text:
Definition Of Generic Pharmaceutical Company Business Model Economics Essay
3011 words (12 pages) Essay
1st Jan 1970 Economics Reference this
Disclaimer: This work has been submitted by a university student. This is not an example of the work produced by our Essay Writing Service. You can view samples of our professional work here.
Any opinions, findings, conclusions or recommendations expressed in this material are those of the authors and do not necessarily reflect the views of UKEssays.com.
This is an essay to identify CIPLA a generic Pharmaceutical company's business model and to explain the reasons why the company has to change its existing business model. This is done by first identifying the term business model and then using the definition to explain the business model adopted by the company, also determining the inherent changes in world policies and economic environment that prompt the change of the present business model. The second part of the essay addresses the issue of the conflict between the big ethical pharmaceutical companies' and the relatively smaller generic pharmaceutical companies' business models. This is addressed by highlighting the big pharmaceutical companies business model and comparing the two models (which will reveal the nature of their competitive relationship) there by identifying if there seems to be a convergence in their models and they are both becoming competitors in the same market or companies producing the same products but competing in different markets or companies where a symbiotic relationship has become inevitable for their survival in this present economic situation.
"Conceptualization" of a Business Model.
A definition of a business model is required to highlight the context to which CIPLA's (a generic pharmaceutical company) business model can be identified. During my research I encountered various concepts of a business model such as the definition given by Chesbrough and Rosenbloom (2002) 'a coherent framework that takes technological characteristics and potentials as inputs, and converts them through customers and markets into economic outputs' (p.532), comparatively, Rayport and Jaworski (2001 cited in Wimmer 2004) defined a business model as the four choices of (1) a value proposition or a value cluster for targeted customers (2) a market space offering which could be products, services, information or all three (3) a unique dependable resource system and (4) a financial model. However Shafer, Smith et al (2005) suggests 'that a representation of a firm's underlying core logic and strategic choices for creating and capturing value' (p.202); is a design or creation, not an accident; what structures are in place to ensure firms capture value.
Factually no sole definition can adequately cover all aspects of the term business model; I will endeavour to use a combination of all the stated business model definitions to better recognize the Generic pharmaceutical company's business model. I focused on the definition of this model first as most generic companies including CIPLA initially followed this business model before the need for change in 2005. The focus on India is also due to the fact that CIPLA originated from there.
Definition of Generic Pharmaceutical company business model.
Generic pharmaceutical company business model in India is characterised by the production and selling of copy cat pharmaceutical drugs discovered and developed by the big ethical pharmaceutical companies such as GlaxoSmithKline (GSK), this was achieve through the reverse engineering of the drugs invented by the big ethical Pharmaceutical companies and sold at lower costs. This was made possible in India due to the availability of cheap labour in the country, the favourable environment encouraged by the Indian government at the time which allowed low restriction on process patent and little or no conformity with WTO regulations. This was confirmed by Greene (2007) who wrote that 'government policy culminated in various actions including: the abolition of product patents on food, chemicals, and drugs; the institution of process patents; the limitation of multinational equity share in India pharmaceutical companies, and the imposition of price controls on certain formulations and bulk drugs'. He also highlighted that 'India has garnered a worldwide reputation for producing high quality, low cost generic drugs'.
Financial evaluation of CIPLA's business model
Using the Profit and loss account for 2000-2010, sales turnover steady increases from 2000-2004 but in 2005 there is a decline of about 10% which can be attributed to the implementation of the WTO law that affected the number of drugs available for replication. This also affected the earnings per share which dropped from about 51 to about 13 in 2005. Investment and debt also showed a steep decline of over 100% from 2004-2005, this corresponds to the change in business environment which can infer a reduction of debt incurred for drug production.
However the excise duty showed steady from 2000-2005 indicating company focus on domestic market but in 2006 there is a steady decline in excise duties paid and this can be as a result of increased exportation of drugs following a change in business model.
Change in CIPLA's Business Model
The era of this type of business model however draws to an end as various changes in the economic situation and world policy will threaten the very successful model in which the generics pharmaceutical companies in India have been thriving. In 2005 Indian government changed its law concerning patent drugs and fell in line with World Trade Organization (WTO) Trade Related Intellectual Property Agreement (TRIPs) this limited the production of certain drugs that was filed as a patent from January 1, 1995(Greene 2007).
Another important point is that the rate at which ethical pharmaceutical companies are coming up with new blockbuster drugs is slowing down, with a shift from Research and development (R&D) to marketing. This is as a result of the enormous cost to bring to the market a new drug ranging between 802million – 1billion over a period of 10-15 years (Mogalian, Myrdal 2004). As inferred by Martinez and Goldstein (2007) statement that 'the century-old approach of finding chemicals to treat diseases is producing fewer and fewer drugs'. Yusuf Hamied (CEO of CIPLA) stated that 'the World Trade Organization regulations, which since 2005 have prevented Indian generic drug firms from copying patented drugs, signifies that Indian generic companies have to change their business model or risk being swallowed up by multinational firms.' (Livemint, 5th January 2010).
Most generic companies in India adapted to this setback in their business model by transferring focus from domestic market in India and increase export of generic drugs to the United States and Western Europe, entering into R&D agreements, mergers and acquisitions of foreign drug companies and developing alliances with foreign pharmaceutical firms. CIPLA however chose a slightly different approach than most pharmaceuticals by focusing on organic growth in India and only seldom indulging in strategic business alliances, technological services (such as knowhow transfer, plant supply etc) and in licensing with big pharmaceuticals. CIPLA also increased their export of generic drugs to the United States and Western Europe.
Some points in CIPLA's corporate presentation in August 2009 highlight the company's focus:
Business model based on international strategic alliances- Business focuses on organic growth and leads to reduced capital commitment and regulatory/litigation risks.
R&D targeted at ensuring efficient utilization of resources and focused at developing and launching niche products.
The graph below shows a steady increase in the value of India's pharmaceutical R&D expenditure from 2001-2006 as a result of a shift in business model.
Source: William Greene, US Trade Commission (2007) 'The emergence of India's pharmaceutical industry and implications for the US generic drug market', US Office of Economics Working Paper 2007-05-A
Business models of "Big, Ethical" pharmaceutical companies and the consequent reason for change of model.
The big pharmaceutical company business model is the traditional pharmaceuticals company business model which comprises of large scale Research and Development departments which discover new drugs for diseases and the sale of those drugs to consumers .This is a rudimentary definition of their business model as it also entails many more components than those mentioned above for instance in recent times we see a shift of emphasis from the research and development to sales and marketing campaigns due to the competitive nature of the environment.
A branded drug product is originally discovered and developed by a pharmaceutical company. In order for the company to market and sell their product they must first gain approval from the Food and Drug Administration (FDA) by submitting a New Drug Application. In this documentation the company submits data to establish a drug's clinical safety and efficacy. Other studies determine the characteristics of the drug dosage form, including the manufacturing process, drug stability, purity, strength, and how it dissolves. Once the drug receives FDA approval, the innovator company can then exclusively market and sell this 'brand-name' product for as long as the company has patent protection. (Mogalian, Myrdal 2004)
However a new external threat has evolved apart from the usual competition of rival companies in the form of Generics pharmaceutical companies. These companies as mentioned in prior section of the essay have used the process of reverse engineering to create cheaper replicas of the drugs produced by these big pharmaceutical companies and selling the drugs at cheaper costs to consumers. This has been of great profit to the generics companies as they had to indulge in little or no cost consuming research and development to come up with the drugs in the first place and the availability of low cost of production was just an added advantage to their business model. Martinez and Goldstein (2007) noted however that the rise of generics wouldn't matter so much if research labs were creating a stream of new hits. But that isn't happening.
Though the industry doubled its investment from 2002 till 2006 in R&D it yielded 43% less than it had in five years during the 1990's of chemical-based drugs. There is a change in the business environment for generic companies in India however with the 2005 adherence to WTO laws. They generics companies are focused on R&D to produce their own patent drugs and generic drugs have become more accepted in Western countries over the years, with the rising costs of healthcare these governments are looking to cut costs and are therefore encouraging the adoption generic drug prescriptions to patients.
Another major factor affecting the big pharmaceutical companies is the problem of expired patents. Companies like Pfizer that had a blockbuster drug called Lipitor a cholesterol lowering drug will be coming off patent in 2010 and this will allow the generics companies to bring in a cheaper replica of the drug which will reduce the sales of the company drastically.
Patent expirations are a big problem. Drugs are granted 20 years of patent protection,
Although companies often fail to get a product to market before half of that period has
elapsed. Once it hits the market, however, the patent-protected drug is highly profitable:
Typical gross margins are 90% to 95%. When patents expire, generic makers offer the
products at a price much closer to the cost of production (Martinez and Goldstein 2007).
*Sales data is from IMS World Review (except for China and Poland)
** Patented/generic split is from ESPICOM. Generic defined as a drug whose patent has expired
***2001 values for China; 2000 values for Poland; 2003 values for Brazil reflects patented/unpatented (unpatented includes branded unpatented, generics, similar)
Sources: IMS; ESPICOM; Factiva; EGA; Mckinsey team Analysis
This development will result in the increased encroachment on the market share of the big pharmaceutical companies, though we can see from the chart that countries like China, Brazil, India and Poland have higher percentage of generic drug usage than US, Japan, Germany, France and UK the problem of the global recession may cause an increase in the use of the generic drugs in these countries as well since developed countries like UK are hoping to cut costs on public expenditure like healthcare costs.
Definition of relationships
Based on these new developments in the business environment of pharmaceuticals companies and my research I begin to recognize a trend where big pharmaceuticals and generics have increasingly instances of working together in order to thrive in the new environment. This aids me in my definition of in tension asked in the question, I identify this as the type of relationship generating between the big pharmaceutical and the generics companies and we can see that it if morphing from a completely competitive one to a more competitive-collaborative relationship, where we can even see a convergence in their business models in some cases.
We see big pharmaceutical companies are begin to return to India after the 2005 law passed by the government protecting their drugs, so they can benefit from the availability of cheap labor and low cost of innovative talent, they are even cooperating with the generics companies for Research and Development, in licensing and use of their distribution lines to transport their drugs to underdeveloped countries formally catered to by mainly generics companies. AstraZeneca, GlaxoSmithKline and Bristol-Myers Squibb have also recently suggested they will outsource at least some of their manufacturing. "There are lots of people in India, China and Eastern Europe who can make products of the same quality as ours but at significantly less cost," says Bristol-Myers Squibb CEO James Cornelius (Martinez and Goldstein 2007).
However though we see them working together big ethical pharmaceuticals companies still have some strategies to compete with generics pharmaceutical companies. Some defensive strategies of the big pharmaceutical companies are to develop new generic subsidiaries of their organization so as to be able to better compete with generics companies. By having their own licensed generic companies, they are able to limit the rate at which generics encroach on their market share for drugs that are off patents, they accomplish this by allowing their licensed patents to release generic copies of their blockbuster drugs into the market just before they are off patent thereby gaining market share before the other generic companies release theirs. In first nine months of this year, Novartis's generics unit, Sandoz, grew roughly three times as fast as its branded-drugs business and accounted for nearly 20% of overall revenue. "The balance is changing," says Novartis CEO Dr. Vasella. In the coming quarters, "we will continue to see a faster growth opportunity" in generics. (Martinez and Goldstein 2007)
Competitive strategies of the big pharmaceutical companies include investment in biotechnology and diversification. Biotechnology is of great appeal because of the inability for generics companies to create copies of the drugs as of now. Diversification on the other hand will allow the company to expand the range of services it offers its customers and allow it to get alternative sources of income.
In conclusion we make-out CIPLA business model to be the production of copycat drugs by reverse engineering of branded drugs and the sale of the generic drugs at cheaper prices to the India and any other country where the big pharmaceutical drugs do not have patent rights, however a change in the business model became inevitable in 2005 because of the Indian government adoption of WTO laws and caused a shift of the business model of CIPLA to focus more on R&D for the production of its own Branded drugs and strategic alliances which entail cooperation with Big Ethical pharmaceutical companies through in-licensing and know how transfer. Another point to note is the change in relationship between the generic company and the big pharmaceutical where we see a competitive symbiotic relationship brewing, with increased dealings between the two types of firms where big pharmaceutical companies benefit from the cheaper cost of production and access to generic companies distribution pipelines and generics gain from the in licensing agreements where they share profits with the bug pharmaceutical companies. However big pharmaceutical companies still maintain development of competitive strategies to combat the generic companies by creation of their own generic companies and increased investment in both diversification and biotechnology.
Rayport, J.F. , Jaworski, B.J.(2001). e-commerce, New York: McGraw – Hill/Irwin.
Wimmer M.A., Knowledge management in electronic governance. 5th ed. IFIP international.
William Greene, The Emergence of India's Pharmaceutical Industry and Implications for the U.S. Generic Drug Market (2007)
CIPLA Corporate presentation August 2009
CIPLA Pharmaceuticals' Yusuf Hamied: 'I Am Not Against Patents … I Am Against Monopolies 'Published: May 07, 2009 in India [email protected]
Pharmacist Erik Mogalian, Assistant professor Paul Myrdal of the University of Arizona's College What's the difference between brand-name and generic prescription drugs? December 13, 2004
Big Pharma Faces Grim Prognosis Industry Fails to Find New Drugs to Replace
Wonders Like Lipitor By BARBARA MARTINEZ and JACOB GOLDSTEIN
December 6, 2007; Page A1
Cite This Work
To export a reference to this article please select a referencing stye below:
Related ServicesView all
DMCA / Removal Request
If you are the original writer of this essay and no longer wish to have your work published on the UKDiss.com website then please:


