text:
CatCo seeks more capital to take advantage of rising rates
Bermuda-run CatCo Reinsurance Opportunities Fund Ltd believes it has sustained no losses through its reinsurance contracts from this year�s earthquakes in New Zealand and Japan that may have cost the industry more than $40 billion in claims.
The company said on Friday it is seeking to raise more capital through a C-share issuance to take advantage of reinsurance price increases of around 25 percent.
In a statement, CatCo said: �Following discussions with CatCo�s existing reinsurance counterparties where protections have been provided and are included in the existing portfolio, claim reserves held for the recent 2011 events in Australia, New Zealand and Japan are below the company�s reinsurance agreement loss event deductibles.
�Consequently, the board of directors currently do not believe that there are any potential losses to CATCo�s reinsurance portfolio resulting from recent events in these countries. CatCo�s reinsurance portfolio is also not exposed to any nuclear power related claims.�
The London-listed fund is run by CatCo Investment Management Ltd, which is based in the SE Pearman Building in Par-la-Ville Road, Hamilton.
The fund raised $80.4 million from institutional investors before it started trading last December and a further $7.35 million through the issuance of more ordinary shares last month.
It acts as a feeder fund for the larger Bermuda-based CatCo Diversified Fund, which provides capital for CatCo Re, a class 3 Bermuda reinsurer, to write fully collateralised reinsurance contracts.
�The reinsurance industry has experienced a number of significant events during the year to date,� a CatCo spokesman said. �The company has performed well and is now in an ideal position to take advantage of the consequent increase in rates.
�The strength of CatCo�s strategy and exposure to the reinsurance market has been tested and properly proven. The significant interest we have from investors is testament to the robust nature of our investment portfolio and we look forward to providing value to our shareholders.�
The C-share issuance will enable the company to write a May-June portfolio at premiums which are more than 25 percent higher than those achieved at January 1, the company added.
CatCo, whose backers include the Qatar Insurance Company, is headed by chief executive officer Tony Belisle, chief operating officer Jason Bibb and chief underwriting officer Graham Wood.
You must be registered or signed-in to post comment or to vote.
Published Apr 11, 2011 at 8:46 am (Updated Apr 11, 2011 at 8:45 am)
Need to
2. Please respect the use of this community forum and its users.
3. Any poster that insults, threatens or verbally abuses another member, uses defamatory language, or deliberately disrupts discussions will be banned.
4. Users who violate the Terms of Service or any commenting rules will be banned.
5. Please stay on topic. "Trolling" to incite emotional responses and disrupt conversations will be deleted.
6. To understand further what is and isn't allowed and the actions we may take, please read our Terms of Service
Brave Davon stares down his fear as a nurse
Trucker pitches in to collect trash
Unwise to adopt false sense of security
Nothing short of financial madness
Testing is only a part of the battle � BHeC
Burt imposes overnight curfew
Dame Pamela calls out social-media trolls
Eight new Covid-19 cases
Farmers� abundant produce much in demand
Legal action over stalled Caroline Bay
Mercy flight brings Bermudians home from US
Caroline Bay faces �restructuring�
Island pauses to applaud essential workers
Take Our Poll
Today's Obituaries
eMoo Posts


text:
Forgive my title, but I tried to make it somewhat generic to help other people who may fall in front of the same problem.
The problem:
I'm creating a pool sim where I can currently rotate the cue around the cue ball and want to be able to move the cue stick sideways between the edges of the cue ball. The issue I'm having is calculating the cue's position relative to the cue ball when the cue is rotated. I've managed to get the cue to move between the two edges of the cue ball, but once I rotate the cue around the cue ball (using the left and right keys) and then set the spin the cue is positioned incorrectly.
Note: The side spin is defined as a Vector2 where -1 (is all the way to the left, 0 is aligned to the centre of the cue ball and 1 is the right side of the cue ball).
private void Update()
float horizontal = Input.GetAxis("Horizontal");
transform.RotateAround(m_cueBallTrans.position, Vector3.up, horizontal * 50f * Time.deltaTime);
// x = 1.0 right side
// x = -1.0 left side
public void SetSpin(Vector2 spin)
// Calculate the max distance the cue can move in each direction
// (essentially half the cue ball either side)
float cueMaxSideDist = m_cueBallTrans.localScale.x * 0.5f;
// Get the amout we want to move to the edge of the cue ball
float cueSideAmount = cueMaxSideDist * Mathf.Clamp(spin.x, -1f, 1f);
// Get the right dir and multiple by cue side amount and then add 0.8 (magic number) in
// the backwards direction of the cue transform
transform.position = (transform.right.normalized * cueSideAmount) +
(-transform.forward.normalized * 0.8f);
I've added comments to the code to help with what I'm trying to achieve. I'm trying to use the transform right direction to offset the cue from the centre of the white ball to either side of the cue ball and then add the backwards transform direction of the cue to place it just behind the cue ball (see below). Additionally, I've avoided using transform.Translate(Vector3, Space.local) as I want to offset the cue with the values of -1 to 1.
Answer by notloop
Jan 23, 2019 at 01:07 PM
public void SetSpin(Vector2 spin)
// x = 1.0 right side
// x = -1.0 left side
// y = 1 top spin
// y = -1 back spin
float cueXSpinAmount = m_cueBallDistFromOriginToSide * Mathf.Clamp(spin.x, -1f, 1f);
float cueYSpinAmount = Mathf.Clamp(spin.y, -1f, 1f);
// Position cue behind the cue ball
transform.position = m_cueBallTrans.position + (-transform.forward.normalized * 0.8f);
// Reset y height in cue
transform.position = new Vector3(transform.position.x, 0f, transform.position.z);
// Translate the cue from the centre of the cue ball to the specified X spin amount
transform.Translate(cueXSpinAmount, 0f, 0f);
// Reset the X rotation of the cue
transform.rotation = Quaternion.Euler(0f, transform.rotation.eulerAngles.y , transform.rotation.eulerAngles.z);
// Rotate the cue in the x axis with the specified Y spin amount
transform.Rotate(new Vector3(-cueYSpinAmount, 0f, 0f));
I managed to get it working by resetting the cue each time I set the spin to the centre of the ball and then translate and rotate accordingly. I'm going to try and refactor to mitigate the need to reset the cue each time and not use transform.Translate and transform.Rotate and instead set the transform.position and transform.rotation directly.
Up to 2 attachments (including images) can be used with a maximum of 524.3 kB each and 1.0 MB total.
The best place to ask and answer questions about development with Unity.
To help users navigate the site we have posted a site navigation guide.
If you are a new user to Unity Answers, check out our FAQ for more information.
Make sure to check out our Knowledge Base for commonly asked Unity questions.
If you are a moderator, see our Moderator Guidelines page.
We are making improvements to UA, see the list of changes.
Answers and Comments
218 People are following this question.
Helicopter Move Local Position,Local Position
Are I stupid? Vector3
How to make object face the direction it's moving?
Transform.RotateAround not rotating around specified game object.
Help! Player script one step at a time add rotate and jump

subset: commoncrawl


text:
As hipstery/tumblr as it sounds, travelling changes you a lot whether thats your intention or not. Travelling for the better part of a year and experiencing a whole lot of different cultures and situations I have been lucky enough to gain from all of this. Whilst I could go on forever talking about what I … Continue reading Lessons Learnt
Treat Yo Self
Travelling on a budget does not mean that you have to rule out all luxuries. True, travelling in itself is a luxury and I'm pretty damn excited to do it however I can with the money I have. That does not mean however that I am not partial to a few little treats here and … Continue reading Treat Yo Self
2 Days in Gili Air
Where and what is Gili Air? Its one of three small islands off the coast of Lombok in Indonesia, reachable by boat from Bali. Although there is three Gili Islands; Trawangan, Meno and Air, the latter was best for me. All three islands are different and have their appeal so if you are planning a … Continue reading 2 Days in Gili Air
A Morning at Ubud's Top Rated Spa
After posting on my social media platforms that I paid a visit to Ubud's Karsa Spa the other day, got so many replies and messages about how amazing it looked and from people travelling in this area saying they are going to pay it a visit. So what is it like to visit the most popular … Continue reading A Morning at Ubud's Top Rated Spa
Travel and Anxiety
This is a post I have been thinking about doing for ages now, and seeing as its Mental Health Awareness Week I thought what better timing? Something I don't broadcast about myself is that I get a lot of Anxiety, which comes at any time and in many forms. It seemed to come on quite … Continue reading Travel and Anxiety
Perspective and First Impressions
Greetings from Ubud! Let me set the scene right now; Its 8pm Friday night, and I am sat outside with some fresh veggie spring rolls and nearly a litre of Bintang beer (all which cost less than £4), its about 30 degrees celsius, I can hear birds chirping and there are cute little lizards running … Continue reading Perspective and First Impressions
In Review: Travelling and Work Experience
After doing a semester in Groningen studying Fine Art (click here for that review), I decided that as much as I loved what I was doing and how much a learnt and developed, it was time to put all of that to the test. For the second half of this past year I have been … Continue reading In Review: Travelling and Work Experience


text:
Decide what you plan to do with your Veggies. You might want to can or freeze some of them. You just might want some to eat.
Look at the seed packet, it will tell you how many seeds there are in the packet. Remember not all of them will grow. Say that it says it has 30 Seeds and 10% won't grow, that will leave you 27 Plants. That would probably give you plenty to eat.
If you want to preserve some you may want to double that to two packets.
From a tiny seed
Starting seeds is different for everyone. We all live in different Climate zones in the United States.
I am giving away a planting guide, so just subscribe overboard and I'll send you one.
For now
There are a few things you will need before you can start planting.
Plant Markers – mark the rows so you know what is planted there.
How To Plant The Seeds
First add the Soilless Potting Mix to the tray. Do not fill it to the top.
Now read the back of the Seed Packet, it will tell you how deep to plant your seeds. Just sprinkle the soil over the seeds. Press lightly.
Use your spray bottle to moisten the soil. Don't soak the soil, use enough to make sure the seeds are wet.
Cover the Planting Tray with it's clear cover. Set the tray in a warm spot. Make sure to keep the soil moist.
Once the plants start to emerge, move the tray to a warm sunny spot. The seedlings will need a lot of sun. If they don't get 16 to 18 hours of sun, you will need a to hang a grow light. You can remove the Tray Cover.
Make sure to keep the soil moist. Try not to soak the plant.
Check your plants daily!


