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Growth in China's alternative finance market slowed in 2017 but still reached $358 billion and accounted for 99 per cent of the Asia Pacific region's alternative finance market, says the 3rd Asia Pacific Region Alternative Finance Industry Report.
China's alternative finance industry accounted for 99 per cent of the overall Asia Pacific market volume in 2017, although its growth rate slowed in 2017 to 47 per cent (from 138 per cent the previous year) to total $358 billion, the 3rd Asia Pacific Region Alternative Finance Industry Report reported today (28 November).
The slower growth in the Chinese alternative finance market reflects consolidation in the industry amidst regulatory measures, said the report. The rest of the Asia Pacific region, in contrast, saw rapid growth in alternative finance in 2017, increasing 81 per cent year on year to $3.6 billion.
This report is jointly produced by the Cambridge Centre for Alternative Finance at Cambridge Judge Business School, University of Cambridge, the Academy of Internet Finance at Zhejiang University and the Asian Development Bank Institute. This report was also generously supported by KPMG Australia, Invesco and CME Group Foundation.
The report is based on data collected from 340 alternative finance platforms in 29 countries across the region, in addition to 782 platforms in China.
Outside of China, Australia was the market leader in Asia Pacific for a third year running, up 88 per cent to reach $1.15 billion, driven largely by balance sheet business lending. South Korea was close behind at $1.13 billion, up nearly 200 per cent from the previous year, driven by peer-to-peer (P2P) property lending and real estate crowdfunding.
Business funding across the Asia Pacific region (excluding China) accounted for 61 per cent of all volume, the equivalent to $2.23 billion, with debt-based models responsible for 98 per cent of this volume.
The trend toward institutionalisation of funding continued to grow across the Asia Pacific region, particularly in balance sheet models (93 per cent) followed by P2P/marketplace consumer lending (43 percent) and invoice trading (42 per cent). The Indian market took the lead in this area, with 74 per cent of its funding coming from institutional investors, followed by Australia at 65 per cent.
Regulation remains a vibrant issue across the region, and regulatory clampdowns has led to a fall in the number of platforms operating in China. Across the Asia Pacific region, 79 percent of firms surveyed viewed the future of regulation as "unclear or unstable" – and an estimated 15 per cent of their operating budget is related to regulatory matters.
Dr Robert Wardrop, Director of the Cambridge Centre for Alternative Finance, said:
"This report marks our third year of tracking the growth and development of online alternative finance industry in the Asia Pacific region. This year's report illustrates the geographically uneven yet considerable growth of online alternative finance in many countries across the Asia Pacific region."
Professor Ben Shenglin, Dean of the Academy of Internet Finance at the Zhejiang University, said:
"The alternative finance market in the Asia Pacific region has experienced a challenging period of transformation from quantity to quality. Developing countries have experienced an inadequacy of regulatory capabilities, where too much regulation leads to the cessation of activities altogether, but no regulation leads to a messy market. However, the gradually emerging ecosystem built by enterprises, governments and industry associations will lead to a bright future."
Naoyuki Yoshino, Dean of the Asian Development Bank Institute, said:
"Fintech innovations often involve the adoption and adaptation of new technologies, and the merging of activities of the financial sector with others such as telecommunications. All of these developments require that the progress of regulatory and supervisory frameworks to address them needs to be monitored as well. We at the Asian Development Bank Institute are very pleased to have participated in this study and hope that its results will provide valuable information and analyses to promote the role of fintech in supporting the development of financial access in Asia."
Ian Pollari, National Sector Leader, Banking and Global Co-Leader, KPMG Fintech Practice at KPMG Australia, said:
"This third annual comprehensive study of the Asia Pacific online alternative finance market contributes to the growing body of data supporting the region's development. The 2018 report highlights a Chinese industry with a slower pace of growth that is undergoing regulatory changes to enhance the governance practices and the long-term transparency and sustainability of the market.
"Whilst China remains well entrenched as the largest online alternative finance market in absolute terms, both globally and regionally, the report also shows the rapid growth in the rest of the Asia Pacific region, with both Australia and South Korea recording market volumes in excess of the $1 billion for the first time."
Dave Dowsett, Global Head of Technology Strategy, Innovation, and Planning at Invesco, said:
"The financial services industry is standing at the threshold of unprecedented disruption. The fourth industrial revolution is upon us, and companies are investing record amounts of capital into innovation to ensure their relevance and competitiveness are maintained. As a part of this fourth industrial revolution, a growing alternative finance industry is changing the way individuals and organisations interact with flowing global capital and envision new kinds of products and distribution methods. The projection for advancement in alternative finance based on the findings uncovered in this report show that the opportunities remain enticing across the Asia Pacific region. As digital experiences mature, traditional financial models and instruments and the emerging technologies driving alternative finance such as artificial intelligence, process automation, and blockchain collide and intertwine."


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Newell B. Robinson, MD
Newell Robinson, M.D., is Chairman of the Department of Cardiothoracic and Vascular Surgery at St. Francis Hospital. He is one of the country`s leading experts in minimally invasive cardiac surgery, including heart valve repair, and has been a top researcher on a number of clinical trials at the Hospital. Dr. Robinson has been consistently recognized for his contributions to cardiothoracic surgery, including being listed as one of the Best Doctors in New York Magazine, as well as one of America`s Top Surgeons and NY Metro Top Doctors. He is board certified in Surgery and Thoracic Surgery and is a member of several professional societies and associations, including the Society of Thoracic Surgeons, the American College of Cardiology, and the American Heart Association. Dr. Robinson was also a co-principal investigator for the CoreValve trial, a major nationwide study that continues to revolutionize the treatment of aortic stenosis.
- Cardiac Surgery
Hospital Affiliations
- St. Francis Hospital
- Good Samaritan Hospital Medical Center
Education and Training
- Medical School, University of Mississippi Medical Center School of Medicine, Jackson, MS
- Internship, New York Hospital-Cornell Medical Center, Manhattan, NY
- Residency, New York Hospital-Cornell Medical Center, Manhattan, NY
- Fellowship, Memorial Sloan Kettering Cancer Ctr, New York, NY
- Fellowship, New York Hospital-Cornell Medical Center, Manhattan, NY
- Primary LocationCT Surgery - Roslyn100 Port Washington Blvd, Ste G01Roslyn, NY 11576Ph: (516) 627-2173Fax: (516) 365-5813Get Directions

