text:
A common cause of concern to IFAs when asked to advise on credit-impaired lending is the perception of low quality. Why go to all the time and trouble of placing a difficult case when the likelihood is that any mortgage-related life sales will lapse after a couple of months?
Far from disappearing under a wave of bad publicity, as many thought would happen a couple of years ago, the credit-impaired market has prospered alongside the buoyant housing market.
The credit-impaired sector of the mortgage market has been the fastest growing area for the past two years.
A number of factors have brought about this change, including clear guidelines from the Office of Fair Trading as to how lenders should conduct themselves.
Most of the specialist sub-prime lenders have now joined the Council of Mortgage Lenders and an increasing number of traditional lenders have entered the market. This latter move has helped to increase competit-ion and the choices available to brokers and borrowers alike.
But what about that perception of poor quality? In the past, certain lenders were able to make loans to borrowers with very little regard to the likelihood of repayment. After all, if the mortgage was not paid, the house could always be repossessed and sold with any losses made good.
Not surprisingly, given the ease of getting a mortgage, a large number of borrowers were attracted to the market, subsequently defaulted on their payments and lost a great deal of money.
Brokers suffered too as their efforts to help supposedly genuine problem cases werethwarted by policy cancellations and unwelcome publicity concerning a few lenders.
So why should things be different now? A blurring of the lines between high-street lenders and their sub-prime counterparts has resulted in a raising of quality.
Previously, if a client was refused a mortgage on the high street, their only option was to seek help from a sub-prime lender. But in an increasingly competitive environment, all lenders have had to review their lending terms. The sub-prime players have moved away from the lower end of the market and looked to attract more non-conforming loans while the traditional lenders have sought to relax their criteria to accommodate those deserving cases.
Both sides have been targeting the same group of borrowers – those people who were previously, as a result of genuine financial difficulties, precluded from a loan on standard terms but nevertheless represented a minimal risk to the lender.
These borrowers are more financially astute and have not taken the first loan offered to them. Using their financial advisers, they are able to shop around to achieve better terms.
Most mortgage lenders make loans topeople with adverse credit at some time or other. Good IFAs will know which high-street lenders will accept the odd county court judgment or minor mortgage arrears. Even people with more serious problems can get mortgages on standard terms on the high street. The problem is that the availability of these mortgages is strictly limited. They are rarely, if ever, advertised and usually any funds available are fully allocated in a short period of time.
If the client had a genuine problem but can now demonstrate their credit-worthiness with a recent good track record, they will usually be able to secure a mortgage at a very realistic rate. The better the track record they can provide, the better the rate they can expect.
Those high-street lenders offering loans to credit-impaired applicants, including Chelsea Building Society, Bristol & West and Abbey National via its subsidiary HMC, have successfully attracted this middle market by offering rates at or around 7.75 per cent.
They can do this by accepting only those borrowers who can instil confidence in the lender that future mortgage payments will be met. At Chelsea, we see our credit-impaired loans performing almost as well as our normal lending.
How does the broker benefit? By going that extra mile to secure a better mortgage for his client, he will benefit in a number of ways. He is clearly fulfilling his best advice duty, will gain ongoing loyalty from his client and can be confident that, as long as the mortgage is being paid, associated life policies will also be paid.
The sub-prime market has come a long way in a short time. The blurring of previ-ously distinct lines between different types of lenders has led to a more competitive environment which benefits lenders, borrowers and brokers alike.
Maybe the term sub-prime is itself due for change. Past connotations with unscrupulous lenders and brokers no longer apply. The sector now provides an array of lenders and schemes designed to assist borrowers in allpossible scenarios.
So long as lenders remain focused on providing realistic solutions to genuine problems, everyone can benefit.
Sub-prime, impaired, adverse or non-conforming – take your pick. The opportunities available should not be ignored.
In the sub-prime of life
A common cause of concern to IFAs when asked to advise on credit-impaired lending is the perception of low quality. Why go to all the time and trouble of placing a difficult case when the likelihood is that any mortgage-related life sales will lapse after a couple of months?


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UST expels 8 law students implicated in Atio Castillo fatal hazing
MANILA : As reported by Inquirer.net , the University of Santo Tomas has ordered the expulsion of eight law students implicated in the fatal hazing of Horacio "Atio" Castillo III. Said report was based from statement posted Sunday on the website of the The Varsitarian, the official student publication of the university.
The statement said a committee that was tasked to investigate the death of the 22-year-old Castillo, freshman and a neophyte of the Aegis Juris Fraternity, issued a resolution finding the eight students guilty of violating the university's Code of Conduct and Discipline and would impose "the supreme penalty of expulsion." The names of the expelled students were withheld.
"We thank UST for their actions, but they still need to answer a lot of questions, like how about the faculty members?" Carmina Castillo, the law freshman's mother, was quoted as saying in another article posted by The Varsitarian. "They are as much involved since they knew about Atio's death Sunday morning or noon and they did not even call the police to report or at least surrender to the police the fraternity members."
According to the UST statement, the university rector, the Very Rev. Herminio Dagohoy, formed the investigating committee on Sept. 19, 2017, two days after Atio's death. It is composed of six administrators and a representative from the Central Student Council.

subset: commoncrawl


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Free video chats. Gottlieb, enough to feel her ass, still have time naprobovatsya. Yes, you're not hot there in all this? Look other clothing you will not until you're at it you will not earn. Leave something in reserve.
For example, today it is enough grace and belt with stockings.
-Wait, Frau, it has not yet passed a photo shoot – interrupts Gottlieb.
- Well, hurry up!
On orders Gottlieb and Clara combine release of excess clothing with photography. Free video chats.


text:
Zone Print (Limited Edition) w/ Metal Leaf
Zone Print (Limited Edition) w/ Metal Leaf
Limited edition print. This is an edition of 200. Signed and numbered by Joe Slucher and hand embellished with metal leaf. Each print is unique in where the gold metal has been added. If you have a special request as to where the gold areas are let me know and I'll see what I have available.
Paper Size: 12"wide x 18"tall


text: In 1947 I started boxing, TV was almost unheard of for poor families. My father was a light heavyweight champion in the Armed Forces from 1937-39. He was my hero, a veteran of combat and a Mustang Naval Officer, a boxing champ and trainer. When my dad returned from the South Pacific, he took up his new life as a father after 6 years on fighting the Japanese. His passion was to teach his sons to box. So with war memorabilia and 2 pair of used boxing gloves, my brother Leo and I took up the sport. I was 6, Leo was 9. My passion at the time was baseball, but with a little persuasion, boxing became fun for me.


text:
Think Twice Before You Pay For Essay Writing Services
- custom essays are quite cheap (though this fact should alert you, and soon you will find out why it is so);
- custom essays are well-structured and professionally written (very often, they are written by college professors themselves. Why do they do so? Keep reading to understand);
- custom essays can't be detected by plagiarism checkers, because they are not plagiarized actually though they were not written by students themselves;
- custom essays may help you understand the nature of a good paper and write a high-quality essay by your own afterward;
The dangers of buying essays online
- knowing your knowledge and writing style, it will be very easy for your professor to understand that it was not you who has written a new essay. If your previous works were not as good as a new one, your professor will definitely suspect something wrong here; yes, your new work is in a different league now. But how did it happen? Have you suddenly become a guru of essay writing? A good professor will hardly believe that.
Why pay people to write essays
- when you order an essay, you can't check the professional skills of your ghostwriter. All of them will definitely say that they are professionals and they perfectly know what they do. All of them will say they are native speakers and they guarantee a high quality of the work they do. But how can you make sure that your money will not be spent on anything unworthy?
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- you can never be sure that you haven't paid through the nose for your essay.В
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В How to stay safe when paying for essay writing service
- you ask a professor to write a paper on a particular topic. You know that this paper will be of a high quality, so you are not afraid of paying for it. When done, you cite it in your essay. No plagiarism, you are the author of your work. Profit!
- use only trustful and checked essay writing services;
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- choosing unknown and unchecked custom essay writing websites that ask you to use your credit card to pay for their services, the threat of your identity theft is always present here.В