text:
The 4 Best Automatic Cat Litter Boxes
Sick of scooping up cat litter and wishing there was an easier way to deal with your BFF's (best feline friend) messes once and for all? Say hello to your new favorite invention: the automatic litter box. The best automatic cat litter boxes transform what's usually an annoying chore into a task you rarely have to even think about, because they essentially do all the work for you.
When you're shopping for an automatic litter box, most cat experts recommend that you keep an eye out for certain features. How much noise a system makes is usually one of the biggest considerations that pet parents often take into account before purchasing one. Other significant factors can include cost, size, litter compatibility, and how much contact you'll actually have to make with it in order to keep it running. Some automatic litter boxes also require that you buy specific supplies from the manufacturer, which can be frustrating if you're looking to save money over time.
Ready to upgrade your cat's litter box? Here are five of the most highly-rated automatic litter boxes available now. From the best overall to the quietest operation, this list will help keep you from feeling boxed in before you make your selection.
1. Best Overall: PetSafe Scoop-Free Original Self-Cleaning Cat Litter Box
With close to 2,000 rave reviews on Amazon, this popular self-cleaning litter box from PetSafe is the best overall pick if you're shopping for one that really can do just about everything. It self-cleans for weeks with no scooping, cleaning, or refilling necessary — and it comes with a durable plastic tray lining that creates an extra barrier of protection against potential leakage. All you have to do is plug it in, and it starts working immediately. The automatic rake system will sweep waste into the covered compartment 20 minutes after your cat uses the litter box.
While this box is fantastic at controlling odors (and many reviewers say it's the best), you can't use ordinary litter with it. Instead, you have to use the company's crystal litter. On the plus side, this litter won't stick to your cat's paws, is 99 percent dust-free, and is up to five times more effective at absorbing odors than ordinary litter. However, some reviewers note that the crystals have a noticeable scent of their own, which may be a negative for some. Stirring the crystals about once a day can help prevent this and keep your home stink-free.
What cat owners say: "For a single cat family, this is a godsend. I no longer have to scoop everyday, instead cleaning once every 3 weeks. I use the Forever Tray with the Scoop Free and it's wonderful as well. I do wish that I had spent a little bit more money and gotten the hooded version, though, as the cat does kick some litter out. The smell in our house has improved 100%. The ScoopFree is on the large size. Make sure you have enough space ahead of time. Much larger than our original litter box. Added some of the old cat litter to help make the transition smoother."
2. Best For Multiple Cats: CatGenie Self-Washing Self-Flushing Cat Box
This self-flushing box from CatGenie is a game-changer because, while it isn't a toilet, it does flush just like an ordinary toilet would. Perfect for up to three cats per household, it requires washable granule litter (which you can buy from the company). It starts by removing and liquefying waste and then flushes clumps and dirty litter out so you don't have to do any scooping at all. It also uses a veterinarian-approved sanitary solution to wash the litter granules while the dryer function goes to work, leaving them warm and ready for the next use.
In order to get it working, you do need to set it up in your bathroom or laundry room, so if you're tight on space in those areas, this may not be the ideal automatic litter box for you. In a bathroom setup, the drain hook simply secures underneath the toilet seat, while in a laundry room, you need to insert the hose into the washing machine drain pipe. For pet parents who really care about hygiene and have the space to set this up properly, this box is a must-have.
What cat owners say: "CatGenie lives up to the hype. I haven't had to deal with spilled spoiled litter in over two months. Cleans very well and takes less than 25 minutes for a cycle. I use mine manually once per day with 2 cats. If it's the price your worried about then think about how much you will save from not having to buy cat litter. In about a year or so it has paid for itself."
3. Best For Heavy Cats: LitterMaid Automatic Self-Cleaning Classic Litter Box
A true classic never goes out of style, and when it comes to this automatic litter box from Littermaid, that's definitely the case. Tough, dependable, and supportive for big kitties up to 15 pounds, this box comes with an automatic rake for easy cleaning and has a litter line that prevents overfilling. In addition, it includes a ramp that helps eliminates tracking as well as eight waste receptacles, eight carbon filters, and an adapter. It also runs via sensor, which has to be blocked for at least 10 seconds while your cat uses the litter box. Once your pet jumps out, the sensor initiates the cleaning cycle.
While you can buy litter from Littermaid directly, reviewers say any clumping litter will do, which gives this budget buy a nice little edge over many other higher-end self-cleaning boxes on the market. This one doesn't have the same odor-controlling capabilities as some, but it's very effective at getting rid of waste and ensuring that your cat has a safe place to do their business.
What cat owners say: "Over the course of the last 25 years I've owned [four] of these," raved one reviewer. "... I just love these. Short of buying a fully automatic cat box that hooks up to the toilet, these are durable and easy."
4. The Best Smart Litter Box: OurPets SmartScoop Intelligent Litter Box
One downside to all automatic cat litter boxes is the sound they make. While recent models strive to make it less of a noisy experience, there's no way to completely mask the sound of a running motor. The SmartScoop from OurPets is the best when it comes to a quiet operation though, and it automatically scoops waste into an enclosed waste bin 15 minutes after your pet leaves the box (which contains a carbon filter for odor control).
Another major perk to this box is how smart it is, because, while some allow you to keep tabs on litter box usage, this one actually comes equipped with a Bluetooth-enabled health monitoring system that sends you alerts if there are any changes in your cat's habits. If you're a pet parent looking to completely eliminate scooping from your chore list, this may not be the ideal box for you, as reviewers say you still have to monitor the tray every four to six days because the rake can miss some smaller clumps. Like the LitterMaid, this can work with any clumping litter, but due to the rake's size, some litter brands may be more effective to use than others.
What cat owners say: "It took less than a week to get both cats using the same litter box ... this one! In fact, they've abandoned the second litter box in the house completely. At first my skittish cat was highly guarded over the (very quiet) noise and the way it moved. He studied it intensely for a few days before he took the plunge, but it only took that one visit and he was hooked. The box works perfectly, and the spray for the bottom of the box is a must buy."
Bustle may receive a portion of sales from products purchased from this article, which was created independently from Bustle's editorial and sales departments.
This post was originally published on July 27th, 2018. It was updated and republished on June 25th, 2019. Additional reporting by Amy Biggart.
This article was originally published on


text:
Hello Blog,
It's been a rough couple of days. I thought I was losing a fight with a depressive episode but it turns out that I wasn't. The exhaustion I was feeling was glandular fever…So I have been woman down for the past couple of days. Today I spent most of the day sleeping, and Lucas spent the day with his Ouma, he also rolled over for the first time.
It's interesting for me to notice that I am less concerned about seeing Lucas's firsts and looking more forward to the seconds, but I am loving seeing him develop and growing, the daily bits of struggle and the growth. It is an absolute privilege to see the daily growth the way he is slowly growing into a person.
I am also making a point to be gentle with myself and pay attention to my thoughts. And catch myself when I am being judgemental, it's difficult but I think I am winning.
Love and discoveries,