text:
Persona 3: Dancing in Moonlight
Rating SummaryBased on 19 critic reviews
OpenCritic Rating
Top Critic Average
Critics Recommend
General Information
Publisher: Atlus
Persona 3: Dancing in Moonlight ReviewsView All (19 total)
Game Informer
Reliving Persona 3 through its soundtrack proves a fun endeavor, even if it's not always the reunion it could have been
Even though the original RPG had a somber tone, the wonderful personalities and music of Persona 3 shine bright in this fun, heartfelt, and vibrant rhythm game.
Persona 3: Dancing in Moonlight is a follow-up of sorts to the 2016 PS Vita title Persona 4: Dancing All Night and is the sister title to Persona 5: Dancing in Starlight. Having released in Japan earlier this year, Moonlight and Starlight are now preparing to rip up dance floors on this side of the pond. So put your best foot forward and let's find out if the kids are alright.
God is a Geek
Persona 3: Dancing in Moonlight is a fun rhythm game that could've been so much more but still manages to be well worth it for Persona 3 fans with some excellent music.
Where to Buy
MediaView More
Persona 3: Dancing in Moonlight - SEES Trailer
Persona 3: Dancing in Moonlight Announcement Trailer

subset: commoncrawl


text:
The Rockstone Southampton sits in the heart of Bevois Valley, not far from Southampton's city centre. Looking a little out of place with its country pub vibe, this is a real not-so-hidden treasure right under your nose. With a growing reputation for the "best burgers in town" it seemed only appropriate that The Southampton Guide checked these bad boys out.
You may expect a Tuesday night to be fairly quiet, but don't forget this is student territory and the week nights are their weekends! With it also being "burger night" where you can enjoy two burgers for £20, it was clear there was some serious competition for tables with the majority being reserved. Fortunately the departure of some early feeders meant the wait for a seat was minimal.
With a selection of ales at the bar, cosy layout and a friendly dog wandering around, you really felt transported out of the city and into the country. To match the warm atmosphere the friendly staff added to the experience and helped to create a relaxing vibe.
The toughest job of the night was choosing a burger! A wide selection of fillings to go with your 11oz burger made it hard to pick just one, then you had the added choice of chips, cheesy chips or sweet potato fries!
Once ordered it was simply a case of relaxing and trying not to drool on the table whilst you watched burger "towers" arriving at peoples tables. The smell alone of freshly cooked delights was enough to make your mouth water. Thankfully the wait for your own wasn't a long one.
The question is; is the Rockstone Southampton serving the best burgers in town? If the answer isn't a flat out yes then it's certainly very close to it! The size of them is a little intimidating, especially as they don't skimp on the chip portions either, but these burgers are a real treat. Handmade and delicious!
You may well struggle to finish it which is always a little disappointing, but you will be satisfied and dreaming of that burger for days to come!
The Rockstone Southampton isn't just about the burger though. They offer other foods including steaks and have regular music nights, as well as ale festivals and happy hours! There are definitely plenty of reasons to visit again.


text:
For an optimal browsing experience you must allow all cookies. To find out more you can consult our privacy policy.OK NOT NOW
Bernard Magrez's Grande Maison is one of only two 2-star restaurants in Bordeaux. Chef Pierre Gagnaire at the helm, accompanied by his loyal right-hand man Jean-Denis Le Bras, runs the Michelin-starred restaurant of Bernard Magrez in Bordeaux.
La Grande Maison is one of the few restaurants that has got 2 stars in its first year! Thanks to passionate work and a close-knit team, the restaurant was able to quickly become one of the best restaurants in Bordeaux.
Like the starry cuisine at La Grande Maison, the wine list of our Michelin-starred restaurant is unique in the world. It includes all Grands Crus Classés Bordeaux and Grands Crus Classé Bernard Magrez; Château Pape Clément, Château La Tour Carnet, Clos Haut-Peyraguey and Château Fombrauge.
"The story of each restaurant begins with a meeting.
Bernard Magrez is a man who takes risks, like me. Our project quickly became a reality because we share the same human values and the same respect for quality.
With the help of our chef, Jean-Denis Le Bras and the entire team, we managed to make "La Grande Maison" an exceptional place. In a city where gastronomy, wine, art, are in the spotlight, we had to be up to the task ... Elegant and refined, a warm team, local products of great quality, I am a cook happy to be in Bordeaux. "
Pierre Gagnaire
For group bookings, from 6 guests, we invite you to contact us directly so that we can organize together your experience at La Grande Maison. By phone at 05.35.38.16.16 or by email at the following address: firstname.lastname@example.com
For an optimal browsing experience you must allow all cookies. To find out more you can consult our privacy policy.OK NOT NOW


