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Iran blasts Britain's 'piracy' after Royal Marines detain oil tanker in Gibraltar
"America & our allies will continue to prevent regimes in Tehran & Damascus from profiting off this illicit trade," Bolton said on Twitter.The drama began when a specialist team from the Royal Marines Maritime Operations Unit swooped on the 330 meter super-tanker as it paused to take on supplies off Gibraltar overnight.
The hidden world of Maritime Security
Piracy has probably existed since man first took to the sea, but it took on new dimensions with the advent of commercial shipping. SOFREP wrote about this very topic recently in Benghazi: The Definitive Report, which includes historical background on America's first war on terror against Barbary pirates off the coast in Libya.
Palace concerned over abduction of 11 Filipinos in West Africa
Presidential Spokesperson Salvador PaneloMANILA -- Malacañang expressed concern over the abduction of 11 Filipinos in West Africa, two of them were kidnapped in Togo and nine in Benin last week."We are concerned about the kidnapping and (Labor) Secretary Bello is handling it," Presidential Spokesperson Salvador Panelo said in a Palace briefing on Tuesday.On Monday…
Namibias Namdock to maintain Angolan Navy vessels
Namibias Namdock has been awarded a contract to repair and maintain Angolan Navy vessels, with the first set to arrive in early 2020.Namdock Commercial and Operations Manager Willie Esterhuyse said that Namdock will initially take two Marinha de Guerra Angolana vessels into its dry docks, but next year the contract could…
Genco Shipping & Trading Limited Announces Third Quarter Financial Results
Initiates a Regular $0.175 Per Share Quarterly Cash Dividend Policy Declares a $0.325 Per Share Special DividendNEW YORK, Nov. 06, 2019 (GLOBE NEWSWIRE) -- Genco Shipping & Trading Limited (GNK) (Genco or the Company), the largest U.S. headquartered drybulk shipowner focused on the transportation of major and minor bulk commodities globally…
From Montenegro to Croatia in the Adriatic Sea
Lovers of the sea have been enchanted by the Adriatic Coast for centuries. Whether it is due to the warm temperatures, striking bright blue colour or the impressive clarity, the waters of the Adriatic Sea are captivating. Although the area is situated away from the main buzz of the Mediterranean, the Med has still influenced the way the Croatians and Montenegrins live.
Shippers' Council Condemns Surcharges On Nigerian-bound Cargoes
The Nigerian Shippers Council (NSC) has kicked against the surcharges placed on Nigerian-bound cargoes by foreign ship owners.LEADERSHIP learnt that Nigeria seaports have the highest shipping freight rates in West and Central African countries.Industry sources said that the high freight rates were fuelled by insecurity…
Iran news: Furious Tehran promises response to cowardly oil tanker strike | World | News
A spokesman for the Iranian government said to the state controlled Islamic Republic News Agency: "Iran is avoiding haste, carefully examining what has happened and probing facts. "An appropriate response will be given to the designers of this cowardly attack, but we will wait until all aspects of the plot are clarified." The tanker Sabiti was hit in Red Sea waters off Saudi Arabia on Friday…
The mystery of the oil tanker that disappeared in the Strait of Hormuz
DUBAI, United Arab Emirates Tracking data shows an oil tanker based in the United Arab Emirates traveling through the Strait of Hormuz drifted off into Iranian waters and stopped transmitting its location more than two days ago, raising concerns Tuesday about its status amid heightened tensions between Iran and the U.S.
China's Investments In Special Forces Are Paying Off In Deadly Ways
Key point: As America relies more heavily on special forces, it is likely China will too.Some special force units get all the attention. Americas Delta Force, Russia's Spetnatz and Britain's SAS have glamorous reputations.When was the last time you heard about China's commandos? But Chinese special forces exist, and they have been growing in size…
Piracy: OMS, Navy Collaborate To Fight Hoodlums On Nigerian Waters Amidst Alleged Opposition By NPA
The Nigerian Navy and Ocean Marine Solutions have strengthened existing ties in the continued fight against piracy and other forms of crimes on Nigerian waters.OMS, which had through its Secure Anchorage Area provided a security platform for ships berthing at the Lagos ports to utilise, had come under scrutiny in recent…
Freight forwarders seek retention of Secure Anchorage Area – Punch Newspapers
Anna Okon The National Association of Government Approved Freight Forwarders has urged the Federal Government to sustain the existence of the Secure Anchorage Area to protect the nations waterways and prevent armed robbery and piracy attacks on vessels visiting Nigeria.Making this call in Lagos on Friday, the President of NAGAFF…
Saudi coast guard says Iranian tanker sent distress call, then went silent
Saudi Arabias coast guard said it received a distress call from an Iranian oil tanker that reportedly came under attack in the Red Sea near Jeddah on Friday, but the vessel had switched off its tracking system when a response was made to its request for assistance.The distress call was sent by email and stated that the front of the tanker…
Video Editing Software Market 2019 Global Technology, Development, Trends and Forecasts To 2025
AMA recently published a detailed study of over 180+ pages in its repository on 'Video Editing Software' market covering interesting aspects of market with supporting development scenario till 2025. The study provides market size break-up by revenue and volume* for emerging countries and important business segments along with commentary on trending factors, growth drivers.
Pin-Point Analysis For Changing Competitive Dynamics – Tech Admirers
ShareShareShareEmailAmphibious Land Craft Market OverviewOperating in land and sea, amphibious land craft occupies a vital role in the naval war and military operations. To defend the coastline and to protect the seaborne trade of the nations, the use of amphibious land crafts has increased rapidly. The land crafts are also used for commercial applications.
Shipowners slam private security firm over safe anchorage
The Nigerian Shipowners Association (NISA) has criticized the imposition of $2,000 safe anchorage fee on foreign vessels calling at the Apapa and Tin can Island Ports in Lagos for provision of security services by private security firm, OMSL. The Nigerian Ports Authority (NPA) had recently said it was taking steps to dismantle…
Royal Navy hails French tenacity in Gulf region
A Royal Navy Commodore has hailed the tenacity of a French frigate that is part of a task force operating out of the volatile Gulf region. Combined Task Force 150 (CTF-150), which is run from Bahrain, is a multinational task group composed of warships from numerous Coalition nations, led by an Anglo-French team and headed…
West Africa seas worlds most dangerous for piracy – IMB
Published November 7, 2019, 8:09 AMBy Roy MabasaEven before the two kidnapping incidents happened in Benin and Togo where at least 11 Filipino seafarers were taken as hostages by pirates, the International Maritime Bureau (IMB) had already declared that the seas around West Africa remain the worlds most dangerous for piracy.(International…
Ardmore Shipping Corporation Announces Financial Results For The Three And Nine Months Ended Septemb
HAMILTON, Bermuda, Nov. 5, 2019 /PRNewswire/ -- Ardmore Shipping Corporation (ASC) ("Ardmore", the "Company" or "we") today announced results for the three and nine months ended September 30, 2019.Highlights and Recent ActivityReported a GAAP net loss (and net loss from continuing operations see Non-GAAP Measures Section) of $5.7 million for the three months ended September 30…
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Determinants of firm success: a resource-based analysis
The resource-based view of the firm (RBV) is one the most important areas of research content to emerge in the field of strategic management in the last 15 years. The RBV is prescriptive. That is, the RBV prescribes that competitive advantage stems from those resources that are valuable, rare, inimitable, and nonsubstitutable (VRIN). With rare exception, resources that meet the VRIN criteria are widely purported to be intangible in nature. From a research perspective, the RBV stream tends to be dominated by conceptual discussions and advancements. However, empirical tests of the core premises, or the main prescription, of the theory are argued to be very limited in quantity. To add to the body of empirical research that seeks to verify the main prescription of the RBV, this research undertakes a new and different level of analysis, one that has not been previously tested. Given that firms compete with both tangible and intangible resources, the present study is interested in determining if, as the RBV implicitly prescribes, resources that are intangible in nature are more important determinants of firm success than tangible resources. Although the research question is basic and fundamental, it has rarely been appropriately or adequately tested within the RBV stream, as is demonstrated by this thesis. To carry out the research, this study offers a conceptual model of the firm's resource pool that includes tangible assets (financial and physical assets), intangible assets (intellectual property assets, organizational assets, reputational assets), and capabilities. A series of hypotheses are posited to explore the proposition that intangible resources contribute more greatly to firm success, on the dimensions of sales turnover, market share, and profitability, than tangible resources.
|Year of publication:
|Galbreath, Jeremy Thomas
Curtin University of Technology, Graduate School of Business.
|hierarchical regression analysis | firm success | resource-based view of the firm | tangible resources | intangible resources | industry structure | discriminant analysis
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|Type of publication:
|Book / Working Paper
|Type of publication (narrower categories):
Persistent link: https://www.econbiz.de/10009435024
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subset: commoncrawl


