text:
Most of us who are avowed Christians are good at giving. Generous sharing of time, talent and resources is an attractive and endearing quality which we are taught to practice from when we are children. What some of us "good givers" are not always so skilled at doing is receiving graciously. It is easy for most of us to be the generous giver and offer to do a favor, run an errand, etc. It is not always so easy for us to accept the kindness of others. Being a good recipient is a mark of virtue -- the little virtue of graciousness. There are many people who are very generous but who are not gracious in the face of others' generosity. The little virtue of graciousness is an attractive virtue to cultivate.
In today's Gospel for the Solemnity of the Visitation (Feast for the Church, Solemnity for our Order) we have an example of a gracious recipient in the person of Elizabeth. Scholars and historians help us to imagine the enormity of the journey that Mary undertook after the Annunciation; a three day walk into the hill country of Judah to Ein Karim. Perhaps some of us, in Elizabeth's sandals, might have responded differently: "Mary, what on earth are you doing here?" or "Do you know how dangerous it was for you to travel here? You shouldn't have!" Instead, Elizabeth responds, "Who am I that the mother of my Lord should come to me? For at the moment the sound of your greeting reached my ears, the infant in my womb leaped for joy!" Elizabeth is the portrait of graciousness in her welcome to Mary. A lesson for all of us who seek to follow the Lord more closely. The next time someone offers to give us a ride, do a chore, pick up a check, let us remember that gracious gratitude is a virtuous way to meet the generosity of another.
Referring to the founding of our first Monastery -- but equally descriptive of the mystery for which it was named -- Saint Francis de Sales remarks:
"The spirit of the Visitation is one of humility towards God and gentleness and sweetness towards our neighbor."


text:
Riders should have their fare or "co-pay" ready to give the driver upon boarding the vehicle. The co-pay or boarding fare can be paid with paratransit tickets or cash. We ask that the exact fare is provided because our drivers do not provide change as their primary focus is passenger safety.
Paratransit tickets may be purchased in advance online or by mail. To purchase online, click here. Make your selection from a list of passes and proceed to the checkout area from there. Refer to the Fare Charts to identify which ticket amount is needed. If purchasing by mail, please send a check and a completed order form to: rabbittransit, 415 Zarfoss Drive, York, PA 17404. Order forms can be mailed to you or found here.

subset: commoncrawl


text:
Release Date: December 3, 2016
Price: $190
Where To Buy Online?
Buy on Nike.com – 10AM EST / December 3, 2016
Buy on Foot Locker – 10AM EST / December 3, 2016
Buy on Finish Line (refresh 7am PST) – 10AM EST / December 3, 2016
Buy on Eastbay – 10AM EST / December 3, 2016
Buy on Champs Sports – 10AM EST / December 3, 2016
Buy on Kixify – Available NOW
This December, Jordan Brand will be bringing back the beloved Air Jordan 9 Retro OG White Black True Red. If you're a fan of the 9s, this has to be considered a must-have in your collection.
The Air Jordan 9 Retro OG White Black True Red is classified as a Retro OG release for the simple fact that it will come with 'Nike Air' branding on it. While you may not be able to see it once you put the shoe on, real OG enthusiasts will appreciate the fact that it comes with Nike Air-branded insoles. Coming in a White, Black and Red colorway, the majority of the shoe is made out of leather to give the shoe its subtle aesthetic. Additional branding can be spotted on the heel, tongue and sole unit.
Release date is currently December 3rd. Retail price is $190. Stay tuned to Kicks On Fire for updates.
Latest News
Update (11/15/16): Official images have been released by Nike.
Update (11/10/16): Nike is now calling this colorway the Space Jams to correlate with the Air Jordan 11 Space that will also be returning this year.
Sneakers In 4K (2016 Version)
2010 Version
Solebox (12/2/16)
Titolo (12/2/16)
Lapstone & Hammer (12/1/16)
Solebox (12/1/16)
Yamaotoko (11/30/16)
gc911 (11/29/16)
Renarts (11/28/16)
sportclothes (11/27/16)
Sneaker Politics (11/26/16)
The Closet Inc. (11/23/16)
Nike (11/15/16)
Jimmy Jazz (11/12/16)
Nike (11/10/16)
Mysole (8/25/16)
Sneakerer (8/9/16)
Swish.Supply (7/30/16)
us11hustla (7/25/16)
ajsole_com (7/14/16)
iamchickenwop (7/9/16)
SHOP: Air Jordan 9 Space Jam
Author's Takes
Andres Carrillo, News: I wouldn't say I'm a fan of the Air Jordan 9 since I don't own any pairs, but I think this one of the better colorways in existence. You can't go wrong with a classic Chicago/Bulls colorway. I don't plan on picking up a pair unless I can get it for well below retail.


text:
Stop Thumb/Finger Sucking or Pacifier Sucking with Award Winning Thumbuddy To Love® products.
Dentist Recommended and Winner of the Mom's Choice Award and PTPA Award.
Dentist Recommended – Here is Why:
Getting children to stop at an early age is necessary and the American Dental Association recommends stopping thumb sucking and pacifier sucking early so to not affect the teeth, palate and jaw…and we've designed proven products to help you do so – in a fun and healthy way. And… research shows that kids learn best when it is fun, positive and playful!
Thumbuddy To Love™ for Thumb Suckers
Thumbuddy To Love™ is a positive teaching tool along with an illustrated story book, thumb puppet and success chart to help stop thumb sucking. The thumb puppet can be worn day or night and is a positive reminder of the importance to stop thumb or finger sucking. The book includes a calendar with stickers, so children get involved, marking off days they do not suck their thumb/fingers.
No bitter polishes, no shame or embarrassment! Thumbuddy To Love is easy to use and kids love it! Available for boys (Fireman Fred) and girls (Ballerina Sue).
The Binky Fairy for Pacifier Suckers
Thumbuddy To Love™ – The Binky Fairy
Help your child give up the pacifier with the Binky Fairy. The Binky Fairy comes with a children's illustrated story book and interactive Binky Fairy finger puppet and can help children survive the weaning period of giving up their pacifier. Similar to the Tooth Fairy, parents read the adorable story of The Binky Fairy the night before as children look forward to waking up to their Binky Fairy puppet knowing their Binkys were replaced to help other children. The Binky Fairy puppet comes with removable wings and children learn the story of how she became The Binky Fairy by helping children around the world give up their pacifier without the sadness or fuss. Each Binky Fairy comes with a hard back book and also comes with a success chart and stickers. Winner of the PTPA Awards
Thumbuddy To Love™ is endorsed by Dentists and Pediatricians. It is recommended for Ages 3-6 for the Thumb sucking books/products and ages 2-4 for the Binky Fairy.
Read some of our tips to stop thumbsucking.
Read our thumbsucking product comparison.
Excerpts from the Book
How to stop thumb sucking in a fun, positive and memorable way: If you want your child to stop thumb sucking, consider making it fun, positive and enjoyable. It is hard for kids to give up thumb sucking because it is so comforting and they probably have been doing it since they were babies. Rather than replace their thumb sucking with a plastic thumbguard or a bitter thumb sucking remedy such as bitter polish that kids despise, Get a Thumbuddy! Remember to never shame a child into stopping thumb sucking…It will only make them want to suck more! Introduce Thumbuddy To Love® to your child and they will want to break the habit. They will learn that growing up can be fun like the heroes in the Thumbuddy To Love™ books and by taking their matching thumb puppets everywhere including to bed. The fun sticker charts remind them that they can give up thumb sucking easily. Thumbsuckers love Thumbuddy to Love®!
How to stop pacifier sucking: Stop pacifier sucking with the Binky Fairy. Stopping binky or pacifier sucking is easy with Thumbuddy To Love®: The Binky Fairy. Parents now have any easy tool to help explain where the binky/pacifier goes. Children are comforted knowing their binkies are helping other babies in the hospital as the story goes. Just like the tooth fairy, the Binky Fairy comes in the middle of the night and replaces the pacifiers with an adorable Binky Fairy doll/puppet that is left under the pillow. By reading the Binky Fairy the night before, children are excited to know that the Binky Fairy is coming. Growing up and giving up pacifier sucking can be fun with the Binky Fairy!
Welcome to Thumbuddytolove.com® – we are innovators and creators of a thumb sucking tool to help children break the habit. Is your three year old child still sucking her thumb? Do you find your four year old boy sucking his pacifier while watching tv or at school? Shouldn't they have outgrown the habit long ago? If you answered 'yes' to any of these questions, you have come to the right site. While thumb sucking comes as natural habits in toddlers, it is a common practice that children use as a calming mechanism, and breaking the habit can be a challenging task for parents. It is said that young children also use thumb sucking to soothe and comfort themselves. Since thumb sucking is a relaxing practice to them, it often eases their minds and makes them fall asleep quicker and easier. It is a natural habit up until they are about two years old. But for some, outgrowing this habit is more challenging. Nevertheless, is there a point when parents should be concerned about thumb sucking? New studies show that too much pacifier sucking or thumb sucking after the age of two can interfere with the proper growth of the mouth and the alignment of the teeth. For distressed parents, how exactly can you stop that thumb sucking or pacifier sucking habit? You have come to the right site –Thumbuddy To Love® is your best remedy! The creators of this product believe that the best approach for breaking the thumb or pacifier sucking habit is to provide a positive learning tool while making the process fun for children. Our line of story books is complete with two different characters that cater to thumb sucking boys and girls. With the introduction of Thumbuddy To Love® to your child, you will impact their lives by breaking the habit. For the girls, we have Bellerina Sue and Fireman Fred for boys, each come with an illustrated hard back story book and matching thumb puppet. For those pacifier sucking babies, we have added our newest character, Binky Fairy®. This Binky Fairy® thumb puppet character comes with a hard back story book which is geared to help children let go of pacifier sucking gently. With your purchase of under twenty dollars for each puppet and story book, your child will learn that growing up and giving up thumb or pacifier sucking can be fun and memorable with these lovable characters. The best part about purchasing your Thumbuddy To Love® tool kit is that your child can use it anytime, anywhere, from car rides to bedtime. The books which are aimed for children three and older come with a weekly success calendar to keep track of your child's progress and stickers to play with. Our Thumbuddy To Love® product is an award winning thumb sucking remedy at the Mother's Choice Awards and comes highly recommended by Dentists. Read our product reviews and client testimonials on our site and follow our program so as to be a part of a thumb sucking, pacifier free club.
Stop Thumb and Pacifier Sucking with our Award Winning Puppet
"Thumbuddy To Love™ Finger Puppets are a great tool in encouraging children to give up thumbsucking in a playful and encouraging way."
"Thumbuddy To Love™by Andrea Van Ness is the first positive form of behavioral modification we have come across to encourage the end of thumb sucking."
"Love the Binky Fairy! What an educational product/book to let go of the Binky without all the fuss."
"The Thumbuddy book & puppet really worked. My child was excited about her new puppet and 2 weeks later she stopped! She got it!"
"My child loved the positive reinforcement and still sleeps with her Thumbuddy. She stopped in 1 week! Thanks again."
My son loves to read the Book and puts his stickers on for every day he does not suck his thumb. Love it! Great product!
Recipient of the
Mom's Choice Award
Thumbuddy is listed on
Andrea was…
January's Mompreneur of the Month
As Seen On:


