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Are you in the dark over annuities?
June 17th, 2010
New research carried out by Sun Life Financial of Canada in April 2010 reveals that four in ten (42%) consumers do not know what an annuity is. When presented with a choice of descriptions, of which only two were correct, a quarter of people (25%) selected incorrect descriptions, with just 33% and 29% respectively identifying the two correct descriptions.
Whilst the survey of UK adults highlighted confusion of annuities across all ages, the confusion experienced by those falling into the 'at retirement' age group is perhaps the most worrying. 23% of over 55 year olds admitted to having no idea as to what an annuity is, with a further 23% wrongly thinking an annuity is a 'savings pot which you accumulate throughout your working life'.
Moreover, 1% of over 55 year olds surveyed said that they thought an annuity was an 'insurance policy that protects against unemployment throughout your working life'.
It is important for you to understand how you can take your pension in retirement as the income produced from your pension will potentially have to sustain you during your retirement and it could be required to support your spouse and/or dependants after your death.
So what exactly is an annuity?
An annuity is simply an insurance company's promise to pay an income in return for a capital sum. This capital sum is commonly referred to as the purchase price.
You can receive your income either monthly, quarterly, half-yearly or yearly. You will probably come across a number of confusing terms, the main ones being:
• Payments can be made either 'in advance' or 'in arrears'.
As an example, if an annuity was purchased on 1st June payable monthly in advance the first payment will be on 1st June. If paid monthly in arrears, the first payment will be on 1st July.
• If payable in arrears, it can be paid either 'with or without proportion'.
With Proportion means that if you die in-between annuity payments, a proportion of the outstanding annuity payment is paid up to the date of death.
Without Proportion means that if you die in-between annuity payments, the annuity ceases on the last payment made prior to death.
The main types of annuity
Annuities will either be compulsory or voluntary.
An annuity bought using monies that have been accumulated in a pension fund is a compulsory purchase annuity (CPA). This is because the fund (after any tax-free cash has been taken) must be used to provide an income. The income arising from a CPA is taxed in full as earned income, although it would not rank as 'relevant' UK earnings for pension contribution purposes.
A CPA cannot be bought before age 55 (unless you have a 'protected' low retirement age or are forced to retire earlier due to ill health)
A purchased life annuity (PLA), on the other hand, is a voluntary annuity, which anyone can buy with spare capital. There is no ability to take a tax-free cash sum from a PLA but the advantage of a PLA is that part of each annuity payment is treated as a return of the annuitant's own capital and the balance is treated as interest. Only the interest element is taxed.
There is no minimum age for buying a PLA although the rates available are much better at older ages.
Both a CPA (bought from pension funds) and a PLA (bought with spare capital) can be 'whole of life' (in which case, the annuity will be paid for the rest of the annuitant's life, regardless of how long they live) or 'temporary' (paid for a set period).
Pension Annuities
The amount of income a pension annuity pays will primarily depend on:
• The size of the accumulated fund
• The amount of tax free cash taken (if any)
• The ancillary benefits chosen (such as increases in payment and any survivor pensions)
• Your age
• Whether you are male or female
• Your state of health (higher rates are available if you are in poor health or have a certain medical condition); and
• Current gilt yields (the higher the gilt yield, the higher the income will be, and vice-versa)
As one would expect, the starting income from two funds of identical size for two people the same age will usually be higher for a man than a woman. This is because, on average, the life expectancy of a man is less than it is for a woman of the same age.
The income is also higher the older you are when it is purchased. This is because, on average, an older person has fewer years to live than a younger person.
There is considerable flexibility when choosing the type of pension annuity that can be provided, but the most important options are as follows:
Level or escalating
The annuity can provide payments, which remain level throughout, or they can be arranged to increase. The rate of increase can be fixed (for example, at 3% per annum) or could be linked to increases in the retail price index.
For any given size of fund, the higher the level of increase, the lower the initial income will be. In current economic conditions, few people would opt for an increase of more than 5% per annum, although in the days of high inflation back in the 1970's it was not uncommon for rates of 8.5% to be selected.
Many people elect to receive a level pension that does not increase, on the basis that this provides a higher initial income and best value if they were to die in the early years. However, the gamble results from the fact that the purchasing power of the income could be seriously eroded by inflation over the longer term.
Guarantee period
It is possible for the income to continue for a minimum period, even if you die. Commonly, a 5 year term is selected and this provides certainty that some value for money will be obtained from the annuity, even if death occurs within weeks of annuity purchase, and the cost of building in a 5 year guarantee period is quite modest.
On death during a guarantee period, the outstanding balance must be paid as continuing income; it cannot be paid as a lump sum.
Payments under a guarantee period can be paid to any nominated beneficiary – they do not need to be paid to a financial 'dependant' such as a spouse – and the payments will be taxed as income in the hands of the recipient.
Spouse and dependants' pensions
An annuity can also be established so that all, or part, would continue to be paid to your spouse, or some other dependant, after your death.
The amount payable to a spouse or dependant will normally be 50%, 66.66% or 100% of the amount that you were receiving at the time of your death and if an escalating annuity had been purchased, it will continue to increase in payment after your death.
It is not necessary to select the type of annuity you require until it is actually purchased – thus enabling you to defer making any decision until you reach retirement – but once selected the type of annuity cannot be changed.
The suitability of an annuity will depend on various factors such as the size of your fund, your attitude to risk, whether the fund has any valuable guaranteed annuity rates, your income tax position, whether a flexible or guaranteed income is important and whether or not there is a desire to maximise lump payments on death.
These are all issues that you should discuss with your independent financial adviser but if you are going to buy an annuity it is vital to ascertain whether you could qualify for enhanced rates and to shop around for the best rate possible.
To illustrate the importance of shopping around, the difference between an average standard and enhanced annuity rate is currently 22.7% for men and 22.6% for women (source: FSA Comparative Tables). With a £50,000 pension pot the annuity provider MGM Advantage has warned that, on average, men who choose a bottom quartile enhanced annuity could find themselves £2,297.60 worse off over the first five years of their retirement, compared to choosing a top quartile annuity, with the corresponding figure for women being £2,237.40.
The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The levels and bases of and reliefs from taxation are subject to change and their value depends on the circumstances of the individual investor.


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Becoming billed with a criminal offense mustn't be taken evenly. The commission of the offence is punishable with penalties which include fines and imprisonment. Felony legislation are intricate and, when you are in Sydney, are best left to some prison attorney Sydney based mostly, a person who possesses the appropriate schooling and experience to defend you in court Criminal Solicitor Sydney.
Defences in legal regulation
Any person charged with an offence is entitled to boost all possible legal defences he could have in his favour to prevent or cut down penalties. Your defence technique incorporates using the services of a felony attorney who may have a fantastic grasp in the regulations of criminal process along with the defences readily available beneath the criminal code.
Some of the defences towards prison obligation include things like self defence, madness along with the exercising of a lawful authority or get. Your law firm must be in a position to determine no matter if any of those defences exist inside your favour, when to invoke them, and exactly how to ascertain these defences in court.
Some principles of felony regulation
Even though criminal legislation in Australia are administered by specific jurisdictions over the state, the same fundamental rules implement no matter of exactly where you might have been charged. These ideas contain:
Presumption of Innocence
Anybody that is charged with all the fee of the offence is considered innocent till the prosecution is able to confirm that he's responsible over and above an affordable doubt. The slightest doubt which the accused has dedicated the offence billed will result in his acquittal or finding of "not responsible."
Also, it is the prosecution's obligation to present more than enough proof right before the judge or jury to show the guilt with the accused in what exactly is known since the stress of proof.
In certain conditions, if the attorney in the accused feels which the evidence presented with the prosecution is not potent ample to steer to the conviction, he may perhaps decide on to not present any proof on behalf of his consumer and let the judge or jury make a decision the situation over the basis of your prosecution's insufficient evidence. No two instances are precisely alike and your legal lawyer need to be capable to devise a defence tactic immediately after creating a mindful assessment of the points within your circumstance.
Double jeopardy
Every body who is charged with a crime has a ideal to not be prosecuted twice to the identical act or offence. This is often known as the rule against double jeopardy. Double jeopardy exists every time a person is billed once more for an act or offence that he experienced now been acquitted or convicted of.
Many people are unaware of the basic theory in order that a fantastic legal attorney should not only have the capacity to signify you in courtroom but far more importantly, he need to be in a position to be certain that you're not being tried or are in danger of being punished 2 times for the exact same offence.
Your criminal case should not be remaining to possibility because the incorrect approach may perhaps lead to serious repercussions. Steer clear of steep fines, jail time in addition to a prison report by acquiring the ideal felony attorney Sydney has.

subset: commoncrawl


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The latest news on issues affecting California rice farmers will be presented during the upcoming Annual Grower Meetings held by the California Rice Commission (CRC), scheduled for Thursday, January 21.
Those attending will receive an update on farm policy from Tyson Redpath of The Russell Group.
Louie Brown of Kahn, Soares and Conway will relay new developments at the State Capitol. Northern California Water Association President David Guy will review water issues. Additionally, Richard Neves of Gig 7 Crop Insurance Services will make a presentation.
The morning session begins at 8:30 a.m. and will be held at the Bonanza Inn Magnuson Grand Hotel in Yuba City, while the afternoon meeting will be held at 1:00 p.m. at the Colusa Casino Resort Conference Center. Registration will be held thirty minutes prior to each meeting.
All members of the rice industry are encouraged to attend. Information presented will be the same at each meeting. Refreshments will be served and there will be raffle prizes at each meeting.
For more information about the CRC's Annual Grower Meetings, please contact Jim Morris at 916/387-2264 or email@example.com.
Save the Date
January 21, 2016
8:30 a.m.
Bonanza Inn
Magnuson Grand Hotel
Yuba City
1:00 p.m.
Colusa Casino Resort
Conference Room