text:
Los Angeles
THE military's new counterinsurgency manual offers a great deal of wisdom for those who will wage the small wars of the future. Its prescriptions and paradoxes — like the maxim that the more force used, the less effective it is — make sense. However, having spent the last year advising a provincial police headquarters in Iraq, I know it's far easier to write about such wars than to fight them.
The war I knew was infinitely more complex, contradictory and elusive than the one described in the network news broadcasts or envisioned in the new field manual. When I finally left Baquba, the violent capital of Iraq's Diyala Province, I found myself questioning many aspects of our mission and our accomplishments, both in a personal search for meaning and a quest to gather lessons that might help those soldiers who will follow me.
The first question was how Iraq in September 2006 differed from that of October 2005. Our Iraqi interpreters told us things were better than last year, which in turn had been better than 2004, when American forces frequently fought pitched battles in Baquba. Yet, sometimes in the same breath, they would long for the days of stability and order under Saddam Hussein.
During my time there, the hundreds of thousands of residents of Baquba went to work or school, shopped in markets, spent time with their families and lived their lives. The vibrancy and vitality of Iraqi society was the norm, not the anarchic violence we see in the news.
And yet, the violence did exist; it was not a figment of reporters' imaginations. Gunfire frequently echoed through the streets of central Baquba, and homemade bombs often interrupted the bustling marketplace just north of our compound. This violence worsened during my time in Iraq: the Army's PowerPoint presentations depicting attack and death statistics from across the country showed the same, steadily increasing trend lines.Continue reading the main story
Despite the trend towards consolidation of American units onto huge bases in the desert, my team remained in downtown Baquba. We shared our compound with the provincial government; it adjoined the provincial courthouse and was just 800 yards down the street from the police headquarters. This proximity made us more effective, both because it made it easier for us to talk to the Iraqi leaders with whom we worked, and because it enhanced our credibility with our Iraqi counterparts, who saw us living and working by their side.
When the power grid failed or water supply stopped working — a daily experience during the summer — we knew and felt it firsthand. Likewise, when explosions or firefights erupted in the city, we could judge their severity with our own senses. We learned that counterinsurgency cannot be conducted from afar.
But did we make a difference? Diyala Province has 1.4 million citizens and stretches from the northern edge of Baghdad east to the Iranian border, north to Kurdistan, and west to the Sunni heartland. My brigade commander, a sage infantryman from Colorado, called Diyala "little Iraq," because its mix of people, geography and conditions represented a microcosm of the torn country. As goes Diyala, so goes Iraq, he and others said.
Our mission was deceptively simple: to build the provincial police so they could provide security and the rule of law. In these areas, we observed tangible progress. My team delivered hundreds of recruits to American-financed police academies, and oversaw a local academy that retrained hundreds of officers who had served under the old regime. Our civilian advisers, American police officers who came to Iraq as State Department contractors, trained hundreds of Iraqi patrolmen in street survival and investigative skills.
We gave trucks, rifles, body armor, radios and countless other items to the police, and oversaw the construction or renovation of police stations throughout the province. With our help, the police chief, a corpulent former army officer, and his staff became better managers, and replaced many ineffective and corrupt officers. We also brought our expertise to the Iraqi jails, judges and lawyers, resulting in hundreds of innocent Iraqi detainees being released after languishing for months or years in jail.
Despite these successes, I still left Iraq feeling uncertain about what we had accomplished. In theory, security should have improved with the development of capable Iraqi Army and police units. That did not happen. This is the central paradox of the Iraq war in fall 2006: we are making progress in developing the Iraqi Army and police, yet the violence gripping the country continues to worsen.
This paradox raises fundamental questions about the wisdom and efficacy of our strategy, which is to "stand up" Iraqi security forces so we can "stand down" American forces. Put simply, this plan is a blueprint for withdrawal, not for victory. Improving the Iraqi Army and police is necessary to prevail in Iraq; it is not sufficient.
Counterinsurgency is more like an election than a military operation; the Iraqi government must convince the Iraqi people to choose it over the alternatives offered by Sunni, Shiite and Kurdish militants. To do so, the Iraqi government and the coalition must deliver public goods — security, public works, commerce, education and the rule of law, to name a few. The campaign must convince not just a majority or super-majority but virtually everyone, for as the noted insurgents T. E. Lawrence and Mao Zedong have noted, it takes the support of just 2 in 100 citizens to sustain an insurgency.
At this point, and with this strategy, it may not be possible to win in Iraq. America gained a spectacular victory in 2003, toppling the brutal Saddam Hussein regime. But there are limits to what military force can accomplish. You cannot plant democracy with a bayonet, nor can you force Iraqis to choose a particular path if their democracy is to mean anything at all.
Moreover, our choices in 2006 are not as good as our choices were in 2003; we cannot simply stay the course now and hope for victory. Given Iraq's historic antipathy to invaders and the strength of today's insurgency, I believe only a wholly unconventional approach will work. This means many more embedded advisers like myself, working in tandem with teams from the State Department and other agencies, supported by combat forces only when force is necessary.
We should strive in 2006 to build on our successes and to find a smarter way to shift the counterinsurgency effort to the Iraqis in order to secure an imperfect victory. For, as Lawrence wrote eight decades ago about helping the Arabs fight the Turks: "Better the Arabs do it tolerably than that you do it perfectly. It is their war, and you are to help them, not to win it for them."Continue reading the main story


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ALFA Brands is committed to the highest standards of service, as an active member of the IAADFS (USA) and FDFA (Canada) associations.
The International Association of Airport Duty Free Stores (IAADFS) is an international trade association of approximately 400 company members that was originally founded in 1966. The association is active in the duty free market and is also the organizer of the Duty Free Show of the Americas, which is our annual tradeshow held in Florida.
The Frontier Duty Free Association (FDFA), originally founded in 1985, promotes the development of Canada's land border duty free industry by acting as a voice, advocate and business resource for member stores.The FDFA fosters a highly competitive Canadian Land Border Duty Free Industry that is vibrant, creative, progressive and best-in-class among land border and airport duty free retailers around the world.
ALFA Brands can be your agent in the Duty Free / Travel Retail Markets.


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The Countess gacha by Baiastice at The Epiphany
Tag Archive | Baiastice
Baiastice at Events
One of my favourite designers is at two major, regular events at the moment:
The Sixia dress is available at the Liaison Collaborative
The Cryzia Combo dress can be found at Fameshed.
you can find them here:
Happy Shopping!
Collabor88 – Get in Quick!
You've got about one day to race over and spend up:
Left: Lareine dress and collar from CURELESS&DISORDERLY
Right: Trianon dress from SYS
Left: Little Baroque dress from fashionably dead
Right: Antoine Dress from Baiastice
Available at Collabor88
Happy Shopping!
A new round of Fameshed is now open, with a mix of summery and between seasons fashion:
Vivienne Dress from Valentina E
Alabra Dress from Baiastice
Joylyn dress from Fishy Strawberry
All these and much more available now at Fameshed
Happy Shopping!
Summerfest '16
Summerfest finishes in a few days, so you'd better hurry along before it's done!
I had intended to do a few posts, but as usual ran out of time. So…this is a bulky post, but on with the show!
Miranda swimsuit from Valentina E
Seae swimsuit from Baiastice
Love you Bikini Top with Lets me up shorts from B.C.C.
Splash Me If You Can from Junbug
Lupe swimsuit from Dead Dollz.
My hair in each of these photos is the Trixie style from Wasabi Pills, also available at this event.
All these and much, much more available at Summerfest
Happy Shopping!
My second post for the current round shows you things That Are Not Pink!
Lana Romper and Sage Lacey Jacket from The Secret Store
Bhua Sleeveless Shirt from Baiastice
Della Tank, Alicia Flare pants and Victoria Kimono, all from Addams
Empty Pages hair from Exile
All these and much, much more available now at Collabor88
Happy Shopping!
Uber this round brings the lure of warmer months to the designs. Some things you can find:
Nomi Python Dress from Baiastice
Kylie top from Azuchi
Uriel top and pants from Masoom.
I am also wearing new hair from Wasabi Pills, the Celine style, which you can also find at Uber
What are you waiting for? Get thee to Uber
Happy Shopping!


text:
Neil Walker has gotten hot at the plate over the last week, and now it seems he's trying to become more versatile to try to get more at-bats.
The veteran infielder took grounders at third based Thursday afternoon before the Yankees hosted the Red Sox in the series finale. After starting five of the last six games at first base, Walker wasn't in Thursday's starting lineup as Tyler Austin started at first and Ronald Torreyes got the call at third with Miguel Andujar at designated hitter. Brett Gardner shifted to center field with Aaron Hicks getting a night off.
In his last six games, Walker is 6-for-15 with eight runs, three doubles, two RBI and six walks. He raised his batting average from .163 to .200 over that stretch.
Walker, who appeared in 1,087 major-league games entering Thursday, has played third base 19 times in his big-league career with 17 starts. He started four games last season at third base, two with the Mets and two with the Brewers. Last year marked the first time he played third base since 2010.
One possible reason for Walker getting work at third base is Greg Bird's progress in recovering from right ankle surgery. Bird, who hasn't played yet this season, began a rehab assignment Thursday with Single-A Tampa, going 0-for-3 with an RBI groundout while playing five innings at first base. Aaron Boone said Wednesday that Bird could rejoin the Yankees in 10 to 20 days. Bird had been playing in extended spring training games. Outfielder Billy McKinney (left shoulder sprain) also began a rehab assignment with Tampa, going 0-for-1 with two walks while playing seven innings in left field.
Boone was asked if he's worried about Gleyber Torres sliding head-first, as he did to home plate Wednesday night, after such a slide resulted in a UCL tear in his non-throwing arm last season.
"I worry about everything," Boone joked. "Obviously I've seen that slide now a couple of times. I've seen that slide last year that hurt him. In the end we're playing and you've got to play. You also have to chalk up last year's as a little bit flukey, and things happen when you're in major-league sports. Things unfortunately happen sometimes.
"In a perfect world I want to see guys slide a particular way on a particular play, but I think one thing it shows me - I think one of the things we addressed a little bit in spring training was him getting comfortable sliding in a lot of different ways and a lot of different settings. I think him going in the way he did last night certainly shows that there's a confidence there that he's good to go and he's good to play."


