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History of Kites
Everyone knows kites as objects that are designed to fly high in the air while being manually operated by a human… but do you know the history of kites?
What are Kites?
Kites generally have three main components: the kite's body, a tether, and a harness. This type of construction promotes wind resistance. As kites are released into the air, air pressure forms under the kite and pushes it to fly.
History of Kites
The history of kites goes back 3000 years ago to China where these man-made flying creations first make their debut. Since its first aerial appearance, kites have gone through a lot of minor transformations when it comes to construction and design, but its original structure and form have remained the same over the years.
Kite-flying started in China when the military there designed a new type of aircraft to serve various purposes. During the Han Dynasty, for example, a general would use kites to measure the distance from a certain standing point down to the enemy's point. He would use this measurement to construct a tunnel the military could create to penetrate the enemy's territory.
Kite's Spread
Years after, the history of kites expanded as kites reached the Pacific and Polynesian islands. Records have shown kites being used in India, Indonesia, Burma, and Malaysia, simultaneously.
It is believed that the silk route contributed to the proliferation of kites in North Africa and Arabia while the Dutch East India Company and Portuguese traders were responsible for bringing kites to the Europeans. It is also suggested that Genghis Khan, along with his Mongolian soldiers, carried kites with them as they occupied Asia and Central Europe.
Other Theories
Another story says that kites may have come from Melanesia, Micronesia, and Polynesia, where kites made of leaves were used for fishing. A fisherman would paddle his boat and fly a kite high enough to hover over the boat.
From his kite, a line was dropped as it pulled bait made of a spider's web through the water. The kite's shadow would resemble a large bird while the bait and its catch got caught in a fishing web. The fisherman would reel in the line, take the fish, and releases the kite once again.
Uses of Kites
There are numerous historical records of the various uses of kites. For example:
- One Japanese story tells of a robber who used a kite to lift himself up to a castle's roof where golden statues were kept. Although he was able to steal pieces of gold, he was unsuccessful in his escape. He was faced with execution for his crime.
- The Japanese and the Chinese used kite flying to lift soldiers up in the air to spy on their enemies. Chinese and Japanese pictures illustrate soldiers hovering over their enemies.
- In Korea, kites became part of their customs and traditions. It is Korean tradition to write the birthdates and names of young boys on kites and fly them. The kite's line will then be cut to signify the release of bad spirits and the welcoming of a great year.
- Likewise in Thailand, a monarch's kite would be raised throughout the winter season by the priests. The people of Thailand would also fly kites during the monsoon season as ways of sending their prayers to their gods.
- In the 18th century, kites were used to assist in scientific research and weather monitoring. Who isn't familiar with the popular story wherein Benjamin Franklin flew a kite during a storm in 1752 just to provide proof that lighting had electrical properties?
- Kites were also incorporated in Alexander Graham Bell's experiments.
- Kites are known to have laid the foundation for the invention and development of the airplane.
- Lawrence Hargrave was able to lift himself up from the ground using four kites. He also developed many new designs for kites as well as gliders in his mission to construct a flying machine.
Kites have a long and distinguished history, in addition to be fun flying toys for children.


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Slandr Mobile Twitter
It it great cause it does all the stuff that m.twitter.com and twitstat do not (all) do:
* it is pure HTML, no slow Java app or so.
* it remembers your login (failed once today, we'll see)
* it has a replies tab
* it has a reply-button
* it has direct message tab
* it shows you ppl/twittereres in 3, 5, 10 and 20 miles radius (ok, miles, but .. - I subscribed to 5 twitterers in my area I had not 'seen' before)
* it lets you subscribe and unsub to ppl by pressing a micro-icon
* it displays well on the treo 650 (which hahlo does not do ;( )
Right now I hit a rate limit, but I had twhirl on and used some other services to do stats of twitter.
Check out slandr, it's cool ;) (And no I am not affiliated with them and had now contact up to now.)
PS: and I think Twitter should buy Slandr ;) Their page is as m.twitter.com SHOULD be ;)

subset: commoncrawl


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Just when we thought it was gone forever, the Walkman brand makes its glorious return, this time with Android. Sony has just announced the Sony Ericsson Live with Walkman. And while it's not a superphone, it definitely holds its own.
Sony Ericsson is known for its unique designs, and the Sony Ericsson Live is no exception. This music-centric device is looking pretty good for one of those smaller, more affordable smartphones. Let's take a look at the specs.
Sony Ericsson Live with Walkman Specifications
- Android 2.3 Gingerbread
- 1 GHz single-core processor
- 3.2-inch display (320x480p)
- 320 MB of on-board memory with a 2 GB microSD card (supports up to 32 GB cards)
- VGA front-facing camera / 5 MP rear-facing camera (records in 720p)
- 1200 mAh battery
As already mentioned, these specs won't blow your mind. But this device is made for entertainment purposes (mainly music). It is small, which makes it easier to carry around, and it comes with music-centric adaptations. The most important feature for music lovers is Sony's xLoud technology. This allows you to boost your volume without having to sacrifice quality, which is an issue with most devices.
This phone also comes with Sony's Qriocity integration, allowing you to listen to music and watch videos on the go (in the cloud). You might also enjoy the fact that the Sony Ericsson Live comes with TrackID, which identifies unknown songs, and the infinite button for better music searching.
A very important factor, especially for a media device, is the battery life. You've got to be able to go through a day of listening to music while keeping some of that juice for communication purposes. While this device comes with a tiny 1200 mAh battery, it actually lasts as long as most extended batteries do. This device gives you up to 600 hours of standby, 17.5 hours of music listening, 6.5 hours of video and over 14 hours of talk time. Not bad, Sony Ericsson. Not bad at all.
While price and availability are still unknown, this should be an affordable smartphone. Markets are not yet specified, but this device is said to start rolling out during the fourth quarter of 2011 in select countries worldwide. What do you guys say? Liking the Sony Ericsson Live with Walkman?Show Press Release
Smartphone with Walkmanâ"¢ on the latest Android platform (Gingerbread 2.3) Unique Facebookâ"¢ integration enables instant music and media sharing Content services from Sony provide access to the latest music and video titles
22 August 2011, London, UK — Sony Ericsson today announced Sony Ericsson Live with Walkmanâ"¢, an Android smartphone that delivers a unique social music experience. A dedicated Walkmanâ"¢ hardware button provides instant access to the music player and consumers can also like, share and discover content through a deep Facebookâ"¢ integration. The infinite button lets the consumer explore even more and the *Qriocity service from Sony provides music and video content for the consumer to enjoy.
With attractive curved design, a glossy finish and a mineral glass display, the phone has a 3.2" screen and a powerful 1Ghz processor. A front facing camera is enabled for Skype video calling, while a 5MP AF camera can capture 720p HD video recording. *Sony's xLOUDâ"¢ enhances audio output, while the latest Android platform for smartphones (Gingerbread 2.3) provides access to over 250,000 applications on the Android Marketâ"¢.
Nikolaus Scheurer, Head of Product Marketing, Sony Ericsson said: "Consumers want smartphones to deliver a rich and social entertainment experience. Rather than a one dimensional music experience, they want instant and seamless access to new content, combined with the ability to share and connect with their friends. The Sony Ericsson Live with Walkmanâ"¢ provides exactly this, in a powerful package with great style."
A perfect combination of social networking and music entertainment:
Deep Facebookâ"¢ integration: Allows users to instantly access Facebook through the most used areas of the phone such as the picture gallery, music player, phonebook and calendar. Media Discovery Application: A dynamic application placing the world of music and videos at consumer's fingertips including Facebookâ"¢ recommendations from their friends. Infinite button: Tapping it within the media player enables consumers to have instant access to new content about their favourite artist, such as music videos, artist information and lyrics search. Qriocity music and video content services from Sony: Consumers can access millions of songs from all major labels and watch thousands of movies from all major studios. Only Sony Ericsson Android smartphones provide consumers with unique access to the entertainment services from *Sony. *Sony's xLOUDâ"¢ technology: Enhances audio output of the inbuilt speakers at high levels. TrackIDâ"¢: Identifies the music track you are listening to within the FM radio and music player. The track can then instantly be shared or downloaded.
Sony Ericsson Live with Walkmanâ"¢ will be available globally in selected markets from Q4 2011. For full details all products news, please visit the press room and the product blog: http://www.sonyericsson.com/cws/corporate/press/pressreleases/latestnews http://blogs.sonyericsson.com/products/
Sony Ericsson Live with Walkmanâ"¢ at a glance. *Please note that all services mentioned may not be available in every market.
Black and White
Size: 56.5 x 106 x 14.2 mm Weight: 115 g
5 megapixel camera 8x digital zoom Auto focus Face detection Flash/Photo light Flash/Photo flash Flash/LED Front-facing camera (VGA) Geo tagging HD video recording (720p) Image stabiliser Red-eye reduction Scene detection Self-timer Send to web Smile detection Touch capture Touch focus Video light Video recording
Album art Bluetoothâ"¢ stereo (A2DP) Music tones (MP3/AAC) PlayNowâ"¢ service Stereo speakers TrackIDâ"¢ music recognition Walkmanâ"¢ player xLOUDâ"¢
Android Marketâ"¢ Bookmarks Googleâ"¢ search Google Voiceâ"¢ Search NeoReaderâ"¢ barcode scanner Pan & zoom Web browser (WebKit)
Call list Conference calls Facebookâ"¢ application Google Talkâ"¢ Polyphonic ringtones Skype Sony Ericsson Timescapeâ"¢ Speakerphone Twitterâ"¢ (Timescapeâ"¢ integration) Vibrating alert Video chat ready
Conversations Email Google Mailâ"¢ Handwriting recognition Instant messaging Multimedia messaging (MMS) Predictive text input Sound recorder Text messaging (SMS) Type & Send widget
Auto rotation Four-corner Home screen Keyboard (on-screen, 12-key) Keyboard (on-screen, QWERTY) Live wallpaper Picture wallpaper Touch screen
3D games Media browser Radio (FM radio with RDS) Video streaming Video viewing YouTubeâ"¢
Alarm clock Calculator Calendar Document readers Emanual Flight mode Google Calendarâ"¢ Google Gallery 3Dâ"¢ Infinite button Phonebook Setup guide Event Timer Widget manager
3.5 mm audio jack aGPS Bluetoothâ"¢ technology DLNA Certifiedâ"¢ Google Latitudeâ"¢ Google Mapsâ"¢ for Mobile Google Mapsâ"¢ with Street View Media Transfer Protocol support Micro USB support Modem Native USB tethering Synchronisation via Facebookâ"¢ Synchronisation via Googleâ"¢ Sync Synchronisation via Sony Ericsson Sync Synchronisation with computer Synchronisation via Microsoft® Exchange ActiveSync® Synchronisation: Microsoft® Exchange ActiveSync® via Moxier client USB mass storage USB High speed 2.0 support USB support Wi-Fiâ"¢ Wi-Fiâ"¢ Hotspot functionality Wisepilotâ"¢ turn-by-turn navigation
3.2 inches 16,777,216 colour TFT 480 x 320 pixels Capacitive touchscreen (multi-touch) Scratch-resistant
Phone memory (user-free): Up to 320MB Memory card support: microSDâ"¢, up to 32GB
Battery life
Talk time GSM/GPRS: Up to 14 hrs 15 min* Standby time GSM/GPRS: Up to 600 hrs* Talk time UMTS: Up to 6 hrs 42 min* Standby time UMTS: Up to 850 hrs* Music listening time: Up to 17 hrs 30 min Video listening time: Up to 6 hrs 30 min
*According to GSM Association Battery Life Measurement Technique. Battery performance may vary depending on network conditions and configurations, and phone usage.
UMTS HSPA 850 (Band V), 1900 (Band II), 2100 (Band I) GSM GPRS/EDGE 850, 900, 1800, 1900 UMTS HSPA 900 (Band VIII), 2100 (Band I) GSM GPRS/EDGE 850, 900, 1800, 1900
In the kit
Sony Ericsson Live with Walkmanâ"¢ 1200 mAh battery stereo headset 2GB microSDâ"¢ memory card Charger micro USB cable for charging synchronisation and file transfer user documentation
Legal 1) Facts and features may vary depending on local variant. 2) Operational times are affected by network preferences, type of SIM card, connected accessories and various activities e.g. playing games. Kit contents and colour options may differ from market to market. The full range of accessories may not be available in every market.
© Sony Ericsson Mobile Communications AB, 2011