text:
December is an exciting time in Columbus, Ohio, filled with anticipation and traditions that are sure to put you in the holiday spirit! Countless activities, events, and musical performances provide hours of entertainment and memories for you and your family. So whether you live in Columbus or are visiting family or friends in the area, we know you can find something fun to do in our city!
Edwards Communities has put together a list of events we think you shouldn't miss! Here are our "Around Town Picks" for December:
Columbus Commons Holiday Lights, Through January 2, Columbus Commons
Stop by Columbus Commons from dusk until dawn to see more than 320,000 LED lights dazzling in the park. Free hot chocolate and carousel rides will be offered each Friday, with roaming carolers spreading the holiday spirit with your favorite seasonal songs.
Dragon Lights, through January 6, Ohio Expo Center
Featuring all new displays and entertainment, the Dragon Lights Columbus will get you in the holiday spirit with light sculptures, exciting performances, Chinese and traditional fair food, and a fun cultural experience. Visit their website for times and ticket information.
BYOB Holiday Lights Trolley, Through December 30, Downtown
Take a festive ride around the city to get a first-hand glance at our most impressive holiday lights displays in the area! The trolley will stop at the Columbus Zoo WildLights before heading to Dublin, Upper Arlington, Downtown Columbus and the Scioto Mile. Light appetizers will be served prior to the trip, but bring your own beverage for the trolley ride!
Wildlights – Through January 6, Columbus Zoo and Aquarium
Santa, reindeer, animated musical light shows and millions of LED lights make Wildlights Central Ohio's favorite holiday tradition. Join us for another year of holiday fun all around the zoo with holiday rhythms around the watering hole, Rudolph and friends, Polar Bear Express, Santa's holiday home, animals in their natural outdoor habitat, and much more.
Columbus Blue Jackets, December 4, 8, 11, 13, 15, 17, 20, 28 & 31, Nationwide Arena
The Columbus Blue Jackets have home games scheduled this month against the Calgary Flames, Washington Capitals, Los Angeles Kings, Vancouver Canucks, Anaheim Ducks, Vegas Golden Knights, New Jersey Devils, Toronto Maple Leafs and Ottawa Senators. Get ticket information on their website.
Mamma Mia! – December 6-29, Short North Stage at the Garden Theater
Celebrate the holiday season with timeless hits from the pop group Abba as they tell the entertaining tale of a young woman's search for her birth father the night before an Aegean paradise. Tickets to this feel-good musical can be purchased on their website.
BalletMet's The Nutcracker– December 7-23, Ohio Theatre
This beloved holiday tradition takes you inside the earnest and imaginative dreams of young Clara as she journeys with her Nutcracker Prince to meet the Sugar Plum Fairy.
Columbus Children's Choir– December 8, Franklin Park Conservatory
Come and listen to the angelic sounds of young voices singing the traditional sounds of the season in a beautiful setting! The performance is free with paid admission to the Franklin Park Conservatory.
Trans-Siberian Orchestra 2018 Presented by Hallmark Channel, December 26, Nationwide Arena
Now in its 20thyear, the Trans-Siberian Orchestra features Paul O'Neill's timeless story, "The Ghosts of Christmas Eve," about a runaway who finds her way into a mysterious abandoned theater. Get your tickets to this multi-sensory extravaganza on their website.
The Harlem Globetrotters– December 30, Schottenstein Center
The world famous Harlem Globetrotters will show off their ball handling wizardry, rim-rattling dunks, trick shots and unequaled fan interaction at this exciting event. Showcasing the high-flying, fun, and memory-making moments, the Globetrotters will be celebrating the special blend of basketball and entertainment that has made the team iconic. Tickets are available for the 1 p.m. and 7 p.m. show.
These are just a few of the fun events offered in December in our exciting city! You can learn about other events by visiting local websites such as Experience Columbus and Columbus Underground.
And if you're considering making Columbus your new home, check out the beautiful, upscale, amenity-filled communities available with Edwards Communities! We have communities in downtown Columbus, near OSU campus, Capital University and in the suburbs. We invite you to visit our website or tour any of our communities so you can experience for yourself the beauty, charm and quality that is Edwards Communities!


text:
Apple Vinegar
Promotes weight loss
Regular consumption of apple cider vinegar (raw and unfiltered) can also promote weight loss because it is rich in acetic acid. Studies carried out on the subject in obese people, found that obese people who consumed acetic acid daily for 12 weeks, had a significant decrease in body weight, abdominal fat, waist length, and triglycerides compared to those who did not consume it. Acetic acid also helps prevent the accumulation of body fat and certain fats of the liver.
Benefits of apple cider vinegar
For hair care apple cider vinegar balances the pH of the hair, leaving it smoother and brighter. It can help against dandruff, the accumulation of fat, and to soothe the itching and irritation of the scalp. Simply mix one or two tablespoons in a glass of water and apply to the hair and let it act a few minutes. Then rinse with your usual shampoo. You can use it several times a week.
Apple cider vinegar reduces glucose levels, so it can be useful for diabetics. The effect of vinegar on blood sugar levels is perhaps the best documented and the most promising of the health benefits of *apple cider vinegar. In a 2007 study of 11 people with type 2 diabetes found that taking two tablespoons of *apple cider vinegar before bed reduces glucose levels in the morning of 4% -6%.
Apple cider vinegar helps the body maintain a healthy alkaline pH level, because despite its acidity, it promotes alkalinity. Higher levels of acid (lower pH) leads to a lack of energy and a higher incidence of diseases.
Cider vinegar relieves gas, bloating and also reduces heartburn. Just take a spoonful diluted in water before meals. Or afterwards if we already have stomach discomfort.
It is rich in malic acid, which gives apple cider vinegar its anti-viral, anti-bacterial and fungicidal properties. The enzymes of *apple cider vinegar also promote the growth of healthy bacteria in the intestine. So they can help against candidiasis.
[su_table responsive="yes" fixed="yes" class="table-herbal"]
Household chores
Apple cider vinegar is also quite effective and healthy. Most cleaning products are full of chemical products, so *apple cider vinegar is an excellent inexpensive alternative. In addition, apple cider vinegar absorbs and neutralizes odors.
See also: "Weight Loss Management: What do I have to do"
For example you can clean the toilets and the bathroom, or you can use it in the dishwasher as a substitute for detergent. You can use it as any cleaning agent in microwaves, kitchen surfaces, windows, glass and mirrors. Simply mix a tablespoon of *apple cider vinegar in a glass of water. And with a spray bottle spray on the surfaces and then wipe clean.
Although many of the benefits of consuming apple cider vinegar have not actually been scientifically proven, that does not necessarily mean they are not true. Many people consume *apple cider vinegar daily giving proof of its effectiveness.


text:
Many Missouri college students plan to pursue careers in agriculture – both on and off the farm – and institutions across the state are offering degree and certificate programs designed to help them achieve success in the industry.
Missouri is uniquely positioned to offer a multitude of options for agricultural education, more than most other states. If a young person is interested in higher- education opportunities in agriculture, the Show Me State is the place to be.
As a result, there's an influx of young talent graduating with the knowledge and skills required to take advantage of the diverse, plentiful opportunities available in Missouri's ever-growing agriculture field and fill voids in Missouri's rural communities.
Colleges and Universities
The University of Missouri's College of Agriculture, Food & Natural Resources (CAFNR) offers 14 undergraduate degree programs, such as agribusiness management, agricultural education and plant sciences, as well as a variety of minors like sustainable agriculture and forestry.
The college's diverse academic programs appeal to a broad range of interests, which Dr. Bryan Garton, associate dean and director of academic programs at CAFNR, says helps set it apart.
"CAFNR's size and breadth gives students the ability to explore what they want to do without leaving this university," Garton says.
Missouri State University changed the name of its agriculture program to the William H. Darr College of Agriculture recognizing recent growth and better reflecting the organization of the college.
Career and Technical Schools
With its main campus in Linn, the State Technical College of Missouri also offers several academic programs for students interested in agriculture, such as commercial turf and grounds management, in which students get hands-on experience in a greenhouse; heavy equipment technology, which includes a Caterpillar program; and medium/heavy truck technology.
State Tech's welding program also draws students who plan to pursue careers in agriculture, and according to Dr. Shawn Strong, college president, the program has become one of its most popular offerings.
Other agriculture-related academic programs at State Tech include precision and heavy equipment operations that play a key role in agriculture stewardships and soil conservation, where students learn to operate dozers, scrapers, wheel loaders, backhoes, excavators, graders and skid steers.
"Several of our degree programs have agricultural components or provide skills that can be used in agricultural careers, even though they may not be thought of as traditional agriculture programs," Strong says.
Strong adds that State Tech attracts a large number of Missouri high school FFA members, many of who plan to work in agriculture.
"At State Tech, we have a 97 percent job-placement success rate," Strong says. "The salaries our students earn 10 years after graduation are comparable to what those who graduated from four-year regional colleges make. Our students do very well, both immediately following graduation and long-term."


text:
Reservation Cancellation Terms
All Deposits for The Avett Brothers At The Beach are non-refundable. Because of the unique nature of the Event, Bromo, LLC has a very strict cancellation policy. The Event HIGHLY recommends that all guests purchase travel insurance.
If you cancel between June 5th – July 16th you will receive a 50% refund of any monies paid into your reservation beyond your non-refundable deposit and any add-ons purchased.
Beginning July 17th, At The Beach becomes non-refundable.


text:
Finding the missing genes linked to familial breast cancer
Ian Campbell
The discovery of BRCA1 and BRCA2, genes that predispose family members to a high risk of developing breast cancer was an important break-through in breast cancer research.
It is now understood that these genes account for only two per cent of all breast cancer cases and the genetic cause of the majority of familial breast cancer remains unknown.
Prof Campbell has identified 40 genes for which there is evidence that they could also be responsible for a genetic predisposition to breast cancer.
Until recently, the identification of new breast cancer genes would have been of limited use due to the time and cost of genetic testing, but the advent of advanced gene sequencing technologies has now made it possible for entire panels of genes to be screened at a fraction of the time and cost of the traditional testing methods used for breast cancer genes BRCA1 and BRCA2 alone.
Consequently, in this project Prof Campbell will sequence his 40 genes across a large international cohort of 5,000 familial breast cancer cases (who have tested negative for the BRCA genes), and 5,000 control cases, including Australian women, to identify new genes responsible for familial breast cancers.
Identifying the genetic causes for familial breast cancer can provide significant opportunities for primary and secondary prevention of breast cancer, as well as improving risk assessment, genetic counselling and management for individuals in high-risk breast cancer families.


text:
Pay With Your Phone
17 Aug
Need to send money using your phone? Have you heard of Zelle? You can send money fast, safe, and easy to others you trust. You can send your cousin the gift of money directly into their bank account (no need to mail a check!). Here are some frequently asked questions.
How to Get Zelle:
- Download App
- Setup with mobile number or email.
- Pick a person to pay
- Send to their mobile number or email.
- Choose the amount and send
- The recipient gets a notification explaining how to complete the payment, simply and quickly.


