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Organizations should build bill templates determined by present laws. These bill templates can be carried out in MS Excel blank invoice. The 2007 edition of Excel truly includes a variety of templates for everyday use, making sure business jobs easier. Entrepreneurs, business people, and perhaps self-employed men and women ought to concern an invoice for solutions rendered, merchandise shipped, and the like. The laws states how an bill need to be created. Providing you have got a wonderfully performing Laptop, drafting Excel bill templates needs to be quick.
On the internet sellers and those that have on-line outlets are required to present an invoice when marketing things. Take note that an bill is really a industrial doc that a vendor challenges on the buyer. The invoice signifies what items or services are now being marketed as well as the charges of those items or solutions. Sellers contain the obligation to supply invoices to customers. All together, the bill offers authorities data on the earnings on the vendor or keep operator or entrepreneur. These files will also be crucial for record-keeping and evaluation functions. For that purchaser, the bill may be the evidence of invest in and ownership. Given that it is actually a necessary doc, an invoice should really bear the appropriate information with regard to the items, charges, title of company/seller, and title of purchaser. Except for containing proper information, possessing the right format and structure is likewise critical.
Developing normal invoices calls for a single to acquire encounter in fundamental Microsoft office environment apps. It will be a lot easier in the event you have already got Excel bill template designs which can be correctly formatted. These resources are essential to occur up with invoices that are totally free from problems. Typical framework and structure really should be adopted. Unless you are marketing items on-line, you should print receipts and invoices. Printing must be clean, and paper made use of must be of top quality. Some sellers have ready-to-use invoice prints. A lot of business people speak to other printing companies to supply receipts, invoices, as well as other small business stationery. In the event you are doing all of your individual invoices, ensure you make investments in great high-quality paper and in a superb printer.
Traditional invoices might take additional the perfect time to end compared to the modern excel invoices. You are able to simply utilize the template at hand and fill buy details. When you will be accomplished, it is possible to contain the doc printed. A single problem is that you need to invest in the quality printer as well as a source of paper. That is a favorable choice for a lot of. In the event you operate away from bill copies, you are able to have 1 printed using the Excel template. That may be why a template on the Computer system should always be at hand to save time.
Whilst you could build your own Excel bill templates, you may also obtain them from on-line resources. There are actually numerous internet websites from which you can download invoices as well as other business forms in both Excel or Word structure. In the event you are lucky, you could discover totally free downloadable templates, which you can easily use or customize. Commonly, free of charge templates come as primary templates with limited functions. Massive enterprises may perhaps have to have extra specific or sophisticated invoices. Downloading bill templates from on line resources is suited for those who obtain earning their particular template irksome.


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Topographical maps are a wealth of information. Understanding the colors on a topo map allows you to get a better vision of what type of terrain you will encounter. Below are some of the basic colors you will find on a Topo map.
Basic Topo Map Colors
- BLACK: Man-made areas (eg. buildings, small roads).
- RED: Built up areas like cities.
- BROWN: Terrain reliefs and contour lines.
- GREEN: Vegetation, (Trees, Forests, etc.).
- BLUE: Water, (Lakes, Streams, Creeks, etc.)
- OTHER COLORS: They are explained in the legend.

subset: commoncrawl


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Saintfield's 73rd District Show was held on July 21 at the new venue of Glenbrook Farm by kind permission of the Lawson Family. It was an enjoyable day out for all the family in a stunning location.
At the end of June the North Down Group bid farewell to one of the group managers, Keith Emerson, who after seven years in the group moved on to new employment. Everyone wishes Keith all the best for the future.
The winter programme for 2018-19 is underway with the first meeting reviewing the legislation around agricultural vehicles on the road. It was a very informative meeting held by Trevor Ringland from Macaulay & Ritchie Solicitors.
The group is looking forward to its next meeting in La Mon Hotel on November 6 at 8pm when Joe McDonald, Senior Manager of Corporate Affairs NI of ASDA and former employee of UFU, will give an overview of the supply chain from a retailer's prospective.
Further meetings include 'The Latest Farming News' with David Wright from the Irish Farmers Journal; 'Dealing with Financial Uncertainty' with Ian McCluggage, from CAFRE; and David Simpson, from NFU Mutual.
As always we appreciate our members' support of the group and would encourage those who don't regularly attend meetings to come along.


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Jupiterimages/Stockbyte/Getty Images
If you've ever gone to an Italian restaurant and filled up on bread dipped in spiced olive oil, you may have wondered what combination of spices was in the oil to make it taste so good. While recipes vary among restaurants, there are four basic spice blends added to dipping oil.
Basic Italian
Sometimes known as Sicilian blend, the basic Italian herb blend is considered the most traditional blend of spices for dipping oil. Ingredients include dried garlic, onion, red pepper, salt and sometimes dried tomatoes, sage, oregano, parsley and rosemary. You'll likely find this blend at the most traditional style of Italian restaurants.
Tuscan Style
There are roughly two different types of Tuscan blends. One features the Tuscan tomato flavor -- basic ingredients include sun-dried tomatoes, basil, garlic, salt and onion. Another version of Tuscan blend does not include tomato but focuses instead on spices popularly used in the Tuscan region. Basic ingredients include fennel, oregano, garlic, onion, salt, bell peppers and rosemary. Some recipes add a little cayenne pepper or Spanish paprika.
Rosa Maria
The Rosa Maria blend makes rosemary the star of the show and also features garlic as a main ingredient. Other ingredients in the Rosa Maria blend include black pepper, salt, and red pepper flakes.
Parmesan blend
Some restaurants add Parmesan cheese to the dipping oil. Parmesan cheese complements olive oil blends containing oregano, basil and thyme.
- Jupiterimages/Stockbyte/Getty Images