text:
for Local Online Orders*
* Free local delivery is available for local online orders only. For orders being sent outside of our local delivery zone, a delivery fee based on the recipient's address will be calculated during checkout.×
Flowers $50 to $60
Graceland Florist has an extensive collection of floral arrangements to match every budget range. Our flowers are delivered at the peak of freshness. You'll find many of our most popular flower bouquets here, ready to brighten someone's day.


text:
mojito candle 260g
16% Eau de Toilette. Men + Women.
Paired Performance System - CM-600-09.
9oz. / 260g.
Free shipping on €75+ orders in Benelux/Germany.
Our mojito candle is synthesized with natural notes of fresh lime and mint to instantly uplift and arouse the senses and spirits. Enlivens, energizes and awakens any environment with the stimulation of fresh and cool. Inspired by the iconic mojito cocktail, the top notes are lime, mint leaves, and peppery basil, a heart of spearmint and chinese mint, with a base note of white musk. Remember to save the glasses for making mojitos!
select ingredients.
Top notes of lime, rum, mint leaves, peppery basil; middle notes of spearmint and chinese mint; base note of white musk.
Mojito candle performs on its own and is beautifully paired with dark rum candle, creating a unique mojito blend and perfect sensory balance of refreshing citrus and mint with the intoxicating notes of rum.
Each candle has approximately 60 hours of burn time. Do not burn more than 2 or 3 hours at a time. Keep clear of flammable materials.


text:
Silverlight Input Controls - Day 2 - Part 12
In this video, Bob takes you on a tour of the most popular Silverlight Input controls available for your Windows Phone 7 applications. He also shows you the important properties and events of each control. Controls include the PasswordBox, CheckBox, RadioButton, ListBox, and the ScrollViewer. Additionally, Bob makes the case for forcing yourself to write the XAML instead of relying on the Toolbox and Properties window as a means of helping you learn more about XAML and the controls.
Download the source code in c#
Download the source code in VB.Net
Right click to download this episode
- High Quality WMV (92.3 MB)
- Low Quality MP4 (95.3 MB)
- Mid Quality WMV (54.8 MB)
More episodes in this series
Day 2 Homework Assignment
The Discussion
when retrieving the listbox item is it not simpler to write the following?
string listBoxValue = myListBox.SelectedItem.ToString();
@james: it all depends what actually is in that list box. I could have a far more complex object in it than just a string. In this case, what you did will work
20:12 "...or we could have a switch statement just as easily." - How would one use a switch statement to determine which radio button in a group is selected?
@ChannelFennel... for Bobs example having only 2 radio buttons grouped would just be easier (like he did) to use if/else or even shorter syntax:
string radioButtonValue = (myRadioButton1.IsChecked == true) ? "Male" : "Female";(I think thats right, although im not an experienced programmer myself so someone may correct me if i'm wrong)
I for a second thought that a switch statement on a radio group would off been a piece off cake, but after playing with VS and trying to get it too work was actually more tricky than i thought. but if i was to have a number of selections that i started to play around with an array then came up with this.
RadioButton[] radio = new RadioButton[] { radioButton1, radioButton2, radioButton3, radioButton4 };
string result = ""; foreach(RadioButton value in radio) { if (value.IsChecked == true) { result = (string)value.Content; } }
Again I'm new to C# and been a PHP Developer for about 2 years. But that is probably the best option i can think off for a few selections in a radio group.
Sorry about the above formating... it actually looked normal as i type it on the comment box...
It's really a pain to actually understand some code parts with a video size so small.
Great tutorials though.
Very good! Thanks
Download the High quality videos, they are 720p and the code looks perfectly fine on it. Or you could just download the code from the links given below the video.
Jan 28, 2011 at 7:44 AM
It's really a pain to actually understand some code parts with a video size so small.Great tutorials though.
Yes, is there a way to get a better quality video stream? Even fullscreen I can only guess what he typed because I have past coding experience.
Jan 28, 2011 at 7:44 AM
It's really a pain to actually understand some code parts with a video size so small.Great tutorials though.
Yes, is there a way to get a better quality video stream? Even fullscreen I can only guess what he typed because I have past coding experience.
See the downloads to the right? I've only used the WMV download for the duration of this course.
Hi, I just want to note that this:
string lisboxValue = (string)(((ListBoxItem)myListBox.SelectedItem).Content);
will work the same as:
ListBoxItem lbi = (ListBoxItem)myListBox.SelectedItem;
string lisboxValue = (string)lbi.Content;
Thank you sooooooo much
Hi Guys,
I am having a pretty stupid problem, and i am breaking my head on why it doesnt work.
Its a simple thing i am sure, but it doesnt fit in my head for some reason.
I have 1 text block , 3 radio buttons and 1 button. all i want is to display current radio button selection/value in the textblock by pressing a button. here is my code so far.
<Grid x:Name="ContentPanel" Grid.Row="1" Margin="12,0,12,0"> <TextBlock Height="83" HorizontalAlignment="Left" Margin="26,69,0,0" Name="resultTextBlock" Text="TextBlock" VerticalAlignment="Top" Width="330" /> <RadioButton Content="X" Height="72" HorizontalAlignment="Left" Margin="12,166,0,0" Name="ciaRadioButton" VerticalAlignment="Top" IsChecked="True" /> <RadioButton Content="Y" Height="72" HorizontalAlignment="Left" Margin="12,244,0,0" Name="mi6RadioButton" VerticalAlignment="Top" IsChecked="False" /> <Button Content="Button" Height="72" HorizontalAlignment="Left" Margin="249,457,0,0" Name="button1" VerticalAlignment="Top" Width="160" /> <RadioButton Content="Z" Height="72" HorizontalAlignment="Left" Margin="9,322,0,0" Name="nsaRadioButton" VerticalAlignment="Top" IsChecked="False" /> </Grid>
code language="csharp"] private void button1_Click(object sender, RoutedEventArgs e)
string radioButtonValue;
if (RadioButton1.IsChecked == true)
radioButtonValue = "valueX";
resultTextBlock.Text = radioButtonValue;
else if (RadioButton2.IsChecked == true)
radioButtonValue = "valueY";
resultTextBlock.Text = radioButtonValue;
radioButtonValue = "valueZ";
resultTextBlock.Text = radioButtonValue;
I have tried havimg Radio buttons in one group, in separate groups, but without luck.
Is there anything obvious?? I might have been sitting infront of the pc for too long
Any help would be appreciated.
I wanna use combobox in my application. But there is no combo box control in toolbox. Is there any other way to use combobox in our application?
And I want one new window(i.e, Page1.xaml) to be opened after clicking on the button. How do i do that?
Can anyone tel me?


text:
JACKSONVILLE, Ala. (AP) Tarvin Gaines scored a game-high 28 points as Jacksonville State beat Austin Peay 81-74 Thursday night in an Ohio Valley Conference matchup.
Brian Williams scored 17 and Ronnie Boggs added 16 to help Jacksonville State (13-7, 5-4) snap a two-game losing streak.
Ahead 24-22 at the 6:07 mark in the first half, Jacksonville State closed out the period on a 13-4 run to take a 37-26 lead into halftime.
Austin Peay (5-16, 1-6) cut the lead to six, 47-41 with 11:38 remaining, but the Gamecocks responded with a 12-6 run, capped by Gaines' 3-pointer, making it 59-47 with 7:27 left.
Two free throws by Austin Peay's Corey Arentsen made it 73-68 with 53 seconds left, but Jacksonville State made two field goals and converted four straight free throws to seal the victory.
Chris Horton had 18 points and 10 rebounds for the Governors, who are still winless on the road.