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With America's entrance into the Second World War, the town of Blackberry Springs, Alabama, has exploded virtually overnight. Workers from all over are coming south for jobs in Uncle Sam's munitions plants--and they're bringing their pasts with them, right into Dolly Chandler's grand but fading family home turned boardinghouse.
An estranged young couple from the Midwest, unemployed professors from Chicago, a widower from Mississippi, a shattered young veteran struggling to heal from the war--they're all hoping Dolly's house will help them find their way back to the lives they left behind. But the house has a past of its own.
When tragedy strikes, Dolly's only hope will be the circle of friends under her roof and their ability to discover the truth about what happened to a young bride who lived there a century before.
Award-winning and bestselling author Valerie Fraser Luesse breathes life into a cast of unforgettable characters in this complex and compassionate story of hurt and healing.
*I received a free copy from the publisher via Bookish First and chose to leave a voluntary review. Thank you!*
This book is a genre I normally don't read all that much, but discover I should read more. I was pleasantly surprised about how much I enjoyed this book.
I really enjoyed the writing and the characters and of course the story.
It was entertaining, interesting and really heartwarming. I loved the friendship that developed between the characters and that was the driving force of the story and the people in hard times that they endured.
I really enjoyed the setting, it was perfectly described and made you feel like you are right there with them.
There were a few slower spots in the book but not many and they didn't drag on too long which of course was a plus.
Overall I really enjoyed the book and even enjoyed it more than I thought I would.
I rate it 3.5★
Available NOW


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Displaying 1 - 2 of 2.
Cashin family enjoying a peaceful PEI life
From his office overlooking St. Peter's Bay, Michael Cashin says moving to Prince Edward Island was the absolute best choice for him and his family. The former Ontario resident runs his own businesses out of the community centre in the former St. Peter's School. He lives with his wife Juliana and...
Giving children the best start
Supporting Island Families -, In five decades as an early childhood educator, Alice Taylor has learned that helping a family helps a child. Taylor runs a local version of a Canada-wide program called Handle with Care, which promotes the mental health of young children. She was pleased when the...


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|[Home] [Credit Search] [Category Browser] [Staff Roll Call]
|The LINUX.COM Article Archive
|Originally Published: Saturday, 28 August 1999
|Author: Trae McCombs
|Published to: Internal News/General Announcements
|Page: 1/1 - [Printable]
Button Bar on Left Side
OK, so it's not that hot of news, but you should see a change from the default [freshmeat, slashdot, themes.org, and UserFriendly] buttons on the side.
|Page 1 of 1
Well, I don't know if many of you have noticed or not, but we've setup a randomizer that grabs different "community minis" and tosses them up on the front page by default. Those of you that use the user-prefs, well, you won't notice any difference.
The reason we did this, was to give other community sites more "front page button time" :)
How do we choose what gets picked as a community site? Well this is a good question. Right now, it's subjective. There are about 25 sites that are in the rotation now, so you may see a good bit of them in the loop. The ones you won't see up there on the front page are "commercial" sites. A lot of you are going to argue that Slashdot and Freshmeat and Themes.org and others are no longer "non-commercial" sites. Well that's fine -- as I said it's all subjective. Once I get a chance, I'm going to build a committee of people whose job is to debate what sites should be a communitty button or not.
Hope every one digs this. We, the staff of Linux.com, seemed to think it was a pretty cool idea.
Sincerely yours, Trae "OctobrX" McCombs Linux.com -- Site Manager
|Page 1 of 1


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If you're worried about mold in your home or have reason to believe you have a mold problem after water damage, you may want to have a mold inspector visit your home. A mold inspector is a trained professional that knows where, and how, to look for mold in your home. This is an important step in water damage remediation, and another box to check on the list of things necessary to getting your home back to normal after water damage.
Is There Mold
Obviously, a mold inspector will be looking to see if there is mold in your home. If you've recently experienced water damage to your home, they'll check the areas that were most affected before moving on to areas that are less likely but could still possibly have been damaged. The inspector will check not just on different surfaces in your home, but also behind your walls and in places like crawl spaces. If mold is found, it's important to act fast since mold is notorious for spreading very quickly.
Was There Mold
If you've previously had mold, let the inspector know so they can check the area. There may be a water leak or other problems exposing your home to moisture that was not taken care of when your previous mold problem was addressed. An inspector will be able to examine the area and determine where any water damage may still be coming from, as well as checking to see the mold has returned with the undiagnosed water leak. Things like leaking pipes, improper lawn drainage, or even air conditioning units that aren't draining properly can lead to mold without the homeowner being aware there is a problem.
Call 866-780 1700 for Emergency Restoration!
For over 57 years, ServiceMaster of Baltimore has been serving the residents of Baltimore with 24/7 availability. We understand how devastating water damage can be on a home or business, which is why we have certified licensed restoration technicians available 24 hours a day, 7 days a week, 365 days a year. When you call, we will have a technician at your home or business within hours of your initial call.
Hopefully you have found our blog, "What Does a Mold Inspector Look For?," informative and helpful. Continue to check back weekly for more helpful tips.


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SEARCH ENGINE OPTIMIZATION, Social Media & Web Design
GMR Internet Workforce is a full service internet advertising agency which focuses on web technique, net design, and internet maintenance. The massive takeaway with learning web advertising today is with the ability to discern signal from noise — getting the right information from the suitable people and taking action.
On this, perhaps essentially the most generally referred to of marketing jobs, you'd be accountable internet marketing company for all actions and selections in the advertising and marketing department of an organization.
Additionally, you'll be invited to Lunch and Learns", advertising and marketing and SEARCH ENGINE OPTIMIZATION Phoenix networking alternatives similar to Arizona Interactive Marketing Association, SEMPO, and many others we repeatedly support.
If you hold a degree in style design and are courteous, have an eye for fashion and a eager knack for enterprise, the style marketing has got to be your vacation spot.
Send a resume together with a canopy letter to the reply e-mail on this posting describing why you're a really perfect match, what you hope to gain on this internship, and your opinion on what RentTrack is making an attempt to perform.
No, you could have realized that it's doable (even easy) for ANYBODY to crack the code to ridiculous wealth and a rocksolid financial future simply by taking advantage of every little thing that the connectivity the Internet has to supply.
For writers on HubPages and different cash making actions on the Internet who're making a number of hundred dollars or more per 12 months and plan to continue and grow this income, my advice is to look upon this activity as a enterprise in addition to pleasant and artistic outlet.


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Services on Demand
- Cited by SciELO
- Access statistics
Related links
- Similars in SciELO
Portugaliae Electrochimica Acta
Print version ISSN 0872-1904
Port. Electrochim. Acta vol.21 no.1 Coimbra 2003
The Influence of Metallic Oxides Formed by Repetitive Cyclic Voltammetry or Controlled Potential in the Reactivity of Ir/Hg System
E. Milaré, E. Y. Ionashiro, Y. Maniette, A. V. Benedetti and F. L. Fertonani*
Instituto de Química, Universidade Estadual Paulista, Araraquara, São Paulo, C.P. 355, CEP 14.801-970, Brazil
Received 10 September 2002; accepted in revised form 22 November 2002
Cyclic voltammetry and controlled potential electrolysis, and other analytical techniques were used to study the reactions of mercury with iridium oxides formed by repetitive cyclic voltammetry (RCV) or by controlled potential electrolysis (CPE) on pure iridium substrate. The oxides were formed in a Hg(I)-containing solution. The SEM images, XPS spectra and CV obtained after the RCV treatment showed a more attacked surface with less mercury on the Ir. On the contrary, the SEM images, XPS spectra and the CV for the electrode prepared by CPE indicated a less attacked surface with more Hg. The oxides formed when the CPE condition was applied inhibited the UPD of mercury.
Keywords: iridium, mercury, cyclic voltammetry.
Texto completo disponível apenas em PDF.
Full text only in PDF format.
1. F.L. Fertonani, A.V. Benedetti, M. Ionashiro. Thermochim, Acta 265 (1995) 151. [ Links ]
2. F.L. Fertonani, M. Ionashiro, P. Melnikov, F. Sanz, A.V. Benedetti, Proceedings of XII Congreso Iberoamericano y IX Encontro Venezolano de Electroquimica, Merida, Venezuela, (1996) 416. [ Links ]
3. E. Milaré, F.L. Fertonani, M. Ionashiro, A.V. Benedetti, P. Melnikov, Proceedings of XIII Congreso de la Sociedad Iberoamericana de Electroquimica, Viña del Mar (1998) 140. [ Links ]
4. F.L. Fertonani, A.V. Benedetti, J. Servat, J. Portillo, F. Sanz, Thin Solid Films 1 (1999) 341. [ Links ]
5. F.L. Fertonani, E. Milaré, A.V. Benedetti, M. Ionashiro, J. Therm. Anal. Cal. 67 (2002) 403. [ Links ]
6. E. Milaré, F.L. Fertonani, M. Ionashiro, A.V. Benedetti, J. Therm. Anal. Cal. 59 (2000) 617. [ Links ]
7. R.W. Joyner, E.S. Shpiro, Catalysis Letter 9 (1991) 239. [ Links ]
8. M. Barlow, P.J. Planting, Z. Metallkd 60 (1969) 292. [ Links ]
9. C. Wechter, J. Osteryoung, Anal. Chem. Acta 234 (1990) 275. [ Links ]
10. AFPAR and DHKL programs, B. Lestienne, CNRS (1990). [ Links ]
11. M.A. Nolan, S.P. Kounaves, J. Electroanal. Chem. 453 (1998) 39. [ Links ]
12. S.P. Kounaves, J. Buffle, J. Electrochem. Soc. 133 (1986) 2495. [ Links ]
13. S.P.Kounaves, J. Buffle, J. Electroanal. Chem. 216 (1987) 53. [ Links ]
* Corresponding author. E-mail address: firstname.lastname@example.com