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Designing for Dementia Publications
Published papers:
'LAUGH: designing to enhance positive emotion for people living with dementia.' (2016) Treadaway, C., Kenning, G., Prytherch, D., & Fennell, J. 10th Design and Emotion Conference, Amsterdam, September 2016
'Avenues, Values, and the Muse: An ethnographic study of creative activity to support the wellbeing of residents living with dementia in residential care.' (2016) Coleman, S., Treadaway, C., & Loudon, G. 10th Design and Emotion Conference, Amsterdam, September 2016
'Designing for wellbeing in late stage dementia.' (2016) Treadaway, C., Fennell, J., Kenning, G., Prytherch, D., & Walters A. Procedings of WELL-BEING 2016: Co-Creating Pathways to Well-Being, The Third International Conference Exploring the Multi-Dimensions of Well-Being, Birmingham City University, 5th- 6th September 2016
'From Product to Process: Reframing design research methods to support well-being in the dementia care environment.' (2016) Coleman, S., Treadaway, C., & Loudon, G. Procedings of WELL-BEING 2016: Co-Creating Pathways to Well-Being, The Third International Conference Exploring the Multi-Dimensions of Well-Being, Birmingham City University, 5th- 6th September 2016
'In the Moment: designing for late stage dementia.' (2016) Treadaway, C., Prytherch, D., Kenning, G. & Fennell, J. in: P. Lloyd & E. Bohemia, eds., Proceedings of DRS2016: Design + Research + Society – Future-Focused Thinking, Volume 4, pp 1442-1457, DOI: 10.21606/drs.2016.107ISSN 2398-3132 Design Research Society Conference 2016, Brighton, June 27-30
'Sensor e-Textiles: person centered co-design for people with late stage dementia.' (2016)Treadaway, C, & Kenning, G. (2016) Working with Older People Journal, Vol. 20 Issue 2 pp. 76 – 85 http://dx.doi.org/10.1108/WWOP-09-2015-0022
'Sensor e-Textiles: Designing for persons with late stage dementia.' Treadaway, C, Kenning, G, & Coleman, S. (2015). Proceedings of the Third European Conference on Design4Health 2015, 13 – 16 July 2015, . Paper presented at the Design4Health European Conference 2015, Sheffield, UK.
'Designing sensory e-textiles for dementia,' Treadaway, C., Kenning, G., Coleman, S. (2015) Proceedings of the The Third International Conference on Design Creativity (3rd ICDC), Indian Institute of Science, Bangalore, India, 12th-14th January 2015 Eds. Chakrabarti, Amaresh; Taura, Toshiharu; Nagai, Yukari ISBN: 978-1-904670-60-5 pp. 235-232
'Designing for positive emotion: ludic artefacts to support wellbeing for people with dementia.' Treadaway, C., Kenning, G., & Coleman, S. (2014) In: Juan Salamanca, Pieter Desmet, Andrés Burbano, et al. (eds) Colors of Care: 9th International Conference on Design and Emotion Bogota, Columbia: Design and Emotion Society; Universidad de Los Andes
Hand i Pockets: Playfulness, fun and dementia. Kenning and Killick, Australian Journal of Dementia Care, Vol 4:2 April 2015
Hand i Pockets: Creativity, playfulness and fun. Kenning, G. and Killick, J., UK Journal of Dementia Care Vol 23:5, September/October 2015.
Conference presentations:
'Playful approaches to designing for dementia 'Art of Good Health and Wellbeing Conference, Melbourne, Australia (November 2014)
'Conversations at the edge of play' Arts Health Institute Conference, Sydney Australia, (November 2014)


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Get On The Path To Weight Loss With These Great Tips
Being closed-minded is a sure way for people to fail. They think that they know the only correct technique. This is never the truth. The tips in this article provide you with the basics that all diets should consider.
Allowing yourself to buy clothes in smaller sizes as your weight decreases can also be a great motivator to continue eating right and exercising. You may have noticed that you and others who are overweight try to hide behind garments that are loose fitting. When they choose to wear more fitted clothes, they become more aware of how they really look and feel.
Eat your food more slowly. As the food digest, people start feeling full. The mind does not realize right away that you are full and your hunger is satisfied. To avoid overeating, eat slowly and put down your eating utensils as you chew and taste each bite. That way, you are not eating extra calories that will make you feel stuffed and derail your weight loss plans.
If you consider losing weight to be your primary goal, your should do more cardiovascular exercises as opposed to weight training. Cardio training will help you lose fat and slim you down and is essential for losing weight. You will want to lift some small weights to get tone. Focus on elevating heart rate rather than trying to build lean muscle mass if you're looking to lose weight.
When trying to shed unwanted pounds, make sure you keep healthy food snacks at home. Try any buy big plastic containers that have lids. Purchase foods like celery, carrots and radishes. Prepare these vegetables and then fill your container with some ice. Once you've done this, you can place these vegetables into your fridge. By doing this, you can have yourself a handy snack ready to grab whenever you have to leave.
So educate yourself on the facts and branch out from there. If you use the same old techniques, you might never lose weight. This article should have given you great advice so you can use it to be sure that you're losing the most weight at the right time.


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 Have you heard of Drivewire.com? They are online since 1999 and they offer an alternative to the high priced dealer as well as providing easy access to hard to find auto accessories at discount prices. They have one of the largest online catalogs in the industry with over 250 manufacturers and 400,000 SKU's.
Drivewire sells OEM replacement Porsche parts and accessories for classic and new Porsche's. You can buy the same parts that are available at the dealer, and you can save up to 50%! So if you are looking for Porsche brakes, a specific Porsche clutch, an exhaust or a power sterring pump, you can find it at Drivewire.com. Most of these genuine factory replacement parts have not been available outside the dealer until now.
There is also a good selection of performance parts to choose from. They are distributor for Eibach, K&N filter, Magnaflow and Escort Radar Detectors. You can also find Centerforce clutches and flywheels, Accel high performance spark plug wires, and even factory size tires.Â
Navigation is easy on the website and lots of information is available for each product. You can find for instance the list price and Drivewire price next to it so you can easily compare. It is a must for all Porsche enthusiasts.
So if you need additional reasons to take a look at all the Porsche parts available, here are some tips:
Drivewire.com is located in Irvine, California, the center of the performance automotive universe. Within 30 miles of our corporate headquarters is the warehouse of virtually every major auto parts and accessories manufacturer in the world. This means if the item is not in stock, they can typically get the item shipped out the next business day.
Drivewire is an authorized provider of virtually all of the products it sells. This means that the factory-authorized product they carry has the full warranty and support of the manufacturer for any product issues.
Drivewire provides free ground shipping on most orders over $50.00, and they ship from multiple warehouses allowing you to receive your order in as little as 24 hours.
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Manufactured Home LevelingThe complexities of World of Warcraft (WoW) simply make the game very formidable to play especially when you are new to it. With the various characters and the specifics ways on how to play them, the powers, weapons and items you have to acquire, and the ever important gold that you have to earn, a player is overwhelmed with the enormous amount of details he has to keep up and keep in mind. It's basically a guide that shows you the fastest possible route to level 80. It goes about this in a number of ways including showing you the best grinding spots and the best order to do quests in. But there's also class specific advice, such as in a mage leveling guide for example you're likely to find a lot of information regarding talent choices.
Just like with a traditional house, however, a mobile home does need some maintenance over time. Laser levels may work but I can't find any info about using them for mobile Mobile Home Leveling home releveling (affiliate links). Mobile home water heaters should be drained every 6 months to a year to remove sediment that collects at the bottom of the tank.
Some of the causes of sinking are rotted wooden members that support the floor, the concrete or stone pier has sunken into soft earth possible from having the soil under the pier being disturbed during excavation and not getting it compacted before placing the pier or there was a shift in the earth below and it cause an area of the house to sink.
Starting at the center, place your level in the center of the beam and check the bubble to see if it's level. Keep the open end of the tube ABOVE the level of the water in the container at all times. Also, these cannot be used in leveling the home. We take pride in making sure that every house we setup is level.
We finish off with a double check then carry on, at the end of the leveling process we conduct a triple check where we go down the length of the home a verify that as we evenly distributed the weight that everything is balanced and sitting true. For example, hoses drip, drainage slopes the wrong way and water gets under your mobile home.
Call Integrity the mobile home leveling company near me if you see any of the following. As time passes and the weather changes, soil can easily shift and create this common issue for your mobile home. 20 years ago, when Smart Leveler's original version was introduced, mobile and manufacturing home building was the first industry to realize the value of our product.
Moisture - one of the biggest problems yet almost no one thinks about it. Due to the large crawl space below a mobile home, there is a good chance that water can collect and not drain from under your unit. Serious structural damage can occur if the home gets too out of level, so it is wise to re-level your mobile home as soon as possible.
Creaks and moans may be heard, cabinet doors, closet doors, and outside doors may not shut properly and you may feel a slight lean in the floor. On the other hand, a triple-wide leveling job can go as high as $1000. Most of the time it is caused by water finding its way underneath the mobile home.
Bad weather, soil movement, and time (your mobile home supports can sink unevenly into the ground) can all cause your mobile home to get a bit off kilter. Place the level on the support beam and watch it as you raise the mobile home. As time marches on and the home becomes older, it is essential to keep up with maintenance, including re-leveling your home.
If the home was not set up correctly, which the majority of them were not, leveling the home up to currently standards and codes will be necessary. In my particular area the cost to level a mobile home starts at around $650. You can get the leveling job of mobile home done by hiring professionals.
We transport and install mini, modular and mobile homes, supply materials for blocking, install tie-downs and anchors, and re-level your home before you get settled. Countertops out of level in your kitchen and bathroom are a good indicator of a mobile home that's out of level.
If they spotted these issues, then they will assume that the foundation has settled so that's the next thing that they'll check. Pacific Mobile Home service has been performing Re-levels for over 35 years throughout San Diego County and with our extensive knowledge with of foundation systems you're sure to get a job well done.


