I mean, we have a plan, right? True, there is always a plan.
Hire the trades, source the products, follow the plan and- voila! – beautiful new space. Right?
Well, not exactly. In fact, this is rarely the case in real life. Best-selling author and coach, Nancy Levin, works with clients to live in alignment with their own truths and she says this:
"Honor the space between the no longer and not yet."
Right now, you're most likely thinking – that's great (and a bit woo-woo) - but what in the world must this do with my house? It has everything to do with your home and what it will take to transform it from where we start and where we land.
You see- what you're about to embark on is process.
What any great designer brings to this forum is an art form and not science. Their arsenal is intuitiveness, keen foresight, shrewd logic and, hopefully, and bit of unexpected genius. And above these skills and talents is unexplainable penchant for patience and an ability to find calm within the chaos:
To stop, to listen, and really feel what it is that this home is needing. To recognize that in that mess of unfinished sheet rock; in the frustration of that backordered tile; in the plan B or even C or – ugh - plan D lies the perfection of the finish line if we just give it space to breathe.
Design can be messy – a secret we often keep from the clients and public – and any seasoned practitioner would be lying to feign otherwise.
Trust the process. Don't rush to judgement when only seeing pieces of the completed puzzle.
Know that when we tell you that it is all going to work out –it is going to work out.


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You may remember Nicole Scherzinger from the hit group of the early 2000's the Pussy Cat Dolls. Or you may have watched her on the UK version of the X Factor where she acted as a judge. Now, with her second solo album recently released, Nicole is an act all her own. What you might not know about her new album is that some of its inspiration came from her struggles with eating disorders. She opens up about this in an article for the entertainment and digital news site Digital Spy, as well as in an interview with BBC Breakfast. The album, Big Fat Lie and its title track was written from a "place of strength…to help other people and inspire other people battling any disorders or any diseases themselves." She went on to say that she "decided to title the album [Big Fat Lie] because things aren't always what they seem. Facing those issues head-on is what has gotten [her] to the most authentic place now and a courageous place to be able to talk about it a lot and deal with it; Create something beautiful from maybe something that wasn't once so beautiful." Some strength and inspiration for the end of your week.
Read the article here: : http://www.digitalspy.com/music/news/a600710/nicole-scherzinger-new-album-title-big-fat-lie-about-eating-disorder.html#~oXxYZwH3GIoS9S#ixzz3L09MCBsT


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"We are passionate about two things-coffee and people. We strive to make the perfect cup any way that you like it, while creating a space for the community to come together." – Zendo
by Colorado Coffee Zine
Zendo is a place where you walk in and you feel an immediate inner chaos…in a good way. Everything is energizing and stimulating, the customers, the staff, the art on the walls, the anchored furniture, the suspended furniture, the light…writing about the way Zendo makes you feel won't get you anywhere in the traditional article format, so please forgive the Zine for giving up on that from the get go.
This espresso bar – art gallery, is a place that 30 people will recommend you go to if you mention "coffee" in Albuquerque or even in Santa Fe. And that is how the Zine came upon it, by word of mouth. Customers love this place so much, that the moment you step in as an out-of-towner wearing your dumbounded obviousness on your sleeve, people are still recommending it to you… and you're literally already there.
"Its just a super nice place to hang out…its energized and relaxed, you can come here and be in your own world, but you can also come have a conversation" said Jess who loves the space with its mixture of communal tables and individual tables. She's been a Zendo regular since it first opened in 2013 and her favorite drink at Zendo is the mocha (shout out to Jess).
This Summer Zendo will be entering is 4th year. Without being in your face or poshy, Zendo doubles as an art gallery and rotates to a new artist almost every month. The mixed-use space creates harmony between these still pieces of art and all of the people hanging out around it. Zendo presents new work by holding official artist introductions during the evening of the launch, offering locals a chance to interact with the artist and gain a better understanding of the work they'll be surrounded by for the next month. Customers can also lounge outside in the ample patio space shared with neighbor Sidetrack Brewing Co.
Zendo primarily works in the tradition of rotating the coffee among various roasters rather than roasting themselves. Some familiar favorites include Colorado based roasters Middle State and Commonwealth as well as Southwest cousin Cartel Coffee. The menu is large and in charge, referring to the wide range of creative in-house originals, or signature beverages like Golden Milk and Zia Latte. A first pass leaves you stumped, what's good here? But its clear from the buzzing that any drink from this well oiled machine will be worth it.
Speaking of machines, someone you can barely see, but you can certainly hear, is working levers and pulling shots on a gorgeous, polished vintage espresso machine. This person has eyes on the back of their head, unparalleled peripheral vision, and a voice that resonates through all the other sounds.
She is Pilar Westell, owner of Zendo. What is most surprising, second only to having witnessed one of the most engaged owners I've ever seen in full action, is how well the team behind the counter, at one point 4 people, each transfer tasks seamlessly to eachother without apearing the slightest bit disrupted or flustered. Meanwhile, they are all engaged in warm conversations with a familiarity you can only find in a place where everyone grew up together and maintains strong ties. Much later, after speaking with the team a bit and Pilar herself, I found this was indeed the case. Not only is everyone treated like friends and family, many of them literally are friends and family, some boasting 10+ years of mischief together in the state dubbed the Land of Enchantment.
Zendo is unique and will offer everyone something different. Whether you're on the road from Colorado or a local just a few cities away, Zendo is worth the drive.