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Skip the junk in your grocery store's freezer aisle–that ice cream is made in a factory! These are made with nutritious ingredients, at home, with love.
These are my best. creation. yet. Hands down!
They are scrumptiously delicious and need to be made ASAP.
Recipe and directions: Crust: 1 cup hazelnuts 2 dates 1/2 cup @pb2foods or 1/4 cup peanut butter 1/4 cup liquid sweetener (agave nectar, maple syrup, honey...) 1/2 cup almond flour Blend until combined Press down in a square pan. Freeze while making filling. Filling: 2-3 frozen bananas 1 cup cashews soaked overnight 1 cup yogurt (I used @so_delicious ) 1/3 cup liquid sweetener (agave nectar, maple syrup, honey...) Pinch of salt 1 tbsp vanilla 1/4 cup peanut butter 1 tsp cinnamon Blend until combined. Pour ontop of crust and freeze while making topping. Topping: 1 melted chocolate bar to spread on top (I use Lily's Sweets!) Drizzle peanut butter on top Sprinkle cinnamon on top ==>Freeze for AT LEAST 5 hours. Cut, serve, and enjoy!
Enjoy & have a perfect day on purpose:)The Active Elena


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The human mind can do something that no machine can do. It can meld all of the symbols together into one clear, coherent, emotionally connected package. Developments in artificial intelligence may change all that someday, but for now the human heart is still the premier instrument when it comes to pulling the diverse messages of many planets into a meaningful, coherent statement.
When I am teaching the more advanced kinds of astrological interpretation, I constantly beat this drum: integration, integration, integration. One day I realized that I could boil this critical skill down to one single pithy statement: always remember what you have already said.
So simple to say, but it really encapsulates all the critical integrative principles. Lunar eclipses are not rare, but ones that coincide with a so—called "Super Moon" are a lot more unusual. And that's exactly what you will be seeing, provided that no clouds get in the way: a particularly big Full Moon going dark, maybe even turning coppery—red in the process. Caveat: absolutely guaranteed, the media is going to oversell it, leading to lots of disappointment among people who've been jaded by special effects in movies.
I can see the hyperbolic Yahoo!
Skyscript: Deborah Houlding's Astrology Pages
And of course somebody somewhere will have their fifteen minutes of fame by proclaiming some grand governmental conspiracy to conceal the fact that the Moon will collide with the Earth, probably due to some alleged malfeasance on the part of Hillary Clinton. Ignore the hyperbole, but please, if you possibly can, have a look at this sky—show! Just keep your expectations somewhere south of seeing a real—life Star Wars up there that night. Lunar Eclipses are languorous affairs, to be savored like long, slow winter sunsets or your last piece of chocolate.
Totality, for example — the period of total lunar eclipse — lasts about an hour. Compare that with the frantic few minutes of a total solar eclipse. That's an entirely different beast, and admittedly a lot more spectacular. January's Moon—show, from the first, nearly—unnoticeable "penumbral" contact of the outer edges of Earth's shadow with the Moon to the final " not—with—a—bang—but—a—whimper" end of it all, runs about five hours. The answer to that question is of course long and complex.
- march 17 2020 birthday horoscope;
- The Saturn – Pluto Conjunction - Maurice Fernandez - Astrology and the Evolution of Consciousness?
- Planets & Astrology: Saturn | tusgeohohacom.tk Horoscopes;
- scorpio horoscope for the month of january 2020!
So why not support each other with care and kindness? Rogers had such a lasting impact, in part because, as the documentary shows, he walked his talk.
With its eighty-four year orbit, Uranus — the fabled Lord of Earthquakes and Lightning Bolts — enters a new sign of the zodiac about every seven years. As befits its dramatic title, when it enters a sign, any area of life connected with that symbol is due to hit some choppy air. As befits the lightning bolt metaphor, these pulses can happen very rapidly.
Like earthquakes, they can, in the blink of an eye, change the shape of the landscape forever. Chiron makes a Station on the Fourth of July, turning retrograde at about 2. Meanwhile, Saturn is already retrograde at about 5. So they are making a square aspect within about a three-degree orb right as those Chironic energies come to a peak.
- horoscope month of march 2020;
- sagittarius born march 4 horoscopes!
- The New Moon in Aries and Mercury's Station.
- Critical Points: The First and Final Degrees of a Sign.
Chiron escapes into Pisces on September 26 th. Saturn, already seeing the futility of the chase, gives up on September 6 th , turning around at about 2. By then Saturn is too deep into Capricorn for the square to form. Uranus is famous for providing surprises and it sure worked for me a couple of days ago! I was speaking at the United Astrology Conference in Chicago. And it sure worked! I won the Regulus Award for Astrological Education.
I know my work is popular and that I have a high profile in the world of astrology. It seems that winning an award should not come as a total shock. But it did. Some of my surprise derived from simple experience. I had often been nominated, and never won. My sibling is an identical twin. So she will be experiencing the same aspects. I wonder what that means…. Like Like. Intuition will provide a path through the rest of it.
Planets & Astrology: Saturn
A ,Mutable Sign, less brittle and more flexible than in earlier periods of history when Saturn and Pluto aligned. The working man is likely to come out ahead, and the dictators be replaced. It looks as if the nationailst and racist trends will be shorter in length this time around.
Like Liked by 2 people. We really would have state emergency. Good Grief!!! Until it happens and its only predictions. We cannot control the world, and only ourselves.
by Hank Friedman
I will not worry to much over this and also change is good and sometimes, its hard, but in the end result its worthy. Enjoy your return and I am sure its going to be great.
Life will not be miserable, and only if you allowed it to be. Go for those goals, and reach for the stars, and life is journey, and enjoy it. I love Saturn returns. They can be very helpful. Saturn is there to show us how to build strong foundations so they survive the test of time. That has been my experience at least and trust me, I know what hard times are. Saturn is a gift if handled correctly. Best to you. Had to count every penny when it was there, but I learned some great budgeting techniques and realized my own self-worth, especially on the job.
When Saturn entered, I was forced to. I thought I was the worst worker. If your Saturn Return happens in the 2nd house, I promise you, you will come out so much more confident. Actually, thinking about that Saturn transit makes me more confident to face my own Return in the 3rd house. Life are challenges and I talk to G-D everyday. I been through a lot, but who has not.


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Just Harvest harvest celebration dinner featuring keynote speaker Raj Patel, author of Stuffed And Starved: The Hidden Battle for the World Food System. Seed of Justice award will be presented to the East End Food Co-op, for their strong leadership in social justice circles. For more information, visit Just Harvest.
5:30 (reception & silent auction); 6:30 (dinner & program) at the Omni William Penn Hotel. Tickets $45, VIP $75.


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Professional fitness tests, performed efficiently and in a stress-free atmosphere.
Melomania is a musical project that creates professional musicians playing every day with the stars of the Polish music scene.
The premises located in the very center of Bartodzieje housing estate. The motto of the place is fresh, clean and tasty.
Making movies and photos from a unmanned aerial vehicle.
Company specializing in the production of furniture according to individual needs of the customer.
Online application for learning to read, write and count for the youngest.
A place created for everyone who wants to feel good and have a beautiful appearance.
Company dealing with the broad issues of occupational safety and health: Supervision, Training, Audits.
Weekend parties at the NOX club.


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Will Ruslana and the Klitschko brothers host the Eurovision Song Contest 2005 in Kiev? "The organisation commitee asked us to co-host the event", Wladimir Klitschko told German tabloid Bild am Sonntag.
The internationally successful boxers are sure to fit the requirements for such a job, such as being able to master several languages. "We can also handle the most important task: counting points", Wladimir underlined to Bild am Sonntag.
Before they sign their contracts, the brothers still have to check if there aren't any boxing matches at the same time. "The good thing is: we are two brothers – one of us will show up for sure", Wladimir added.
Just like Ruslana, the Klitschko brothers are supporters of opposition leader Yuschenko. Wladimir announced that he would like to use the occasion to promote the democracy movement: "The world's greatest entertainment show is an adequate occasion for that".
The Eurovision Song Contest takes place on 19th and 21st May 2005 in the Ukrainian capital Kiev.


