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Judging how much cash a charity should hold
Charities may have a range of sources of income, including investments in a portfolio, income from property, a government grant, and donations and legacies. Accumulated cash – which represents unspent past income – can be used to fund future expenditure – for example a major project or to permit services to continue when current income falls short of requirements.
But the question of how much cash to hold may not be as simple as it at first appears. Getting the answer right depends on good governance, a solid understanding of risk – and an awareness of the charity's legal obligations.
Charity trustees have a legal duty to act in the charity's best interests, manage the charity's resources responsibly, and act with reasonable care and skill. According to the Charity Commission, trustees who act in breach of their legal duties can be held responsible for consequences that flow from such a breach and for any loss the charity incurs as a result. The Commission has the power to disqualify individuals from trusteeship if they feel this is warranted.
Taking stock of charities
To work out how much cash to hold, it is necessary to consider the charity's operating expenses, any investment portfolio (particularly if it contains cash separately to that held as working capital), sources of income and the extent of future obligations. The right level of cash will depend on how the charity funds its activities.
For example, a charity which receives rental payments from the properties it owns (houses, buildings, land, etc.) will receive a regular income and therefore may not need to hold a great deal of cash in reserve; conversely, a charity which is funded by donations may have sporadic and unpredictable income and would be expected to hold higher cash reserves. Similarly, a charity which is undertaking a capital project (for example, refurbishing a building used by its beneficiaries) would also need an extra cash allocation to the project.
Figures provided by the Charity Finance Charity 250 Index suggest that charities which have strong governance (including appropriate cash allocation) can expect strong results. In the most recent numbers available, which cover the year to 30 June 2016, the index reported that over a third of its members experienced double-digit income rises. The largest rise was recorded by Horder Healthcare, with income up by 19% to £29.9 million over the same period.
The Commission's expectations
The Charity Commission expects trustees to implement and monitor a reserves policy; trustees are also expected to explain the policy and compliance with the policy on an annual basis. Reserves are defined by the Commission as "unrestricted funds that are freely available to spend on any of the charity's purposes" (generally referred to as "free reserves"). These differ from "restricted reserves" such as endowments. In general, free reserves would be expected to be largely represented by cash or near cash (such as low risk listed investments which could be readily converted to cash).
Some charities may receive "lumpy" or unpredictable income, such as legacies arising from a death or an annual grant. Trustees should take this into consideration and remember that a charity's expenses will typically be regular, so maintaining sufficient cash in reserve to meet periods of reduced income is paramount, especially if the charity is providing life-affecting services.
"Deciding the level of reserves that a charity needs to hold is an important part of financial management and forward financial planning," notes the Commission in its Charity reserves: building resilience document published in January 2016. "Failure to do this may result in reserves levels which are either higher than necessary, limiting the potential benefits a charity can provide; or too low, increasing the risk to the charity's ability to carry on its activities in future in the event of financial difficulties, and increasing the risks of unplanned and unmanaged closure and insolvency."
Be mindful of risks
Although some of the top charities have reported rising incomes in recent years, charity incomes as a whole are dropping, particularly for smaller charities. According to the Small Charity Index, statutory income (i.e. government grants) has dropped nationally by 8% over three years. Some charities are using their reserves, or borrowing money, to invest elsewhere to gain an income.
Where a charity lacks the free reserves it thinks it needs (including cash allocation), the Commission warns that the charity is exposed to greater risk. The Commission expects trustees to be actively addressing this, by implementing a reserves policy, raising the necessary funds, diversifying its funding base and mitigating the risks that might arise if the charity has to close suddenly.
The Commission also warns that in the case of an investigation against a charity, the Commission may take into account evidence that trustees have exposed the charity, its assets or its beneficiaries to harm or undue risk by not following good practice. Insufficient cash over a prolonged period of time can be one of the most significant factors in coming to this conclusion.
The example of Broken Rainbow, a defunct charity which provided support to the LGBT community, provides an illustration of the risks of poor governance. Investigations into the charity's finances after its insolvency revealed that Broken Rainbow's trustees had spent virtually all its income (from grants) within three days of receiving them. The money was being used to fund past expenses, leaving little or nothing to fund present or future needs. In the two-year period leading up to its closure, the charity had less than £500 in its bank account on an average day.
Charity trustees should also be aware that because interest rates are currently lower than inflation, holding large quantities of cash for the medium to long term could cost the charity a significant amount of money. Alternatives options should be considered – which might include investing the cash in a portfolio.
Charities in the spotlight
Charities are facing increasing scrutiny from the Commission, which is gaining greater influence. Under the Charities (Protection and Social Investment) Act 2016, the Commission gained the power to issue official warnings, which supplements its existing powers to carry out statutory investigations in the public interest.
The Commission issued its first official warning on 3 July 2017. The warning was given to the National Hereditary Breast Cancer Helpline (NHBCH) after the charity found itself in financial difficulty and failed to comply with the regulator's action plan. According to the Commission, "[the] charity and its assets had been exposed to undue risk through a lack of appropriate financial controls and its financial model was unsustainable".
These two cases illustrate the importance of maintaining sufficient cash to cover both working capital needs, and any unforeseen expenses. A charity which runs down the amount of cash it holds in reserve risks opening itself up to financial difficulties and regulatory scrutiny. The NHBCH incident was also significant because it confirms that the Commission is now selecting and checking charities in England and Wales to ensure they operate according to best practice and the Commission's own guidelines.
Too high allocation
Conversely, a charity's cash allocation may appear to be too high. If this is the case, donors, beneficiaries or the Commission may raise questions about the way the charity is being managed. Typically this can happen for two reasons: either the trustees have not sufficiently explained why they are keeping reserves, or because they are having difficulty in using their funds. The Commission states that:
"A charity with excess reserves or unspent funds should consider whether they could be effectively spent on the charity's purposes. If a charity has more resources than it needs to fulfil all of its purposes then the trustees must consider whether the purposes of the charity should be amended to enable the charity to operate more effectively."
Adding to the pressure on charities to comply with best practice, from May 2018 charities with "extremely aggressive" fundraising practices could be fined up to £25,000 if they do not crack down on nuisance calls, emails or letters. This regulatory change comes into effect under the EU's General Data Protection Regulation, which is due to replace the existing Data Protection Act.
Although the UK is currently in the process of leaving the EU, the Great Repeal Act includes the same provisions as the new regulation, so it is still likely to become UK law. Charities within the scope of the new rules must comply with new data protection legislation and provide marketing opt-outs.
New project funding
Given the pressure on charity funding and the increasingly prescriptive regulatory environment, charity trustees should ensure that adequate funding will be available for any new project - quite often, this will require that they raise the necessary funds prior to commencing the project. Available assets, including cash, should be held securely with reputable organisations and risk should be given serious consideration.
Some years ago, Icelandic banks offered customers attractive interest on any savings held in an account; but their collapse in the autumn of 2008 caused considerable disruption and loss for depositors.
Charities come in a range of shapes and sizes and they operate in very different ways. The amount of their future commitments, both to beneficiaries and for overheads - such as staff salaries, rent and other fixed costs, should be reflected in the amount of cash they hold.
Strong governance and regular oversight should also be employed to ensure that a charity correctly uses any lump sums it receives, and plans effectively for its future needs. As the Charity Commission notes, a reserves policy will "give confidence to funders by demonstrating good stewardship and active financial management".
Serving the best interests
Ultimately, good governance and oversight are a key part of ensuring that a charity serves the best interests of its intended beneficiaries. Whether holding a large amount of cash or a little, the first step should be to consider whether that sum is appropriate to its needs. If not, trustees should take further action to redress the balance, either by moving any surplus cash to where it can generate the most benefit, or by taking steps to ensure that sufficient cash is gathered to safeguard the charity's operations for the foreseeable future; for example, by cutting costs or fundraising.
Understanding VAT and charities
Do charities pay VAT? This is a common question, and the answer is "yes"…but it's not simple. Mistakes are easily made, so it is useful to have a broad awareness of the rules so you can identify situations or transactions that might need further consideration or professional advice.
There is no automatic, blanket VAT relief for charity purchases. Yes, there are certain specific, targeted VAT reliefs that apply to certain supplies to charities, but nothing that allows all purchases to be VAT-free. There is also the need for specific declarations/certification to be issued by a charity in order to benefit from the VAT reliefs that are available.
VAT registration rules
The same VAT registration rules apply to charities that apply to any business. They must register for VAT if their taxable supplies exceed the VAT registration threshold (currently £83,000).
Some charity income is outside the scope of VAT, such as grants and donations, and monies obtained from the supply of education or welfare services. Other income, such as that from trading activities, would be subject to standard rate, reduced rate or zero rate VAT. So even deciding if you have to register is complex.
In some cases, a charity may wish to register for VAT voluntarily, as it can recover VAT paid on its costs and could expect a net VAT reclaim from HMRC. As long as the taxable supplies made are only to customers able to recover their input VAT in full, then the need to charge VAT will not add to customers' costs.
Another situation where VAT registration may be beneficial is if the charity makes taxable sales that are subsidised, and will be able to recover more VAT as input tax than the output VAT it needs to charge.
Trading activities are often channelled through a trading subsidy. This can mean that both a charity and its trading subsidiary are required to be registered for VAT. Sometimes a VAT group registration might be a better option.
VAT grouping is not something to be rushed into, but it does allow supplies between a charity and its subsidiaries to be disregarded for VAT purposes. Also, when there are significant taxable supplies made through a subsidiary, grouping can boost the total VAT recovery rate for the group's overheads.
Is a charity in business?
"Business" is an important concept in VAT as it determines if VAT must be charged and if it can be recovered. The normal approach taken by the courts is to look objectively at what a charity does. If it is providing goods or services in return for a consideration (usually, but not necessarily, money) then it is seen as being in business.
If an activity is wholly funded by income that is outside the scope of VAT such as grants or donations it will be a non business activity. VAT is not charged - but neither can VAT be recovered on the costs incurred.
Subsidised activities, where an activity is partly funded by grants and partly by taxable charges or fees, do give entitlement to VAT recovery, but HMRC will sometimes seek to apportion the input VAT recovery. Sometimes, even though an activity is subsidised, it can still be deemed to be a wholly business activity.
VAT and grants and contracts
As can be seen, many scenarios are hybrids and fall between the two extremes of wholly business or wholly non business.
It is often the case that certain arrangements are not correctly described. Just because funding is called a "grant", if it is actually a payment for something specifically supplied in return, it is not a grant for VAT purposes. Whatever the intention, the facts are also critical.
Another incorrect description is "minimum donation". If it is a donation, it is freely given, voluntarily. If there is a compulsory minimum required, it is a charge or fee!