text:
Just about everyone having some relationship with the stock market has watched Wall Street with great angst these last few years. Many have likely been left wondering if their stock portfolio will end up smelling like a rose or smelling more like the fertilizer in their gardens that help things grow.
Whether your stocks have bloomed or essentially wilted in recent years, there is always something to be learned from your investments.
For those investors, however, that are essentially newbies to the game, there can be quite a great deal to learn. Whether they be your everyday employee, starting their own small business or fresh out of college, many young investors essentially take a crash course in investing early on. By doing so, they run the risk of making some bad investments.
Those just starting their own small business are even at greater risk because there is a strong likelihood they invested a portion of their funds into getting the company going in the first place. If bad investments surface over a short period of time, it can be a financial blow to their hopes of supporting and growing their business.
So, what advice is out there for beginners in the stock market who are looking to come out on top when it comes to dividend stocks?
Look for Consistency in Dividend Stocks
First, scope out those high-paying dividend stocks that demonstrate a consistency to turn a profit.
One way to go about this is by reviewing a company's performance history over the last decade, looking for any trends that appear noticeable. For those that have regularly earned profits at a strong pace and/or exceeded their targets, these are signs of a high dividend that will likely be around for some time to come. The company should have churned out positive earnings with no setbacks yearly for the past three years, at a minimum.
Secondly, give the company that perks your interest a thorough review, including any major debts, ratings, red flags, etc. If the company appears to be struggling, dealing with issues that could be drawn out over time, or has a lot of turnover within its ranks, then there is certainly reason on your end for financial concern.
Another feature to look for with strong dividend stocks is company performances indicating a history of growing dividends. You want to locate a company that seeks to return excess funds to the stockholder, not turn the company's account fund into the size of a small country's wealth.
Are You Dating the Right Dividend Stocks?
Finally, always keep in mind the dates that are of utmost importance for dividend holders.
The first is the declaration date, which is the day a company's Board of Directors notes their plan to pay a dividend. At that time, the company forms a liability in its books, meaning it now owes the funds to the stockholders. As a result, the Board also puts forth a date of record and a date for payment.
Second is the date of record, the time whereby the stockholders of record are eligible for the ensuing dividend payment.
The third and last important date is the payment date, whereby the dividend will actually transfer to the company's shareholders. In many cases, dividends are paid out four times yearly, on a quarterly schedule.
In the event that dividend stocks are new to you, taking the time to learn about them can certainly be seen as a wise investment. In today's investment world, nothing is truly a sure bet; manage your investments wisely and always keep educating yourself on the latest happenings in the stock market.


text:
New South Wales
Albury city, Armidale Regional, Ballina, Balranald, Bathurst Regional, Bega Valley, Bellingen, Blacktown city, Bland, Blue Mountains city, Broken Hill city, Byron, Cabonne, Campbelltown city, Canada Bay, Canterbury-Bankstown, Carrathool, Central Coast city, Cessnock city, Cobar, Coffs Harbour city, Cumberland, Eurobodalla, Fairfield city, Gunnedah, Gwydir, Inner West, Kyogle, Lachlan, Lithgow city, Liverpool city, Moree Plains, Mosman, Murray River, North Sydney, Northern Beaches, Parramatta city, Snowy Monaro Regional, Strathfield, Sydney city, Tamworth Regional, Weddin, Wollondilly, Wollongong city, Woollahra, Yass Valley
|Victoria 36
|Queensland 30
|South Australia 15
|Tasmania 14
|Western Australia 36
|Northern Territory 9
|Australian Capital Territory 1
Liverpool City Library is now home to a dedicated accessible collection, with more than 300 items available for loan for people who have reading difficulties or for those who need guidance on how to navigate living with disability.
"Inclusivity is a priority for Liverpool City Council," Liverpool Mayor Wendy Waller said.
"Regardless of one's ability, age, gender or cultural background, all are welcome members of our fantastically diverse community and I'm proud that our libraries continue to serve as a safe and welcoming space.
"This new collection is the latest milestone in a range of planned improvements to make our libraries more accessible and inclusive for everyone."
Around two-thirds of the new collection at Liverpool City Library are books in easy-to-read fonts for children, teens and adults with dyslexia or vision impairment. The remaining titles are about living with and managing a disability, including dyslexia and vision impairment, deafness, ADD & ADHD, autism and Asperger's.
A further 60 books are on order for the new collection, adding to the e-books, audio books and large-print books that have been available in the library's collection for a number of years.
"Further to our new accessible collection, Liverpool City Library will soon have a dedicated space for people with disability to use," Mayor Waller said.
"It will be fitted out with desks which are automatically height adjustable to accommodate people in wheelchairs, while new computer software and other technology will help improve computer use for people with reading and hearing difficulties.
"We will also install adjustable height self-check-in desks to allow people in wheelchairs to borrow library resources independently."
At the last Census, 6.2 per cent of people in Liverpool reported needing help in their day-to-day lives due to disability.
"The work we are doing at Liverpool City Library will make the lives of people with disability much easier, ensuring they can access useful resources and library facilities with greater independence," Mayor Waller said.
People who are unable to visit Liverpool City Library to access the new collection can request that items be transferred to their local branch or have them delivered to their home for free.


text:
Izamal collaborative pop-up at Naïm
Following on from a successful stint in Melbourne last February, Mexico City-born culinary concept Izamal will be heading to Brisbane for a collaborative restaurant takeover at Paddington's Naïm. From July 3–14, Izamal's chef Julio Aguilera will be teaming up with Naïm's own Vince Estacio for a series of pop-up dinners that will explore the flavours of modern Mexican cooking, with a global approach to ingredient sourcing and preparation. The two chefs go back a long way, having forged a friendship while sharpening their skills working across some of San Francisco's top restaurants. Now, the two will reunite to mix their contemporary approaches to cooking, while relying almost exclusively on Australian produce. Each sitting will give diners the chance to indulge in a five-course degustation menu (vegan options are available), sampling the likes of yellow-corn brioche with dried chilli-infused butter and fried chickpeas tossed in tajín, compressed pineapple al pastor with pork powder, barbacoa lamb tartare with endive escabeche and Australian wagyu with pickled mushrooms and a mole made from miso and mushrooms. Izamal's director of service and beverage Matt Goodman has curated the drinks component, pairing the food with fun and offbeat Australian wines and Mexican spirits.


text:
TGIF and I get by with a little help from my friends
25 Friday Apr 2014
25 Friday Apr 2014
15 Tuesday Apr 2014
Posted Music, Vinyl Records and Musicin
Albums, Bob Wills, Dizzy Gillespie, Janet Jackson, Kansas, music, Records
14 Monday Apr 2014
Posted LSU, LSU Baseball, Sportsin
I may not have like the final results but, enjoyed the afternoon with my older son Michael at the new LSU Alex Box Stadium. Congrats to the University of Arkansas on the 10-4 win over LSU. Than ended a seven game winning streak. The flags and the Billboard are in honor of six national championship since 1991. Go Tigers!!!!
04 Friday Apr 2014
Posted humorin
03 Thursday Apr 2014
Posted Advertisement, New Orleans, Places with Atmospherein


text:
Happy Birthday Pisces
Happy Birthday Pisces
Aired Monday, 18 February 2019, 9:00 PM ET
This show is dedicated to the twelfth sign of the zodiac – Pisces. This week, the Sun moves into Pisces where it will be until March 20th. This is a good time to pursue creative endeavors, performing arts and spiritual pursuits. Pisces is symbolized by the Fish, those two little creatures whose scales glint in the sun as they follow where the stream takes them. And just as that stream can symbolize the subconscious mind or the winding path of life itself, Pisces is like those fish, swimming along in the currents, taking what comes and throwing off rainbows as it goes.
During this time, you could find that 'reality' is in fact only a small bit of the true larger picture; the spirit world is really where it's at. Try not to avoid or escape the so-called Real World in order to hang out in that preferable alternate reality. Be very careful that this does not devolve into evasion or avoidance.
Also, this week, we have a Full Moon Super Moon in Virgo. During the Virgo Full Moon, you'll probably feel a sense of achievement as you notice the progress of your efforts to tidy up at home and at work. Things seem to be a lot easier to locate now that you've organized your stuff into more manageable piles. Although you may not be completely finished putting things away or tossing them out, you're beginning to actually see some open space in your environment. In matters of health, you feel the effects of your exercise routine — or lack of one. Give yourself more time to reach the optimal goal that you originally set out to accomplish.
Tune in on Monday at 6pm PT/9pm ET to find out more…


text: Some of our children from Kids Planet Greenbank and Kids Planet Wavertree went along to the Liverpool Women's Hospital this week to drop off lots of donated wool that our parents have been collecting. They met with some wonderful volunteers from Knit & Knatter who knit baby outfits to be sold to raise money for the neonatal unit! If you would like to become a Newborn Appeal knitting volunteer, please call 0151 702 4194 or email email@example.com.