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Envinity is accepted as the first Pennsylvania member of the Amicus Solar Cooperative
Amicus Solar Cooperative was founded in the fall of 2011. A small group of progressive solar professionals decided it was time to form a national organization where independent businesses could support each other by sharing best practices and pooling their buying power. Amicus is a purchasing cooperative that is jointly owned and democratically managed by member companies made up of 50 members, with 44 office locations in 34 states nationwide including Puerto Rico and Canada. Member companies are passing their enhanced purchasing power along to customers by offering best solar pricing on high-quality solar electric system installations.
Envinity is excited to have been accepted as one of the 50 member-owners of Amicus Solar Cooperative. By teaming up with some of the most well respected solar firms from around the country, Envinity has taken another step to offer our clients high quality solar products and service at an affordable price.
Learn more about Amicus Solar Cooperative at amicussolar.com


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75 ways to demystify DB2 #66: Best practices for SSL connection with IBM DB2 JDBC Driver(db2jcc)
Subbu Prabhu 060001JD9S Visits (12143)
As of now, many of our customers are using IBM DB2 JDBC Driver(db2jcc.jar/db2jcc4.jar) to connect to DB2 server and configured SSL & normal database connectivity with end products such as WAS, OPM, Cloud and DataStudio etc. There are also a lot of you who are continuing to use SSL connection of JDBC for accessing your database server. Some of the tips in this blog will help to simplify the SSL connectivity with DB2 server. SSL Simplification: Many of you who prefer to configure the CA certificate instead of self signed certificate. If DB2... [More]
75 ways to demystify DB2 #65: Techtip : Is enableSysplexWLB a JDBC driver-wide (global) property or a connection level property?
MaryKKassey 2700055CKK Visits (12371)
Is enableSysplexWLB (Sysplex Workload balancing JDBC driver property) a data source property or a driver wide (global) property? Answer) enableSysplexWLB is not a driver-wide or a global property, so you cannot set it in the JCC properties file. These are properties starting with "db2.jcc.*" and "db2.jcc.override.*". The "db2.jcc." properties provide a driver wide default value. It is a Data source or connection level property, so it can only be enabled programmatically inside the application via a... [More]
75 ways to demystify DB2: #53: Techtip: How to find DB2 JDBC driver version and relate it to DB2 version?
swatithorve 27000312DB Comments (3) Visits (15654)
Hello! We often get a question from customers "How to find the version of DB2 JDBC driver they are using?" Answer is simple, you need to run below command: The following command will retrieve the JCC driver version if executed from the command line: java com.ibm.db2.jcc.DB2Jcc -version Or for drivers that are not yet installed: java -cp ./db2jcc.jar com.ibm.db2.jcc.DB2Jcc -version For eg. Once you find the DB2 JDBC driver version, next question will be, "What DB2 release it belongs to?" We have... [More]
50 DB2 Nuggets #17 : Tech Tip - IBM Data Server driver for JDBC & SQLJ files.
Subbu Prabhu 060001JD9S Visits (9898)
When you download IBM Data server driver for JDBC and SQLJ, the tar or zip file (For Example, DB2 V10.1 FP3 driver download is v10.5fp3_jdbc_sqlj.tar.gz file) contains following files: db2jcc4.jar db2jcc.jar sqlj4.zip sqlj.zip Wondering which file to use in your application? Let me explain what those files are and you can decide on which file to use for your application. db2jcc4.jar and db2jcc.jar, both of them are DB2 JDBC driver jar files and are Type 4 JDBC drivers. db2jcc.jar includes functions in the JDBC 3.0 and... [More]


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Hand cheese Tatar is one of my favourite recipes! The recipe comes from a book called "Handkäs' Kompositionen" and I can recommend it to anyone who speaks German and loves Hand Cheese.
After trying several times the traditional Hand Cheese with Music one wants to eat Hand Cheese made differently. So why not to mix the other traditional German recipe "Bees Tatar" and replace the main ingredient with hand cheese! What a wonderful idea!
Hand Cheese Tatar is very easy to make and taste really delicious! If you like hand cheese and you want to prepare it in a different way – that is the recipe you should try!
If you would like to see how we have prepared this delicious Frankfurt speciality please check the following video:
And if you are interested in other Hand Cheese recipes you can also see:
Hand Cheese with Music Recipe and Hand Cheese with Cranberries and Horseradish Recipe.
Hand Cheese Tatar Spread
- 1 handcheese 65g
- 15 g butter
- 0,25 onion white, chopped
- 0,25 tbsp mustard
- 0,25 tbsp lemon juice fresh
- 0,25 tsp paprika powder
- 1 tbsp cream


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Tales 'n' Tunes
Location: Streetsville
More Information: Tales 'n' Tunes
Thu, Feb 20 2:45pm - 3:15pm
At this busy and active circle time program, children ages 0-6 and adults enjoy interactive songs and rhymes. Infants, toddlers, preschoolers, and their parents/caregivers are welcome! Every Tuesday and Thursday at our Streetsville EarlyON in Mississauga.