A subsidised service where charges are made to customers is still a business activity for VAT purposes. Some HMRC officers try and demand a VAT restriction when they come across any outside the scope income, but this is wrong and should be challenged.
Difficulties can also occur with sponsorship income if the donor insists on recognition. Here it is often arguable whether VAT is chargeable. HMRC will generally not see a dedicated grant making organisation (such as national lottery funding) as receiving a supply, but might well take a different view if the funder is a commercial organisation which benefits from the publicity.
Charity VAT recovery
Charities can rarely recover all of the VAT they incur, but the calculation of recoverable input tax is not an exact science.
The first hurdle to calculating input tax recovery is to ensure that the accounting system is able to identify the VAT incurred, and to allocate the VAT in accordance with whether it can be fully recovered or whether it needs to be subject to a restriction for non business use and/or partial exemption.
If the posting of the VAT incurred is wrong, then the whole calculation of recoverable VAT will be undermined – it's a case of GIGO – garbage in, garbage out!
Do remember that there is no set method for non business apportionment, but it does have to be fair and reasonable. However, HMRC do like there to be some logic involved and will want to be able to verify the figures. For example, they are unlikely to accept a time based apportionment (staff time).
While an income based method may be an easy, one-step calculation from easily identifiable figures, it might not give a fair or favourable result. It can be hugely distorted by large, one-off transactions such as legacies. HMRC will often agree that such transactions can be excluded from an income based, non business apportionment, but it is best to get this confirmed in writing by HMRC.
VAT reliefs for income
There are too many to list all possible VAT reliefs here. If you want the whole picture or have specific issues, then the HMRC website is a good place to start. I will highlight some pitfalls though!
Charity fundraising events
There is a VAT exemption for charity fundraising events. This allows all supplies made at an event to be treated as VAT exempt, unless they are zero rated (such as programmes).
The exemption can be applied to up to 15 events of the same type, in the same place each year – but if there is a 16th event, the exemption will not apply to any of them!
This exemption is available to charities whether they are registered for VAT or not but beware, the events must be fundraisers, not social occasions.
Sale of donated goods
Charities can sell goods donated to them at the zero rate. However, charity shops are increasingly also selling new goods and moving onto a retail Gift Aid scheme.
The zero rate does not apply to the retail Gift Aid scheme, as in this case the charity is receiving a monetary donation from the donor, on whose behalf the goods have been sold, rather than actually selling donated goods. The retail Gift Aid scheme produces a very different VAT treatment for what was traditionally a charity shop selling only donated goods.
Premises and VAT
Some charity construction work can be purchased free of VAT – usually a new build or self contained annex. The rules here require that the building be used solely for a charitable non business purpose. This is a much stricter interpretation than merely a charitable purpose. In practice, HMRC may allow up to 5% business use.
Similar to the relief for certain construction services, a charity buying or renting premises intended for use for a charitable non business purpose can confirm this to the vendor/landlord and the option to tax will be disapplied. This means that no VAT will be charged on the supply. This option does not apply to retail premises.
Working together and mergers
As charities take on more diverse activities, with both central and local government contracting out services, there are big risks if VAT aspects are not considered correctly. I have seen a charity which sub-contracted to a commercial provider and so incurred an additional 20% VAT cost making the whole project uneconomic.
The merger of two or more charities can also trigger VAT problems. Is there a transfer of a business as a going concern? Are there any options to tax or capital goods scheme items taken on? Are there assets that may cause a VAT cost due to change of use?
From outside the UK
Don't forget that if a charity receives supplies or services from suppliers based outside the UK, it has to account for the VAT that would have applied within the UK. 20% VAT must be declared as both output tax and input tax, and it may not be fully recoverable. Also, the value of reverse charge services received from abroad can trigger a requirement to be registered as their value counts towards taxable turnover.
As I said…it's complicated!
The right financial information for the right trustees
Getting the right financial information to the right people (and one could add: at the right time) is fundamental to the smooth running of a charity. So how is this best done? To answer that question, we can start by ascertaining who "the right people" are. And this will depend very much how your charity is structured. But understanding the organisation and its structure may not be that straightforward with some types of charity.
To step back for a moment, there are various models used in charities. These will include:
- Just a board of trustees, where all trustees have a similar level of interest in the charity's finances. In this case the trustees will have a shared responsibility for finance.
- Board of trustees, where one trustee is very interested in the figures and the others look to him or her for leadership on the issue. It is essential to understand that the other trustees cannot actually delegate their responsibility to this lead trustee as such, but there is a recognition that this one particular person is more knowledgeable than the others.
- A finance and/or audit committee with terms of reference, reporting through to the whole board. Within this structure there may also be one person who is very knowledgeable and interested in the finances, so the other committee members will look to him or her for leadership.
In the circumstances where there are just one or two interested people to whom the others look for a lead, the detailed financial information could just go to them.
Understanding trustees' ability
In deciding who the right people are and how to present the information to them, you need to understand their ability. For example, are they accountants, or do they have a particular skill with financial information? Are they still active, or are they retired with out of date knowledge? Are they business people or directors with a working financial knowledge? Knowing your "client" or trustee in this instance will serve you well in determining the appropriate level of financial communication.
Having said this, it is valuable to recognise that non-financial people will still require at least an overview of the charity's finances, in order that they too can make informed decisions.
There are other factors to consider also, such as the size and complexity of the organisation, and the number of key income streams. With income, most charities normally only have one main revenue stream (even if they would like more), so income reporting can be quite straightforward.
A charity's objectives also need to be taken into account, as there may be three or four key types of charitable expenditure - so summarising these is a constructive exercise.
Reliable information
Financial information has to be reliable, which means it must be up to date, be sourced from relevant and authentic accounts, and has been properly prepared by financially competent people.
In most cases, trustees will need this information so that they can be fully aware of the charity's financial position, and make informed and sometimes quick decisions. Trustees want to be able to trust the information they are given and not be questioning its reliability. If the information is not reliable, it will have to be improved as a matter of urgency, as misleading data can result in poor decision making, and may even be masking potential internal fraud.
Information to be provided to trustees should go through a review process before being passed to them. Notes should also be added to the information to clarify any salient issues and to explain any key unknowns or uncertainties, and to highlight where any assumptions have been made.
In reviewing the reliability of financial information, you need to understand the abilities of your finance team and how much you can trust what they produce. You need to be clear on what basis the schedules have been produced: have they been prepared using accruals accounting, or are they on a cash basis? You also need to be sure that the charity's bank accounts and other control accounts reconcile and that there is a system in place to check that they actually do.
Ultimately, in checking the reliability of financial information there is an acid test you can use once a year: would a trustee be able to reconcile the final management information from the last financial year to the audited financial statements?
Relevant information
Trustees need and want pertinent information that gives them a clear overview of how their charity is performing, rather than being swamped with too much data. If they have an overview and they understand it, strategic decisions can be properly made.
In this regard, you need to ask the trustees what they think of the financial information they currently receive. You can also ascertain what additional data they would like to see as well as what pages, schedules and documents they use most, and whether they would prefer the information in a different format.
Some trustees may not fully understand key schedules, so further explanations may be required where necessary. Consider also changing the format of schedules to make key points clearer. Many of the trustees that I deal with are happy to say that they don't understand a certain document when asked; this is easy to remedy.
Sometimes information is produced because it has always has been done that way, but this does not mean it cannot be challenged or improved. I had one client that always produced a lengthy cash flow statement, because eight or nine years ago they had had major cash flow problems. On reflection, when we reviewed the information being presented to the board, it was revealed that as there had not been any cash flow issues for over five years, so the collection of cash flow spreadsheets were being ignored by the board members!
The quantity of information should be kept under review. One sees a range of report sizes, from just a single page summary, right up to full bound booklets. You need to consider the number of pages being made available, the time available for the recipients to read them, the level of detail on each page, and whether a one-page dashboard summary would also be useful.
You should also consider including key performance indicators (KPIs) in the financial information, if the charity has them. If there are no KPIs, are there other ways for the trustees to gauge how they are performing? Any KPIs that do exist, even if they are not financial, should appear in the information given to trustees.
Relevant schedules
There is no one-size-fits-all prescription for the amount of information to be given to trustees, as every charity is unique. Having said that, you may wish to include in the trustee pack, where relevant, the following: an income and expenditure summary (which could include several supporting pages if there are several income streams and include comparisons to the budget), a balance sheet, a cash flow statement, and a schedule of performance against KPIs.
You may also wish to include some narrative to explain key variances from expectations or from last year's figures. If a charity has significant restricted funds, these should be separately identified and you should ensure that the trustees can understand how these funds are being used.
Frequency of information
Financial information should be provided on a regular basis, such as monthly or quarterly. If you have quarterly trustee meetings, some "flash" summary figures in the intervening months will often be useful. And on the subject of meetings, you should make sure that information is provided in advance of these events (usually a week beforehand) so that trustees have time to consider the figures before they meet.
Trading subsidiaries
Where the charity has a trading subsidiary, you will need to consider how you report the results of this, particularly where the numbers going through it are significant.
A trading subsidiary will often have a separate board from the trustees, and with its own separate meetings. In this case, you will need to consider all of the above points relating to charities as they will apply to this separate legal entity, with different people in charge.
A close eye
Charities need to keep a close eye on their financial position to help them remain viable. Where there is uncertainty over any factors affecting the charity's income, aims and obligations, a measure of clarity over cash flows as well as the profitability of any trading subsidiaries will be important.
Where information is not available to trustees through accurate and up to date accounts, decisions will either be made under a greater degree of risk or will have to be delayed. Only once the relevant and reliable information is to hand can the financial implications of any decisions on such matters as major expenditure, investments and recruitment be fully understood.
Being able to anticipate any short term cash flow shortages allows trustees to take early action, whilst projected cash flow surpluses will assist in deciding when to action new investment, expenditure and recruitment plans.
Having real-time financial data to hand, backed up with cogent narrative, gives charity trustees the best chance of securing success for their organisation. Trustees must remain in control of a charity's financial position, and the best way for them to do this is through regular access to the right information.