text:
Silversmithing is usually considered one of the luxury trades, involving the manufacture of silver utensils of a wide variety. These include flatware (forks and spoons); knife handles (hollowware); bowls; tea, coffee, and chocolate pots; serving trays; tankards and cups; and many other accessories, including jewelry. Silversmithing in North Carolina developed more rapidly than in other southern colonies because importation to the colony was limited by the poor coastal harbors. The demand, although somewhat limited in the eighteenth century, increased steadily as the population of the colony grew. The large oceangoing ships from England could not easily trade with citizens of the colony, but smaller coastal schooners from New England and the middle colonies as well as the West Indies established a lucrative silver trade with the early settlers to eastern North Carolina. Silversmiths also were among the numerous settlers who followed the Great Wagon Road from southeastern Pennsylvania during the last half of the eighteenth century. As the century came to an end, silversmiths were working throughout the state in the more populated areas.
John Bivins and Forsyth Alexander, The Regional Arts of the Early South (1994).
George Barton Cutten, Silversmiths of North Carolina, 1696-1860 (1984).
North Carolina Museum of Art, Two Hundred Years of Visual Arts in North Carolina (1976).
Additional Resources:
Silversmiths of North Carolina, NC Historical Publicans, North Carolina Office of Archives & History: http://nc-historical-publications.stores.yahoo.net/siofnoca16.html
Society of American Silversmiths: http://www.silversmithing.com/workshop.htm
Image Credits:
"This engraved patchbox, ca. 1720, was used to hold small pieces of fabric that women used as fashion accessories. The maker is unknown." Image available from the NC Museum of History. Available from https://www.ncmuseumofhistory.org/silver/index.html#patchbox (accessed September 28, 2012).
"Spoon by John Vogler." Image available from the NC Museum of History. Available from https://www.ncmuseumofhistory.org/silver/index.html#patchbox (accessed September 28, 2012).
1 January 2006 | Lewis, Michael H.
I desired more information on
I desired more information on the process of silversmithing. Also, could you add a section about my accomplishments as a silversmith.
i need the exiting system in
i need the exiting system in silver bussiness
I am forwarding your query to
I am forwarding your query to our Reference staff: http://statelibrary.ncdcr.gov/contact.html
T. Mike Childs, NCpedia, N.C. Government & Heritage Library.
I would like to know if I
I would like to know if I could get a few business names and contact information for silversmith's that make jewelry. There is a ring I have a picture of and would like it to be made in silver if possible.
Thank you for posting your
Thank you for posting your question. Elizabeth Hayden in Reference Services at the Government & Heritage Library will be emailing you to follow up on your inquiry.
Good luck in your search!
Michelle Underhill, NC Goverment & Heritage Library
Add a comment
PLEASE NOTE: NCpedia will not publish personal contact information in comments, questions, or responses. If you would like a reply by email, please note thats some email servers are blocked from accepting messages from outside email servers or domains. These often include student email addresses from public school email accounts. If you prefer not to leave an email address, check back at your NCpedia comment for a reply. Please allow one business day for replies from NCpedia. Complete guidelines are available at http://ncpedia.org/comments.


text:
Some offices escape shutdown
The government shutdown is leaving federal agencies closed, national parks roped off, hundreds of thousands of federal employees out of work and museums in the dark.
But in some Senate offices, it's like nothing has changed.
Story Continued Below
At least nine senators haven't furloughed any of their staff, keeping a full office in place as their colleagues operate at skeletal levels.
The fully-staffed senators say they need to work on local catastrophes or help visiting World War II veterans. Some simply assume their staff will likely be paid retroactively as part of an eventual budget deal, so might as well have them work.
( POLITICO's full government shutdown coverage)
Unlike the executive branch, where the Office of Management and Budget issued specific rules about which workers are essential and which must be furloughed, each member of Congress can decide for themselves how many of their staffers continue to work during the shutdown.
So when given the option, Sens. Roy Blunt (R-Mo.), John Boozman (R-Ark.), Tom Coburn (R-Okla.), James Inhofe (R-Okla.), Tim Johnson (D-S.D.), Mark Kirk (R-Ill.), Carl Levin (D-Mich.), John Thune (R-S.D.) and Mark Udall (D-Colo.), decided to furlough no one.
Kirk said Thursday that he is keeping his entire staff in place in order to provide services to World War II veterans visiting Washington during the shutdown.
"It's because there are World War II guys that are coming in," Kirk said.
( PHOTOS: D.C. closes up shop)
Asked how many of his staffers it takes to handle constituent requests from World War II veterans, Kirk ended the conversation.
"I'm not a big fan of the president's feeling to, we gotta go, sorry," he said.
A Kirk aide later said he was offering only one example of the constituent service he is maintaining during the shutdown, and that while the entire staff is working, it is not entirely devoted to World War II veterans.
Levin said he kept his whole staff in place – as he did during the 1995 and 1996 shutdowns – because the likelihood is that they'll get paid anyway when a budget agreement is reached so they might as well work for it. His entire staff is essential, he said. If they weren't, they wouldn't be working for him.
( Also on POLITICO: Supreme Court will hear cases during shutdown)
"Last time it ended up that people were reimbursed, and so I figured, if that was the outcome last time, if that's the outcome this time then people will say, 'Wait a minute, if they're going to end up being paid anyway,'" then they should work, Levin said.
Boozman said Arkansans need more services from his office than normal because so many other federal workers are furloughed.
"We're in a situation where our constituents need us more than ever," Boozman said. "We're getting calls from people who are very concerned about their Social Security checks all of the ancillary stuff that is going on out there."
Udall's office said he kept his entire staff in place to help recovery from the floods that have ravaged the state in the last month.
"Sen. Udall is taking an all-hands-on-deck approach to helping Colorado flood victims and to ensuring that we're doing everything we can to help the state rebuild — even during a government shutdown," Udall spokesman Mike Saccone said.
Yet Udall's Colorado colleague, Sen. Michael Bennet, who is the chairman of the Senate Democrats' campaign committee, is working with just one-quarter of his staff, an aide said.
Udall is up for re-election in 2014, while Bennet will not face voters again until 2016.
There was no official guidance from either party's leadership or from the Rules Committee.
Coburn said he didn't consult with anyone before deciding he would keep his entire staff working.
"I didn't ask anybody else I did what I thought was right for me and Oklahoma," he said. "I make the decision myself, I know how to run an operation."
Thune said he kept his entire staff in place because he did not believe the shutdown would last very long.
"We were hopeful this would get resolved fairly quickly and it may not be now," Thune said. "We're still trying to do our best to make sure that we are fulfilling our responsibilities to the people of South Dakota. If this thing gets sustained and is carried on for a long period of time, were evaluating that, obviously."
Blunt opted against furloughs place because because his staff is responsible for "protecting his constituents' constitutional rights — including their right to petition the government for a redress of grievances," spokeswoman Amber Marchand said. "Senator Blunt believes each function of his office originates in the Constitution, so all staff is essential."


text:
Narrow Your Search
- IR Sensors(1)
- Niles Audio (1)
Home » Custom Installation » Accessories » Remote Control Extenders
Remote Control Extenders
An infrared (IR) remote control extender system enables you to control your IR remote controlled A/V equipment from a remote location. This enables you to place your A/V components out of sight (behind cabinet doors, in the rear of a room, or in a different room) and still conveniently operate your equipment.
Infrared extender systems are made up of three components: (1) IR Main System Unit, (2) IR Sensors/Keypads and (3) IR Flashers.
Brands | Specials | Service | Order Status | My Cart: 0 Items
| Checkout
Just Added to Your Shopping Cart
|Total Items in Cart:
Total: $0.00
|Continue Shopping