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The Honorable Mike Crapo The Honorable Sherrod Brown
Chairman Ranking Member
Committee on Banking, Housing, Committee on Banking, Housing,
and Urban Affairs and Urban Affairs
United States Senate United States Senate
Washington D.C. 20510 Washington D.C. 20510
Dear Chairman Crapo and Ranking Member Brown:
On behalf of community banks across the country, with more than 50,000 locations, I write to call your attention to an emerging trend in the financial services industry: A surge in tax-exempt credit union purchases of tax-paying community banks accelerating the broader trend of industry consolidation.
Given this disturbing development, we request that you convene a hearing at the earliest opportunity and exercise the Banking Committee's oversight authority over the industry and its regulator, the National Credit Union Administration (NCUA).
It would be important for the hearing to examine the causes of the credit union-bank acquisition trend and its potential to reshape the American financial services landscape. Any hearing should also explore appropriate legislative and regulatory responses. Below we provide background to support this hearing request.
A Generous Tax Subsidy and Decades of Permissive Regulation and Lax Oversight Have Spurred Aggressive Credit Union Industry Growth
The credit union-bank acquisition trend – while new and potentially game changing – is best understood as the culmination of a long-term transformation of the credit union industry. In the years immediately following enactment of the Federal Credit Union Act in 1934, the credit union industry stayed true to its tax-exempt purpose of serving individuals and families of modest means with a common bond among them.
The era of rapid growth and charter expansion began with the creation of the NCUA in 1970. The NCUA's permissive regulation and supervision – consistently flouting the statutory limits of the Federal Credit Union Act – is largely responsible for the rapid growth of credit unions and their tax subsidy.
Restrictions on field of membership have all but dissolved, while limits on commercial lending have been drastically weakened. On January 23, the NCUA issued a proposed to allow credit unions to raise supplemental capital.
Supplemental capital would be a tool for outside investments in credit unions, undermining their status as member-owned cooperatives, a long-standing justification for their tax exemption. If the proposal becomes final, it is likely that mega-credit unions will use outside, private capital as a war chest to fund bank acquisitions.
Consider, taking just a recent example, Pentagon Federal Credit Union's partnership with Goldman Sachs to fund the second phase of the District of Columbia Wharf's million dollar plus residences, hotels and marina with a nearly $1 billion loan – the biggest construction loan in D.C. history. It is impossible to ignore just how far credit unions have strayed from their duty to serve people of modest means.
Today's Credit Unions: Unrestrained, Growth-Obsessed, and Mega-Sized
In the last five years alone, the total assets of federally insured credit unions have grown by more than $430 billion and membership has grown by more than 20 million, while the total number of credit unions has declined by over 1,000.
Today there are over 300 credit unions with assets of more than $1 billion and ten credit unions with assets of more than $10 billion, the largest of which has more than $100 billion in assets, dwarfing the size of the community banks with which they compete. The largest credit unions are experiencing the fastest growth.
The nation's largest credit union, Navy Federal in Vienna, Va., increased its assets by 102 percent between 2012 and 2019. What's more, credit unions with more than $1 billion in assets account for the largest share of the tax subsidy, over 75 percent.
Bank Acquisitions Are the Next Phase of the Industry's Aggressive Growth
For decades, credit unions have used their tax subsidy and a permissive regulatory environment to expand their market share. What's happening today – credit union "weaponization" of their tax subsidy and lax regulatory environment to purchase whole community banks – is an order of magnitude more significant and warrants Congressional scrutiny.
These deals transform taxable business activity at community banks into tax-exempt activity at credit unions, thereby shrinking the tax base, not only at the federal level but at the state and local level as well.
The trend has sharply increased in recent years. Before 2012, credit union acquisitions of banks or bank assets were limited to one or two a year. They have steadily ramped up since then, accelerating rapidly in 2018, which saw 13 acquisitions, and in 2019, which saw 21, more than four times as many as occurred just five years ago.
Already in 2020, the $8.1 billion Alaska Federal Credit Union, headquartered in Anchorage, announced a deal to purchase seven Phoenix-area bank branches and deposits from TCF Financial in Detroit. Alaska Federal Credit Union, which operates in four states, is typical of an acquiring credit union both in its multi-billion-dollar balance sheet and in crossing state lines to make an acquisition.
The acquisition targets have also grown larger. In June 2019, $3.6 billion MidFlorida Credit Union announced the acquisition of Ocala Community Bank & Trust of Florida, a $730 million community bank.
At the time, the size of the target bank dwarfed any previous acquisition, which typically involved a community bank with assets of $200 million or less. Yet, in December 2019, a still larger deal was announced. Suncoast Credit Union of Tampa, a $10.4 billion institution, announced the purchase of Apollo Bank, a $747 million asset bank in Miami. The trend suggests that it will not be long before we see the first credit union acquisition of a bank with assets of $1 billion or more.
These deals have received significant media attention and public interest. Prominent examples include a September Wall Street Journal article headlined, "Credit Unions Go on Bank Buying Spree," and the December American Banker article, "Credit Unions' Bank Buyout Spree Snags Biggest Fish Yet." [1]
All indications are that the credit union-bank acquisition trajectory will continue – unless Congress exercises needed regulatory oversight. On January 23, in response to pressure created by rising media and congressional scrutiny, the NCUA issued a proposed rule governing credit union-bank acquisitions.
Our initial review of the rule finds it inadequate in its effort to erect needed guardrails to govern these transactions. We urge the Banking Committee's support in ensuring the NCUA significantly strengthens the proposal.
The Impact of Credit Union-Bank Acquisitions
Acquisitions fail to extend access to banking services
ICBA believes credit union-bank acquisitions are a perversion of congressional intent in the creation of the federal tax exemption more than 70 years ago.
The purpose of the tax exemption was to create access to affordable, basic banking services for people of modest means who would otherwise lack it. Bank customers, by definition, already have access to banking services, nor are they better off as customers of an acquiring credit union.
In fact, a recent study found that credit union service fee income has surged in recent years and now stands at 132 percent of its 2008 level. Compare this to bank service fee income, which has dropped to just 84 percent of its 2008 level.
Using the generous tax exemption to shift consumers from banks to credit unions serves no public purpose; it merely displaces existing services provided by tax-paying banks. This is not a free-market transaction: The purchasing credit union is using tax-subsidized earnings to acquire a tax-paying business.
The tax subsidy is promoting harmful consolidation
The purchase of community banks by multi-billion credit unions is a policy concern for the same reason that all financial industry consolidation is a concern: Larger, out-of-market institutions –be they banks or credit unions – displace locally based community banks.
A market dominated by large institutions is less competitive, creates systemic risk, and will result in fewer choices for consumers and small businesses and ultimately less favorable rates and pricing. Institution size should be dictated by the marketplace and economies of scale, not by regulatory compliance burden, nor by a distorted tax code that favors one type of financial institution over another and promotes growth-obsessed credit unions.
A less tangible but no less real consideration is this: Consolidation alters the character of our financial services sector for the worse. What sets community banks apart from other institutions is their firsthand knowledge of their communities and their offer of personalized services and customized products.
Something irreplaceable is lost when a community bank that has been rooted in its community for generations is purchased by an out-of-market mega-credit union.
Acquisitions reduce scarce tax revenues at all levels of government
The cost of the credit union tax exemption has grown steadily as credit unions have become larger, grown their market share, and displaced tax-paying banks.
That cost now stands at $2 billion annually and is projected to grow, according to the Joint Committee on Taxation. However, when a credit union purchases a bank it removes a taxpayer wholesale from the revenue stream.
Over time, this will significantly increase revenue losses, not only for the federal government but for state and local governments that depend on these revenues to fund essential services from teachers to fire fighters and police officers.
Community banks support their local communities and their federal government with tax dollars. Credit unions do not. As noted above, the largest six percent of all credit unions (those with assets greater than $1 billion) as responsible for 75 percent of the revenue deficit. Their expansion should be held in check, or their tax status should be altered.
Legislative and regulatory solutions
Finally, we urge you to use a committee hearing and your jurisdiction over the Federal Credit Union Act and the NCUA to explore available options for curbing the credit union-bank acquisition trend.
These options include requiring the NCUA to create more rigorous standards for the approval of acquisitions. In addition, current NCUA rules impose numerous and daunting hurdles that make it nearly impossible for a bank to buy a credit union or for a credit union to convert to a bank.
This explains why there have been so few of these transactions in recent decades. Congress should ensure that it is no more difficult for a bank to acquire a credit union than for a credit union to buy a bank. A level playing field in this regard would go a long way toward addressing the concerns outlined in this letter.
To conclude, the American financial services landscape is shifting rapidly and irreversibly as a result of credit union-bank acquisitions. This is a matter of significant public concern and Congress should exercise its oversight authority to examine this troubling distortion. We urge you to convene a comprehensive hearing to examine the causes and the impact of this dangerous trend and to explore potential solutions.
Thank you for your consideration.
Rebeca Romero Rainey
President & CEO
CC: Members of the Senate Banking Committee
[1] Clozel, Lolita. "Credit Unions Go On Bank Buying Spree." Wall Street Journal, September 3, 2019. https://www.wsj.com/articles/credit-unions-go-on-bank-buying-spree-11567515601?mod=searchresults&page=1&pos=3 McCarthy, Ken. "Credit unions' bank buyout spree snags biggest fish yet." American Banker, December 3, 2019. https://www.americanbanker.com/news/credit-unions-bank-buyout-spree-snags-biggest-fish-yet


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Carl Nordquist: Is 2A result of shortage of funds or misguided priorities?
Regarding the proposed new city property tax 2A for fire and emergency services, I assume our city leaders would consider fire and emergency services a very high priority when budgeting for city services. Probably number one.
If the items covered in 2A were properly prioritized at the top of the city's budget, there would be item(s) presently at the bottom that would drop out. With appropriate prioritization, it is these dropped items that are really initiating a new city property tax. It would be interesting to know what these items are.
Is the problem a shortage of funds or misguided priorities. Or what am I missing?
Carl Nordquist
Steamboat Springs
Start a dialogue, stay on topic and be civil.
If you don't follow the rules, your comment may be deleted.


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Hello Holidays! 🎉🎉🎉Buy Two 9″ inches Pizza (Pepperoni and Cheese) with 2 French Fries and 2 16oz Pepsi Drink for only Php399🍕 🍕
Save 111!
Available from November 4-30, 2019.
Level up the excitement 2X this coming holiday season and celebrate with a friend!
Per DTI Fair Trade Permit no. FTEB 20399, Series of 2019. ❄❄❄


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Lydia Courteille is delighted to invite you at
VICENZAORO Show 2019
7 - 11 September
Hall 7 stand 271
You are very welcome to enjoy the most undressed collection …
La Vie en Rose
and other exeptional & extremely rare jewels.
Scandal on Place Vendôme - the most undressed collection ...
The best Jewellized ... by Lydia Courteille
Tribute to Paris - the capital of Glamor and Amour. Parisian women are known around the world for sex-appeal that is not without romanticism.
La Vie en Rose ... The cont...
Lydia Courteille is delighted to annonce Antique and High-jewelry collections TRUNKSHOW at MAXFIELD, Los Angeles. Lydia personally will waiting for you on 7 - 8 of June at 8825 Melrose Avenue, Los Angeles, CA, 90069 . See you in LA!
Two floral rings by Lydia Courteille will be on sale at Sotheby's after the exhibition from 3-24 May in New York. Curated by British Vogue's Carol Walton and Sotheby's Frank Everett this selling exhibition will trace the evolutionof the flower as a design motif in jewellery from the 19th century t...
We are inviting you to celebrate first edition of PAD Monaco with Lydia Courteille and Objet d'Emotion in Monte-Carlo!