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Yesterday in Regina while waiting for the bus to Coronach, I was struck by a big map of Saskatchewan on a wall in the terminal that listed all of the routes operated by the crown corporation STC. What lept out at me was the big area with no service east and north of Coronach. Along with the Cypress Hills near East End and the Great Sand Hills south of Kindersley, the area east of Coronach to Estevan and north to Moose Jaw is the largest unserviced part of southern Saskatchewan. You can view the map here.
It is the clearest indication I have yet encountered of how few people live in this part of the province. Because of the shape of the unserviced area, and because it includes the Big Muddy Badlands, I have given it the name "Big Muddy Triangle." The land east and north of here is beautiful, dry and largely uninhabited.
I got another indication of Coronach's isolation from the number of passengers on the bus. Yesterday traveling south – just as on on Boxing Day when I traveled north to Regina – I was the only passenger on the bus between Coronach and Assiniboia, a drive that takes the first or last hour of the journey.
That said, this morning I awoke to sunshine and mild temperatures, I have a sermon percolating in my head (check for it on the blog on Sunday!), and I am glad to be back.
Thursday, January 26, 2012
The Big Muddy Triangle
Posted by Ian Kellogg at 2:06 PM
Subscribe to: Post Comments (Atom)


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The All Nigeria Peoples Party (ANPP) governorship candidate in Niger State in the 2011 general elections, Mr. David Umaru, has claimed that he has uncovered plans by the Peoples Democratic Party (PDP) to scuttle the merger of the party with three others to form the All Progressive Congress (APC).
He alleged that the emergence of the State Interim Management Committee purportedly constituted by the national leadership of the party was not only unconstitutional, but that members of the committee are moles of the PDP planted to scuttle the merger.
Speaking in an interview in Minna yesterday, Umaru, the party's leader in the state, alleged that members of the Interim Management Committee are agents of the PDP planted in ANPP to act the script of the PDP to thwart the merger.
He said some members of the committee were known to be on the payroll of the PDP-led administration of Governor Mu'azu Babangida Aliyu.
The ANPP leader alleged that the committee was constituted secretly without the knowledge of the constitutionally-recognised leaders and stakeholders, with the intention of scuttling the merger plan by further polarising the party.
He said Hajiya Mohammed Jumai remained the Chairman of ANPP in the state, adding that his group would not allow the PDP moles to disrupt the merger.
At the weekend, the Mrs. Afiniki Dauda-led Interim Management Committee, at its inaugural meeting, urged party members to forget their grievances and ensure that ANPP enters into a merger with other parties in the state.
Mrs. Afiniki said her committee would ensure that aggrieved members were reconciled in keeping with the directive of the national secretariat.
But Mr. Umaru, a lawyer, said the party was not in a crisis in the state that would warrant a reconciliation committee.
He added: "These are the same people used by the PDP in 2011 to cause problems in the party."


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Logo Design
Orçamento Rp100000-300000 IDR
I need a freelancer to help me with Logo Design , my budget is around Rp 100000 - 300000 IDR and I need this project to be done within 3 days
12 freelancers estão ofertando em média Rp330926 para esse trabalho
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Opinion: Michael Bisping, Brian Stann Hope to Earn Middleweight Title Shot
By Michael Hatamoto
Brash British fighter Michael Bisping and American hero Brian Stann hope to offer clarity in a rather confusing middleweight division when they fight later this month at UFC 152.
The winner could be thrust towards a potential title shot in early 2013, as Anderson Silva waits for an opponent.
Honestly, I think either fighter would get manhandled if they were to fight Anderson Silva – but if Bisping wins, I believe he's done enough to finally earn a title shot. If Stann wins, I think a potential fight with Chris Weidman could help determine a true future title defender. A case could be made for Stann's title aspirations if he holds wins against Weidman and Bisping, but just a win against the British fighter shouldn't be enough.
Prior to the upcoming fight, Stann suffered a submission loss to Chael Sonnen at UFC 136 and picked up a solid knockout win against Alessio Sakara – and that clearly shouldn't be enough to suddenly earn a shot at the middleweight championship.
Meanwhile, Bisping lost a close decision to Sonnen at UFC on Fox: Evans vs. Davis in early 2012, but had solid four-fight win streak against Dan Miller, Yoshihiro Akiyama, Jorge Rivera, and Jason "Mayhem" Miller.
A dominant performance against Brian Stann could make Bisping a title contender, even though the former TUF participant welcomes a potential return back to the light heavyweight division.
If UFC President Dana White is serious that a potential super fight between Silva and UFC welterweight champion Georges St. Pierre is possible, then that remains the biggest fight available. However, I doubt Silva vs. GSP is something we'll see anytime soon, so the UFC needs other options for the middleweight division.