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BigHospitality's 2012 look-back: Restaurant no-shows and MWB Group Holdings administration
8: An end to restaurant no-shows? New marketing platform reveals potential solution
For restaurateurs, the problem of diners booking tables then failing to show with no warning, is not a new one, but this year it seemed to reach a crescendo, particularly when Rene Redzepi of the World's Best Restaurant Noma revealed that his business had also been a victim of a 'no-show'. Our trail of stories on the subject provoked a flurry of responses from members of the industry who sympathised with those who'd spoken out and suggested solutions such as taking deposits for bookings. Despite the problem remaining, so far no industry-wide solution has been suggested, which may be why this story, which offered a potential solution, was our most-read on the subject and why it has made our list of the overall most-read stories this year.
Comment from Petra Clayton, Custard Communications
Anything relating to getting bums on seats in restaurants is bound to be a hot topic. From discounting and incentives to building brands, restaurants are struggling to recover from the 'voucher vampire' trend that has infiltrated the industry over the last three years.
No shows are probably the most frustrating behavioural change in diners. They hide behind online bookings leaving restaurant inventory challenged on a daily basis. Nothing can be more frustrating than thinking your restaurant has bookings, only for plans to change at the last minute.
Restaurant marketing, as well as many other customer-facing sectors like retail, is having to adapt to respond to this or risk losing potential customers. Internet-based reservation platform Livebookings spoke out earlier this year on the surge in customers now choosing to book restaurants online and via mobile phones. According to their report, online bookings have doubled year on year, so this is certainly a behavioural trend that is here to stay.
Therefore, while the customer is driving the industry marketing steer, the restaurant is revolting in other ways, with each method – denying bookings altogether or threatening to charge for no-shows on confirmed bookings – both winning friends and alienating people. The fact is that the surge in the number of restaurants not taking bookings is, like it or not, driving demand – much to the annoyance of The Guardian columnist Ariel Leve, who questions why paying customers should be made to play the queuing game at restaurants where tables are allocated strictly on a walk-in basis only. What about what the customer wants, she asks.
Adopting no reservations policies is a commercial decision and many are doing this successfully, but namely restaurants in high footfall areas and with certain types of cuisine. The hype and anticipation created by the sight of customers spilling out onto the streets seems to fuel this. There are even guides on London's best no-booking restaurants now, showing that for the customer, it is never too late in the day to secure a table at a restaurant in London.
The increase in no-shows still needs to be addressed however. The launch earlier this year of the airline-style variable pricing model of new restaurant booking service Bookingrid prompted negative reactions by Evening Standard readers, most likely because in times of economic crisis, it is critical to be transparent.
In my view, there are still some fundamental issues that trigger no-shows and need to be addressed: the abundance of marketing direct to potential diners through third party marketing sites, and chains. Where someone may have been happy with their choice of restaurant, they are now being swayed to book another restaurant in favour of a better deal. Is the fickle customer here to stay? Probably. What the industry needs to do now is work hard to educate the customer about loyalty and to put processes in place to negate the chance of as many no-shows. But these will never be eradicated and the customer will not tolerate charges prior to dining. The wider issue is how the customer is changing the landscape of our restaurant marketing and operations. Do we follow or do we rebel?
7: Malmaison and Hotel du Vin parent company announces intention to appoint administrators
When MWB Group Holdings, the parent company of the boutique hotel groups Malmaison and Hotel du Vin, announced it was suspending its shares because it hadn't reached an agreement on how to repay debts owed to its subsidiary company MWB Business Exchange, there was speculation over the future of the company and some predicted it wouldn't be long before administrators were called in. They weren't wrong. However, Gary Davis, appointed chief executive of Malmaison and Hotel du Vin only at the beginning of the year, was quick to quash rumours that the hotel side of the business would need to be sold by administrators and used the opportunity to not only confirm it was 'business as usual' but also to talk about how it planned to grow.
Comment from Emma Eversham, editor, BigHospitality
This year the number of hospitality businesses going into administration, thankfully, dropped on the previous year, which may be one of the reasons why there was so much interest in the news that the owner of two of the best known boutique hotel groups had gone into administration. If these two industry leaders couldn't survive, then what hope would there be for the rest?
However, as Malmaison and Hotel du Vin chief executive Gary Davis confirmed in a follow-up article on the subject, the administration of MWB Group Holdings would have 'no impact' on the two hotel companies because the company was not the main shareholder of Malmaison Holdings which owns the two brands. Davis emphasised it was 'business as usual' and went on to say the company was actually planning to expand by opening another 12 hotels over the next three years.
Indeed, work has already started on a 91-bedroom Malmaison in Dundee that will open next summer, taking the Malmaison estate to 13 and Hotel du Vin will also add another hotel to its 14-strong estate next year after signing a deal to re-brand the St Andrews Golf Hotel in Scotland.
In terms of operations, neither hotel group has let surrounding financial issues get in the way. In May, Davis launched a new menu at Hotel du Vin which returned 'to the spirit of Hotel du Vin' - a place where quality wine and food are as important as the Egyptian linen and Monsoon shower in its rooms - by highlighting French bistro classics and Malmaison continues to position itself as the 'daringly different boutique hotel'.
While the Hotel du Vin and Malmaison names were dragged through the media in November, the hotels themselves do not seem to have suffered so far from negative publicity. The credit must go to Davis, who took charge and spoke to many publications following the news of MWB Group Holdings' administration in order to distance the hotels from the situation and to the companies' amenable PR agencies, who were quick to react to what must have seemed like an endless line of media enquiries.
Read the rest of our countdown so far here


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Actons of Kinsale Hotel was originally established as a hotel in 1946 by two sisters, Sidney and Shelia Acton and since then has established itself as an integral part of Kinsale town. The Hotel is spectacularly located in the heart of Kinsale overlooking the magnificent Kinsale Harbour and Kinsale yacht club.
- Swimming Pool
- Internet
- Bar
- Restaurant
- Gym
- TV In Room
- Day Spa
- Family Friendly
- For Honeymooners
- For Business
- For Weddings
*Price is per person, per night and include breakfast and local taxes; Subject to change based on seasonality; subject to availability.


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Gentlemen in "rock and roll"
Hello there,
During the 1960s when smoking was still legal and the mods and the rockers beat each other senseless due to their varying hairstyles, a new breed of gentleman was born into the music of rock and roll.
Now I'm not talking about Elvis as he was a racist who indulged in fast food and fast women (and a rocker), I'm talking about British rock music.
These bands, although rebellious in the eyes of their parents were still – by today's unfortunately low standard – the utmost gentlemen.
Now we have heard about he styles of music that a gentleman listens to (In Music to a Gentleman's Ears), but if a gentleman must listen to a more upbeat style of music than orchestral but with less instruments than big-band swing there is only one option. No it is not "trance" "music" (I challenge the authenticity of both these terms). The correct answer is British rock.
The British certainly did not invent rock and roll but they did know how to make it popular. This was possible due to the fact that at that time in history Britannia ruled the waves which encompassed the airwaves as well as the tides and estuaries.
The prerequisite when listening to rock music is to see if all the members (there must only be between 4-5 members of a group) are wearing matching attire. If they are, then you can rest tight that the music is adequate for a gentleman's ears.
So there you have it.
G.O. Brixley


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The Spanish government is considering the possibility of imposing additional taxes on the owners of cars that produce above-average levels of pollution (read article in Castilian here, El Periodico). One of the main targets for such a potential law would be 4x4 vehicles, especially those that use diesel fuel. The Spanish vicepresident and minister of economy Elena Salgada broached the subject yesterday, although she discounted it as an imminent move but added that at some point it would be necessary to bring environmental taxes into line with EU requirements so that those who cause more pollution pay more. In addition, the environmental minister Rosa Aguilar said that she will propose carrying out a study of fiscal policy regarding the taxing of vehicles that emit high levels of pollutants.
There is a growing rejection amongst Spaniards regarding the number of foreigners living in the country according to research carried out by the Centro de Investigaciones Sociológicos (read article in Castilian here, La Vanguardia).The findings of the investigation show that perceptions held by Spaniards on the subject are firm if inaccurate. For example, many believe that immigrants are the group that receive the most financial assistance in Spain, even more than elderly people who live alone. There is also a lack of knowledge about exactly how many immigrants there are living in Spain; currently about 10 percent of the population here is made up of foreigners, but Spaniards perceive the figure to be double that. In addition, only 17 percent (a fall of three percent since 2008) believes that the number of immigrants here is an acceptable amount, while 70 percent believe that laws dealing with immigration are tolerant or too tolerant.
Barcelona's Socialist City Council is looking at ways to rehabilitate some areas of the Raval neighbourhood, specifically the streets of Sant Ramon and Robadors, including forcing building owners to do up their properties or face losing them (read article in Catalan here, Avui). However, opposition parties in the council, CiU, PP and ERC, have said that although they are in favour of doing up the area, they have doubts about how this initiative could be applied and managed. The head of CiU's municipal group and mayoral candidate, Xavier Trias, said that the plan was "good and positive" but added that it was a shame it had taken so long to come to fruition, saying that until now the council hadn't bothered about what was going on inside some of the houses on these streets, including prostitution. Current mayor Jordi Hereu replied to this criticism that his council had "never abandoned the Raval". Trias also criticised the fact that the financing of the scheme was unclear. Alberto Fernández Díaz leader of the PP in the council also voiced his concern that the plan was coming to light just a few months before council elections are due to take place, so it could be a totally different council that actually has to carry out the work. Fernández Díaz added that his group had presented a similar proposal in the past that had been rejected by the council. Finally, ERC mayoral candidate Jordi Portabella said that the plan had an improvised air, in particular because it requires new organisations and levels of coordination with the Generalitat that are not currently in place.


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Instant Elimination: James Massone Cee-Lo read his prepared remarks off his phone, which all leadup to letting Lil' Jimmy Headbead going home. It was a really obvious choice, as his teammates all knocked it out of the park.
So who should get through tonight? I would say that Jamar and Tony will get the audience save for their respective teams and I'd pick Juliet and Katrina to warrant the coach's saves unless they positively blow it. How about you? Sound off below!


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I know that as one who is saved by grace and a child of God's, I am expected to walk with God daily. At all times. But…. I still live in my fleshly body and I am not perfect. Not at all..
Here we all are, as is most families right now, almost living paycheck to paycheck. It's okay. We have what we need, we are not doing without and the power is still on and we haven't lost any weight, lol… You know what I mean?
But it is only by the grace of God that we are where we are. That the bills are being paid and food in the cabinet. Clothes on our back and shoes on our feet. All by the grace of God.
But it is these times that you have no choice but to press towards God and totally rely on Him. Because in you, it doesn't look possible but with Him… all things are possible. And this is where I get excited !! I love being pressed to rely on God and not myself or even rely on my husband. I do rely on my husband to be the head of the home and to know what to do and what not to do. You know what I mean, right?
But it just really bonds a family and a couple together when you rely on God, call on God and wait on God, together in these times and in all times.
Tonight my husband and I had to sit down and look at the checking account, see what was there and look at what is coming up due and map out what needs to be done. Things are tight, there really isn't any "extra" but it is all going to work out.
And even though things are tight, and we have to count every penny we spend, we are trusting God and still have our family and friends over for dinners from time to time. This weekend we have a younger couple and their children from our church coming for dinner. God is good and our money stretched enough and I am going to be able to honor them with a really nice meal. I know that the meal does not matter. They will love whatever I serve. But it is an honor to me to be able to "love" them, to "prefer" them above us and doing so by serving them a meal that is special. So for their meal this Saturday the menu will be:
Garlic bread
Home-made cake
I can not wait !!