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Five new bishops were ordained by the National Administrative Commission of the Chinese Catholic Church and the Chinese Catholic Bishops College.
Short Summary
L/V bishops towards camera up steps
7 ft
S/V and rear view of bishops at altar (2 shots)
14 ft
G/V two bishops kneeling before Archbishop
16 ft
G/V clergyman in attendance
20 ft
S/CU Archbishop placing Bible across shoulders of kneeling bishops
23 ft
S/V fire kneeling bishops being blessed
29 ft
L/V Archbishop blessing five new bishops and assembled clergy
35 ft
Script is copyright Reuters Limited. All rights reserved
Background: Five new bishops were ordained by the National Administrative Commission of the Chinese Catholic Church and the Chinese Catholic Bishops College. The ceremony was held on July 24th in the Cathedral of St Mary of the Immaculate Conception in the southwest part of Peking.
The five are Paul Xu Zhenjiang of the Shenyang Diocese in Liaoning province, Joseph Qian Huimin of the Nanjing Diocese in Jiangsu province, Mathias Ma Longlin of the Suzhou Diocese in Jiangsu province, Augustin Zhao Jingnong of the Tianshui Diocese in Gansu province, and Laurence Zhang Wenbin of the Dali Diocese in Shanxi province.
They were each elected by their representative clergy and congregations through secret ballot.
Mass was held after the consecration.
- Film ID:
- Media URN:
- Group:
- Reuters - Source to be Verified
- Archive:
- Reuters
- Issue Date:
- 24/07/1981
- Sound:
- Unknown
- HD Format:
- Available on request


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Articles & Resources From Combustion Controls
Solutions & Environmental Services, Inc.
The purchase of a used thermal oxidizer gives operators looking to expand their air pollution controls a great option for long-term value and cost savings. By lowering the upfront capital expense, ownership and plant managers can account for the investment in these thermal oxidizer products and their lower operating costs, even during harsh economic conditions. However, navigating the specifics of the secondary market for a used thermal oxidizer can prove challenging to even the most technically educated operator.
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CCS&ES provides a complete operational history, including the original date of purchase and hours of operation, for each used thermal oxidizer sold. Complete documentation of mechanical and electrical specifications is also available. Each certified pre-owned thermal oxidizer system is sold with a standard 5-year warranty, with the opportunity to purchase a warranty extension available. Consultation, engineering and installation services for custom implementation of a used thermal oxidizer are also available.
Contact the experts at CCS&ES today for complete information on the value and reliability available in a used thermal oxidizer.


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Family to Family Class is a free 12-week class for family and friends of a loved one with a mental illness or signs and symptoms of one. This course provides education and support to cope more effectively.…Details
· PO Box 787, Poughkeepsie, NY, 12602 · Map
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|Download White Paper
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Are you prepared for your next tower light failure?If you don't have adequate monitoring equipment deployed at your remote tower sites, the answer is probably an unfortunate "No".
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Boy Smells
Hand poured in Los Angeles, Boy Smells candles are a proprietary blend of beeswax and coconut oil; beautiful and rich–burning. Each scent has notes plucked from a personal catalog of olfactory memories. Both familiar and unexpected.
In stock
The Rosalita Candle by Boy Smells is part of the Love Collection. Sweet little rose petals are subverted with notes of Spanish saffron and saddle leather both daring and alluring for a floral scent. Notes of cassis and amber round out the addictive quality. With nods to rose macarons, this scent is a pleasure chest and future classic.
Food-grade dyed coconut and beeswax blend with braided cotton wick, in clear rose glass tumbler with pink label. Comes in embossed matte rose and white candy-striped carton with pink labels.
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Construction Workers and Asbestos Exposure
Skilled tradespeople and their labor force built every facility and support system across America. Ordinary construction workers utilized a broad range of materials on the job. For over seven decades, many of these building materials contained a lethal substance called asbestos.
Asbestos was a staple ingredient in hundreds of building products from the 1920s to the 1980s. This was before the extreme hazards of asbestos became widely known, and conclusive proof revealed that long-term asbestos exposure was the sole cause of mesothelioma.
Virtually every home, office building, and factory in America once contained asbestos. Many of them still do. However, most asbestos-based products were phased out in the late 20th century.
How Construction Workers Were Exposed to Asbestos
Construction workers cut, drilled, sanded, and shaped several asbestos-based building products before installing them in their final state. Once installed, most materials containing asbestos were stable and safe.
However, handling asbestos causes tiny fibers to detach and become airborne.
Construction workers were constantly exposed to raw asbestos and dust from asbestos workings.
Construction workers also cross-contaminated people and places outside of their workspace. Asbestos from construction sites settled on workers' clothes, tools, and vehicles. As a result, families were exposed to asbestos while doing laundry or traveling in contaminated cars.
Even office personnel were at risk of secondhand asbestos exposure when construction workers wearing contaminated clothing dropped by for business.
Some construction workers were consistently exposed to a working environment with high concentrations of airborne asbestos. Whether or not workers were personally installing asbestos materials didn't matter.
Anyone working with asbestos on a job site could expose construction personnel to the hazardous fibers. This exposure rate was particularly severe on renovation and demolition jobs.


text: To keep slugs and snails away from newly planted seedlings, just make a small flat container out of tin foil and put 3 or 4 slices of cucumber on it. The cucumber and tin foil together seem to give off an unnoticed smell that slugs and snails don't like. I put a couple of little holes in the bottom so they didn't collect rainwater. We have a raised garden about 2 1/2 x 3 meters and I used 3 small containers about 12 x 9cm approx.


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Community Service @ the Library
Check out the community service opportunities for high school students at the East Hampton Library!
Every Monday – Study Buddies – 3:30-5:30pm Help kids in grades K-5 with their homework!
Every Wednesday – Knit Lit – 3:30-5:00pm Learn how to knit, talk about lit! Knitted items will be donated to local charities.
Every Saturday – Teen Tech Time – 10:00am-12:00pm Help tech-averse adults with their tablets, phones, social media, & other technology questions!
Every Sunday – YA Room Community Service – 4:00-5:00pm Create & maintain your Young Adult space!
1st Sunday of the month – Teen Advisory Board – 4:00-5:00pm Advise the YA librarians! Brainstorm, plan, and publicize YA programs, services, and materials for high school students in the library.
2nd Sunday- Help Design a YA Book Display
3rd Sunday – Design a DIY Project in the YA Room (supplies are provided)
4th Sunday – YA Room Clean-up (straighten YA book shelves, clean surfaces & dust the "trees"!)


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Hafeez mulls retirement over 'discriminatory treatment'
KARACHI: A day after being demoted from category 'A' to 'B' in Pakistan Cricket Board (PCB)'s list of centrally contracted players, veteran Test cricketer Mohammad Hafeez is reportedly considering retirement from international cricket, DawnNewsTV reported.
Hafeez, 37, had been a perennial recipient of PCB's top category contract, but that changed on Monday when his place in the highly exclusive group of six was given to rising star Babar Azam.
That hasn't gone down well with Hafeez, who, according to sources close to him, is now disillusioned due to "discriminatory treatment" and, as a result, "cannot continue to keep on playing.
"Mohammad Hafeez will not sign the central contract."
Right-handed batsman Hafeez, who has captured 136 ODI, 52 Test and 51 T20 International wickets bowling off-spin while he was reported for illegal action several times during his international career that started back in 2003, has featured in 50 Tests, 200 ODIs and 83 T20 Internationals. He has scored 3,452 runs in Tests and 6,107 runs in ODIs. Known for his all-round capabilities, Hafeez over the years has won a number of matches for Pakistan.
Perhaps to add credence to the "discriminatory" argument, the source recalled that coach Mickey Arthur had dropped Hafeez in the first four matches of last month's ODI series against Zimbabwe.
"Hafeez had then refused to play the fifth match in protest," the source added.
Published in Dawn, August 8th, 2018


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- Titanium Alloys
Titanium Alloys
Metallurgists have developed an impressive variety of useful metal alloys for manufacturing purposes. The combination of a metal and one or more other elements creates a metal alloy. Frequently, alloys combine a large quantity of a less expensive base metal, such as iron, with a more costly metal, such as gold or titanium.
About Titanium Alloys
Titanium occurs widely in nature in combination with other materials. In its purified form, titanium forms a metal. It displays two distinct possible crystallographic structures as a solid: an "alpha" hexagonal structure and a "beta" cubic structure. Metallurgists have identified three broad types of Titanium alloys based on the crystallographic form of the titanium used in the alloy. These metals differ somewhat in the physical properties they display.
Alpha and Near-Alpha Alloys: These alloys will generally weld well, but they are not heat treatable. They resist cold temperatures well, supply generally good ductility and offer low to medium levels of strength. Very high alpha or near-alpha alloys may resist oxidation.
Beta and Near-Beta Alloys: These readily heat treatable titanium alloys will also weld. They supply high strength within specified temperature ranges.
Combinations of Alpha and Beta Alloys: These alloys combine features of the other two types. Some display heat treatable properties and will weld. They offer medium to high levels of strength, but usually require hot (as opposed to cold) forming.
The Grades of Titanium Alloys
Both a private voluntary industry association called the American Society for Testing Materials (the "ASTM") and the American Society of Mechanical Engineers (the ASME") have issued guidelines for grading titanium. Many international companies have adopted these standards. Some 39 broad grades of titanium occur widely in the commercial marketplace; the grade number helps manufacturers identify the percentage composition of different alloys. For example, a "Grade 5" titanium alloy would include 6% aluminum and 4% vanadium.
Some manufacturers may also utilize other specifications. The Unified Numbering System (widely used in North America), the standards promulgated by the International Organization for Standardization (the ISO), and the EN Standards (used in the European Union) may address titanium alloys for specific purposes.
Properties And Applications
Although a few decades ago titanium alloys found utility mainly for military applications, today several other economic sectors also employ products containing these metals. Both the properties and applications of titanium alloys have helped create a high demand within some industries. However, price factors still limit the availability of some titanium alloy products:
Purified titanium forms a hard, lustrous silvery metal. Although it possesses impressive tensile strength, the element titanium displays considerably less density than steel (a cubic centimeter of titanium weighs only 4.5 grams). It also resists corrosion by salt water. Nonmagnetic and reportedly non-allergenic, titanium provides a low modulus of elasticity despite its high tensile strength. However, its high melting point of 3,038 degrees Fahrenheit for many years created challenges for manufacturers attempting to utilize Titanium as an alloy in commercial settings.
Today, titanium enjoys widespread use within the aerospace and aviation industries, as well as the defense industry. Its light weight and high strength within certain temperature ranges makes titanium well suited for a variety of aircraft parts. Additionally, titanium will resist corrosion from sea water better than many other materials, so alloys containing this metal have gained widespread use in power plant condensers and desalination plant facilities.
Although titanium products usually still command high prices, the metal titanium has found applications within the biomedical field for use in surgical and dental implants. Some luxury car makers reportedly employ titanium alloys in their vehicles, and consumers recently have begun using golf clubs, watches and jewelry with durable titanium alloy components. In the future, manufacturers will likely continue to discover new uses for titanium alloys.
Advantages of Titanium Alloys
Titanium alloys offer numerous advantages. First, they resist saltwater and chlorine corrosion well. Second, they offer lightweight strength within specified temperature ranges. Third, many titanium alloy products withstand cold temperatures. Fourth, these metals supply an attractive silvery surface finish. Finally, some titanium alloys retain shapes reliably.
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March 9 (Reuters) - Four major North American professional sports leagues said on Monday they were temporarily restricting locker room access to players and "essential staff" amid the global coronavirus outbreak that has affected sporting events internationally.
The Major League Baseball, Major League Soccer, National Basketball Association, and National Hockey League issued a statement citing "consultation with infectious disease and public health experts" in making the decision.
"Given the issues that can be associated with close contact in pre- and post-game settings, all team locker rooms and clubhouses will be open only to players and essential employees of teams and team facilities until further notice," they said.
"Media access will be maintained in designated locations outside of the locker room and clubhouse setting.
"These temporary changes will be effective beginning with tomorrow's (Tuesday's) games and practices."
The National Football League, whose season ended with last month's Super Bowl, was not included in the statement.
Media are regular fixtures in U.S. professional sports locker rooms, where athletes frequently speak with reporters.
Concern over the recent coronavirus outbreak has impacted daily life for millions of people across the globe and disrupted major international sporting events. (Reporting by Amy Tennery; Editing by Ken Ferris)