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subset: commoncrawl


text: In the 0.04 seconds it takes for a website to open, the browser is auctioned off to hundreds of advertising agencies. While advertising agencies have their own data to determine the value of a browser, online media publishers have had relatively little insight into their audience. Most charge standardised industry rates resulting in missed money-making opportunities. To solve this problem, Paul Stemmet and Kevin Dayton developed YAP, a company that sifts through thousands of data points to allow media publishers to "sell browsers" for better prices. "Our engine allows companies to run 80% fewer advertisements against 50% higher revenue, by giving the publishers a better indication of the value of a browser. The browser benefits from only seeing advertisements that apply to them," Stemmet says. The engine also offers a real-time display of campaign performance, allowing publishers to make more informed decisions in terms of content planning. The idea was born in 2013 while Stememt took a two-month sabbatical after his other company, Shinka, lost its main client, Mxit. The recollection of how the Bank of England went from merely printing money into becoming financiers described in Felix Martin's book, Money: The Unauthorized Biography, caught Stemmet' s imagination. According to the book, Sir Thomas Cook visited the island of Yap, where people measured wealth in huge limestone-polished stone wheels, called rai. Part of the stones were lent out, without the stone being moved because of its heaviness, which resulted in a complex IOU system. "The story inspired me to create a solution that would bring more transparency to the valuation of browsers that visit online publishing sites," Stemmet explains. The businessYAP is not only a reference to the use of the rai, but also stands for Yield Automation Platform because it "uses big data, advanced targeting algorithms and artificial intelligence to maximise yield for publishers". Data is collected from various sources, including Stats SA, Blue Kai, Oracle Data Cloud and another of Stemmet's programmes, Marketwise. The data provides information about the financial and social demographics of each browser, as well as their browsing behaviour. "As people, we tend to think we are special, but we are actually highly predictable. Credit bureaus and credit scoring institutions for privacy reasons are unable to sell individual data on clients, but do so in bundles of 5 000 to 6 000 people for relatively cheap. The data is anonymous, but we are able to match it with people through the programmes we have developed over the years," he explains. Along with browser information, the appeal of published articles is also brought into the equation through a taxonomy scan. The scan basically looks for words that would appeal to certain groups of people. The word "money", for example, is usually equated with more affluent readers, according to Stemmet.Depending on the value of the browser, YAP allows publishers to lift the floor price for advertising space from the average R20 to R150."An advertising agency is willing to pay more for browsers that are likely to react to their campaign. When selling a holiday, they want the trip to be in line with the interest of the browser, and it must be within their financial means," he explains. He adds that some websites are sometimes slower to display these advertisements because the "auction" process might have taken long. The engine is changing the role of traditional advertising sales staff at publishers, resulting in them becoming more like account managers. This means that a company needs fewer traditional sales staff, in effect lowering sales costs, he says. Plans for the future Stemmet used seed funding from Ole! Media Group and personal savings to start YAP, along with Dayton and two other employees, Lerissa van Schalkwyk and Stefan Havenstein. Tilt Shift Agency later also bought into the company, resulting in them and Ole! Media Group now having a 25% stake in YAP.Publishing house Caxton was their first client, with most of the work devoted to boosting online advertising income for specific publications. Today, the engine is used by more than 700 websites. "I think we managed to break into the market because of our appealing remuneration model, which is based on a percentage of turnover generated through our service. We usually enter into a 12-month contract with clients, which is annually renewed," he says. YAP's biggest challenge is that its growth is restricted by the size of the publishing industry, dominated by three players, Naspers*, Caxton and Tiso Blackstar. To overcome this, the company has started to service overseas companies, such as Planet Football, and recently opened an office in Berlin, as the German publishing model is very similar to the SA one. Services have also been expanded to brands, with Nedbank being the first company to sign a five-year contract.Stemmet is planning on acquiring growth capital to expand the reach of the company, but is cautious about this: "The company is doing reasonably well, but we would need a big investment if we want to take it to the next level and greatly expand our footprint. The choice of partner, however, needs to be highly strategic, to ensure the new company shares our views and vision," he says. *finweek is a publication of Media24, a subsidiary of Naspers. This article originally appeared in the 22 November edition of finweek. Buy and download the magazine here or subscribe to our newsletter here.


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iAnthus Capital Holdings, Inc. (CSE: IAN) (OTCQX: ITHUF), and MPX Bioceutical Corporation (CSE: MPX) (OTC: MPXEF) have announced this morning that the companies signed an agreement to merge all of their combined assets into one public entity. This agreement is the first public to public merger of two cannabis companies in the U.S.A.
MXP shareholders will receive 0.1673 shares of iAnthus for each common share owned of the company, which will be valued at $1.28 per common share. The combined company will now operate and own assets in 10 different U.S. states including 56 retail locations and 14 cultivation & processing facilities.
The board of directors of the combined pubco will grow to 7 total, with 3 of the directors being nominated by MPX.
The press releases states that the 10 states (Arizona, Maryland, Nevada, California, Massachusetts, New York, Florida, Massachusetts, Vermont, Colorado, New Mexico) that the new company will operate out of will be capable of generating $16.2 billion in yearly cannabis sales by 2022, according to Arcview Market Research and BDS Analytics.
Hadley Ford, CEO of iAnthus gave this statement in the press release:
"This is a watershed moment for iAnthus, as we nearly double the size of our national footprint in the United States. iAnthus will be uniquely positioned for success on the U.S. East Coast, while solidifying our cultivation and retail presence with the additions of California, Nevada, Maryland and Arizona. Since its inception, iAnthus has been strategically focused on building scale, and this announcement crystallizes our positioning as one of the largest multi-state operators in North America."


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The Great Repeal Bill aims to end the European Union's legal supremacy in the UK by converting all EU legislation into UK law as soon as the UK leaves the EU. The Bill contains three main elements:
The Bill will be formally introduced in the Queen's Speech in May, before it is voted through Parliament by MPs and Peers. With more than 12,000 EU laws currently in force,the House of Commons library has warned it will be one of the largest legislative processes "ever undertaken" in the UK.
Theresa May, the Prime Minister, says the Great Repeal Bill means the UK "will be an independent sovereign nation" and the CBI has welcomed the "clarity and continuity" of the Bill, announcing that it would speak to ministers after Brexit with the hope of cutting EU red tape.
Unions have also called for guarantees that workers' rights, such as full holiday pay and equal gender pay, will be protected once the new bill comes into force.
The introduction of the Great Repeal Bill is not expected to have a significant impact on employment law generally, as EU-derived law is so embedded in UK law that it would be very complex to unpick. The government has stated on more than one occasion that employment rights will not be eroded as a result of Brexit. However, the exact impact is largely unknown at this stage and much may depend upon how the UK's negotiations with the EU develop.
It may be that following Brexit, the UK will seek to maintain the status quo and start addressing particular laws individually over time, either by repealing or amending them.
We will continue to keep you updated of any changes that occur as a result of the Great Repeal Bill.