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« view all Gay Chiang Mai • Budget Hotels + Guesthouses
2/25 Viangbua Road, Chiang Mai, Thailand | map
Why this hotel? Gay-owned. Home of Garden Bar & restaurant. Great value. Free WiFi.
This great-value boutique hotel has been welcoming gay guests for many years. It is home to the Garden Bar, a gay-popular restaurant & bar that serves reasonably priced food & drinks within its lush gardens.
Guest rooms are uniquely decorated and appointed with cable TV, air conditioning, mini fridge and free WiFi. Friendly staff at the 24-hour reception can arrange tours, car/bike rentals, etc.
The location is great – a short taxi ride to the Old Town and within walking distance of the gay bars in Changpuak area. Adam's Apple Club is just across the street.
venue: hotel (旅馆) | features: bar, cafe, restaurant, free wi-fi (酒吧, 咖啡馆, 餐厅, 免费无线上网)
Great Location for Gay Night Life
"Excellent hotel with individuality and charm. Rooms have character and are spacious. The Lotus is a small boutique hotel that makes a big change compared to the plastic multi-national brands.
This a hotel that accepts that you are gay and is not concerned about how many guests you take to your room.
Breakfast is poor."
Reviews are the subjective opinion of a Travel Gay Asia user, not of Travel Gay Asia.
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River view. Quiet area Walk to Club One Seven sauna. | click here
Close to the gay nightlife. Apartment style Great value for money. | click here
Close to Night Bazaar. Great for shopping & gay nightlife. | click here
Very central. Great for sightseeing Easy access to gay scene. | click here


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Minneapolis, Minnesota, USA: The Houston Rockets inability to defend 3-point line cost them Game 3 as the Minnesota Timberwolves drained an NBA Playoffs franchise record 15 threes to protect home court for a 121-105 win, making it a 2-1 series. Saturday night's NBA Playoffs Western Conference First Round win by Timberwolves, at the Target center in Minneapolis, is their first playoff victory in 14 years.
The Timberwolves nailed 55.6 percent of their shots from deep, while also making 50 percent of their total field goal attempts in Game 3.
The lack of defense around the 3-point line was evident as well, especially during the fourth quarter when the Rockets cut the Timberwolves lead down to nine with just under seven minutes remaining.
Jimmy Butler hit four 3-pointers Among His 28 points as he led the Timberwolves in scoring.
It was 69-54 home team in the second half. There were 89 combined points from Minnesota's foursome of Jeff Teague, Towns, Wiggins and Butler, with an energized Rose scoring 17 like it was 2011.
The Rockets were outscored 35-24 in the third quarter, and were never able to fully bounce back from it.
Seven different Minnesota players connected from downtown, while both Butler and Andrew Wiggins went 4-of-6 from outside and Teague made 3-of-5 attempts.
The defense around the arc has to be better for number one seeded Houston in Game 4 on Monday, even if it's unrealistic to expect the Timberwolves to hit anywhere close to this many threes in a single game moving forward.


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General Manager
- Recruiter
- Sage Green
- Location
- Padiham
- Salary
- £50,000 per annum
- Posted
- 01 Mar 2019
- Closes
- 31 Mar 2019
- Job Function
- General Management
- Industry
- Sport, Transport / Logistics, Logistics
- Position Type
- Permanent
Our client has a new opportunity for adedicated General Manager to join their growing team. You will join the team on a full time, permanent basis and in return you will receive a highly competitive salary of £50,000 - £65,000 per annum.
The General Manager role
You will be responsible for leading the successful operational management and development of this well respected transport business and, be fully responsible for smooth and efficient running of the business, ensuring financial targets are met and exceeded in safe manner and in line with company values.
As their General Manager you will also:
- Lead Health & Safety standards
- Ensure the quality standards of the business are maintained
- Manage/improve the day to day business operation
- Plan the effective use of resources and staff
- Review and plan budgets, effectively manage costs
- Deliver or exceed budgeted profitability
- Maintain/improve profit margins via tight cost controls and correct selling prices
- Identify process improvement
- Maintain established high customer satisfaction and expectation levels
- Create and maintain customer relationships
- Manage and motivate all staff in a positive and developmental way
- Ensure compliance to all legal regulations
- Identify and secure new customers and grow business from existing customers
- Recruit and develop suitably skilled staff
- Assist in long term management and quality of the business with the Operations Director
- Manage fleet with assistance from Fleet Manager
Their ideal General Manager will have the following skills and experience:
- HR Management awareness
- Identifying commercial opportunities
- Generate business from existing and prospect customers
- Building relationships
- International CPC
- Excellent IT skills
- Have managed a logistics business of at least 20 vehicles and 1 warehouse location with full P&L responsibility
- Experience of managing strong individuals
- Managed service delivery and customer satisfaction
- Responsible for full spectrum of business operation
Other essentials skills include:
- The ability to develop strong working relationships
- Well-developed interpersonal skills
- Strong influencing skills both internally and externally
- Highly developed multi-channel marketing skills
- Highly developed logistics management skills
- Financial analysis skills
- Commercial negotiation skills
- Management of external advisers
If this sounds like the role for you, why not click 'apply' today to become their General Manager. They'd love to hear from you!


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Isabel's ceiling
Ha…bet you weren't expecting that for the name of a post!
We really are counting down our days to leaving this house – over 15 years and I am becoming even more introspective, nostalgic and sooky – if that is at ALL possible.
Aside from the memories, there are a whole range of other *things*, some intangible, that I will miss.
Which gets me onto Isabel's ceiling. Carl, with the help of Isabel painted here ceiling a few years ago (OK -it was 2002 I just checked Flickr photos). A couple of the walls were painted deep blue and then the ceiling painted light blue with clouds. I like the clouds as it's not all sunshine, in a couple of them there is a hint of grey and mood.
Had we stayed in this house, we probably would have repainted her room anyway sometime soon, and the walls are now covered with her art and Nirvana posters, but (a bit of MacArthur Park here now) "she'll never have that cloud ceiling again, again" ….
But we have the photos and the memories, so we are pretty lucky all round.
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DMCI Homes, premier developer of resort-themed communities, recognizes that leisure and relaxation are just some of the key aspects of a well-balanced lifestyle. And that to achieve harmony and symmetry, particularly in the city where families live a fast-paced lifestyle, the convenience of modern living also has to be taken into account.
With the idea of providing all these in just a single dwelling place, the company recently came up with a high-rise development that aims to provide both features. Called Viera Residences, DMCI Homes' newest product offering is a single-tower condominium that will soon rise along Sct. Tuason Ave., Bgy. Obrero, Quezon City.
Located in a 5,700 square meter lot near Tomas Morato, right in the heart of the Scout Area in Quezon City, the 27-storeys high Viera Residences will offer a total of 730 residential units, each delivered with a modern resort-inspired theme. Thus, its future residents can take advantage of the best of both worlds -- leisure and relaxation provided by the development's resort-inspired amenities, and the conveniences of modern living given its easy accessibility to practically every major commercial establishment in the city like schools, hospitals and broadcast networks. It is just minutes away from ABS-CBN and GMA 7 and is also easy to get to via public utility and private vehicles.
Viera Residences is virtually a perfect place to call home, one that offers utmost relaxation after a hard day's work, given its various resort amenities. The play area and activity lawn makes for a great place for the kids to run around while the other family members enjoy a refreshing time outdoors. A kiddie pool, lap pool, and a lounge pool provide an alternative outdoor fun activity that families can enjoy. The lounge areas near the pool have also been designed to serve as an extension of the residents' living spaces.
Inside, Viera Residences also has its own function room, multi-purpose area, an entertainment area and a sky lounge. There is also a fitness gym for health fanatics. Offering a mix of studio, 1-bedroom, and 2-bedroom units, the development is seen to provide an ideal abode for young start-up families and the upwardly mobile individuals looking for a relaxing, secure, and convenient living environment. Each of its spacious units is also further complemented with modern and elegant living and dining areas, bedroom, kitchen as well as toilet and bathroom.
For nature-lovers or simply those with an affinity for all things green, the development has also come up with a landscaped central atrium design feature which perfectly complements its wide interiors and gives residents a chance to commune with nature. Sky Patios have also been built which, when combined with DMCI Homes' signature single-loaded hallways, serve as a natural source of light and ventilation inside the building.
In terms of building blueprint and architecture, Viera Residences offers a combination of earth tone colors and accents from the top to the bottom of the tower. Its multi-level trellised crown also radiates a strong statement of balance and symmetry.
Finally, as proof of the company's continuing commitment to deliver homes that are built to last, Viera Residences now also comes with the DMCI Homes Quality Seal. This means the new homes are subject to DMCI Homes' proprietary quality management system, and comes with a two-year warranty.
DMCI Homes, a company led by top-rate builders and engineers, has successfully pioneered such thematic high rise projects for young families in need of inspiring homes and master planned living spaces. Guided by its principle that buying a home is more about investing in a better way of living, DMCI Homes has developed the Viera Residences as another proof of the company's dedication to developing innovative residential spaces with world-class craftsmanship.
View details of Viera Residences
A three-building, high rise residential development and pride of DMCI Homes in Dr. A. Santos Ave., Parañaque City, The Atherton will relish that genuine and warm feeling of going home and living in South. The Atherton condo is a contemporary address that boasts its intimate appeal and premium quality brought by the country's trusted developer, DMCI Homes.
For inquiries you may contact us through our hotline (632)986-9693 or Text us at (+63)999-724-4269 / (+63)995-934-1831


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Time Riders: The Doomsday Code by Alex Scarrow
Reviewed By: L.D.
Teens Maddy, Sal and Liam work for an "agency" whose mission is to keep history on the right track. Unfortunately, there are time travelers who go back in time and tend to mess up the past which then alters the future. Maddy, Sal and Liam feel a shift in the pattern of time and realize that they have to find the source of the shift and correct it or the future as they know it (as WE know it) may never happen at all. While Maddy and Sal deal with the altered present, Liam, with the help of Bob and Becks, two half-human, half-robot support units, travels back to Sherwood Forest to find out what has caused the shift.
Why I Picked it Up: The Doomsday Code is actually the 3rd book in the Time Riders series. I love time travel stories so when I read a review that mentioned time travelers going back to the time of Robin Hood to look for the Holy Grail, well, it caught my attention.
Why I Finished It: Maddy and Liam were both strong, likable characters. The story was fast-paced, action-packed and complex enough to keep me wanting to find out what happens next.
I'd Give this Book To: Anyone in high school or older who likes time travel, fantasy or science-fiction.