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Apr 29, 2019. If it doesn't, acid from the stomach can move up into the esophagus, causing. reflux often happens while exercising on an empty stomach.
Two hot-button topics in health these days are acid reflux and probiotics. The good news is the two can work hand-in-hand with probiotics providing a simple, non-prescription way to manage acid reflux.
Doctors can use various techniques for this procedure. is scarring of the esophagus from reflux of stomach acid occurring in patients with heartburn. An empty stomach allows for the best and safest examination, so you should have.
Technically called GERD, acid reflux is the presence of acidic stomach contents in the esophagus. The acid irritates the esophagus causing heartburn symptoms. The regurgitation or reflux can vary greatly as can the symptoms. Blocking stomach acid with medications can alleviate the burning but medication cannot stop the reflux. Complicated GERD.
Sep 30, 2015. On an empty stomach, gastric fluid acidity ranges from that of battery acid to lemon juice. go awry, stomach lining damage and ulceration can occur. Symptoms include internal bleeding, indigestion, nausea, vomiting and weight loss. Food does reduce stomach acid, from around battery acid levels to.
Reflux Backflow of stomach fluids which contain acid and enzymes. Gastro- Esophageal. Reflux laryngitis can present in different ways. Acute: A relatively short.
Many people experience stomach pain at night, and digestive problems are often responsible. Acid reflux, irritable bowel syndrome, gallstones, and other conditions affecting the throat, gut, or.
Feb 24, 2016. Empty. Print. Details: Disorders of the Stomach: Last Updated: 24 February 2016. irritable bowel syndrome (IBS), gastroesophageal reflux disease (GERD), functional abdominal. Functional dyspepsia can be divided into three categories:. In general, dyspepsia occurs in approximately 1 out of 4 adults.
** What To Do For Acid Reflex ** What Is Acid Reflux Disease And What Causes It How To Control Stomach Acid What To Do For Acid Reflex Cure Gerd with Persistent Acid Reflux and Best Foods For Reflux think about dropping harmful habits pertaining to instance smoking and drinking liquor.
You may be wondering how your acid reflux can make you nauseated. Several factors are responsible. Many of them relate to how acid reflux happens.
When acid from the stomach leaks up into the gullet (oesophagus), the condition is known as acid reflux. This may cause heartburn and other symptoms.
Nov 1, 2018. Antacids help to treat heartburn (indigestion). They work by neutralizing the stomach acid that causes heartburn. You can buy many antacids.
Mar 24, 2016. Most cases of oesophagitis are due to reflux of stomach acid which irritates. Some uncommon symptoms: these may occur and if they do, can. A common initial plan is to take a full-dose course of a PPI for a month or so.
Diet, home remedies, medications, and lifestyle changes to treat acid reflux, heartburn, and reflux laryngitis. Avoid large meals at dinner. Avoid eating before bedtime, and allow several hours after eating before lying down to allow the stomach to empty.
Common symptoms include acidic indigestion, reflux, heartburn, chronic cough, In many countries, until the summer of 2014 only anti-acid medication was offered. More of the above symptoms start to occur and create problems more frequently. This leads to the condition where the stomach can randomly slide up and.
Dec 19, 2017. If you drink coffee on an empty stomach too often, the hydrochloric acid your body produces will damage your stomach lining. That goes for.
Gastroesophageal reflux occurs when the LES is weak or relaxes inappropriately. The retained or displaced stomach contents can then easily reflux back into the. reflux by allowing the acid to decrease and the stomach to partially empty.
It is caused by acid reflux, which occurs when the ring of muscle that allows. after eating, because lying down with a full stomach makes stomach contents. Gingerroot can help ease up a number of stomach woes, from nausea to acid reflux.
Symptoms. Bile reflux can be difficult to distinguish from gastric acid reflux. The signs and symptoms are similar, and the two conditions may occur at the same time.
Aug 20, 2018. Acidity occurs when there is excess secretion of acids in the gastric glands of the. can be caused due to a long gap between meals, empty stomach or. Very often, your acid reflux is in fact the result of too little stomach acid.
Information on gastroesophageal reflux disease (GERD). Treating heartburn related to gastroesophageal reflux disease.
Jul 30, 2011. This happens if the sphincter (valve) at the top of your stomach doesn't. If the mucous layer is damaged, your stomach acid can irritate the.
Gastro oesophageal reflux disease (GORD) is an uncomfortable reflux condition caused by return of stomach acid into the oesophagus. consumed on an empty stomach, and the effect on reflux is smaller than that observed following. eating habits, including coffee consumption, does not affect symptoms of acid reflux14.
Chewing Ginger Acid Reflux Aug 20, 2015. If you have gastroesophageal reflux disease (GERD), how you eat is. heartburn)—by steeping ginger in hot water to make tea, chewing a. If you experience acid reflux
Acid Reflux Diet Yogurt Feb 28, 2017. Click to learn how an acid reflux diet can help symptoms. Kefir and yogurt help balance healthy bacteria in the stomach, aiding in digestion. Go with plant-based
Remedy Acid Indigestion Home Remedies Indigestion Indigestion or dyspepsia is an uncomfortable feeling in the chest caused by excess acid in the stomach. Oftentimes, indigestion, also known as heartburn and dyspepsia, is caused
** What Helps Stomach Acid ** Acid Reflux Remedies At Home Acid Reflux Into Lungs What Helps Stomach Acid Natural Acid Relief with Something In My Throat and Treating Reflux think about dropping harmful habits pertaining to instance smoking and drinking liquor.
Gastroesophageal reflux disease, commonly referred to as GERD or acid reflux, is a condition in which the liquid content of the stomach regurgitates (backs up or refluxes) into the esophagus.
Fasting tips for those with gastritis and peptic ulcer – Nutrition | The. – Jul 10, 2013. It can increase the risk of ulcers, especially in the stomach. It is also common to have acid reflux in association with these conditions. Drink a full glass of fresh milk during suhur as this will help those with gastritis and PUD.
Increased thick secretions can occur from low humidity in the winter, a decrease in. Swallowing problems or acid reflux can give patients similar symptoms of. your stomach, stop acid production, or help the muscles that empty your stomach.