text:
I wonder, what type I look like to you.
I can answer any questions.
(But I'm NOT ready to take Sol's IR test)
Yeah, possibly everything I have written there is bullshit D:
I wonder, what type I look like to you.
I can answer any questions.
(But I'm NOT ready to take Sol's IR test)
Yeah, possibly everything I have written there is bullshit D:
Last edited by Ilamatecuhtli; 06-16-2019 at 08:05 PM.
Delta, for sure. Delta NF?
I'd bet blood that you aren't LSI. Unless that picture was taken from a very unusual angle.
You look a lot like my SLI ex-wife's half-sister, who has an LSE father and an EII mother. I'm unsure of her type, beyond the fact that she displays Delta values.
You also look just a bit like my LSE grandmother. Something in the eyes. But I think you are a feeler. At least, not a Te-dom hardass.
Weird, because your avatar picture is LSI.
........Wait a minute. You think you might be LSI, and yet your appearance screams Si. Could you be SLI? Not the Te-subtype, though.
what's written where? I just see your pretty face
Same. No writing, all I see when I open the document is a qt.
"Lecteur, as-tu quelquefois respiré
Avec ivresse et lente gourmandise
Ce grain d'encens qui remplit une église,
Ou d'un sachet le musc invétéré?
Charme profond, magique, dont nous grise
Dans le présent le passé restauré!
Ainsi l'amant sur un corps adoré
Du souvenir cueille la fleur exquise"
Charles Baudelaire
First guess by picture is EIE.
Just from that pic I'd say EIE. But it would be better if you make some good tests like the one in aim2know and sociotype.com, also you can provide information like questionnaire and/or video.
Last edited by Tommy; 06-14-2019 at 07:08 PM.
Yeah, maybe that is an angle, I hate taking pictures and can't do that nicely ... Tried to make this even now: https://drive.google.com/file/d/1JCp...ew?usp=sharing
sorry and thank you for your help again.
Not that you asked, but you really are a babe.
Since I'm responding, VI is mostly a shot in the dark to me but your body language looks rational.
No clue. Maybe ILI?
A video is way better than pictures
^ that's not very Se of you : )
I'm also thinking on ESI-Se.
ILE, not because i think you are one, but I like the fact that typings in this thread are over the place
Eyes do not look like 4D Ne. 4D eyes are big and open. Yes, try to go around people by looking their state of the eyes as a rule ILE, EIE, LIE and IEE have wide open unfocused eyes.
This is just a snapshot.
Measuring you right now
Winning is for losers
Sincerely yours,
idiosyncratic type
you may make a video. after we saw your photo - you have nothing to loose
by the photo you remind Ni. more photos or video would be better
Types examples: video bloggers, actors
I don't know dude if I saw you on the street I'd just say going off your look IEE and if not then EII. You have a look I associate with understanding people. You strike me as being a social worker.
What do you study or do for a living? How did you come to do that? What do you like or dislike about it?
I was studying civil engineering, because I used to like mathematics and history most and I figured out that it makes sense (it doesn't, can see that now – very Te dom industry). I also didn't want to do something I would not consider useful. And what do people need the most? Food, health and shelter. Now I temporary work stocktaking old buildings. I enjoy both bureaucracy and contacts with people in it, and that I can logistics myself when I call whom and so on. Dislike lack of daily routine.
Previously I worked as assistant constructor. Didn't like that assistant part, complete submissiveness to some grumpy guy. I feel much better being more independent in my small sphere of expertise.
What are your values, and why?
I was always crazy about justice and correctness. I used to point out teachers mistakes – I didn't mind personally but I couldn't allow them to mislead others. I like politeness and reliability in people. Hate breaking promises, not taking responsibility and changing plans. But I basically believe in personal freedom of everyone – as long as it doesn't interfere with other's freedom and isn't publicly vulgar. Like f.e. I do not see anything wrong in LGBT but I consider such propaganda exaggerated and sort of nasty at the moment. Or woman rights. I think genders are equal, so what feminism is fighting for? If you have to ask for better position you admit you do not have it... I have always acted as an equal (as human) in any company and somehow people treated me accordingly, they might want to try it out.
What else do you do on a daily basis? What are your interests and hobbies? Why do you do them?
I spend most time at home with books, music, movies and cooking. I'm snobbish about what I read, listen or watch. I could spend 1 hour reading and 10 hours thinking about that. I quite like cooking but I do it quick. I have always consider myself introvert because as far I enjoy human interaction I need a lot of time alone. I also prefer conversations one to one. I guess I like to these things because I think that they develop my mind and world view. It is not about relax.
Describe your relations with family and friends. What do you like and dislike about them?
Do not like my family. All serious, we do not understand eatch other at all. I try to avoid them without breaking relations. They would want me to be an entrepreneur and I really can't.
I have a few close friends, I like to talk to them about my problems. And listen to theirs but let's be honest, I have like ten times more (pity, I like listen to people, especially about interpersonal problems). I love their patience with me. Everyone I'm close with is kind and somewhat reasonable. I dislike indecisiveness and laziness about some of them.
What do you look for in friends? In romantic relationships?
I used to think I seek for Fe (but not so sure anymore). As above, my friends must be kind and patient, any rudeness toward me is unacceptable. I also do not like those who enforce their will on me. Dislike to be treated as helpless, but I like to follow others, I like them to be hospitable.
I'm not sure what I look for in romantic partner. I try to figure it out actually. They must be on time, honest and ready to assist me, always. I don't want to be ordered around. I won't tolerate inconsistency. I'll also not try to bring up anyone a new, they must be fine already. Idea of being with someone just for sake of being in relationship is disgusting.
What conflicts have you encountered recently with other people? Why did they happen? Which kinds seem to happen on a regular basis?
My SLE-Se coworkers annoys me as he is reckless, can't plan good enough and when I go somewhere with him I have to guard others against his rudeness.
A acquaintance promised me a little cat two weeks ago and then told she will not give it away because her little sister cried. I pretended it's cool but then managed to find another by myself out of rage more than a sincere wish to have that cat. I like cats though.
In a constant conflict with my mother about her nitpicking and lecturing.
I try to avoid conflicts actually. They are usually about others behaviour I dislike.
How would your friends describe you?
Most of all that I'm precise and they can depend on me. And I make them laugh. Closer ones that I worry far too much and often (source of my doubts about type actually). I can ponder who we are and where are we going in the middle of the night. But except that I come across as very calm and calming.
What do people generally see as your strengths? What do you like about yourself?
Best compliments ever:
"I believe in democracy but if one person would have to rule the world it should be you. You are the only one wise and strong enough, from people I know." – probably ILE.
"You are the storm. It's others that should be afraid, never you." – also probably ILE.
"I think it is sweet how you care" – probably LII. Though I used to think he is an EIE. I'm so bad in typing
"I do not have a plan how we will conquer the world but WHEN we do, I'll do all those unpleasant stuff: shake hands and manage people. You will have a real power, writing better laws" – SEE.
"I have always admired how you can logically consider a problem, make a plan and stick to it." – IEE.
I like my ability to be merry and calm-in face of worlds dramas. I could find something nice in funeral. I guess I think that world is a very tragicomic thing and I choose to smile most of time. Why to be serious, it is all way to absurd and sad when you think. Aren't we all fellow-prisoners in a way? (I like that Schopenhauer's thought). And plans. I do make good plans, also about little problems of everyday life. When to cook to have it prepared on time and so on. When I make up my mind I'll execute every plan, this way or another. Except public appearances I'm rather daring.
I sense false people. I rarely get cheated or disappointed because I always know what to expect from whom, in what exactly area I can trust them. I also sense lies and truth hiding. I could define what is the problem with every person I know a bit. I wish I could help them but nobody listens to my insights and I do not want impose my ideas about someone's soul.
All little children tend to look at me with silent amaze. I count it as strength, because I can't stand them crying. When our eyes meet they always stop. I can't explain that. I'm not fond of babies.
What are your weaknesses? What criticism do you often face from others? What do you dislike about yourself?
I do not like to remember a lot of facts. Depending on who is criticising me I have heard that I'm to detached from reality, too concrete, too smothering or too harsh, too insecure or too self-confident. IEE-s and SLE-s tell I'm too inflexible, because I do not like when they try to change my plans. I think I'm flexible in sense I can fast adhere to new circumstances but I want to do it myself. I also heard an opinion I apologize too much.
I suppose I mostly dislike physical complexes. Lots of it. I wish I could just make a video for you but I'm too shy. I don't like to present, when everyone is looking at me.
In what areas of life can you manage well on your own? In what areas of your life would you like help?
...I barely manage on my own when I think now I seem to somewhat hate everything except logistics, philosophizing in search of some sense and going to philharmonic. When I have a real problem I often call SEE and ask what to do. But when I have problem with relations I call EII. Actually I always know who to call for advice, I am aware of others capabilities. Thanks God I'm not poor so I can call for professionals too. On my own I can cook, do basic cleaning, go shopping, make any decision. I need help with failures at home. I can't fix things very well. I mean I can get quite creative with tape but I do not know how real things work. I'd need a manual for everything (then I can proceed, I quite like do things with my hands).
What things do you dislike doing? What things do you enjoy more than others?
These questions are repeating themselves, you know.
I enjoy managing my time, talking about issues and hedonistic activity on some level of culture. I love food and feeding my friends. They say I completely overdo with snacks and compulsive checking, when have they eaten last time.
I do not like listening about stories told without emotion, technical facts. I also dislike to tell good things about myself. This is not an answer for this question but I hate braggarts.
What goals, aspirations, or plans do you have for the future? How did you come to have them?
I would want to stabilize my work situation and get some routine. Then get more fit.. I think I want to be self-sufficient person with better body. I will be necessary in the future I can't predict precisely now but I need to be prepared. I guess I should find a husband but I need to construct a better set of expectations (you are helping right now) and be ready to fulfill more by myself before I enter another romantic relation. That must be planed.
And I need to teach my new cat to bite less.
If you had enough money to live comfortably for the rest of your life without working, what would you do with your time?
Watch all old movies, go for more live music and change most of my clothes. And other stuff. I love pretty stuff. Every new thing must be better than a previous one and present is never good enough. Maybe I'd try to socialize more or go study psychology.
What traits do you find endearing that others might dislike? What traits are considered positive/neutral by others but tend to annoy you?
I like when others are fighting for justice, even when they do it a bit rough or dramatize. There is not such a thing as too emotional person. It is lack of emotional responsiveness I find disturbing.
I also dislike any overprotective acts towards me and suggestions I should be less perfectionistic . I do not really value ability to improvise. I am not impressed by good memory of others.
What kinds of things do you do to manage and/or beautify your environment (your room, your house, etc.)? What do you think of daily chores?
I have on my own designed all home decorations in my apartment. Almost everything is white/black or sky blue. No white elephants. I easily get rid of old items. I like to get things that are needed, nothing is lacking.
Chores are necessary to keep things clean and in order. I need that, order more than clean, so I perform but without pietism. I do not enjoy chores so they must be done efficiently.
How do you behave around strangers?
I usually pretend more shy than I really am to observe them and then know what to expect from them. I always attempt to establish nice, light tone of conversation. When it fails, I quickly adhere to most people to some extent, however there are ones (some types) I just can't get along. In such a case I try make our contacts short. I try to seem kind and benevolent but when it is not welcome I can rapidly change this tactic.
How do you react to conflict? What do you do if somebody insults or attacks you?
I try to keep a poker face and persuade those about whom I think that can change their minds. I want to stabilize any conflict before it grows. When I sense that any pleads would be pointless I just keep my dignity and let others disgrace themselves. I believe insulters are pathetic, I'd maybe frown at them. Unless they are right, then I'll apologize for my mistake. It is rather hard to make me explode with rage and actually I think I let my emotions out on purpose even then, when I see that may work on someone. Otherwise I suppose it is better to coldly dismiss an offender. Such situations are sad and unpleasant but I realize when someone is right and when not and nobody will make me feel guilty when I can't see guilt in myself.
What is one common misconception that people have about things? Explain why it is wrong.
Just one, really? What to pick...
Maybe that ostentatious egoism is a good thing and leads to success. I think cooperation and fairness towards others are not only nice but actually pay off more than being jerk.
What did you do last Friday?
Can't remember. Seriously. I have terrible memory about past. I focus on future plans.
What is your biggest accomplishment?
I have managed to get my furious supervisor (at uni) convinced that I have had come to his collegue for advice because I knew how little time and what health troubles he has and I wanted to spare him some inconvenience. He has bought it and almost apologized me, then super admired me for over a year. Actually my supervisor was pointless and I hoped to find some better help.
I wish I could obtain everything lawfully but I often end up getting things by charm when official path fails me.
What is something you regret?
Becoming an engineer.
Who do you admire, and why?
Basically people who are kind and calm. Also those who fight for something or sacrifice themselves in some way for good of others. I have no clue why I am like that. I just dislike anyone else.
What's been on your mind? Has anything been worrying or concerning you? What problems have you encountered lately?
To be or not to be. And who to be, if. And what makes sense. Is there any? Maybe becoming a better person but I do not know how to do that.
What are your religious or spiritual beliefs and why do you hold them?
I used to be an atheist but now I consider myself more agnostic. Sometimes such "accidents" happen, that it is hard not to believe in some powers on heaven and earth.
What are your political beliefs, and why? To what extent do you care about politics?
Liberal, a bit socialistic but not very modern. Not "patriotic". A country is an artificial formation which only purpose is to provide for people basic needs like security, equal chances in education and free health care. No sentiments. I do not think that f.e. name of the country is worth a single human life. I wrote already I do not fully support that gender stuff. I consider it actually non political problem if any problem at all. The state should not be occupied with citizens bedroom activities. I wish to be more interested and involved politically but there is no party in my country I agree with. I find it quite stressful.
Would you ever be interested in starting a business? Why or why not? What role would you play in it? What kind of business would it be?
Not really. I am a bit afraid of business activities. It would be stressful for me, I prefer to work for someone.
What kind of work environment do you prefer? What do you look for in a job?
I think I'd like to have calm, rather static environment, were things can be thought through. May be with people but not on a stage. I'd like to have job with clear rules, routine and do something useful.
What is or was your favorite school subject and why?
Always two, almost opposite: mathematics and history. Mathematics because I actually didn't need to learn that and I quite like to solve theoretical problems. History, because it helps me to understand everything better and some books are greatly written. I'm vividly interested in people's views during past centuries.
How do you approach responsibility? What do you tend to expect of others?
I always feel very responsible for my tasks and other people I meet even briefly. I see duties everywhere. I wish others perceived world more like me so I didn't end up as the only one who delivered on time or kept a word.
Where did you go on your most recent vacation? What did you do there? How did you like it and why?
Prague. I like sightseeing old cities, especially all the churches. There were horribly many people though and things appeared kind of commercial. I guess I'll pick some less popular place next time.
What were you like as a kid? How have you changed since you were a child?
I used to be more strict and prone to enter conflicts. I lectured others, sometimes harsh. Now I'm more considerate and strategic about it. I wasn't very diplomatic kid. I was also much more demanding, I used not to take others abilities into account, but a common good was always my modus operandi (I considered myself LSI because of my character in childhood more than actual).
What was your high school experience like?
Positive? I generally used to like school during all my life and was one of best students. I don't know what to say.
Talk about a significant event from your life.
Shortly before picking a college I took part in history contest. I have got best topic for an essay I could dream about, really something I have knew a lot about and have had an opinion. Jury has given me a poor grade because they didn't like my approach (I believe humans are creating history and their personalities matter, what was very obvious in that topic – but now it is fashionable to claim that everything was ever ruled by global economy, not passions and connections of a single person, even a king. Idiots.). So I have decided I don't want to be ever again dependant on someone's taste and have chosen a technical university.
Do you like kids? Why or why not?
Not really, especially very little ones and all the loud ones. Or rude. I suppose it is not their fault but I can't stand naughty ones.
If you were to raise a child, what would be your main concerns, what measures would you take, and why?
To learn them proper manners without limiting their freedom and turning them against what I believe. It would be a disaster for me if my child chosed to be something I couldn't respect. I'm afraid my love might not be unconditional. But I wouldn't want to impose my world view, I'd really want the child to see it is the best one and follow willingly. I guess I'd try to show, persuade and explain everything. No unreasoned rules.
Ever feel stuck in a rut? If yes, describe the causes and your reaction to it.
Often. I do aim for it. It gives me sense of stability and efficiency.
How do you see other people as a whole? What do you consider a prevalent social problem? Name one.
Bunch of protein units, generally sick, sad and hopeless, from which maybe 1/10 seems to actually have some soul, if soul exists. All that stress, struggle and probably pointless suffer.
Prevalent social problem... maybe a poverty that makes people, usually both parents, spend about 9, sometimes more, hours a day far from home, so they have to leave little children in nurseries and kindergartens, where they do not have in my opinion enough personal attention and such long time without parents is not good for their development. Especially nurseries seem horrible idea. I see them as repositories.
What do you do if you're not getting what you want? What approach do you use?
Sad puppy eyes of deceived innocence.
Are you comfortable taking leadership roles? In what areas? Why or why not?
I think I'm good at making schedules and work distribution for a team. That sort of leader I may be. Or kind of idealist, who writes up his views at home. Not a leader in the spotlight.
How often do you get angry? What kinds of things make you angry?
The best way to trigger me is to move my possession without asking or making some decision about me without me. The benevolence will be over. Or cruelty, injustice and indifference towards others.
What is the best thing that happened to you during the past week?
Kitten fell asleep on my knees.
What is the worst thing that happened to you during the past week?
Couldn't find my kitten. She has proven to be liquid and came under kitchen lockers. I was afraid I failed as cat's mother and in complete panic before I realized where she is.
What is the purpose of life? What do you find personally meaningful in life?
I have no clue. Experiencing those little happy moments and trying to understand the world. Meeting interesting people and asking them, what is the purpose.
What is the most interesting place you have been, and why?
I do not consider places as interesting. They are may be nice or beautiful.
How do you dress or manage your appearance?
Like LSI. My favourite coat looks like military uniform. No weird cuts, I try to dress in convenient, classical, sometimes too elegant for an occasion way. Rather dark colors, not many at once. Or some defined ones – red, white, green. I do not like sporty style, colors of earth and too many patterns. I'd rather go out in a bit dull set of clothes than in unmatching one.
Very little make up or jewellery.
Do you like surprises?
No, unless they are nice, insignificant and do not collide with my plans.
I'd say ESI-Se>LSI I see Fi statements and j and you say you are an introvert, you get along with SEE and EII but find to harsh SLE.
You are pretty attentive about ethical aspects on interpersonal relations.
- I get tired and bored by Te. Especially in a crisis situation I think I want Ti and Fe. When someone gives me facts when I'm emotionally vunerable I find it hostile.
- in SEE I like Se and we share a lot of interests like musical taste, unrelated with socionics. He keeps failing me on emotional level.
- I'm very decisive: show me any amount of items and I'll pick one I like the most without a trouble.
- I do not like exceses but I'll not fight for little spares, lets respect ourselves.
- I like to live in a clean enviroment but I'm not anal about cleaning. Many of my friends have DIRTY houses and I can spend time there calmly.
- I'd never make a stormy scene when angry to protect my rights as ESI-s are described. I'm rather getting cold and focused when someone ultimately dissapoints me, yet I try not to let them know about it. I just distance.
- I have written I'd not try to change my partner (also ESI description). I try to understand others deeply and then decide, what relation I want with them if any. I do not believe people can really change.
- I'm not attracted to workaholics and I'm not going to be a housemate with benefits. Basically, gamma's "to collaborate and acquire" sounds unacceptable in context of romantic relation. I want emotions, not someone to take a credit with.
Considering men, I like most (potentially also romantically): EIE, LII, IEI, LSI, ILE (random order, hard to tell as I do not know so many of them and things other than sociotype count)
Best getting along with women: ESE, SEI, IEI (so lot of them...), EII
If I type people at least a bit correctly.
I know, I do not make any sense, sorry
and what are your results on socionics tests?
I am astounded.
I just want it to make sense but these results are kind of inconsistent. I start to consider Sol's test and video but Sol's videos I have already watched because I was curious how types look like in Sol's opinion and to compare it with my opinions, so I guess that puts me in a very uncomfortable position.
No prob. Both of the types I mentioned (EIE and ESI) appear as close results, but you know yourself better than I do.
As for thinking that being an LSI female is not a cool thing to be, I know a few LSI females pretty well, and they all feel kind of defensive about their femininity. Despite being very attractive.
For what it is worth, "I want to know my place in the ... system" is a very, very LSI thing to say.
To contrast that statement, I, as an LIE, not only do not care what my place in any system might be, I don't want to belong to any system.
Lest you think that I'm pushing a type on you, I still don't think you look LSI to me. And that is in spite of your very LSI-appearing avatar picture.
I have also doubts about LSI because:
- LSI is supposed to not know what to expect from people. I'm actually people's observer and I tend to know who they are after short interaction
- I can't see real imperturability in myself. I try to be imperturable but I'm quite internally emotional, so definitely not LSI-Ti
I think the choice is beetween LSI-Se, EIE-Fe and LII-Ti.
I wonder what do you think my type IS. I really believe in your ability to type and I hope I didn't filled up the questionnaire for nothing
It may be important to notice I have spent a lot of time with ESE friend and he made me far less strict and haughty. Is it possible I have suffeciently gained some traits of dual of my good friend? Also, I have like tens of LII friends from uni. They are mostly LII-Ne-s and we seem very compatible but I'm not like them. I suspect I know dwo male LII-Ti-s, the connection is much stronger with them and we are far more similar.