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. . . Says Alliance for New Nigeria will bring forward dedicated, committed and purposeful leadership
Dr. Jay Osi Samuels is a Medical Doctor by training. He was born and bred in Ibadan, Oyo State. His parents are from Fuga Town in Estako Central Local Government Area of Edo State.
He had his primary education in Ibadan and secondary education in his home town in Fuga and bagged a Degree in Medicine and Surgery at the University of Ibadan. After graduation, he did his one year internship in Kaduna and his NYSC at the General Hospital in Lagos. He eventually went to Harvard for his postgraduate fellowship training and was in the Harvard system for five (5) years before returning to Nigeria in 2006.
Murya Magazine crew was at his office and had a chat with him to capture his thoughts on several issues about what makes his party, the Alliance for New Nigeria stand out political issues about the country as well as the plans his party has for the country. Excerpts.
You are a medical doctor and now you are into politics, I understand man by nature is a political animal, but how do you connect that?
For me and even till now, I still don't consider myself a politician. My dabbling into politics came out of the passion or the desire to engender good governance in Nigeria. Before I go further, let me take a step back to explain the background to how I came to this level. Like you said, Man by nature is a political animal. I am an avid news reader. I listen to political news and pride myself as one who can analyse politics better than some professional political analyst, because I follow politics a lot. I follow governance and also follow business and many more. In that respect, I am not a novice to politics, but in terms of actual participation, I have not really been involved. In fact, I have been averse to anything that has to do with politics, but the love for country is actually the major motivating force that brought me this far.
A lot of us who are professionals do what we have to do because that is what we signed up for and whenever we leave our houses every day, we always thinking about how to improve the work place irrespective of the fact that we own the business or not. Similarly, we believe that there are people who think about the country in this manner, so much that their job every time they wake up is to think about how to better the country, how the people of Nigeria can best be served and the likes.
However, the type of politicians we have at the moment appeared not to care about good governance. They care about themselves, about what they would benefit and don't even care about our own well-being. How can you explain a situation where, someone has been traveling Abuja - Jos route for 12 years and the condition of the road still remains the same if not worse? If Nigeria was a business and it was someone's business to make that road better, he or she cannot be watching over the years as the road get worse and worse. If a State Governor, a Federal Minister, even the President himself passes through that route, even though they can chose to fly, how would they feel that year in year out the roads are getting worse? I am just using this as an example of the signs of failings of the government in our society.
As a development worker that I am, I find it difficult to shove off this kind of issues. People need to be held accountable. If we go to work every day and appraisals are conducted at the end of the year for workers to judge their performances then, we as citizens or owners of Nigeria should be able to appraise our leaders, because it appears that our rulers don't care. They simply see government or government position as personal position to enrich themselves and turn the masses to beggars by giving those fond of hailing them peanuts. For somebody like me, who had worked with the government both at the international and local level and by the reason of the work I do, which gives me the opportunity to sit at the front roll and see things first hand, it equally put me in a position of seeing the decadence in governance and in Nigeria especially, how government has neglected its duties.
These are the things that moved me into deciding that if these people are not ready to provide proper governance, I have to come in, because in the past, I used to ask how one can join the government with the intention to serve the people and create a difference.
looking at the way politics is played in Nigeria, the easiest way would have been for somebody to say I have seen you, you are very good I would appoint you as my Special Assistant, but personally I don't think I can be effective in that role, because as an S.A to somebody, you can only advice, you cannot make things happen. I have friends that have worked as S.As and those that are convinced about their potentials don't spend three months in the job, they resign because the politicians who engaged them don't mean what they often say.
The other aspect is to look at the political space, if you look at the people that have been participating in Nigerian politics in terms of voting or being voted for, they are less than 30% of the eligible voting population. In other words, a few people have been determining our collective destinies in Nigeria. What happened to the 70% of the population?
I am talking about people that are 18 and above, some don't even register, some register but don't even vote. If you look at the last election, we recorded about 67 million new registered voters in total, but out of that about 29 million or so actually voted. I think about 30 something million people were accredited to vote. About 2.5 million went home and didn't return to cast their vote.
What we looked at, at Alliance for New Nigeria was why the 70% or more people not participating in the election process? And mind you, I was among those 70% because in the last election, I didn't vote and there are millions of Nigerians like that. The question is why is this so?
There are many reasons attributable to this situation, but the simple reason is apathy. People have come to believe that politics is a dirty game and votes don't count, because even if you voted, the outcome would be rigged in favour of someone else. For some of these reasons, people don't want to waste their time.
On a technical level, however, there are some other things - although things appear to be changing now – it has to do with the issue where an electorate want to exercise his or her civic responsibility and would need to be accredited and wait for a long time to cast their vote. The people say they are busy and don't have 7 or 8 hours to waste in the name of voting. In order to solve this issue, a new INEC regulation that allows for simultaneous accreditation and voting would encourage them greatly.
At Alliance for New Nigeria, our focus is to attract and galvanise people that have not been participating in the electoral process either by voting or those who are interested in standing for elective positions but are discouraged due to the nature of the nation's political space.
Take me as an example, I am not a politician, I have never been a politician, I only want to be a politician now because I am interested in the wellbeing of Nigerians and I want to engender good governance in Nigeria. Therefore, as a mark of my commitment I am stepping forward. If I can step forward, you too should step forward.
You said you are not a politician but you had to join because you think there is a need to salvage the system from the present crop of politicians. How can you reconcile the fact that virtually every one of them joined politics with a similar mission: "I am interested in good governance" yet when you give them a chance, they mess up the process. What new things are you bringing on board?
Let me just say this: when I said I am not a politician, I meant it 100% and at Alliance for New Nigeria, we are technoticians. We coined that word for ourselves and I will give you the background behind it. We have seen in the Nigerian political space that technocrats have been appointed as minters and some elected as governors like the Governor of Gombe State, Alhaji Dankwambo. He is a technocrat, but a politician now.
I like to describe Nigeria as a dirty cup of water. If you have a glass full of unclean water and you add clean water into it, the water in that cup would still be dirty. That is what has happened over the years. When technoticians, the so called good people come into the political sphere, they get engulfed and a lot of them get frustrated and rather than for some of them to leave the arena, they join in doing the dirty things.
We have also seen a situation of a Babatunde Fashola, when he was the governor of Lagos State. He was technocrat who came on board though he had a politician behind him and he performed creditably well in his first term in office because he was clearly focused on the work as an technocrat- the way he wants it and he was doing it- but somebody was at the back end doing the politics for him. Nonetheless, we recognize that you cannot survive as a technocrat without understanding a bit of politics. That is why we coined the word, technoticians - we are mainly technocrat but for us to understand the world and survive in the political field, we need to understand a bit of politics. However, I need you to know that, we are more of technocrat and less of politics.
The question now is how do we intend to achieve our objectives? This is the way we want to go about it. The way Nigerian politics is currently played is a like a situation where an individual is entrusted with a particular position to truly serve the people, but are finding it difficult to locate a platform that would enable them to serve. For instance, I have people that came here and said they went to PDP and were told the space is full and were even told to go and cue for the slots in 2023 or whenever. This means, you need a godfather to get you in. That is what we want to do differently.
We are building a party where you don't need or have a godfather, a party where any Nigerian can aspire to take up any position. The party is owned by the ordinary average Nigerian. Anyone can come up with his or her interest, what the party will do is to provide a level playing field for all aspirants. If at the end of the day, you are the best candidate, the party will support you.
In ANN what we want to do differently also is, as we go ahead mobilizing for support, the task we have set for ourselves is to convince Nigerians that this is the party! APC and PDP have failed. This is the party you should rely on.
If for instance, ANN wins the 2019 presidential elections, you don't need anybody to tell you that it is the Nigerian people that voted the party in and we know that for us to remain in power we need to deliver to the people what we promised.
Otherwise, I have seen a situation where politicians who find themselves in several positions in the House of Reps, the Senate or even Governors who know they can win not because they had to do what people want, but because they only need to bribe the people and to do that they have to amass a lot of money. We don't want to play that type of politics. Rather, we want a government that will be responsive to needs and aspirations of the people, provide the basic things and make this country better than it is currently.
What is your assessment of the state of the Nation generally?
The state of the nation is not encouraging. It is actually saddening that we have gotten to this level in times of governance. Just think of any metrics of measurement we are not making progress - the economy, security or employment - it is like the government has lost it from day one. They don't even know how to manage or steer the affairs of the state. That is very worrisome and the outright lies, deceits and propaganda this government has churn out is far worse for our country than any other previous government. Nigeria had always had divisions in terms of ethnicity, but this government has acerbated it in every way, things are really bad for this country.
Don't you think somebody will disagree with you, and say no it has never been this good? And at what point are we going to agree that something is wrong or are we going to continue like this?
Personally when it comes to the issue of state, especially anything that concerns Nigeria, we shouldn't be bias. We shouldn't be looking at things from the perspective of party affiliations. We should look at it as Nigerians. Is this what we want? We all have families, businesses and many other cherished values. There is a definition or acceptable level of what is good or bad, but when we try to use previous administrations as a basis for comparison I don't think that is good for our country.
This government is in power because the last government failed, we cannot be using them as a standard of measurement in whatever form because what we are concerned about is Nigeria as a country and what will make her move forward. There maybe something that the government is doing but there is a lot more the government can do and not giving excuses or looking for a reason to say this is why you are not making progress, such things should be very obvious for people to see.
When do you think we can get to a level where we start calling black as black and white as white, will it start with Alliance for New Nigeria?
Definitely it will start with Alliance for New Nigeria. As I often tell people, one of the major things wrong with this country has to do with good governance. True, we have policies here and there, but what is really lacking in our governance system is the purposeful determination and committed leadership to implement the policies. None of our leaders have been able to provide selfless service, because people often come into government based on god-fatherism and through other ugly means. And the moment they get there, they cater to special interest by making subjective decisions that have no bearings on our collective destiny.
One of the things that Alliance for New Nigeria will bring forward is dedicated, committed and purposeful leadership where decisions will be made, policies implemented based on the convention and the believe that the Nigeria people are superior to any individual.
How do you think we can step out of this quagmire, considering the fact that, the moment your party the ANN gets to the level of a mega party like the PDP or APC it could easily start condoling godfathering and other vile acts?
We hope not! That is why we are putting mechanism in place to checkmate all of the ugly factors I outlined above, but like I said before even though I may just be repeating myself now, the major reasons is because the masses are not taken into the equation in the governance style of this country.
Let me give you an example, in the US, President Trump is there today, he knows that some people or Americans put him there and in putting him there, they have certain expectations from him and whether you like Trump or not, whether you like his style or not, he has a solid base of supporters and at every point in time his decisions is guided by what those people want, because he knows that once he loses his support base, he is gone.
In fact, he is actually fighting the god-fathers. They do not call them god-fathers there, they call them the establishments. He is fighting the establishment and that is what we want in Nigeria. We don't want a situation where we will be doing things to satisfy a few individuals who have been holding this country by the jugular.
For once, let's have a party that is responsive to the yearnings and aspirations of ordinary Nigerians. And that is what we are bringing on board, because the way we are going to run the government is that our campaign will start from day one after the election to make sure that all the deliverables we promised would be visible even to a blind man in two years. People should be able to see and feel the difference that there is a new government in town. We don't have any reason why we are still crawling like a baby in Nigeria.
How do you intend to break into the market and take a share of the brand equity of your party or the people knowing about the existence of your party; how do you intend to occupy their minds?
We are already occupying their minds because we are going daily by leaps and bounds. However, I know we still have a lot of works to do. Mind you when we started off, we were not even planning to factor so much in 2019. We didn't come together because we wanted to participate in 2019 elections or win in 2019. We are more of a long term focused ideology based organization, but currently, because of the external pressures on us resulting from the fact that a lot of Nigerians see this party as the saviour of this country, many things are happening even beyond our imagination.
In fact, people have even come to advise us to focus on one small area, because apart from the PDP most other parties started as regional parties. We can say the APC is a national party, but it is still having a regional coloration. Those offering their advice are saying we should pick an area of influence and just focus on a state and win the governorship seat, but we don't have that control because as we speak now, we have members in every state of the federation. There're people that went to register on their own and very time I check for updates on my Facebook page, people are seeking to contact us. This thing is organic, even though we still have specific plans which we started implementing to reach out to the kind of people that we are targeting.
We don't even see APC and PDP as competitors, because we are discounting the 25 million votes or so recorded in the last presidential election and creating a new set of voters from the 70% of Nigerians that have never voted before. If we can get them on board and they believe in our message after they identify with us, our target is to register about 10 million members by October this year. Though, we hope to do more than that, but that is a base line to measure our performance.
We have a lot of things planned and we are gradually implementing them even though we still needs a lot of funds to achieve our aim, but this is very easily do able. When people say time is short, it is not that we are focused on 2019, but because of the expectation of the people, we believe that even though it might look like a short period, in politics one year or nine months is a long time.
So far do you have any presidential aspirants?
We have several aspirants that have been coming to us but one that is publicly known right now Fela Durotye, he joined us officially even though he has been talking to us since September last year but he officially joined the party on the 22nd of February this year.
I understand he is a motivational speaker?
Yes! He is actually well-known in the corporate world as a motivational speaker, but aside that and because people know of his aspiration that he wants to contest for president, some people are mistaken him to be our candidate. He is not actually our candidate, he is an aspirant, and we have several aspirants that have indicated interest, not just for the presidency even at governorship and other levels.
The issue of political ideology is missing totally from the Nigerian space, is ANN going to be the same in terms of the manifestoes and ideologies compared to other parties in Nigeria?
Alliance for New Nigeria as a party is different. We are professionals. The party is built on the bedrock of professionalism, but that is not to say that all of us are Doctors, Nurses, Engineers, lawyers or whatever. Anybody who has a profession is a professional even a carpenter is a professional in that sense, but our ideology is based on the fact that we are professionals who want to offer ourselves for public service, but the underlining thing is that, we believe in Nigeria. Ideology has gone beyond socialism, capitalism and the like, the major reason that makes us come forward is because we believe in Nigeria. And this country has to be made great! This country has to be made to occupy her rightful place in the community of nations. That is our ideology.
We take deliberate step to increase support for the Agricultural Sector under our Strategic Funding Framework - Abba A. Bello
. . . Says the Nigerian Banking Industry is increasingly becoming integrated with the global financial system
Abba Bello has 26 years' experience in banking, where he has held senior management positions in corporate banking, regional and commercial banking, and public sector banking in more than a decade. Abba also had a brief stint in auditing.
Abba is a graduate of accounting from Ahmadu Bello University, Zaria. He also holds a post-graduate degree in Business Administration from University of Liverpool, United Kingdom.
Until his appointment as Managing Director and Chief Executive Officer of Nigerian Export-Import Bank in April 2017, he was Executive Director, Unity Bank Plc., in charge of Corporate Banking, Agriculture and North Directorate.
Abba has cognate experience in international banking. He was the pioneer Managing Director/CEO of United Bank for Africa Plc.'s subsidiaries in the Republic of Chad and Zambia for several years.
Abba has attended several courses in Nigeria and abroad in leadership, advanced management, and executive management. He is a member of Chartered Institute of Bankers Nigeria, and a Fellow, Institute of Credit Administration.
In this interview with Murya Magazine, Mr Abba A Bello speaks on the Nigerian economy as well as other financial developmental issues. Excerpts.
As an industry player who has been in the financial sector for decades, how would you assess the Nigerian economy with particular reference to import and export?
Nigeria is an import-dependent economy, while exports are largely dominated by oil and gas, accounting for about 95% of total exports. This explains why our terms of trade deteriorate anytime the global oil price declines. Although in recent times, there appears to be some relief in the area of food imports owing to the success of the Anchor Borrower Programme and increase in production of rice, a lot still needs to be done to improve our trade balance. Currently, over 50% of our imports are manufactured goods, while raw materials and agricultural imports account for 12% and 10%, respectively. There is the need for Nigeria to enhance local capacity to boost production and value addition, not only for import substitution but also for exports.
What does the Nigeria Export-Import Bank exist for and what is the mode of operation of the bank?
Export Credit Agency, NEXIM's mandate essentially promotes the diversification of the Nigerian economy and contributes to the growth and development of the non-oil export sector by providing credit in local/foreign currency, export credit guarantee and export credit insurance, as well as trade information and export advisory services. The Bank also complements in attracting development capital and concessionary credits to the export sector from other EXIM Banks as well as Bilateral/Multilateral financial institution. Through these, the Bank contributes to jobs creation and foreign exchange earnings for the country.
The Bank also plays a trade facilitation role through various strategic initiatives. Some of these initiatives include the Sea-Link Project, aimed at addressing the transport and logistics problem inhibiting regional trade through the establishment a regional shipping company that will operate within the West and Central African Region. NEXIM is also collaborating with the Borderless Alliance, which is a regional advocacy platform that seeks to remove non-tariff barriers and other impediments to intra-regional trade. We are also the national guarantor under the Interstate Road Transit Scheme (ISRT), which is a programme designed to facilitate the smooth operation of the ECOWAS Trade Liberalisation Scheme (ETLS).
The vision statement on your website reads to be the leading Export Development Bank in Africa. Has the bank lived up to expectations in this regards?
Over the last five years, inadequate capitalisation and the paucity of funds have been a limiting factor. However, these challenges are now being addressed with the recent introduction of the N500 billion Non-Oil Export Stimulation Facility (NESF) and the N50billion Export Development Fund (EDF) by the Central Bank of Nigeria. We are also working towards leveraging our Balance Sheet through other EXIM Bank and Bilateral/Multilateral Financial Institutions to enable us to build a solid financial base to adequately support the Nigerian non-oil export sector.
The Central Bank of Nigeria once established N500 billion Export Stimulation fund (ESF) and a N50 billion Export Rediscounting and Re-Financing Facility (RRF) to be managed by NEXIM Bank. Is the management of these funds still on course?
As you may be aware, the N500billion ESF was re-launched in December 2017 with some modifications, which now admits NEXIM as a Participating Financial Institution, implying that applicants can now approach NEXIM directly and not necessarily through another Bank as was the case. Also, the CBN launched a new N50 billion Export Development Fund (EDF), which is to be deployed towards funding the Regional/State Export Development Initiative being implemented by NEXIM. Under the EDF, at least N1billion has been earmarked for each state of the federation to promote economic diversification and regional development, based on the economic endowments in the state.
The Bank has also earmarked about N3billion from the Export Development Fund to support industries that are major employers of women and youth under a special economic empowerment scheme for the vulnerable groups as part of NEXIM's contribution towards meeting the targets of the Sustainable Development Goals. This fund will be provided at a highly concessionary rate and the key objective will be the promotion of women and youth empowerment.
I wish to confirm that these funding schemes have become operational and NEXIM is already processing applications under the schemes.
One of the statutory functions of NEXIM Bank is the diversification of the economy through the provision of Finance, Risk Bearing and Advisory Services in line with government trade Policy. What does it take to be eligible for these services?
Beneficiaries of NEXIM's facilities must be export-oriented projects operating in Nigeria, who are duly registered as Limited Liability Company or a cooperative society. Usually, applicants are required to produce a viable and bankable proposal and provide evidence of an export market.
The Buhari administration is making efforts towards building a robust economy that would be less dependent on earnings from oil. What strategies is NEXIM putting in place to complement the President's effort?
Yes, as you rightly observed government is implementing various economic policies to diversify the economy and promote sustainable and inclusive growth in the country. Such policies include the Economic Recovery and Growth Plan (ERGP), the Agriculture Promotion Policy (APP), the Mining Industry Roadmap (MIR) and the Nigerian Industrial Revolution Master Plan (NIRP).
In this regard and as part of its contribution, NEXIM has established a Strategic Funding Intervention Framework, which seeks to address the key challenges in the non-oil export sector under 5 strategic pillars. This includes in Pillar One, Products and Market Diversification, where the Bank seeks to enhance value addition in the Agriculture sector, in addition to promoting services exports, particularly in the area of the Creative Economy, Business Process Outsourcing and Professional Services.
The second pillar deals with Regional Industrialisation and Export Promotion, which includes deliberate funding intervention programmes in restive areas such as the Niger-Delta and the North East Region to crowd-in investments towards jobs creation and enhancing economic growth.
Our third Pillar deals with Bridging Export Facilitating Infrastructure where we shall be catalysing investments in assaying and laboratory infrastructure, in addition to developing logistics and transport infrastructure through the Sealink Project.
The fourth Pillar is about Improving Export Handling and Packaging, where we shall be promoting investments in packaging materials such as jute bags to improve export competitiveness and reduce incidents of rejection. The fifth and last Pillar deals with Broadening the scope of export financing, which involves developing new financing instruments such as Factoring to improve access to funding by the Small & Medium Enterprises. We shall also be establishing dedicated funds for the purpose of providing investment guarantees and other risk-mitigating instruments.
As a professional with cognate experience in international banking, how would you assess the Nigerian banking industry with regards to international best practices?
The Nigerian Banking Industry has actually recorded significant progress over the last 10 years and is increasingly becoming integrated with the global financial system. As you are aware, many Nigerian Banks now have branches in many African countries and indeed Europe and other parts of the world, while some international Banks have been operating in the country over the past three decades. This has led to significant knowledge and skills transfer.
Agriculture is the most viable sector capable of standing head to head with the oil sector in terms of revenue generation considering the fact that revenue generation from oil often fluctuates. What is your Bank doing to support the growth of the agricultural sector?
Nigeria indeed has a significant Agricultural endowment so much so that we are the leading producers of major commodities in the world as published by the Food and Agricultural Organisation. Nonetheless, agricultural production in Nigeria is still largely subsistent and rain fed such that the productivity is still quite low, with low yield per hectare when compared to other parts of the world. Hence in order for Nigeria to be globally competitive, there is the need for a transition into large-scale mechanised agriculture and adoption of modern technics to boost productivity and improve yield per hectare. Also given the current composition of non-oil exports where primary agricultural commodities contribute over 50%, there is the need to develop local capacity for value addition to improve export competitiveness and boost export revenues.
It is for these reasons that the Bank has taken a deliberate step to increase support to the sector under pillar one of our Strategic Funding Framework as earlier mentioned. Note that I used the word increase because indeed the Agriculture Sector has always been one of our target sectors under the MASS Agenda, which defines NEXIM's focus sectors to include Manufacturing, Agriculture, Solid Minerals and Services.
Finally, what do you have to say to members of the public seeking to know more about the operations of NEXIM Bank?
NEXIM's is quite ready to support export business in Nigeria and our current drive is to build a solid institution that will have the financial muscle to intervene significantly in the non-oil export sector, where opportunities actually abound. To further increase our reach and spread, we are restructuring our operations along regional lines, hence the Bank has a branch in every region of the country. Ultimately, we intend to have at least one branch in every state to enable us to bring development to all parts of the country.
Taking Loan in Itself Is Not a Bad Thing, It Becomes Bad When You Don't Want To Pay Back –Ahmed Lawan Kuru
…Says it is impossible to use AMCON as a witch-hunting tool
Ahmed Lawan Kuru is a career banker with professional experience spanning over three decades across Investment Banking, Risk Management, Operations, Human Capital Management and Marketing amongst others. Prior to his appointment as the Managing Director/Chief Executive Officer, Asset Management Corporation of Nigeria (AMCON) by the Presidency on August of 2015, Kuru served as the Managing Director/CEO of erstwhile Enterprise Bank Limited. His ingenuity at turning the then beleaguered bank around and returning it to profitability earned him the famous name in the financial sector as the turn-around-agent.
Confronted with a herculean task at AMCON whose total debt obligation of N4.6 trillion represents 75 per cent of the 2016 national budget; 26 per cent of the 2016 total national debt, and 5 per cent of the country's nominal gross domestic product in 2016; Kuru who is driven by result hit the ground running. Expectedly some far-reaching changes he introduced at the Corporation increased the tempo of recoveries and strategically refocused AMCON on value enhanced exit of its portfolios, which encompasses continued negotiations and resolution of loans through cash recoveries, asset forfeitures via negotiation or enforcement; capital restructuring for short to mid-term exits as well as Joint Venture (JV) arrangements for asset operations and land development.
His creative leadership methodology at the government agency has led to the repositioning of AMCON's debt recovery approach as he has strengthened the legal and credit restructuring units to collaborate and perform more efficiently with asset tracing engagements to enable AMCON to recover much more. As a result of this, AMCON was able to successfully divest 100 per cent of its equity holding in Keystone Bank Limited, the last of the bridge banks in the book of AMCON. The Corporation also saved Arik Airlines (the largest local carrier) and Aero Contractors (the oldest carrier) from shutting down operations. Irrespective of the economic challenges of last year when the country experienced a recession, AMCON still recovered over N134billion in 2016 alone.
Under his leadership, the Corporation is exploring the creation of robust Real Estate Investment Trust Scheme (REITS) that would provide a market-driven exit for AMCON's real estate assets as well as additional capital market instruments for institutional investors such as the Pension Fund Administrators (PFAs) and other interested parties. AMCON is engaging with financial advisers, private equity and mezzanine Funds as potential partners for joint venture and other capital restructuring arrangements.
Before Kuru arrived AMCON, he previously served as Managing Director/CEO of erstwhile Enterprise Bank Limited; Executive Vice Chairman, Emeritus Capital Limited; Executive Director of the old Bank PHB Plc., and held very senior management roles at Habib Bank of Nigeria. Mr. Kuru attended the prestigious Ahmadu Bello University (ABU), Zaria where he obtained degrees in Business Administration as well as MBA. He has attended various international programmes including IMB, Switzerland, the London Business School, Columbia Business School, New York, as well as Harvard Business School.
The dedicated corporate player has served on the Board of over 30 organisations and is currently playing key roles in a number of them. He is an outstanding and experienced corporate executive with proven leadership attributes; a community builder, motivational speaker and a mentor. Kuru is also a Fellow of both the Chartered Institute of Credit Administration, the Chartered Institute of Bankers Nigeria (CIBN) and Institute of Directors (IoD), just to mention a few.
The Murya Magazine crew had an exclusive interview session with him and captures his thoughts on a number of issues about AMCON and the role the Corporation is playing in stabilising the Nigerian economy. Excerpts.
For the benefit of the general public, we want you to let us in on what the Asset Management Corporation of Nigeria (AMCON) exists for?
The Asset Management Corporation of Nigeria (AMCON) is an intervention agency and a child of necessity, which came about as a result of the 2008/2009 financial crisis. It was set up in Nigeria to address the financial crisis at that time. It was a vehicle that was created to provide stability and liquidity to financial institutions.
What role does AMCON play in stabilising the Nigerians economy?
During the time of the financial crisis, AMCON purchased loans from about 22 financial institutions and freed the banks from the burden of managing those bad debts and at the same time find a way to restructure the loans and provide additional liquidity to the financial institutions to enable them continue the business of lending to jumpstart the economy.
What AMCON did at that time was to halt the financial crisis, provide liquidity to help the banks, provide support for some of the obligors or company because some of them still needed some help and in the process, we saved depositors money to the tune of N3 trillion, saved jobs in excess of 15,000 and the likes. These are things not known ordinary Nigerians but if AMCON had not intervened quite a lot of those banks would have gone under and if that had happened, the public would have seen the negative effect of that all over the place.
Taking over people's assets irrespective of the fact that it is backed by the law can be quite tasking considering the emotions and the hard feelings that come with doing the job. How do you strike a balance between professionalism and the hard feelings that come with doing the job?
Our primary job is recovery. We purchased loans from financial institutions, assist companies that genuinely need some help. But most importantly, we are pursuing more than 80% of our obligors to pay their debts. Our people have a bad culture of debts repayment. That is why if you lend money to a friend for instance, and he or she promised to pay back after two weeks, at the end of the second week if you are not careful, you will become his or her enemy. They would start frowning faces because they don't want to pay back. Now, relate this scenario to the billions of naira some people have collected without the intention of paying back.
Suddenly, an institution comes and say based on the creation of the law as approved by the Executive, the loans taken from commercial banks must be paid. What this means is that the only way to get back the money that some of those businesses took is through the collateral they pledged before taken the loan. In most cases, we found that some of these collaterals are as common as the houses the obligors reside in and we have no option than to take them, recover the money and pay back the debt. It is not a pleasant thing. Payment of a debt is not generally a pleasant thing unless your business is buoyant enough otherwise you wouldn't want to pay voluntarily. Any debt you have to compel a person to pay is not a pleasant one.
Big guys take loans – the Dangote Group, the BUA Group, the Oando Group, the Shell and Chevron of this world - all these multinationals take loans to run their operations, but you don't compel them to pay back such loans. They pay because there is a structure and they are always happy to pay because they know that is part of the process. But the moment an institution is put in a place to go and enforce the collection of debts then that is a big challenge. Otherwise, taking a loan in itself is not a bad thing. It becomes bad when you don't want to pay back and this creates a problem when somebody is entrusted to collect it from you.
The fact that somebody is put in charge of collecting the money you borrowed, which you are unwilling to pay creates tension. Fortunately, our law envisaged that kind of situation and it gave us the powers and the guidelines on how we should go about recovering monies. AMCON has not got itself involved in any kind of illegality, as far as recovering monies are concerned, since creation. People may have issues with what we do in terms of how we collect our money, but nobody can tell you that we collect it illegally, because we follow the law and laid down procedures.
How does the Asset Management Corporation of Nigeria and agencies like the Economic and Financial Crimes Commission complement each other's statutory functions?
As I said earlier, taking a loan in itself is not a bad thing. It is a commercial transaction. No economy can grow without a structure where people can access credit. However, not paying and not paying it on time or taking it through a fraudulent process creates a challenge. Sometimes in a commercial transaction, you do have a little criminal activity involved. That is where the Economic and Financial Crimes Commission comes in.
The EFCC helps greatly because the only thing we at AMCON can do particularly with our relationship with the obligors or banks is just to write. If we want a bank to give us documents relating to certain candidates, we can only write. The bank can decide not to give but with the support of sister agency like the EFCC, the banks are compelled to release such documents. The EFCC is an economic crime commission while AMCON is an economic support agency so we collaborate on the recovery effort.
The Asset Management Corporation of Nigeria (AMCON) often receive commendations and condemnations to the point that it is alleged that the Corporation is being used as a tool, what is your take on this?
First of all, there are two sides to this question. Number one somebody commending you and another person not commending you. I think this is quite a normal situation, because even in your house your wife could sometimes commend you and sometimes criticise you. What I am saying, in essence, is that even in normal situation you would find people who will commend and others who will condemn you. However, what one should always do is to be guided by the law and by one's conscience.
Now when they say a tool, the question is a tool for what? A tool in this context means that somebody creates a situation where he sets you up in order to hurt you. Now even if that is the case, did anybody asked you to borrow the money in the first place? Who asked you not to pay back the loan? Who asked you to run away? I can't understand how AMCON can be used as a tool to pursue the recovery of a loan…
…They alleged that some people are being pursued while others are left alone?
That is not possible, but even if some people are being pursued and others left alone, the question is did the people being pursed take the loans? And did they default? That should be the issue. If I have gone to pursue somebody who has not taken loan or who has not refused to pay his loan then you can say I am a tool but if you have taken a loan and it was sold to me by a commercial bank and I have your records in my book and you don't want to pay me; I have gone to the court and the court gave me an order to enforce the collection and you are saying I am a tool? The tool must be a very effective tool.
What categories of assets do you have in your kitty and what is their value?
We have all categories of assets. As I said earlier, we have bought almost 13,000 loans covering all aspects of the economy. We have all manner of assets in our books that cover all the strata of the economy. The value, however, differs from sector to sector, but generally speaking, the total value of the asset we have at the moment is not less than N2 trillion. It is, however, important to know that the value of an asset is totally different from the realisable value. For instance, if you want to value my office building today you can get value for it at N1.4 billion. But if you want to sell it, you may likely get somebody to give you N600 million. So the value of an asset is usually different from the realisable value.
What is asset valuation and why is overvaluation of asset hampering AMCON's ability to sell the assets it took over and what is the Corporation doing about it?
Of course, asset valuation is a simple process of establishing the value of an asset. If you have this building for instance and you want to know what it is worth in the market, there are professionals (Valuers) that would look at it and tell you the value. In doing this work, we bought what is called Eligible Bank Assets (EBAs) or loans from commercial banks and those loans are backed by collaterals commonly called securities. When you are taking over these loans the collateral must have a value. If the loan you take from a bank, for instance, is worth N10 million, what is the value of the collateral the bank is holding? If the collateral on your house is worth N20 billion then I can take your loan of N10 million naira, but if your house is worth N5 million and you have a loan of N10 million because of the accumulation of interest, you obviously know that I can't pay you more than the value of your property. So, valuation is imperative to everything we do.
There are some cases where obligors seek to forfeit an asset to us due to lack liquidity. We don't just take the asset and close the deal. We have to determine the value of the asset viz-a-viz his or her loan. Maybe the loan is N10 million and they say it is N12 million naira. In that case, we need a valuer to ascertain the real value and that is where the problem lies.
If you get a professional valuer to value this building today, I can assure you he would tell you it is somewhere around N1.2 or N1.3 billion. Realistically, however, if you want to sell it you will be lucky to get N700 million on the property. If a valuer values this property for me at N1.2 billion and your loan is N1.2 billion and I exchange it for your loan and I am only able to get N800 million there would be a shortfall of N400 million. The question now is who is going to pay for that shortfall?
This is one leg of what we are saying in AMCON. Another leg of it is that you pay valuers on the basis of the commission of the value they come up with. So once you asked a valuer to value this house even if it is N1.4 billion naira some of them would come up with value of N2billion naira because you would give him or her 5% of the so-called N2 billion. By the time you want to sell the house, you realise it is actually worth N800 million. That means you have a N1.2 billion deficit. Who will account for that?
At AMCON, we are saying the value of assets forfeited to us must reflect the real market situation because we are exchanging it for cash. If you are supposed to give me N10, I expect you to give me something that can fetch N10 naira when I take it to the market. If you give me soothing you claim is worth N15 and I can't sell it for N10 the worth means nothing to me. What is important to me is the value I will get if I take it to the market. That is why we always have this conflict between us and the obligors and between us and the valuers. Asset valuation would continue to be a subjective thing and we always tell them that our valuation criterion is on the basis of exchange for cash. Funny enough, some valuers can value a house for N1.4 billion. If you then give them the job of selling the house for you they would say you can't get it at that price because the market is not conducive. Meanwhile, he was the one that valued it at N1.4 billion. In any case, we try to work with them professionally to see how to eliminate all these conflicts.
Take us through the process of disposing of assets and how an asset can be successfully disposed of?
The Central Bank of Nigeria has an approved procedure guiding our practice. If we have any assets to sell, for instance, we must first advertise it several times in national dailies. Once this is done, we open it publicly and invite bidders to come at an appointed date and time. The bidding process is transparent and we sell to the highest bidder.
We usually have what we call reserved price. If you are my friend and you want to buy this house and I tell you that the reserved price is N1billion and you decide to bid N1.1 billion and another person who of course has no access to the reserved price but out of his or her own wisdom decided to bid for N1.2 billion there is nothing I can do to help you. Even if you know of the reserved price, there is little anybody can do to help you, because the process is opened and competitive. When we fail to get a buyer through this process we send our marketers out to look for buyers anywhere they can find them.
Aside from assets take over and disposal what else does AMCON do?
Assets take over and disposal is not the only thing we do. In fact, taking over assets is the result. AMCON is an intervention fund created to provide liquidity to financial institutions by purchasing some of the hard-core and non-performing loans. There are instances, where some of the businesses paid back their loans without AMCON going through the trouble of taking and selling their assets. Selling of asset is the last resort. It is only resorted to when an obligor failed to honour his or her obligation. AMCON is just an intervention agency and not an asset grabbing and selling agency.
What other things do you think the public ought to know about the Asset Management Corporation of Nigeria (AMCON) that would help prevent misconception of the work you do?
I want obligors that are fond of running away to know that we are here to help and partner with them. If you have an account in AMCON, please come and talk to us. We don't believe that there is somebody who has 10, 20 or N30 billion to put on the table. Some of our obligors have outstanding that amounts to 80, 90 and N100 billion. We don't believe they have that kind of money to give at once, but it is important they come and talk to us so that we can have a resolution restructuring understanding on how we can help them resolve the debt.
Having said that however, it is also important to note that the law is behind us and if you don't talk to us, we would take over any of the underlining assets and recover our money. Our appeal is that people should come and honour, accept, respect and commit to their obligations. They should tell us what their cash flow can do, tell us how AMCON can help and let us work together to find out how to support their businesses. Our primary objective is to recover those monies in whichever way and we believe that the best way is to communicate, because if we don't communicate with you the law establishing AMCON allows us to take over your assets without giving you notice.