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If you have cable or satellite TV, try this. Turn it on and start flipping through the channels. Chances are it won't be long before you land on a program that deals with crime and/or the justice system. From dramedies like Boston Legal and Ally McBeal to riveting true-crime documentaries such as The Staircase and Making a Murderer, to old standbys like Dateline, 48 Hours Mystery, and the many incarnations of Law & Order, it's plain to see that we love watching shows that explore the law.
An entire generation of Americans can recite the Miranda warning word-for-word from memory. We all know that detectives will set their sights on a murder victim's spouse as the most likely suspect. And once-obscure terms and concepts, like a Brady violation or an Alford plea, are now household phrases. Criminal law is chock-full of interesting stories and compelling drama, but what about civil law? Have you ever wondered about how personal injury law plays out in a boardroom or courtroom? If so, read on for a quick primer on all things personal injury related.
What's the Difference Between Personal Injury Law and Criminal Law?
Also known as tort law, personal injury law concerns itself with civil, rather than criminal, violations. In criminal cases, the plaintiff is always "the state" — in other words, the governmental entity whose laws have been broken. In civil cases, one party — an individual or group of people — brings a lawsuit against another party — an individual, a group, a company, or a government agency.
Another of the major distinctions between civil and criminal law is that the purpose of a criminal charge is to punish the wrongdoer. In civil cases, the plaintiff is seeking damages, or compensation. It is entirely possible for someone who has been accused of a crime by the state to also face a civil suit brought by a victim or victim's family.
The Different Types of Personal Injury Law
Many of the most common types of personal injury have to do with accidents. There are others, as well. The following are some of the most common branches of personal injury law:
- Car, truck, or motorcycle accidents
- Pedestrian and bicycle accidents
- Slip, trip, and fall accidents
- Medical malpractice
- Defective products
- Animal attacks
- Wrongful death
Each of these has its own legal precedents, and most personal injury lawyers will specialize in one of them. As you can imagine, motorcycle accidents are very different from medical malpractice or dog bites and must be handled differently.
Even within one of these areas, case law can vary widely. The Barnes Firm, for example, has dedicated Oakland car accident lawyers, motorcycle accident lawyers, and tractor-trailer accident lawyers, in addition to others, on staff. This is true of all major personal injury law firms.
Where Does Negligence Come In?
With the exception of intentional torts, such as slander, fraud, assault, false imprisonment, and intentional infliction of emotional distress, all types of personal injury law have one factor in common: they stem from negligence. In legal terms, negligence occurs when one party has a duty of care but fails to observe or perform that duty. The law stipulates that all people (and other entities, such as companies, institutions, and governments) have a legal obligation to act with a reasonable amount of care and prudence in the course of committing actions that may be harmful to others.
For example, a surgeon has a legal duty to not kill the person on her operating table. A dog owner has the obligation to prevent the dog from attacking and biting passersby. A retail store is obliged to keep its floors clean so that no one slips on a wet surface, falls, and injures themselves.
There are four elements that must be proven in order to establish negligence:
- Duty. The defendant owed a legal duty under the circumstances to the plaintiff;
- Breach of Duty. The defendant acted (or failed to act) in a way that breached his or her duty;
- Causation. This action or inaction caused the injury in question;
- Damages. Finally, the plaintiff has to have suffered harm or injury as a result of the first three elements.
If one or more of these elements cannot be proven, there is no legal negligence at play.
The Odds of a Tort Case Going to Trial
The vast majority of tort actions will never see the inside of a courtroom. It is almost always easier, faster, and less expensive for all parties to settle out of court — although that's not to say that negotiating such a settlement is a quick or painless process. In fact, torts can stretch on for years.
If, after extensive negotiation on both sides of the dilemma, the parties are unable or unwilling to agree on the terms of a settlement, then the case will go to a court of law. This happens in less than 5% of instances, however.
Concluding Remarks
Tort law is an incredibly complex aspect of the judicial system. If an individual feels that he or she is entitled to receive damages, it's in his or her best interest to hire the most experienced attorney available, as well as one who specializes in the particular type of personal injury in question.


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Shop small & safe with us during Covid-19. Stock up on all your luxuries with 20% off sitewide, now through April 30th on all in stock merchandise. Coupon code : ShopSafe
Mention shopSafe in store to receive offer. Excludes Abyss, Habidecor & Matouk. Cannot be combined with any other discount or applied to any previous purchase. Questions call 910.692.2744.
Luxury Home Floral Designs for Discriminate Tastes
Only the finest silk florals designs by Diane James and NDI.
Home Accessories - Natural Decorations, Inc. known as NDI. NDI manufactures the finest floral and botanical reproductions! Their exceptional team of designers' credentials is impeccable, from the White House to the Oscars, and their designs are nothing short of magic. Diane James the Designer is today's couture resource for decorative floral arrangements, orchids, trees and topiaries. Created for every style and situation, from a country home to a contemporary apartment to a chic hotel, these florals are so close to nature; one can almost smell their sun-kissed fragrance. Diane James Designs is the pre-eminent name in silk floral arrangements, topiaries and orchids.
If you do not see what you are looking for, please call our store (910.692.2744) and our professional staff will be happy to help you with all your needs.


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A self-confessed Satyajit Ray fan, he was credited with reviving the art of parallel film-making in Bengal.
Rituparno Ghosh, who died on Thursday at his south Kolkata residence, following a massive heart attack, glorified women through his films, many of which dealt with controversial subjects.
Ghosh, who was suffering pancreatic inflammation at the time of his death, would have turned fifty on August 31.
The 12-time National Award winner, fondly called "Ritu da" in Tollywood (Bengali film industry, located in Tollygunge in south Kolkata), shot to fame with movies that masterfully portrayed a range of stories, from complex mother-daughter and husband-wife relationships to thrillers.
He was also hailed for bold attempts at making movies centred around same-sex relationships.
Ghosh frequently cross-dressed, a trait that brought him admiration, criticism, and caricaturing. He once told a newspaper: "Women can wear men's clothes. The problem arises when men wear women's clothes. Wearing things like earrings and necklaces has always been a part of our sartorial history and tradition."
His strong and original views on sexuality reflected in his films, which strove to smash the perception that gay sex is all about physical relationships. "There is much more to such relationships. Same-sex relationships, too, are extremely soulful, emotional and have the same pathos that any heterosexual relationship has," he said in an interview in 2010, after his film Aar Ekti Premer Golpo, on the life of gay Jatra actor Chapal Bhaduri, got rave reviews.
Born in August 1963 to film-loving parents (his father was a documentary filmmaker), Rituparno needed to look no further than his home to discover his calling. But the calling did take its time coming. He went to Kolkata's South Point School and then studied economics at Jadavpur University.
It was only after a short stint in advertising that he directed his first film – Hirer Angti (The Diamond Ring), starring Moon Moon Sen. His second film Unishe April (April 19), starring Aparna Sen and Debashree Roy, won the National Award for Best Feature Film.
His ascent was at a time when the Bengali mainstream cinema was dominated by potboilers targeted at the rural audience. Contemporary new-age film makers like Suman Mukherjee (of Harbert fame) feel Ghosh re-established the role of new age film making in mainstream Bengali cinema. The commercial success of Unishe April and Dahan (1994), which saw Ghosh win the National Award for Best Screenplay, created financing options for films that was appreciated by the urban middle class.
Bariwali (The Landlady), starring Kirron Kher; Asukh (Sickness) in 1999; Titli (The Butterfly), starring Konkona Sen Sharma, Aparna Sen and Mithun Chakrabarty in 2002; and Subho Mahurat, a thriller with Raakhee Gulzar, Sharmila Tagore and Nandita Das in pivotal roles in 2003 cemented his position among the successful directors in the genre of parallel film-making.
Ghosh's Chokher Bali (The Eye-Sore) and Raincoat (a Hindi movie-based on O' Henry's Gift of the Magi) both starring Aishwarya Rai Bachchan saw him again win a National Award for Best Film.
Rituparno Ghosh also directed Amitabh Bachchan and Preity Zinta in his only English film The Last Lear, whichwon the National Award for Best Feature Film in English.
He hosted two celebrity chat shows — "Ebong Rituporno" and "Ghosh and Co." He also was the scriptwriter of hit soap "Gaaner Opare" for few initial episodes.
In front of camera
Ghosh played pivotal gay roles in Kaushik Ganguly's Arekti Premer Galpo and Sanjoy Nag's Memories in March. His first foray into acting, however, was through an Oriya film, Katha Deithilli Ma Ku (I Promised My Mother), in 2003.
Ghosh's last release was Chitrangada, a modern-day take on Rabindranath Tagore's tale of the same name. The film won the special jury award at the National Film Awards.
Departing from his last few films on relationships and sexuality, Ghosh took up the ambitious work of filming the adventures of popular Bengali sleuth Byomkesh Bakshi. Titled Satyenewshi (The Truth Seeker), the film is currently in the post-production stages. Sujoy Ghosh, director of Kahaani, is playing the title role in the film.


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Style: Creep
Series poster art designed by Michael Broom
This sleek Samsung case protects your phone from scratches, dust, oil, and dirt. It has a solid back and flexible sides that make it easy to take on and off, with precisely aligned cuts and holes.
• BPA free Hybrid Thermoplastic Polyurethane (TPU) and Polycarbonate (PC) material
• Solid polycarbonate back
• Flexible polyurethane sides
• .5 mm raised bezel
• See-through sides
• Wireless charging compatible
Each item is made to order and will ship within 4-6 business days. OfficialCreepShowStore.com ships from multiple fulfillment centers. You may receive multiple shipments for a single placed order.


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The Texas Road Runners !!!!!
Road Trip Adventures, Roadside Attractions, Crazy DIY Projects, Texas Fishing, Rock Hounding and more......
Texas GPS Data For Rock Hounds :
I have been following the book "Gem Trials of Texas" by Brad Cross. On this page, you will find the GPS coordinates for some of the rock hunting locations in Brad's book. I am following the 8th revised edition dated 2001.
Update : As of 05/20/2005, I am now including coordinates from sites described in Melinda Crow's book, "Rockhounding Texas". Coordinates for her book will be labeled as : (Crow's Book).
New content to come, so stay tuned ......
So, until next time, take care and I'll See you... on the road, or in the workshop, (which is really just my garage) !!!!
Brought to you by...
Copyright © 1999 by [The Texas Road Runners - Francis Kiefel]. All rights reserved.