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[Skip to content]
The BILD PBS
Leadership Awards 2018
As part of BILD's ongoing commitment to the development of PBS, we understand the importance of recognising achievement, developing and sharing great practice. A highlight of the conference will be presentations of The BILD PBS Leadership Awards 2018.
We are looking for people who have made an outstanding contribution and have been creating conditions for positive and sustainable change in these three categories:
The closing date for nominations is 22 March and shortlisted nominees will be notified by 13 April
More information and how to nominate >
Click here to go back to the conference page >
Keep up to date and follow us on:
Copyright 2018 BILD. All rights reserved
Registered Charity Number 1019663 England and Wales


text: I'm considering connecting an Airport Express to my old stereo. Is there any difference in quality between connecting 3.5mm to 2 x RCA, or 3.5mm to 3.5mm cables? My stereo can accept both inputs. Also, for Audio and Video, is there any benefit to using component to HDMI cable instead of component to component if a HD TV can accept both types of inputs? Thanks!


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Did I go MIA again!? Why, Yes, Yes I did. This is what happens when my life gets flipped, turned upside down.
We are not talking your normal busy busy busy moments in life because it seems to be a non stop continuum for me. I'm talking new vision, new mindset, new directions taking place within me and around me.
I'm going to make this short as I woke up this morning and felt inspired to share this quick post. I have embarked on a new journey to embrace the one thing that keeps coming up for me the most in my life…HAIR! Not just any hair but my natural hair! People consistently ask me questions about what products to use, what do I have for dry hair, style ideas and more and I've ran from this for so long because I was so focused on SKIN.
Well life has a way of working itself out and now I'm a Licensed Natural Hair Care Specialist and I'm helping people get their natural hair to a state of growth and manageability. I've been doing natural hair for years just unofficial ( the licensing made all the difference in the world to me) so now I'm discovering more of what I want to share and I'm starting a new venture within the natural hair community.
I will be posting here again as I get back on track because skincare and wellness is my life and I'm always looking for great new content to share. Although I've taken a break…I will return with more content and information, I'm just starting to bring it all together so stay tuned!
Much love


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We are taking a short trip to Colorado and will be back next Monday. We are jumpstarting the New Year by going to a new vacation spot with some old friends. It's gonna be a wonderful and fantastic time. Have we mentioned how excited we are about this trip????
I've posted some of our favorite vacation spots we will go to in the next couple years. Something for you to daydream about...
Images via US News
Hope you guys have a great week and, as always, please remember to spread some POSITIVITUDE to old friends and new ones as well.


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Emotional Wellness Tips
Emotional wellness is more than simply "feeling" happy. It is about practicing self-care, stress reduction techniques, and fostering a relationship with yourself to experience both positive and negative feelings. It also consists of building inner strength to overcome challenges. Below you can find some resources that can help you maintain or even improve different areas of your emotional wellness.
De-stressing (Anxiety)
- Do one thing at a time when tackling projects
- Allow yourself to take small breaks
- Check out the Mind Spa on campus located in the Counseling Center
- Meet with Erin to try integrating bio-feedback
- Connect with the meditation group on campus or try a yoga class
- Listen to some calming music
- Evaluate your priorities , there is a lot going on at Lawrence and a lot to be involved with but limiting yourself to a few main priorities can help manage stress.
- Check out this online resource to help with relaxation and stress reduction: http://allaboutdepression.com/relax/
Enjoying Life (Depression)
- Practice Smiling
- Write down things you are thankful for
- Remind yourself to stay positive and practice positive self talk such as "I can do this"
- Seek out support and allow others to help you
- Do at least one thing everyday that you enjoy such as taking a walk, drinking a cup of tea, drawing etc.
- Reach out to a friend to talk with or to hangout with
- Send a kind text to a friend
- Volunteer or help someone out with something
- Find one of the SAD lamps on campus to sit under for a few minutes
- Go outside for some fresh air
Some of the above information is adapted from UC Davis website and Amherst College Counseling & Health Resources


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Open Radiation Detector
Quickly identify radioactive materials with a pocket-sized ion chamber. Built from standard parts for easy manufacture and low cost. by Carlos Garcia Saura:
Radioactivity is invisible and can be harmful to life. The goal of this project is to provide a simple device that could prevent cases of radiation poisoning. Professional radiation meters can be very accurate, but are also expensive, complex and fragile (most use vacuum discharge tubes made of glass). However in many occasions we only want to determine whether an object is radioactive or not.
Open Radiation Detector – [Link]


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Kevalli House on Stocking Island, is a Luxury Private Resort Exuma Bahamas is a rare gem. With a main house, Cottages, a Guest House and Marina, Kevalli House can be a Residential or Commerical dream for you. This private island on an island that is surrounded by the unparalleled natural beauty of the Bahamas. The Kevalli House Stocking Island offers the following. The Main House, Cottages and Guest House consist of 10,000 sq. ft. The Marina:Commercially,Kevalli House, offers short and long term boat storage in one of the best hurricane holes in the Bahamas. The facility features 15 moorings and 9 slips for vessels up to 70ft in length or a maximum of 6 1\2 foot draft. Kevalli House is located in a very protective cove of Stocking Island referred to as a "cleaning hole" on some nautical charts but also locally known as the "Hole Three"Stromatolites: Stromatolites are rare in today's ocean but living stromatolites have been found along the margins of the Exuma Sound, including Lee Stocking Island, Stocking Island.
Listing date: 02/19/2018


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Careers at HolidayMonk
About HolidayMonk
HolidayMonk is a Bangalore based travel startup focusing on helping hotels across the globe grow bookings. Our mission is to Simplify the life of hosts through technology. HolidayMonk was founded in 2013 and we stood up independently through our constant effective programs within organization and outside.
Required Skill Set
- B.Com, M.Com / CA Inter.
- Solid knowledge of accounting fundamentals.
- Great working knowledge of Tally or other accounting software.
- Great Attention to detail and manage books with accuracy.
- Ability to manage time and hit deadlines.
Relevant Industry
- Software as a Service (SaaS), Internet and ecommerce.
Job Description / Responsibilities
- Manage accounts and process invoices, bills, employee reimbursements.
- Ensure proper TDS is being withheld where required.
- Prepare financial reports and maintain financial statements with accuracy and compliance to rules and regulations.
- Substantiate financial transactions by auditing documents.
- Establish tables of accounts, and assign entries to proper accounts.
- Compute taxes owed and prepare tax returns, ensuring compliance with payment, reporting and other tax requirements.
- Prepare payments by verifying documentation and upload transactions in the banking system.
- Prepare financial reports and MIS by collecting, analyzing, and summarizing account information and trends.
- Forecasts revenue, costs and hold various teams accountable to their budgets.
- Protects operations by keeping financial information confidential.
- Maintain controller-ship for spends and revenue inside the organization.
Desired profile of the candidate
- Self-starter, proactive individual who is a great team player
- Hard worker who delivers assignments on time.
- Ability to work in an unstructured environment
- Ideal candidate will be hungry to grow.
Min. Exp : 1 years
Max. Exp : 3 years
Location – Bangalore
Your Role and Responsibilities
- Its a hands on role with active design/ coding work, it also includes aspects of tech leadership to lead/ mentor junior engineers and interns.
- Take ownership of product features and build it end to end, including coming up with functional approach/ design/ implementation/ unit testing.
- Design should consider aspects like response time, scalability, asynchronous systems, user experience.
- Help with production environments on AWS, Ubuntu, Apache, Nginx, RabbitMQ, Celery, Memcache etc.
- Help with code reviews.
- Be part of agile development process and lead/ take part in scrum.
Required Skills
- 1 year experience in Python with significant exposure to web technologies/ frameworks like Django.
- Strong in problem solving, algo/ ds.
- Working knowledge of relational databases like MySQL & PostgreSQL .
- Working knowledge of HTML, HTTP, REST, JSON, CSS and JavaScript .
Desired Skills
- Experience with Bootstrap, LESS/SASS, templating like Mustache is a plus .
- Knowledge of Handlebars is a plus.
- Interest in writing content – for example, blog post on some cool feature that you build.
- We put the willingness and passion to learn & build above anything else and if you think you have got it in you, do apply.
Job Perks
- Industry comparable salary.
- Really flexible hours.
- If you are sick, just stay home.
- Movie/Gaming night outs.
What are we looking for?
We are looking to hire star designers, in a full time capacity, who can help design the best online presence for hotels.If you love creating world class designs that work well on mobile, tablet, and desktop, you will love working at HolidayMonk.
Skills and Requirements:
- Experience in designing UI for web and mobile
- Flair for usability and color schemes
- Good understanding of typography and layout
- Expertise in Adobe Photoshop and Illustrator
- Ability to make wireframes and interactive prototypes
- Understanding of user centric design
- A degree in design from reputed university / college is a plus
Compensation will be market competitive based on your skills.
Location – Bangalore
CRM Executive
HolidayMonk is looking to hire full time star telesales executives who can take inbound calls for hotel reservations, make outbound calls and qualify leads for sales and do analysis as required. If you enjoy working in a fast paced environment – we want to talk to you.
Skills and Qualifications
- Bachelor's degree.
- Excellent verbal and written communications skills. Fluent in English and Hindi. Fluency in Kannada a plus.
- 5 months -1 year experience in CRM Executive or a call center.
- Self starter individual who can generate leads, make cold calls, schedule meetings and sell on the phone.
- Good team player.
Note: First preference given for tourism background candidates.
Our prime focus is on domestic travel. Holidaymonk is specializing in best-value international/domestic holidays & tours, business trips, M.I.C.E and corporate travel.
About the Internship:
The selected intern(s) will work on following during the internship:
- Holiday Consulting.
- Handling Customer Queries / Requirements related to Holidays.
- Designing Holiday Packages.
- Coordinating with Suppliers for order fulfillment.
Who can apply:
- Any Graduate / Post Graduate (preferably MBA, Masters in Tourism Studies, MA)
- Good written & verbal communication skills.
- Fluent in English, Kannada & Hindi.
- Quick learner & ability to adapt to a fast working environment.
Note: First preference given for tourism background candidates.