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Mother Nature's Healing Powers: Hiking the PCT w/ Sarah Wallace
Never Stop Peaking on iTunes | Spotify | Google Play | Stitcher
When was the last time you were outside, laying on your back with your big beautiful eyes gazing at the stars without distraction? In those moments, the only thing that seems to run through my mind is the pure magic of existence, the gratitude of experience, and the humility of myself. Even if you can remember a night like this, I bet it's been nearly impossible to put a strand of nights together in this situation throughout your life. Most of us escape to the great outdoors only for a few days before we are suctioned back into the "work for money" life. What would it be like to disconnect for an extended period of time and live in the wilderness like our distant ancestors?
Sarah Wallace aka "The Darling Dirtbag" or "Vice" recently finished hiking roughly 2,650 miles on the Pacific Crest Trail, which spans from the Mexico border to the Canadian border, and it drastically changed her view of life forever. She noticed her personality warp, her compassion expand, and her sense of awareness explode to new realms. She morphed from extrovert to introvert in finding the serenity of spending time alone, but none of these miraculous transformations came without suffering, grit, or physical exhaustion.
I'm pumped to share episode 22 with Sarah because we explore who she was before the hike and who she is now. (and it's a beautiful switch) We also rage into conversations about the detoxifying forest, the power of true community, gear tips, living a meaningful life, and the benefits of synching with nature's circadian rhythm.
Sarah's Instagram: @thedarlingdirtbag
Sarah's Website: http://darlingdirtbag.com/
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Leave a Review and Help Support the school I work with, HELP-UGANDA. For every review, I donate $2 dollars. How to leave a review: www.heatharmstrong.com/review
RageCreate.com | SweetAssJournal.com | HeathArmstrong.com