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As the winter sun streams through our bay windows, I sit here in awe of the new year. Without so much as a website or a phone number our little project has found its way into the plans of many a love story and we're so grateful.
Kevin and I looked for a few years for something to call home. We wanted to leave Toronto and the County beckoned us with it's magic. We were looking for some land, a few buildings that we could slowly restore, and a home. Nothing was quite right, we looked at dozens of spots and it was starting to feel a bit hopeless, and then we stumbled upon a posting online, and there she was in all her glory. Rough around the edges, and just so right that we got heart flutters and called to book a viewing.
I can remember the day we stepped foot on the property for the first time. It was September 2nd 2015, and we seemed so far from finding a way out of our hectic city lifestyles that we so longed to leave behind. On that day I remember trying to catch my breath as we drove up. I looked at Kevin and just said, this is going to be our home. As we walked through the house and explored the barns, we just knew this was what we had been waiting for. After inspections, and months of sleepless nights working through all the logistics, talking ourselves in and out of every option, and back and forth between the two of us and the owners, we finally had the keys.
Through that first winter we travelled to and from Toronto, slowly building a plan for the space and working on our vision over many glasses of wine and nights on our blow up mattress. Come the spring we decided that if we were going to go for it, at least one of us should move to the County full time and dig in to the community, so we packed up our tiny Junction apartment and jumped in. I live in the County full time, and Kevin travels back and forth to Toronto for work. Over the past 21 months we have poured ourselves into our dream, working most waking hours on our project, as well as working full-time to sustain ourselves. It has been the hardest most rewarding time of our lives. We are exhausted mentally and physically, but we are also full of gratitude and excitement. This year on labour day weekend, 2 years after first stepping foot on the property, we were married on our land, christening the chapel with love and laughter. We are propelled forward with hearts full and minds focused, so ready to launch our project and begin the process of sharing it.
It takes a village, and we are so lucky to have the best humans in our lives. Our families have gathered around us and poured so much love and life into 100 Acre Wood, working alongside us, helping us in any and all ways, and we are forever grateful. We love you and this is yours as much as it is any of ours. To our new community, you have welcomed us with sincerity and it is because of you that we stay inspired. From growers and makers, healers and teachers, we are so lucky to call you our neighbours and our friends. We have never found a place so saturated with magic. Thank you.
To the lovers that have worked their way into our 2018 season, we cannot wait to welcome you with open arms, and throw you the party of your lives. Thank you for trusting us, for seeing the vision, and for being on this journey of our first year. We adore every one of you, and feel so honoured to be a part of your story.
Xo Mary Wood


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This walrus buddy says, "I'm weird, but I don't give a fuck" and we couldn't agree more.
Did you know?!
-3" high, 2.5" wide (nose to tail) iron-on embroidered patch
(but we always recommend sewing it on for longevity.)
Our patches iron on best to natural fibers, like cotton or denim, and will not adhere to synthetic fabrics.
Here are a few handy tricks for easy ironing of our patches:


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Before Quitting, Consider Thisby Bob Parsons, GoDaddy CEO
When you're ready to quit, you're closer than you think. There's an old Chinese saying that I just love, and I believe it is so true. It goes like this: "The temptation to quit will be greatest just before you are about to succeed."


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Pixar's Coco is Alive and Well in the Land of the Dead
Emeryville, Calif. — The screening of Pixar's next film, Coco, or to be precise, a viewing of roughly a third of the movie, had just ended, the lights rising in the studio's theater against a ceiling of faux starlight with all the subtlety of the midday sun. There was no question, we were back in the land of the living, and for a brief moment we regretted it.
What we had seen was simply stunning – the tale of young Miguel Rivera (Anthony Gonzalez) as the pursuit of his passion found him running from the perceived constraints of his family's history, then, unexpectedly, deeper into it. In the process we were introduced to Pixar's colorful interpretation of Día de Muertos, the Day of the Dead, a holiday celebrated primarily in Mexico to honor and welcome home spirits of family members who have passed. The holiday is full of offerings to the dead, presented via ofrendas, altars filled with foods and gifts, as well as graveside visits with the same, to assist said ancestors upon their spiritual journey.
In showcasing such a rich cultural event, Pixar, as too many other movie studios have done, ran the risk of misrepresentation and appropriation, the negative effects of which cut far deeper than poor showings on Rotten Tomatoes and slugging sales at the box office. However, as co-director and writer Adrian Molina explained, "Here at Pixar, story is always the most difficult and the most important part… when it came to research for Coco that meant traveling to Mexico and experiencing the Day of the Dead firsthand." Which they did, and it shows. In addition, Pixar created a cultural consultant group, including early vocal critics of the film, to advise the team on histories, accuracies and traditions, ensuring each were presented accordingly.
Said Molina, "We didn't just want Coco to be a film that takes place on the Day of the Dead, but we wanted it to be a film that could only take place on the Day of the Dead, that the traditions were built into the story on a fundamental level."
"The story of Coco is inspired by Mexico's people, cultures and traditions," said Director Lee Unkrich. "As soon as we decided that we wanted to tell a story that takes place in Mexico, we immediately booked our first research trip. Over the course of three years, we visited museums, markets, plazas, workshops, churches, haciendas and cemeteries in Mexico City, Oaxaca and Guanajuato. We saw a play in Xochimilco. We spent time with many lovely families in Tlacolula, Tialixtac, El Tule, San Marcos Tlapazola and Abasolo. They welcomed us into their homes and taught us about the foods they enjoy, the music they listen to, their livelihoods, and their traditions. Most importantly, we witnessed the importance they place on family.
"We really wanted to explore the family bonds that tie us to the generations that came before us… this story is about celebrating our past—even as we look to the future."
As for the actual making of Coco, one of the biggest challenges for the creative team was figuring out how to create both the Land of the Dead and the skeleton residents of it, the juxtaposition with all things living.
For example, to better understand and contrast the lands of the living and the dead, respectively, Production Designer Harley Jessup explained, "Our multiple research trips to Mexico were inspiring to us, to the enormous responsibility, to be as authentic as possible while joyously celebrating the culture of Mexico and family. Mexico is a designer's dream, the rich colors and textures we saw everywhere."
Added Director of Photography Danielle Feinberg, "We had 7 million lights. We've never had 7 million lights."
The results speak for themselves.
The Pixar team has created two wonderful worlds in Coco, bringing them together with such graceful, seamless joy, that it is easy to feel they have coexisted forever, and if we learned anything from the film, it's because they have.
Disney•Pixar's Coco opens in U.S. theaters on Nov. 22, 2017.


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Exactly what is Ketosis?
Ketosis Forces your body to obtain its energy by burning fat instead of carbs.
When you've reached a state of Ketosis, your body starts instantly burning fat for its energy instead of carbs.
Carbohydrates are not the optimum energy source for your body, so until we reach a state of ketosis, we are normally left feeling tired, under stress and low-energy by the end of every day.
Fat Is the body's ideal energy source. So when your body reaches ketosis you'll find your energy boosts, and you'll feel more concentrated than ever before, even late into the day.
Keto Yogurt
Why aren't more individuals in a state of Ketosis?
The typical western world diet plan today has the tendency to consist of huge quantities of carbohydrates. Additionally, for several years customers have actually been requiring slim and fat complimentary versions of foods.
Through our diets, our bodies have been conditioned to burn carbs for energy instead of fat. As mentioned previously, this can have severe repercussions to our feeling of well being.
So just begin consuming more fat and less carbs?
Unfortunately, it's not always this easy. Since your body has been set for years to keep fat and burn carbs, we usually require some aid to kick-start the process of ketosis into high gear.
This help can be found in the form of a chemical compound called Beta-hydroxybutyrate (also called BHB). BHB tells your body to start the procedure of developing into a ketosis state.
How does my body get BHB?
While your body produces really small quantities of BHB, it does not produce big sufficient quantities to easily result in a ketosis state. Therefore many people decide to supplement BHB in their diets. Purefit Keto is a popular and highly reliable dietary supplement used to accomplish this,.
What are the advantages of Purefit Keto?
Purefit Keto will assist you to reach a state of ketosis much quicker than would be possible by diet plan alone. It'll assist you to get slim, improve your energy level, enhance your mood, and feel healthy and positive once again.
Keto Yogurt
Who is Purefit Keto for?
Purefit Keto is perfect for both males and females that want to reach a state of ketosis quicker, feel much better and look much better.
Is Purefit Keto Safe?
Purefit Keto includes a special blend of components. Purefit Keto is both safe and convenient. It provides a basic and safe method to reach a state of ketosis without suffering the negative adverse effects of a common ketogenic diet plan.
Can I consume whatever I desire while taking Purefit Keto?
Once you remain in a state of nutritional ketosis, remaining in ketosis is as basic as maintaining a keto-friendly diet, plenty of exercise, and enjoying all the benefits Purefit KETO has to offer.
For finest outcomes, you'll wish to eat a diet plan that consists generally of fat, with moderate protein consumption and a small amount of carbohydrates. It's recommended to try to consume a diet of 70% fat, 25% protein, and 5% carbohydrates while taking the supplement.
How do I get started with Purefit Keto?
To get started, click here to get a 30 day risk-free supply of Purfit Keto supplement


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Fare-thee-well to mediocre cuts of meat this Christmas and welcome the mother of all show-stopping festive centrepieces, Asda's NEW Extra Special Triple Lamb Crown. The medieval meat masterpiece is inspired by the opulent feasting banquets seen on popular TV series Game of Thrones and inspired by the trend for 'tear and share' style dining.
The lavish creation consists of three Welsh-sourced lamb racks that form the structure of a Christmas crown, filled with festive fruit stuffing, drizzled with a pork and mint jus and decorated with botanical rosemary sprigs for the final flourish. The sumptuous showstopper is best devoured alongside golden roast potatoes, parsnips and paired with a goblet of robust red wine.
Kathryn Nicholson, Development and Innovation Manager at Asda, comments: "The fictional banquet halls of Game of Thrones and times gone by are set to inspire festive feasting this Christmas and impressive joints of meat will take centre stage. Our Triple Lamb Crown is a striking showstopper that will be sure to knock the socks off your loved ones and add a whole new level of luxury and indulgence to your Christmas banquet."
The mouth-watering creation is the brainchild of the winner of the 2017 Golden Apron competition, 18-year-old Zacharias Abbot from York. The competition seeks to find
Yorkshire's best young chef and the win gave Zacharias the opportunity to design a range of Christmas products for Asda, and so the Triple Lamb Crown was born.
Asda's Extra Special Triple Lamb Crown with festive Fruit Stuffing & Port & Mint Jus is available from 19th December nationwide with an RRP of £16.50.
For more information on the inspiration behind the product, head to Asda's blog.