text:
Advisors 30 Second Update - Week of August 5th, 2019
Pending Home Sales are Still Strong and Homes Continue to Appreciate
The National Association of Realtors (NAR) reported that Pending Home Sales, which reports on signed contracts, has increased from 1.1% to 2.8% for the month of June. The index associated with this report was released at 108.3 which jumped from May's 105.4. Any level over 100 is seen as very strong and expansionary. Again, since this reports on just signed contracts and not closed deals, this is a great indicator of future existing home sales. A jump like this points to the fact that there is continued demand for existing homes. Even though homes are appreciating in price, very favorable interest rates are helping to keep monthly payments affordable and homeownership very attractive.
Speaking of home price appreciation, Case-Shiller reported that for the month of May, national home prices rose by 3.4% annually. This is down slightly from its last report for April of 3.4%, but still a very strong number. There are certainly pockets of higher or lower appreciation, but it is evident when inventories tighten up and demand stays strong, homes increase in value.
With the current market conditions, we need to analyze each market, factor in these aggressive interest rates and determine the estimated amount of wealth that is to be made on each transaction. Please contact your Advisors Mortgage professional today to start working the numbers and to learn the true value behind your very important transaction.
We Are Happy To Help" Call us at 855-LOANS-USA or visit us at AdvisorsMortgage.com
Sources :
Advisors 30 Second Update - Week of July 29, 2019
30-Second Update: Sellers Earning More on Home Sales & July Interest Rate Cut Likely
According to data provided by Redfin, home prices rose for the third consecutive month in June. The data indicated that US home prices reached a median value of $321,200, which is 3.4% higher from a year ago. Capitalizing on their home's appreciation, on average, home sellers saw a 33.9% return on their investment in the second quarter of 2019, according to the latest report from ATTOM Data Solutions. That percentage translates into $67,500 profit on their home's sale. This is up from last quarter, where the average return was 31%.
Analysts believe there is a 77.5% probability that the Federal Reserve will cut interest rates at their next meeting on July 30th and 31st. While it is widely expected that the rate cut would be .25%, analysts believe there is a 20% chance that the Fed cuts rates by .50%. A cut to interest rates would be a welcome benefit to buyers looking to purchase a home during what is widely considered an ultra-low interest rate environment. Current homeowners who are looking to refinance their current homes, or take cash-out via a cash-out refinance would also reap the rewards if the Fed decides to cut interest rates.
We Are Happy To Help" Call us at 855-LOANS-USA or visit us at AdvisorsMortgage.com
Advisors 30 Second Update - Week of July 22nd, 2019
Low Mortgage Delinquencies and Healthy Outlook for Housing
As we have been saying, homeownership is a great way to build wealth. CoreLogic is reporting that the average gain nationwide in home equity per borrower in 2018 was $13,600! So far in 2019, the average gain in equity has been $6,400 per borrower. Going forward, CoreLogic forecasts that over the next year, the average appreciation rate will be around 5.6%. Even though home prices have been moving up, they are still on track to have continued health, continuing to make housing a very strong investment.
Molly Boesel, Principal Economist said, "Home prices have increased steadily since 2011, creating record amounts of home equity and putting homeowners in a good position to weather future downturns." Ralph McLaughlin, Deputy Chief Economist added, "We expect the housing market to enter a normalcy phase over the next 24 months. With prices neither rising too fast nor too slow, and with a growing stream of young households looking to buy homes over the next two decades, the long-term view looks healthy."
Also, mortgage quality has been improving and delinquency is at all-time lows. CoreLogic has reported that as of April 2019, only 3.6% of home mortgages were in some type of delinquency. This is down from last year's report where it was 4.3%. This is the lowest delinquency reading in over 20 years!
This is the time to speak with your Advisors Mortgage professional, whether for refinancing or purchasing, to get a quality mortgage for a home that is forecasted to help you increase your wealth.
We Are Happy To Help" Call us at 855-LOANS-USA or visit us at AdvisorsMortgage.com
Source: CoreLogic
Advisors 30 Second Update - Week of July 15th, 2019
30-Second Update: Economic Expansion & Stock Market All-Time High
According to the National Bureau of Economic Research, this month marks the longest expansion of economic growth since 1854, stemming back to June of 2009, a record 121 months! Gross Domestic Product has grown a cumulative 25% during this record setting run. In addition, the unemployment rate dropped to 3.6% in May, the lowest level since 1969.
Driving the economic expansion, the Dow Jones Industrial Average closed above 27,000 for the first time ever on Thursday, July 11th. The S&P 500 also notched a record close. Fueling the stock market are investors choosing to put their money into stocks, amidst expectations that the Fed will cut interest rates later this month. Art Hogan, Chief Market Strategist at National Securities said, "The Fed is on a one-way street heading to a cut. The market is clearly in 'don't-fight-the-Fed' mode."
We Are Happy To Help" Call us at 855-LOANS-USA or visit us at AdvisorsMortgage.com
Advisors 30 Second Update - Week of Juy 8th, 2019
Home Prices Continue to Appreciate
CoreLogic has reported that single family homes across the nation have appreciated in price by 3.6% from May last year to May this year. They are also forecasting that there will be a 5.6% rate of appreciation by this time next year!
Frank Nothaft, Chief Economist for CoreLogic said, "Interest rates on fixed-rate mortgages fell by nearly one percentage point between November 2018 and this May. This has been a shot-in-the-arm for home sales. Sales gained momentum in May and annual home price growth accelerated for the first time since March 2018."
When using these forecasted numbers, at 5.6% appreciation, a $300,000 home will be worth $316,800 next year. When combining this large amount of equity gained with historically low interest rates, you get a recipe for building wealth. This is a great time to purchase or refinance your home. Call an Advisors Mortgage expert today to review your numbers and to get expert advise to take advantage of this hot market.
We Are Happy To Help" Call us at 855-LOANS-USA or visit us at AdvisorsMortgage.com
Source: CoreLogic