subset: commoncrawl


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Overall GCSE results in schools across Brighton & Hove have improved this year, according to a key new performance measures introduced by the government.
'Attainment 8' shows average attainment at individual schools across eight subjects.
Last year the city's overall Attainment 8 score was 46.8. The figure for this year is 48.0.
Most GCSEs are now being graded from 9 to 1, with 9 being the top grade. Government guidance advises that a Grade 4 is considered a 'standard' pass.
This new system was introduced last year for maths and English, but this year nearly 20 other subjects (full list below) are also being graded in this way.
The exams themselves are also seen by many as being tougher than before.
City-wide figures received from schools today in the key maths and English accountability measures required by the government are as follows:
|Grades 9-4 in maths
|Grades 9-4 in English
|Grades 9-4 in English and maths combined
The results for this year are provisional, and will be subject to formal verification later in the year.


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As 2017 is coming to a finish, ŠKODA are driving into 2018 on a high. In a recent article in Daily Mail, Chris Evans listed his top 10 cars of 2017.
Amongst the top 10 there were, Honda Civic Type R, Mercedes AMG E63, Alfa Romeo Giulia Quadrifoglio, Tesla, VW Golf GTI/GTE, Ford Raptor, Mercedes AMG GT-R, Aston Marin DB11, Ford GTI and ŠKODA Superb Sportline, but his all time top 3 vehicles are as follows:
Placed in 3rd was Mercedes AMG GT-R which looks appealed to Chris as it "shouldn't be anywhere near as gorgeous as it is".
2nd Place was Ford GT which he said is the 'best for wow factor'.
Then in 1st place is of course, ŠKODA Superb Sportline. Voted 'best of the year!'. The Superb Sportline is his 'baby' and 'pride of joy'. After being so blown away by the car, Chris immediately phone ŠKODA and purchased one. When it looks stylish, has extreme comfort and can be driven in four different modes, who would't want to buy one?!
ŠKODAS are everywhere, according to Chris. "I was in Ireland recently – loads of ŠKODAS; Iceland – loads of ŠKODAS; Austria – loads of ŠKODAS". It's not just Superbs he sees, it's also Yetis, Octavias and even Kodiaqs.
He finishes by saying 'Lots of people can't believe that my daily drive is a ŠKODA. I can't believe everyone doesn't drive one." and we can't believe it either!
If you want to read the full article, click here!
To book a test drive in any of the ŠKODA range, call 01493 809814 and ask for either Darren, Lee or Paul.
Below: Images of our Superb Sportline Demonstrator.


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A Thought: Endurance.
Everyone at one time or another has, or is going through, something in silence. Maybe problems in the family; with finances; work; health; or relationships. Because we are unaware, someone being a bit 'grouchy' or 'withdrawn' may not have a thing to do with you, but simply an indicator of what they are experiencing. When we remember this, we should practice a bit of compassion. Bear in mind and in faith, that God will bring good out of pain; Purpose defined through struggles, and rewards for faithfulness! Happy Thursday!
God Bless you!
Rom.8:28 "All things work together for good to those who love the Lord and are called to His purpose."


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I am Oliver D. Gray Jr. ("O.G."), also known as the "Magic Johnson" of insurance because I assist families and businesses in creating generational wealth for their families and loved ones.
For me, it all started when I was 17 years old. My father was 36 years old and suffering from kidney failure. After going out to dinner one Friday night he came home only to wake up barely being able to stand up due to the malfunction of his kidneys. While in the hospital my father caught pneumonia and passed away on the morning of my senior prom. My life was changed forever from that moment on. My father had no life insurance to help with the financial burden for me and my sister who was 11 years old at the time. Unbeknownst to me, the insurance seed was planted at that very moment.
Years later after graduating from college and finally paying off my student loan debt I started my own family. We vacationed in Sanibel Island Florida every summer which led to a growing desire to leave my hometown of Philadelphia, Pa. My wife at the time had an elderly aunt whom she would check up on often. When she unexpectedly found her dead one weekend she became the executor of her aunt's estate. She found an in-force insurance policy that made her the sole beneficiary of the policy. The policy provided enough money to make our Florida dream come true. Your family is your most valuable asset!
The insurance industry is constantly changing and continuing education is vital to staying ahead of industry trends. To better serve my clients there are several organizations I belong to along with continuing education courses that are required by the state of Florida.
-National Directory of Insurance Agents
-Florida Department of Financial Services
-National Association of Insurance & Financial Advisors (NAIFA)
-Life Insurance Agents Group
-Insurance Professionals
-Life Health Pro
When it comes to enjoying my spare time, I am an avid bass fisherman. I also enjoy the beach, barbecues, watching a good movie, and reading a great book. I try to attend as many sporting events as I can, with my favorite teams being the Eagles, Sixers, Flyers and Phillies (all from my hometown of Philadelphia)!


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Wedge 75mm Post Extender raises the height of an existing fence post to allow the fitting of trellis. The post extender is brown in colour and is suitable for 75mm posts, using the wedge Grip style which holds each post in a vice like grip without the need for nails or screws.
- Suitable for 3" Posts