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Category Archives: infrastructures
Globalisation, textbooks and teaching
The Antipode open site have published a review symposium focusing on Matthew Sparke's book Introducing Globalization: Ties, Tensions and Uneven Integration. There are four reviews and a response from the author. The reviews are by Stephen Young, Jamey Essex, Farhang … Continue reading
Posted in infrastructures, space Tagged globalisation, globalization, teaching, textbook Leave a comment
Bev Skeggs on values beyond value
In a previous post I mentioned some of the reading I was doing, I've now had chance to read Bev Skegg's article 'Values beyond value? Is anything beyond the logic of capital?' in detail. I found it to be genuinely … Continue reading
Posted in data and dataplay, future of sociology, history of sociology, infrastructures, metrics, web cultures Tagged article, Bev skeggs, BJS, Value, Values Leave a comment
Understanding the human machine
The notion of the quantified self has been getting quite about of attention recently, particularly with mobile phone apps providing various ways of measuring the self. When searching around I came across this excellent short commentary article, 'Understanding the human … Continue reading
Posted in data and dataplay, infrastructures, metrics, mobile devices Tagged Deborah Lupton, Human, machine, quantified self Leave a comment
Gender and Neoliberalism by Christina Scharff
We are continuing to develop the Theory, Culture & Society site. We have had a series of posts on neoliberalism, the most recent of which is a post by Christina Scharff on Gender and Neoliberalism. There are likely to be … Continue reading
Posted in future of sociology, infrastructures, metrics Tagged Christina Scharff, gender, neoliberalism Leave a comment
Florence Chiew on posthumanism
Florence Chiew talks about her recent TCS article on posthumanism in this video abstract. Most articles in Theory, Culture & Society are now accompanied by a video abstract or some other additional materials on the TCS site. I've posted a … Continue reading
Posted in infrastructures, mobile devices Tagged Florence Chiew, posthumanism Leave a comment
My review of Btihaj Ajana's Governing Through Biometrics: The Biopolitics of Identity
My review of Btihaj Ajana's excellent book Governing Through Biometrics: The Biopolitics of Identity has just been published on the early view section of Information, Communication & Society. [Update: the review is available open access to the first 50 people … Continue reading
Posted in data and dataplay, infrastructures, metrics, software Tagged biometrics, Biopolitics, book, Btihaj Ajana, governing through biometrics, review 1 Comment


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Empty Cart?Find Your Rolex
The Yacht-Master is well suited for boat enthusiasts looking for a practical and stylish timepiece. Released in 1992, the collection pays homage to the world of sailing, with certain models featuring flyback regatta timers with a mechanical memory. 2020 update: suggested retail prices start at $11,250 and increases depending on the model and metal used. To browse though our entire selection of pre-owned models click on our used Rolex watches page.
The iconic and emblematic Rolex Yacht Master is the newest of the Rolex released in 1992 in 18k yellow gold. This timepiece symbolizes the tie between Rolex and the luxurious yachting lifestyle of the 1950s. This piece embedded a variety of new features in the latest model including a bidirectional rotatable bezel, a triplock winding crown that triples its waterproofing ability, and a parachrom oscillator hairspring which increases the watch's accuracy by making it resistant against magnetic fields and shocks. This regata chronograph features the world's first programmable mechanical countdown with precision reminiscent of the start of a yacht race.
The relationship between Rolex and sailing dates back to 1958, the year the Swiss watchmaker formed a partnership with the prestigious New York Yacht Club. Since Rolex was a pioneer in creating waterproof watches starting with the groundbreaking Rolex Oyster watch in 1926, the alliance was ideal. Less than a decade later, Francis Chichester - one of history's most exceptional navigators, became the first and fastest person to sail around the globe single-handedly in his yacht, Gipsy Moth IV. Traveling west to east, the historic voyage took place from August 1966 to May 1967 and covered 29,600 miles over 226 days at sea. Even more impressive is that Francis Chichester only had nautical charts, a sextant, and a Rolex Oyster Perpetual as navigational tools. His Rolex wristwatch chronometer withstood the harsh conditions at sea with ease and came back from the around-the-world adventure intact.
In the 1960s, Rolex created a prototype dial for the Cosmograph chronograph with the name "Yacht Master" on it. Two known examples of the Daytona Yacht Master prototype have been in the hands of Eric Clapton (his model sold for $125,100 at auction in 2003) and renowned Rolex collector John Goldberger. This particular version of the prototype never went into production and it would take more than two decades for the Company to finally launch the official Yacht-Master collection.
The brand introduced the Oyster Perpetual model of this line in 1992 as an ultra-luxury sports watch built for the open seas. To emphasize the luxuriousness of the collection, the first model was a solid yellow gold version. The watch sported a gold 40mm Oyster case, a gold bi-directional rotatable bezel marked to 60 minutes for timing, and a gold Oyster bracelet. Over the next two-plus decades, Rolex has added an assortment of materials and sizes to the models nautical watch collection, making it the most varied Professional watch range in Rolex's history.
In 2007, Rolex officially introduced the Yacht Master II regatta chronograph intended for competitive yachtsmen. Identical to any contest of speed, precision is paramount in a regatta. Before the start of a sailing race, the racing committee uses a series of flags and horns to signal the countdown (typically five to 10 minutes) to the start of a race. A skipper uses a regatta timer to determine when the boat is permitted to cross the starting line since crossing it too early results in severe penalties and getting a late start can jeopardize the likelihood of winning. In an event of a recall, the boats have to return behind the line and a new start sequence begins. Therefore, to build the ultimate regatta watch for sailors, Rolex furnished the second collection with features such as a programmable countdown timer (to measure with reliability how much time until the start of the race) and on-the-fly synchronization (for flexibility should the race committee have to restart the race sequence).
Unlike the original version Rolex has only ever made the second collection with a 44mm Oyster case and fitted with an Oyster bracelet. However, this new version is available in a few different materials.
The original and the new version are the perfect embodiment of the ongoing relationship between the Company and yachting world.
Though the original and updated collection share similar names, they are indeed very different models, each with their own histories, functionality, and evolution.
The collection has had several different models and sizes over the years, including watches with 29mm, 35mm, 37mm, 40mm, and 42mm case sizes. The 29mm and 35mm versions are no longer in production, while the 42mm version debuted as part of the new 2019 Rolex watches.
Conversely, the company has only made the Yacht-Master II 44 model so far, although the watch is available in a number of different metal options.
Regardless of the model, all the references have Oyster cases with 100 meters of water-resistance.
Rolex makes both versions in an assortment of materials. It's interesting to note that it is the only collection that offers Rolesium models – which is the combination of 904L stainless steel (now referred to as Oystersteel by Rolex) and 950 platinum on one watch. There are also gold and Rolesor models (the combination of stainless steel and gold on one watch).
Rolex no longer makes yellow gold versions of the standard model. Instead they now use Everose gold (the company's proprietary rose gold alloy) and 18k white gold. The 42mm version is the only white gold version that Rolex has released.
Depending on the material of the case, the materials used for the bezels differ as well. There are solid metal bezels with raised polished numerals, matt black ceramic bezels with raised numerals, and blue ceramic bezels (Cerachrom). The 60-minute graduated Cerachrom bezel is a relatively new material to the lineup, joining the collection in 2015. Rolex also presented a very special gem-set reference in 2017 with a rainbow-colored sapphire-set bezel, which goes by the nickname the "gummy bear" among collectors.
A proprietary material manufactured by Rolex, Cerachrom is a high-tech ceramic alloy that is not only scratchproof and corrosion resistant, but its colors are unaffected by ultraviolet rays. An ideal material that provides added robustness to the Yacht-Master lineup, Cerachrom bezel inserts and Ceramic monobloc bezels illustrate Rolex's innovation and high standards.
Although it was exclusively fitted with the robust metal Oyster bracelet for most of its history, in 2015 Rolex introduced the Oysterlex bracelet on the then-new Everose gold Yacht-Master models. While it may look like a standard black rubber strap, the Oysterflex bracelet is actually composed of an inner metal blade, which is then coated in black elastomer. The Oysterflex bracelet secures around the wrist via a matching solid gold Oysterlock safety clasp.
Throughout its production, the Rolex Yacht-Master has been manufactured in the following sizes:
Since 2015, Rolex discontinued the 29mm and 35mm Yacht-Master versions in favor of the one with a 37mm case diameter. The latest size to join the collection was the new 2019 model with a 42mm Oyster case in white gold, black Cerachom bezel, and black Osyterflex bracelet.
For optimal legibility, the dial layout of the Yacht-Master is typical of most Rolex Professional watch models with Mercedes-style hands, lume-filled hour markers, and a date window at 3 o'clock. Similar to other Rolex watches with date windows, the dial is protected with a scratch-resistant sapphire crystal that has a Cyclops magnification lens for easier reading of the date. There are several dial colors and materials available and platinum and steel models are particularly popular with a matching sandblasted platinum dial.
However, the Yacht-Master II dial layout is vastly different from any other Rolex due to its niche complication. It is home to a countdown display (which can be programmed anywhere from 1 to 10 minutes), which is read via a red arrow-tipped hand. There is also the central flyback/fly-forward chronograph hand, the center hour and minute hands, and the running seconds sub-dial. Furthermore, the Yacht-Master II includes 12 lume-filled hour makers. For the first decade of the watch's history, the dial included straight hour and minute hands, which pointed to square hour markers. However, in 2017, Rolex updated the dials to now include the familiar Mercedes-style hands and added a triangular hour marker at 12 and a rectangular hour marker at 6.
Current-production boast Rolex's Chromalight display, which comprises of a luminescent material that emits a blue long-lasting glow. The luminous broad hands and hour markers provide top-notch legibility in low light conditions.
In terms of complications, the two versions of the Yacht-Master differ significantly: the Yacht-Master is a time and date watch while the Yacht-Master II is a regatta chronograph. As such, the two watches run on different self-winding COSC-certified calibers; however all movements used within the collection are entirely designed and manufactured in-house by Rolex.
In 2019, Rolex updated the 40 lineup with the new generation perpetual 3235 movement.
The earlier models of the Yacht-Master II ran on Caliber 4160, and Caliber 4161 made its debut in 2013. Rolex has since updated the collection to include the updated Caliber 4161 chronograph movement. One of Rolex's most complicated in-house made movements to date, Caliber 4160/4161 includes a programmable countdown timer with mechanical memory and on-the-fly chronograph synchronization. What's more, the Ring Command bezel of the Yacht-Master II is not merely decorative, but it is a key component of how to use the watch by allowing the wearer to adjust and set the countdown feature. The Yacht-Master II is complex in design, simple in use, and functionally beautiful.
Due to its varied assortment of sizes and materials, price points can range significantly. Older and smaller examples in steel can hover around $5,000 while newer, larger, and precious metal models sell for five figures.
On the other hand, the Yacht-Master II is one of Rolex's most expensive sports watch models thanks to its large size and complex movement. Pre-owned prices for stainless steel models start at around $15,000, while the white gold and platinum version is priced over $48,000 at retail.
Although the collection has only been a part of the Rolex collection since the 1990s, early Rolex Oyster watches set the stage for the brand's nautical watches decades before that.
1966 to 1967 - Sir Francis Chichester became the first man to circumnavigate the globe single-handedly and he wore a Rolex Oyster watch
1992 - Rolex introduced the collection
1994 - Rolex introduced the midsize and ladies' models
1996 - Rolex introduced the two-tone midsize and ladies' models
1997 - Rolex released the Rolesium version (also known as platinum)
2007 - Rolex released the Yacht-Master II, the world's first watch equipped with a programmable countdown and mechanical memory
2013 - Rolex updates the movement inside the Yacht-Master II collection from the Cal. 4160 to the Cal. 4161.
Similar to other sports watches made by the company, the various models are a favorite among the celebrity set. From actors to athletes, explorers to chefs, here are just a few of the famous names we've spotted wearing these nautically-inspired watches.
The first Rolex Yacht-Master came to market in 1992. The watch was initially designed as a luxurious take on the Submariner and bore numerous similarities to the famed diver, such as similar Mercedes hands on the dial, a 40mm Oyster case, and a 60-minute timing bezel. What sets the two models most apart is the depth rating, with the Submariner offering water-resistance up to 300 meters while the Yacht-Master offers a depth rating of 100 meters. The other distinguishing feature is the bezel, which is unidirectional on the Submariner and bi-directional on the Yacht-Master.
A popular Rolex Yacht-Master edition that is in very high demand on the secondary market is the newer-model 126622, which includes a stunning Rolesium finish that pairs Oystersteel with 950 platinum. As a newer edition of the watch, the 126622 Rolex also features Chromalight luminescent plots on the dial, a refined bracelet and case, and a new dark rhodium dial adorned with icy blue accents. Another popular reference that is taking the market by storm is the 126655, which pairs Rolex's patented Everose pink gold with a black dial, a matching matte black ceramic bezel, and a black rubber "Oysterflex" bracelet.