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If you can't find queso fresco top these mild tacos with shredded cheddar or Monterey Jack.
1. Preheat the oven to 400 degrees F. Dice the potatoes and onion into 1/2-inch pieces and toss with the olive oil. Spread on a foil-lined baking sheet and season with the salt, pepper, and chili powder. Roast, tossing occasionally, until the potatoes are golden brown and tender, about 25 minutes.
2. Meanwhile, char the skins of the poblano peppers on the burner of a gas stove or on a grill. Immediately transfer the charred peppers to a bowl and cover with plastic wrap; let sit 10 minutes. Gently rub the charred skin with your fingers (it should peel right off) and discard. Slice the peppers, discarding the seeds.
3. Fill the warmed tortillas with the potato-onion mixture and sliced poblano peppers. Top with queso fresco and fresh cilantro.


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The final screening of Come Hell or High Water, Remembering the Great Flood of 1916 will be held at Tiggs Pond Retreat Center on Saturday, May 6, at 7 p.m. David Weintraub, filmmaker and executive director of The Center for Cultural Preservation, says his documentary is a story of Appalachian grit more so than destruction. Still, age-old pluck didn't lessen the flood's initial devastation.
Rain started the first week of July, and didn't stop until mid-month. Two hurricanes drenched remote hollers, some places receiving 22 inches in just 24 hours. Mountains became mud, bridges crumbled and nearly every dam on this side of the Mason Dixon burst. The estimated damage topped half a billion in today's dollars.
Accustomed to self-sufficiency, old timers mobilized. They built back barns and mended railroads. From the outset, our ancestors took the flood in stride. But gory images—mothers hanging in trees and children being swept away—got passed down like folktales.
Though there are no known survivors, Weintraub has spent the last four years collecting oral histories. LuVerne Haydock, for instance, shared a letter her grandfather, Buford Haydock, wrote to his brother. LuVerne says Buford and his family fled Bat Cave, but not before witnessing Mother Nature's ire. "The water came in the house," Buford writes. "We scrambled until we got upon the ridge."
With the Broad River Bridges gone, Buford carried provisions by foot. He used logging roads to visit his momma and boiled water to cheat typhoid. Minus the note mentioned here, he carried on seemingly unfazed.
"It's a story of resilience," says Weintraub. "It's a story of how communities were able to overcome."
Tiggs Pond Retreat Center is located at 651 State Road 1112 in Zirconia. The Center for Cultural Preservation is requesting donations of $15 or more for admission to the "Encore 1916 Flood Program." Donations benefit a new film on the roots of Appalachian music. For more information and to reserve tickets, go to saveculture.org.


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InterExchange Au Pair USA has caring, experienced and responsive Local Coordinators available to answer your questions, provide matching assistance, and provide guidance and support to both you and your au pair.
All InterExchange au pairs are pre-screened and interviewed before arriving to the U.S. Once they arrive they go through a comprehensive training program where they learn CPR, First Aid and child development. InterExchange Au Pair USA sponsors each au pair's J-1 Visa which allows the au pair to legally work in the U.S. for 12 months. The au pair program can also be extended for up to 12 additional months. Once you join our program, I will guide you throughout the process of selecting and welcoming your au pair!
We're here to provide support and answer any questions you may have about the program. Applying is easy with our online application, but please don't hesitate to send us an email if you have questions about hosting an au pair.


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A lot has become evident over the last 24 hours. Joaquin's forecast is beginning to become more clear as we sit with rain and wet conditions for the next 24-36 hours in the Mid-Atlantic. There's a lot to talk about, so let's get started.
Major Hurricane Joaquin
The forecast with Joaquin has becoming increasingly more clear. The forecast models we rely on the most with tropical weather forecasting are continuing to prodce out to sea tracks. However, it is important to note that they did come a bit west last night. Because of Joaquin's decreased speed, and it's delayed NW turn, the blocking high that would send it into the coast weakens, so it moves out to sea. What that means is that if Joaquin doesn't get kicked out to sea, it will just move north, pass Cape Cod, and into Atlantic Canada. Below are my scenarios
Wet 36 Hours Ahead
This part of the forecast has always been pretty easy. Today and tomorrow, we're going to see a lot of rain with wind. All of this rain should erase any rainfall deficits we may have.
This system looks to be the first real Nor'Easter of the season. I think the heaviest rains with the highest winds hit between 4pm today and 4am tomorrow morning. After about noon is when the chance of rain starts to fall from 90% to near 60%. I think we don't reallty start to clear out until Sunday, but even then we still have a 40% chance of rain.
Below is a look at the current alerts we have in effect around the region
I can now say with 90% confidence that Joaquin will head out to sea. We will contiue to see moderate rains from the Nor'Easter the next 36 hour. The worse of the weather will be from 4pm - 4am. Below is a look at forecasted rainfall totals.
All in all, while some may criticize my earlier forecasts, and call this a bust, I'm happy it is. A landfalling Category 2 or 3 hurricane in SoMD would cause so much destruction and devastation. This area would look like a natural disaster zone. We dodged a huge bullet this time, but next time we may not be so lucky. Stay tuned to JB Weather for the latest Southern Maryland weather forecasts. This will be my last Joaquin update. Stay safe, stay dry, and stay warm.
Lead Forecaster
-John Bordash
March 2019


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Now, I've only played one set with the LSO this year and didn't even know most of the people in the orchestra. Somehow, though, suck 'n blow has a way of breaking the ice and bringing people together. That and pints of Killian's. Or could the LSO musicians' near-universal, white hot hatred of that group's stick flicker be the tie that binds? It is difficult to tell. In any event I learned a new game, made some friends, and went to Hooters for the first time ever. (It boggles my mind how a restaurant can blatantly use tits and ass as marketing devices and still portray itself -quite accurately- as family dining.)
This set was one of two I'll play as principal with the LSO this season. All the other sets will feature my highly capable friend SM in the hot seat. Eventually the powers that be are supposed to make up their fucking minds about who should be hired for real. I'm not holding my breath on that decision.
Interesting notes from this set: We lost our principal oboe player to a migraine at the intermission of Friday night's concert and then lost our tuba player (said oboist's husband) to an emergency appendectomy for Saturday night. The show must go on, but first, is there a doctor in the house?!
Suck 'n Blow tips:
- It's all about the lip seal, man!
- Use tongue at your own peril.
- Gravity can be your best friend or your worst enemy.
- Suck, then blow!


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RoSA is excited to partner with Pittsburgh Filmmakers for this unique workshop experience. Capture your own image of the Carrie Furnaces on solid METAL! This exciting workshop introduces the historic photographic process of "dry plate" tintypes. Popular during the late 19th century, tintype photographs were originally photographed on enameled iron and sometimes called "Ferrotypes". Join visiting photo artist Jeffrey Krsul at the furnaces and don't miss your chance to have your own unique image of the Carrie Furnaces preserved forever! (This workshop also includes standard digital photographic opportunities for participants.) Participants will spend time in the field shooting the Carrie Furnaces and travel to Pittsburgh Filmmakers for the second portion of the workshop including dark room development.
$115/$140 listed (lower price is for PF/PCA members)


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These days competition has increased to such an extent that different platforms to market the business is used. Whether you choose the banner, flyer or any other traditional method to promote your product or service, it will definitely have a strong impact in the mind of the customers.
Talking of which corporate banners have come up online that you can download for free of cost. Such banner designs along with internal link anchor text can make your business profile look enticing and appealing.
Corporate Roll-Up Banner Template Design
Corporate Banner Template
The banner size of this template is available in 30×70in. In case you need to make any changes in the banner, you can do the same either with Smart Object or with Photoshop CS5. It has 100 dpi and comes with CMYK color. This type of template is mostly used by small scale business to target the audience for the new product.
Business Roll up Banner Templates
This template is also used for presentation purpose. It has a clean, smart and clear design which you can use for different corporate and business purposes. In case, you eed to edit the text, there are organized layers available which can make it simple for you. You can also take a print of it to fulfill your project requirement.
Corporate Web Banners
This type of banner is mostly used for websites and blogs. It comes with great quality of graphics and has amazing resolution. Such type of banner is specially designed for web sizes and can be best to be used for campaigning your newly launched business idea. Using this banner will definitely give you a good conversion rate.
Custom Corporate Advertising Banner
For business who have been looking for advertising their newly started product or service can definitely use this template as the best option to advertise. It can be easily customized and edited due to the organized layers present in it. It comes with good graphics and high resolution with CMYK color design.
Abstract Corporate Business Banner
For people who are looking for out of the box design with lot of creativity put in it shall choose this template. It comes in horizontal style and us used for layout template, advertising business, and background for website design. It is available in high resolution and comes with different sizes.
Corporate Vector Roll up Banners
This type of banner is available in 300 DPI high resolutions and has vector illustration as well. Such banner is useful for the business that is planning to launch more than 1 product at a time. It comes with 30×70" 0.25" Bleed all the side and has 3 different colors with free font option.
Corporate Banner Set
This banner set is used for multipurpose. It comes in 21 different sizes and is best used for promoting the agency, company, business, and studio. It has a simple layer and colors and text can also be easily edited as per project requirement.
Corporate Business Workflow Banner
This banner has a flat design and comes with good space to include necessary text. It is good for large corporation business that needs to create a strong communication with their employees. It comes with vector illustration and is available in different designs.
Corporate Business Roll up Banner
This banner is another example of business style roll up banner which you can adhere in your project. It is also used for promoting insurance, college, and real estate business. This type of template can suit different business purposes.
Flat Corporate Banners
This set of banner design is made with vector illustration, has high resolution, and is available in different sizes. It is mostly used by business who are planning to launch their product or service on blog or a website. It is considered to be an effective promotional tool which is best suited for digital marketing, education and social media based company as well.
Business Promotional Bus Stop Banner
Colorful Business Banner
Corporate Roll Up Banner Stand Template
Workplace Business Banners
Corporate Trade Show Banner Set
Corporate Display Banners
Business Corporate Web Banners
Corporate Business Stand Banner
Corporate Summit Banner
With so many corporate banner designs available for free of download, you can certainly choose the one that will match your business needs. For enticing the promotional effect, you can also add internal link Anchor text in the banner and make your project more effective and customize as per the requirement.
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text: Fill out the form below and we will schedule your FREE THREE DAY TRIAL. Once you walk into our gym, you'll feel the difference right away. We have the most comprehensive facilities along with the best health and fitness culture you can experience. We look forward to meeting you soon!