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P&O Ferries European Break Away terms and conditions
Anyone who enters the Competition (an "Entrant") will be deemed to have understood these Rules along with the Terms and Condition and will be bound by them
The following rules are in addition to the kmfm competition terms and conditions which can be found here
Competition Rules
To enter the Competition an Entrant must call the studio on 01227 786106 (calls charged at standard network rate) when invited by the on air presenter/s. (Phone lines will be closed before the competition and presenter/s will announce when they open).
Entrants must be aged 18 or over.
The days randomly chosen entrant will win a return short break crossing for getting on.
They will then be asked to choose their P&O Ferries onboard upgrade. Either Club Lounge entry or a 3 course meal in the Brasserie for two/four people. To win this upgrade the entrant must correctly answer a question related to their choice of upgrade. Eg, if they choose a meal in the Brasserie the question could be food based.
The entrant will then be asked to listen to an audio clip of a tourist guide talking about a European destination that could be visited once arrived in Calais on P&O Ferries. To win £400 the entrant must correctly answer the question based on that tourist guide audio clip.
If the chosen entrant does not answer their phone for whatever reason another entrant will be chosen.
If during the call the entrant does not answer when spoken to for whatever reason, including technical issues from the entrants phone, that call may be ended and another caller will be chosen at random.
If the caller is driving at the time of their call and can not pull over for whatever reason, another caller may be chosen at random.
A call will be recorded and played out on air.
The randomly chosen entrant will be required to talk to the presenters.
This competition runs on kmfm Breakfast (6am-10am) from 16th-20th September 2019.
1x return short break car crossing (3-5 days) for 4 people.
The winners choice of either 1x Club Lounge entry or 1x 3 course meal in the Brasserie for 4 people.
£400 spending money.
Winners must be aged 18 or over.
There are 5x lots of prizes to be won in total.
There is no cash alternative.
Crossings subject to availability.
Winners must hold a valid passport.
Upgrades are subject to availability at time of travel, therefore winners will need to ensure that they travel on dates that all services are available.
Listener Club
Get more with the Listener Club!


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"filling the jails is a total game changer and will stop the 3rd runway this autumn if we can mobilise several hundred people and that will create the mass mobilisation we need to create a national crisis in October"
Extinction Rebellion co-founder Roger Hallam comes to Frome in August to deliver a controversial keynote speech entitled 'Emergency means Prison' at Campfire Convention's 'Campout 2019' gathering at Field 725.
The activist doesn't mince his words over the level of action that he thinks we need to take in order to prevent the climate emergency that is becoming an immediate and serious threat to our way of life. He suggests that immediate action can bring about "the biggest transformation in world history which in turn might have an outside chance of preventing social breakdown in the short term and extinction in the middle term."
Hallam is speaking on Saturday at the late August 5-day event hosted by social network Campfire Convention, founded by Big Chill festival creator and Frome resident Pete Lawrence. The event, described as "five days of sharing ideas, inspiration, connection and collective joy" will also feature music, art, yoga, wellbeing, open air saunas, a mentorship circle and, of course, campfires.
Other speakers include Brett Hennig from Sortition Foundation, author of 'The End of Politicians', Momentum former vice-chair Jackie Walker, who was recently suspended from the Labour Party over allegations around antisemitism which led to a feature film by John Pullman entitled 'WitchHunt' and Frome residents Jo Berry, who committed her life to the peaceful resolution and mediation of conflict after the death of her father, Tory MP Sir Anthony Berry, killed by the IRA in a Brighton hotel bombing in 1984 and Flatpack Democracy author and architect of Frome's independent politics revolution, Peter Macfadyen.
It's crunch time for Hallam and Extinction Rebellion "I am going to spend the summer doing talks to recruit people who are willing to go to prison through closing down Heathrow" he announces, as he ups the ante with a clear and heartfelt rallying call to action.
"There is an understandable tendency to assume XR is just a movement rather than an emergency mobilisation which will require thousands of people to go to prison and be arrested in the next 12 months in order to be in the ballpark of triggering the biggest transformation in world history which in turn might have an outside chance of preventing social breakdown in the short term and extinction in the middle term. "Emergency means prison" is probably the best title I can use for the Campfire talk to stand a chance of blowing people away.
"This may sound a bit full-on but I have to focus my time on the highest leverage activity and filling the jails is a total game changer and will stop the 3rd runway this autumn if we can mobilise several hundred people and that will create the mass mobilisation we need to create a national crisis in October"
Extinction Rebellion confirmed that it had reflected on feedback from its initial plans to shut down Heathrow, and that its new proposals included measures to minimise disruption for travellers. The organisation is planning further action and rebellion on the streets in October. The Frome membership of its organisation was central to the worldwide Easter protests which centred around London and now numbers hundreds.
Encouraged by The Big Chill's success in building a 40,000 capacity event around a thriving online forum united in a common interest, Pete Lawrence was inspired to explore how communities and social networking can make a difference. His vision for Campfire Convention takes this concept of community a stage further and connects into the current growing eco-consciousness and a movement towards member-led co-operative projects, a concept which he sees working online and in face-to-face meetings and events such as Campout.
Campout 2019, August 28-September 1 at Critchill Estate, Frome, Somerset, BA11 4JL
Campout details and ticket links: https://www.campfireconvention.uk/campout


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Steve Crowther: David, you have programmed a launch day for the 2015 Late Music concert series which will take place at the Unitarian church in St Saviourgate on Saturday 28th February 2015. What can we expect from this day?
David Power: The day will comprise two events. A lunchtime concert at 1pm by Sounds lyrical and an evening multi-media event at 7pm by the Vestiges group. Both events are free and there will be wine, juice and nibbles. The idea is that Late Music followers can come along to a relaxed environment, meet their friends at the start of the new season, have a drink – or two! - and hear and see a variety of interesting work.
Steve Crowther: What can we expect from the Sounds lyrical lunchtime concert?
Well, Sounds Lyrical is a group of local poets and composers that I formed a couple of years ago. They are myself, David Lancaster, Tim brooks and Peter Byrom-Smith (composers) and Alan Gillott, Rose Drew, Lizzi Linklater and Andy Humphrey (poets). The idea is that the poets and composers work together to create new songs and these songs are then performed in both concert settings and at poetry events. The poet reads their poem and then this is followed immediately by a performance of the composer's setting of that poem. In this concert we will be presenting 5 Sounds lyrical pieces this way. We will also be playing songs by Britten, Schubert, Gershwin, Kurt Weill and Gerald Finzi so it will be a fascinating and varied lunchtime concert.
The performers are Josephine Peach (piano) and the excellent young baritone Ben Lindley. The concert is free and starts at the Unitarian Church in St Saviousgate at 1pm on Saturday 28th February.
For more about Sounds Lyrical, please visit http://www.soundslyricalproject.org.uk/
Steve Crowther: In the evening of the Launch Day, we have a multi media performance by Vestiges. What can we expect from that?
Vestiges is a combination of music, art and film. The music is a joint seven track pre-recorded composition by myself and David Lancaster. My contribution is eight short two track electronic pieces which are relatively dramatic in character and are played through speakers on the stage pointing out to the audience. They are punctuated by silences, sometimes of several minutes. David Lancaster's piece is a five track work, more ambient in character and more continuous. We now have wireless speakers for David's music so there are all sorts of new options as to where we can place these. The duration of this overall piece is variable but, in the Late Music launch day concert, we will play it for about 40 minutes.
The art will be by Linda Ingham. We are still working on the film as our usual film contributor – Annabel McCourt - isn't available.
The Vestiges performance will be topped and tailed by piano music played by Edward Caine. These will be extracts of pieces that can be heard later in the 2015 Late Music Series so they form 'tasters' of what is to come, so to speak, and will include music by Schoenberg, Messiaen and Ligeti.
For more about Vestiges, please visit http://vestigesofspirituality.com/
Steve Crowther: How did Sounds Lyrical and Vestiges come into being.
I got the idea for Sounds Lyrical at a Late Music 'song day' a few years ago. I approached some composers and poets and told them my idea. After some discussion, we were up and running. Shortly afterwards, we did a guest spot at the Ryedale Book Festival to a markedly larger audience than we could have expected for a contemporary music concert and our work was very well received. We knew then that we were onto something and it went from there. Last year we got an Arts Council grant to do 4 concerts at the Basement at City Screen plus a one hour radio show on Leeds East FM. The next Basement concert, by the way, is on Thursday 5th March.
Vestiges came about through discussions between Annabel McCourt and myself. Annabel is a very gifted film maker whose work ranges from gritty social realist work with hard-to-reach people right through to art house work. I have supplied music for the soundtracks of a number of Annabel's short films but we had never conceived a project together from scratch. For Vestiges, we wanted to do multi-media work in churches. We got a grant and undertook a short tour of northern English churches presented Vestiges. It went very well and, in total, just over 3,000 people came
Steve Crowther: What are the advantages for a composer of working collaboratively with artists in other art forms?


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Hi, I'm Jess. Welcome to the blog. Here you'll find conversational-style musings about a range of topics, including writing, gaming, crafts, books, the esoteric, raising a child, and general life in New Zealand.
Here's a small sum-up of my online presence:
This blog is hosted at discombobulated.co.nz (which uses blot.im)
I also micro blog at discombobulated.micro.blog. (And am Micro Monday interview #9 with Jean MacDonald!)
My old blog can be found at herself.wordpress.com. You can find my archives, which date back to ~2003, there.
I also wrote a tarot blog for a while, which I think still holds up. I am currently looking at ways I can use these little powerhouses of symbol to help enhance my brainstorming / wild creative ways, and even as a method of structuring my fiction writing. This post, Tarot for writers, pretty much sums up how I use the cards when I'm thinking creatively.
I used to post scans of photos I took and developed on Flickr, but I've found their pricing model change is too hard to justify right now. Watch this space.
I post pictures of things I've crafted on Instagram, though to be honest I've been taking a break from that platform lately.
Even older: archive (courtesy of the wayback machine) of my diary-x blog. Oddly, this only shows the archive for 2001 (but surely that's enough, right?) In looking for this link though I managed to bring up some later entries (see this one from 2005). I guess you could work your way backwards from there if you were seriously determined. I don't even know if I am, to be honest. But thanks Wayback Machine, all the same!
I don't know if comments are the done thing, any more? I'm still figuring out this new platform, so unfortunately if you want to say hi at present you can either pop over to one of those other venues and say hello, or write me an email at jessica.nickelsen (at) gmail (dot) com.
This may change in future, (investigating comment options) so stay tuned!
(P.S. If you like what you read, I'd love it if you'd consider buying me a coffee!)