text:
Allison Robert over at WoWInsider. com recently did an article on how to gear a balance druid (Link). It's a good article that comes at the topic from a different angle then I did and I'm sure some people will find it more helpful then my gear guide. (I'm not just saying that because she linked by blog for a 3rd time. Woot!!!!)
I want to assure you that the ranty nature of this post is not directed at Allison in anyway. She has done a great job of covering moonkin recently and her job is definately harder and her posts are more closely scrutinized then mine. As a result she has to make some concessions to try and prevent backlash, but there is one comment in her post that sent me a little over the edge.
When talking about gems for the head slot she said:
Meta: [Chaotic Skyflare Diamond]. Some prefer the [Ember Skyflare Diamond], however.
Sure, some people say that the Ember Diamond is better, but they are wrong.
Wrong Wrong Wrong!
Wrong Wrong Wrong Wrong Wrong! I can't say they are wrong enough.
What Allison's post should have said was:
Meta: [Chaotic Skyflare Diamond]. Period!! End of Discussion!!!
Here is why.
In terms of DPS:
First off, I want to say I can understand some of the confusion. If we sat down and wrote a moonkin rule book one of them would surely be Spell Power > Crit Rating, and anyone that knows basic math knows that 25 > 21. So I can understand the confusion if someone only looked at the gems very quickly. The [Chaotic Skyflare Diamond] is a bit of an exception to the rule. However, if you focus on the 21 crit rating then your looking at the wrong part of the gem. It is the 3% Increased Critical Damage that makes this gem so valuable.
First lets look at what that 3% Increased Critical Damage really means. It's not as easy as you may think.
Your spells non-critical hits always hits the mob for 100% damage. Critical hits then increase the spells damage by 50% for a total of 150% without modifiers like talents or the meta gem. The meta gem increases the total damage of your critical strikes by 3%. So without any talent modifiers, the meta gem will cause your critical hits to hit for 154.5% (150 * 1.03 = 154.5) of your normal strikes. Then Vengeance increases the bonus portion of your Critical strike damage by 100%. The extra damage from the meta gem is concidered part of the bonus damage of the critical strike. So, with Vengeance and the meta gem your critical strikes will hit for 209% (54.5 * 2 + 100 = 209) of your normal damage.
So you may be asking how significant is this extra damage. In short, it's huge. Lets look at some numbers.
1. I'm going to use a fairly average moonkin. I would consider this person to be partially geared or fairly entry level. For my calculations I am using a moonkin with just 2000 Spell Power, 35% crit (38% for SF with Imp IS), and 17% haste fully raid buffed. I will aso assume that he his hit capped.
2. I am also going to assume that he uses this build. It is a fairly high level raiding build, but I don't think there are any reasonable changes that could significantly affect my results.
3. I'm only going to detail the math on Starfire since it is our primary spell but I have run the math on Wrath also, and will provide the results below.
4. I assume that Moonfire and Insect Swarm are on the boss when calculating the damage for Wrath and Starfire to take full advantage of Improved Insect Swarm.
So lets look lets look at the average damage of a normal Starfire spell cast.
SF Damage = ((((1120 + (SP * 1.2)) * 1.17) * 2) * Crit Rate) + (((1120 + (SP * 1.2)) * 1.17) * (1 - Crit Rate))With the Chaotic Skyflare Diamond the average damage of Starfire is:
SF Damage = ((((1120 + (2000 * 1.2)) * 1.17) * 2) * 0.38) + (((1120 + (2000 * 1.2)) * 1.17) * (1 - 0.38))
SF Damage = (8236.80 * 0.38) + (4118.40 * (1 - 0.38)) = 5683.392
SF Damage = ((((1120 + (SP * 1.2)) * 1.17) * 2.09) * Crit Rate) + (((1120 + (SP * 1.2)) * 1.17) * (1 - Crit Rate))
SF Damage = ((((1120 + (2000 * 1.2)) * 1.17) * 2.09) * 0.38) + (((1120 + (2000 * 1.2)) * 1.17) * (1 - 0.38))
SF Damage = (8607.456 * 0.38) + (4118.40 * (1 - 0.38)) = 5824.2413
So as you can see the Chaotic Skyflare Diamond increased the average damage of Starfire under these circumstances by 140.8493. Now, we all know that 1 spell power does not equal 1 damage. So, we need to find out how much damage 1 point of Spell Power provides. We can find that with the following equation.
Damage from SP = (((1 * 1.2) * 1.17) * (1 + Crit Rate)
Damage from SP = (((1 * 1.2) * 1.17) * (1 + 0.38) = 1.9375
Since 1 Spell Power is equivalent to 1.9375 damage and the extra crit damage increased the average Starfire Damage by 140.8493, then the extra crit damage is equivalent to 72.6957 Spell Power for Starfire (140.8493 / 1.9375 = 72.6957). I have also run the numbers for Wrath and the results are a little bit lower. For Wrath the extra crit damage is equivalent to 65.5716 Spell Power.
It is also important to remember that not all of our damage can crit, but after looking at WWS reports I find that leaste 80% of it can on average. So I think it is safe to say for the middle of the road moonkin that I have presented the extra crit from the Chaotic Skyflare Diamond is equivalent to 55.3068 Spell Power ( (((72.6957 + 65.5716) / 2) * 0.8) ).
The Ember Skyflare Diamond on the other hand has a static 25 Spell Power and an extra 2% Intellegence. The extra Intellegence will give you a little extra Spell Power and Crit Chance, but even for a well geared moonkin like me it is only and extra 3 spell Power and 7 Crit rating.
Simply put, I have run this comparison for several different gear levels. The only way I could make the Ember Skyflare Diamond equivalent to the Chaotic Skyflare Diamond in terms of damage was to use rediculously low stats of around 1300 Spell Power, 20% Crit and 11% haste.
In Terms of Mana:
The only real argument that the Ember Skyflare Diamaond has is mana. In fact, I will conceed that it is better in terms of mana returned, but the difference really isn't that big.
Lets take the hypothetical moonkin I used above and assume that he has 1000 intellegence fully raid buffed. This means the Ember Skyflare Diamond will give him an extra 20 Int. The most obvious impact is that this will increase Mp5 by 2 due to Dreamstate. It also increases your mana pool by 300 mana, which increases the amount of mana returned from Moonkin Form.
Note: I am going to ignore Replenishment for now because it is impossible to figure out what the impact of that will be. In fact, it could be negative because the extra Int may cause someone else to get Replenishment instead of you.
The extra 300 mana means that every time you crit you get an extra 6 mana back with a crit chance of 38% for SF this means you will get an average of 2.28 mana back per SF cast. The average cast time of SF for the hypothetical moonking is 2.4017 seconds ((3-(0.5*0.38))/(1+ 0.17) = 2.4017). This means the extra 300 mana is equivalent to 4.7466 Mp5 (2.28 * (5/2.4017) = 4.7466).
When you combine this with Dreamstate the Ember Skyflare Diamond is equivalent to 6.7466 Mp5. However, this isn't a pure advantage over the Chaotic Skyflare Diamond because the 21 Crit rating on it has some mana affects also.
The hypothetical moonkin with 1000 Int will have a mana pool of at leaste 17000. This means that every time he crits 340 mana is returned. The 21 Crit rating from the Chaotic Skyflare Diamond increases his Crit Chance by 0.4575%. This means that on average each spell cast will return 1.5555 mana more then without the Chaotic Skyflare Diamond (340 * 0.004575 = 1.5555). This is equivalent to 3.2384 Mp5 (1.5555* (5/2.4017) = 3.2384).
Now, we can clearly see that the Ember Skyflare Diamond does have an Mp5 advantage over the Chaotic Skyflare Diamond, but the difference is very small. Again I have run the numbers for several levels of gear, and the Ember Diamonds advantage is between 3 and 4 Mp5 for all realistic gear levels.
TL:DR version:
In terms of damage, the Chaotic Skyflare Diamond is clearly superior. For the middle of the road moonkin I've presented it provides more then twice the damage of the Ember Skyflare Diamond. On top of that it is significantly better for a well geared moonkin and will only improve more as we progress into Tier 8 and Tier 9 content.
In terms of mana the Ember Skyflare Diamond is Superior, but the advantage is small and will not help anyone with serious mana issues. Realisticly Mp5 is not a good stat for moonkin. A majority of raiding moonkin don't have big issues, and if they did they could get more Mp5 by resocketing normal gems or by changing their talents around a little bit. Simply put, the 3 - 4 Mp5 that the Ember Diamond provides is not worth the 30+ spell power loss.
Addition: There are other meta gems available then what I have listed. However, none of them are great for raiding. If you would like to look at them you can find a list here. Most are PvP focused and I wouldn't recommend any of them over the Chaotic Skyflare Diamond.