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TRAPPED GAME MASTER at TOP SECRET ABANDONED LOCATION!! (exploring for mystery clues and riddles) - Buxrs.com
Published: 1 year ago By: Stephen Sharer
By: Stephen SharerPublished: 1 year ago
10, 501, 203 views
49, 400 Likes 4, 549 Dislikes
We found the Game Master!! Major shoutout to Honey Nut Cheerios for sponsoring this video. You can help collect Buzzcoin and Do Good! No purchase necessary. Ends April 15th . See https://www.beegoodrewards.com for more details and join team GRONK!!..... That is correct Sharer Fam, it appears the Game Master is doing good and giving back to charity. In last vlog, Stephen Sharer was "FREE FROM THE GAME MASTER TOP SECRET ABANDONED ESCAPE ROOM PRISON!! (Chad Wild Clay Clues Found inside)" where top secret mystery clues where found that led Stephen Sharer and his twin like sister Grace Sharer to a top secret location where the Game Master was trapped inside a giant cage holding a top secret mystery box package. What was in the mystery box was a new clue that led Stephen Sharer to exploring game master house and find more riddles to help unlock answers to help find out if the Rebecca Zamolo Game Master is good. But then Grace Sharer saw that inside the Share The Love Bug was some Chad Wild Clay merch and VY Qwaint came on the walkie talkie spy gadget so is the Game Master working with CWC? Could the #GameMaster be good?
👕 GET YOUR EPIC MERCH 👕 ➡ https://goo.gl/VTRnec
❇ Check out more GAME MASTER mystery spy clues: ❇
🕵♀ LAST GAME MASTER MYSTERY CLUE: https://youtu.be/YcHs7-Fb1HE
➡ Watch my friend's awesome videos:
Rebecca Zamolo: 24 Hours in an ABANDONED Attic above my HOUSE! (Game Master Has Fans Control My Life for a Day) https://youtu.be/Ej8E9jvG920
Chad Wild Clay CWC: TRAPPED IN ELEVATOR (Escape Room 24 Hours Overnight Challenge Riddles) https://youtu.be/wQy9aM7nW9Q
VY QUAINT Helping Chad Wild Clay Escape from Trapped Abandoned Elevator Escape Room)
Stephen Sharer CAUGHT GAME MASTER STEALING THE LAMBORGHINI SHARERGHINI with TOP SECRET SPY GADGETS!! https://youtu.be/O-af1p8Mx8E
👕 GET YOUR EPIC MERCH 👕 ➡ https://goo.gl/d2hUop
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This video is only for entertainment purposes. Do not attempt to recreate any of the acts in this video, as they may be dangerous if not done correctly, and could result in serious injury. If you rely on the information portrayed in this video, you assume the responsibility for the results. Have fun, but always think ahead, and remember that every project you try is at YOUR OWN RISK.
This footage is property of Stephen Sharer and is not allowed to be repurposed without written consent from Stephen Sharer. For any requests from media contact us at firstname.lastname@example.com