text:
Kaliningrad Zoo
The Kaliningrad Zoo was founded in 1896 as the Königsberger Tiergarten in the German town of Königsberg, which in 1945 became part of Russia and was renamed Kaliningrad. Thus, the zoo is one of the oldest zoological gardens in Russia, and one of the largest. Its collection, which extends over 16.5 ha, comprises 315 species with a total of 2264 individual animals (as of 2005).
Entrance to the Kaliningrad Zoo
|Date opened
|Kaliningrad, Russia
|Land area
|16.5 ha (40.8 acres)
|No. of animals
|2264 (2005)
|No. of species
The Kaliningrad zoo is also an arboretum. Sights include not only animals, but also rare plants like a relict ginkgo tree which was coeval with the dinosaurs.
The zoo also has animal sculptures, including a bronze statue of an elk and a stone statue of an orangutan. The entrance is decorated by a sculpture of many animals. The grounds include pre-war buildings and a fountain.
German periodEdit
The site of the modern zoo was home in 1895 to the Northeast German industrial and craft exhibition. Its supervisor Hermann Claaß proposed keeping the wooden pavilions to make a zoo. This idea met with support and enthusiasm among Königsbergers, as the creation of a zoo had been discussed since the 1880s.
On August 22, 1895 the "Tiergarten Society" was created to realize the plan. Its chairman was privy councillor Maximillian Braun, head of the zoological institute at the University of Königsberg. The press supported the project, having given Königsbergers an opportunity to express their opinion in the newspapers.
Using the society dues and with the financial help of patrons of art who supported the idea (but without public funds), the society refurbished the exhibition pavilions. Hermann Claaß became the zoo's technical head (and after 1897 the director). Building was a joint effort by Claaß, the park technician Model and assistant technician Wichul. The zoo's solemn opening took place on May 21, 1896. At that time, the collection had 893 specimens representing 262 species.
As the zoo received no state funds, several activities were arranged to bring in revenue. A band gave open-air concerts every day in summer and at a concert hall every Sunday in winter. In June 1906, the zoo organized the novel entertainment of a hot air balloon ride (up to 300 metres (980 ft)), which cost three marks. By comparison, the 1910 entrance fees were 50 pfennigs (for adults) and 20 pfennigs (for children). However, there was a reduction on the third Sunday of each month. The zoo was open every day in summer from 7 a.m. to 11 p.m. and in winter from 8 p.m. until dark.
The profit from this activity went towards maintenance of the collection, which, by 1910, had reached 2161 specimens, a record beaten only in 2004.
In 1912 an ethnographic museum was established in the grounds of the zoo. In the 1930s this was moved to Mt. Hexenberg north of Hohenstein (now Olsztynek, Poland).
The zoo lost its prosperity when the First World War began and was closed on August 17, 1914. All available buildings were used by the military as warehouses for uniforms. The zoo opened again in 1918, but was unable, in the post-war decline, to regain its former glory. The collection diminished severely and consisted in 1921 only of 565 animals.
In 1938 the zoo became the property of the city of Königsberg, and the Tiergarten society was dissolved. After the war, the last director of the Königsberg Zoo, Hans Georg Tinemann (the son of the well-known ornithologist and pioneer of bird ringing) became director of a zoo in Duisburg, the sister city of Königsberg.
After the Second World WarEdit
Only four of the zoo's animals survived the Second World War: a deer, a donkey, a badger and a hippopotamus. The hippopotamus was in an especially bad state, having received seven stray bullets when the Red Army stormed the city. The poor animal was found, still alive, in a ditch by the zoo.
Livestock specialist Vladimir Petrovich Polonsky was put in charge of the hippopotamus. From a document in the Kaliningrad archive entitled "History of treatment of the hippopotamus" (probably the report of the livestock specialist), a hippopotamus was nursed back to health.
On June 27, 1947 the zoo celebrated its "second birthday". The collection consisted of only 50 animals, including the recovered hippopotamus. Thanks to the help of other zoos and the Zoological Association, the collection quickly began to grow. Kaliningrad sailors brought back many exotic animals to the zoo.
In 1973 a patronage program was started in which Kaliningrad businesses would sponsor installations or animals in the zoo. Thanks to this practice more than 130 installations were fitted out with pathways, fences, and other necessary elements. In 1980 enclosures were built for mountain animals. In preparation for the 2005 anniversary, the zoo was modernized and equipped with enclosures for tigers, snow leopards and lions.
The first zoo director, Hermann Claaß, retired on May 31, 1913. Walter Rosenberg built a statue in his honor, which was erected on the main avenue of the park on June 13. After the war the sculpture disappeared and was rediscovered only much later, in a private residence on Vatunin street occupied by the Gosstrakh. The discoverer, A. Novik, was the late director of the Komsomol 40th Anniversary park, a known regional specialist, and the founder of a pre-war Königsberg museum. The pedestal of the statue was discovered in a playground on the intersection of Ogaryov and Kutuzov streets. In 1990 the monument was reassembled and re-erected in the zoo on its former spot.
Talking ravenEdit
A "talking raven" lived in the zoo. He was found in 1995, as an unfledged chick, in the backyard of Kaliningrad residents Alexandre and Marina Bogdanov, whose neighbor named it "Yasha" or "Yashka". He spent a night with the Bogdanovs before being taken to the zoo. He has become well known among Kaliningraders, so far as to become a part of local folklore (mentioned in Alexander Popadin's book of urban legends, Local Time). He is also known for liking cottage cheese.
The raven lives in an open-air cage in a secluded part of the zoo, close to the hen house. Though Yashka's vocabulary was limited to the phrase "Ну что?!" ("Well what?!"), the intonation of this expression in combination with its unexpectedness can make a strong impression on the unprepared visitor. Later the raven apparently added to its lexicon, having learnt its own name.
Financial difficultiesEdit
In recent years, the zoo has suffered from a lack of funding, sometimes even to the extent there is not enough food for the animals. Many of the animals survive by scrounging food from visitors.[1]
At the present, the Kaliningrad Zoo contains 2264 animals representing 315 different species.
- Mammals: 59 species, 292 specimens.
- Birds: 84 species, 572 specimens.
- Reptiles: 42 species, 97 specimens.
- Amphibians: 17 species, 59 specimens.
- Fish: 105 species, 1195 specimens.
- Invertebrates: 8 species, 49 specimens.
In particular, the collection includes 56 species that are listed as threatened species in the IUCN Red List:
- Mammals: 27 species.
- Birds: 11 species.
- Reptiles: 7 species.
- Amphibians: 3 species.
- Fish: 8 species.
The zoo replenishes its collection and participates in international programs for cultivation and preservation of rare animal species. The zoo has enjoyed the offspring of snow leopards, zebras, Brazilian tapirs, and griffon vultures. Recently Dalmatian pelicans, Bennett's tree-kangaroos, white-naped cranes and lions have been delivered.
- ^ "Russian zoo fights for survival", BBC News Online, 9 November 2003.
External linksEdit
|Wikimedia Commons has media related to Kaliningrad Zoo.
- (in Russian) Official zoo web site


text:
Ashley Hustad
Real Estate Agent at
BancWise Realty
- First Time Home Buyer Specialist
- Relocations
- New Construction
- Retirement Specialist
Agent Highlights
More about Ashley Hustad
Ashley Hustad's Reviews & Ratings
Tell us about your experience with Ashley Hustad
So glad my wife and I decided to list with Ashley. She showed great patience with us (after we tried to sell our house on our own for 4 months, we were freaking out) and had incredible knowledge to make the process as seamless as possible for us. I would definitely recommend her to represent any buyer or seller !- Kyle Smith
Very professional, listens to clients needs and picks only the best houses! Always a great experience with Ashley! (third time client)- Lindsey Palmer
Ashley is amazing! She went above and beyond expectations.- Eric Sprague
Ashley is fantastic! There aren't enough words to explain how grateful we are to have had her on our side while we sold our home and bought our dream home. We truly couldn't have done it without her. She took everything on, assured us she'd handle even the tiniest little things, relieved my crazy amounts of stress and did it all with a smile on her face. I highly recommend her to any buyer or seller! Thanks again Ashley!- Allison Stueffer
Ashley knows how to sell homes. She came in and took pictures on Thursday morning and had an offer within hours of the listing we sold our home in the first 24 hours. She is a great person to work with great personality. We would highly recommend her and BancWise in the future.- Sherry Haase
Ashley did a great job for us in selling our acreage. She was professional at every step and was a delight to work with. She employed the right strategy and found the buyer that was perfect for the acreage. There are two families very happy because of all she did.- Teri Clark
Ashley made our home buying experience such a great one, with her professionalism and relatable personality. This was our first home so we were full of questions. She answered everything thoroughly and made it a painless as possible!!We would recommend Ashley to anybody buying or selling in Lincoln.- Cody Anthony


text:
Thank you
username: extranet\anonymous
analitycs external username:
Your document can be opened using the below link
Download Full Article
Thank you, please click link below to continue
Click here
CareSil™ CES-1104 is part of our new patented CES range. This range of products is made thanks to our SFS (Surfactant Free Silicone) emulsion technology by silicone membrane stabilization and is a high purity elastomer gel delivered in an aqueous gel that is ideal for skin perfecting formulations. This ingredient brings a unique texture: fresh as water at the beginning, which turns into a matte velvet veil, leaving your skin moisturized and soft as peach.
The above properties are tested on a lot-to-lot basis. Do not use as a basis for preparing specifications. Please contact NuSil Technology for assistance and recommendations in establishing particular specifications.
Watch our CareSil team explain the breakthrough Encapsulation Technology and demonstrate how easy it is to create transformative formulations with CES.
This website uses cookies to enhance the user experience. By using this site you agree to our privacy policy.


text:
Sutra came to Fields of Freedom together with Buddha and Karma. All three of them were just 1 year old at the time.
They had all been rescued from a lamb farm when a worker at the farm had grown close to them. All of them had been orphaned as lambs when their mothers had been sent to the slaughterhouse.
The kind-hearted farm worker could not bear the thought of them ending up as lamb meat, so she brought them home with her instead. But unfortunately, she couldn't keep them, so the three lambs' lives were again in danger.
Fields of Freedom was contacted and asked if we could take all of them together, since all three of them had become close friends, and give them a loving and caring forever home.
Sutra is the most confident of all the five rescue sheep we have here at the sanctuary. She is always the first sheep to come over to meet and greet new people and she is also the fastest runner of all of the sheep.
15 dollars, 25 dollars, 40 dollars, Other


text:
Reach Out (Four Tops album)
This article needs additional citations for verification. (January 2012) (Learn how and when to remove this template message)
|Reach Out
|Studio album by
|July 1967
|1966–67 at Hitsville Studio A
|Brian Holland, Lamont Dozier, Smokey Robinson, Clarence Paul
|Four Tops chronology
|Singles from Reach Out
|Review scores
Reach Out is an album recorded by the Four Tops, issued on Motown Records in July 1967. It was the final Four Tops LP to be produced by Motown's main songwriting and production team, Holland–Dozier–Holland, who departed the label in late 1967 over money disputes.
The group's most successful studio LP, Reach Out includes six of the Four Tops' Top 20 singles: the #1 hit "Reach Out I'll Be There", the Top 10 singles "Standing in the Shadows of Love", "Bernadette", the Top 20 "7-Rooms of Gloom", and their Top 20 covers of Tim Hardin's "If I Were a Carpenter" and the Left Banke's "Walk Away Renée") both of which reached the UK Top 10.
Rounding out the LP are a pair of Monkees covers ("Last Train to Clarksville" and "I'm a Believer"), a cover of The Association's "Cherish", and the originals "Wonderful Baby" and "What Else Is There to Do (But Think About You)". Reach Out was followed one month later by a Four Tops' Greatest Hits album, which contained all of the group's hit singles to that point.
Track listing[edit]
All tracks produced by Brian Holland and Lamont Dozier, except for "Wonderful Baby", produced by Smokey Robinson; and "What Else is There to Do (But Think About You)", produced by Clarence Paul.
- "Reach Out I'll Be There" (Holland–Dozier–Holland)
- "Walk Away Renée" (Bob Calilli, Michael Brown, Tony Sansone)
- "7-Rooms of Gloom" (Holland-Dozier-Holland)
- "If I Were a Carpenter" (Tim Hardin)
- "Last Train to Clarksville" (Tommy Boyce, Bobby Hart)
- "I'll Turn to Stone" (Holland-Dozier-Holland, R. Dean Taylor)
- "I'm a Believer" (Neil Diamond)
- "Standing in the Shadows of Love" (Holland-Dozier-Holland)
- "Bernadette" (Holland-Dozier-Holland)
- "Cherish" (Terry Kirkman)
- "Wonderful Baby" (Smokey Robinson)
- "What Else Is There to Do (But Think About You)" (Stevie Wonder, Clarence Paul, Morris Broadnax)
- Levi Stubbs: lead vocals
- Abdul "Duke" Fakir, Renaldo "Obie" Benson, Lawrence Payton, and The Andantes: background vocals
- The Funk Brothers: instrumentation


text:
Providers, as always, are concerned about patient health and outcomes. They are also facing new financial pressure and incentives, such as pay-for-performance and meaningful use requirements, says Rossi. On the patient side, new technologies are emerging—such as wearables—that provide patients with immediate feedback on activity levels and key health metrics.
"At the same time, providers are also extending new technologies to their patients, through portals and other online access to health information, which help patients more easily and consistently engage with their health."