text:
The US has "kindly offered" to help Japan with the decommissioning of the Fukushima reactors and the problems with the ongoing leakages of radioactively contaminated water.
Is the US being the good Samaritan? Unfortunately not. Before the US will provide assistance, Japan has to sign the Convention on Supplementary Compensation for Nuclear Damage (CSC). This is an international treaty that supposedly provides an international regime on nuclear liability -- the who-should-pay-for-a-nuclear-accident issue.
But the real aim of the CSC, along with other international conventions on nuclear liability, is to protect the nuclear industry. It caps the total compensation available after a nuclear accident at a level much lower than the actual costs. The companies that supply nuclear reactors and other material are exempt, they don't have to pay anything if there is an accident. The operators of nuclear plants are the only ones accountable for paying damages but the CSC protects them too by not requiring them to have enough money or financial security to cover the costs of an accident.
From the beginning of the use of nuclear power 60 years ago, the nuclear industry has been protected from paying the full costs of its failures. Governments have created a system that protects the profits of companies while those who suffer from nuclear disasters end up paying the costs. The world's big reactor sellers, such as GE, Hitachi and Toshiba, pay nothing if there is a disaster at one of the reactors they sell.
Fukushima is a cruel example of this unfair practise. GE designed the Fukushima reactors and built them along with Hitachi and Toshiba. Yet these companies are not being held accountable to cover the costs of the mess their reactors created. It's taxpayers who end up bailing out the nuclear industry.
Even worse: the now nationalised Fukushima operator TEPCO just booked its first profits since the Fukushima disaster: $1.44 billion. At the same time, TEPCO has said it won't pay the costs for decontamination work in areas around the Fukushima plant that will likely exceed $30 billion. Sounds fishy to me…
The Japanese government's plan to break up TEPCO and take direct control of the Fukushima clean-up means that taxpayers once again would have to open their wallets. Even though TEPCO by law is required to cover all the costs of the decontamination, it simply refuses to pay and the Japanese government lets them get away with it.
And now the US is blackmailing Japan into signing the international treaty that protects American companies. "You need help to solve your radioactive water problems? We can help you! Please sign on the dotted line…"
The US is not offering help to Japan out of the kindness of its heart, but to give a lifeline to its dying nuclear business. The US has been pushing ratification of the CSC in other countries where they hope to expand their nuclear business, such as India, Canada, Korea.
Japan signing the CSC would have two important benefits for the US: 1. It would reduce the chances that GE can be sued for damages from the Fukushima accident, and 2. It could secure future business opportunities in Japan for American nuclear suppliers.
The nuclear sector is dying. To survive, it continues to evade responsibility for its failures. In my view, companies that are not willing to take responsibility for their actions should not get into (nuclear) business in the first place.
The liability system that protects the nuclear industry is flawed and must be fixed. It is well past time for that improvement. The change is simple: make the polluter pay. Companies that create the enormous risks of nuclear power must pay for their failures, not people who end up suffering from them.
Dr. Rianne Teule is a radiation expert with Greenpeace International.
(Unregistered) pkjn
Texas-sized toxic 'island' of Japan tsunami waste approaching US
5 November 2013 Voice of Russia
A huge chunk of toxic debris from...
Texas-sized toxic 'island' of Japan tsunami waste approaching US
5 November 2013 Voice of Russia
A huge chunk of toxic debris from Japan's 2011 tsunami is inevitably nearing the US West coast. Currently 1,700 miles away, between Hawaii and California, the "isle of junk" is worth million tons, while another million is still wandering in the Pacific.
Some of the debris may have already crossed the Pacific, as reports claim Japanese fishing vessels to have been washed up to Canadian shores as early as winter of 2011. In this case, the level of toxic junk already on the US beaches is probably high.
6 November, 2013 at 20:13
Flag abuse
To post a comment you need to be signed in.
(Unregistered) Marushka
have we forgotten that Japan passed a similar law as the US has to limit the liability of companies who have nukes? Tepco is protected by Japanese law...
have we forgotten that Japan passed a similar law as the US has to limit the liability of companies who have nukes? Tepco is protected by Japanese law.
the "Act of Compensation for Nuclear Damage" in 1961. The Japanese law says no matter how big the accident, the power companies can get away with paying 5 billion yen. (June 2011 lecture Dr. Hirokai Koide)
President of Japan Atomic... July 2012... about Japan's lack of knowing who even represents the task of Fukushima cleanup, decommission, and the many offers of many countries. http://www.jaif.or.jp/english/news_images/pdf/ENGNEWS02_1342517624P.pdf
and a review of NRC FOIA docs indicates that the U.S. - several agencies - made themselves available immediately.. USAID, State Dept brought food, and all manner of humanitarian aid, and under that umbrella teams of NRC staff for technical advice, and led the logistics for a while.. as Japanese govt nor Tepco stepped in... I haven't read far enough forward to find out when either Japanese govt or Tepco stepped up, but assistance included generators, fire trucks, hoses, tonnes of sand and boron... the list is long.
Does GE/Hitachi deserve being sued? I don't know. That can be sorted out by the courts or diplomacy, but we DO need to get on with recovery and stemming the tide of this catastrophe. Japan has had a long time to deliberate over who to choose - what countries advice to use, what corporation to use - including Japanese companies.
I would hope for more investigation that included these elements in the report. And interviewing key people before passing judgment.
7 November, 2013 at 9:28
Flag abuse
(Unregistered) Gien
Sign the petition for an international team to take over the decommissioning instead of Japan/TEPCO. We need transparency...this is a global issue, no...
Sign the petition for an international team to take over the decommissioning instead of Japan/TEPCO. We need transparency...this is a global issue, not a national one and every goverment of the world needs to be involved and send it's best scientists, engineers and environmentalists.
9 November, 2013 at 17:08
Flag abuse
(Unregistered) codykodes
Please sign my petition and spread the word on your social accounts please! Let's get to 100,000 by Dec 8th and create some information to the gen...
Please sign my petition and spread the word on your social accounts please! Let's get to 100,000 by Dec 8th and create some information to the general public about why this situation is so important!
Thanks for your time!!!
12 November, 2013 at 0:53
Flag abuse
(Unregistered) Portland, OR
How about some insurance?
The reactors at Fukushima were a disaster waiting to happen. The fuel technology is antiquated, they were usin...
How about some insurance?
The reactors at Fukushima were a disaster waiting to happen. The fuel technology is antiquated, they were using fuel rods instead of the newer and more safe method of pellets. This is like using an entire tank of gasoline to start a bonfire, wouldn't it be smarter to throw on one small cup at a time?
So now they have their water pumps back on and they are simply keeping the reactors cool enough to wait for the rods to complete their cycle. Meanwhile, they are making dirty water and the cost is going up by the day.
It's going to cost $30 billion to clean up the nuclear incident at Fukushima? Tepco only has $1.44 billion in profits? Forcing them to pay for it is not a sound argument because they simply don't have the financial horsepower to do anything about it.
I have to pay insurance every month in order to drive a car. This is because it is known that motor vehicles are a dangerous tool, and it has been proven that insurance is necessary in order to pay for all of the costs of an unexpected injury to people or property.
So why wouldn't we expect nuclear power plants to buy a $30 billion insurance policy?
It makes sense that the international community should chip in together and pay for this because the nuclear incident in Fukushima is a world problem. Japan should be honored to sign anything that allows foreign aid even if it caps liability. Japan made the choice to employ nuclear energy in their country, and they own most of the responsibility.
I think the nations should come together and make a new insurance system for the nuclear energy industry. Any power generating facility that is operating with a system that is more likely to fail would have to pay a higher premium - and that would ultimately help drive safety in the industry because no one wants to pay more than they have to.
Starting today, Japan should sign the paperwork.
Starting tomorrow let's put together an international insurance policy that will mature to $30 billion as quickly as possible.
I remember watching the media coverage everyday when the Fukushima accident happened. One day the coverage simply stopped - and it has been quiet ever since. Japan doesn't have all the resources they need to deal with the problem effectively - so they are going to hide the problem just like the US and the rest of the international community.
So how about that insurance?
18 June, 2014 at 9:45
Flag abuse
It looks like smart people have already figured out the insurance deal.
It looks like smart people have already figured out the insurance deal.
18 June, 2014 at 19:51
Flag abuse
1 - 6 of 6 results.
Are you sure to remove this comment?
Are you sure to report this comment as abuse?


text:
I'm planning a weekend in Belfast with 3 friends around mid-October. The only things we planned for now are the Crusaders-Ballymena footall game on the saturady afternoon (yeah, we're kinda soccer freaks), and of course the murals.
We are interested in museums, historic places, good pubs, good live music places. We are not much into churches and religious places.
What else would be a "must-see" in Belfast during that short trip?


text:
WE ARE EXPERIENCING SOME TECHNICAL DIFFICULTIES WITH OUR PHONE LINES. TO GET IN TOUCH WITH US IN THE MEANTIME, PLEASE EMAIL [email protected] OR CALL WATCH SALES ON 07708 899 362 OR HANDBAG SALES ON 07854 287 828. THANK YOU FOR YOUR KIND ASSISTANCE!
Collect your purchase in person at our beautiful 17th century showroom in the Hertfordshire countryside.More Details
We have so much confidence in the quality of our items that we offer a 30-day returns policy, so should you not be 100% happy with your purchase, simply return it to us for a no-quibble refund.More Details
Every watch we sell is meticulously inspected by our accredited watchmakers and is backed up with our 24 Months Warranty for your peace of mind.More Details
All items are rigorously checked for authenticity by our team of in-house experts. We will never offer any item we are not completely 100% confident in.More Details
We offer 0% finance options on thousands of items to UK customers through our partner finance provider Klarna.More Details
Please check whether your email address and password are correct. If you don't remember your password, just click on the 'Forgotten password?' link to reset it. Please note that after 5 failed attempts your account will be blocked for safety reasons. If you need help, please call us on +44 (0)1279 704 142.


text:
What better way to enjoy a hot cup of tea when you get home from a long surf. Fun loving beach bums will appreciate this cheeky time saving item. Now you can be self indulgent and not take yourself too seriously, all at the same time. Fill the infuser with loose tea and let the shark in the hot water until the desired brew strength has been achieved.
90-Days Return Policy
If after 90 days, you do not love your product, you can return it and receive a full refund, no questions asked.
Items on sales will be refunded at sales price.
We ship worldwide for a $5 flat price
Registered air mail can take up to 45 days to arrive, so be aware of this when ordering.
Delays can be caused by customs, so please also take that in consideration when ordering.
Taxes and duties could be required to pay on arrival, depending on the order and location.
You can request a tracking number by email us at email@example.com
Signature on packages could be mandatory.
Orders above $50 have free shipping
Your price will be automatically adjusted at checkout.
Shipping Rates (US$)
International Registered Air Mail*
(Est. 7 - 31 days)
Processing time: In-stock orders generally ship within 3-4 business days.
Please note that refunds can only be given on the same credit card that you purchased from.
We offer a $5 coupon code for people who sign up to our newsletter. Click here to be redirected to the sign up form (at the bottom of this page).
Note: Minimum order is $10 for the $5 discount code to apply.