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Hamilton Ranch A General is a Cattle Services business in Los Molinos, CA.
Hamilton Ranch A General classified under Cattle Services, with principal employer Susan Junge Full Name Report is located in Leinger Road, Los Molinos, California CA 96055. For sales, support, account inquiries, and how to be an affiliate, the best way to get in touch is through numbers: (530) 384-2487 Full Phone Report.
It has been operating since , boasting total quality assurance, and an annual revenue of $100.000 to $499.999. Their Single Location can be reached with the use of the following coordinates: 40.04751,-122.10053. They currently have 1 to 4 employees, and you can learn more about their offerings at .
You can also view their clients' testimonials, government compliance and annual reports through their website. Hamilton Ranch A General aims to strengthen their BOTH relationships through advertisements and brand promotion.
Registered codes from Standard Industrial Classification is 0751, and 115210 from North American Industrial Classification System. Customer feedback is highly appreciated; be sure to leave your comments on their website through survey forms. These are necessary for company service improvements.
|Business Name:
|Hamilton Ranch A General
|Categorized In:
|Cattle Services
|Leinger Road, Los Molinos, CA 96055
|Phone Number:
|(530) 384-2487 Full Phone Report
|Contact Person:
|Susan Junge Full Name Report
|NAICS Code:
|SIC Code:
|Business Type:
|Employee #:
|1 to 4
|Location Type:
|Single Location
|Annual Revenue ($):
|$100.000 to $499.999
|Share This Business:


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~ Intro ~ Investment ~ Hotspots ~ Buying ~ Stats ~
Ljubljana is the capital city of Slovenia lying in a basin between the Sava and Ljubljanica rivers, which are located between the Alps and the Adriatic Sea, and has a thriving street culture consisting of cafes, and bars as well as fine arts and theatres. The city boasts a popular university and there is a population of approximately 45,000 students.
The city can boast over 5,000 years of history and there are numerous Roman ruins still in existence as well as Medieval castles fine examples of Baroque architecture.
Julian Alps and Triglav National Park
These areas of offer outstanding natural beauty and the opportunity for magnificent leisure activities. The Triglav National Park is one of the largest National Parks in Europe and stands at nearly 3000 metres above the surrounding valleys.
Maribor and Pohorje
The Maribor and Pohorje regions are fast growing tourist regions, with the thermal spas being a particular draw for tourist visitors due to their close proximity to the Croatian and Hungarian borders. The areas are home to wine growing, and the advent of a new nearby motorway network will help increase accessibility to the area.


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Event – African Business Awards 2015
Location – Four Seasons Hotel New York
Date – 23rd September 2015
The African Leadership Forum was accompanied by the African Business Awards, a gala cocktail to celebrate Africa's leading businesses.
The African Business Awards are now in their 7th edition and have become the definitive business awards in Africa, recognising leadership and excellence on the continent. The winners are announced at the Awards ceremony.
The objective of the Awards is to highlight a successful and confident Africa open to local, regional and global business ventures. Launched in 2008 by African Business magazine, the African Business Awards have become a platform to celebrate excellence in African business by recognising the individuals and companies that are driving Africa's rapidly transforming economy and creating new economic opportunities for citizens and communities all over the continent.


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Olimbe Dackis Holt, 92, died July 31, 2019 at her home in West Columbia, South Carolina.
Mrs. Holt was a Durham native and long time member of St. Barbara Greek Orthodox Church.
The funeral service will be 10:00 AM Friday, August 9 at St. Barbara Greek Orthodox Church, Durham, with burial following in Woodlawn Memorial Park. Friends may visit 6-8 PM Thursday, August 8 at Hall-Wynne Funeral Service, with the Trisagion service at 7:00 PM.


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A north-east man reported missing last week has been found safe and well.
Alan Jones, from Rhynie, was last seen at Marischal College on Wednesday.
However, the 52-year-old, who is known to hitch-hike has now been traced, according to police.
Officers said Mr Jones was found safe and well in England and members of the public have been thanked for their help.


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Hertfordshire wedding photographer Zoë Cooper
Hatfield House is a historic country house and parklands situated to the east side of Hatfield, in Hertfordshire.
As a venue Hatfield House does not just play host to weddings, it has starred in many films from the interior of Wayne Manor in the Batman movies, to Lara Croft, Shakespeare in Love, and Charlie & the Chocolate Factory & the Avengers to name but a few.
The interior of the Old Palace at Hatfield House is just as beautiful as the grounds. With the unpredictability of British weather, it offers couples the peace of mind that if you have to stay inside your wedding will not be compromised.
The Banqueting Hall is steeped in history. It was used as a nursery to the three children of Henry VIII, and where Elizabeth 1st spent her childhood. Eventually she would be held here under house arrest until she finally succeeded the throne. She would later hold Council of State here in here her role as Queen of England.
As their recommended wedding photographer, I am very lucky to have photographed lots of weddings at Hatfield House.
As a wedding venue Hatfield House offers everything. The wow factor for guests, the amazing history of The Old Palace with the Henry 8th and Elizabeth 1st, and later with Hatfield House itself, which adjoins the site of The Old Palace built by Robert Cecil, the Chief Minister to Elizabeth 1st.
More recently Hatfield house has seen a new extension to its estate, with the opening of Lawn House, a 15-bedroom guest house that overlooks the parks farmyard. This is where I joined Tracey on the morning of her wedding to Ville.
This was a multinational wedding. With guests travelling from all over the world to share their wedding day with them, and readings and speeches delivered in Finnish and English to represent the two families.
I am often asked what is my favourite part of a wedding to photograph. Without hesitation, it is the evening reception and specifically the dancefloor. A chance for everyone to let loose and me on standby to catch the moves.
As many times as I photograph weddings at Hatfield House, each one brings with it a uniqueness from the personalities of the couple and their guests, that that makes photographing weddings at Hatfield House such a delight.
Wedding ceremony & reception held at:
The Old Palace, Hatfield House, Herts.
Information on lawn house can be found at https://www.lawn-house.com


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ISO 9001:2003 in East
Members with this Capability
Nemco Ltd
A specialist Contract Electronics Manufacturer. We manufacture PCBA's and test high technology, high mix, low to medium volume, complex, defence and aerospace electronic products where product quality, reliability and delivery is most important. Utilising the latest manufacturing techniques we run 6 SMT lines and a full complement of conventional capabilities. We offer full test packages tailored to the aerospace and defence industries with a fully supported Quality Management System which is aligned to the needs of aerospace, defence and high reliability industry sectors.
Accredited to BS EN (AS)9100 including ISO9001:2015 and prEN 9100:2016 (AS9100) Rev D Accreditation. Workmanship standards to IPC A 610 Class 3. SC21 Silver Award winner.
Capabilities: Fixed Wing; Rotary Wing; AS 9100; Engineering; Mechanical assembly; AS,EN9100; BS EN ISO 9001:2000; ISO 9001; Electro mechanical,electronic manufacture; BS EN ISO 14001:2004; ISO 14001; ISO 9001:2003; Avionics; Cockpit systems,equipment; IPC 610 Class 1; IPC 610 Class 2; IPC 610 Class 3; IPC 610 Instructor; ISO registered; Wires and wiring; Air traffic control; Aerial surveillance systems,equipment; RF components and sub systems; Circuit boards; Displays; Amplifiers; Electronic document management; Traffic calming systems; Counter surveillance systems,equipment; Electronic monitoring systems; Automated number plate recognition systems; Road policing and safety camera enforcement; Traffic control systems,equipment; Video search equipment; Test Capabiltiy
System Design Evaluation Ltd
System Design Evaluation Ltd is an independent Technology Company, founded in 1986, whose core business is the provision of impartial assessment, design, development and safety management of platforms, munitions and weapon systems. Covering land, sea and air domains we provide technical support in areas such as requirements engineering, trials management, test and evaluation planning and weapons effects modelling. The extensive knowledge base, skills and experience of our multi-disciplined project teams enable SDE to fully support and populate the many processes that contribute to the CADMID cycle and Defence Lines of Development. The Company is fully accredited to ISO9001.
Capabilities: Engineering; Mechanical assembly; Project management; Design; BS EN ISO 9001:2000; ISO 9001; ITAR approved; Research & development; ISO 9001:2003; Defence systems; Weapon systems; Engineering and mechanical; Management,organisation; Land systems; Marine services; Operational requirements; Documentation,drawing; Hazard analysis; Mathematical modelling; Post design services; Quality,reliability; Risk assessment; Safety analysis; Stress analysis; Systems analysis; Classification Services; Health and safety consultancy; Education courses; Technology transfer; Systems integration; Trials management; Range systems; Manuals; Explosives consultancy; Configuration management; Programme,integrator prime contractorship; Defence acquisition and support systems; Ship classification; Muzzle velocity measuring equipment; Ballistics instrumentation; Procurement consultancy; Managed services; Systems engineering; Weapons training; Ordnance,munitions consultancy; Safety engineering