text:
About my practice
I enjoy establishing long-term relationships with driven, successful people looking for financial education and a comprehensive plan. We strive to help individuals save money in a tax efficient manner, mitigate risk and manage wealth. My team and I specialize in creating relationships with business owners and established families with children. Efficiency is key. Time is very valuable.
Get in touch
To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit FINRA BrokerCheck
Depending on the products and/or services being recommended or considered, refer to the appropriate disclosure brochure for important information on the Northwestern Mutual Wealth Management Company, its services, fees and conflicts of interest before investing. To obtain a copy of one or more of these brochures, contact your representative. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI(NM)(life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. Hailey Danielle Golden is an Insurance Agent of NM and Northwestern Long Term Care Insurance Company, Milwaukee, WI, (long-term care insurance) a subsidiary of NM, and a Registered Representative of Northwestern Mutual Investment Services, LLC (NMIS) (securities), a subsidiary of NM, broker-dealer, registered investment adviser and member FINRA (www.finra.org) and SIPC (www.sipc.org). Representative of Northwestern Mutual Wealth Management Company®, Milwaukee, WI (fiduciary and fee-based financial planning services), a subsidiary of NM and federal savings bank. The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Financial Representatives. Financial Representatives and their staff might not represent all entities shown or provide all the services discussed on this Web site. Not all products and services are available in all states. Hailey Danielle Golden is primarily licensed in Tennessee and may be licensed in other states. AR License: #17567774


text:
25 Inspirational Quotes & Sayings You'll LoveJuly 17, 2018 Off By admin
Life is amazing. Every single day is filled with sources of inspiration; but sometimes we need a little help tapping into that. That's the goal of Self Improvement Saga's weekly inspirational thoughts segment- to help you start your week off fully tuned in, tapped in and turned on to the sheer beauty of your existence on this Earth.
This week's inspirational thoughts include 25 awesome, inspirational self improvement quotes. You'll find quotes on life in general, as well as, quotes about character, success, love, humanity and much more. I wish you a fabulous week filled with little miracles that don't escape your awareness.
Inspirational Self Improvement Quotes
1.) "The colossal misunderstanding of our time is the assumption that insight will work with people who are unmotivated to change. Communication does not depend on syntax, or eloquence, or rhetoric, or articulation but on the emotional context in which the message is being heard. People can only hear you when they are moving toward you, and they are not likely to when your words are pursuing them. Even the choicest words lose their power when they are used to overpower."
~ Edwin H. Friedman
2.) "You're wanting to allow your Well-being, not achieve it. It's not something that you need to earn. All you have to do is decide what it is you would like to experience, and then allow it in order to achieve it. It isn't something you have to struggle for or try for. You are all worthy beings. You are deserving of this Well-being."
~ Abraham
3.) "Everything can be taken from a man but … the last of the human freedoms – to choose one's attitude in any given set of circumstances, to choose one's own way."
~ Victor Frankl
4.) "If we go into a darkened room and turn on the light, it doesn't matter if the room has been dark for a day, a week, or ten thousand years — we turn on the light and it is illuminated. Once we control our capacity for love and happiness, the light has been turned on."
~ Sharon Salzberg
5.) "Perhaps the most important thing we bring to another person is the silence in us, not the sort of silence that is filled with unspoken criticism or hard withdrawal. The sort of silence that is a place of refuge, of rest, of acceptance of someone as they are. We are all hungry for this other silence. It is hard to find. In its presence we can remember something beyond the moment, a strength on which to build a life. Silence is a place of great power and healing."
~ Rachel Naomi Remen
6.) "Love many things, for therein lies the true strength, and whosoever loves much performs much, and can accomplish much, and what is done in love is done well."
~ Vincent van Gogh
7.) "The moment one gives close attention to anything, even a blade of grass, it becomes a mysterious, awesome, indescribably magnificent world in itself."
~ Henry Miller
8.) "Each of us literally chooses, by his way of attending to things, what sort of universe he shall appear to himself to inhabit."
~ William James
9.) "Our fears are more numerous than our dangers, and we suffer more in our imagination than in reality."
~ Seneca
10.) "The basic thing is that everyone wants happiness, no one wants suffering. And happiness mainly comes from our own attitude, rather than from external factors. If your own mental attitude is correct, even if you remain in a hostile atmosphere, you feel happy."
~ Tenzin Gyatso, 14th Dalai Lama
11.) "The truth is that our finest moments are most likely to occur when we are feeling deeply uncomfortable, unhappy, or unfulfilled. For it is only in such moments, propelled by our discomfort, that we are likely to step out of our ruts and start searching for different ways or truer answers."
~ M. Scott Peck
12.) "Contrary to popular thinking, being worthy isn't something you earn, it's something you recognize."
~ Mike Dooley
13.) "Whether one sees the world as God's creation or as a secular mystery that science is on the way to figuring out, there is no denying the beauty and majesty of everything from mountain ranges, deserts, and rain forests to the exquisite details in the design of an ordinary mosquito."
~ Robert C. Solomon
14.) "A thoroughly good relationship with ourselves results in being still, which doesn't mean we don't run and jump and dance about. It means there's no compulsiveness. We don't overwork, overeat, oversmoke, overseduce. In short, we begin to stop causing harm."
~ Pema Chodron
15.) "Imagination is more important than knowledge. For while knowledge defines all we currently know and understand, imagination points to all we might yet discover and create."
~ Albert Einstein
16.) "The bottom line is that (a) people are never perfect, but love can be, (b) that is the one and only way that the mediocre and vile can be transformed, and (c) doing that makes it that. We waste time looking for the perfect lover, instead of creating the perfect love."
~ Tom Robbins
17.) "What the caterpillar calls the end of the world, the master calls a butterfly."
~ Richard Bach
18.) "Do not despise your own place and hour. Every place is under the stars, every place is the center of the world. Stand in your own dooryard and you have eight thousand miles of solid ground beneath you, and all the sidereal splendors overhead."
~John Borroughs
19.) "Live your daily life in a way that you never lose yourself. When you are carried away with your worries, fears, cravings, anger, and desire, you run away from yourself and you lose yourself. The practice is always to go back to oneself."
~ Thich Nhat Hanh
20.) "There is no such thing as a "self-made" man. We are made up of thousands of others. Everyone who has ever done a kind deed for us, or spoken one word of encouragement to us, has entered into the make-up of our character and of our thoughts, as well as our success."
~ George Matthew Adams
21.) "Any fool can criticize, condemn, and complain but it takes character and self control to be understanding and forgiving."
~ Dale Carnegie
22.) "People usually consider walking on water or in thin air a miracle. But I think the real miracle is not to walk either on water or in thin air, but to walk on earth. Every day we are engaged in a miracle which we don't even recognize: a blue sky, white clouds, green leaves, the black, curious eyes of a child — our own two eyes. All is a miracle."
~ Thich Nhat Hanh
23.) "In the confrontation between the stream and the rock, the stream always wins- not through strength but by perseverance."
~H. Jackson Brown
24.) "All men dream, but not equally. Those who dream by night in the dusty recesses of their minds wake in the day to find that it was vanity; but the dreamers of the day are dangerous men, for
they may act their dream with open eyes, to make it possible."
~Thomas Edward Lawrence
25.) "Few men during their lifetime come anywhere near exhausting the resources dwelling within them. There are deep wells of strength that are never used."
~Richard E. Byrd
I hope you enjoyed this collection of inspirational quotes. If there is a favorite quote that you'd like to add, please feel free to do so in the comment section below.
Photo credit: Greg Marmai
Related Inspirational Self Improvement Quotes
- 31 Quotes on Failure and Success
- 25 Quotes About Happiness to Brighten Your Day


text:
- Define which fields to display as columns
- Display entry metadata
- Configure conditions for displayed data
This add-on creates a bridge between wpDataTables (which renders interactive, responsive tables and charts) and Gravity Forms. Form entries will be rendered as rows, form fields are treated as columns.
On activation, this add-on adds the data source Gravity Forms in the wpDataTables table creation wizard.
This add-on is available for $26 (regular license) or $130 (extende license) on codecayon.
Codecanyon (Envato Market) items can receive updates through the Envato Market Plugin for WordPress.
For more JQuery Datatables integrations check our search for "datatable".
Submit your review


text:
Bank Auction properties are preferred by the buyers. The reason being bank auction property is normally available at 20% discount compared to market rate. Most of the properties are auctioned under SARFAESI Act or Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002
The biggest concern is the title of the property. In case the title of the bank auction property is clear, there is NO legal dispute and bank is in the physical possession of the property then the buyer can go ahead and participate in bank auction.
This video discusses the steps to participate in bank auction. If you liked this video, You can "Subscribe" to my YouTube Channel. The link is as follows
For more such interesting and informative content, join me at:
Website: http://www.nitinbhatia.in/
T: http://twitter.com/nitinbhatia121
G+: https://plus.google.com/+NitinBhatia
#NitinBhatia #Property #Bank Auction


text:
Evanston Art Center is currently hosting a pop up store for local artists. It is a collaboration with the Evanston Made moment, to highlight the hard work of Evanston's most talented and creative. The store is located right at the entrance, inside the art center on Central Street in Evanston. The work put on display is everything from paintings and photographies to clothing items and of course, artisan made jewelry. They have numerous pieces from our most popular collections for anyone to purchase.
Evanston Made is a month- long celebration of the arts in Evanston designed to create opportunities for artists to engage with the community. The grand opening of the pop up store was held on June 2nd and it will be open through June 30th. The store is open for anyone during the Art Center's regular visiting hours. For anyone interested in the details, please visit the Evanston Made website here.
A huge thank you to Amy Amoroso at AnoMaly Productions for creating an amazing exposé for our local artists and such a fun shopping opportunity for all the Evanstonians.
Comments will be approved before showing up.