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Budget Battles
Trouble Ahead for Space Force
$733 Billion? $700? $750? Trump Sows Confusion on Defense Spending
Why a Shutdown Really Could Happen Right Before Christmas
Trump Suddenly Wants Billions More for Defense: Report
How Much Would a Federal Jobs Guarantee Cost?
Shutdown Watch: Congress Passes Stopgap Deal, Postponing Wall Fight
Trump, After Boosting Military Budget, Calls It 'Crazy!'
Making a Big Money Move? Why You Should Probably Consult a Financial AdviserBy Beth Pinsker, Reuters
People hire financial advisers with the very obvious goal of getting advice on how to handle their money. So why do investors often cut advisers out of consequential decisions? Some advisers say...
How Kids Can Wreck Your Financial Security
As any new parent will tell you, the giggles of a baby or a first steps of a toddler are priceless milestones, but that doesn't meant that they don't come at a cost.
The $3 Million Retirement Mistake You Could Be Making
Most retirement experts agree that a portfolio that includes stocks held over the long term is the surest way to amass the nest egg necessary for a comfortable retirement, but many younger workers...
The US Loses Ground in Providing Retirement Security to Baby Boomers
A new global index of best practices by policy makers, employers and asset managers found that the United States is losing ground in providing economic and financial security and improved health care...
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Bucking resistance from a Republican Congress and the Trump Administration, Oregon has become the first state to launch a program requiring private employers to either offer their own 401 (k) savings...
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Book Review: THE SHERLOCKIAN by Graham Moore
Graham Moore's debut novel, The Sherlockian, should delight die-hard Sherlock Holmes fans with its nerdy Holmesian goodness, while providing engrossing mysteries for those less familiar with the Canon as well.
Told in alternating chapters between the turn of the 20th century and the present, the book tells two parallel stories. The first is of Arthur Conan Doyle's investigation into the case of a serial killer, and the second is about a contemporary Sherlockian named Harold White trying the solve the mysterious death of a leading Sherlock Holmes scholar, Alex Cale.
Cale claimed he'd found the long-lost diary of Conan Doyle, but on the day he's scheduled to present it at a meeting of the Baker Street Irregulars, Cale is found dead in his hotel room and the diary is nowhere in sight. Furthermore, there are clues in the room that are straight from Holmes stories.
The historical chapters reveal what Holmes's creator was doing during the time period covered in the journal (the last few months of 1900) and why the record of his activities went missing in the first place. We also get to see what inspired Conan Doyle's method for killing off his famous detective in 1893 and what convinced him to bring Holmes back in 1901 with The Hound of the Baskervilles.
Moore's passion for the Canon is evident on every page and he has done an amazing job weaving fact with fiction; he tells you which is which in the author's note at the end. If you've read David Grann's New Yorker article called "Mysterious Circumstances" (also featured in Grann's book called The Devil and Sherlock Holmes) about the real-life death of a leading Sherlockian named Richard Green, you might have a clue about how Cale was killed.
This takes away none of the fun, though; it's mighty entertaining to see this and many other facts about Conan Doyle and Sherlock Holmes re-interpreted in a fictional context. If you don't know anything about the great detective, you won't be lost because Harold conveniently explains everything to his companion, Sarah, a reporter who tags along for the scoop.
One problem I had with the book was that Conan Doyle is a much more fascinating character than Harold. I sometimes got impatient with the 2010 chapters because Harold is dull and has no romantic spark whatsoever with Sarah, though we're meant to believe an attraction is forming. He's a necessary device to elucidate the Holmesian details but he's kind of a pushover, allowing Sarah, who behaves in a dodgy manner from the start, to butt her way into the investigation without much of an explanation. She's there to represent readers less familiar with Holmes, asking all the pertinent questions, but otherwise doesn't hold much interest. In the end, Harold does something that I highly doubt such a devoted Sherlockian would do. It's a stretch to say his motive is understandable but his action does not seem plausible at all.
Conversely, I greatly enjoyed being in Conan Doyle's company, getting a glimpse of his life as he struggles against being overshadowed by his own creation. His hissy fits about how he's a better man than Holmes are rather funny. He at least makes a much more convincing amateur sleuth than Harold, perhaps because Conan Doyle really did consult for Scotland Yard on many real-life crimes. His friendship with Bram Stoker (his real-life Watson?) is amusing, with the latter lamenting about how his character of a bloodthirsty count from Transylvania "didn't inspire the imagination of a people as did your Holmes. He was my great failure." The Sherlockian, on the other hand, is definitely a success.
Nerd verdict: An engaging, far-from-elementary Sherlockian
Buy The Sherlockian from Amazon| B&N| IndieBound| Powell's
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14 Comments »
Hm, this is the second review I've seen of this book, and I'm still on the fence about reading it.
I got a copy of this book at Bouchercon but wasn't sure what to do about it. After reading your review, am leaning towards reading, but don't like sound of the continuity disruption of time switching from past to present. When I get a book like that I tend to read as two separate stories, reading every other chapter to keep one story going, then read the other story.
I know little of Sherlock Holmes, other than what I gleaned from the Robert Downey Jr movie {and I confess I might have been somewhat distracted from the character by the fine specimen representing him}. I'm not sure that this novel is the best way for me to get to know Sherlock Holmes and/or Conan Doyle better {anything that jumps from one timeline to another tends to annoy me a bit} but it still sounds entertaining. Thanks for another insightful review, PCN!
Nerdy Holmesian Goodness? Well, played, Watson…um, er, PCN!
Always love a good read even if it the Harold figure is a less than engaging character, I will suck out the Holmesian-ness and devour the entire book forthwith! Okay, bit much, but yes I will be reading this.
Haven't read any Sherlock Holmes in a long time, but I enjoyed it as a kid. Sounds like something to take with me on the plane this holiday.
I'll bite. This book looks really great to me, inconsistencies and all. I love anything to do with Sherlock Holmes.
P.S. That cover is truly fantastic. I need to get a copy ASAP.
Ok. I read it. Quickly – because literary thrillers are fun. I'm going to work on my own review tonight. We should chat. Some great aspects to it, but I could definitely tell Moore is a young writer.
However, I must say again: bring on all things Sherlock Holmes.
Yes! Finally, I read this book. Have to agree, Harold was just dull wallpaper.