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03 April, 2013
Childhood Puppy
2 comments:
- Hobbes said...
...and what a charming morning dream that was. Those warm, gentle moments before waking, sometimes fruitful ground for pleasant dreams such as this one. My childhood friend, a mongrel collie-corgi (!) cross-breed, eternally friendly, eternally energetic, barking happily at me as she ran ahead of me.
Re-reading this old haiku, I am taken back to that exact moment in which I enjoyed the memory of my dear friend... and to the tinge of disappointment on waking, realising that it was a dream.
I like to think that she is out there, in the Happy Hunting Grounds, engaged in the eternal pursuit of otherworldly squirrels, which she can, as always, never catch.
The ellipsis in the haiku precisely catches that moment of realisation of the dream. It is a personal example of the space between the words carrying as much significance as the words themselves.
I never tire of the magic of haiku.
- 3 April 2013 at 15:16
- Hobbes said...
P.s. I was rather playful in choosing this more recent photograph taken at the zoo, in which Xiaohu and I were fascinated by the lizards. They have the same noble bearing, combined with rather comic appearance, of my dear childhood puppy. I bet they run about the same speed.
- 3 April 2013 at 15:17


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Are you looking for a solid, timeless motorcycle? Look no further than a Yamaha Cruiser / V-Twin motorcycle. Available in a variety of models, Yamaha Cruisers offer chopper-inspired looks, plush seats you can relax into for those long road trips, and plenty of torque and power for head-turning performance.
Browse our popular Yamaha Cruisers below, and stop in to rev yours today.
Let us find you the right powersports solutions. Please feel free to contact us at (615) 667-1647 or stop in today!


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Welcome to VIP ME UK
Cash Payments in store.
Paypal :- email@example.com
Bank Transfer :- Details available on request.
Once you leave a deposit you can, if you wish, call into the shop and pay off your balance for order.
All booking payments must paid in full 3 working days prior to your booking date.
Web ViewMobile View


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This is exciting news. His talent and his style helped revive Gucci back in the early 2000s and now he is going to create his own woman's line. This must be great news for retailers and fans everywhere.
I think he will offer the same classic sexiness and sophistication we've seen in his Gucci collections. It will be feminine, luxurious, but I also think it will be younger without the constraints of Gucci's clientele. His name is almost a substitute for cool, sexy, and luxury; but I'm hoping now that he is on his own and deciding to come back from other interests, his clothes will be fresh, and desirable, which is almost a guarantee. Plus, his venture into photography and film since Gucci definitely adds artist creds to his name. This sort of association is much needed in today's fashion circle (in order to attract the newest bunch of fashionistas who are also artist wannabes). It's no longer just beautiful clothes, it also need a point of view or artistic reference, it's all about a story (collection) that has substance behind the clothes and the person making the clothes (ideally the clothes SHOULD be synonymous to its designer anyway...)
He had mentioned back in October that it should take about 18 months for the final product to be presented. So it's time for the Tom Ford fans to start marking their calendars. I'm definitely intrigued.