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My 2018 year in review post shares an update on my success or failure in my 2018 Resolutions, and includes links to my favorite recipes & book recommendations! Check it out by clicking the post title!
Tag: Reading
Room Makeover
Welcome to June! May went out with a bang for my family as we celebrated my little brother's high school graduation. We had quite a lot of fun redecorating the living room for his open house. Click the post title to check out what we did to make the family room a welcoming place to gather.
{Giveaway} Books, books, books!
As a kid, I read all. the. time. This summer, I have a long list to read. I want to know what you're reading, and give you some free books, so make sure you leave a comment! Click the post title to continue reading.


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Dear Customer,
We are currently not accepting any booking requests. Our service is offline effective 25th December 2019 until any further notice.
"We will get back to you once we start operations officially again"
Any bookings made by customers through calling any of our old team member or any other medium would not be permitted by us and will not be our liability going forward.
Best Regards
Team BMC
(SBGK Online Ventures Pvt Ltd)


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Felix Salmon of Reuters discusses a magazine article on the new industry of native advertising. On websites, traditional marketing takes place through banner ads: annoying blocks of text that flash or blink, peddling some terrible product. We view them as intrusive. And we have learned to ignore them.
On sites like BuzzFeed however, native or sponsored ads are used. This is where ads are created to resemble real news articles or fun lists. The sponsored ads mirror the content of the websites that they are placed on.
(Ethical dilemmas have been raised about this kind of marketing, though. For example, while BuzzFeed clearly marks their sponsored ads as such, letting the reader know that this is, in fact, an add, more strictly journalistic or "serious" content sites risk confusing their readers. This is exactly what happened to The Atlantic when they ran a native ad for the Church of Scientology that read like a news article.)
Salmon argues that native ads on the Web are just like good TV commercials (the kind we hunger for during the Super Bowl.) They tell a story, and we want to share them. They work for the networks who air them, the brands who sell them, and the audience who views them.


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Botas de Tactica
€ 245,00
€ 122,00
High boot for tactical and military use. Upper made of full grain leather with Hydrobloc® treatment and Cordura® to provide sturdiness and flexibility during the use. The GORE-TEX® Performance Comfort lining ensures waterproofness and breathability, while the Zamberlan® Vibram® Futura outsole with Megagrip compound, heel TPU stabilizer and double density EVA wedge ensure high level traction, lightness and shock absorption.
Botas de Caza
€ 195,00
€ 117,00
Tactical boot made of Hydrobloc full grain soft tumbled leather and equipped with the Vibram Sky Running Advance outsole to ensure maximum comfort during long use. Additional leather part on the front for extra protection. GORE-TEX Performance Comfort lining for great breathability and waterproofness. Designed for military, security and tactical sports use.