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In Assassin's Creed II, players are given total freedom to explore multiple cities, but with greatly improved parkour skills and the new ability to swim. There's also a lot more variety in the missions you undertake - the main complaint with the original game- so you'll never feel you're just doing the same tasks over and over again. Combat has also been completely overhauled, with dozens of different weapons and a new health system. With no less than Leonardo da Vinci acting as your very own Q style gadget master this stunning sequel improves on every element of the original.
PC Games
There is a strange situation associated with this game, however. In order to play it, you have to have a permanent internet connection, which is something mentioned on the outside of the box. If that were a MMO game it would make sense, but Assassin's Creed II is a single-player only adventure. If you don't have an internet connection, you can't play the game, and if you lose your connection while you're playing, the game pauses. This is a strange convention that leads to situations where you sometimes want to play the game, but cannot. Hopefully this isn't the beginning of a trend for PC games.
The story in this game follows Ezio Auditore da Firenze, the ancient ancestor of a modern-day character, Desmond Miles, who was in the original game. You'll adventure with Ezio through 15th-century Italy as you seek to unravel the mystery behind a murder caused by the enemies of the assassins, the Templars.
This world of 15th-century Italy is an incredible simulation of that time period in its own right. Merchant sweep the streets, the citizenry visits shops, couples pass by, engaged in conversation. It's an incredibly lifelike world that is as much fun to just experience as it is to accomplish tasks in. Even more enjoyable are the enormous, beautiful vistas that are witnessed when you climb higher up in the city. The game has impressive lighting and textures and you'll be stunned at times by its beauty.
Climbing buildings to gain a beautiful viewpoint is not their only purpose, however. Moving around on rooftops is an essential part of the game, and you'll enjoy how responsive and nimble your character is at this. Leaping from one rooftop to another is quite fun, and important to a great many missions throughout the game. The balance between moves that you need to pull off, and moves that are done automatically is balanced very well, so you can feel comfortable that you'll be able to get to where you're trying to go without accidentally falling off a wall in the process.
A game called Assassin's Creed can't be all about running and climbing, however. There has to be some assassination, and Ezio is more-than-skilled in this regard. In addition to the original hidden blade moves that allowed either a low or high-profile kill, there is also the capability to perform double assassinations. Merely walk between two poor, unsuspecting guards and you'll be able to stab them both and walk away as if you were never there. You can also assassinate your targets from below, or above, pulling them up, or down as necessary and ending their pathetic lives.
While Assassin's Creed II does do the things that a sequel should do, it does have its issues that need to be dealt with. Gamers will have to decide if dealing with those issues is worth the $60 price tag on the title to experience this diverse, interesting, and fun game world.
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Dec 18, 2010


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Monday, May 31, 2010
Facinator Creator
Finnish based OutsaPop Trashion Blog provides many interesting and oh so helpful tutorials on all things trashionable. Her specialty is using recycled materials in her creations much to my delight. I am passing along a tutorial she posted on Etsy, it was posted as an Easter offering but you can customize it any way you want. Trade the birds for feathers or vintage pin, figurine or soft sculpture. The variations are endless per ones imagination. Funny, sassy, sexy, noir or no.
Great for any fancy occasion or just with a simple pairing of jeans and a tee for instant yes. Would also make for a great teen or even child craft. They are simple to make with minimal money required depending on one's taste and are super fun to wear. A great project for anyone with beginner's sewing skills as it only requires straight hand stitching and maybe some fabric or hot glue.
Outti Pyy is the woman behind Trashion and you can find more examples of Ms. Pyy's work on her Flickr account with more examples than you can shake a ruffles punky shoulder piece at.
Posted by A.K. Miles at 9:04 AM 2 comments:
Friday, May 14, 2010
Arizona does not represent me.
I'm spreading this where I can: when California passed prop 8 I was disappointed and disgusted. Rage is what fills my head though when I think of Arizona's new immigration law : SB 1070. The good folks at moveon.org are helping people to express their anger and disbelief at this ridiculous law. I got one and am inviting anyone who care to to do the same.
Do you want to get a FREE sticker to show your frustration about the new Arizona immigration law SB 1070? Presente.org is giving them away (even free shipping) to spread the word that we won't stand for racial profiling.
Copy and paste this email to send to your friends and family
Do you want to get a FREE sticker to show your frustration about the new Arizona immigration law SB 1070? Presente.org is giving them away (even free shipping) to spread the word that we won't stand for racial profiling.
I just got mine. Click below to get yours:
Posted by A.K. Miles at 9:40 AM No comments:
Wednesday, March 3, 2010
First Thurday Madness!
One more shout out for our show tomorrow. We feel fortunate to have so many good friends pimping it! Here's our friend Brent Wear featuring us on his blog, thanks Brent!
We are very excited for our first show since coming back home to Portland. Dave and I are showing a collection of works by us, including a few collaboration paintings. We will have some inexpensive prints and boxsets to sell as well as original work.
Brent will be there to with a selection of works for sale as well as Kirsten Moore of Piper Ewan, our hostess. Come check out her seriously gorgeous goods.
Ahh alliteration, how I love thee.
We will be at:
Coeur Studios, 323 NW 6th, 6-10 pm
thank you!
Posted by A.K. Miles at 7:31 PM No comments:
Tuesday, March 2, 2010
Intergalactic Planetary
A fairly resent discovery for me, Jimmy Mcbride is a quilter. He is a manly quilter. I have a lot of admiration and have been following his last few quilts with great interest. The quilts come with dialog, there is a story behind them. Documentation of scenes seen out the windows of an Intergalactic Transporter. I recommend checking out his website for a proper explanation. Besides; really how often does one get to say that, Intergalactic. Short story is he quilts stars, galaxies, real photos of celestial bodies from Hubble.
My fav is the blog that documents the process, being a process driven girl myself. The pics of the cut out are what really get me though, the stacks on interconnecting shapes in a variety of colored plaid. He claims the plaid helps to create the "wispy effect" needed to create the gaseous galactic formations. I can't wait to see the finished results!
He also has an Etsy store: Stellar Quilts. Just remember, my birthday isn't until December so you have lots of time to save up for the M64 quilt.
I'm just sayin'.
Posted by A.K. Miles at 9:55 PM No comments:
Thursday, February 11, 2010
Our First, First Thursday
First Thursday is an institution here in Portland, an early evening of art around Downtown and the bus mall as I call it, or the Pearl District if you like. [ That humble little area, I never thought back when I lived on 6th and Couch above Fellini/Satyricon that that yucky slice of heaven would look as gorgeous as it does now. ] Wrapping up around 1030-11 just in time to hit the bar.
But I am off topic.
We are very excited to have our maiden show here in PTown.
Dave and I are going to be showing at Virtuoso Studios this next First Thursday, March 4th. There will be some of my work, some of Dave's work and collaborative work. We are bringing a bit of merch. too, like boxsets, ACEO's, etc. as well as our original work. Graciously sharing the walls with us is Brent Wear , also the charming, couture, creatrix, Kirsten Moore of Piper Ewan. Life is better with handmade lingerie.
323 NW 6th Ave
On 6th between Everett and Flanders
Posted by A.K. Miles at 6:24 PM No comments:
Monday, February 8, 2010
Collective Locale
I want to start taking photographs of window art by Scott Campbell of "Extremo the Clown" fame. If you don't know him, you should, he's one of the finest performance artists around. He's a painter in oils as well as a sculptor of cars, magnificent art cars. Gargoyles, fountains, scenes in bas relief and the man driving is dressed like a clown complete with puppets.
This is why I call him a performance artist. Sure he's a great painter and his cars are awesome but the whole package is just over the top bad assidry. He brings it to the people, on the streets, at the bank, down the freeway. I first started seeing him because he banked next to where I worked 11 years or so ago.
As far as his window art, I saw it randomly, then started looking for it and now it is a collection. A collections of locations where I have seen an Extremo window painting. Advertisements for the store inside. Smiling, expressive filing cabinets beckon you to come in and purchase an office chair. I have driven in Salem Oregon and seen an Extremo window and of course all over Portland. Once I was watching HDTV and the lady being interviewed gave a tour of her house. Low and behold she had an Extremo painting in her front room, I am good at spotting them. I asked him to confirm it was his. Also being from St. Johns Portland, Radke's Auto is a landmark for me. With its huge sign and neon race car, the huge lettering on the front of this corner building: wait could that be. I am 98% sure that it is the work of a younger Extremo, perhaps at the start of his career? It has been there since I was a baby.
The point is there is a level of local permeation that I think goes largely unnoticed. There are a lot of people who know of the "clown in the art car" but I think it might surprise people how at large he is. So support your local clown, he's just out making people smile. I think that is a might fine vocation.
And did you know he's a musician too? And ran for Mayor and placed pretty high. The next step is to document the locations, then compile them. A fun art project begins.
PS the painting of his that I own contains his actual hair, the hair that was cut off soon after the picture above was taken. I know that has a bit of an "ew" factor but I thought it was a good cross section of his more serious oil paintings and his sculpture. The bust is three dimensional and made in the same manner his cars are.
Posted by A.K. Miles at 11:55 PM No comments:
Backyard Chickens: Its a good thing.
To all my chicken loving brethren, across the the world should you look west:
Almost a case
Originally uploaded by A.K. Miles
Almost a case
Originally uploaded by A.K. Miles
The Martha Stewart Show in NYC is taping a show on urban farming in March 2010 and are looking for urban chicken farmers (among others) to be in the audience.
If you're interested in being there, you have to request tickets and help them understand why you should be in the audience. The details are in Anne's email:
If you or someone you know have recently turned your backyard space into a chicken coop or turkey pen, we have a special show that's just for you! We're filling our studio audience with individuals who raise livestock in urban environments as we celebrate the backyard farming movement. If you're interested in attending this show, please be sure to tell us about yourself and your backyard farm, as well as why you'd like to be part of this special audience. Please feel free to spread the word and request tickets as soon as you can if you're interested!
The link to request tickets is www.marthastewart.com/get-tickets; scroll down to "calling all urban farmers."
Keeping chickens is quite a big deal these days, and thats cool: pets with benefits. We have a few girls ourselves: Diamond, Atilla the Hen, Crystal, and Chick Norris who we recently adopted having been found roaming the streets. We get 3-5 eggs a day, ranging in color between off-white, tan, a speckled one and a slate green. My kids love having them, like a petting zoo in our backyard. We bond over caring for the hens, they are messy and quite a lot of work. The coop was purchased, a modified rabbit hutch and the run/tractor was made by me. The majority of the wood was scavenged from an abandoned pile and cost nothing. A box of screws, a borrowed miter saw and some poultry netting. Also my husband putting on the side supports. Three of the chickens I raised from two weeks old and one free lost chicken to add an extra egg a day. Pretty good all around I'd say.
I first saw someone in the city keep a chicken about 7 years ago, my friend Eryn had a rooster. He lived in downtown Portland right on SW.5th Ave, it was a big red-orange rooster and he was gorgeous.
Posted by A.K. Miles at 11:20 PM 1 comment:
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|David King Leather
Located in Boston's historic leather district, David King Leather supplies the highest quality leather found in America. Vacqueta leather is soft to the touch, natural in appearance and hand-crafted to produce an elegant, authentic style which complements those who carry it. Daivd King Leather styles are bold in texture, classic in design and individual in nature.