text:
President Park Geun-hye's former aide appeared at the Constitutional Court Wednesday to testify as the last witness in her impeachment trial, from the Yonhap News Agency.
|An Chong-bum, former senior presidential secretary for policy coordination, appears at the Constitutional Court in Seoul on Feb. 22, 2017, to testify during the 16th hearing of President Park Geun-hye's impeachment trial. (Yonhap)
An Chong-bum, former senior secretary for policy coordination, was summoned to the 16th hearing to speak on corruption allegations surrounding the establishment of two nonprofit foundations controlled by Park's friend Choi Soon-sil.
The president was impeached for allegedly letting Choi meddle in state affairs and colluding with her to extort donations from conglomerates to the foundations.
During the hearing, Park's lawyers are expected to announce whether the president would attend the final hearing scheduled for Friday.
The court demanded an answer by Wednesday, suggesting it may postpone the date if Park plans to appear.
Choi was also called to the hearing, but declined the summons, saying she has nothing more to testify after attending a hearing last month.
An was also summoned for the second time.


text:
Corona DS633BP Digital Micro Servo
Fantastic little micro servos at a reasonable price of $6.68. This would be a great fit for the FireFly due to its low weight of 6.2 grams and torque of .82kg.cm on a single cell lip battery 4.8v. The speed of the servo at .12sec travel to 60 degrees is great for slope gliding and gentle flying. For a more aerobatic maneuvers, a faster servo might be needed.
Model: DS633BP
Operating Voltage: 4.8V / 6.0V
Operating Speed: 0.12sec.60°/ 0.10sec.60°
Stall Torque: 0.82kg.cm /0.95kg.cm
Size: 23.5×9.5×19.5mm
Weight: 6.2g
Dead Band: ≤5uSec
Gear: Plastic
Gear Type: Digital
Motor: Coreless
Connector wire: 215mm
Operating Temperature Range: -20°c ~ + 60°c
Spline count: 19


text:
A Video clip Marketing Campaign Can Increase Your Service
Videopal review advertising and marketing is terrific for raising your business and service. It is a wonderful way to attract possible clients and also aid visitors learn more about you offer.
Many on-line users have attention deficit disorder of focus; they want the info they're trying to find swiftly. If you feel you need to run long in your video clip, consider making more than one video clip.
YouTube offers great editing attributes on their site.You can even include comments and also message in your video.
The way to have your video clip plays a crucial role in its success. It is not always the best technological camera to earn a video.People are happy to see something if they have pertinent details matters.
Video advertising offers the ways to allow you are advertising.
Functioning as component of a group is a wise way to establish video content. You do not necessarily need to involve colleagues, as you could decide that pals, so you do not have to stick to your colleagues if you do not want to.
Lots of Web users go online on a daily basis trying to find instructions on ways to do things. After they recognize you recognize what you are discussing, they will certainly look at all your offerings.
Make a video clip describing how others need to use your product. You can show them step-by-step the best ways to do it and also for individuals that are mosting likely to be utilizing it in the future also.
Don't forget to include a kind for your emailing list on the web page where the video clip is located.
Video content analytics are an essential to obtain the most from your marketing videos.You can inform a lot of times your video has actually been seen as well as where those sights are originating from. You could use all of this info to your advantage to advertise your business to brand-new outlets.
Offer potential customers with a much more comprehensive glance into your business making use of video marketing. Show your audience exactly how the item is made or the solution is done. Individuals will certainly appreciate seeing the intimate and individual facets of your organisation.
Make video clip for the most usual Videopal review. While many individuals place FAQs on their web site and also anticipate customers to review them, most people do not wish to review all of that message. This provides your users an alternative on just how they want to get their information.
Use video marketing on a selection of social media sites and web sites.
When you publish your marketing video clip to YouTube, make sure to modest comments. If you do not wish to spend your time regulating comments, you might think about disabling them.
Brief video clips are a lot more positive compared to longer ones.Your customers' attention will certainly lose your visitors. 5 mins is okay in some cases, however it could work if you have very fascinating content. Aim to maintain it brief and to the factor.
You do not need professional tools to develop a high quality videos. The majority of computer systems are capable of the time all you need to do is place some excellent software application on your computer. You could also utilize your smart device if you have to.
Do not produce video clips that might have concealed agendas to your video clips. If your objective is to sell your item, simply say you're doing so. Make use of the remark box to build partnerships with your customers.
Begin your video message with a greeting to earn your consumers really feel much more comfy. Introduce yourself and offer a brief review of your business is about.
You must think about utilizing a "how-to" video clip instructing others how you can do something in order to market your business. Make certain your video clip offers all the details the audience requires. Absolutely nothing is a lot more frustrating than video clips with info that simply guides them to acquire total "how-to" overviews or products.When you offer a beneficial solution, people will certainly take pleasure in working with you.
Voice overs can be fantastic for reluctant individuals. You could wish to use video clip but have actually utilized video clip because you have a hostility to being tape-recorded for others to see. You might simply show your items and afterwards discuss it. Simply tape-record just what you need to say and after that play it over the video.
An academic video or a tutorial could be greater than three minute long, yet most others need to be maintained to under a minute.People do not pay much attention to anything any longer, so gaining their focus for 30 secs and providing them with your message because time is the most effective way to obtain them to see all of it.
Take notice of exactly what people consider the feedback you produce. The whole factor of your video clips is to get attention as well as keep it. If your audiences are not entirely pleased with your current videos, pay attention to their comments.
Currently you know how to utilize Videopal review advertising correctly. You stand to enjoy excellent benefits and boosted revenues. Keep the suggestions you simply review in mind as you start.


text:
Fashion Show at Bohème Sauvage
Flapper at heart Collection - Fashion Show
The day finally came, where we got to show our flapper at heart collection to the world. Our fashion show happened within the Bohème Sauvage event, which this time staged at Heimathafen Neukölln, Berlin. It was a buzzing and exciting evening with around 700 guests. We had such a great team working behind backstage to make everything possible.
But even greater where our performers: Anja Pavlova, Martini Cherry Furter, Foxic Poison, La Rubinia, Julietta La Doll and Giedre Paplaityte. As you can probably already tell by their names, these are not your regular runway models but the crème de la crème of the Berlin Burlesque Scene. We are honored that they were presenting our dresses on stage for us. Check out the images of the show. Thank you at Maren Michaelis for the great pictures.
Copyright Maren Michaelis (marenmichaelis.com) All rights reserved.


text:
Diazepam, marketed as Valium, is a benzodiazepine drug used in the treatment of anxiety disorders, but it can also be prescribed for insomnia, seizures, muscle spasms, alcohol withdrawal accompanied by hallucinations, agitation and trembling, and other conditions. Pregnant women, people with severe liver disease, sleep apnea, severe breathing problems and those allergic to diazepam, should not use this medication. In cases of drug or alcohol addiction, depression, mental illness, suicidal thoughts, asthma or other breathing problems, seizures, and kidney and liver diseases, the doctor should be notified before they prescribe diazepam, and even then, only the prescribed dosage should be taken, since an overdose might lead to death. Diazepam is known to form addiction, so it should be kept out of reach of people with a history of drug abuse.
As for the side effects, since the drug affects the nervous system, diazepam users may also experience dizziness, headache, vertigo, depression, confusion, fatigue and ataxia, but it can disrupts the cognitive and psychomotor function as well. There have been rare reports of increased agitation and hyperactivity, dystonia (spasms and contractions of muscles) and coma, and if used for a long time, diazepam may induce cognitive and psychomotor impairment. A recent study showed that intravenous administration of diazepam led to local irritation and swelling, venous thrombosis and phlebitis in 8% of patients, while 23% reported a palpable venous cord. The incidence of vascular impairment is low.
Psychiatric side effects are more common in children and the elderly, and they include insomnia, nightmares, rage, irritability, delusions, anxiety, hallucinations, aggressiveness, restlessness, behavioral changes and hyper excited states, which is why people with these symptoms should stop taking the drug. Intravenous use of the drug may cause respiratory arrest, which is why resuscitation equipment should be at hand when administering diazepam in this way. It also makes upper airways refluxes less sensitive raising the concern of aspiration.
As suggested by research, withdrawal syndrome is marked by derealization, depersonalization and distorted perception, but patients on lower doses were found not to experience intense or difficult withdrawal symptoms. Abrupt discontinuation of diazepam can be followed by tremor, panic attacks, insomnia, sweating, depression, anxiety, agitation, convulsion, and abdominal cramping. Sexual dysfunction, incontinence, urinary retention and changes of sexual desires are the reported genitourinary effects, while itching; rashes and severe bronchospasm are rare hypersensitivity side effects. Patients with the liver condition should be monitored during diazepam therapy, since granulomatous hepatitis has been reported as one of the hepatic effects, and rarely elevated liver function tests. Diazepam has been reported to cause hypotension and to reduce myocardial oxygen consumption. Blurred vision or double vision has also been reported, as well as skin reactions. should be at hand when administering diazepam in this way. It also makes upper airways refluxes less sensitive raising the concern of aspiration.


text:
Faculty Profile
Elizabeth A. Stuart
Focus Areas: Addiction & Overdose
Associate Dean for Education
Email: firstname.lastname@example.com
Elizabeth A. Stuart
Dr. Elizabeth A. Stuart is a professor in the Department of Mental Health at the Johns Hopkins Bloomberg School of Public Health, with joint appointments in the Department of Biostatistics and the Department of Health Policy and Management. She is also the associate dean for education at JHSPH. She received her Ph.D. in statistics in 2004 from Harvard University and is a Fellow of the American Statistical Association. Dr. Stuart has extensive experience in methods for estimating causal effects and dealing with the complications of missing data in experimental and non-experimental studies, particularly as applied to mental health, public policy and education.