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The Autonomous Floating Objects were derived from jellyfish as a utopian vision on the future of ocean going vessels. Sponsor of the project was Damen Shipyards. The A.F.O's are part of the art project Symposion that was first held in 1973, the exhibit was opened by Queen Beatrix of the Netherlands in 2005.
Material stainlessles steel 3.5 x2.5metres sculpture


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The Positives to Joining an Agency
Hi everyone,
Here's my second video in a series about licensed home child care. In this video I explore three positives to joining an agency. BLOOPER moment. My husband knocks over a baby gate at the very end of the video. This makes a random loud noise. Fun fact, he thinks it's hilarious….
A Few of My Favourite Tips
Tackling the Big 3
This is my first video in a series about licensing with Little Lambs. This first video tackles providers concerns about the Big 3.
1. loss of control
2. potential clients
3. We're judging you
These are all giant misconceptions and are not at all what Little Lambs is about. Little Lambs is here to support our providers, to ensure quality child care and grow your business.
Thank you for watching :)
I am the creator of this amazing business and I am filled with hope and aspirations for a childcare program that far exceeds expectations.
August 2019


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Global Agribusiness Company is looking for Process Engineer to join the Grains Silos Construction Team
Responsible for the industrial process design, configuration and startup of new grains handling facilities.
Defines the operational flow and all the necessary routines to improve the overall industrial efficiency and guarantee cargo quality.
Improves grains handling productivity by analyzing and planning workflow, space requirements, and equipment layout.
Manages and prepares the RFQ documentation, including vendor's evaluation reports and technical bid analysis.
Define and implement maintenance programs for the new silos and the existing network.
Ensures design plans and associated documentation are implemented effectively and maintained.
Identify root case and implement corrective actions for any cargo handling quality issue.
Preparation of various engineering deliverables such as drawings and plans: process flows, process datasheets, equipment specifications, cause & effect diagrams, etc.
Supervises the construction phase, equipment testing and commissioning.


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@kimwegner needed a new logo design and created a contest on 99designs.
A winner was selected from 130 designs submitted by 31 freelance designers.
CDL Life
We are a news and informational source for America's truck drivers. They work hard to bring you what you buy and they deserve a place where they can go for honest industry news, a few laughs and some excellent tools for the road. CDL Life is about making life easier for those who do one of the toughest, most under-appreciated jobs in America.
Please visit twitter.com/cdl_life to see our old logo that no longer suits our purpose (the profile picture that we find too stanch and conservative). The background embodies the mood we are now striving to achieve.
Our audience is over 92% male, between the age of 35 and 54, moderate to low income and moderate to low technological know-how. They engage highly with humor and comedy. They are straight shooters who call a spade a spade and aren't afraid to let you know what they truly feel. They work long, hard hours and are away from their families for weeks at a time. They have a tough row, but are some of the best folks around.
Find out how a design contest works or learn more about our logo design services.


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We are just few days away from the biggest event in the history of professional wrestling- Wrestlemania 34. The 34th edition of Wrestlemania will take place from Mercedes-Benz Superdome in New Orleans on April 8.
Fans have been eagerly waiting to see the much-awaited match between arguably two of the most loved WWE superstars- Undertaker and John Cena.
John Cena has been pitching for a match against the 'Dead Man' for quite some time now. The 16-time world champion issued a challenge to Undertaker on RAW few weeks back, but he is yet to receive a confirmation.
The Cenation leader faced Kane on RAW last week and it was expected that the Undertaker would show up after the match. The match was set up after the Red Machine attacked Cena on March 19.
It seems John Cena's wish will finally come true on the Wrestlemania 34 go-home edition of Monday night RAW. According to a report in Cagesides, the 'Phenom of Death Valley' will accept John Cena'a challenge in Phillips Arena in Atlanta, Georgia.
John Cena, who was part of the first-ever seven men elimination chamber match, took to Twitter to post a hilarious post on the Undertaker.
Woke up and phone alerted that I had a #WrestleMania answer from The Phenom! My phone's been doing this for 3 hours now. #AprilFoolsDay Undertaker 1 Cena 0 pic.twitter.com/41yagr1pFm— John Cena (@JohnCena) April 1, 2018
John Cena has taken several potshots at the former world champion on social media.
The contest between John Cena and Undertaker will be nothing short of a blockbuster affair and we just can't wait for Wrestlemania 34 to see the two perform at the Grandest Stage of them all.