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First Game & First Win
Hello everyone ! Here you will find my two first games in an official competition, playing for my club in Lille, France. The timing was 90min+30s increment/move for the first 40 moves with an additionnal 30min+30s increment/move for the rest of the game. Do not hesitate to comment and analyze, I hope you will enjoy it as I do, Sycret.


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Payment Methods
Please note that for customers outside Europe we can only accept credit card payments, we do not accept purchase orders.
By Bank Transfer — We are happy to accept payment directly into our bank account so long as:
Our bank details:
Account No.: 50144499 – Sort Code: 60-16-30
By Credit or Debit Card — Using Regonline Secure Payment facility. The total purchase price (including VAT if applicable) and service charge will be displayed prior to confirming the order.
VAT Invoice — A VAT invoice (if applicable) will be provided (VAT Reg No. GB 663 2419 39).
Cancellations — Written cancellations with a full refund will be accepted up to 25 working days before the start date of the course. A fee of 50% will be payable for cancellations received between 10 and 25 working days before the start of the course. Full course fees will be charged for cancellations received within 10 working days of the course start date. Delegate substitutions may be made at any time up to the start of the course. Refunds will be made within 30 days of receiving the written cancellation by the same method that payment was made.
Late Payment Clause
We understand and will exercise our statutory right to claim interest at 2.5% above the prevailing Bank of England base rate under the Late Payment of Commercial Debts (Interest) Act 1998 if we are not paid according to our agreed credit terms.
The programme and other information contained on this website are correct at the time of publishing and are published in good faith. We reserve the right to make any changes which may become necessary.


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computer part and system building
Computers Services / Posted 4 weeks ago by JOHNG / 76 views
Computer services offered, fix, upgrade, supply
looking a new computer but don't know where to start I'll part out a build for free and build your new computer* for the price of components plus a £20 building fee.
if interested email me with a description of what your looking please included:budget, what its main use is (gaming, video/photo editing etc.),theme(colour) and measurements if it is needed to fit into a tight space.
*if you want your computer to be built you must be able to come and collect it as i cannot travel.