text:
Morning Glory clouds are long tubular formations that can stretch up to a 1,000 kilometers in length. A type of roll cloud, similar formations have been spotted around the world but the area around Burketown in Queensland Australia is the only place in the world where the formation of Morning Glory clouds can be predicted. Each spring (from late September to early November), this rare and unique cloud formation appears in the southern part of the Gulf of Carpentaria in Northern Australia and is visible from Burketown. The altitude at which these clouds form can range from a few hundred meters high to up to two kilometers up in the atmosphere.
These Morning Glory clouds were captured by Mick Petroff in 2009 flying near the Gulf of Carpentaria, Australia.
How do Morning Glory Clouds Form?
This graphic provides a simplistic view of how Morning Glory clouds form. These clouds form when waves of moist air from the sea rise and meet drier air. The cloud forms at the condensation level. The air descending at the back of the wave evaporates. This continual cycle results in the Morning Glory cloud formation.
For more detail, you can learn about how Morning Glory clouds are formed:


text:
Are you scared that your puppy will harm your newborn? There are ways to make your baby safe around dogs. Read on and have fun at home!
Are you scared to come in? I know that you are scared that the moment you open the door, your dog will run and jump on you. He is just excited to see you, and of course to that precious little one in your arms! What will you do?
The fear of your baby's safety is natural. It is a maternal instinct to protect our children from harm. You know well that a dog is a potential hazard to a child.
There are ways to make your baby safe around dogs. I will give you the easiest and practical ideas to keep harmony in the house, as well as prevent you from having an anxiety attack. You see, dogs and babies are a nice combination at home.
Help yourself, and start scrolling down!
Seven Ways to Make Your Baby Safe around Dogs
I understand that you are a dog lover and own several fur babies at home. However, when your own little one is coming, you knew that nothing would be the same. Here are some tips to keep your mind at peace.
1. Conditioning your Dog's Mind
Dogs tend to sniff when familiarizing to a scent but they are poor in adapting to something new. Expose your mutt to kids at the park and let him listen to baby sounds like giggles and cries. Buy ahead your baby essentials like a crib, stroller, bassinet, and walker so your pet will get used to the sight of them in the house.
2. Bring your dog to the vet before the baby is due.
It is terrible to take care of a sick dog while you have a new baby at home. It does not only take your time and energy, but it deprives you of giving the attention to your newborn needs. Ensure that your vet has confirmed that your dog is healthy and safe to be around with your child.
3. Familiarize your dog with your baby's scent.
Dogs remember the scent of their humans. Plan ahead by letting him sniff and look at your baby's stuff before the baby is due. Drip some of your baby shampoo or lotion on the surface. Let your pet get used to the smell.
When the baby is ready to come home, give your dog a piece of cloth that your newborn just wore and let him sniff it. This way, the baby is not something new when she goes home.
4. Give the dog his own place.
Train your dog to know his own boundaries. Gone are the days that he can stay with you inside the room, sofa or during meals. Provide a separate playing pen for your pet and your baby.
Baby's immune system is not yet as strong as an adult is. Limit the interaction between your little one and your dog until such time that they are comfortable with one another and your baby is old enough to resist allergies and probable infections. It would also be safe to provide your little one her own place that is comfortable enough to keep her safe.
5. The Proper Place and Time for Food
Babies love the experience of food. As they grow excited with each new taste, the curiosity and cravings for more grow intense. The moment they get a hold of something yummy, it spells TROUBLE to take it back.
Dogs, on the other hand, have this natural impulse to guide and protect their territory. That includes guarding what holds dear to them, may it be their human friend, a toy and yes, particularly their FOOD. With this nature, do not let your baby go close while the dog is eating.
To avoid danger and chaos at home, keep your baby and dog away from each other during their respective mealtime. I suggest training your dog ahead on eating in its own place and time before your baby is due.
6. Never leave your baby alone with the dog.
No matter how gentle your dog proves himself to be, it is a fact that when it gets hurt, it is an instinct for him to react for defense. Babies do not know how to control their movements yet particularly in times of excitement. They may mistake the dog as a toy that is safe to cuddle, kiss or worse, hit.
As a parent, you need to keep strict supervision to prevent accidents. Besides, they never know what danger is all about.
7. Keep your dog's routine
Do not neglect your responsibility to your dog. Dogs are part of your family as well and do not for forget that he also needs your attention. Do you know that dogs get jealous as well?
Your pet is smart enough to sense the strong connection between you and your baby. Something that you used to enjoy with him before you brought the baby at home. Balance your time and attention and do the same routine you have with your pooch.
As much as possible let your dog feel that nothing has changed.
Even before, I am already a dog person. When I got my pet, it was years before I got married and had a baby. I love my pooch, but of course, having my own baby is a different story.
When I say I can understand your fears, it is true. Giving you these seven ways to make your baby safe around dogs is my way of sharing with you what measures I did to keep my home in harmony. It is also me assuring you that it is possible to enjoy the company of your loyal friend together with your baby and the rest of the family.
Just know the limits and strict to the rules. There are many reasons why you need a dog. I am sure you know them as well. If you find this article helpful, feel free to like and share with your friends.
Hi! My name is Sarah, founder of SarahsLovelyFamily. I love sharing tips and tricks I learned about raising my own family, helping parents like me raise their children healthily while enjoying. You can follow me on Twitter at @SarahsLovelyFam.


text:
These beautiful earrings have a very simple and elegant look with little pearls hanging down. They are perfect for everyday use and can easily be styled together with your exciting jewellery. Made of 100% sterling silver. Avoid direct contact with moisture and fluid for better durability of the coating.
All our jewellery comes in matte, black jewellery boxes made of ECO cardboard.


text:
Your roof is your home's first line of defense against the elements, so it needs to be in excellent condition all year round. Our expert Residential Roofing Raleigh repair team is ready to solve your roofing problems, from leaks and storm damage, to roof replacements and new roof construction. As your local South Point OH residential roofing company contractor, we offer expert solutions to repair any current damage and potential issues and prevent future issues that could damage your home.
There's no point hiring different roofing company contractors to install, maintain, and repair your roof. When repairing roofs, we only use the highest quality materials. Residential Roofing Raleigh repair crews can easily handle a wide variety of roofing systems and materials, including shingle, tile, metal, and shake roof repairs. Residential Roofing Raleigh repair crews are highly skilled, fully trained, and extremely experienced in residential roofing repairs. We stay up-to-date on all the latest technological advances in the roofing industry, using our knowledge to help keep you completely satisfied, secure, and happy with all our workmanship.
Roof Damage Warning Signs
There are some signs that homeowners can be away of to determine if your roof is damaged. The following clues are early signs that your roof needs some attention:
- Curled, Blistered, or Damaged Shingles or Shakes
- Rotted or Moldy Shingles or Shakes
- Algae or Fungus Growth on Shingles or Shakes
- Discoloration or Missing Granules
- Cracked Shingles or Tiles
- Missing Shingles
- Water Leaks or Discoloration on Interior Ceiling
- Water Leaks or Damp Spots in Attic


text:
See what services / repairs we can offer you.
Learn more about our drilling services.
See what water treatments we provide.
Take a look at our previous jobs.
We have 24 hour emergency services.
9559 Henry Court Zeeland, MI
We only use top of the line products that will not rust away or corrode. Contact us TODAY for top of the line products and services.
If you're looking to have a new well drilled,
we can provide you with a FREE estimate.
We also provide FREE phone estimates on services / repairs, and FREE water testing with water conditioning systems!
See our crew on the job and our professional work below. We offer great prices and quality products.


text: Cape Town - With a Cricket World Cup on the horizon, the Proteas will get the opportunity to play more domestic cricket next season.Cricket South Africa (CSA) on Wednesday announced the franchise fixtures for all three domestic competitions for the 2014/15 season.It fixtures were scheduled in such a manner so the Proteas could get the best opportunity to get enough playing time ahead of the 2015 World Cup in Australia and New Zealand."With the ICC Cricket World Cup taking place next year February and March, we have scheduled the Momentum One-Day Cup to start as usual in October but the final rounds of league competition and the knock-out phase will take place in January and February 2015," commented CSA Chief Executive, Haroon Lorgat."This will allow our national players the opportunity to play competitive 50-over cricket before they depart for Australasia."As a result the RAM SLAM T20 Challenge will take place in November and December and again there will be opportunities in the latter stages of this tournament for those Proteas not involved in the Test Series against the West Indies to show their skills."CSA declared last season's triple-header at the Cell C Festival of Cricket a huge success and has decided to repeat the concept. The opening round of league play in the RAM SLAM will be a triple-header at the Wanderers in November, there will be another triple-header round at Kingsmead and the penultimate round will be a third triple-header at Bloemfontein's Chevrolet Park."The triple-header T20 fixture was exciting for both players and fans and we will repeat this concept on a rotational basis across the country."The season will start and finish with the Sunfoil Series with the opening rounds being played at the end of September involving those franchises not involved in the Champions League T20 Tournament in India.Domestic competitions: - The One-Day Cup will run from Friday, October 10 to Sunday, October 26 before breaking for almost three months until Friday, January 23 with the final scheduled for Sunday, February 15. - The RAM SLAM T20 Challenge will start on Sunday, November 2, and will run continuously up to the final on Friday, December 12. - The Sunfoil Series four-day competition starts on Thursday, September 25 with the final round of games scheduled for Thursday, March 26, 2015. The competition will span the months of September, October, December, January, February and March.