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Review by Charlotte Vaughan
What the Critics said:
"A sweet night out" – -Timeout-
"A sugar-high of enchantment" – -The Stage
A night out at the theatre is such a special treat for families and when we were given the opportunity to visit London and see Charlie and the Chocolate Factory this summer we all jumped with joy! Enchanting and award winning musical Charlie and the Chocolate Factory celebrates its third anniversary this year. With two Olivier awards and a lot of broken records at the Theatre Royal Drury Lane, it's already been seen by over 1.4million people so far.
Charlie and the Chocolate Factory opened in 2013 at the Theatre Royal Drury Lane near Covent Garden in London. The Theatre is situated in the heart of the Covent Garden closely located to all the restaurants and shops, perfect for making a special day out with the family. Tickets are available from www.theatretickets.uk for a family of four.
We visited the theatre on a very hot and sunny afternoon and were so impressed with the beautiful theatre that was very spacious inside, we treated ourselves to pre-theatre drinks in the bar overlooking Covent Garden.
Charlie and the Chocolate Factory is another of Roald Dahl's stories to be adapted for the stage, following the hugely successful Matilda the Musical. Hailed as a 'glossy, riotously colourful production' by the Evening Standard, and winner of two Olivier Awards, you might fully expect to be plunged into the crazy world of Willy Wonka, but nothing will prepare you for the spectacle that followed.
Charlie and the Chocolate Factory is directed by the talented Sam Mendes (Skyfall, King Lear), Charlie and the Chocolate Factory has to be one of the most imaginative, creative productions to grace the West End, and will leave you and the kids utterly spellbound from start to finish.
The audience is delighted and transported through Charlie's world of imagination into a feast of colours, astounding sets, captivating (and funny) performances and memorable songs. Set and Costume Designer Mark Thompson has truly outdone himself, creating the world that every child imagines when they first read Roald Dahl's book. The sheer complexity of these huge set pieces is astounding; they move about seamlessly on the stage with entirely new scenery for almost every scene. Lighting Design by Paul Pyant complements it beautifully, bringing to life the colour and craziness of Willy Wonka's world.
Charlie and the Chocolate Factory is one of our favourite books at the moment, reading it with our 7 year old and follows the story of Charlie Bucket, a young boy who wins a golden ticket to see the weird and wonderful Wonka Chocolate Factory. Charlie and the four other winners go beyond the gates in the hope of winning a lifetime supply of chocolate, but they soon discover that Willy Wonka and his Chocolate Factory are not as sweet as they seem.
The story was brilliantly adapted for the stage, pure brilliance from all the actors that play little Charlie Bucket, all the children in the show are fantastic performers and Jonathan Slinger as Willy Wonka is particularly brilliant, dressed in a traditional purple tailcoat and bottle-green trousers just as Roald Dahl describes in the original book.
This is one of the rare shows in the West End where the whole cast is incredibly strong, and every single person is clearly having a great time performing, we did feel that the lyrics and the music weren't as strong as other West End Shows and definitely not as strong as Matilda but the whole family were definitely memorised throughout the show.
This was helped with such great lighting and stage effects and fantastic choreography by Peter Darling (Billy Elliot, Matilda) that keeps the show looking very fresh and young.
Charlie and the Chocolate Factory is definitely one of the most entertaining shows currently in the West End. Every aspect of the production ties together to create something that is beyond our wildest imaginations. This is a fun, uplifting and stunning treat, with surprises round every corner. It really must be believed to be seen.
Who Should See it?
For all kids aged 8 to 80. Whilst children will be mesmerised, you don't need to have a family to enjoy this fantastic show.
Where to Book
Book your tickets for the Charlie and the Chocolate Factory musical at www.theatretickets.uk