text:
Safely Store Your Food
Everyone who cooks probably understands the importance of chest freezers. It allows you to store your frozen food for days while saving money in the long run. We can help you find the best and most economical freezer on the market – chest freezer.
There are at least two things that have made life simpler or more comfortable for humans. The advent of agriculture was the first that allowed for the quick development of cities. The next, and equally important, was the introduction of food preservation.
Chest freezers are great functional accessories for long-term bulk storage. It is an ideal product to serve the needs of a large family. Moreover, it serves as an incredible tool to make grocery shopping economical since buying items in bulk can help you to avail discounted deals.
Don't miss out on regular updates, contests & giveaways.SIGN UP TO OUR NEWSLETTER TODAY!
Frigidaire FFFC22M6QW Chest Freezer Review
Despite the demanding work schedules of adults in the 21st century, many have the stamina to cook their meals regularly. If you ask why it's because cooking meals at home is a healthier and affordable way to eat.But it loses the affordability factor when you have to make constant trips to the convenience store for groceries that you don't have room for in the fridge/freezer combo.
Haier HF50CM23NW Chest Freezer Review
Most people don't invest much time and effort when selecting a chest freezer. The reasoning behind this approach is that the freezer will do the job, regardless of the brand or model they select. However, your choice of product can have a direct impact on the performance you get from your chest freezer.You will get great value for money if you opt for the right chest freezer, and for that, you need to spend some time looking up the options available on the market.
Igloo FRF705 Chest Freezer Review
Storing large quantities of food at home can be a challenge. You have to ensure there is sufficient space for the food you want to keep and more importantly, the temperature should be ideal for preventing the food from going bad.The simplest and most convenient option for you is to invest in a chest freezer. These products have been on the market for many decades now and did the job you require of them perfectly.
MIDEA WHS-129C1 Chest Freezer Review
Do you wish to store frozen treats at home? Are you short on space? A chest freezer can prove the perfect solution to both issues. You can accommodate a large quantity of food in a modern chest freezer, reducing the load your fridge has to bear.The right chest freezer will help you keep all the frozen food you need at home, whether you plan to entertain guests or have to store leftover food after an event. However, not all chest freezers offer the same level of performance and therefore, you have to consider a few factors before you can choose one for your home or office.
Still unsure where to start?
Privacy | Disclaimer | ContactCopyright 2018 by CoolWithStyle.com


text:
Poker Rivals Online Poker
Learning poker can be puzzling for people who are just commencing play the video games. The confusion may be attributed to enable you to get that in an internet-based game, one isn't able to see his opponents to inform what's going to take place next. But a lot more playing Continue Reading