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Library of Heaven is Path
526 Selection Round
Library of Heaven is Path Author:Heng Sao Tian Ya Vote(32) Comment
Chapter 526: Selection Round
Translator: StarveCleric Editor: Millman97
Stepping into the lounge, Zhang Xuan saw Su shi and Ling shi seated on the chairs by the side. Upon seeing him, the duo seemed visibly relieved.
If not for the ruckus he had caused at the herb garden a while ago, they wouldn't have known that Zhang shi was already in the city.
As soon as Zhang Xuan entered, Su shi immediately stared at him expectantly and asked, "May I know if... Yang shi is in Myriad Kingdom City as well?"
Back in Tianwu Kingdom, Yang shi had helped him reach the seventh circulation of the Miniature Solar Art, thus inducing a huge leap in his cultivation. Even until now, he was still grateful to the other party for his help.
Inviting Zhang Xuan over to the Master Teacher Pavilion was only one of the reasons behind his visit. The other one was to meet his benefactor.
After all, the other party was a master teacher who was likely to exceed 6-star!
Otherwise, there was no need for the two of them to come personally just to meet a 2-star master teacher.
"My teacher... is currently wandering around the lands. I have no idea where he is either!" Zhang Xuan replied.
The 'teacher' Zhang Xuan spoke of was actually referring to Zhang Xuan himself. It was already so difficult for him to fool this duo; given that there were so many experts here, if he were to get caught playing off as Yang shi here, he would surely be a goner.
In any case, just the existence of Yang shi itself was sufficient to induce fear in others, there was no need for him to take such a risk. If people were to realize that Yang shi was actually a fake, the entire situation could backlash on him.
Upon hearing that Yang shi wasn't around, Su shi and Ling shi shook their heads in disappointment. However, they soon recovered and said, "In truth, Ling shi and I are here because we have something we require your help on!"
"Su shi, please speak!" Zhang Xuan nodded.
"It's like that. We have invited you to participate in the Master Teacher Tournament before... May I know if Yang shi has talked to you about the matter yet?" Su shi asked.
Back then, in Tianwu Kingdom, they had once brought up the matter with Zhang Xuan, but Zhang Xuan seemed to be slightly hesitant about agreeing. In the end, it was Yang shi who accepted it in his stead.
Even though Yang shi said he would persuade Zhang shi on their behalf, it was best to double confirm the matter before jumping into any conclusion.
"My teacher has told me about it! As long as I become the champion, I'll be rewarded with middle-tier spirit stones. Don't worry, I've agreed to it already!" Zhang Xuan nodded his head.
"Cough cough..."
Choking on their saliva, Su shi and Ling shi fell speechless.
You sure know how to dream!
Twenty-eight powers consisting of innumerable experts. Your talent might be formidable, but they are also geniuses, and not to mention, they have cultivated longer than you.
Our motive in looking for you is just in hopes that you could win us a better placing. Even top ten seems out of reach, champion...
They would only dare to say such words in their dreams.
"It's like that. The Master Teacher Tournament is a battle among the geniuses of the twenty-eight powers, and our Myriad Kingdom Alliance is given the privilege of playing host this year. Pavilion Master Kang hopes for us to get a better ranking this year. Thus... we gathered the top-notch geniuses from throughout the lands for them to pit it out in advance and narrow the group down to just two to participate in the tournament..."
After hesitating for a moment, Su Fan spoke his motive.
"Pit it out in advance?"
"Yes. A total of six candidates have been nominated by the elders..." Su shi said.
As the Myriad Kingdom Alliance was hosting the Master Teacher Tournament this time around, Pavilion Master Kang regarded this event very highly and he hoped that they could win a much better placing from before. As such, he passed down an order for the elders to nominate the most talented genius they could find, and it was for this purpose that Su shi and Ling shi visited Tianwu Kingdom.
However, they weren't the only elders in the Master Teacher Pavilion. The others also made their nominations too, and a total of six candidates were chosen. The duo had to spend a lot of effort to confirm Zhang Xuan's placing as a candidate as well.
Otherwise, given Zhang Xuan's identity as a 2-star master teacher, how could he possibly be qualified to compete with all the other geniuses?
"What you mean is that... you wish for me to participate in an internal selection round conducted by the alliance's Master Teacher Pavilion?" Zhang Xuan quickly understood what the other party was driving at.
"That's right. Only two participants from each power are allowed for the Master Teacher Pavilion. Thus, there's a need for us to conduct a selection round among the six candidates. The two finalized candidates will become a target of grooming for the Master Teacher Pavilion for the next two months so as to prepare them for the Master Teacher Tournament!" Su shi said.
The most practical way of getting a good placing was to train harder. Even if it was a last-minute effort, two months should be sufficient to achieve significant results.
After hearing the explanation, Zhang Xuan came to a realization.
The Master Teacher Tournament was a huge event which the Myriad Kingdom Alliance and twenty-seven other powers were involved with. Even with Su shi and Ling shi's recommendations, the alliance couldn't give the slot so easily to him.
After all, he came from a humble kingdom. It had only been three months since his rise, and it was extremely normal for him to be doubted by others.
Zhang Xuan didn't think much of the situation. In any case, he was also curious to see where he ranked among the geniuses of the Myriad Kingdom Alliance.
After settling Lu Chong's matter, he would concentrate his effort on cultivating so as to reach 9-star master teacher before thirty. Otherwise, once the Innate Fetal Poison made its move, everything would be for naught.
Having read through innumerable books, Zhang Xuan learned that master teachers weren't just about strength and capability. Reputation was also of essence. Reputation was credibility, and without a good reputation, how could a master teacher win the trust of others? As such, this was one of the less tangible criteria taken into account when one was applying for a promotion.
And the easiest way to accrue reputation was to join the Master Teacher Tournament.
Besides, to raise his cultivation, Zhang Xuan needed innumerable cultivation techniques to form the Heaven's Path Divine Art and sufficient middle-tier spirit stones.
Even though Zhang Xuan was skilled in the art of beguiling, there was a limit to what he could gather through such. If he could achieve incredible results during the Master Teacher Tournament, it should become much easier for him to gather spirit stones.
After thinking all of these through, Zhang Xuan had nothing to hesitate about anymore. Thus, he asked, "When does the selection round begin?"
"According to Pavilion Master Kang's intentions, it's supposed to be conducted a few days ago. However, you had yet to appear and so, the both of us tried all ways to postpone the selection round. Now that you're here, we can finally begin!"
Seeing that the young man before them didn't reject the matter, Su shi and Ling shi heaved a sigh of relief.
After all, they had to fight very hard to delay the selection round by several days, and there were many who were displeased by their action. If Zhang Xuan were to really refuse to join the selection round, they would be in trouble.
"Is it conducted in the Master Teacher Pavilion?" Zhang Xuan asked.
"That's right!" The duo nodded their heads.
"Then let's go over then!" Zhang Xuan stood up.
Since he had decided on the matter, there was nothing for him to hesitate about.
Seeing that Zhang Xuan was in a rush to head over, the duo smiled bitterly, "Zhang shi, hold on for a moment. Allow me to introduce to you the other candidates first. This way, you will be prepared when you meet them!
"Of the five candidates, three are from the Myriad Kingdom Alliance Master Teacher Pavilion. The most famous among them is Ruohuan gongzi, Jun Ruohuan. He's the head of the Four Gentlemen in Myriad Kingdom City, the direct disciple of Pavilion Master Kang. He's twenty-nine this year, and he passed his 4-star examination at the start of the year, thus making him a full-fledged 4-star primary master teacher!"
Zhang Xuan nodded his head.
He had seen a 4-star primary master teacher genius before as well-Song Chao.
Even though that fellow seemed a little slow-witted before him, as a 4-star master teacher, he surely possessed an astonishing eye of discernment and unbelievable talent.
Jun Ruohuan should be the same as well.
"After him is the direct disciple of the Master Teacher Pavilion's Elder Hai, Fu Xiaochen, Fu shi. He was evaluated as a 3-star pinnacle master teacher two years ago, and since then, he hasn't taken any examinations at all. Thus, no one knows the current extent of his ability. Even so, based on my estimates, he should be on par with Ruohuan gongzi!
"These two are the most popular candidates this time around, and thus, they will be your greatest competitors as well. As for the remaining three, one of them is Elder Feng's disciple while the other two are picked out from the vassal kingdoms under the Myriad Kingdom Alliance. They are all 3-star pinnacle master teachers under thirty as well!"
Su shi quickly briefed Zhang Xuan on the background of the other five candidates.
"Even the weakest of them is a 3-star pinnacle master teacher?"
Zhang Xuan was astonished.
One would already be considered as an incredible talent for reaching 2-star beneath thirty in Xuanyuan Kingdom, and yet here, there were five who far exceeded that level, and one of them had even reached 4-star. As expected of the alliance, the center of power and affluence of the innumerable kingdoms.
Thinking that Zhang Xuan might have lost his confidence, Su shi consoled, "Indeed, but you need not worry about that. Your master teacher rank might be beneath them, but your eye of discernment and knowledge are in no way inferior to them... I think that you still stand a good chance!"
If not for the latter's outstanding performance in Tianwu Kingdom previously, the duo wouldn't have gone to such extents of recommending him.
After all, an ordinary 2-star master teacher wouldn't stand a chance against that line-up at all.
"What will be tested in the Master Teacher Tournament?" Zhang Xuan asked doubtfully.
He had only heard briefly about the Master Teacher Tournament from the duo and as such, he didn't know much detail about it.
The books he had read also had a limited description on the matter.
"You don't know?" The duo was taken aback for a moment before they flew into a frenzy. "Yang shi didn't explain the matter to you?"
They had told Yang shi about Zhang shi's participation in the Master Teacher Tournament back in Tianwu Kingdom, and so, they thought that Yang shi would at least offer some guidance or advice to Zhang shi beforehand... If that was the case, with the guidance from a 6-star or above master teacher, they would stand a much better chance.
But who knew that... After so long, Zhang shi actually knew nothing at all?
Are you mistaken?
Half of the reason why the duo insisted on having Zhang shi participate in the competition was because of his outstanding performance, and the other half was due to their trust in Yang shi's teaching capability.
Since Yang shi had agreed on the matter, surely he wouldn't make his student embarrass himself... But why in the world did Zhang shi not know anything at all?
"My teacher hasn't told me anything about it!" Zhang Xuan replied.
Hearing the other party's reply, the duo rolled their eyes.
Was Yang shi simply that courageous or did he possess absolute trust in his student?
Shaking his head, Su shi could only start explaining the matter helplessly. "The Master Teacher Tournament assesses a master teacher on his overall capability. The test varies every year but... they are centered around the fundamentals of master teachers, such as Soul Depth, cultivation realm, teaching capability, understanding of cultivation, offering pointers, discerning flaws...
"In truth, it is similar to a master teacher examination, just that it will be slightly stricter. For example, in a normal master teacher examination, one is considered to have pass the examination just by meeting the passing requirement within a given period of time. On the other hand, the Master Teacher Tournament will gauge one by the duration one takes to accomplish a task, and the one who takes the shortest time will be victorious."
Zhang Xuan came to a realization.
This was extremely similar to the competitions in his previous life.
Take a normal hundred-meter race for example, if A took ten seconds whereas B took three days, naturally, A would be the winner.
Under the pressure of time, one's mental fortitude would be put to the test. Often, there were capable master teachers who found themselves unable to perform under such stress.
After explaining the matter a little longer, Zhang Xuan's understanding of the Master Teacher Tournament deepened.
In truth, the Master Teacher Tournament was a battlefield where different master teachers pitted their capability against one another, and the strongest one would emerge victorious.
As long as one's foundation was strong, one need not fear anything in the tournament.
This was the reason why Su shi and Ling shi went through so much trouble to go to Tianwu Kingdom just to recruit Zhang Xuan into their team.
After introducing the tournament, Su shi said, "Alright, let's go to the Master Teacher Pavilion. Even though the tests in the selection round are likely to be different from the real tournament itself, the main idea is still there. This time, Pavilion Master Kang has come up with the tests personally. I think this will be a good experience for you to prepare for the real tournament!"
"Un!" Nodding his head, Zhang Xuan instructed Sun Qiang on several matters before leaving to the Master Teacher Pavilion with the duo.