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2012 MINI Rocketman Olympic Concept
MINI Rocketman Olympic Concept
car segment:
body style:
We already know that MINI is a staunch supporter of the 2012 London Olympic and Paralympic Games. But true to their quirky and aggressive nature, the German automaker took to a different level to show it's support for the Olympics.
If special edition MINI Coopers and videos aren't enough, MINI has decided to release a special edition model of the Rocketman Concept. Nevermind unconfirmed reports that the Rocketman Concept has been canned; MINI still sees some strong branding mileage in decking their concept model with an extensive exterior and interior make-over.
The concept vehicle is not a production model, which is a real bummer. But with all the enhancements it has received, we sure wouldn't have any problems see it in dealerships in the future.
The 2012 London Olympics is a little over a month away, and MINI picked the perfect time to release this special edition concept. Too bad it's going to remain strictly that.
Find out more about the MINI Rocketman Olympic Concept after the jump.


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(1) サイズ: 3/16-3-1/2"
(4) 表面処理: Zinc Plated, Plain,Hdg,Zy
(5) 長さ:1m-4m お客様の要求に従う生産も可
(6) 規格: Astm
(7) 生産量:3000-5000 トン/月
(8) 単価: Fob、Cnf、Cifなど
(10) 船積港:上海、寧波、乍浦
With the registered capital of 40 million RMB and the total investment amount of 80 million RMB, Zhejiang Junyue Standard Part Co.Ltd. is a specialized producing manufacture of threaded rods which was founded in the year of 2010.Whose former name is Jiaxing Xinyue Standard Part Co.,Ltd. Located in the middle section of Shanghai-Hangzhou Super-highway, west to the Biggest Bridge—Hangzhou Bay Bridge, the company occupies an area of 56100 square meters.
Specializing in threaded rods and with the monthly output at 4000-5000 tons, the company yield at Class 4.8,5.8,6.8,8.8 and 10.9,Grade 2,5 and 8,B7,S.S 304,S.S316,BRASS. The standards include American, German and English standard. The length in American and English reaches at 144" and in German standard reaches at 6 meters. The company has his own electroplating department and heat treatment department, who could cover all the processes by itself.
Sticking to the principle "Quality is the lifeline of the company", exploring global market and striving to higher target, the company strives to offer high quality products, competitive price and best after-sale services.
We seek trade partners to make win-win deal.
Our customers around the world
please leave your Email or phone nomber, so we can contact you as soon as possible
1. Q: How can I get the samples?
A: If we have the stocks of your required product, we can send it out within 1 day, but the freight should be paid by you. the sample is free. if we do not have the stock of your required product, we willdo it for you.
2. If I need my own sizes?
"A: We need to make new moulds for your own size, and this will cause tooling cost but it can be refunded after order qty reach what we required. So normally we would suggest you can use our similar mould size existed."
3. Are you a direct manufacturer or exporter from China?
A: We are a direct manufacturer, we have our own factory, welcome to visit.
4. Can I check the quality of goods before shipment?
A: yes, welcome.
5. How the goods are delivered to us?
"A: For small quantity, we advise to deliver by courier, like Fedex, UPS, DHL, ect. For big quantity, we advise to ship by sea. We can send goods to your Shipping Forwarder(FOB price). Or if you don't have one, we can quote you CIF price."
6. If we found some quality problem on your goods before shipment, how should we do?
"A: if meet quality problem, we will check whether it's our problem or not, if it's our problem, we will re-produce the goods to catch your requirement."


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At Just Shutters, we are truly thrilled to be the local plantation shutter experts in the charming seaside town of Margate; known for its sandy beach and vintage amusements. Just Shutters has grown from a small family business to a thriving national company. We have grown whilst maintaining our ethos of providing the highest quality customer service. We pride ourselves on providing our customers with stunning shutters at the value prices with a personal service. Therefore, for Margate plantation shutters, there is simply no other option than Just Shutters.
David Stansbury is our Margate plantation shutter expert, he is an entrepreneur who has lived in Kent all his life with a passion for providing customers with bespoke and original shutters.
Our interior shutters give your home originality and a plush finish, but there is so much more to shutters than just their appearance. Plantation shutters, also referred to as window shutters, are a smart investment for your home as they are incredibly low maintenance and long lasting. Benefits of our bespoke shutters include:
-Improving the privacy and security of your home
-Providing the ability to adjust the natural lighting coming into your home whilst keeping unwanted noise at bay,
-Actively reducing allergens (such as dust present in curtains),
-Being incredibly easy to clean – just wipe away any dust!
Our shutters are truly bespoke, coming in a range of styles, louvre sizes and colour choices – our Margate plantation shutter experts will provide a thorough consultation and ensure your shutters are matched to suit any décor you have in your home
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We truly believe that our experts in Margate are the best in the area, but don't just take our word for it! Our customer's reviews are a testament to our hard work. See what our customers have to say below plus many more on 'checkatrade'.
Our superb shutters!
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Shutters x3 windows
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David Schwab ( david.schwab )
- The motivation for this project is to lay the groundwork for studying the relative roles of physical, chemical, and biological factors on the ecology of Lake Erie at a variety of space and time scales. Lake Erie was chosen as
2017-05-11 to 2020-12-31In progress ProjectResearcherRead More
- This project is part of the NOAA Oceans and Human Health Initiative external research grants funding program. The overall goal of this project is to develop better ecosystem models for predicting the fate
2017-05-11 to 2020-12-31In progress ProjectResearcherRead More