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2015 Jaguar XF V6 Sport
Sale price: $34,981.00 make an offer
Technical specifications, photos and description:
|4dr Car
|Intercooled Supercharger Premium Unleaded V-6 3.0
|Fuel Type:
|V6 Sport
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2015 Jaguar XF V6 Sport for sale
2015 Jaguar XF V6 Sport with 28. 66 Miles. Black Exterior. Black Interior. Supercharged. Navigation System. Sun/Moonroof. Heated/Cooled Front Seats. Premium Sound System. Sun/Moonroof. Rain Sensing Wipers. Bluetooth Connectivity. Auxiliary Input. Keyless Start/Entry. Back-Up Camera. HD Radio. Clean Carfax. Low Sonic Price!! CALL. E-MAIL or CHAT with us today to schedule your VIP APPOINTMENT for a test drive! Our Sales Specialist are standing by to answer all of your questions and help make your . buying experience here at Momentum Jaguar Land Rover Volvo Porsche your best experience yet! /s/Vehicle Equipment
Exterior Features Aluminum Spare WheelBlack Side Windows TrimBody-Colored Front Bumper w/Black Bumper InsertBody-Colored Rear Bumper w/Black Rub Strip/Fascia AccentCompact Spare Tire Mounted Inside Under CargoFixed Rear Window w/DefrosterGalvanized Steel/Aluminum PanelsLight Tinted GlassPerimeter/Approach LightsRear Fog LampsTrunk Rear Cargo Access Black GrilleBody-Colored Door HandlesBody-Colored Power Heated Auto Dimming Side Mirrors w/Manual Folding and Turn Signal IndicatorClearcoat PaintExpress Open/Close Sliding And Tilting Glass 1st Row Sunroof w/SunshadeFully Automatic Projector Beam High Intensity Low/High Beam Daytime Running Auto-Leveling Headlamps w/Washer and Delay-OffLED BrakelightsLip SpoilerRain Detecting Variable Intermittent WipersTires: 255/35R20 AS Continental Pro Contact -inc: 8. 5"Wheels: 20" Draco-Style Dark Gray 5 V-Spoke Wheel and tire assembly is of low profile with a bias towards sporting attributes. Wheel and tire assemblies with low tire sidewall height will be more susceptible to impact damage in service.
Interior Features 3 12V DC Power OutletsAir FiltrationAnalog DisplayBench Front Facing Rear SeatCarpet Floor Trim and Carpet Trunk Lid/Rear Cargo Door TrimCruise Control w/Steering Wheel ControlsDelayed Accessory PowerDriver And Passenger Visor Vanity Mirrors w/Driver And Passenger IlluminationEngine ImmobilizerFront And Rear Map LightsFront Cigar Lighter(s)Full Floor Console w/Covered Storage. Mini Overhead Console and 3 12V DC Power OutletsHomeLink Garage Door TransmitterIlluminated Locking Glove BoxLeather Door Trim InsertOutside Temp GaugePower Anti-Whiplash w/Tilt Front Head Restraints and Manual Adjustable Rear Head RestraintsRear CupholderSeats w/Leatherette Back MaterialTrunk/Hatch Auto-LatchVoice Recorder 3-Stage Heated Front Sport Bucket Seats -inc: 14-way driver and 12-way passenger power adjustable front seats (forward/rearward. cushion height. back seat recline. cushion tilt. 2-way adjustable bolster. power headrest for driver and passenger and cushion extension for driver). driver 4-way power lumbar. passenger 2-way power lumbar and memory function w/2 settings for driver's seat. exterior mirrors and steering columnAluminum Gear Shift KnobAshtrayCargo Space LightsCompassDay-Night Auto-Dimming Rearview MirrorDriver / Passenger And Rear Door BinsDual Zone Front Automatic Air ConditioningFade-To-Off Interior LightingFront Center Armrest and Rear Center ArmrestFront CupholderFull Suedecloth Simulated Suede HeadlinerHVAC -inc: Underseat Ducts and Console DuctsInterior Trim -inc: Piano Black Instrument Panel Insert. Piano Black Door Panel Insert. Piano Black Console Insert. Chrome And Aluminum Interior Accents and Leather Upholstered DashboardLeather/Metal-Look Steering Wheel w/Auto Tilt-AwayPerimeter AlarmPower Tilt/Telescoping Steering ColumnRemote Releases -Inc: Power Cargo Access and Power FuelSystems MonitorValet Function
Mechanical Features 130 Amp Alternator2. 56 Axle Ratio5104# GvwrDouble Wishbone Front Suspension w/Coil SpringsDual Stainless Steel Exhaust w/Chrome Tailpipe FinisherEngine: 3. 0L AJ126 DOHC 24V V6 Supercharged -inc: intelligent stop-startGas-Pressurized Shock AbsorbersRear-Wheel DriveTransmission: Electronic 8-Speed Automatic -inc: ZF 8HP70. Jaguar Sequential Shift. drive and sport modes and steering wheel mounted shift paddles 18. 4 Gal. Fuel Tank4-Wheel Disc Brakes w/4-Wheel ABS. Front And Rear Vented Discs. Brake Assist and Electric Parking Brake90-Amp/Hr 800CCA Maintenance-Free Battery w/Run Down ProtectionDouble Wishbone Rear Suspension w/Coil SpringsEngine Auto Stop-Start FeatureFront And Rear Anti-Roll BarsHydraulic Power-Assist Speed-Sensing SteeringTouring Suspension
Safety Features Airbag Occupancy SensorBlind Spot SensorDual Stage Driver And Passenger Front AirbagsFront And Rear Parking SensorsRear Child Safety LocksTire Specific Low Tire Pressure Warning Back-Up CameraCurtain 1st And 2nd Row AirbagsDual Stage Driver And Passenger Seat-Mounted Side AirbagsOutboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point. Height Adjusters and PretensionersSide Impact Beams
Entertainment Features 380w Regular Amplifier Integrated Roof AntennaA complete vehicle history report is available for this vehicle
See the full Vehicle History Report Vehicle Warranty Check for open recalls
New Vehicles come with a full-factory warranty. Used vehicles may have a remaining-factory warranty. but please contact us for the warranty details specific to this vehicle.About Momentum Jaguar Landrover Volvo (832) 724-0244 or email steven. hill@momentumjvp. com At Momentum we work hard to be sure our customers get the best price and service before. during and after your purchase. We have a huge selection of quality vehicles at unbeatable prices. Give me a call when you are ready and see for yourself just how easy it is to purchase a vehicle at Momentum! I am committed to my customers and I am always available by phone. text or email. If you get my voicemail. please leave a message and I will call you back at my first available opportunity. Click Here for all my Vehicle Videos including NEW ARRIVALS Terms and Conditions Payment Options We accept the following payment methods:
- Cashier's Check/money order
- Cash (in person)
- Personal check (once cleared)
Vehicle Pickup & Shipping All shipping charges are buyer's responsibility. General Terms Notice to Bidders: All of the vehicles we list on eBay are for sale locally. We reserve the right to end an auction early. All cars are immediately ready for delivery upon sale. Prices subject to change without notice and do not include Title. License. Registration Fees. State or Local Taxes or Processing Fees. if any. Please contact seller first for vehicle availability. Although every effort is made to present accurate and reliable information. use of this information is voluntary. and should only be deemed reliable after an independent review of its accuracy. completeness. and timeliness. It is the sole responsibility of the customer to verify the existence of options. accessories and the vehicle condition before time of sale. Any and all differences must be addressed prior to time of sale. No expressed or implied warranties. including the availability or condition of the equipment listed is made. EPA mileage estimates for comparison purposes only. Actual mileage may vary depending on driving conditions. driving habits. and vehicle maintenance. Placing a Bid: Your bid constitutes a legally binding contract to purchase this vehicle. Please do not bid if you're not seriously interested or financially able to purchase this vehicle. Please read eBay's User Agreement Momentum Jaguar Volvo Porsche and Land Rover reserves the right to. Obtain and verify the registered information of all users who bid on this auction. Cancel any and all bids at our discretion. or end the auction early if necessary. Bidders Age: You must be 18 years of age or older to Bid. Special eBay Bid Retraction Rules: Please read eBay's "Retracting a Bid" If you place a bid before the last 12-hour period of the auction: You may retract that bid before that last 12-hour period but only for exceptional circumstances. You will not be allowed to retract that bid during the last 12-hour period of the auction. If you place a bid during the last 12-hour period of the auction: You will be allowed to retract the bid for exceptional circumstances but only if you do so within one hour after placing the bid. Funds & Financing: For help in arranging for a Pre-Approved loan or for any questions please email steven. hill@momentumjvp. com or phone Steven Hill at 832-724-0244 prior to bidding. All prices plus tax. tag. title. Documentary Fee $157. 25. nbsp;and a $497 Dealer Service Charge. The sale of any new or used vehicle is subject to our mandatory fees in addition to any negotiated vehicle price. Buyers Inspection: Momentum Jaguar Volvo Porsche and Land Rover has done our best to disclose all information known about this vehicle for auction. Momentum Jaguar Volvo Porsche and Land Rover welcomes a buyers inspection. If you plan to have a buyers inspection. please make sure you inspect the vehicle prior to the auction ending. Inspection fees if any are Buyers responsibility. Representations and Warranties made by seller: This vehicle is being sold "as is" unless it is being offered as a Certified Pre-Owned vehicle. Manufacturers warranties may still apply. Vehicle Service Contracts may be available. email Steven. hill@momentumjvp. com or phone Steven Hillat 832-724-0244for details. If you do not get a written warranty. and the seller does not enter into a service contract within 90 days from the date of this contract. the seller makes no warranties. express or implied. on the vehicle. and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranty covering the vehicle that the vehicle manufacturer may provide. If the seller has sold you a certified used vehicle. the warrant of merchantability is not disclaimed. Taxes and Registration fees: Out of state buyers are responsible for all state. county. city taxes and fees. as well as title service fees in the state that the vehicle will be registered. All taxes and fees must be paid in full in order for vehicle to be titled and registered. Fees for taxes and tag are not included in the price. There may also be a document processing charge for which the buyer will be responsible. Title Information: Vehicles titles may be held by banks or lenders as collateral for loans. In many cases there is a delay in receiving the original instruments up to 21 days from the time we pay a vehicle off. While we usually have all titles in our possession at closing. there are occasions where we may be waiting for them to arrive. If payment is made by cashier's or personal checks we will hold all titles for 10 days or until funds have cleared. Shipping & Delivery: All shipping charges are buyer's responsibility. Momentum Jaguar Volvo Land Rover will help with shipping arrangements but will not be responsible in any way for claims arising from shipping damage! Licensed Carriers are generally insured for $3. 00. 00. 00. We assume no responsibility for damages incurred after the vehicle leaves our showroom. All shipping arrangements are provided by Momentum Jaguar Volvo Land Rover as a courtesy. We are not affiliated with any carrier. Any claims or other communication regarding shipment of vehicles will be between you and the shipper. not with Momentum Jaguar Volvo Land Rover. The amount of time it takes for delivery is dependent on the carrier. but is generally 7-14 days from the date the vehicle is picked up from our facility until it is delivered to your destination. Verify with the shipper for an Estimate Time of Arrival to be sure. Finalizing your Purchase: Momentum Jaguar Volvo Land Rover will contact the successful high bidder by e-mail after the auction closes. Successful high bidder MUST communicate with Steven Hill at 832-724-0244 within 24 hours of the auction ending to make arrangements to complete their transaction. If we cannot confirm your intention to buy or the sale is not completed within 3 days. we reserve the right to relist this vehicle or sell to any other qualified buyer. In order to secure bid on vehicle. Successful bidder (BUYER) must within 24 hours of bid closing send to Seller a Deposit in the amount of 10% by major credit card. cash in person or bank certified funds. Within 72 hours of bid closing. Buyer must send balance of funds by cash in person or bank certified funds to Seller. At time of sending initial deposit. Buyer MUST fax copy of their State issued valid Driver License. Furthermore. before said vehicle is released for shipment to Buyer. all other Sale related and title related paperwork must be signed and returned complete to Seller. Fees and Taxes
Sales tax. title. license fee. registration fee. dealer documentary fee $157. 25. inventory tax 0. 002113 of sales price. finance charges. dealer service fee $497. emission testing fees. and compliance fees are additional to the advertised price. Vehicle is listed locally. we reserve the right to end the auction at any time.
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Newgate have created the Tube Station wall clock as a homage to the great clocks that could be found in the Underground Stations off the 50's. Guaranteed to compliment any modern kitchen or office setting, the design was featured in Ideal Home Magazine. The dial has also been given an aged design, to ensure it feels like the genuine article once placed on the wall. Dimensions: 50cm Diameter x 4.4cm Depth
Newgate Retro Tube Station Clock
Buy at Design 55 Online More info