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Introduction: 3D Game Pieces - Martian Chess
As some projects are one thing leads to another. I had just finished my Adirondack chairs and Foot stool/table which I had decided to make into a checker board because I'm a huge game lover. It was after this I got to thinking I wonder what other games can be played on a Checker board layout. So I did some research. As it turns out there are quite a few other games. Obviously Chess, but some other lesser know games. Check out this link for a list and most of their game rules here: https://en.wikipedia.org/wiki/Checkerboard
After looking through some of these I got intrigued with the idea of Martian Chess. The reason I chose this game is because it has the variation of two to four players. And based on the rudimentary example of the playing pieces on the website, I decided to create my own game pieces that would fit and be playable on my board/foot stool.
The Game has each player with Nine pieces. The normal game structure calls for: three small pawns, three medium drones, and three large queens. I added my own wrinkle to the game by changing the 3 drones to workers and then two of the queens to be drones, then one large queen. So my version breaks down like this: 3 small pawns, 3 medium workers, 2 large drones, & 1 larger queen. See attached game rules for movement and play.
Step 1: Step 1: Create Your 3D Designs.
I used Tinkercad, but I'm sure if you have a 3D program you prefer, as long as it exports the .STL file formats that 3D printers can use. I started off with doing a full size pyramid to fit exactly to the square on the board. Approximately and 1.5". I then made it to what looked like an appropriate height. When this was done I duplicated the piece scaled it down to where the insides was 3-4mms thick and positioned it down and made it hallow knockout. By doing this my intent was to make the larger pieces swallow or nest on top of the smaller pieces. With the first piece done I simply stepped and re-scaled each subsequent piece down until I had all 4 sizes created.
Once I had a complete set done I decided to create 4 different clans and gave each group a unique geometric identifier along with a unique color to be printed in. The clans are called: Ambertz, Hexatrons, Oblisq, Umbrax.
I also included the 3D .STL files, these need to be printed on a larger 3D printer.
Step 2: Step 2: Testing Fit, Adjust, and Export.
I opted to not worry too much about test print and fit as I felt pretty confident based on my testing in Tinkercad that I had made it for a good fit for the pieces to be stackable. So I just exported the .STL files out and sent to my daughter for printing.
And after the first set she printed proved my theory and designs were correct. They all nested fine.
Step 3: Step 3: Finalize Game
All 4 Clans finished sets. Pictured are all 4 sets now.
I hope you enjoy my variation on the game an the pieces I designed. Again I'll post the other clans as they get printed.
Step 4: Step 4: Rules and Back Story Updated and Stand Alone Game Board
I've created a couple game boards, also fleshed out a back story for fun and gave the rules a bit more of a graphic treatment for the rules as well. Next step will be to design a box to contain it all.
Step 5: Post Note!!
Thanks to Brian Hunt for pointing out to me how similar my game pieces are to an existing game an pieces that's out there. See his comments.
I'm blown away how similar my idea is to the existing one. Just goes to show there are no new ideas out there anymore. Well at least rarely anyway. Mine obviously a bit different but if your interested check out this link from Wiki links on the history of the game. I'm surprised I didn't stumble across this when I first looked for the checkerboard games. Guess I was just one click away.
Participated in the
Plastics Contest
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7 Discussions
cool but a little confusing
Confusing? How so?
i just dont get how you play it
Download the instructions PDF.
Now that you have homemade icethouse pieces, there are all sorts of games you can play. Two games I enjoy are Volcano and Homeworlds. There is a Wiki devoted to games with the icehouse pyramids. They can also be used with the piecepack system. For those wanting to get into them easily and cheaply you can find origami ones online plus you can just buy them from looney labs.
Amazing.... LOL I went looking for the game you mentioned and I'm blown away. I've never seen that game before. Just goes to show you (or at least me) there are no original ideas anymore. Here I thought I was doing something brand new. Oh well. I'm still happy with it.
I realize there are a ton of independent games out there. Never occurred to me there might something so similar. At least I didn't make claims that its never been done before.


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As far as I can tell, a compatible 3B+ version of Ubuntu-mate is not available.
Please see https://ubuntu-mate.community/t/raspber ... port/17791
You may be able to roll your own if you find the appropriate threads on that forum.
Or you could try the Raspex version in PINN which is Ubuntu 18.04 with LXDE.


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The IB Primary Years Programme (PYP)
Private schools offering the International Baccalaureate (IB) for students 3 to 12
Passionate teachers have the power to excite and inspire young people. Our faculty is both the heart and the backbone of our dynamic school."
The International Baccalaureate (IB) was initially created for students aged 16 to 19. It was intended to provide a well-rounded, high-quality, advanced course of study that delivers the basics of high school education while challenging students to apply their knowledge and skills through collaboration, discussion, and communication. Read more


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Marco Pardi, President - Marco Pardi lives in Mill Valley with his wife, Maureen and three children where they have resided since 1997. Marco has been active in support of public schools for many years including participation in 3 successful Mill Valley school parcel tax campaigns and a bond measure where he ran fundraising for the most recent two campaigns. Marco was a member of the Citizen's Oversight Committee from 2009-2013 for the 2009 Bond Measure. Marco has also been active in the local youth sports programs as a volunteer head coach for Mill Valley Soccer Club and the Mill Valley Little League for many years and served one year as the AGC (Age Group Coordinator) for MVSC. Marco is currently the Managing Director at media and communications company UBM LLC where he runs the technology group of events and digital media. Marco holds a B.A. in Economics from University of California, Berkeley.Emily Uhlhorn, Vice-President/Clerk - Emily and her husband, Bryan, have two sets of twins and moved to Mill Valley 10 years ago because of its small-town sense of community and excellent schools. The younger set of twins attends Park School and the older attended Park, graduated from MVMS, and are now at Tam High. Before having kids, Emily obtained a master's in special education and had a private practice working with children with learning differences. Since having kids, Emily has been a stay-at-home mom and has volunteered extensively in the classroom, on PTA Boards, Site Councils, as a basketball coach, and at the district level. She co-chaired the successful Measure B and Measure E campaigns and has served on the Community Financial Advisory Committee. Emily also serves on the SchoolsRule-Marin Board and is active in the Mill Valley Rotary, running community service groups at both MVMS and Tam High. She was elected Trustee in 2018.
Bob Jacobs, Trustee - Bob Jacobs has been a resident of Mill Valley since 1976 with his wife Paz and their two children Ian and Hilary. Bob's children both attended the Mill Valley public schools. Bob graduated from the University of California in 1965 with an AB in Zoology. Bob was a high school Biology, Physiology and Environmental Problems teacher for twenty-one years at South San Francisco High School and Zuni High School on the Zuni Reservation in New Mexico. Bob taught eighth grade General Science at Santa Rosa Junior High and Life Science at Mill Valley Middle School for nineteen years. Upon retirement in 2010, Bob ran for the Mill Valley School Board and has been a trustee since 2011.Todd May, Trustee - Todd May has lived in Mill Valley since 2010 with his wife and two daughters, who both attend Mill Valley schools. Todd began his involvement with the District in 2011/12 when he joined the Community Financial Advisory Committee and became a Trustee in December of 2013. Todd and especially his wife have enjoyed coaching their daughters' sports programs, and spending time hiking and running in the area.
Leslie Wachtel, Trustee - Leslie Wachtel joined the Board in 2011. She was President of the Board in 2013, 2015, 2017 and 2019. Leslie and her husband Ken have lived in Mill Valley since 1984 and have raised their four children in Mill Valley. She has been an active volunteer in schools for over 25 years serving on the boards of Tamalpais/Strawberry Preschool (President for 1 year), Old Mill Elementary School PTA (13 years including 4 years as President), Southern Marin PTA Council (President), 16th district PTA President (Marin County), Kiddo! (Board Member for 10 years including 3 years as board chair), Tamalpais High School PTSA (Board for 7 years including 3 years as President), Tam High Foundation (Board Member for 7 years including one year as Chair). Leslie continues to volunteer at Tamalpais High School, offering tours of the school to prospective families. Leslie also has served on the Friends of the Redwood's Board and The Redwood's Board. Leslie served as Vice Chair on The City of Mill Valley's Traffic and Congestion Reduction Advisory Task Force (2015-2016). Leslie graduated with a B.A. in Fine Arts from Santa Clara University.


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English - But Martin W/C 4/2/19
Date: 8th Feb 2019 @ 2:40pm
At the beginning of the week we found green glitter all over our classroom. We found an alien called Martin in our room, he had crashed his spaceship! We created our own aliens using playdough and thought about how we could describe them. We also created a fact sheet about our alien using our phonics knowledge to write all the sounds children can hear in a word.