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Lloyds Banking Group
25 Gresham Street
|Public limited company
|Traded as
(Lloyds TSB Group)[note 1]
Area served
Key people
|£34.237 billion (2017)[1]
|£5.275 billion (2017)[1]
|£3.547 billion (2017)[1]
|Total assets
|£812.109 billion (2017)[1]
|Total equity
|£43.551 billion (2017)[1]
Number of employees
|75,000 (2017)[2]
|Footnotes / references
Lloyds Banking Group plc is a major British financial institution formed through the acquisition of HBOS by Lloyds TSB in 2009. The Group's history stems from the founding in 1695 by the Parliament of Scotland of the Bank of Scotland, which is the second oldest bank in the United Kingdom. The Group's headquarters is located at 25 Gresham Street in the City of London and its registered office is on The Mound in Edinburgh. Lloyds Banking Group's activities are organised into: Retail Banking (including Mortgages and Sole Traders); Commercial; Life, Pensions & Insurance; and Wealth & International. Lloyds' has extensive overseas operations in the US, Europe, the Middle East and Asia.
Following the takeover, the Group stopped using the name HBOS publicly. The Halifax brand, products and pricing were discontinued in Scotland until it was re-established in 2013. The Halifax and Lloyds Bank brands are used in England and Wales and the Bank of Scotland brand is used in Scotland, each offering different products and pricing. Lloyds Banking Group's CEO António Horta-Osório told The Banker, "We will keep the different brands because the customers are very different in terms of attitude".[3]
Lloyds Banking Group is listed on the London Stock Exchange (LSE) and is a constituent of the FTSE 100 Index. It had a market capitalisation of approximately GB£57.7billion as of 4 March 2014—the 7th-largest of any LSE company.[4] It has a secondary listing on the New York Stock Exchange, where it has a market capitalisation value of US$34.45 billion.[5]
- 1 History
- 2 Divisions and subsidiaries
- 3 Sponsorships and responsible business programmes
- 4 Awards and recognition
- 5 Controversies
- 6 References
- 7 External links
Lloyds Bank was one of the oldest banks in the UK, tracing its establishment to Taylors and Lloyds founded in 1765 in Birmingham by button maker John Taylor and iron producer and dealer Sampson Lloyd II.[6] Through a series of mergers, Lloyds became one of the Big Four banks in the UK.[7]
Bank of Scotland, which originated in the 17th century, is the second-oldest surviving UK bank after the Bank of England. In 2001, a wave of consolidations in the UK banking market led the former Halifax Building Society—which originated in 1853—to agree to a £10.8 billion merger with Bank of Scotland.[8]
Trustee Savings Bank (TSB) can trace its roots back to the first savings bank founded by Henry Duncan in Ruthwell, Dumfriesshire in 1810. TSB itself was created in 1985 by an Act of Parliament that merged all the remaining savings banks in England & Wales as TSB Bank plc and in Scotland (except Airdrie Savings Bank) as TSB Scotland plc.[9]
Lloyds/TSB merger[edit]
In 1995, Lloyds Bank merged with TSB, forming Lloyds TSB Group plc.[10]
In 2000, the group acquired Scottish Widows, a mutual life-assurance company based in Edinburgh, in a deal worth £7 billion.[11] This made the group the second-largest UK provider of life assurance and pensions after Prudential. In September the same year, Lloyds TSB purchased Chartered Trust from Standard Chartered Bank for £627 million to form Lloyds TSB Asset Finance Division, which provides motor, retail and personal finance in the United Kingdom under the trading name Black Horse.[12]
Lloyds TSB continued to take part in the consolidation, making a takeover bid for Abbey National in 2001, which was later rejected by the Competition Commission.[13] In October 2003, Lloyds TSB Group agreed on the sale of its subsidiary NBNZ Holdings Limited—comprising the Group's New Zealand banking and insurance operations—to Australia and New Zealand Banking Group.[14] In July 2004, Lloyds TSB Group announced the sale of its business in Argentina to Banco Patagonia Sudameris S.A.[15] and its business in Colombia to Primer Banco del Istmo, S.A..[16]
On 20 December 2005, Lloyds TSB announced that it had reached an agreement to sell its credit card business Goldfish to Morgan Stanley Bank International Limited for £175 million.[17] In 2007, Lloyds TSB announced that it had sold its Abbey Life insurance division to Deutsche Bank for £977 million.[18]
Acquisition of HBOS[edit]
On 17 September 2008, the BBC reported that HBOS was in takeover talks with Lloyds TSB, in response to a precipitous drop in HBOS's share price.[19] The talks concluded successfully that evening with a proposal to create a banking giant which would hold a third of UK mortgages.[20] An announcement was made on 18 September 2008.[21][22]
On 19 November 2008, the new acquisition and government preference share purchase was agreed by Lloyds TSB shareholders.[23] HBOS shareholders overwhelming approved the deal on 12 December.[24] Lloyds TSB Group changed its name to Lloyds Banking Group upon completion of the takeover on 19 January 2009.[25]
On 12 February 2009, Eric Daniels, the CEO of the Group, was questioned about the banking crisis during a session of the Treasury Select Committee of the House of Commons. One of the key issues concerned Lloyds' takeover of HBOS and the amount of due diligence carried out before the acquisition. Daniels said that a company would always like to do more due diligence on another company, but there are legal limits on how much is possible before an actual acquisition. Losses were slightly more than the £10 billion originally identified by the due diligence owing to write-offs of property loans because of falling property prices and the lack of demand for it. The then-Chairman of Lloyds, Sir Victor Blank, said in August 2009 that losses had been "at the worst end of expectations", and that the Lloyds board was surprised by the speed at which the losses—which were caused by the unexpectedly sharp contraction of the world economy in late 2008 and early 2009—happened.[26] This position was confirmed by Archie Kane, a senior Lloyds executive in Scotland, in evidence to the Scottish parliament's economy committee in December 2009.[27]
On 13 February 2009, Lloyds Banking Group said that the losses at HBOS were greater than had been anticipated, at around £10 billion. The share price of Lloyds Banking Group fell 32% on the London Stock Exchange, carrying other bank shares with it.[28]
October 2008 to January 2009[edit]
On 13 October 2008, Prime Minister Gordon Brown announced a government plan for the Treasury to invest £37 billion (US$64 billion, €47 billion) of new capital into major UK banks—including Royal Bank of Scotland Group, Lloyds TSB and HBOS—to avert a collapse of the financial sector.[29][30] Barclays avoided taking a capital investment from the UK Government by raising capital privately and HSBC moved capital to its UK business from its other businesses overseas.[31]
It was later confirmed that Lloyds TSB would have been required by the Financial Services Authority (FSA) to take additional capital from the government if it had not taken over HBOS.[32] After the recapitalisations and Lloyds' acquisition of HBOS, the UK Government held a 43.4% stake in Lloyds Banking Group.[33]
February to June 2009[edit]
In February 2009, after it became apparent that the recession would be deeper than originally anticipated, the FSA was instructed to "stress test" the banks against a severe economic downturn. The FSA stated that the assumptions underlying the stress test were not intended to be a forecast of what was likely to happen, but to simulate a near catastrophic economic scenario. These assumptions included:
- A peak-to-trough fall in UK Gross Domestic Product (GDP) of over 6%, with no growth until 2011 and returning to trend-rate growth in 2012;
- A rise in UK unemployment to just over 12%;
- A 50% peak-to-trough fall in UK house prices;
- A 60% peak-to-trough fall in UK commercial property prices.[34]
The conclusion from this exercise was that Lloyds would need additional capital if such a scenario ever occurred. Because the wholesale funding markets were effectively closed at the time, in March 2009 Lloyds made a deal with the UK government consisting of two elements:
- Redemption of Preference Shares. The £4 billion of preference (non-voting) shares held by UKFI were repaid on 8 June 2009 following the issue of new ordinary shares—this avoided the payment of £480 million annual interest to the Treasury and allowed Lloyds to resume payment of dividends when profits allowed. These new ordinary shares were initially available to existing shareholders through an Open Offer at 38.43 pence that closed on 5 June 2009—87% were taken up. The remaining 13% were placed in the market on 8 June 2009 at 60 pence. This Open Offer and Placing was underwritten by the Treasury; if none of these new ordinary shares had been bought by existing shareholders or the open market, the government—as underwriters of the deal—would have bought them and their shareholding would have increased to a maximum of 65%. This did not happen; the government's holding remained at 43.4% and Lloyds became the first European bank to repay government "credit crunch" investment.[35] Following the government's 43.4% participation in June's Open Offer, the average buying price of the government's total shareholding was 122.6 pence.[36]
- Asset Protection Scheme. Lloyds agreed in principle to enter the government's Asset Protection Scheme to insure it against potential future losses on previous loans—primarily on the old HBOS portfolio. The fee for this would have been paid for by the issue to the government of new 'B' (non-voting) shares, which could have increased the government holding to a maximum of c.62%—or higher if the government had bought all the ordinary shares issued to redeem the preference shares.[37]
June 2009 to present[edit]
Lloyds impairments peaked in the first half of 2009; by mid-2009 the Asset Protection Scheme increasingly looked like a poor deal for Lloyds. Following negotiations, the government confirmed on 3 November 2009 that Lloyds would not enter the scheme—although RBS still would. Instead, Lloyds launched a rights issue to raise capital from existing shareholders; as an existing 43.4% shareholder the government chose to take part in this and thus maintained its shareholding at 43.4%.[40][41] Following this, the National Audit Office calculated the government's average buying price for its entire stake in Lloyds to be about 74 pence.[42]
It was announced in the Government's Pre-Budget Report on 9 December 2009 that the forecast for the total loss to taxpayers for all the bank bailouts had been reduced from £50 billion to £10 billion—in part because of the restructuring of the Government's Asset Protection Scheme.[43] The final part of the December 2009 capital raise involved issuing new shares to debt holders in February 2010. This diluted existing shareholders—including the UK Government, whose shareholding was reduced from 43.4% to around 41%.[44] According to the Accord trade union general secretary Ged Nichols, Lloyds Banking Group had cut 30,000 jobs between February 2009 and August 2011; and in August 2011 it announced another 1,300 job losses.[45] The group sold its 70% stake in insurance company Esure to Esure Group Holdings on 11 February 2010. The share was valued at around £185 million.[46]