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silhouette(redirected from basketball-shaped silhouette)
Also found in: Dictionary, Thesaurus, Legal, Encyclopedia.
outline of a figure. The sharpness of the silhouette is a function of the shape, size and density of the object. This is most marked in radiography.
basketball-shaped silhouette
the enlarged cardiac outline seen in the dorsal-ventral view of the thorax in a dog with chronic pericardial effusion.
silhouette sign
produced when two fluid densities are contiguous and the individual outline of each is lost. Commonly used in the evaluation of chest problems.


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Time has come for Kanye West to say goodbye to one of his first cribs. It has been confirmed that the rapper's Hollywood Hills home that served as a bachelor pad back in the day has been sold.
It has been quite a long journey for the husband of Kim Kardashian as he has been trying to sell the pad since 2010.
The mansion received an offer of $2.95 million, and the sale was done privately. Los Angeles Times first reported the real estate news.
In case you are wondering if that is a great deal or not, you should be aware of the fact that Kanye bought the three-bedroom, four-bathroom property back in 2003 for $1.7 million.
Regarding what the new owners will experience once they move in, amenities include a breakfast room, home theater, a fish tank in the master bedroom and a cartoon-like mural in the dining room.
Lots of things have changed for Kanye since he purchased the mansion more than 10 years ago.
Besides marrying Kim Kardashian, he became a father of two children, Saint West and North West.
Along the way, Kim has proven to be a smart business woman as she launched several of her own perfumes and she also obtained several endorsement deals for various companies.
Kanye also continued to make a name for himself in both the fashion and the music industry.
In late 2014, the Kanye and Kim decided that Hidden Hills was where they wanted to be for good.
They would purchase a brand-new, 15,000-square-foot French country-style estate on 3 acres.
Soon after, they bought the property next door for a reported $2.9 million to ensure more privacy.
When he is not traveling across the country for various projects, Kanye is usually found enjoying his Southern California property.


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Current region: The Caribbean > Jamaica > Saint Ann > Claremont
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Rental Price62 Pound Sterling per object per day
Price includes following expenses
Description of objectA newly refurbished 2 bedroom cottage situated in the hills. Enjoy the incredible mountain and ocean views and cool breeze that this Great House offers from its 7 acre gardens. .
The Great House was Built in 1792, and offers lots of features when walking in its grounds which boast an abundance of tropical flowers, fruit and various other trees . The cottage being newly built also offers the splendors of Jamaican living, with only 30 minutes ride to the beaches. There are many restaurants and shops in the town of Ocho Rios, where you will find Dolphin Cove and Dunn\\\\\\\'s River Falls.
The house offers tennis courts, a luxury spa room, Jacuzzi hot tub, a large outdoor swimming pool and a snooker/pool table. There is a newly built sun deck perfect for sun-bathing, as well as numerous tropical gardens to explore.
The house has all the basic amenities including television and music equipment, laundry services, microwave and hairdryer.
The staff are all incredibly helpful and friendly, and we will provide a courier service from the airport which will take you to the house, however, a rental car would be advisable therefore, we can also arrange a car hire which we recommend.
No pets are allowed on the premises. However the owner does have dogs on site, all the animal are perfectly trained and people friendly.
Location of objectThe area closer to the house is much more peaceful, surrounded by tropical plants and flowers and various exotic birds. The air is full of the aromas of the flowers and fruit all growing in the area.
The drive to and from the house offers spectacular views of the mountains and ocean that are all breath-taking.
The local town of Claremont is a 15 minute drive from the house, for those who grow tired of the tourist towns, Claremont is a great day out and a great way to experience true Jamaican culture.
A little further from the house is Runaway Bay where you will find the local beach and beach restaurant.
For families with children or adults looking for active entertainment Dunn\\\\\\\'s River Falls, and Dolphin Cove two of the best attractions Jamaica has to offer.
Town: Jamaica, Brittonville, ClaremontThe region of Jamaica is a paradise, a mix of vibrant green hills, white sandy beaches, crystal blue waters, and amazing towns full of shops, restaurants and entertainment, and the people are all wonderfully friendly and welcoming.
St Ann\\\\\\\'s is one of the major tourist destinations of Jamaica, home to some of the most popular beaches on the island, such as Puerto Seco Beach. On the west cost shore is Ocho Rios (just a 30 minute drive from the house) it has a variety of amazing restaurants and both local and duty-free shops.
At the other end of the island is Negril, home to the famous \\\\\\\'7 mile beach\\\\\\\'. The strip is actually closer 4 miles and is home to many all inclusive resorts and also family run hotels, there are many amazing shops and restaurants found all along the beach front that you can easily spend all day exploring.
The climate of Jamaica is hot, with the average temperature of 82 degrees, but expect this to be hotter in the afternoons particularly when the humidity levels are high. Fortunately the island itself is blessed with north-easterly trade winds that offer an amazing breeze and cool relief from the high temperatures. There can be a lot of rainfall, particularly in the months of May and October, the rainstorms are normally heavy but brief, starting in the afternoon and finishing before you\\\\\\\'ve even realised it\\\\\\\'s raining.
Arrival and distancesArrival day: any
Distance to next airport: Montego Bay 100 Km
Distance to next shop: 20 Km
Sport facilities nearbyDiving, Golf, Horse riding, Swimming, Tennis, Water ski,
Theme of holidays
Total sleeping facilities and distributionTotal number of sleeping facilities: 2
BathroomsNo. of bathrooms: 2
External facilities of object
Internal facilities of object
Machines and equipment
Kitchen facilities
CateringCatering: Self catered (inclusive)
Additional InformationThe owner has dogs on site, they are well trained and will be kept away from guests in a secure area


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Over 130 Royal Arch Companions were very preveledged to witness The Tercentenary Chapter of Suffolk Consecration at Ashlar House, Bury St. Edmunds on Friday 9th March, 2018.
The ceremony was carried out by E. Comp. David Boswell, M.E. G.Superindent of Suffolk, assisted by The Second and Third Provincial Grand Principals along with The Deputy Supreindent and Provincial Officers.
Future meetings for The Tercentendary Chapter of Suffolk will be held - Tuesday 29 May, WOODBRIDGE and Tuesday 4 September FRAMLINGHAM
Photos of founding members also the 3 Grand Principals. Photo copyright R.Nash


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16 Things I Noticed Rewatching 'Our Lips Are Sealed' Movie As An Adult
Fifteen years ago, Mary-Kate and Ashley Olsen's characters went into the witness protection program after witnessing a jewelry heist. After several failed attempts to keep their secret, the FBI had no other choice but to place them in Sydney, Australia (I know, it's a rough life). Taking on new identities as Abby and Maddie Turtleby, Our Lips Are Sealed is a Mary-Kate and Ashley hit straight-to-VHS movie that many of us grew up watching. If you didn't, you missed out in my opinion, because it's hilariously bad, yet we all just wanted to be Mary-Kate and Ashley.
The last time I saw Our Lips Are Sealed was probably around the time it came out in 2000. Personally, I was more of a Holiday in The Sun gal, but who could turn down a 90-minute Australian journey? Not me. Not to mention, there were two cute blond Aussies who seem to be pretty decent surfers. (Writing this makes me feel kind of gross considering they are young boys in the film and I'm now an adult, but at the time I was obsessed). There are tons of things I failed to notice the first few times I watched this because I was just 10 years old when it came out. So I decided to go back and re-watch all the amazingness that is, Our Lips Are Sealed.
1. The Odd Mail Truck
Instead of renting a mail truck for the movie, they just painted a jeep to look like a mail truck. #budgetproblems
2. This Convincing Disguise
Yeah, this disguise will definitely make them look incognito.
3. They Won A Case Over A Zit
Can we talk about how no one in history has been convicted after a freshman in high school identified a guy over a zit? Oh well, apparently it's solid evidence.
4. Emil Hatchew
Dying over the mobster's last name sounding like a sneeze. Definitely not something I remembered from when I was a kid.
5. Stanford Blatch Plays An FBI Agent
Before he played Carrie Bradshaw's BFF, Willie Garson worked for the FBI in the witness protection program.
6. Beepers
Remember this piece of ancient technology?
7. They Had A Pet Kangaroo
New life goals. How do we get a pet kangaroo that eats potato chips and watches TV?
8. Crushing A Can On Your Head
Raise your hand if you tried to do this after this movie. Don't, it hurts.
9. The Subtle Titanic Moment
When you have a boat at your disposal, the Titanic recreation is a must.
10. Jason Clarke
Mac, one of the bad guys, was played by Jason Clarke. You may recognize him from Terminator Genisys, Dawn of the Planet of the Apes, The Great Gatsby, Zero Dark Thirty, White House Down, The Chicago Code or Brotherhood. Basically, he's a big actor these days.
11. This Fashion Trend
Animal print pockets were so fetch.
12. These Weird Pauses Filled With Jokes
Whose idea was it to have them dancing, pause, and have them tell terrible jokes? That guy should be fired.
13. They Stole A Car
Remember when they're being chased by the mob guys? Pete and Avery just hop into a random car and drive away. They stole a freaking car and literally no one cared.
14. This Torturous Plan
Death by makeover. Wouldn't life be much easier if you got people to confess by painting their nails and doing their makeup?
15. Who Is This Creepy Guy?
…And why does everyone act like a guy who believes he's a news anchor is normal?
16. So They Get To Keep The Diamond?
I'm pretty sure in real life that diamond would be returned to the museum. Instead, the FBI agent Kate just tosses it back to the twins. Ah, to be an Olsen!
Images: Our Lips Are Sealed/Screenshots (17)