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Halloween Popcorn Hands
Ingredients25 m servings 361
- Adjust
- Metric
Directions{{model.addEditText}} Print
- Push 1 piece of candy corn, pointed side forward, into the ends of each finger and thumb of the plastic gloves to make fingernails. Mix remaining 25 candy corn pieces with popped popcorn in a bowl. Fill the remaining space in the fingers and hands of the gloves with the mixture, pushing the popcorn mix into the voids. Leave a little space at the wrists. Tie each popcorn hand at the wrist with a twist tie. Serve on a platter and scatter plastic insects around the hands.
- Cook's Note:
- Make sure the plastic gloves have no latex in them before you fill them. That way, if there are any latex allergies, you won't have to worry about it.
Nutrition Facts
Per Serving: 361 calories; 16.7 49.9 5.4 0 528 Full nutrition
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ReviewsRead all reviews 4
Made these for staff meeting last week. They were a big hit! I put spider ring on finger, and used cute Halloween ribbon instead of twist ties at wrist. Helpful hint: I bought small size gl...
When my mom and I owned our baking/candy supply store, we made and sold these every year at Halloween time and they were always a huge hit! We would also add a plastic spider ring to one of the ...
Okay, these are super cute Halloween treats and the the kiddos love them! However, I made them for my daughter's kindergarten class and doing 25+ was a lot of work! The hard part is working th...
Made these last night after finding the idea in here. My daughters 6th grade class LOVED them!! Other parents brought boring cupcakes etc, but when my daughter whipped these out everyone cheered...