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Dynamic movements are committed to a cause. But what if you're not sure what that cause is any more?
Tim Keller writes:
A generation ago, it would have been hard to imagine evangelicals unable to agree on what the simple gospel is: 1) God made you and you must have a relationship with him, 2) but your sin separates you from God. 3) Jesus, God's Son took the punishment your sins deserved. 4)If you repent for your sins and trust in his work for your salvation, you will be forgiven, justified and accepted freely by grace, and indwelled with his Spirit until you die and go to heaven.
But many today challenge this way of expressing the gospel.
In A New Kind of Christian Brian McLaren's character Neo says he doesn't "think most Christians have any idea of what the gospel really is." When his interlocutor responds that he thought the gospel was "accepting Christ as your personal savior and justification by faith not works based on the finished work of Christ on the cross" Neo responds, "Yes, that's exactly what most modern Christians would say". reduc[ing] the gospel to modern dimensions, laws, steps, simple diagrams, complete with a sales close." When pressed on what the gospel is, Neo insists that it can't be reduced to a formula, other than the one Jesus used, "The Kingdom of God is at hand." He then quickly adds that we shouldn't use that short-hand either, since "everything is contextual' and the term "kingdom" would be opaque to many people today.
Read Tim Keller's response to this postmodern confusion regarding the gospel.


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Our new kitchen is a pretty big project that will be a little more intensive, so in the meantime I'm focusing on breathing new life into our living room. It's already changed a ton since the image below was taken (what it looked like when we moved in), mostly just because our furniture and artwork is in there now, but I really want to give it a fresh coat of white paint (especially on the dark, heavy fireplace), some pops of color and pattern, and lots of plants!
We've got a door with a window similar to the one second to last in this post, and I've already got yellow paint to brighten it up. I think the other walls will end up with white, but I might do a fun statement wall on one of the smaller walls. Since we don't live here permanently I can't do super crazy stuff, so I may end up using removable wallpaper from Walls Need Love like I did in our last house, which was a really great way to update without the pressure of committing to a crazy paint job (or committing to a crazy paint job that takes months to finish. Walls Need Love actually made that pattern into a wallpaper so you don't have to become a crazy person like me).
Images sources (except before image below): 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10
Mostly I just want the space to feel inspiring, bright, and happy. I want lots more plants (I need a snake plant and super tall cactus, like, yesterday), and I have a couple of vintage chairs that my parents got at a garage sale that I really would love to reupholster to bring them into the vibes of the space I have envisioned. Luckily their upholstery is super simple (basically just 4 rectangular pads), so I think I can DIY that!
A super big project that will probably be down the line is putting built-in cabinets/shelving on either side of the fireplace. As you can see, that whole side of the room has a sort of weird step up that makes it virtually non-functional for furniture, so building in some shelving (much like Elsie's white shelving) would make that space much more useful and I would even love to put some upholstered pads in front of the shelving next to the fireplace for reading nook seating! Like I said, that's a huge project that probably won't happen in the next few months, but who knows, maybe I'll get a huge burst of nesting energy and go for it before the baby comes! Now to convince my dad to help me build this cabinetry...


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How to retrieve Attendance from Biometric Device in Paywings?
Most of the companies or the organization are using Biometric devices to punch attendance of their employees.Paywings facilitates Biometric device integration, user can easily fetch data i.e attendance from Biometric device being used in company or the organization.
Video Reference:
Please follow step by step instructions as described in this document.
- Click on Biometric Details Tile.
- Firstly user should enter biometric device details, please refer Biometric Device Details .
- Click on Open Comm button to set communication between the Biometric Device and Paywings.
- Click on Log Data Button to fetch log from Biometric Device.
- User should select Payroll Period i.e. MonthYear to be generated.
- Click on Get Log Button, which will display Log Data i.e. attendance of the selected Payroll Period i.e. MonthYear.
- Click on Save Data Button.
- A message pops " Data Saved" , click on Ok button to save in Database.