text:
Queen fever has hit the UK. No, not for the woman in the crown, but for the iconic band whose music is the soundtrack for many people's lives, including my husband who is a MASSIVE fan.
The new movie Bohemian Rhapsody has proved that the band still has a huge fan base but nothing beats live music and that's where the Queen Extravaganza comes in as the perfect night out for die hard fans who want to enjoy the next best thing to the real thing.
The new movie Bohemian Rhapsody has proved that the band still has a huge fan base but nothing beats live music and that's where the Queen Extravaganza comes in as the perfect night out for die hard fans who want to enjoy the next best thing to the real thing.
The hugely popular live band performance, returns to rock the UK with the 'Queen Extravaganza Tour'
Back in the UK by popular demand 'Queen Extravaganza' was one of last year's fastest selling theatre tours. Queen fans will be thrilled to learn that there will be another chance to hear all their favourite Queen songs performed live, when the official tribute band created by Roger Taylor and Brian May, return to the UK for another series of shows this year. They will celebrate the UK's biggest selling album of all time 'Queen Greatest Hits' released in 1981 which sold over 6.1 million copies in Britain alone.
'Queen Extravaganza' Tour Tickets are available via: www.seetickets.com. The 2018 dates follow the band's 2015 and 2016 sold out UK tours which celebrated the 40th anniversary of Queen's iconic album, 'A Night At The Opera'. The tour culminated with a headlining show at the legendary Hammersmith Apollo in London, a venue once played by Queen themselves in the 1970s.
'Queen Extravaganza' – described by the legendary Roger Taylor himself as 'A rock celebration in the Royal tradition' and designed to enable new fans and old to celebrate the music of Queen - will play 17 shows across the UK from October 2018.
Most of the dates are already over and done with but there are still tickets for the grand finale in London on November 22.
The 'Queen Extravaganza' Tour 2018 promises to deliver all the greatest hits any Queen fan could want to hear:
"We Will Rock You/We Are the Champions', 'Another One Bites the Dust', 'Killer Queen' , 'Somebody to Love', 'Fat Bottomed Girls', 'Bicycle Race', 'You're My Best Friend', 'Crazy Little Thing Called Love', 'Now I'm Here', 'Play The Game', 'Seven Seas of Rhye', 'Body Language', 'Save Me', 'Don't Stop Me Now', 'Good Old Fashioned Lover Boy', 'I Want to Break Free', 'Radio GaGa', 'Under Pressure'…all will be presented 100% live by some of today's finest musicians hand picked by Roger Taylor and Brian May themselves.
Brian May said: "Queen aficionados !!! This may be your only chance to see ALL of Queen's Greatest hits performed immaculately – LIVE !!"
"These guys are incredibly talented, with their scintillatingly perfect recreation of our songs" says Roger Taylor.
The band are formed of a regular, rolling line up of musicians, hand picked by Roger & Brian themselves. The show is produced by Roger Taylor and designed by long time Queen creative team, Ric Lipson from Stiffish and lighting designer Rob Sinclair.
Now headed for their sixth visit to the UK, the 'QuEx' as they are known by their avid fans, have already played over 160 dates across the world and made appearances on TV shows such as American Idol where the performance was seen by over 20 million people.


text:
When a motor vehicle accident occurs, the possibility exists that criminal charges could stem from the event, depending on the circumstances. Authorities have the duty of investigating these events to determine what factors contributed. If alcohol is suspected, charges could result, and if a death also occurred, an accused person will certainly want to explore his or her criminal defense options.
It was reported that one man was recently taken into custody in relation to a fatal motorcycle accident that took place last year in Florida. Apparently, the man was driving a motorcycle and a female passenger was also on the vehicle. The man reportedly entered a roundabout and failed to successfully travel through the circle. As a result, the motorcycle crashed into a wall around the roundabout's center island.
The passenger was ejected from the motorcycle and suffered fatal injuries as a result. The driver suffered life-threatening injuries at the time of the event. Also at that time, police conducted a blood draw, which they used to test the man's blood alcohol concentration level. The results of the test allegedly indicated that the man's BAC level was .137 percent. He was recently charged with DUI manslaughter.
Anyone's life can change in an instant, and this Florida man undoubtedly regrets the event that led to this woman's death. Still, he must now contend with the criminal charges brought against him. In efforts to do so, he may find his best path for handling his case by thoroughly reviewing his available criminal defense options.


text:
On March 18, Vladimir Putin secured 76 percent of the vote, for yet another electoral victory as the president of Russia. He has been the president or prime minister of Russia since 1999 and will rule for at least another six years.
Shortly after President Putin's victory, U.S. President Trump called Putin to congratulate him. President Trump's congratulatory call is disturbing on many levels.
The United States is the leader of the Free World and aims to promote democracy. Therefore, the United States should never support any country or regime that doesn't aim to promote these values.
Since Putin has held power, he has had a notorious reputation for rigging his elections. This election wasn't any different.
For starters, Putin barred his biggest opposition threat, Alexei Navalny, from running in the election.
With the four others involved in the race, the closest anyone came to contesting Putin was Pavel Grudinin, who only received 12 percent of the vote. That wide of a margin with four other competitors raises skepticism about the validity of the election.
An independent election-monitoring group, Golos, discovered many things to prove this election was by no means "free and fair." Golos found that observers were not allowed at some polling stations, that various objects obstructed webcams and that people were bussed in, which drew suspicion of forced voting. Video footage from the election commission's live stream then revealed that election officials stuffed ballots into the ballot box.
President Trump's failure to adhere to his national security experts and the Intelligence Community was just as disturbing as Putin's anti-Democratic tactics.
Several experts in the Intelligence Community concluded that Russia meddled in our elections. This is a threat not only to our democracy but also to our national security.
If Russia can influence our most significant election, then it may very well possess the capability to hack our infrastructure or financial institutions.
The most shocking part about the congratulatory phone call is that President Trump ignored the advice of top national security advisers, who wrote "DO NOT CONGRATULATE" on one of his briefing materials.
These advisers were well aware of the type of message it would send for the president of a revered democracy to congratulate a victor of a coerced and rigged election, but President Trump didn't care.
The U.S. is the international symbol of democracy, freedom and peaceful ideals. With that said, we don't recognize and respect unfair elections, and we shouldn't bow down to any threat to our national security.
Tyler Jordon is a senior political science major from Charleston, West Virginia.


text:
Cutting edge, compassionate care for women.
Region's most innovative gynecology practice, Montgomery Gynecology. We offer comprehensive women's health services in a welcoming, boutique-style setting.
Led by Dr. Hema Jonnalgadda, our office consistently maintains the highest standards for patient care. Discover compassionate care by a doctor who is expertly qualified in managing gynecological health issues by making your next appointment with us.
Patient Testimonial
I had a wonderful experience with Dr. Hema and her staff. Signing in was very easy with the receptionist and Dr. Hema was great. She took time to talk…Read More
Patient Testimonial
Dr. Jonnalagadda is kind and compassionate, and always takes her time. A good listener. Makes you feel comfortable. Wouldn't go anywhere else. Shout-o…Read More
Patient Testimonial
Great practice! From the moment you walk in, you know you're in the right place. Very pretty purple walls and inspirational quotes in each room. The s…Read More
Patient Testimonial
I was able to get an appointment quickly as a new patient. Upon arrival I was greeted in a very professional and courteous manner. I was seen o…Read More
115 Plymouth Road, C-1, Suite 5
Plymouth Meeting, PA 19462
Located in the Cold Point Village at the intersection of Butler Pike and Plymouth Road


text:
Custom Magnets – Why They Outsmart The Conventional Marketing Tools
There can't be any fridge door or filing cabinet without a magnet or two. Apart from adding a speck of color to the otherwise bland surface of the refrigerator, magnets double up as a hold up to keep their little reminders or shopping lists. Magnets have a casual charm about it and will grab easy attention. No wonder businesses have been using these hugely popular items to promote their business and get across their message.
Custom magnets are great for all types of businesses as these can be personalized with your brand, message and even theme colors to make it double up as your business card. Still thinking?
Here are some valid reasons why you should use save the date magnets in your promotional mix.
- Budget friendly: Custom magnets are mostly cost effective and have one of the lowest costs per impressions. Cheaper than most traditional advertising methods like print or electronic media advertisements, magnets will make consistent impressions all its life without repeat investment or effort.
- Handy: Light weight and easy to store and distribute, custom magnets will fit snugly on work desks and fridge doors. The good thing about magnets is that these can be used at home, office or even on the move to take your brand recall into a higher plane. Custom magnets will get your message seen many times every day and your recipients will surely think about your brand when they need your product or services.
- Eye catching : Magnets grab easy attention of your targeted audience. By putting your brand on it, you can inspire them to try your products and set off word of mouth publicity. It is the best way to announce new product launch or new store opening as save the date magnets will not just keep the date of the event right in front of the eye span but will keep your brand the banter topic in their social circles.
- Brand promotion: Magnets will get a lot of eyeballs, which means your brand name will get popular among a larger audience during tradeshows and business events. Not many custom handouts can match the charisma of custom magnets in leaving a lasting brand impression.
- Magnets make great collectibles: Personalized magnets make great collectibles to celebrate milestones and special occasions. Imprint the milestone celebration message on it to make it a perfect souvenir for your regular customers and employees that will motivate them and make them feel appreciated.
Choose from a range of custom magnet models like business card magnets, sports schedule magnets, calendar magnets and more and make your brand promotions truly special.


text:
The Benefits of Awarding Your Employees
Recognition as well appreciation are surely very important and essential things in order to keep the spirits of workers high. This is the reason why the company management must be able to provide those employee recognition awards. In the present times where attrition rates are high and the employees are ready to find other jobs to have better opportunities, then it is quite important for the company management to appreciate workers who would provide their talent and hardwork. With this, you can surely motivate them and they will also remain loyal to the company. It is quite essential for the many companies to provide a part of their budget for recognition awards which they must periodically offer to the workers.
It would be a great thing to have fresh talent and employ new workers but one shouldn't forget that these experiences are really essential. When one can retain their employees, then they can really save much time that they would have spent in training the new workers. It is really a great thing to offer appreciation to the employees due to their hardwork. This is because if the employees feel that they are appreciated for their work, then they will be more enthusiastic and also they will be motivated to do good for the company where they work.
You should also understand that retention and motivation are quite beneficial to the company in order to get more profits. Know that investing in the employees would always pay off and such is more profitable and thus, management must take every chance to appreciate the work which their best employees do as this won't just make them work harder but can also motivate the others to work more and work to achieve the award.
There are various options on what the company can offer to the workers. Employees would appreciate the trophies since they can show them off to other workers and they would also value something that can be useful for them and the family. Employers can find various options when they would look for recognition awards for the staff. One must remember that what they would give is being appreciated by the workers. However, you have to make sure that you give something that is really good so that you can help boost the morale and the motivation of the workers. You must know that selecting the awards and taking into account the company's budget and also the employees are really important to help in the growth of the company.
There are definitely several things that such benefits can offer to your workers. If you want, you may have the custom medals which are great items to have as well.