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Amy Winehouse's estranged husband has been released from jail after completing his sentence.
According to The Sun, Blake Fielder-Civil was freed from Edmund's Hill Prison in Suffolk at around 10am this morning.
The 26-year-old was met at the facility's gates by his mother, who handed him a trilby hat before ushering him into a waiting car.
Fielder-Civil was jailed for 27 months after being found guilty of assaulting a pub landlord in East London and perverting the course of justice. He was released into a rehab centre in November but was later placed back behind bars after failing a drugs test.
He is currently embroiled in divorce proceedings with the singer, who has vowed that she will not pay him a penny of her £10 million fortune.


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When Sienna and I first began sharing fantasies about another man joining in our sexual play, our favorite backdrop was a spa. We both enjoy massages plus it is an easy way to get into a hot story since she would be nude below a sheet with another man already present. These spa fantasies swirled through our daily interactions and kept passion's flame burning hot as we navigated our long-distance relationship. Then, the fantasy took an unexpected step towards reality.
I'm at work when a text from Sienna drops in that almost catches my phone on fire.
"I had a massage today and can't wait to tell you about it! Mmmm Baby, I'm Craving You!!!"
My cock instantly springs to attention! Oh my god, did she cuckold me with her massage therapist? I'm immediately flushed with arousal and a burning desire for juicy details! "Did you have a male therapist, what did he look like, are you wet?"
Sienna – Yes! Can't wait to tell you! Baby, he is totally the kind of black guy I fantasize about. He is a big man, handsome, muscular and fit, mmmm!!! As I turned over from my stomach to my back, I "accidentally" let the sheet slip off my chest. The sheet slid down my chest barely covering my left nipple and my right breast was completely exposed! I was envisioning you in the room next to me as he was working on me. I was sooo wet!
I'm stirring uncomfortably as my cock does its best to rip though my slacks. I love the erotic tension she experienced knowing she was exposed while pretending to be unaware. "Did he cover or leave you exposed?"
He left me that way!!! I sort of froze and didn't know what to do. I didn't want to draw attention to the fact that I knew my breasts were exposed. It was just like we envisioned in our fantasies though and such a rush to be exposed like this. I was curious to see how he would react and it made me hot imagining what he might be thinking… More than all of this, I had visions of you in the room with me, mmmm! I had so many scenarios running through my thoughts about what you would've done if you were there with me. I was thinking of the fantasy we recently shared about the black therapist coming to our room. My mind took off and you were right there with me directing the whole scene! Baby, I was so wet when I got off the massage table…soooo wet! It was crazy!!!!
Now she has me going crazy. My hot, sexy girl allowed another man to gaze wantonly upon her womanly charms. Knowing he left her exposed surely amped up the erotic tension in the room. I can't say I blame him. To have a woman like Sienna exposing herself must have felt surreal. She had slipped into a space where our fantasies were now taking flight in the real world.
Sienna has a knack for skipping details as she rushes to the ending. It is the details though that connect me to the experience and make it truly arousing. I need to be able to "see" what happened and probe for more details. "How was he with your legs? Did he push the line a little?"
He went up my thigh and toward my inner thigh and bottom MUCH closer than normal! I think he must have felt my wetness on the sheet or maybe he could even see it! His breathing was very, VERY heavy, I could actually hear him! I just tried to act normal and was laying still.
Sienna's candidness about her experience and genuine excitement draws me even closer to her. Even though it involved another man, she is infusing erotic intensity into our day and we are feeding on it with each other. This will no doubt burn intensely for weeks as we savor the erotic afterglow as a loving couple.
I'm drawn to the erotic tension of him being so close to her soaked pussy. "He was probably so confused about what you were feeling but so turned on too. I bet he could feel the heat and wetness on your inner thighs and sexy ass… waiting for one sigh or one arch of your hips towards his hand to encourage him."
Mmmmm Baby!!!! I was purposely thinking of you there with me and it was more of a mental experience for me. I would NOT want to give him the slightest hint that I wanted more. That would have made it even crazier for him and me! When I left he said, "Make sure you get scheduled regularly" and then he wanted to know if I needed his hours. I said, "No, that's okay, I can call."
Sienna took us deeper into our fantasy today but seems to be struggling with the thought of another man touching her when I'm not present. Even though she was really wet, she attributes this primarily to visions of me being in the room and how it would have played out if I was present. This is consistent with our fantasy but I would have found it incredibly erotic if she had allowed herself to go further. I love and adore Sienna deeply and want her to have all the excitement and pleasure she felt in that moment…and more. I don't want her to suppress her sexual desires.
I have another thought that is driving me wild too but don't share it with Sienna. The buildup to our first night together had lasted a long time…too long. It felt like so much went into seeing this sweet girl naked before me. I recognize that this time was spent building a deeper connection and resulted in us falling love. Still, it strikes me in an extremely erotic way that this black man she had never met before is already making her wet and viewing her sexy body…in less than an hour.
Sienna is the love of my life and, to him, she might be just one of many women that are so eager to spread out naked before him. He was probably with a regular customer just before Sienna's appointment. What type of service did she receive?
Later in the evening, I connect with Sienna and revisit my earlier thought about her doing more with him. Even though I won't be physically present, I will be there with her in spirit and would find it very hot. I think this added encouragement is what Sienna needed to let go a little and feel more comfortable taking it further without me present.
Our thoughts soon turn towards the next appointment. Sienna hesitantly admits she finds the thought of doing something more to be very exciting. I whisper naughty vignettes about her sucking his black cock and how good it will feel to have him sinking his manhood into to her tight little pussy. She loves hearing me tell her dirty stories and her string of orgasms speaks her truth as she comes to thoughts of experiencing her masseur's black cock…her first big black cock.
For the first time, Michael's fantasy is revealed to me in a clearer way. I wasn't truly getting the idea of him "giving me to another man". It sparks a fire in him and is a gift of physical fulfillment to the one he loves. This gift from Michael is about my physical pleasure but also forges a deeper emotional connection for us. My gift to Michael is submitting to his desire and a deeper connection of trust and love for us. Michael, the deeper realm in all of this naughtiness is the spiritual connection we share. It is evident to me now through the trust and security of our love–the fantasy is always just a fantasy. Even when moments are real, they exist only as shadows and are not our true nature and form. Baby, I love you more than ever! I'm developing a deeper understanding of your desire for me to submit and connect with you in the depths of our Sensual Shadows. – Your Loving Sienna ❤
Additional readings:
This story touches on several themes flowing through the Dionysian Experience:
- Sensual Shadows – Chronology & Links – My loving, erotic journey with Sienna
- Exhibitionism – The psychology of this sexual kink and personal experiences
- Cuckolding – Explore the psychology of cuckolding and few naughty stories too