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CONTESTANT BIO: MARK SZLIARD, Environmental Engineer
Mark is a 30-year-old Environmental Engineer who lives in Toronto. He got his Bachelors degree in Engineering from McMaster University. He says that he loves to solve problems and that protecting the environment is very important to him.
His job involves helping businesses "go green" with energy conservation. Mark loves adventure and travel. He has a music studio in his house where he plays the keyboard, drums and guitar. Mark's friends describe him as one of the smartest people they know as well as a charming and handsome man.
Mark would donate some of his prize money to charities in developing countries and then buy a house.


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Welcome To EZ Bikes & Scooters
Our electric bicycle line includes bikes by:
EZ Pedaler & Emotion
Our scooter line includes:
Genuine Scooters, SYM, Lance and Chicago Scooter Company
In addition to sales, we also offer full scooter repair & service of all makes and models of bikes and scooters. We invite you to stop in and test drive any of our bikes or scooters. We guarantee that you'll leave with a smile!
Give Us A Call
(603) 778-1402
Hours: Mon - Fri 8:30-5 | Sat 8:30-3 Sunday 11-3


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Editor: In a recent column in which she defends the death sentence, Ann Coulter stated:
"There is more credible evidence that space aliens have walked among us than that an innocent person has been executed in this country in the past 60 years, much less the past five years".
I'll leave the subject of space aliens to Coulter, but the fact that mainly through the efforts of the Innocence Project organization and the use of DNA testing, more than 270 people who were wrongly convicted have been exonerated of their crimes in recent years. Among them were 17 peoples on death row waiting execution.
This would seem to be rather credible evidence that the probability of having executed some innocent victim is pretty high.


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David's Monday Morning Musings, Labor Day Edition
From the desk of Dr. David Swanson
"...that at the name of Jesus every knee should bow and every tongue confess that Jesus Christ is Lord....." Philippians 2:10-11
Last week, I'm out downtown and I run into someone that I know. I am also convinced her name is Susan. I enthusiastically greet her, "Susan! Hey!" She smiles and greets me in return, then says, "You know my name is Beth, right?" Argh. I hate that. Hate, hate, hate it! I hate it because names matter, and while I try hard to remember, I blow it more than I care to admit. A name is a powerful thing. It is history, identity and reputation all rolled into one. For that reason, understanding the names of God is critical. He is not generic "God", but He has named Himself so that we might more fully understand His being, nature, character and history. That revelation is seen most fully in God made flesh, Jesus Christ. His is the name that is above all names, the only name given to us by which we are saved (Acts 4:12). And unbelievably, our Creator God knows OUR names. It is the answer to our deepest longing: to be known. He knows us fully, calls us by name, and claims us as His own. He never forgets our names, for we "are graven on the palms of HIs hands." (J.I. Packer) #HonortheName #PraisetheName #HallowtheName
THE MARRIAGE RETREAT: Registration opened last week for The First Pres Marriage Retreat, February 9-11 at Mission Inn, and we already have 53 couples signed up. Our max is 100 couples, so look at your calendars, talk to your spouse, and plan for a great Valentine's gift by joining us that weekend. Leigh and I will be speaking on the dynamics of forgiveness, communication, intimacy and spiritual growth. #everytwoyears #donotmissthis
Recently, a group of conservative theologians and pastors released something called The Nashville Statement. It has been signed by a number of people throughout evangelicalism, but I am not one of them. Some of you have asked me why I didn't. It's not that I find anything particularly wrong with the statement, but there is more to Christian witness than just being right. There is tone, timing, context and relationship. It lacks pastoral sensitivity to those outside of the church, the very ones that we in pastoral ministry are trying to serve - and reach. It was ill-timed as thousands suffered in southeast Texas. To paraphrase what has been said before, in order to have a good song, it takes both words and music. The words were fine, but the notes were flat. #truthwithlove #lovewithtruth #NashvilleStatement
To be sure, theology absolutely matters. Sadly, it has played out in Houston in the wake of so much suffering. Anthea Butler's NYT column The Cheap Prosperity Gospel nailed it when she said "sufferers don't need platitudes." When Joel Osteen has told people over and over that life always works out if you love Jesus or you'll have your best life now, what are people left with when real human suffering arrives? They have not heard about God's redemptive purpose for suffering. They have not learned from the suffering of Jesus nor His presence in it. They are left empty and wanting. #theologymatters #thefalsefeelgoodgospel
I don't usually say much in the political realm, but our government needs to protect the children of illegal immigrants through DACA. There are 6,000 in Central Florida alone. They are here by no choice of their own. They did nothing. They need some way to gain legal status as those caught in the middle.
This is an excerpt from David's regular #MMM Monday Morning Musings on Facebook. Read the full post.
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The Rev. Dr. David D. Swanson is the Senior Pastor and Head of Staff of First Presbyterian Church of Orlando. In his spare time, Dr. Swanson enjoys reading, running, playing pick-up basketball and golf. More about David.