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†Ambulocetus natans Thewissen et al. 1994 (whale)
Mammalia - Artiodactyla - Ambulocetidae
PaleoDB taxon number: 62971
Full reference: J. G. M. Thewissen, S. T. Hussain, and M. Arif. 1994. Fossil evidence for the origin of aquatic locomotion in archaeocete whales. Science 263:210-212
Belongs to Ambulocetus according to P. D. Gingerich et al. 2017
Sister taxa: none
Type specimen: H-GSP 18507, a partial skeleton. Its type locality is H-GSP 9209, which is in a Lutetian marine siltstone in the Kuldana Formation of Pakistan.
Ecology: scansorial insectivore


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If you're looking for work to fit around your clinical/medical studies, or are a retired nurse or midwife looking to work additional hours in your spare time, working flexibly through NHS Professionals could be the perfect solution for you.
If you are studying, you must be either in your second year of study or have already completed a 12-week placement within a hospital setting. Our care support worker development programme also provides opportunities for those looking to start a career in nursing and midwifery, whilst studying for your professional qualifications.
Working in partnership with over 55 trusts across England, we have plenty of opportunities in nursing and midwifery to suit your lifestyle and personal commitments.
Inspired by her mum to work in healthcare, Emily is really passionate about making a difference to the patients she cares for. We are sure that she has a long, exciting career ahead of her.Read more
Leigh followed in the footsteps of a long line of healthcare professionals in his family, starting his career as a cadet nurse at just 16 years old! After 44 years in the service, he retired before joining NHSP professionals so that he could still utilise his extensive skillset while still enjoying his retirement.Read more
NHS Professionals is the biggest staff bank provider to the NHS with over 120,000 members registered on our bank, who provide essential shift cover for our NHS clients to help them deliver better patient care.
Whether you're looking to enhance your skillset, gain more experience or simply earn a bit of extra money, NHS Professionals can help you achieve this.
Register with us and look forward to exciting career opportunities as well as the ability to develop professionally and obtain experience in the NHS at some of the most prestigious NHS trusts in England.


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The Journal online has become part of Concordia University NOW, your source for the latest university news and upcoming events. This site will no longer be updated. Visit the NOW website to read the Journal online and more.
As a graduate of the university, I take special interest in photographing Concordia structures and the environment within which they are found, explains Ziad Chatila of this artistically-modified photo. The view of the Hall and Library buildings, when juxtaposed with the digger in the foreground, represents rebirth. If you would like to see your image here, visit our Flickr page at www.flickr.com/groups/concordiapicks and send us your Concordia pix.


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The man who claims he was Michael Jackson's "only manager" in the year before the King of Pop's death has settled his megabucks lawsuit over allegedly unpaid commission.
Tohme Tohme settled with the co-executors of Jackson's estate Thursday after suing them in 2012 and starting a trial in Santa Monica last week, the parties said in a joint statement.
Jackson's mom Katherine Jackson and brother Jermaine Jackson were listed as potential witnesses.
"The estate of Michael Jackson and Jackson's former manager, Tohme Tohme, confirm that they have amicably settled a lawsuit that had been underway in the Santa Monica Superior court," the statement said.
"The Estate acknowledges his efforts on Michael's behalf," it continued. "The confidential settlement marks a resolution to an almost decade-long contractual dispute."
The parties declined to specify any financial terms of the deal.
In court filings, Tohme said Jackson hired him in May 2008 to help prevent a foreclosure on Neverland Ranch and signed him as a manager in July 2008 under a contract paying 15% of the "Beat It" singer's total compensation.
He claimed he was owed a $2.3 million finder's fee for the loan Jackson got for Neverland Ranch and a cut of the estate's "This Is It" profits.
Estate executors initially fought the lawsuit, saying the management agreement was unenforceable. The executors argued Jackson signed the deal without independent legal advice and that Tohme wasn't a licensed talent agent when he booked the singer for the ill-fated "This Is It" tour.
They also claimed Tohme was fired before Jackson died on June 25, 2009 from an accidental overdose of the surgery-strength anesthetic propofol administered illegally in his bedroom.
Tohme's relationship with Jackson was the subject of disturbing emails that were at the center of the Jackson family's failed lawsuit against AEG Live, the concert company that created and promoted the "This Is It" tour that was supposed to take place at London's O2 arena between 2009 and 2010.
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Jackson died while preparing for the tour.
In emails previously obtained by The News, AEG boss Randy Phillips talked about Jackson's personal demons as he described how he and Tohme struggled to get the singer to the podium of the O2 arena on March 5, 2009, to announce the "This Is It" deal.
"MJ is locked in his room drunk and despondent," Phillips wrote. "Tohme and I are trying to sober him up and get him to the press conference."
Phillips said he screamed at Jackson "so loud the walls are shaking."
"This is the scariest thing I have ever seen. He is an emotionally paralyzed mess riddled with self-loathing and doubt now that it is show time. He is scared to death," Phillips wrote.


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Bronx, NY MBI Group has completed a $20 million expansion for Bronx Charter School of Excellence as the construction manager and builder. The project consisted of a new seven-story tower along with renovation of an existing two-story annex to create an integrated school complex located at 1952-1960 Benedict Ave.
MBI Group provided pre-construction and construction services for the renovation and new construction project for the Bronx Charter School of Excellence, working with the school's internal executive staff and design team on schematic drawings. Collaboration and value-engineering with the design team led to the final production to get this project completed on time and within budget. The architect on the project was CTA Architects P.C. The project was designed to meet and obtain a LEED Silver certification.
"MBI Group is proud to partner with Bronx Charter School of Excellence, creating high-quality spaces for tomorrow's leaders," said Alex Getelman, executive managing director of MBI Group. "The opening of this prestigious facility was heartfelt for me, being the son of an educator and working closely with the hardworking school board and local officials. The project included building a new tower and the renovation of an existing school building, with a goal of expanding and improving the school's facilities for all students, teachers and administration. For over 30 years, MBI Group has completed successful projects for some of New York City's most prominent corporate, healthcare and educational clients."
MBI Group completed previous interior renovation projects for Bronx Charter School of Excellence.


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|Cash Required:
|Total Investment:
|$36,500 - $69,900
|Via 3rd party
|Sports & Recreation
|Total Units:
|Franchising Since:
|Ranked by Entrepreneur's Franchise 500 magazine for 10 years; Named among Franchise Dictionary magazine's Top 100 Game Changers for 2018; Recognized by INC. magazine in their list of 5,000 Fastest Growing Private Companies for 7 years; Ranked by Franchise Times Top 200+ for the past 11 years; Recognized as a Top 100 franchise for 2019 by Franchise Gator
Based in Tampa, Florida, i9 Sports® is the nation's first and largest youth sports league franchise business* with more than 2 million player registrations spanning hundreds of communities from New York to Hawaii. Our franchise owners offer youth sports leagues, camps, and clinics for boys and girls ages 3 – 14 in today's most popular sports such as flag football, soccer, basketball, and baseball.
Since our first franchise was sold in 2003, i9 Sports has given entrepreneurial individuals who have the desire to make a living doing something they love a time-tested way to achieve their dreams.
Why are so many entrepreneurs drawn to the i9 Sports franchise business opportunity? Aside from the appeal of sports and the ability to make a difference in the lives of kids, our model makes a huge difference in the lives of our franchise owners and their families! i9 Sports franchises are home-based and offer our franchise owners the freedom, work/life balance, and financial independence that only come through owning your own business.
Join the team and earn a living doing something you enjoy!
i9 Sports is Looking for Aspiring Business Owners Like You!
Ready to step into a full-time career doing something you enjoy? Contact us to learn more!
i9 Sports® is currently accepting inquiries from the following states: Wyoming, West Virginia, Wisconsin, Washington, Vermont, Virginia, Utah, Tennessee, South Carolina, Rhode Island, Pennsylvania, Oregon, Oklahoma, Ohio, New York, Nevada, New Mexico, New Jersey, New Hampshire, Nebraska, North Carolina, Montana, Mississippi, Missouri, Minnesota, Michigan, Maine, Maryland, Massachusetts, Louisiana, Kentucky, Kansas, Indiana, Illinois, Idaho, Iowa, Hawaii, Georgia, Florida, Delaware, Washington, D.C., Connecticut, Colorado, Arizona, Arkansas, Alabama, Alaska.
Interested parties should have at least $50,000 in liquid capital to invest.Request Information


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SCBWI 2015 Crystal Kite Awards: Wish Me Luck!
If you're a member of SCBWI, don't forget to vote for your favorite children's book for the 2015 Crystal Kite Members Choice Award. Voting takes place this month in two rounds. Only SCBWI members can vote, and they can only vote for books in their region. I have a vested interest in the Atlantic division. Not only is my book, The Eighth Day eligible, but so are books by a lot of authors I know (virtually and IRL), like Joshua David Bellin, Kell Andrews, Nancy Viau, Charlotte Bennardo, Jacqueline Jules, Yvonne Ventresca, and Timothy Young.
Wish us all luck!
9 Responses to SCBWI 2015 Crystal Kite Awards: Wish Me Luck!
Good luck, Dianne! Fingers crossed for you.
That's awesome! Good luck and sorry I can't vote.
Good luck! I can't vote, but I will be over here holding my pom poms for you!
That's so exciting! Good luck, Dianne! 🙂
Already voted the day it opened! And although I know a few of those authors too (and wish I could vote for all of them), I did vote for The Eighth Day. Best of luck!
Yay, Joanne! 😀 And thank you!
Hi Dianne .. I'm not a member .. but I certainly hope you win … I just feel The Eighth Day has lots of winning life in it .. very good luck – cheers Hilary
Good luck! I wish I could vote. Hope you win.
So exciting! I'm a Mid-Atlantic region member and hope I can vote for you. Good luck!