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MP3 Format [ 55:35 ] Play Now | Play in Popup | Download
With Kaz fishing in Loreto Bay, Randy stuffs in some interviews today, one from mid-June with Alice Feiring talking of her book, her LA Times article, and her upcoming keynote at the Wine Bloggers Conference in October. The other is a set of interviews that Kaz and Randy did at the Wine Industry Technology Symposium in Napa in mid-July. It's a mid-month mid-tacular!
Mentions in this episode:
- Alice Feiring's book [link]
- Alice's blog [link]
- Alice's LA Times article [link]
- Wine Bloggers Conference [link]
- Wine Industry Technology Symposium [link]


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Fairfax-based Beltway Home Inspections LLC is an owner-operated business that inspects roofs, landscapes, building structures, electrical systems, heating and cooling systems, insulation, plumbing, fireplaces, and home appliances. All services are performed by a contractor with certifications from the American Society of Home Inspectors, the International Association of Certified Home Inspectors, and the National Radon Safety Board.
Fairfax, VA 22030
Capital Inspection Services, a company in Woodbridge, performs inspections and reporting on behalf of home buyers in the Washington D.C. Metro area. Capital Inspection Services' team of qualified inspectors is especially experienced in testing for and mitigating radon contamination. They also inspect swimming pools for any safety or health hazards, and for any malfunctioning components that might require a costly repair in the future. Capital Inspection Services belongs to the International Association of Certified Home Inspectors and has received the organization's Radon Tester certification.
Woodbridge, VA 22192
Cover Your Assets Home Inspections was founded in Burke in 2013. The company has performed home inspections for home buyers and sellers throughout the D.C. community, with particular attention paid to the roof, attic, foundation, and basement, as well as plumbing, electrical, and HVAC systems. The team is certified by the International Association of Certified Home Inspectors.
Burke, VA 22015
Excel Home Inspections, a team of home inspectors based in Sterling, performs home inspections for buyers, sellers, and realtors throughout the D.C. Metro area. With all inspections, the staff provides a detailed report on every step of the review process, including photographs. Excel Home Inspections is certified by the Northern Virginia Chapter of the American Society of Home Inspectors (NOVA ASHI), and has received the Certified Radon Professionals designation from the National Radon Safety Board.
Sterling, VA 20164
Home Sweet Home Inspections LLC founded more than 30 years ago in Fairfax, performs property inspections in the D.C. Metro region. The company is certified by the American Society of Home Inspectors, accredited by the Northern Virginia Chapter of the American Society of Home Inspectors, and recognized by the National Radon Safety Board.
Fairfax, VA 22031
Hubert Home Inspection, LLC, a business based in Centreville, inspects homes for moisture, material degradation, and any other issues that might pose safety or health risks. Working on behalf of buyers, sellers, or realtors, the team of licensed and insured consultants employed by Hubert Home Inspection, LLC are all certified by the American Society of Home Inspectors and the National Radon Proficiency Program.
Centreville, VA 20120
Intel Home Inspections comprises a small team of inspectors that specializes in radon testing. Additionally, staff experts can perform thermal imaging tests, pre-drywall tests, and home walkthrough inspections and they provide aerial photography to provide realtors a top-down view of the properties they are selling.
Woodbridge, VA 22193
Itte Associates, Inc., having served D.C. Metro clients for more than three decades, is a local property inspector that specializes in examining commercial properties and historic properties. All staff inspectors are licensed, insured members of the American Society of Home Inspectors. Furthermore, property inspection personnel have been trained in asbestos identification, lead hazard assessment, and lead removal. Itte Associates, Inc.'s staff can also provide consultation and technical assistance to contractors who are executing remodeling or construction projects.
Silver Spring, MD 20902
JD Grewell & Associates, Inc., located in Silver Spring but with its service area extending to include the entire D.C. Metro area, has provided property inspections since being founded in 1972. With accreditation from the Better Business Bureau, a certification from the American Society of Home Inspectors, and The Angie's List Super Service Award, JD Grewell & Associates, Inc. is also praised by its past clients for high-quality work and friendly, respectful customer service.
Silver Spring, MD 20910
Kemp Home Inspections, LLC is a small team of home inspectors with backgrounds in engineering and environmental science. The staff members' range of specialties qualifies them to conduct a variety of property inspection checks. The business specializes in checking for structural problems as well as allergens, lead, mold, radon, and termite damage. Licensed, insured professionals perform all inspections.
Germantown, MD 20874
Pivotal Inspections, LLC, a Germantown-based company with a small team of licensed, insured inspectors serving clients throughout the D.C. Metro, focuses on helping buyers and sellers make fully informed decisions about their real estate transactions.
Germantown, MD 20874
Prime Property Inspectors, located in Germantown since 1976, is a team of qualified home inspectors operating throughout the D.C. area. The staff at Prime Property Inspectors is exceptionally qualified to test for the presence of radon gas, mold, allergens, toxic organic compounds, electromagnetic fields, and ozone. All inspections are performed by licensed, insured professionals who belong to the Air Quality Association and are certified by the American Council for Accredited Certification and the National Radon Safety Board.
Pro-Spex Inc. Home Inspection Services, a Laurel-based home inspections provider, is a team of licensed, insured, experienced professionals providing their services throughout the D.C. Metro community. The business's specialty inspection services include termite inspections, deck safety inspections, radon inspections, and mold inspections. Pro-Spex Inc. Home Inspection Services has won The Angie's List Super Service Award multiple times and is a certified member of the International Association of Certified Home Inspectors.
Red Oak Home Services LLC has operated locally for more than 15 years. The licensed, insured home inspector has been certified by the International Association of Certified Home Inspectors and has earned the organization's Radon Tester, Roof Inspector, Exterior Inspector, Indoor Quality Inspector, Deck Inspector, and Moisture Intrusion Inspector certifications. The company works with home buyers and sellers, offers radon testing and mold inspection services, and sends customers a full-color home inspection report within 24 hours.
Centreville, VA 20124
For more than two decades, Residential Equity Management, a home inspections business located in Springfield, has served home buyers, home sellers, and real estate agencies in the D.C. Metro area. The Residential Equity Management team of inspectors has been certified by the American Society of Home Inspectors and the National Radon Safety Board.
Springfield, VA 22152
Square One Home Inspections, a Lorton-based home inspections provider, operates throughout the D.C. area. Its licensed, insured inspection crews are specializing in checking for radon contamination. Square One Home Inspections employs multiple inspectors bearing certification from the International Association of Certified Home Inspectors.
VA Home Inspect, Inc., a Burke business with a team of licensed, insured inspectors bearing certifications from the American Society of Home Inspectors, was founded in 2005. The company helps home buyers, home sellers, and realtors find potentially hazardous or costly issues. VA Home Inspect, Inc. specializes in finding mold, lead, and radon.
Burke, VA 22015


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Academic advising at Cleveland State University is designed to provide you with on-going support and assistance for as long as you are a student, up until the time that you graduate. Your advisor appointment is based on multiple factors, including academic major, your program (e.g. Honors, Athletics) and your academic level.
Following your orientation advising and registration session, it is strongly encouraged that you develop and maintain an on-going relationship with your academic advisor to ensure that you receive all of the support and assistance you need to achieve your academic goals and maintain progress towards receiving your degree from Cleveland State University. If you decide to change your major prior to Orientation, please be sure to contact the Orientation staff.
Orientation Advising and Class Registration
During the orientation program, you will be advised one-on-one with by an advisor from your college of enrollment, your program (Athletic, Honors, or Scholars Programs) or the Exploratory Advising Office. During your advising session, your advisor will provide you with information concerning all of the various options for your classes, and will help you select the courses that are best for you. Be sure to bring your official/unofficial transcripts from any College Credit Plus courses that you have completed or have in progress, along with any Advanced Placement testing information. You will leave the orientation advising session with your class schedule in hand!
Music Major Students
If you are a music major, or interested in possibly majoring in music:
- You must meet with the Music Department to be admitted to Cleveland State as a music major
- You must schedule an audition appointment with the Music Department prior to attending orientation in order to schedule and register for your music courses