text:
FINRA Email Archiving Requirements
Email archiving is a common requirement for many different types of industries. When it comes to broker dealer compliance, FINRA is the regulator for this particular financial industry. And the email archiving requirements that FINRA has in place are very specific. Let's look at some of the FINRA record retention rules in detail:
FINRA 3010 – Supervision of Sales Activities. This rule requires firms to maintain a system to supervise correspondence and transactions with their users. Included in this system are written procedures and the review of outgoing and incoming electronic correspondence on a regular basis.
FINRA 3110 – Books & Records. This rule requires members of firms to make and preserve accounts, records, memoranda, books and correspondence in conformity with all applicable regulations, statements, and rules under SEC 17a-3. Also, the record keeping medium, retention period and format must company with Rule 17a-4 under the Securities Exchange Act of 1934.
SEC 17a-4 – Electronic Storage of Broker-Dealer Records. According to SEC 17a-4, broker-dealers must store required records in a non-rewriteable and non-erasable format. Therefore, the storage system used must be a system that prevents alteration or erasure of records for defined retention periods. WORM optical media (write once, read many) is commonly used in compliance with SEC 17a-4 and related regulation.
As you can see, FINRA record retention rules for email archiving are quite strict. In the end, it's best for the member firm and regulator to have these records available.
On-Site or Hosted (Cloud) Email Archiving?
As the trend of companies utilizing hosted solutions (most popularly known as programs in the "cloud") continues to grow, the inevitable question arises for IT admins: on-site or hosted?
The number of email archiving vendors for both on-site and cloud solutions are numerous. There are a few things to consider when weighing one option against another:
- Control of your data. An on-site solution means that your data is in the same building as you. Sitting on a server that you can physically touch, log into, etc. Hosted vendors, on the other hand, are in control of your data. It is stored on their systems. This means if there's a problem, it's up to the hosted vendor to solve it.
- Scalability. Are you ready to upgrade/purchase more hardware/go through the headache of tearing down and installing new hardware every couple of years? Hosted vendors do this for you and is a seamless process.
- Price. Ultimately, it comes to the price. Is it more affordable to host your email server in-house or to have a cloud vendor handle it for you?
Without Compliance: Is Email Archiving Worth It?
For companies regulated by the SEC and FINRA, email archiving is not only worth it – it's required. Many regulations require the retention of electronic messages. Companies like Smarsh offer email archiving for regulatory compliance that is aimed at companies that must adhere to strict retention policies.
But is email archiving worth it for companies that aren't regulated by FINRA and the SEC?
Here are a few reasons why:
- If confronted with a subpoena or summons to court, you will be able to easily produce any data that is required by a judge. This can be a lifesaver and allow you to get your data in a matter of hours instead of weeks.
- Email archiving offers something called "stubbing" that essentially allows for easier retrieval of messages and less stress on a server. Many different email archiving companies offer great prices for a lot of even unlimited storage.
- If you end up working with a vendor "in the cloud" or that offers software-as-a-service solutions (which is essentially the same thing), you don't need to perform any maintenance on hardware. This means: no updates, no chance of making an error and losing your data, etc. It offers peace of mind.
- A record of data. At it's essence, email provides a lasting history of communication within a company. If that information is stored securely with a long retention period, you can pull an email from any time!
Email Archiving for Financial Regulatory Compliance?
When looking at email archiving for financial regulatory compliance, you need to look a little deeper than just storage and retrieval. Here are some features to look for to make sure you are compliant with the latest laws and regulations:
– You are probably aware of the storage requirements by SEC 17a-4, but what about an auditing system in place? With the email archiving solution you have in place, is there an auditing trail set up to prove that random searches have been made?
– SEC 17a-4 also requires a third-party downloader to be able to produce the records on your behalf if you are unable or unwilling to do so. Some email archiving companies will not be your third-party downloader, leaving you high and dry if FINRA auditors come knockin' and you aren't home.
– Archiving makes sense for incoming mail, but what about outgoing messages? NASD 3010 requires that supervisors have the ability to review outgoing email messages for noncompliant language.
There are many companies out there that do offer email archiving service. But the question is: is your company regulated by FINRA, the SEC or a government agency? Is your current email archiving solution compliant with their regulations? When evaluating your current (or future) email archiving vendor, be sure to ask the right questions.
Which Is Better For Your Company – Webmail or Hosted?
Most small to medium sized business are using either an email host or webmail(comparison of webmail providers) for their email. From the outside, they both appear the same. Hosted email is accessed through a web interface or browser over the internet and for all intents and purposes looks just like webmail. Webmail is accessed via a web browser, is hosted in the cloud and looks and feels just like a hosted email service, so what's the difference?
The majority of small to medium businesses simply don't have the resources necessary to support a dedicated IT infrastructure. Even though email is an essential communications tool, it demands a lot in order for it to work, which is why email hosting and webmail are so popular.
Email hosting is built around the cloud computing model. It has all the technology that an in-house solution would, without the maintenance overheads and huge investment. Most email providers will still use Exchange server, and provide an Outlook client for customers to use. From a users perspective, there is no difference to the experience than if the servers were hosted in the next room instead of miles away in a hosted environment. From a business perspective, the provider has the overhead of the infrastructure, support teams, network and everything else involved in running such an enterprise. They own the equipment and the customer licenses the use of it from them, mostly on a per seat basis. Essentially the service the business receives is exactly the same as if they hosted it themselves, at a fraction of the price.
Webmail uses exactly the same technology, and most often infrastructure, but options can be limited by the medium. This email hosting option is accessed through a web browser and is available from anywhere at any time. Webmail options like Hotmail or Gmail offer a lot of functionality for no money, but they don't project a professional image when used in business. The prevalence of spam that originates from these email addresses has lessened their value significantly in any commercial enterprise. Therefore there is a compromise if a small business wants to use a webmail solution for their mail.
Email hosting(list of providers at DMOZ) offers more in the way of security, sophistication and email backups, at a cost. Webmail is most often free, available anytime, anywhere but at the cost of functionality and image. If a business uses features like calendar or contact sharing, collaboration or other tools then webmail is going to fall short. If the needs are more modest, and brand image isn't the most important thing then webmail is ideal. However, image is everything in business. Even if the company is a sole trader operating out of their spare room, they must project the image of a smooth running, professional outfit, and webmail doesn't do that. For the relatively low cost of using email hosting, the difference in appearance it offers is worth every cent.
HIPAA Email Rules and You
The Health Insurance Portability Accountability Act (more info) was one of the most high profile laws to ever see the light of day in the United States. Originally passed in 1996 with a view to protecting the medical records, or Personal Health Information (PHI) of the general public from unauthorized access. One of the most important parts of act was the HIPAA email rules, which specified several steps organizations needed to take in order to be able to transfer patient records via email.
For the purposes of the legislation all medical records are referred to as the aforementioned Personal Health Information or PHI for short. There are a significant amount of policies and rules regarding how PHI is used, transmitted and stored. PHI information can include such things as test results, lab results, doctors notes, billing information or health insurance documents to name a few. The HIPAA email rules address the transmission of these kinds of records, who they can be sent to, how they are sent and how the information is dealt with afterwards.
There is still quite a bit of confusion about what HIPAA entails even almost 15 years after first being enacted. This confusion has led to a sometimes overly cautious attitude towards patient records with providers taking extraordinary measures to ensure they don't fall foul of the law. Considering the idea was to secure data and allow for the free and fast transmission between permissible organizations, HIPAA email rules often slows down the sharing of these records. Companies know there are significant penalties for failure to comply, and can take a long time to share the data.
In some respects, HIPAA works reasonably well. It protects patient information, yet stays out the way during urgent situations, such as if a patient needs a relative to collect a prescription, or when a school needs to access a child's vaccination records. It also allows law enforcement to access the data in relation to investigations and assistance it provides during the lifetime of the patient.
On the other hand, it does create quite an administrative overhead for doctors, hospitals and insurance. Not only does the information have to be handled delicately and be kept secure. Under the HIPAA email rules, keeping records, storing emails and how they are shared is complicated and takes a lot of administering. It isn't just about the people handling the data, it's about the infrastructure, the networks and the systems involved in its transmission. Email containing PHI has to be encrypted, protected, indexed, stored securely and be able to be retrieved at a moment's notice.
Make no mistake about it, overall the HIPAA is a good thing. Like many laws, it is overcomplicated and needs a very highly skilled lawyer to understand it completely. It throws up as many challenges as it seeks to address, is cumbersome in its enforcement and expensive to comply with. Despite this, it does go a long way to protecting patient confidentiality and all of our medical records.image credit: smarsh
Compliance now means more than just email archiving for financial institutions
The landscape for SEC and FINRA compliance has changed.
Financial firms have been under the scrutiny of FINRA and the SEC for quite some time. Email archiving was born from the necessity of compliance with laws like the Federal Rules of Civil Procedure, SEC's 17a-4 and FINRA's Rule 3010, among others. The use of archiving over backup tapes provides flexibility, advantages that are not related to just being compliant, as well as an overall cost benefit in many cases.
This blog is looking more towards the future instead of at the past. And the future is social networking.
FINRA has recognized this and recently announced Regulatory Notice 10-06, guidance on blogs and social networking websites. As the use and integration of social media evolves, FINRA no doubt noticed that investment advisors and others were using social media to market their services. The problem is that there are certain considerations that need to be made for marketing messages; and this is where FINRA 10-06 is relevant.
Some of the highlights of FINRA Regulatory Notice 10-06:
- Rules apply to firms and personnel using sites for business purposes (not where the site is accessed, but defined by the content of the message).
- Social media websites have interactive and static content. Why is this distinction important? Because static content must be pre-approved by a principal; static content includes wall posts on Facebook and profile information.
- FINRA is prepared to bring disciplinary action for violation of rules and securities laws.
So while having an email archiving solution in place is important, the swiftness of integrating social media archiving into your company's policy is vital. Having a system of monitoring and archiving social media in the case of pending litigation is also important, as a recent lawsuit over a LinkedIn message proves.
No matter what type of policy you have in place for social media at the workplace, the ability to capture messages (that you may not even think are occurring!) can be beneficial for litigation (as seen above) or for compliance with FINRA Regulatory Notice 10-06.


text:
Establish a School Wildlife Resource Center
A Wildlife Resource Center (WRC) should be established within the school. This should house curricular materials, field manuals, maintenance equipment, lab equipment, texts, references, etc. The following is a list of books and materials that might be included in your WRC. In order to acquire Project WILD, Project Learning Tree, Project WET, and Leopold Education Project curricular materials you must contact Kansas Association for Environmental Education. These are outstanding experiences and we highly recommend that you participate in them.
Magnifying glasses, binoculars, microscopes, cameras, butterfly nets, dip nets, water analysis kits, sweep nets, soil analysis kits, string and stakes for transects.
Curriculum Materials:
- Nature's Notebook, WES KDWPT
- Lower Primary Teacher's Guide, WES KDWPT
- Upper Primary Teacher's Guide, WES KDWPT
- Wildlife Reference Center Catalog, WES KDWPT (Update 2002)
- Something WILD - Animal Resource Booklet with Illustrations.
- Project WILD
- Project WILD Aquatic
- Project Learning Tree
Most of these resource materials are free, but you must participate in a workshop to receive the Project Wild guides.