On 4 November 2012, it was reported that Lloyds was considering selling its 60% stake in St James's Place Wealth Management to raise around £1 billion.[47] In April 2013, Lloyds sold its loss-making Spanish retail operation—originally Banco Halifax Hispania—and the local investment management business in Spain to Banco de Sabadell. Lloyds will receive a 1.8% stake in Sabadell worth about €84 million and an additional sum of up to €20 million over the next five years.[48] In September 2013, it was reported that the UK government was planning to sell up to a quarter of its shares in Lloyds Banking Group.[49] The government sold 6% of its shares on 17 September 2013 at 75p, raising £3.2 billion and reducing its stake to 32.7%.[50] The UK government then sold a further 7.8% on 26 March 2014 at 75.5p raising a further £4.2bn and reducing its stake to 24.9%.[51] A trading plan of incremental sales during 2015 reduced the publicly owned stake to below 10% by the end of October.[52] Sales resumed in November 2016, as the holding was reduced to 7.99%.[53] On 17 March 2017, the British Government confirmed its remaining shares in Lloyds Banking Group had been sold.[54]
The UK Government's purchase of a 43.4% stake in the group in 2009 was considered as state aid; under European Commission competition laws, the group would be required to sell a portion of its business.[56] The group's divestment plan—codenamed "Verde"—identified 632 branches which would be transferred to a new business. Customers with accounts held by the branches, and staff employed within them, would be transferred. The new business would be formed from some Lloyds TSB branches in England and Wales, all branches of Lloyds TSB Scotland plc and Cheltenham & Gloucester plc; these would operate under the TSB brand as TSB Bank plc.[57] The remainder of the Lloyds TSB business would be rebranded as Lloyds Bank.[58]
Lloyds Banking Group reached a Heads of Terms agreement in July 2012 to sell the Verde branches to The Co-operative Bank for £750 million.[59][60] The final transfer of TSB Bank plc to the new owner was due to be completed by late 2013. In February 2013, it was reported that Lloyds Banking Group were considering a stock market flotation of the TSB business as an alternative, should the transfer not be completed.[61] On 24 April 2013, The Co-operative Bank decided not to proceed with the acquisition because of the economic downturn and the tough regulatory environment imposed on banks. Lloyds Banking Group said that the rebranding to TSB Bank would still take place and that the new bank will be divested through an initial public offering in 2014.[62] TSB Bank began operations on 9 September 2013, under CEO Paul Pester.[63]
Lloyds Banking Group announced that 25% of TSB's shares would be floated on 24 June 2014;[64] however, with the offer being 10 times oversubscribed, 35% of TSB's shares were sold at 260p on 20 June.[65] Banco Sabadell agreed to purchase TSB in March 2015, and completed the acquisition on 8 July 2015. The purchase meant Lloyds sold its final holding in TSB.[66][67]
Divisions and subsidiaries[edit]
Private equity[edit]
In 2016, Lloyds's private equity division, Lloyds Development Capital (LDC), acquired a 33% stake in game developer Team17 in exchange for a GB£16.5 million investment.[68] LDC will sell half of this stake at Alternative Investment Market as Team17 intends to go public.[68] In May 2018, prior to Team17's initial public offering, LDC's stake is valued at GB£76 million.[68]
Retail headed up by David Oldfield is the face of Lloyds Banking Group, on the high street, on the phone and online. With 30 million customers in total, they are the UK's largest retail bank. The division focuses on Lloyds Bank in England and Wales and Bank of Scotland in Scotland,[69][70] providing a full range of banking and financial services to some 15 million personal customers through over 1,500 branches across the UK.
Halifax also provides a full range of banking and financial services to some 15 million personal customers through c.700 branches across England, Wales, Scotland and Northern Ireland.[71] Lloyd's is the largest employer in the metropolitan borough of Calderdale, West Yorkshire, where it has its Halifax subsidiary headquarters, major offices and its central data centre.
Other units include Birmingham Midshires, a mortgage and savings brand, and Intelligent Finance.
Commercial Banking[edit]
This division, headed by Andrew Bester, Group Executive Director, provides banking and related services for Small & Medium-sized Enterprises (SMEs), mid-market companies, major UK and multinational corporate and financial institutions.
- Lloyds Bank Commercial Banking
- Lloyds Securities (USA Branch)
- Corporate Banking, Financial Markets, Capital Markets
- Bank of Scotland Commercial
- Lloyds Bank Commercial Finance[72]
The Insurance division, led by Antonio Lorenzo, Group Director, is one of the UK's largest insurers and provides long-term savings, protection and investment products and general insurance products to customers in the UK and Europe. Scottish Widows is the Group's specialist provider of life assurance, pensions and investment products, distributed through the Lloyds Banking Group branch network, through independent financial advisers and directly via the telephone and Internet. Insurance and Investments also includes general insurance underwriting and broking (home, creditor, motor, travel, pet).
- Clerical Medical – The Clerical Medical sales team merged with Scottish Widows in 2009.[73]
- Lloyds Bank Insurance Services Limited[74]
- Halifax Insurance
- Buildings, Contents and Motor insurance via:
- Lloyds Bank, Halifax & Bank of Scotland branches
- Telephone sales
- Internet
- 3rd parties, e.g. Moneysupermarket.com[75]
- Scottish Widows – offset mortgages
Consumer Finance[edit]
Consumer Finance, led by António Lorenzo, Group Director, is made up of three different businesses: Asset Finance, Cards and European Online Deposits.
- Asset Finance The business is made up of two key brands:
- Consumer Credit Cards
- Commercial Card and Acquiring Solutions
- European Onshore Banking
Sponsorships and responsible business programmes[edit]
Lloyds Banking Group is an active supporter of disability rights and best practice; it is a Gold member of the Employers' Forum on Disability. In 2010, the group helped create and currently sponsors the Royal Association for Disability Rights (RADAR) Radiate network, which aims to support and develop a talent pool of people with disabilities and health conditions, and to potentially act as a source of thinking for organisations on how 'disabled talent' is best spotted and developed.[76]
In 2011, Lloyds Banking Group established the Lloyds Scholars Programme, a social mobility programme aimed at UK students, in partnership with nine leading UK universities.[77] The Scholars Programme takes 15 students per university per year and consists of a £1000 per annum scholarship paid directly to the student to help with living costs, a Lloyds Banking Group mentor and two ten-week internships, paid at £18,000 pro rata.[78] The programme supports students throughout their university career and requires Scholars to complete 100 hours of volunteering in their local community, per year of their degree.[79] There are also restrictions on who can apply, which exclude medical and veterinary students, as well as anyone with a residual household income as defined by their student funding body of more than £25,000 per annum, since the programme is a social mobility initiative.[80] Lloyds Scholars must be completing an undergraduate course at one of the Group's nine partner universities:
- University College London
- University of Bath
- University of Birmingham
- University of Bristol
- University of Edinburgh
- University of Oxford
- University of Warwick
- University of Sheffield
- Queen's University Belfast.
The Scholars Programme is part of a wider set of operations conducted by Lloyds Banking Group in order to fulfill their goal of 'Helping Britain Prosper'.
Awards and recognition[edit]
In July 2007, Euromoney announced Lloyds TSB as the winners of its Awards for Excellence.[82]
In June 2008, Lloyds TSB Group came top in the Race for Opportunity's (RfO) annual survey.[83]
In May 2009, Lloyds TSB Corporate Markets was recognised as 'Bank of the Year' for the fifth year running at Real FD/ CBI FDs' Excellence Awards.[84]
In October 2009's "What Investment" magazine awards, Halifax won Best Savings Account Provider and Halifax Share Dealing was also named Best Share Dealing Service.[85]
In October 2009's "Consumer Money Awards", Halifax won Best First Time Mortgage Provider. Lloyds' brands were commended in several other categories, including Cheltenham & Gloucester for Best Remortgage Provider and Best High Street Mortgage Provider; Lloyds TSB for Best Current Account Provider, Best Student Account Provider and Best Customer Service Provider; and Halifax for Best ISA Provider and Best High Street Savings Provider.[86]
In November 2009's "Personal Finance Awards", Halifax was awarded Best Premium Current Account for the Ultimate Reward Current Account and Best Savings Account Provider. In the Best Mortgage Provider category, Halifax was highly commended. Halifax Sharedealing was named Best Online Stockbroker for the third year in a row, and was highly commended in the Excellence in Customer Service category. Halifax Investments was named Best Investment Product Provider. Lloyds TSB won Best Student Finance/Banking Provider and was also highly commended in the Best Current Account Provider awards. Scottish Widows was highly commended in the Best Pension Provider category.[87]
In November 2009's "Your Mortgage Awards", Halifax won the award for Best Overall Mortgage Lender for the eighth year running, as well as the award for Best Large Loans Mortgage Lender. Birmingham Midshires was named Best Specialist and Buy-to-Let Mortgage Lender, and Lloyds TSB won the award for Best Overseas Mortgage Lender.[88]
Money laundering[edit]
A 2010 report by The Wall Street Journal described how Credit Suisse, Barclays, Lloyds Banking Group, and other banks were involved in helping the Alavi Foundation, Bank Melli, the Government of Iran, and others circumvent US laws banning financial transactions with certain states. They did this by stripping information out of wire transfers, thereby concealing the source of funds. Lloyds Banking Group settled with the US government for US$350 million. The US government's Manhattan District Attorney's Office was involved, although the case was merged with one at the federal US Department of Justice.[90]
Tax avoidance[edit]
In 2009, a case was brought against Lloyds by HM Revenue and Customs on grounds of tax avoidance. Lloyds was accused of pouring hundreds of millions of pounds into transatlantic tax avoidance schemes in the form of loans to American financial institutions.[91]
Complaints via the Financial Ombudsman Service[edit]
Lloyds TSB received 9,952 complaints via the Financial Ombudsman Service in the last half of 2009. This, when added to the other brands of the Lloyds Banking Group, was twice the number of complaints received by Barclays—the next-most-complained-about UK bank. The Financial Ombudsman Service upheld fewer complaints against Lloyds TSB than it did against Barclays.[92]
Sharia account[edit]
Lloyds TSB became the first mainstream UK bank to launch a sharia-compliant business account. The Islamic Business and Corporate account was to be run in line with sharia principles,[93] which has resulted in some controversy.[94]
HBOS fraud[edit]
Lloyds Banking Group has been criticised for failing to compensate, or even apologise to, victims of fraud perpetrated by employees of HBOS.[95][96]
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External links[edit]
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