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marketing review - optimize revenue
June4 Takeaways From ROC 2019 breakout sessions
May6 Questions for HSMAI Revenue Optimization Professional of the Year Nicole Young
5 Things to Know About HSMAI Revenue Optimization Vanguard Award Honoree Randy Smith
The Future of Revenue Management
FebruaryWhat skills will the future hotel executive need to succeed?
JanuaryWant a More Effective Revenue Management Team? Hire and Develop Analytics Geeks
10 Revenue Management Challenges to Embrace For 2019
Analysts predict rate-driven growth in Q1 for US hotels
Happy New Year From HSMAI, 2019
DecemberThe next frontier in revenue management
Savvy revenue managers should look for opportunities beyond just room revenue, such as in group meeting and banquet spaces. Here are some things to consider when refining the M&E strategy.
The Next Big Things in 2019
How I Got Here — Monica Xuereb, Loews Hotels
NovemberHow I Got Here — Scott Pusillo, Sabre Hospitality Solutions
OctoberHow I Got Here — Linda Gulrajani, Marcus Hotels & Resorts
Getting Ready for 2019
MayCareer Insights From HSMAI's Revenue Management Professionals of the Year
5 Things to Know About HSMAI Revenue Management Vanguard Award Honoree Bob Cross
Cross is the recipient of the 2018 Vanguard Award for Lifetime Achievement in Revenue Management, which will be presented at HSMAI's Revenue Optimization Conference (ROC) in Houston, June 2018
AprilExecutive Briefing: AAHOA's Chip Rogers
JanuaryRevenue managers to 'adapt and adopt' in 2018
SeptemberThe Past is Prologue
Excerpt from the upcoming new book Hospitality & Travel Strategy 2020 by Fred DeMicco, Ph.D. Marvin Cetron, Ph.D. & Owen Davies (2018)
AugustStrong demand keeps US hotel performance growing
All six key performance indicators are at record levels and hoteliers are happy, speakers said during the opening general session of the Hotel Data Conference. Still, raising rate remains elusive, despite high demand.
JunePrescriptive Analytics and Machine Learning for Revenue Management Leaders
Predictive analytics and machine learning are at the leading edge of revenue management practices in the hospitality industry. HSMAI's Revenue Management Advisory Board recently discussed how RM leaders should be thinking about these issues.
JanuaryNew supply will continue to challenge hoteliers in 2017
Hotel owners and market analysts weigh in on how new supply could erode pricing power and make 2017 a tough year for the industry.
OctoberIt's Budget Season: Do you know where your revenue manager is?
To help hoteliers get the most out of those tools, and the process of developing them, HSMAI's Revenue Management Advisory Board recently discussed the question of, "From the revenue management perspective, what are you watching for and thinking about as budget season ramps up into high gear?"
SeptemberThe Analytics Tsunami: Are You Ready to Ride its Wave?
AugustWhat market RevPAR says about the state of the cycle
How can anyone accurately predict when the U.S. economy's downturn will begin? Looking at the pattern of market-specific RevPAR changes from previous cycles could provide some clues.
JulyHow low-cost airlines are shaking up room distribution
Low-fare airlines in Europe are looking at increasing their ancillary revenue and have entered the hotel booking arena.
5 Steps To Building A Sustainable Revenue Strategy Team
A panel of Revenue Strategy experts at the recent HSMAI Revenue Optimization Conference in New Orleans discussed five steps for developing and retaining top Revenue Strategy talent.
The 'secret sauce' of revenue management and e-commerce
Roomnights by their nature are "perishable" commodities. How do revenue managers keep roomnights fresh while under the constant barrage of data?
JuneDeclines in NYC and Houston could foreshadow downturn
2015 was a record year in the U.S. hotel industry, but what can hoteliers learn from the performance declines seen in New York City and Houston?
AprilEuropean hoteliers weigh the success of rate parity
The last couple of years have seen various European rulings designed to level the playing field in favor of pricing agreements for hoteliers with OTAs. Not all hoteliers are convinced this has improved the landscape.
Stay calm and keep hoteling
If all good things must eventually come to an end, then the hotel industry should be exempt—for now. That was made clear during the International Hotel Investment Forum, the global investment conference in Berlin.
FebruarySTR, TE forecast continued growth through 2017
For 2016, the U.S. hotel industry is predicted to report a 0.6% increase in occupancy to 65.9%, a 4.4% rise in ADR to $125.30 and a 5% increase in RevPAR to $82.60.
JanuaryHuman element deters dynamic pricing at hotels
Dynamic pricing is a good theory and a practice used by the airline industry, but can it translate to the hotel industry?
The truth behind hotel 'best rate' guarantees
Revenue Management's New Frontier in 2016: Extended Length Accommodation
Revenue managers see opportunities in 2016
From recent consolidations to major changes in competition from online travel agencies, revenue managers in this year's end-of-year virtual roundtable see some interesting things coming in 2016.
SeptemberAccor's distribution gamble takes shape
Since launching its new distribution strategy in June, AccorHotels has been busy testing, tweaking and structuring the inclusion of independent hotels to its brand.com distribution platform.
Low Levels of New Supply Boost U.S. Lodging
Fundamentals across the U.S. lodging sector remain unusually strong in the context of a cycle that turned 59 in July, based on consecutive months of positive TTM RevPAR, according to Fitch Ratings.
AugustUS hotels enjoy 'fundamentals of a lifetime'
ADR and RevPAR might be projected to mellow going forward, but industry champions still remain optimistic that the U.S. hotel industry will continue its recent impressive growth amid the best fundamentals ever seen.
JulyRethinking restaurants as revenue leaders
Don't fall flat on your road to revenue success at your hotel restaurant. Here are some obstacles to avoid.
May'Money mavericks' talk top challenges in NYC
New York City is a tough place for revenue managers, according to a panel of "Money mavericks" during an HSMAI New York Chapter event.
AprilLate-cancel changes not a game changer—yet
In the three months since Marriott International and Hilton Worldwide Holdings adopted stricter late-cancellation policies, hoteliers say the impact hasn't been huge, but it's a step in the right direction.
JanuaryIs Your Hotel Ready? Revenue Management Predictions for 2015
The key thing to remember throughout the year is that creating an alignment across all teams within a hotel will ensure success—not only for each department or group, but also for the organization as a whole.


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Swedish vote will decide future of nuclear power
On Sunday 19 September, Sweden will elect a new parliament (Riksdag). The outcome may have important consequences for Swedish energy policy. If the Left succeeds in gaining back the majority in Parliament from the Right, the Swedish "nuclear renaissance" will likely be nipped in the bud. As regards state-owned energy company Vattenfall, the right-wing parties are contemplating opening the door for private shareholders and selling off the company's German and Dutch assets. The Left is opposed to privatisation, but might agree to the divestment of non-Swedish assets. When it comes to renewable energy, there is not much difference between left and right: both sides have lost faith in ethanol and have promised to boost biogas, wind power and electric cars.
|Swedish 'nuclear renaissance': nipped in the bud?
For Sweden's energy policy, this means that the choices will be much more rigid than before. Broader compromises across ideological lines, which were occasionally achieved in the past, are now highly unlikely. Much to the regret of the energy industry, which prefers to see broad support behind energy policies, to ensure their continuity in the future. The elections promise to be tight. The two blocs are roughly equal in the polls, with the governing coalition having a slight advantage. And there is a wild card, too: the radical right-wing Swedish Democratic Party could gain entry into Parliament, if they score above the 4% threshold. They could even obtain a role as kingmakers, holding the balance of power.
Relatively satisfied
The energy industry is generally positive about the achievements of the current right-wing Alliance in the past four years. 'The government has met our expectations during this legislative period,' says Kjell Jonsson, chief executive of Swedenergy, the electricity industry's lobby group.
He is fully supported by Maria Sunér Fleming, director of Energy and Climate Policies with the Confederation of Swedish Industry: 'Overall, we're satisfied.' Gunnar Fredriksson, deputy chief executive of Swedish Wind Energy, the wind industry lobby group, qualifies this somewhat. 'We are relatively satisfied with the goals, not completely satisfied with what has actually been achieved'.
Needless to say, the political opposition has a different view. 'Four years of missed opportunities to undertake a drastic conversion to renewable energy sources. The seriousness of climate change has either not been recognised or it has been consciously ignored. There is a lack of vision.' This is the view of Monika Wetterstrand, one of the co-leaders of the Green Party. Through her charisma and matter-of-fact attitude, Wetterstrand has been the opposition's trump card. In many ways she has managed to overshadow the leader of the Social Democrats, Mona Sahlin. In the capital, Stockholm, the Greens have a chance to become the largest party in the Red-Red-Green bloc. This means that, should the Left coalition win the elections, the Greens might come to exert significant influence on Swedish energy policy.
Push for new reactors
Nuclear power continues to occupy a key position in Sweden's energy policy. Last year the Alliance took the historic decision to end a 30-year old ban on new nuclear build that had been instituted after a referendum in 1980. That is, they will do so – if they win the election on Sunday.
This breakthrough came about after the Centre Party gave up its traditional opposition to nuclear power. Sweden has ten reactors which produce about half of the country's electricity supply. The Alliance wants to make it possible for the existing reactors to be replaced by new ones. The right wing bloc envisions three main energy sources for Sweden in the future: hydropower, nuclear and renewables.
The opposition sees the stand of the Centre Party – in particular of its high-profile Industry Minister Maud Olofsson – as a capitulation. Until recently, the Centre Party had been bound by an anti-nuclear pact with the Social Democrats.
|Forsmark is the most modern nuclear power station in Sweden
Despite the problems encountered by Finland's Olkiluoto 3 reactor, which is currently under construction, Kjell Jonsson doesn't anticipate any financing problems, 'as long as no special additional taxes are levied on nuclear power '. He argues that 'I find it very difficult to imagine that Sweden could achieve its energy policy ambitions while simultaneously switching off nuclear power which is the source of approximately half of its electricity supply'.
The industry is worried that the current political polarisation will rule out any compromises in future, especially with the Social Democrats. Both the other parties in the Red-Red-Green bloc are staunchly opposed to nuclear power. Sahlin's Social Democrats are split. Its members and voters who earn their money in industry, including the labour unions, tend to be in favour of nuclear power, those who work in the civil service tend to be against. The party's official position is to maintain the status quo and not allow any new reactors to be built, whereas the Greens are demanding the closure of at least one reactor.
Selling off Vattenfall
Another bone of contention between the two blocs is the future of state energy company Vattenfall. Maud Olofsson, who sees herself and the Centre Party as "the green voice of the Alliance", has proposed to gradually sell off parts of Vattenfall, in particular its lignite coal-fired power stations and nuclear power plants in Germany and its Dutch "gas" subsidiary Nuon which it acquired only last year. Nuon is known as a "gas company" in Sweden, i.e. a producer of fossil-fuel based energy (in reality, the Dutch company also produces significant amounts of renewable energy). Olofsson said the money from such a sell-off could be used to set up a new state-owned energy company that would specialise in domestic production of renewable energy.
The Social Democrats' initial reaction to this proposal was negative. Their economic spokesman, Thomas Õstros' said it would be absurd to let go of 'one of the state's crown jewels'. Later, however, he said that 'Vattenfall's "bad" investments in European coal and gas power stations could be re-examined after a red-green election victory'. However, whereas the Alliance would consider a partial privatisation of Vattenfall, this is rejected by the Left coalition. The acquisition of Nuon in the Netherlands has been criticised heavily in Sweden because the price Vattenfall paid is regarded as too high.
Air force
Although nuclear power and Vattenfall are the energy issues the two blocs differ most strongly about, most of the attention in the energy debate currently goes to the question of renewable energy. Until now, Sweden has barely had to worry about this, given that its power supply could be relatively easily secured with large shares for hydro and nuclear power. However, Sweden has set itself the goal of sourcing 49% of its electricity needs from renewables by 2020 (including hydropower), compared with 2002.
This would require the production of an additional 25 TWh of "clean" electricity production, expected to be supplied for the most part by wind power. Currently Swedish wind power production is about 3 TWh. According to Gunnar Fredriksson of Swedish Wind Energy this is 'an appropriate and achievable goal'. About 15 TWh would be produced on land and 10 TWh offshore. The Left coalition would like to see 30 TWh of wind power to be produced in 2020 instead of 25 TWh. This would also be achievable, says Fredriksson. It would require 6,000 wind turbines to be built. It takes some 400 MW of capacity to produce 1 TWh of wind power.
To finance the expansion in wind power, the Swedes do not want to follow the German model. They regard it as inefficient and inordinately expensive. Germany is 'completely unsuitable' as a wind power model for Sweden, says Jonsson of Swedenergy. In contrast, Sweden in 2003 adopted the renewable energy certificate as a subsidy instrument. This has 'made it possible to achieve cost-effective electricity production from renewable sources,' according to the Swedish Energy Agency (Svensk Energimyndigheten), a government institution.
Vattenfalls Lillgrund offshore wind power park,
All this sounds like smooth sailing, but in fact Sweden has a big wind power problem at the moment. There is a huge mountain of applications for the construction of wind turbines waiting to be processed by officials. In the end only a fraction of those will be granted. This is the unintended consequence of legislation passed a year ago by Environment Minister Andreas Carlgren, who wanted to simplify the licensing process. He removed a number of stages in the approvals process, but at the same time strengthened the power of the local councils. They now have an absolute right of veto – and they use it extensively. Local politicians either bend to the will of the voters and turn applications down, or in some cases even "demand a price" for their approval. There is talk of corruption and bribery.
Fredriksson says the situation is a 'legal disaster'. Anders Dahl, head of Vattenfall Vindkraft, agrees. 'Seen as a whole, the approval process has become worse with the new laws. It has become more difficult and takes more time'.
According to the European Wind Energy Association (EWEA), Sweden's average time for the approval of wind turbines is 43 months, which is among the longest in the EU. Both blocs have promised to change the law to improve the licensing process. In the meantime another unpleasant surprise hit the sector when middle-level officers in the air force declared a halt to the construction of all wind turbines within a 40 km radius of all military airbases. They did this without consulting their superiors or the government, citing flight safety as the reason. If this decision remains in force, it would, according to Swedish Wind Energy, affect the construction of 1,500 wind turbines with a production of a total of 3,000 MW and an investment value of kr45 billion (£á4.74 billion).
Better controls
One of the great delusions in renewable energy in Sweden has been ethanol. This had been promoted by the government as the preferred transport fuel in recent years, but it proved much too costly and led to huge imports of ethanol from Brasil. This convinced the government to cancel all ethanol subsidies.
The current big thing is biogas. Sweden has its own significant reserves of biomass which it can use to produce biogas. Bioenergy production grew from 127 TWh in 2009 to 137 TWh in 2010. Eon, one of Sweden's big three suppliers, has placed several full-page newspaper advertisements for gas-powered cars. Still, there are only 107 biogas service stations in the whole of the almost 2,000 km long country (as of May 2010). There are hardly any biogas stations in the north, but in Stockholm too there are many complaints about empty pumps. No one is able to say when a sufficiently widespread network will be in place to make the purchase of gas-powered cars attractive.
To make matters worse, researcher Cecilia Hammerlund of the Agrifood Economis Centre at southern Sweden's Lund University, has just released a report in which she advises against subsidising biogas. It is 'an expensive way of reducing greenhouse gas emissions', she concludes. She suggests other measures which she considers to be more effective: 'For example, retaining forests and having better controls on farming are cheaper and more effective than attempting to replace fossil fuels with biofuels.'
Fortunately, there is one alternative in the transport sector: the electric car. This is seen by one and all in Sweden as the wave of the future. Vattenfall and the city of Stockholm have just decided to buy a number of electric cars in a public tender. They have asked other parties to join them. Over a hundred companies and institutions have now done so. They plan to buy 14,000 electric cars in the period 2011-2014. Vattenfall has taken it upon itself to develop infrastructure for the cars. How realistic the electric car ambitions of Vattenfall are remains to be seen. Neither of the two political blocs opposes the plan.
In any case, whichever bloc wins the election on Sunday, they will not be voted in on the basis of their energy programs. In fact, energy has not featured very much in the campaigns and debates at all. Employment, education and health care have been more electrifying election topics. Much to the regret of someone like Kjell Jonsson of Swedenergy, who would have liked to see a thorough debate on climate and energy during the election campaign. But perhaps there is too much consensus on this among Swedish politicians, despite their divergence on nuclear power.