text:
Inclusive study of Global Hydrogen Chloride Market, focusing on product developments, consumption tendencies, key trends, and growth prospects.
The Global Hydrogen Chloride Market research report covers expansive evaluations of the global Hydrogen Chloride industry considering technological advancements, key trends, consumption tendencies, sales approaches, and growth prospects of the market. The report appears to be an irreplaceable knowledge source for Hydrogen Chloride business owners, company officials, investors, and researchers as it provides a thorough review of current and futuristic market performance.
Compendium analysis of the global Hydrogen Chloride market:
The global Hydrogen Chloride market has been reporting substantial revenue from the last decade which is expected to reach higher by 2024. A trail of growth rates exhibited by the market was also commendable and anticipated to escalate in the near future. A number of factors including rising Hydrogen Chloride demand, increasing disposable income, purchasing tendencies, financial stability, and stable market structure are causing to boost the market significantly.
Sample Global Hydrogen Chloride Market Report 2019
Comprehensive assessment of leading participants in the market:
- Yuanhua Chemical
- Wanhua Chemical
- Air Products
- Praxair
- Air Liquide
- Axiall
- Longsheng Group
- Linde Industrial Gas
- Niacet
- Alexander Chemical
- Linde Gas
- Shandong Xinlong Group
- Juhua Group
The market is being dominated by various multinational Hydrogen Chloride manufacturers/companies that are serving the overall demand across the globe. The companies are striving to deliver a better product to their customer base as efforts to strengthen their existence in the market at both national and international levels. Businesses have been pursuing the adoption of the latest technologies, strategies, and effective manufacturing process to pose robust challenges for their rivals.
The report sheds light on valuable assessments based on their revenue model, gross margin, growth rates, production costs, capital investments, cash flow, pricing structure, and revenue outcomes to offer the acumen of competitors' financial strengths and capabilities. it also elaborates on their business planning, including business expansions, product launches, promotional activities, and brand developments.
Sample Global Hydrogen Chloride Market Report 2019
Extensive understanding of crucial segments of the global Hydrogen Chloride market:
- Semiconductor Industry
- Chemical Industry
- Textile
- Food Processing
- Pharmaceuticals
Hydrogen Chloride types, regions, applications, technologies, and end-users are the leading segments of the market that has been alluring a significant share of the market. The report explores each market segment alongside its market demand, sales and production volume, market trends, and end-users' consumptions. The analysis provides clients with a thorough evaluation that assists them in selecting appropriate segments for their business.
Insights Underscored in the Global Hydrogen Chloride Market Report:
- Analysis of the overall market structure including scope and market potential.
- Investigation of leading trends in the global Hydrogen Chloride market.
- Evaluation of the market dynamics, growth drivers, restraints, and other influential factors.
- Precise study and prediction of market size, share, revenue, sales volume, and growth rate.
- Acute assessment of major Hydrogen Chloride manufacturers' alongside detailed profiles.
- Valuable market consuls to operate the business to gain the highest market share.
You can ask for customization for the Hydrogen Chloride market at firstname.lastname@example.com.


text:
The types of cookies we use, and the way we use them, are explained in our Privacy Policy.
By clicking "Accept" or continuing to use our site, you agree to our use of Cookies.
More information
Brampton Real EstateCastlemore - Homes Sold
Following list shows all the freehold homes SOLD (36 homes) during December 2010 in the Castlemore area (between Hwy#50 & Airport Road). The list is sorted by the street names, shows main features of the homes, its location and the SOLD PRICE as a percentage (%) of the Listing Price.
For more information on property value & for Free Home Evaluation (WITH NO OBLIGATION) please contact Jay at 416-420-1622 or email email@example.com
To view Page 2 Click here
To view Page 2 Click here


text:
I still do!
I still do!
I check it nearly every day, but I rarely log in.
There are more things in heaven and earth, Horatio,
Than are dreamt of in your philosophy
I'm still checking in. I look forward to hearing more about what's coming down this summer!
I come back regularly, primarily for tour dates. Fingers crossed for another summer of shows in the northeast!
"I don't think that he should take The Strain"
Me, too! Where else can I get news?!
i do once in a while, too quite, not like it use to
I'm glad to be back .....yes northeast dates would be wonderful
"Even the judges kneel and pray "
I just did today for the first time in a long time. Glad it is still up!
same here, it's gotten to be a lonely place
I check at least twice a week but hardly if ever find anything to reply to or post upon...
"I knew a transsexual guy whose only ambition was to eat, drink, and be Mary." ~ George Carlin.
About once a month - but so little news


text:
Replacing a roof is among the largest one-time expenses anyone who owns a house can expect to face, but did you know that most South Carolina residents can get a state grant for up to $5,000 toward the cost?
Don't need a new roof? The grants also can be used for upgrading exterior doors, installing hurricane-rated shutters, reinforcing roof framing and reinforcing roof-to-wall connections.
The state program, SC Safe Home, is meant to encourage people to retrofit their homes to make them more resistant to hurricane damage. Created in 2007 in a package of insurance-related reforms, it's funded by 1 percent of the money the state collects each year from a tax on insurance premiums, plus the tax on Wind Pool policies, which together add up to about $2 million annually.
The grants can't be used for new construction or repairs, but replacing a worn-out roof counts as a retrofit job, so long as the new roof meets standards for hurricane-resistance.
At this point, you may wonder, what's the catch?
There isn't one that I can find - in fact, this gets even better when paired with existing state tax credits, and a likely reduction in homeowner's insurance premiums as well. There are, however, some rules.
The grants are for owner-occupied single-family homes with a taxable value of $300,000 or less. If you think your home is worth too much to qualify, check it out. The $300,000 cap is for the building only, not counting the land, and the value is the market value used to calculate your property taxes, which is probably lower than what you think the home is worth.
The home must be adequately insured.
The home must be located in Horry, Georgetown, Berkeley, Charleston, Colleton, Beaufort, Jasper, Dorchester, Williamsburg, or certain portions of Florence and Marion counties.
To get a grant, you first have to hire a certified wind inspector, and pay them up to $150 to complete a report on your house. The state has a list of inspectors in different areas at scsafehome.com, and that's the website with all the details about these grants.
Next, you file the paperwork completed by the inspector and apply, and you wait. Due to processing time and limited funding, the current wait for grant approval is eight to 10 months.
Once approved, you'll have six months to complete the work. The state will send the grant to the contractor and you'll pay the rest.
Grants can either be a one-to-one matching grant, up to $5,000, or an outright grant for people with homes worth less than $150,000, who earn less than 80 percent of the median income for their county. For example, a family of three earning $44,150 or less in Berkeley, Charleston or Dorchester County would qualify for a nonmatching grant if their home is worth $150,000 or less.
For those who qualify, this is a pretty great incentive. I know several people who received grants that paid half the cost of replacing their roofs (and making their homes more hurricane-resistant), and I filed my application this past week.
The grants are a big incentive, but tax credits make this even better - and the tax credits are available to people regardless of what their homes are worth.
South Carolina has two tax credits that are claimed on the same state income tax form, the Residential Retrofit Credit (form TC-43). Those credits will essentially rebate up to $1,000 of your expense for retrofitting your house, and rebate the sale tax paid for materials.
The retrofit work must be work that would qualify as a Safe Home project, even if you don't get a Safe Home grant. For example, a new roof would have hurricane-resistant shingles, a water barrier, and the decking would likely be renailed. Details are on the Safe Home website.
So let's break it down.
If you own a modest, one-story home and don't make too much money, the state grant might cover the entire cost of replacing your roof.
If you're in the matching grant category, the Safe Home grant plus the retrofit tax credits could reduce the cost of a $10,000 roof job to less than $4,000. That's a $5,000 grant, a $1,000 tax credit, plus about $300 in rebated sales tax.
I've focused on roofs in my examples because everyone who owns a house will have to replace a roof at some point. The grants also can be used for upgrading windows and doors, but only if you're upgrading all of them (because the goal is to improve hurricane resistance). Windows must be impact-resistant, or protected by hurricane shutters, in order to qualify for grant funding.
The grants can also be used to pay for tie-downs for a manufactured home, but the grants won't pay for roofs, windows or doors on a manufactured (mobile) home.
For more information visit scsafehome.com or contact the SC Department of Insurance at 803-737-6087, or by email at firstname.lastname@example.com.


text:
Defensive Publications are a method for the open source community to prevent the issuance of low quality software patents. These publications serve as evidence to disclose to the examiner what is new and innovative within the technology. Through Linux Defenders, developers collaborate with our team to ensure that these publications are effective in protecting the freedom to create, invent and operate.
|Publication Date
|February 19, 2014
RELIABLE, SCALABLE, AND HIGH-PERFORMANCE DISTRIBUTED STORAGE: Distributed Object Storage
Distributed object storage architecture leverages device intelligence to provide a reliable and scalable storage abstraction with minimal oversight.
|RADOS cluster map data distribution object storage devices