text:
Market Insights
Harver raises $8.1M, FTC terminates Blue Global: Friday Deal Book for 7/7/2017
One World Identity's Friday Deal Book provides you with a weekly roundup of partnerships, funding, and product announcements in the identity industry. Here's a quick peek at what you need to know for the week ending July 7, 2017.
Dutch HR automation startup Harver raises $8.1 million Series A
Harver replaces manual recruitment processes, including resume screening by using predictive analytics to match candidates with opportunities. Its customers include Booking.com and Netflix – the company will use the additional funding to grow its international presence, especially in the United States. The round was led by Insight Venture Partners and brings Harver's total funding to $11.4 million. The growth in data analysis and predictive capabilities has spelled many new business models when applied to personal and identity data. [Read more]
HID Global acquires Arjo Systems
HID Global acquired Arjo Systems SAS, a provider of physical and digital identity solutions for government applications, for an undisclosed sum. Arjo's 100 person team will join HID Global's existing Government ID Solutions business. Both companies provide government to citizen software and hardware solutions, Arjo Systems brings will increase HID Global's footprint in select emerging markets. Large identity companies have been particularly active in acquisitions and mergers over the last year but so far have not raised any regulatory red flags while consolidating their positions. [Read more]
FTC shuts down Blue Global for unauthorized sharing of user data
Blue Global claimed to provide consumers unparalleled access to trusted lending partners to help them secure favorable loan terms. However, according to the complaint, of the 15 million loan applications the company received, fewer than 2 percent were actually sold to lenders, while the rest were sold to non-lenders without user consent. Applications included sensitive personal data such as social security numbers, past financial history, and bank account numbers. The FTC has taken actions against several companies in recent months, but the true scale of sham providers looking to capitalize on user data is unknown. [Read more]
Google authentication suite launches finer grained data access controls
Google, one of the largest providers of authentication on the web, announced that administrators can now create whitelist to define which specific applications can access user data. In May, many Google users were hit with a phishing attempt coming in the form of a Google Docs share from an unauthorized party. This feature could prevent unauthorized access even if a user installed the malicious application. Data sharing and auditability remain key concerns across the market. [Read more]


text:
Sai Kung
St. Joseph's Chapel
By foot
Hikes and heritage
Let's start big picture. What's the vibe here?
Off the southern coast of the main Sai Kung Peninsula, Yim Tin Tsai (meaning "Little Salt Pan" in Cantonese) is a tiny, wild island. It's mostly overgrown with forests, but there are a few streets and the well-preserved, 19th-century St. Joseph's Chapel, which won a UNESCO Asia-Pacific Heritage Award for Culture Heritage Conservation in 2005.
Yim Tin Tsai has been nicknamed "Ghost Island" due to the abandoned village houses and community buildings, which were left to decay in the 1960s after Hakka villagers (part of a Chinese clan) moved off the island to pursue better education and opportunities. Today, a religious organization looks after the island, restoring the old salt pans (formerly the main industry) and renovating some of the ancestral homes.
Fun! Any standout features or must-sees?
With ocean views and easy hiking trails, Yim Tin Tsai provides a relatively accessible way to experience Hong Kong's rural roots. In terms of things to see, the humble Italian Romanesque-style chapel is the most famous site on the island. Sitting atop a hill, as if surveying the land, the cream-colored building has hardly any ornamentation—just a few rows of wooden pews, a red-and-gold altar, and glowing stained-glass windows.
Got it. Was it easy to get around?
Most travelers will visit the island for a few hours to hike around the hillsides, visit the chapel, and get a feel for the ancient Hakka village life. There's one main heritage trail that's well marked with notes about the history of the island, leading visitors past a ceramics museum and up to a hilltop pavilion for panoramic ocean views.
That sounds cool. All said and done, what—and who—is this best for?
Culture vultures and outdoorsy types will love exploring the raw and rugged island—you can go fishing, meditate, pack a picnic, and talk to the remaining villagers about their lives. To really get the big picture, book one of the walking tours, provided by a villager (but be sure to specify English language).
Got the skinny on this place? Let our editors know!


text: Looking to buy an anorak for my jacket this year. And it seems like its kind of hard to find one with good specs. I know saga makes one, armada has some but theyre kinda out of my price range and ive heard that bloom is coming out with one? Hopin to see what theyve cooked up this season. But do you guys know anymore brands that make a solid anorak style jacket?


text:
K-Y Jelly Personal Lubricant Reviews
2 Customer Reviews
Average Rating: 4 Out Of 5View Product Page
Posted By Anonymous
October 8, 2011
Was this review helpful?
Posted By Lube
February 6, 2017
Best Lube
This is the best lube, me and my girlfriend use this everytime we make love and its fantastic.
Pros: Not sticky, feels nice
Bottom Line: I would recommend to a friend
Was this review helpful?


text:
Register now for the most popular community tournament, the Fayette Cares Golf Extravaganza Sponsored by Ring Container Technologies on Thursday, April 25th at Fair Oaks Golf Club in Oakland, TN. With a $25 bonus team discount for those who sign up by March 15th and free golf club regripping, golfers will be ready to "grip it and rip it" for a great cause.
Customizing new clubs? Refreshing your trusted set? Prepare to play your best round at the Fayette Cares charity tournament with free golf club regripping compliments of Fair Oaks Golf Club PGA Professional Bruno Strzalka. "For optimal play it's important to have fresh grips," says Strzalka. "Weather and wear make grips harden and become slick, causing your hands to slip." Registered golfers can drop off their clubs and grips at Fair Oaks anytime between Tuesday – Sunday 8 am – 7 pm, and Bruno will have them regripped in 72 hours or less.
The tournament is an amazing value offering a day of golf on an award winning course, food, drinks (including a new Bloody Mary bar sponsored by Hilltop Wine & Spirits), prizes, contests, and more.
The four person scramble offers three scoring flights, with morning and afternoon slots available. Sponsorships are also available and help raise money to provide shelter for homeless families, safety for victims of domestic violence, and emergency assistance for impoverished families in crisis. With a broad array of marketing opportunities sponsors will be the focus of attention while changing the lives of thousands in need.
Register by March 15th for the $25 BONUS team discount (use ShopLopcal promo code) or take advantage of early registration rates good through April 6th. To register, sponsor, donate, volunteer, or learn more visit FayetteCares.org/golf or call (901) 465-3802 x 223.


text:
MAU'I, Hawai'i – For the twelfth consecutive year, Maui was voted "Best Island in the World" in the 18th annual CONDE NAST TRAVELER Readers' Choice Awards Poll.
With a score of 91.6, Maui captured the "Top Pacific Rim Island" category scoring higher than runner-up Kaua'i (89.5) and third place Borabora (84.8). Maui's score also topped all other island and city destinations in the world including Sydney (Top Pacific Rim City, 88.8), Phuket (Top Asian Island, 87.3), San Francisco (Top U.S. City, 86.8), Florence (Top European City, 86.0) and Bangkok (Top Asian City, 85.9) to be named overall "Best Island" and "Top Travel Destination" in the world.
"Paradise began as a garden, but if you ask travelers to name a paradise today, you can bet it'll be an island," reported the November 2005 issue of Conde Nast Traveler. "No wonder that Maui emerges for the 12th consecutive year – ever since islands were added to the poll – as not only the top scoring island, but also the top scoring destination." Terryl Vencl, Maui Visitors Bureau executive director, accepted on behalf of Maui. "This is an amazing run and we are simply thrilled. To win 'best island' during any given year is remarkable," she stated. "To capture the title for a dozen years running is nothing short of extraordinary. This is a proud moment for the people of Maui."
The magazine's annual Readers' Choice Awards poll analyzes the travel preferences of their readership in various categories including cities, islands, airlines, cruise lines, hotels, spas, resorts and rental cars. The ratings are based on the responses of CONDE NAST TRAVELER subscribers who participated in the 18th annual poll. Complete results are published in the November 2005 issue, which arrives on newsstands in late October.World-class resorts, award winning cuisine, championship golf, staggering natural beauty and the islands' host Hawaiian culture have propelled Maui into the limelight. For more information, visit www.visitmaui.com or call 800-525-MAUI. (800-525-6284)
This is a bit dated, but we are hoping to make it "13-in-a-row" this time around.
Who's superstitious?
Not me!
"Let's all be careful out there!"


text:
Enable comprehensive credit risk management across banking and trading books
Algo Credit Manager enables risk-informed decision making at all stages of the credit process — from origination, renewal and approvals, and monitoring of exposure, conditions and covenants, to workouts and recovery. It offers banks comprehensive, enterprise-wide credit risk aggregation and limits management capabilities, spanning multiple business lines and products, across the banking and trading books. It enables enhanced performance monitoring and credit decision support for better management of customer relationships and the overall credit portfolio.
Algo Credit Manager offers a range of benefits and features, including:
- Comprehensive credit lifecycle support enables more effective, end-to-end management of customer credit relationships.
- Flexible limits management enables you to set and manage credit limits across the enterprise.
- Consistent credit approval data management enhances customer service and operational efficiency.
- Highly reliable control environment helps protect against credit losses and supports growth.


text:
"Armenia, in contravention of Azerbaijan's laws and the principles of international law, as well as the positions of the international community and the OSCE Minsk Group co-chairing countries, is holding the so-called "referendum" in the occupied territories of Azerbaijan with the purpose of committing political provocation. This so-called "referendum", which the international community considers illegal and the results of which cannot be recognized, is nothing more than Armenia`s attempt to deceive itself and the international community and harm the negotiation process," said spokesman for the Azerbaijani Foreign Ministry Hikmat Hajiyev.
He noted that Armenia's statements concerning the presence of some observers at the illegal "referendum" are ridiculous. "No country or international organization has sent a mission to observe the illegal "referendum".
Hajiyev said Armenia organized a private trip for a group of persons to the occupied Azerbaijani territories in order to justify its unsuccessful and illegal activities. He stressed that this initiative can be called an illegal tourist trip. According to him, the preliminary investigation revealed that most of these persons are already included in the Azerbaijani Foreign Ministry's list of people declared persona non grata, they are representatives of the Armenian lobby or are influenced by Armenia. "It's not excluded that Armenia, by using the same method and by way of deception, has arranged their trip to the occupied territories."
"The names of several other persons will be clarified and included in the list. It is possible that Armenia fraudulently lured them to the occupied territories."
Instead of such provocative and unnecessary activities, Armenia must put an end to its aggressive policy and make efforts to resolve the conflict and restore lasting peace in the region, Hajiyev added.