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All pictures here were taken with my iPhone because my camera hasn't been functioning well. I got my new camera late last week, so I'm very excited about that.
Amberly participated in our ward's first (and possibly only) Activity Days Powder Puff Pinewood Derby.
Our neighbor Kathryn recreated this pig cake for Molly's 4th birthday and her sister Jessica's 16th birthday. We celebrated their shared birthday together with dinner and cake.
Molly's Primary teachers surprised her with a balloon and her favorite candy. She was beyond thrilled.
Molly started preschool. One of her field trips was to Home Depot where she got to build a bulletin board. She also had a fun Easter party at school. When she got home she announced: "Daddy! I have a bowl with eggs and belly jeans!"
Lilly, Molly and I went to the park on one of the few warm days. Lilly has been sick so much lately. She's missed school because of a cold, influenza and later an ear infection. She's still so sweet though.
We went to my parents' home in Vernal for Easter weekend. My grandma was also there (isn't she so cute? Can you believe she's almost 89?!). She's a great sport and we all love spending time with her. We had a great Easter Egg hunt and all my parents' 23 grandchildren were there, though they didn't all get in the picture. Fortunately, we had absolutely beautiful weather so that we could spend most of the weekend outside. I got a little sunburn, of course.
My brothers got creative hiding the eggs.
The guys built a sandbox under the tree house. The kids were happy and dirty.
All the kids took turns riding Cookie, their favorite horse. Cookie was born on Easter weekend when I was just a girl and is very old now. We took lots of photos since this may be their last time seeing Cookie. Honestly, it was a little distressing. She was my favorite horse. The horse I "claimed" as my own. She was the foal of my dad's favorite horse Ginger and it was that much more distressing to see my dad so sad. We get a little attached to our horses.
And we ate of course. We had an awesome crowd for dinner on Saturday. All six of my siblings, their spouses and our 23 kids were there with my parents and my grandmother. I love a full house.
Lilly was not feeling well at all (turns out that she had an ear infection) so she didn't get to go to church on Easter Sunday. But the rest of the kids got dressed up in their new clothes and we headed to church with my parents.
The horses are still looking scraggly after a long, hard winter. Amberly was excited to help grandma brush them out.
During Spring Break, we spent an evening enjoying the beautiful grounds at Temple Square.
We went to Utah Dad's parents' home for LDS General Conference. As is tradition, Utah Dad joined his dad, brothers and nephews for the Priesthood session. We all really enjoyed conference again this year.
Once the kids went back to school after Spring Break, Utah Dad and I got busy on our bedroom remodel. We ripped out the carpet and tore out the base boards and molding around the doors and windows.
Then we painted the walls gray. Technically the color is called "Shaken Not Stirred" which makes Utah Dad ridiculously happy.
It took us another day to lay the new laminate flooring and put new baseboards and molding around the doors and windows.
We're still deciding what to put on the walls, since I have decided that 17 years with George Washington hanging over my bed is enough.
Amberly was honored this week as Student of the Month. Yesterday was also her 10th birthday. She's growing up so crazy fast. Just love her.
So there you have it, just a little proof (even though I'm not in the pictures) that I've gotten dressed lately. Hope everyone else is having a great Spring.


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By Bishop Ann Svennungsen
How important is it for a pastor to know how to form and lead a healthy community? In addition to teaching pastors how to preach, teach, and provide pastoral care, should seminaries teach students the skills to build community?
This was not a part of the curriculum in the 1980s when I received my M.Div. My classmates and I believed that, when we were called to a congregation, we basically "inherited" a community. The community was already there, already formed. Our job was not to break it.
"What are practices you believe are essential for healthy communities?"
Today, church leaders ask if something vital is lost by our failure to intentionally prepare pastors for this work. I am part of a cohort studying exactly this – a group of pastors, theologians, and bishops funded by a generous grant from The Lilly Endowment.
We just finished a conversation on Christine Pohl's Living into Community: Cultivating Practices That Sustain Us. Believing that beloved communities are one of the critical ways we witness to the grace and power of God in the world, Pohl suggests four key faith practices that are essential to building healthy communities:
- Gratitude
- Promise-Making and Promise-Keeping
- Truth Telling
- Hospitality
AT THE SAME TIME as I've been reading Pohl's book, our synod staff has been studying Patrick Lencioni's work on Team Building. I've been delightfully surprised to notice the convergence between the two books. According to Lencioni, a healthy staff team commits to five key practices:
- Trust
- Commitment
- Openness to Conflict
- Accountability
- Attention to Results
There's lots of alignment between Pohl and Lencioni. Still, what they ask of us isn't always easy. Some of the practices are difficult. And, some are easier for you than they are for me. (For instance, this descendant of Northern European immigrants isn't a natural when it comes to saying that "openness to conflict" is a good thing.)
I wonder how we might learn from each other – how we might strengthen this conversation in our synod. What are practices you believe are essential for healthy communities? When have you experienced healthy/unhealthy community? What have you learned?
In these ordinary days after the Festival of Pentecost – sometimes called the season of the church – maybe we can focus on such questions. And we can work intentionally towards our church as home to many beloved communities.


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How could I pass up this classic photo-op? Another TBT contribution from my Once Around The Sun project of 5 years ago.
Looking back at the blog post I wrote for this photo, I'm glad I typed up my thoughts and observations along with the photos. So often in Vancouver, the western horizon can be bright even when the city is under grey clouds, and a number of the photos in my photo-a-day project have this kind of feature. Sometimes it's the weather clearing at the end of the day and sometimes it's just that the better weather hangs out to the west of the Lower Mainland. But in my case, it usually just reflects the fact that it took me most of the day to get round to going to look for a photo to take…!
Of course I didn't remember all that when I chose this photo for TBT. Instead, I liked the simple and classic composition: a straight line neatly dividing the frame into a 1/3-2/3 colour and texture split. The end-on ship is a nice touch too, which is something I remember noticing at the time. Still, I cropped it and spruced it up a little for Instagram (which still doesn't handle portrait 3:2 photos).


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I hope these nice photos will be a good reason to check all the places on your own.
Girl with a pitcher fountain
This city was named in a honour of a great russian poet and writer Aleksand Pushkin. The museum complex consists of 2 palaces, one of which is famous for an amber room (Catherine's palace), and an amazing garden with picturesque views.
Important information
Be aware of the days off of the palaces (check the official website below), try to come to Catherine's palace as early as possible to skip the huge lines which are always there.
If you want to see Catherine's palace AND the park, you can buy a combo-ticket which costs less than 2 separate ones.
- Catherine's palace- Amber room
- Cathrine's park
- Alexander palace
- Alexander park
- Tsarskoye Selo Lyceum which is now a part of a Russian Pushkin Museum (a good place to visit if you want to know more about a great poet Pushkin and Russian history of that time)
Official website
There you can find some historical notes about the places that you are going to visit, the photos, some plans of the places of interest and, of course, information about fees and schedule. All the information can be saved and/or printed.
Pushkin: how to get there
The Tsarskoye Selo State Museum
7 Sadovaya Street, Pushkin, St Petersburg, 196601
(25 kilometres south of St Petersburg downtown) – if you are going there by a public transport (bus or a minibus), you will have a stop at "Оранжерейная улица" (Oranzhereinaya ulitza), there you will need to keep walking to an intersection with Садовая улица (Sadovaya ulitza). You will need to turn to the right. In the end of the street you will see a church – go straight and you will see ticket booths. When you are going back to the city, go the same route in the opposite direction, skip Оранжерейная улица, keep walking to a Конюшенная улица (it will be next). On the right side you will see the bus station.
The information below is taken from the official website http://eng.tzar.ru
Getting here from Vitebsky Railway Terminal or Kupchino Railway Station of St Petersburg:
Suburban train to Tsarskoye Selo (Pushkin) railway station, then bus 371, 382 or minibus taxi 371, 377, 382 to the Catherine Palace and Park. If you want to go by train, you can also check information on this resourse.
Getting here from Moskovskaya Metro Station of St Petersburg:
Minibus taxi 342, 545 to the Catherine Palace and Park;
Or, bus 187 or minibus taxi 286, 287, 347 to Tsarskoye Selo (Pushkin) railway station, then bus 371, 382 or minibus taxi 371, 377, 382 to the Catherine Palace and Park
Getting here from Zvezdnaya and Kupchino Metro Stations of St Petersburg:
Bus 186 to the Catherine Palace and Park
You can see the photos of that amazing place in Instagram by searching #Pushkin, #Пушкин


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M'Connachie and J.M.B.: Speeches
M'Connachie and J.M.B.: Speeches
This is a volume of the speeches of James Barrie. The first thing to be remembered about any speeches anywhere is that they are meant to be spoken. If, when they have been spoken, they are read, the just estimate of them will depend greatly on the reader's awareness of the speaker's personality.
Some great speakers I see exactly before me as I read. Yes, as though I had known them--Burke, Abraham Lincoln, Bright, Gladstone. Do you, when you read these speeches, see Barrie?
What was he really like? I don't know, and what is more, I don't believe that anyone ever knew. Perhaps I am audacious in saying that, for I myself met him very seldom.
My first encounter with him was also my best. It was in 1910, and I was an excited young man at a famous hostess's dinner-table. Next to me was seated a very famous American woman novelist, and on her other side was Barrie. Of all women novelists this one was the most arrogant, snobbish and self- satisfied. After she went upstairs with the other ladies Barrie turned to me and said: 'Wasn't she horrid?' From that moment Barrie was enchanting.