text:
La Grange
Learn more about La Grange
The Village of La Grange is a fun and community-oriented area. With a wide array of dining, shopping, and entertainment located in a vivacious downtown area, the La Grange community offers the best of both suburban and urban living. La Grange boasts many gorgeous homes, ample green spaces, and a historic feel. Regarded as one of the city's most charming suburbs, residents appreciate the area's sense of community, recognized downtown hub, and many amenities. Click here for more
Population (2000):
15,608 people
5,624 households
4,049 families
7.9% of households had children under the age of 18 living with them
60.3% of households were married couples living together
9.2% of households had a female householder with no husband present
28.0% of households were non-families
24.5% of households were made up of individuals
9.7% of households had someone living alone who was 65 years of age or older
The average household size was 2.67 and the average family size was 3.23.
The median income for a household in the village was $80,342 and the median income for a family was $95,554. About 3.2% of families and 4.0% of the population were below the poverty line, including 4.3% of those under age 18 and 4.4% of those aged 65 or over.
La Grange became a popular settling area in the 1830s among Chicago residents escaping the booming city. The village was founded in the 1870s by businessman Franklin Dwight Cossitt who looked to build the ideal suburban village. After the Great Chicago Fire in 1871, La Grange saw a large population increase from the thousands of residents looking to leave the city but still maintain an easy commute.
Real Estate
La Grange has a wonderful variety of housing stock. A few homes in town were designed by Frank Lloyd Wright, and much of the village's early history is preserved in its many restored Victorian, Queen Anne, Vernacular and Prairie style homes. The La Grange area has also been complimented by many new construction homes built in the last several years.
There are two METRA train stations in La Grange, offering service between the southwest suburbs from Aurora to Chicago.
La Grange is just minutes from I-290, I-55 and I-294 with more than 1,000 parking spaces convenient for commuters and shoppers. The town is also served by the METRA.
LaGrange Elementary Schools – District 102
Cossitt Avenue
Ogden Avenue
Forest Road
Congress Park
Park Junior High
Congress Park
LaGrange Elementary Schools – District 105
Seventh Avenue Elementary School
Spring Avenue Elementary School
Gurrie Middle School
Hodgkins Elementary School
Ideal Elementary School
Private Schools
Montessori Creative World School
St. Cletus School
St. Francis Xavier School
St. John's Lutheran School
LaGrange High Schools
Lyons Township High School
Home to more than 600 businesses, LaGrange enjoys a vibrant downtown business district made up of more than 300 shops. In addition to shopping and restaurants, visitors can enjoy a movie at the village old-fashioned movie theater.
Chequers of LaGrange, 1200 W. Burlington Ave, (708) 482-9570
Located in downtown LaGrange, Chequers is a Gastropub serving traditional English fare with a large selection of beers and a fine list of wines. Weather permitting, visitors can dine outside next to the fireplace.
Thipi Thai Restaurant & Lounge, 25 W. Calendar Court, (708) 588-1002
Thipi Thai Restaurant offers a menu of Thai foods for lunch and dinner.
Al's Char-House, 32 S. La Grange Rd, (708) 354-6255
Al's Char-House provides a menu of various steaks, ribs, seafood and specialty drinks. The restaurant is family-friendly and is available for private parties.
LaGrange is also famous for its many community events sponsored by the LaGrange Business Association, including art fairs, carnivals and farmer's markets.
The LaGrange Pet Parade is a summer event that features the annual pet parade and family carnival.
Rocktoberfest is the town's own Oktoberfest celebration. An event for children and adults, visitors can see a number of rock bands and enjoy Oktoberfest food and drink.
Businesses open their doors and the town erupts in seasonal events during the annual LaGrange "Hometown Holiday" Holiday Walk.
Area Highlights
A quick view of the most influential metrics in La Grange.
Properties in La Grange
View our selection of available properties in the La Grange area.
Inside La Grange
Check out the latest demographic information available for La Grange.
VS National AVG
VS National AVG
VS National AVG
VS NAtional AVG
VS National AVG
La Grange Schools
Learn more about schools near La Grange complete with ratings and contact information.
The Best in La Grange
Browse through the top rated businesses in the most popular categories La Grange has to offer.


text:
Help share the air
Dear Editor:
National Air Quality Awareness Week is May 2-6. The city of Aspen and Pitkin County environmental health departments have teamed up with Garfield, Eagle and Mesa Counties and the US Environmental Protection Agency on a regional air quality awareness campaign called "Share the Air." The focus of the campaign is to raise public knowledge about the quality of our shared air shed along the Roaring Fork and Colorado Rivers, as well as air contaminants that can impact public health.
We want to take this opportunity to share information about common environmental factors found in indoor and outdoor air that may trigger adverse health effects. Our partnership recognizes that communities across this region have identified and are managing a variety of their own challenging localized air quality issues, including with those associated with different types of growth and development issues.
All the counties are committed to ongoing air quality improvement initiatives that will promote clean air outside and inside your home. Thus far, Aspen and Pitkin County has been involved with air quality monitoring and related research, air quality improvement projects, and a variety of education and outreach initiatives. We are hopeful these types of initiatives will continue in the future to demonstrate that we are a proactive community.
Each one of us plays a role in preserving the elements of our environment and protecting our shared health. The fact is, we all contribute to our local and regional air quality.
The goal this week is to provide information regarding several key air quality topics including radon, ozone, asthma triggers and carbon monoxide, why it's important to know about each issue, and what individuals can do to help mitigate problems associated with these issues. Please check out our website http://www.aspenpitkin.com each day this week to learn more about radon, ozone, asthma triggers and carbon monoxide.
For more information about this campaign or any other air quality related efforts in Aspen or Pitkin County contact Jannette Whitcomb at the city at 920-5069 or Carla Ostberg at the county at 920-5438.
Jannette Whitcomb, Senior Environmental Health Program coordinator
Carla Ostberg, Environmental Health manager
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


text:
View this page in: English | Deutsch | Español | Français | Italiano | Nederlands | Svenska
Welcome to T-Vox. We aim to provide the most comprehensive advice, information and support website on the internet for Transgender, intersex, genderqueer/non-binary, and gender questioning people; their friends; and their families.
Our work is split into three sections: this website (which you can help add to); our chat room (where you can get support and advice in real time, or just chat to people in a similar situation to yourself); and our news service (which provides information and advice on current affairs around the world). You may also find our series of podcasts both useful and informative.
If English is not your first language, visit our languages page.
If you are new to T-Vox, or the Transgender and intersex communities, we have created some advice and guidance pages just for you. These pages cover the basics and link to other pages to give further information. To start with, try clicking on the title that best describes you:


text:
Authorities say two Newark teenagers were apparently targeted in a shooting that left one of them dead and the other wounded.
Essex County prosecutors say 15-year-old Raheem Neal and his 17-year-old friend were apparently walking through the Rev. William D Watley Plaza housing complex when they were shot around 6:40 p.m. Saturday.
Both teens were taken to a hospital, where Neal died about three hours later. The older teen, whose name was not released, remained hospitalized Sunday in stable condition.
Prosecutors would not say Sunday why they believe the pair were targeted. They declined further comment on the shooting, citing the ongoing investigation.
Copyright AP - Associated Press


text:
Where Did the World's Youth Live in 2012?
Today, the world has the largest youth population in history. There are more than 1.2 billion young people between the ages of 15 and 24, and 90% of them live in developing countries.
Find out where the world's youth lived in 2012.


text:
Herb Schildt in his books Java A Beginner's Guide and Java:The Complete Reference shows the main method as being
public static void main (String args[]).
At first I thought it must be a typo until I realized it was the same in both books. I tried it in the Command Prompt and javac ran it. I have always seen the main method printed as
public static void main(Strings[] args)
In Schildt's version the square braces comes after args, but, every where else it is always put after String. While Schildt's version runs fine in the Command Prompt, it comes back as an error in the various IDEs I've used (NetBeans, Eclipse). Why the difference? While I assume that the braces after String is the preferred method, since javac runs it and since Schildt keeps printing the other version I can't help but wonder what the difference between the two is. Anyone know?


text:
Wsp Global Inc is a Canada-based professional services company. The Company's segments are Canada, Americas, EMEIA (Europe, Middle East, India and Africa) and APAC (Asia Pacific, including primarily Asia and Australia). It offers services in project delivery and consulting. It offers various project services throughout the project execution phases. It operates in sectors, such as property and buildings, including services, such as disciplines of structural and mechanical, electrical and plumbing engineering; transportation and infrastructure, which includes planning, analyzing, designing and managing projects for rail, transit, aviation, bridges, tunnels, highways, ports, roads and urban infrastructure; environment, including services covering air, land, water and health on environmental matters, such as risk management and permitting authorizations; industry, including consulting and engineering services; resources (including mining and oil and gas), and power and energy.
FINANCIAL RATIOS of WSP Global Inc. (WSP)
Valuation Ratios
|P/E Ratio
|Price to Sales
|Price to Book
|Price to Tangible Book
|Price to Cash Flow
|Price to Free Cash Flow
Growth Rates
|Sales Growth Rate
|Sales - 3 Yr. Growth Rate
|EPS Growth Rate
|EPS - 3 Yr. Growth Rate
|Capital Spending Gr. Rate
|Cap. Spend. - 3 Yr. Gr. Rate
Financial Strength
|Quick Ratio
|Current Ratio
|LT Debt to Equity
|Total Debt to Equity
|Interest Coverage
Management Effectiveness
|Return On Assets
|Ret/ On Assets - 3 Yr. Avg.
|Return On Total Capital
|Ret/ On T. Cap. - 3 Yr. Avg.
|Return On Equity
|Return On Equity - 3 Yr. Avg.
|Asset Turnover
Profitability Ratios
|Gross Margin
|Gross Margin - 3 Yr. Avg.
|EBITDA Margin
|EBITDA Margin - 3 Yr. Avg.
|Operating Margin
|Oper. Margin - 3 Yr. Avg.
|Pre-Tax Margin
|Pre-Tax Margin - 3 Yr. Avg.
|Net Profit Margin
|Net Profit Margin - 3 Yr. Avg.
|Effective Tax Rate
|Eff/ Tax Rate - 3 Yr. Avg.
|Payout Ratio
WSP stock valuation input parameters
Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the WSP stock intrinsic value calculation we used $6380 million for the last fiscal year's total revenue generated by WSP Global Inc.. The default revenue input number comes from 2016 income statement of WSP Global Inc.. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.
Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
We use three input parameters to forecast the revenue growth rate in our WSP stock valuation model: a) initial revenue growth rate of 5.4% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.
Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
The initial discount rate of 4.5%, whose default value for WSP is calculated based on our internal credit rating of WSP Global Inc., is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of WSP Global Inc..
By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.
Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of WSP stock the variable cost ratio is equal to 95.2%.
Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for WSP stock. These expenses increase with the level of inflation in subsequent years.
Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 3.5% for WSP Global Inc..
Corporate tax rate of 27% is the nominal tax rate for WSP Global Inc.. In reality, companies find ways to pay much less taxes than that or not to pay them at all.
Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the WSP stock is equal to 0%.
Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for WSP are equal to 8.1%.
Life of production assets of 20.5 years is the average useful life of capital assets used in WSP Global Inc. operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.
Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for WSP is equal to 7.9%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.
Book value of equity - $2860 million for WSP Global Inc. - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.
Shares outstanding of 103.155 million for WSP Global Inc. is needed to calculate the intrinsic value of one share.
Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of WSP Global Inc. at the current share price and the inputted number of shares is $7.1 billion.