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Klezmer – klezma – klezmah – klezmahler.
Friday 14 March, 7.30pm
St George's Bristol
Gustav Mahler (arr. Iain Farrington) Symphony No. 1
Plus klezmer and other folk repertoire in new arrangements by Aurora and She'Koyokh
What happens when you combine Aurora with a group hailed by Songlines as 'Britain's best Klezmer and Balkan music band'? Come and find out on Friday 14 March at St George's Bristol, when we meet She'Koyokh for a unique collaboration. Mahler's monumental Symphony No. 1 (in a new arrangement for chamber orchestra by Iain Farrington) is paired with klezmer and eastern european folk music in new orchestral versions, for a project inspired by Mahler's own love of folk music and its prominence in his first symphony.
She'Koyokh's evolution spans the humble origins of busking at East London's Columbia Road flower market to performing in the famous concert halls of Europe including Amsterdam's Concertgebouw and London's Southbank Centre. As well as several BBC TV and radio appearances, the group has performed at festivals such as Glastonbury and WOMAD, and were nominated as Best Group in the Songlines World Music Awards 2012.
Iain Farrington's new chamber orchestra arrangement of the symphony follows in the footsteps of Schoenberg's Mahler reductions of the 1920s, bringing intimacy and piercing clarity whilst stretching players to the furthest limits of virtuosity.
Supported by Orchestras Live


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If you are considering a great place to get laser hair removal in Marina Del Rey, LaserAway may just be the perfect location for you. There you will find the best places for laser hair removal locally. You will be able to get more in depth information about the cost, which differs from each treatment center.
Laser hair removal is a great permanent solution to removing unwanted hair. Many people who choose laser hair removal, do so for the convenience of not having to repeatedly shave, apply depilatory creams, wax or use tweezers. This is an especially good option for people who have sensitive skin or are prone to razor bumps, but most people who get laser hair removal simply love the appearance of silky smooth skin.
Generally, the main treatment areas are facial hair, chest and abdominal hair, back hair, underarms, legs and bikini. Laser hair removal treatments are usually done in a period of sessions. The length of time depends on how much hair you would like to have removed and how well your hair responds to the treatment.
The laser treatment for people with darker skin tones differ from the lasers used for lighter skin. This is done in order to protect the skin from the risk of scarring. It will be very important to find a laser hair removal treatment specialist in Marina Del Rey who is experienced in laser hair removal on all skin types.
Home Laser Treatments
Currently on the market, there are laser hair removal devices available for home use. However, these devices can be painful without the benefit of topical anesthesia, which most physicians performing laser treatments have access to. These devices have only been approved for people with lighter skin tones and have not been approved for people who have darker skin. Using these devices can cause serious damage to tan or dark complexions. The best option would be to seek out a laser hair removal treatment Marina Del Rey expert and make an appointment.


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In the nineties, the Alpine Convention was a pioneer of its kind by being the world's first international treaty considering a transnational mountain area in its geographical entirety.
The Convention was signed by the eight Alpine countries: Austria, France, Germany, Italy, Switzerland, Liechtenstein, Slovenia and Monaco and the European Union and came into effect in 1995.
Since the Contracting Parties share a common territory with common challenges, the Alpine Convention aims at the protection and sustainable development of the Alps.
This mountain area in the heart of Europe is the natural, cultural, living as well as economic environment for more than 14 million people and a manifold number of guests per annum.
The Alpine arc links eight countries: Austria, France, Germany, Italy, Liechtenstein, Monaco, Slovenia and Switzerland.
It is a home for about 14 million people and it is visited by millions of tourists.
Therefore many common challenges and questions of development have to be discussed through a responsible international coordination of spatial planning, transport, energy, tourism policy and other measures.
For these reasons, the Ministers of the Alpine States met from 9– 11 October 1989 and decided to draft an agreement for the protection and sustainable development of the Alps.
The Convention on the Protection of the Alps, namely "The Alpine Convention", was signed on 7 November 1991 in Salzburg (AT) by Austria, France, Germany, Italy, Liechtenstein, Switzerland and the EU (Slovenia signed the convention on 29 March 1993 and Monaco became a party on the basis of a separate additional protocol). The Convention entered into force on 6 March 1995. It has since then been followed by the Carpathian Convention. Today several other areas (Caucasus, Central Asia, Andes) look with interest at the experience of the Alpine Convention.