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5 ways you can use video to promote your business
Are you using video to promote your business?
It's something you could perhaps have got away with ignoring until the last couple of years, but now there is no denying that video can have a massive impact on your business.
A survey* earlier this year generated some interesting stats:
- 95% of people have watched an explainer video to learn more about a product or service.
- 81% of people have been convinced to buy a product or service by watching a brand's video.
- 81% of businesses use video as a marketing tool – up from 63% at the start of 2017.
These statistics aren't surprising. Unless you've had your head completely and utterly buried in the sand, you can't have failed to notice the abundance of video in almost every area of our lives.
Video captures people's attention, and it is also an excellent medium for explaining things clearly.
If your boiler has a minor fault you can Google the fault code and see if there's a YouTube video showing how to fix it.
If you want to be sure that a product or service is good you can watch videos of people reviewing it.
And we all make many more video calls than we used to, with Zoom, Skype and FaceTime becoming completely normal methods of communication.
So how do you embrace video in your business and use it to help you win more customers?
There are a number of ways you can do this, and they're all worthwhile methods of upgrading your marketing and engaging with more potential customers.
- You can use time-lapse photography to capture building projects from start to finish, giving you a video you can use in your marketing to show the size and scope of the projects you work on.
- Sweeping drone footage set to music can give a powerful view of a building project you've been involved with (clearly you need the relevant permissions, and you need to be sure the drone pilot you're using has a licence and understands the relevant legislation).
- You could use video to introduce you and your team to potential customers and to explain the services you offer. You could even use a service such as BombBomb to send out follow-up emails in video format.
- You can create a vlog – a regular video blog – and cover similar topics to your written blog. If you answer common questions that your clients ask, then this will create a good resource for potential customers as well as increasing traffic to your website.
- Post "Facebook Live" videos such as question and answer sessions or training courses that are useful to the kinds of people you want to attract as customers.
These are just a few different places you can start, but there are multiple ways to make the most of video. I've seen people in the business community who have transformed their business by posting a video each week onto various social media platforms.
An important tip is to make sure you get your videos captioned, using a service such as rev.com. Most people are scrolling through social media with the sound OFF, so you'll get many more video views if you use captions.
It's a great way of helping people get to know you and your business. If you deliver regular, useful content via video then people will develop a trusting relationship with you over time. Plus it's a very good way of showcasing your work.
At Super Structures Associates, our core business is structural engineering, but we do like to keep up to speed with marketing developments and other business growth strategies. If we can help you with anything – structural or otherwise – please let me know.
P. S. * Statistics from the Wyseowl "The State of Video Marketing 2018" survey, on the HubSpot website.


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Villa Gastel, on Lake Como.
Vintage Sanderson wallpaper in the Roses Room.
Guido Taroni, in the courtyard of the former convent, which was built in the 12th century.
Anna Gastel, Taroni's mother, in a salon of the house, with the sculpture Leda With Swan behind her.
Carla Erba, in 1911.
Luchino Visconti and his sister Uberta, in Rome, 1950, with a drawing by Antonio Argnani of their mother, Carla Erba.
Erba, in 1911, with her children.
The Gray Room, in which Luchino slept.
The Salotto Verde's ceiling is in the Pompeian style.
Another view of the courtyard.
The neo-Gothic salon on the ground floor.
A view of the dining room.


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The oldest person I ever interviewed was Helge Ingstad, the famed Norwegian explorer who discovered the old Viking settlement at L'Anse aux Meadows, Newfoundland. That put to rest Christopher Columbus discovering America since the Vikings had beat him by 500 years. Ingstad was 100 years old when I met up with him at his home just outside Oslo, and he would pass away the following year.
But of all the people I have ever interviewed the one who lived the longest was Julia Ruth Stevens, daughter of Babe Ruth. Julia, who passed away last week at the age of 102, was the last remaining member of the Ruth household.
She was a neat lady with a razor-sharp memory, keen sense of humor, and passion, especially where it concerned the man she called Daddy.
Portions of my lengthy interview with her when I spent an afternoon at her home are up on www.BabeRuthLegacy.com under Babe Ruth Legacy interviews. And as they say on CNN, it's worth a listen.
Babe Ruth was a big part of Julia's life until his death in 1948 when she was 32, and her insights into the kind of person he was are precious. She told me about the fun-loving, outgoing Babe who adored kids, who never had a chance to be one himself, and who just had this uncanny knack for doing everything he did … well.
He would wake her up at 5 a.m. when she was a young girl to join him for breakfast. Just the two of them. He taught her how to dance. He gave her his blood when she was in hospital and needed a transfusion. He gave her away when she got married. And, said Julia, "he would never fail to keep a promise."
Maybe the funniest part of my time with her was when we were talking about the incredible value of Babe Ruth-signed baseballs, and the fact she didn't possess any of those baseballs herself.
"The only signature I ever got was on a check," she said, and then laughed.
You can tell a lot about people by how they laugh. Julia's laugh was one that said she enjoyed life, she enjoyed people, and she certainly liked having fun.
I am so glad I got to meet her.


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24 Belgium: What is infinity? by Pascale and Jean-Denis Lilot
In this 25x3min series, children from different continents around the world answer life's deepest questions. Episode-24 takes you to Belgium where children in their own intimate surroundings are asked - What is Infinity? The beauty of the series lies in the fact that the answers go far beyond the children's cultural framework and innocently disclose the human values that connect us all.


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Review: 4/26/2016
I had the opportunity to go out to our local gun range with Doug, Frank and a few other shooters. Doug and Frank who are the shooting instructors where full of information and very helpful and patient with me. We shot about 100 rounds and dinner was provided and was absolutely delicious. I am now looking into purchasing my very first handgun :):)
Sydney K. ( Colorado )
Hosts: Doug and Frank
Crowley County has a fully functional range just north of town. Participants can bike or drive 3 miles to the range for 2 hours of shooting instruction and practice : including learning about the importance of guns in the American way of life. There are two different shooting activities dependent on your level of experience.


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Jillian Catherine Roels, was crowned Miss Puget Sound 2018 at the Open pageant at Carco Theatre, Renton on April 8.
She will be competing for the title of Miss Washington with the Miss Washington Scholarship Organization on June 30. Miss Washington goes on to compete for the Miss America crown in the summer.
Jillian is a graduate of Redmond High School '12 and Gonzaga University '16 where she was a Deans list recipient majoring in Sociology with a minor in Psychology.
Jillian was a collegiate cheerleader during her time at Gonzaga. Her platform is her own organization, Spark Your Heart, a nonprofit dedicated to creating and inspiring random acts of kindness. She is a Pediatric Mental Health Coordinator at Seattle Children's Hospital.


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No Pants Metro Ride 2014 [Washington DC] Hosted by Capitol Improv:
"Sunday at 2:00pm
Meet at Hancock park by L'Enfant Plaza Metro – We will have a brief pre-ride meeting starting at 2PM and release people into the metro thereafter for the ride.
If you want to continue the party, there will also be an afterparty at Level One / 30 Degrees near the DuPont Circle Metro starting at 5 for drinks, food and no-pants fun. Google Maps link here: http://tinyurl.com/nya3uxh
Remember – the goal is to appear as if you had no idea that you were missing pants or that you knew but didn't think it was a big deal.
Make sure you have a place to keep your pants on your person and hidden like a bag or backpack.
Also – if any figure of authority tells you to put your pants back on, do as they say. Unfortunately indecency laws are entirely subjective and while we haven't had any major problems in the past, we'd like to keep on DC Metro's good side so the event can continue for years to come.
See you at the park!"


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A new lead pastor in 2017
Yesterday Stromlo Christian Church held a general meeting to determine whether Dan Evers would be appointed as Lead Pastor following my departure in 2017. We can joyfully report that Dan has received the emphatic support of our members to take up this role. Please be praying for Dan and Skye, and our church in this important process of transition.
DaveCategories: Pastor's message


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One More Child is seeking to employ a Jacksonville based Regional Director for North Florida. The Regional Director is the leader in their region and helps bring together the five ministry areas of One More Child in order to accomplish its mission. The Regional Director provides comprehensive church and community development services in support of the organization's vision, mission, values, strategic plan, goals and development philosophy. Through relationships and presentation, the Regional Director secures partnerships with churches, community groups, key government leaders, and businesses. The Regional Director cooperates with the Engagement team to develop strategies for enhancing church and community support by identifying a portfolio of churches, community groups, and businesses for relationship management. The Director also oversees volunteer, child hunger, administrative staff, and maintenance staff in their region.
Applicants must have at minimum a Bachelor's Degree, those with Master's degrees will be given preference. Experience in public speaking, project management, development and PR, budget management, and strategic planning are also desired qualities. Knowledge or experience in orphan care ministry is preferred.


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Hotel Offers
The latest Hotel offers at The Wiltshire
Start the weekend Early
Ease into the weekend with full use of our leisure facilities, including a 25 minute massage treatment per person. Then enjoy dinner, bed & breakfast and a glass of Fizz.
£129.00 based on two people sharing a double or a twin room.
Available on Thursday, Friday and Sunday.
Treatment together in a double treatment room.
To book one of our hotel offers, call the hotel on 01793 849999


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NUMB – Cory Teunissen
Cory Teunissen has a deep bag of tricks. From technical to stylish Lewy Watt captures Cory doing what he does best in this short called Numb.
Read More
…. calm down kid…..
haha sick edit. I like the double stale roll for the ender over the 12
What was that, 4 different doubles, 2 1080s, 12!?, mobe 7…
i cant read the text.. this page is messed up i think,
Hell yeah Cory! Absolutely ripping!
Not usually a fan of fast spinning, but that 12 was impressive. I had to rewind to make sure I saw it right. Effortless wake to wake 12. Man, I'm old…