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St Mary of Charity Primary school, as a church school, will have regard to their responsibilities to be living Christian communities, strongly related to the local community and demonstrating wider inclusivity.
Admissions criteria for 2018-19 P.A.N.30St Mary of Charity is a Church of England School, part of the Aquila Multi Academy Trust and the governing body is the admissions authority. The governors will consider the admission of children in accordance with the following criteria in order of priority:
1. Children in the care of the Local Authority or have recently been adopted.*
2. A brother or sister attending the school when the child starts. In this context brother or sister means children who live as brother or sister in the same house, including natural siblings, adopted siblings, step siblings or foster siblings. **
3. Children whose parents or carers attend St Mary of Charity Church at least once a month and have done so for a period of not less than 1 year. (Please note you will need to have the supplementary information form signed by the church minister and return this to the school – this information sheet can be viewed by parents on appeal.)
3a) Children whose parents or carers attend any other Anglican Parish Church.
4. Children with specific needs and/or barriers to learning including:
I) Children of families with confirmed refugee status
II) Children with physical or medical needs where written evidence is available from a senior clinical medical officer and the child's GP or specialist showing that it would be detrimental to the child's health not to admit him/her to the school. Details of this must accompany the initial application.
III) Children where one or both parents have a disability that would make travel to a different school very challenging. Evidence from a registered health professional such as a doctor or social worker will need to be provided. Details of this must accompany the initial application.
IIII) Children from families associated with Military Services
5. Children whose parents or carers attend any other Christian Church affiliated to Churches affiliated to Churches together in England and have done so for a period of not less than 1 year. (Please note you will need to have the supplementary information form signed by the church minister and return this to the school – this information sheet can be viewed by parents on appeal.)
6. Any other children with priority being given to children who attend St Mary's Playgroup
Before the application of oversubscription criteria, children with a statement of special educational needs which names the school will be admitted. As a result of this the published admissions number will be reduced accordingly.
Within each of the criterion above places will be ranked in accordance to distance. We use the distance between the child's permanent home address and the school, measured in a straight line using the National Land and Property Gazetteer (NLPG) address point data. Distances are measured from a point defined as within the child's home to a point defined as within the school as specified by NLPG. The same address point on the school site is used for everybody.
Additional Guidance for Parents
* Children in Local Authority Care – a child under the age of 18 years for whom the local authority provides accommodation by agreement with their parents/carers (Section 22 of the Children Act 1989) or who is the subject of a care order under Part IV of the Act. This applies equally to children who immediately after being looked after by the local authority became subject to an adoption, residence or special guardianship order. (As defined by Section 46 of the Adoption and Children Act 2002 or Section 8 or 14A of the Children Act 1989)
** The sibling link is maintained as long as the family lives at the same address as when the first child applied, or has moved closer to the school than when the first child was offered a place, or has moved to an address that is less than 2 miles from the school using the distance measured by the method outlined in the distance criterion.
*** A pupil's home address is considered to be the residential property that is the child's only or main residence and not an address at which your child might sometimes sleep or stay due to your own domestic or special arrangements. The address must be the pupil's home address on the day you completed the application form which is either
If you live separately from your partner but share responsibility for your child, and the child lives at two different addresses during the week, we will regard the home address as the one at which the child sleeps for the majority of the weekdays.
A block of flats has a single address point reference, so applicants living in the same block will be regarded as living the same distance away from the school. In the unlikely event that two or more children live in the same block and in all other ways have equal eligibility for the last available place at the school, the names will be issued a number and drawn randomly to decide which child should be given a place.
A waiting list will be maintained, in accordance with the over subscription criteria and should a place become available the child ranked highest on the list will be offered the place.
In accordance with the Education Reform Act 2002, parents have the right of appeal to the Independent Appeal Committee against the decision of the governing body not to admit their child(ren) to the school.
After a place has been offered the school reserves the right to withdraw the place in the following circumstances.
1. When a parent has failed to respond to an offer within the specified time; or
2. When a parent has failed to notify, or omits to provide the school with important changes to the application information or changes to that information eg: accurate home addresses
3. The admission authority offered the place on the basis of a fraudulent or intentionally misleading application from a parent.
4. A parent or carer does not agree/sign our Home/School Agreement


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San Francisco 49ers
49ers add five to coaching staff, including former QB O'Connell
The 49ers rounded out their coaching staff Friday and filled the hole left by inside linebackers coach Hardy Nickerson, who left after less than two months to become the University of Illinois' defensive coordinator. The new additions are:
* Dana Bible, 62, Senior Analyst.
Bible has been an offensive coordinator at Stanford and with the Philadelphia Eagles. He recently spent six seasons at N.C. State, finishing there in 2012 as the school's offensive coordinator/quarterbacks coach.
* Joe Bowden, 46, Inside Linebackers.
Bowden spent the previous four seasons as an assistant linebackers coach with the St. Louis Rams.
* Tem Lukabu, 34, Defensive Quality Control.
Before joining the 49ers, Lukabu spent one season as the linebackers coach at Florida International University and one year as the outside linebackers coach at his alma mater, Colgate University.
* Kevin O'Connell, 30, Special Projects.
The former Patriots quarterback draft pick -- third round in 2008 -- spent last season as the Browns quarterbacks coach.
* Vince Oghobaase, 29, Assistant Defensive Line.
He spent the previous three years as a defensive graduate assistant at Ohio State.
Matt Barrows: @mattbarrows, read more about the team at sacbee.com/sf49ers.