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Monthly Archives: August 2013
Milk Alternatives for Children
I always thought that soya milk was the only alternative for young children with allergies and until a couple of years ago I didn't even realise that many children were actually allergic to soya (and that this is common in … Continue reading
Posted in Diet, Food Allergy, Milk Allergy Tagged Almond, Almond milk, Coconut Milk, Food Standards Agency, Grain milk, Milk, Milk allergy, Nut Allergy, Rice milk, Saturated fat, Soy milk, Soya Allergy, Vitamin 5 Comments
My Refluxer – Guest Post
This is a guest post, by friend and fellow CAN member, Ursula Easton-Pool My Refluxer My son is here, C-sec as breech, His cot is close, within my reach. All goes well, he just won't sleep, The fussy feeds, arching … Continue reading
CAN Research – Anaphylaxis Mini Poll
Just thought I would share with you the results from the CAN Research Group last week. We had another Mini Facebook Poll while the first big survey was having minor adjustments made. Here is what we found on the subject … Continue reading
The Soya for Babies Debate
The debate rages on and on for us over at the CAN (Children's Allergy Network) Facebook group. Soya, is it good for our children? Will it have long term effects on their reproductive health? The main problems are 1) there are … Continue reading
Posted in Food Allergy Tagged Health, Reproductive Health, Soya Infant Formula, Soybean 2 Comments
August – Articles of Interest
A long month and I have been reading plenty, the reading list is very Guardian and BBC heavy, I hope something here tickles your fancy! Mystery of the vanishing gun inventor http://www.bbc.co.uk/news/magazine-23709471 Pregnant in the lab: how does child-bearing affect … Continue reading
Posted in Campaigns, Current News, Diet, Food Allergy Tagged Ben Goldacre, Food and Drug Administration, Guardian, Health, Margaret Atwood Leave a comment
Allergy Research Group
I have been writing a piece on histamines for nearly a month now, it is to the point where another half hour and I will be done, but I have lost interest now that all the research is done. So … Continue reading
Posted in Atopic Disease, Eczema, Egg Allergy, Food Allergy, Hayfever Tagged Allergies, Allergy, Conditions and Diseases, Facebook, Health Leave a comment
July – General Articles of Interest
I have had another very busy month, so haven't been reading as much as usual, but here is what I have found interesting. Congo Paralympians who feared for their lives thank UK for granting them asylum http://gu.com/p/3h5f7 MMR jab … Continue reading
Posted in Uncategorized Leave a comment


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It will be the home of the quickly growing streaming services (Disney-branded OTT product and ESPN Plus, as well as the company's stake in Hulu ). The move, effective immediately, comes as Disney is in the process of purchasing film, TV and global businesses from Twenty-First Century Fox.
However, the consultation goes on to question whether the current denominational mix of eight coins and four banknotes meets consumers' and businesses' current and future needs. The document also notes that people associate the £50 note with money laundering, tax evasion, and criminal activity. The decreasing use of cash for small-value transactions, together with the public returning stores of small change to banks, meant the issues were becoming more pronounced.
GM is said to be preparing its pilot program for this summer, suggesting it will be a traditional car-sharing service rather than relying on self-driving operation. The company raised $92 million in a September funding round led by Germany's Daimler AG and South Korea's SK Holdings Co., which valued Turo at about $700 million.
It is down 0.00% since March 13, 2017 and is. It has outperformed by 26.80% the S&P500. Among 25 analysts covering Proctor & Gamble ( NYSE:PG ), 12 have Buy rating, 1 Sell and 12 Hold. Analysts await Transmontaigne Partners L.P. (NYSE:TLP) to report earnings on March, 13. It is calculated by dividing the current market price of the stock by its earnings per share (EPS).
Utd Fincl Bank owns 0.13% invested in Mondelez International, Inc . C for a number of months, seems to be less bullish one the $65.92B market cap company. BUNCH CHARLES E bought $87,800 worth of stock. As per Friday, July 7, the company rating was maintained by Stifel Nicolaus. Credit Suisse maintained Mondelez International, Inc .
Bedrijfstakpensioenfonds Voor De Media Pno sold 515,000 shares as Cisco Systems Inc ( CSCO)'s stock declined 7.50%. The Coastline Trust Co holds 116,532 shares with $3.92 million value, up from 105,723 last quarter. American Century has 0.51% invested in Cisco Systems, Inc . (NASDAQ: CSCO ). Df Dent And holds 66,196 shares or 0.06% of its portfolio. Following the completion of the sale, the director now owns 113,154 shares in the company, valued at $4,299,852.
The stock has been active on the tape, now trading at $36.43, down from yesterday's close by -1.43%. During the same quarter past year, the firm posted $0.89 earnings per share. $22.57 million worth of stock was sold by ROBERTS BRIAN L on Thursday, December 14. Investors sentiment decreased to 1.03 in 2017 Q3. Its down 0.10, from 1.03 in 2017Q2.
The meeting was called to discuss the ongoing sealing drive against traders in the national capital. The drive is being implemented by the three BJP-led municipal corporations in Delhi. He said the Delhi government had not yet met the monitoring committee since the sealing drive had begun, adding that the chief minister had also agreed to a meeting with the committee.
Apg Asset Mgmt Nv stated it has 1.70M shares. Chevron Corporation (NYSE:CVX) has risen 6.68% since March 14, 2017 and is uptrending. It has underperformed by 21.05% the S&P500. Northern Tru Corporation holds 0.18% of its portfolio in Express Scripts Holding Company (NASDAQ: ESRX ) for 10.77M shares. Schaper Benz & Wise Inv Counsel Wi invested in 0.93% or 94,730 shares.
The merger of M&G and Prudential's UK life insurance business, Prudential UK and Europe, to create M&G Prudential was only established last August. Following completion, Rothesay Life will be the largest specialist annuity insurer in the United Kingdom, covering 400,000 policyholders. Looking forward, we believe we will be better able to focus on meeting our customers' rapidly evolving needs and to deliver long-term value to investors as two separate businesses.
Delta Apparel, Inc., through its subsidiaries, designs, makes, sources, and markets a portfolio of lifestyle basics and branded active wear apparel, headwear, and related accessory products in the United States and internationally. The DividendRank report noted that among the coverage universe, MPC shares displayed both attractive valuation metrics and strong profitability metrics.
Chinese oil production in January and February slipped to about 3.77 million barrels per day (bpd), while the amount of crude processed by its refineries rose 7.3 percent to 93.4 million bpd, suggesting strong import demand. "With the tug of war between the USA and OPEC the soap opera continues", said Scott Gecas, senior strategic account executive at Long Leaf Trading Group.
The stock added 0.88% beyond one week and climbed 4.61% during previous one month session. About 3.80 million shares traded. Teva Pharmaceutical Industries (NYSE: TEVA ) last released its quarterly earnings data on Thursday, February 8th.
Here we will take a look at the Gross Margin Score of iShares, Inc. - iShares MSCI Taiwan ETF (ARCA:EWT) shares. FMR LLC now owns 51,361 shares of the company's stock valued at $4,736,000 after acquiring an additional 1,767 shares during the last quarter.
Wojcicki outlined the plan during a session Tuesday at SXSW in an on-stage interview with Wired's Nicholas Thompson. YouTube acknowledged that the new feature will not solve the conspiracy theory issue overnight. YouTube eventually pulled the video for violating its policies. She published an op-ed on the topic in this weekend's New York Times . YouTube will help combat that by linking to information about the topic found on Wikipedia .
As regular trading ended, Chevron Corporation ( CVX ) stock brought in a -$0.43 drop to $116.79. About 2.89 million shares traded. They see Chevron Corporation (CVX) price hitting a mean target of $135.26 a share, meaning the stock still has potential that could lift the price another 15.81% Also, the recent close suggests the stock is underpriced by 37% compared to the most bullish target.
Tb Alternative Assets Ltd who had been investing in Jd.Com Inc for a number of months, seems to be less bullish one the $63.32B market cap company. The stock decreased 1.59% or $1.54 during the last trading session, reaching $95.23. Bluestein R H Company has 444,688 shares for 1.82% of their portfolio. SELL rating has been given by 1 analyst (s) and 18 analyst (s) given BUY rating to the stock.
Walmart's grocery delivery business will be supported by a number of partners, including Uber , the company said on Wednesday. The move into home delivery is part of Walmart's broader push to get more of its in-store shoppers to start buying online as well, where they typically spend twice as much.
Google says it is able to block the majority of bad ad experiences before the scams impact people. Rival coins Ripple and Ether also pared gains. The agency reminds that earlier Facebook social network took a similar step , though some aggressive businesses found a loophole: purposely misspelling words like "bitcoin" in their ads.
Penn Mutual Life Insurance Company who had been investing in Ares Capital Corp for a number of months, seems to be bullish on the $6.81 billion market cap company. Piper Jaffray has "Overweight" rating and $132 target. Instinet lifted their target price on Intel to $50.00 and gave the company a "buy" rating in a research report on Tuesday, December 5th.
Strong inflation numbers in January had sparked fears that price pressures were accelerating, leading financial markets to expect a more aggressive pace of interest rate increases from the Federal Reserve than is now anticipated. There were still very strong expectations of a rate increase at next week's FOMC policy meeting, with futures markets indicating an 86% chance of a further 0.25% hike in rates.
The insider Ianniello Joseph R sold 233,544 shares worth $14.12 million. Omnicell, Inc. (NASDAQ:OMCL) has risen 33.21% since March 13, 2017 and is uptrending. Tiaa Cref Investment Lc has invested 0.02% in Cabot Oil & Gas Corporation (NYSE: COG ). About 1.61M shares traded. Wall Street sell-side analysts are projecting Cabot Oil & Gas Corporation (NYSE: COG ) to grow at an accelerated rate over the next 5 years.
Grab will offer loans to the underserved via a joint-venture with Credit Saison, the largest lender in Japan (the company now has about $70 million credit cards in circulation, TechCrunch reported today). Grab will also offer insurance policies to its 2.6 million drivers via partnership with US -based insurer Chubb Ltd. Grab is present across eight countries in Southeast Asia and has an existing loan book worth over $700 million because of prior campaigns for auto financing, insurance, ...
Exxon Mobil Corporation (NYSE: XOM ) has the Market Capitalization of 321.12 Billion. Energy Transfer Partners, L.P. (NYSE:ETP)'s stock on Monday traded at beginning with a price of $17.76 and when day-trade ended the stock finally edged up 1.18% to reach at $18.00.
Starbucks Corporation (NASDAQ: SBUX ) closed its last session at $59.4. Starbucks Corporation (SBUX) has made its way to a 12-month gain of 8.93%. It has underperformed by 4.22% the S&P500. Wall Street is only getting more bullish on the stock, with 20 of analysts who cover SBUX having a buy-equivalent rating. As per Friday, July 28, the company rating was maintained by Piper Jaffray.