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se termina el trabajo
Well, I lost my job. Last day is the 15th. My birthday is the 19th and my birthday get-together the 16th. Not pleased.
I have a semi-lead. Someone at the church needs a nanny for their 10 month old son. It's from 7:30 – 5:30 M-F, and the town they live in is about 20 minutes away from my house.
We'll see how this goes. This journal may have to take an indefinite hiatus.
EDIT: Ok. I talked to the mother for the nanny position. It pays $275 a week. I currently make $673.05. I'd be willing to go down to $475 or so, but any lower is really pushing it.
I'm going to see if I can find an ESL job in Chicago with my BA and TESOL certification and specializations. I don't know though. I know of one guy in my college town who taught ESL part-time. I'm pretty sure he had no qualifications other than a BA. Made $20something an hour. But from what I see, it seems like most ESL jobs in Chicago require an MA.


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Interesting Turkmen Olami Suzani Rug
Very nice new Olam tribe suzani. Whereas the color arrangement and central pattern and framing are very commonly seen, the wide stripes on the extremities are special. Same colours but the half ruby shape is usually not seen there and certainly not in this pixelized way.


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"The problems that exist in the world today cannot be solved by the level of thinking that created them"
Albert Einstein
Over the past 5 decades, the United Arab Emirates (UAE) has had a significant social and economic transformation shifting from being an economy based on fishing and pearl extraction, to becoming one of the wealthiest countries in the world. Today, oil and gas production support an economy that allows the government to place significant resources…Read More
Within the context of the Project Sustainable Economic Activities in Mediterranean Marine Protected Areas (SEA- Med) it is already clearly established that tourism plays an important socio economic role in the region and a considerable threat to habitats and species. To ensure a well-managed Marine Protected Area (MPA) that is equally able to maintain healthy…Read More


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We found 1 21 Savage & Metro Boomin song on Chords.
Add E-Chords to your bookmarks to always know what's new.
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At E-Chords.com you will learn how to play 21 Savage & Metro Boomin's songs easily and improve your skills on your favorite instrument as well.
Daily, we added a hundreds of new songs with chords and tabs, just for you ;).
If you still haven't found what you're looking for, please send to us.


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|Super Crayboth
Sporian King
|Vital statistics
|Super Crayboth
Character History"This was a Lost Project that came really close to going all the way, but was knocked off track by the emergence of a totally different thing. I won't go into a massive text wall here (I've been bombing you guys too much already this week), but here's a little bit about what transpired.
King Crayboth was supposed to follow up the Armodoc, and I even started the sculpt, but as I was at the shop working on it the Rig literally just appeared in my head. Everything I was doing with the King Crayboth was put on hold and I immediately switched gears. I'm not sure why these turns happen, but when the hyper inspiration comes on, sometimes you have to oblige.The remnants of the original sculpt are scattered between the shop and here at the house. Maybe the time will finally arrive when it all comes back together to wreak some havoc on the Glyos System.
Oh yeah, and get revenge on that line cutting Rig."[1]
A King at Heart
"The Super Crayboth started life within the "King" Crayboth conceptual drawings, but gradually evolved into a different part of the Crayboth lore, manifesting as a key element in an underlying story arc involving a shared history with the Voss and the Villser. What if the Crayboth had been preparing all this time for the return of the Villser? What dark past had they survived to claim their new home on the Sporian Planet Alcray? These questions frequently rattle around in my demented head, so I really wanted to start exploring the true history of our resident mini menaces. This anniversary release hopefully gets the ball rolling!"[2]
Super Crayboth Glyventure!
"Attention, Crayhunters! Welcome to planet Alcray, largest sporebog in the known Glyos System! The Rhythemitter we stole from Gatekeeper Viyer will lure the Crayboth into the open. After activating your Axis Armor, capture as many Crayboth as possible to proceed to the next sector. If you're dying to know what the Crayboth are thinking, utilize one of our genetically engineered hunter clones to gather more information and maybe you'll get lucky. Stay alert! Reconnaissance reports that those crusters have something big down there..."
Super Crayboth Psychic Messages
- We like your rhythms.
- Rhythmic vibrations and harmonic sounds highly stimulate our natural curiosity, almost uncontrollably drawing our attention and interest.
- Our species is centered around psychic communication and energy transference.
- The North Shore of Alcray is a central point of socializing and trading between the different Crayboth tribes.
- Crayboth usually operate in pods of three, but occasionally our creation cycle produces a set of true twins, allowing for powerful yet unpredictable dimensional knowledge to be accessed and even manipulated by these types of Crayboth.
- When joined in a hyper pod formation, our combined power can cause most mechanical systems to fail. The larger the hyper pod, the greater the range of disruption.
- Most offworlders refer to our living environment as a Sporebog. We find this mildly offensive.
- Our former masters, the Voss, are considered to be one of the oldest species in the known systems, Zorennor or otherwise.
- Long ago, we fled our homeworld of Odravunn, which is located deep within the Zorennor Rift, and found our way to the Glyos System, settling on the Sporian planet Alcray.
- The Villser were originally designed by the Voss to be the perfect hunters, capable of altering their base Villser forms to quickly adapt to any environment.
- Our masters, the Voss, created our race to serve as a psychic energy source and power stabilizer for our metamorphic counterparts, the Villser.
- Three Voss Biovessels followed us through the Zorennor Rift, in pursuit of our fugitive fleet. If not for a Villser insurrection aboard the Voss Command Biovessel, we would have never won our freedom.
- When we encountered the being known as the Gliporian during an altercation with two space trappers, our psychic analysis showed that its bio structure had been manipulated by the Voss. The Gliporian's metamorphic abilities and gelnos form greatly mirrored the original Villser core design.
- The Super Crayboth were engineered to combat the Villser, as well as the Voss.
- Axis technology must be used wisely, it holds a familiar dark power within.
Super Crayboth
Green Vinyl/Dark Pink paint/Light Pink accents. $25
Clear Pink. $25
Rig Crew II
Disruptor Pod Leader
Purple Vinyl/Dark Purple paint/Light Pink accents. $25
Tracker's Way
Matte Black vinyl/Gloss Black paint/Red accents. $25
Skeleboth Pod Leader
Volkriun Space Force
Alcray Pod Leader
Light Orange Vinyl/ Pink paint/ Dark Purple accents. $25
Metran Security Command
Marauder Pod Leader
Reddish Brown Vinyl/ Purple paint/ Dark Purple accents. $25
Sendollest Drifts
Sentinel Pod Leader
Light Aqua Vinyl/ Dark Aqua paint/ Black accents. $25
The Manglor Mutation
Dragotauri Hybrid
Light Blue Vinyl/ Blue paint/ Red accents - Features some all new paint applications. $25
The Black Bridge of Glyosar
Dreadvalken Watcher
Red Vinyl/ Dark Maroon paint/ Yellow accents/ Dark Brown Detail Lines. Features 13 all new paint applications. $26
The Andromeda Effect
Hallowboth Pod Leader
Orange Vinyl/ Black paint/ Yellow accents/ Dark Brown Detail Lines. Features 13 all new paint applications. $26
Union of Exiles
Arzaurian Pod Leader
Green Vinyl/ Bone paint/ Black accents/ Dark Green Detail Lines. Features 13 all new paint applications. $26
Capture Run
Super Crayboth Xenodeth
Dreadvalken's Tomb
Super Crayboth Trollspawn
Each Super Crayboth has 6 separate parts, is made of super durable soft vinyl, and is interchangeable with other Glyos System vinyl parts. $26 each.