text:
Coconut Bliss Sandwich
An Innovative Product Bridging the Dairy Gap
Bridging the Dairy Gap
"This past year has been big for innovation in the gluten free and dairy free category, with new products appearing across multiple segments. Leave it to these innovators to create products layered with flavor, rich in texture and loaded with nutrient-dense ingredients. Coconut Bliss offers two hemp seed chocolate chip cookies which pair nicely with organic coconut milk frozen dessert."


text:
The "Carboy Bumper" from MoreBeer – $13.99, Limited Availability
The Carboy Bumper from MoreBeer. Easy to use, protective pads for the bottom of your carboy.More Info
From the product description, check product page for current description, price and availability:
Glass carboys make great fermentors but glass is fragile. Especially when dropped onto the hard ground with 5 gallons of beer in it! The Carboy bumper was designed to preserve the life of your carboy by protecting it where it needs it most. You move your carboy around a lot and everytime it bumps or knocks into the ground. The carboy bumper protects the bottom of your carboy to minimize the risk of damage from the stresses of day to day use.
The Carboy Bumper is made from high performance materials. The shock protection comes from PORON® foam. This foam absorbs shock from hard landings and bumps that overtime can create microfractures in your glass carboy. The adhesive is a specialized 3M adhesive film that is water and chemical resistant. Anti-fungal, Anti-microbial, and Anti-bacterial ensure that the Carboy Bumper will stay on even through repeated use.
These easy to use pads will fit any size glass carboy or demijohn so that you don't have to worry every time you set your carboy down. These pads are made in the USA and are cheaper than having to buy a new carboy!
Limited Availability Deal of the Day: As of this posting, this is marked down to $13.99 as a MoreBeer Deal of the Day. Shipping is also free to addresses in the contiguous US with most $59 Orders. Availability: This is available today only, while supplies last. Quantities are limited. Check the MoreBeer's Deal of the Day to check today's offering.
Product Description – Here – Use coupon code BEERDEAL to get this discount.
Related: Yeast: The Practical Guide to Beer Fermentation & Best Sellers in Lab Erlenmeyers – via Amazon | StirStarter Stir Plate | Yeast Starters and Fermentation Resource Page
MoreDeals! at MoreBeer:
- Hundreds of Sale Items: ALL Sale and Clearance – By Category – Sort by: Most Popular | Best Rated
- The Hop Market – rotating, deep discount hops!
- MoreBeer's Kit of the Week: Kit of the Week – 20% off
More: Recent MoreBeer Finds
Looking for a MoreBeer Deal? – Today's Deal of the Day | Sale Items | MoreBeer Deals


text:
Layout is designed from the ground to tell the story of your day
You can select the pictures you want for your album, or let the photographer do it for you.
The album has to please you, so you have the final word on the layout.
Wood, Real Leather, Plexiglass cover with a printed image, Velvet, Glitter. Text could be embossed on some cover and box!
Keep your album protected from the sun and the dust, within a beautiful wood & leather box.
Of course your photo album is printed on high quality photo paper that restitute all color variations.
You can chose, for no cost, among a wide variety of materials and colors for your album and box. Luxury material, Linen, Velvet, Wood and Plexiglas. Only the Real Leather is more expensive.
Pages are made with real photograph paper, which means that pictures are printed on the page (not glued on it). It is a real and thick fuji photo paper made to last forever (not cheap internet quality). The paper weight is 450g/m2, so it means each sheet weight is 900g/m2 (made by two sides). It is of course a flat-opening.
For more details on different kinds of photo prints visit my F.A.Q. page.
NEW KIND PAPER: Velvet effect. Some additional fees apply, ask for a personal quote.
All albums starts at 40 pages. I recommend selecting a maximum of 4 pictures per page. Usually, 40 pages is enough. After your wedding, you can decide to upgrade to an album with more pages if you want.
All 12×12″ albums are delivered with a luxury box of the same material. The box protects your album from moisture and dust. It improves your album conservation. Box for the 8×8" Parents album are available with extra costs.
With the web gallery, you can easily select the pictures you want in your album. Then I make the design. If you have any specific wish, please tell me before! When the album is ready, I send you a proof. You can then ask to modify each spread once. Extra modifications will then be charged 15$/spread (1 spread = 2 pages, left & right).


text:
A report on Coconuts Jakarta , dated 20 March 2019, reveals admiration for the young Australian who broke an egg on the head of Senator Anning in protest of the Senator's comments regarding Muslim immigrants to Australia.
Click on the image to read the article online.
Warning: This site has lots of advertisements.


text:
Check Out the Ziibiwing Center's
New E-Commerce Site!
NativeDirect.com is an online retail outlet for Ziibiwing's Commercial Services Department. Open since June 2009, the NativeDirect.com webstore houses Anishinabe fine art, jewelry, arts & crafts, apparel, books & media, logo merchandise, corporate jewelry, and much more!
The NativeDirect.com webstore consists of four local Anishinabe retailers operated by the Saginaw Chippewa Indian Tribe of Michigan. The retail outlets include the Dawe-Wi-Gamingoonse (Main) Gift Shop, Naanooshke Gallery, Jeemon-Aince (Slot Palace) Gift Shop, and the Meshtoonigewinoong (Ziibiwing) Gift Shop. Three stores are located within the casinos and the Meshtoonigewinoog Gift Shop is located within the Ziibiwing Center.
In addition, NativeDirect.com also sells Ziibiwing membership opportunities. There are a variety of memberships to choose from including Basic to Premier Levels. Some benefits of becoming a Ziibiwing Member include free unlimited year-long admission to the museum, 10% discount at the Ziibiwing Center Gift Shop and NativeDirect.com., the weekly E-Noodaagan electronic newsletter, upcoming events calendar, and much more.
Daily online discounts on specialty products are also available under the Specials Tab! This week's special is on Soy Basic Candles. BUY TWO or MORE and RECEIVE 50% OFF EACH CANDLE.
For more information on Anishinabe Fine Art and Ziibiwing Memberships visit
www.NativeDirect.com or call (989) 775-4783


text:
By Jeff Sanford
Toronto, Ontario — April 17, 2016 — The pace of consolidation in the North American collision repair space moved ahead at a rapid pace in the first quarter of 2016, with Winnipeg outfit Boyd Group adding as many companies to its chain in Q1 as it added all of last year.
"The consolidation activity has been increasing, that's for sure," says Brad Mewes, an industry consultant. His firm, Supplement!, recently released a report on Q1 consolidation rates. The Newport Beach-based consultancy finds the first quarter of 2016 was busy with deals happening at a very healthy clip.
The report notes that three other companies appear to be growing at a similar pace to previous years and that in the first three months of 2016 the four largest consolidators added 92 locations. This is as many locations acquired in total in all of 2012, says Mewes.
"Consolidation in the collision industry continues to march forward at an astounding pace. The largest companies in the industry continue to aggressively grow through acquisitions, or by buying existing collision repair operators. And as these companies continue to aggressively expand we see continued consolidation in adjacent segments that sell into the industry, especially in paint distribution and parts distribution," reads the report.
In the first quarter of 2016 all four consolidators continued to "grow aggressively … In the first quarter of 2016 the Boyd Group has already added more locations than they added in all of 2015," according to the data.
The strong growth is just another bit of good news for Boyd Group. The company has been basking in the glow surrounding a string of solid positive developments.
This winter the company was added to the TSX S&P 50 as a component company, giving Boyd instant new vision and clarity among big institutional investors like pension and mutual funds. Boyd also recently announced that it had generated more than $1 billion in revenue. The news led to a huge overnight bump in the stock price as investors continue to clue-in to the good story going on at Boyd.
Mewes notes in his report that the company's CEO Brock Bulbuck, believes his company is well positioned to grow "at an average rate of 15 percent a year, or doubling in size again within five years," or possibly sooner if the company completes any number of large acquisitions."
The consolidation action is not confined to Boyd either. All in, North American collision repair industry consolidation continues at a rapid pace.
"Whereas 2013, 2014 and 2015 could be described as raucous a very notable shift has taken place in 2016. While the overall pace of acquisitions has not slowed, the clamour surrounding them certainly has," says Mewes. The narrative may be more measured, he notes, but the growth is anything but, "Each of the four largest companies in the industry have realized a five year compound annual growth rate in excess of twenty percent. In other words, each has more than doubled in size over the past five years. In fact, the fastest growing of the group, Service King, has increased the number of locations six fold since the beginning of 2012 through the end of 2015."
According to Mewes the industry is now a $36 billion one. The four largest consolidators account for about $4.5 billion in revenues for about 13 percent of total market share to date. MSOs with revenue greater than $20 million in account for another 6 percent of market share.
"The industry, while consolidating, still remains highly fragmented. But while the industry is fragmented, it is increasingly bifurcated into very large and very small," says Mewes.
He expects consolidation to continue. "It is a near certainty that consolidation will continue in collision repair, as well as the sectors surrounding collision repair. Growth by acquisition will continue to make sense for a number of reasons," says Mewes. "Organic growth is tepid, and claims frequency is generally flat to declining. Acquiring growth is often faster and more cost effective than growing internally … although both are important … Industries also naturally consolidate over time."
The automotive aftermarket, including collision repair, paint and parts, is still highly fragmented. The fragmented nature of the market creates inefficiencies in the supply chain. At the same time a growing group of small business owners are approaching retirement. With a number of well-capitalized savvy and sophisticated buyers eager to acquire these baby boomer businesses, the consolidators will come in, allow the boomers to retire, while enjoying the fruits of the new efficiencies and scale.
Says Mewes, "Many smaller MSOs and single or dual location businesses find it challenging at best to expand same store sales by any amount in the current economic environment. While 2015 was generally an up year for many in the collision industry, many companies, public and private, are hard pressed to consistently achieve a 5 to 7 percent top line growth rate when excluding acquisitions. This is an ongoing testament to the attractiveness of the multi-store business model in the collision industry, even more so when taking into consideration the fact that Boyd has doubled in size and exceeded a billion dollars in revenues in a few short years."