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Without a doubt, the eCommerce goes beyond the consumer goods – businesses can surely sell any kinds of products with just a simple site management. Choices to sell on the internet are open from single items to more complicated products (think songs or movies available in MP3, DVD and other formats). In order to entice funds, businesses are searching for new methods and newer products or services.
In the 21st century, it has a lot of feathers on its sleeves and one of which is eCommerce. A lot of businesses that began with just a small idea, have grown into larger companies with the aid of the internet, such as the Amazon. In internet retailing, computer software, hardware as well as book selling are at the top three places among the products that are ranked for online success or among the top dozens. It can be concluded that the internet is an area to locate the real eCommerce champions, in spite of, there are a lot of spammers who tend to create websites in order to fool the innocent visitors.
Assisting in breaking the mess are a couple of international fulfillment solutions that took years to create, develop as well as boast of remarkable in drop shipping system, product management, secure shopping ability and internet marketing management.
Why are international fulfillment solutions required? The eCommerce management solutions have been created taking into account the necessities of businesses that necessitate all the tools as well as capabilities of online sales system incorporated into their website.
CMS: almost all of the websites that run on the content management system which allows instant image and text editing. People and search engines are always hungry for information, they always feed on with new contents. As a result, it is great to upgrade the content of the website from time to time for returning visitors which would result to more conversion. Learn more about ecommerce at https://en.wikipedia.org/wiki/Fulfillment_house/.
Control of inventory: there are times wherein the businesses have a limited supply of stocks while someone would order one of the fast moving items. Even if the client is not aware of the status of the stocks of the items, it is embarrassing for the company if they are not able to ship the order on time. IC feature will save you in such circumstances plus a lot of times, has a suppleness to be incorporated with the site of the manufacturer for an instant order servicing.


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Rumor has it that it is difficult to shed excess weight, however the truth is it is easy if you know what you are carrying out. As with anything else in daily life, you need to have to know what you are doing to get the greatest results when trying to get rid of excess weight. The report underneath has a whole lot of details that can aid you meet up with your objectives.
When considering which weight reduction ideas are crucial to adhere to, make confident you do not overlook a healthier strong breakfast. Consuming a healthy breakfast will control your metabolic rate and avert you from snacking on junk foodstuff all through the day. If you eat breakfast each and every day, your body realizes it can shop significantly less fat. Hence the lbs disappear.
When attempting to drop weight, you might not want to operate out. This is geared toward people who find workout cumbersome or unexciting. Attempt to trick your thoughts by undertaking actions that are fun like driving a bike, likely on a hiking path, or throwing about the soccer as exercise. These will help burn off off the fat and will not feel like perform.
Use reduced calorie variations of your favored foodstuff in purchase to support you shed excess weight. Many times, when someone is making an attempt to lose excess weight, they stop eating the foodstuff they love, and then as soon as a craving hits or they hit the stage of starving, the total diet goes out the window. If you try to eat decrease calorie renditions of your fave meals, you may nonetheless appreciate them but without having the guilt.
Lower down on your caffeine. Research has revealed that caffeine slows down the price at which you burn off stored fat.
As was said in the begining of this report, losing weight is genuinely a make a difference of appropriate education and learning. Being aware of the correct techniques of getting rid of fat is important in decreasing its trouble. Use what you have discovered right here to commence your weight reduction journey.


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USC coach Lane Kiffin said USC missed 23 tackles against UCLA, including 12 against Bruins quarterback Brett Hundley. He said the game's key play was the Bruins converting a third-and-13 situation with 5:40 left and the Trojans trailing 31-28.
"Obviously it was a very discoursing game," Kiffin said. "It was a tough loss for the fans, the players and the staff."
Kiffin said it "makes it easier" that USC plays No. 1 Notre Dame to lift the team's morale. The last time the Irish were top-ranked at the Coliseum was in 1988.


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I currently run Lubuntu inside Virtualbox on top of OSX (an iMac). For my purposes (Linux software development), this works fine.
Recently, I have been considering getting a Win8 Pro box.
If I want to set up the same Linux development environment, should I be using Hyper-V instead?
I have been reading some old posts that I/O performance is much better under Hyper-V (compared to VBox), but I don't know if this is still true - compiling code is basically CPU and I/O bound. I probably will have to end up trying both Hyper-V and VBox, but if anyone has any recent experience here, please share your thoughts.


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When you return a bike to an open dock, make sure you see a GREEN light on the dock – that means your bike is securely locked and your trip has closed. If you did not see a green light, then that means your trip may still be open, and we will continue to charge you for your journey.
How will I be sure my trip is closed every time?
It's a good idea to enable push notifications on the Citi Bike mobile app, so you'll get a confirmation every time you've successfully docked your bike.
If you prefer to receive an email confirmation, you can sign up through your Citi Bike account online – log into your account through the website, scroll down to "Membership status," click on "Manage notifications," check the box next to "Yes, send me an email notification each time I return a bike" and click the "Change" button.
You can also confirm that you've docked your bike and ended your trip by checking your account on the Citi Bike website – when you're logged into your account, click on Account Summary and make sure there's an end date/time under "Last Trip."


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Bathe in a creamy lather while enjoying the calming effects of lavender and the trio of radish, yam bean or the local singkamas and bearberry extract. These ingredients are known to help lighten the skin and minimize pimples and pigmentation.
Ingredients: Water, Sodium Hydroxide, Olive Oil, Palm Oil, Sunflower Oil, Daikon Radish, Yam Bean, Zinc Oxide, Bearberry Extract, Essential Oils, and Sodium Gluconate
Weight: 100g
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