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Chaos Dragon: Sekiryuu Seneki (dub)
Genres: Action Anime, Dub Anime, Fantasy Anime, Supernatural Anime
Country: Japanese
Release Year: 2015
Synopsis: In 3015, the year of Huanli, two countries, Donatia and Kouran, are embroiled in a war of supremacy that is tearing the world around them apart. The small island Nil Kamui has suffered exceptionally from the war, with lands conquered in the name of each kingdom and stolen away from the people. To make matters worse, their deity, the Red Dragon, has gone mad, rampaging about Nil Kamui burning villages and killing people indiscriminately. Ibuki, a descendant of Nil Kamui's royal family, resides at an orphanage and refuses to take on the role of king. Abhorring conflict, Ibuki desires a peaceful resolution, however the chaotic world will not allow for such pacifism when it is being torn asunder by war. Despite his reluctance, Ibuki is drawn deep into this conflict. Can he rise to the occasion and save his country?


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With summer around the corner, there will be plenty of outdoor gatherings to happen. Perfection has the perfect salad side dish that will compliment any meal.
Serves: 4 as a side
Prep Time: 10 mins
500g kumatoes
Extra virgin olive oil
micro herbs to garnish
Roughly chop the tomatoes. Transfer to a bowl. Season with salt and pepper.
Drizzle with extra virgin olive oil.
Garnish with micro herbs. Serve.
Catch our daily and monthly horoscopes here.


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Gitta de Ridder is an Anglo-Dutch singer-songwriter who performs with a purity and simplicity that would melt the heart of even the greatest cynic. Inspired by modern folk artists such as Anais Mitchell and Iron & Wine, she has been playing and releasing her songs since late 2014, conjuring a world of feeling.
Her debut album Feathers – released in September 2016 – was eagerly received with many great reviews. Several of the album's tracks were supported with radio play by England's BBC introducing, Amazing Radio and local stations as well as Dutch radio stations KX Radio, Radio 2, Radio Veronica and Pinguin Radio. With her second album just released, this will certainly not be the last you'll hear of her.
Gitta's new album For Everything A Season is out now.
ShowsNo shows at this moment
16-02 Gitta de Ridder announces new album and tour dates »
Gitta de Ridder has released her new single The Wheel today. The song is featured on her album For Everything a Season which will be released on March 23. The songs on For Everything a Season are a journey of experiences through life and relationships; although themes across the album are quite universal, the lyrics also reflect a [..] »


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Access Nursing
£850 + £150 registration fee
Total to pay £1000
32 weeks
Developing your career
The Access to Higher Education Diploma (Nursing) is a Level 3 qualification which prepares people without traditional qualifications for study at university.
It is designed for:
adults with a current or previous role in care e.g. nursery assistant, care assistant, care worker;
adults who, because of social, educational or individual circumstances, were unable to participate in or benefit from initial education;
adults from groups under-represented in higher education;
adults seeking a change of direction because of unemployment or lack of career opportunities in their previous field and who have a demonstrable interest in entering a nursing related profession.
Progression Opportunities
Learners primarily progress to Higher Education study in areas related to Nursing. These may include some of the following areas of Degree level study: Adult Nursing, Child Nursing, Mental Health Nursing, Learning Disability Nursing, Midwifery and related Health Studies degrees.
Key Benefits
Start Your 360° Experience - At AISR, everything we do is focused on making sure that you are well-positioned academically, practically, professionally and socially for the future. The focus on problem solving, critical thinking and real-world experiences mean you will be ready for work equipped with skills that employers are looking for.
Ethical Approach to Education - You will be supported throughout the entire program, and also after graduation. From the very beginning of your studies, our experts will organise a series of career activities including workshops, group sessions and individual coaching. You will be taught the full guided learning requirements.
Trust in Proven Quality - Faculty members and experts are carefully selected, highly experienced lecturers and specialists bringing their international expertise to our quality education:
Accreditation: ASIC (Accreditation Service for International Schools, Colleges and Universities) accredited
Best Biomedical Education Specialist 2018 by the Global Health and Pharma, International Life Sciences Awards 2018
Learn from Highly Experienced Experts
This program aims to bring together the insights of superior lecturers with international experience providing students with a global perspective. The Academy's superior lecturers bring their own unique perspectives and experiences to the table.
How can AISR help?
AISR offers flexible payments, quality education and blended learning. Our supportive environment provides careers advice, mock interviews and mathematics support (if maths is part of your studies). You can access resources on the go and and at home, making it easier to study around your other commitments.
Entry Requirements
You will be required to provide evidence of a basic competence in English and Mathematics, be over 19 years of age on 1 July in year of entry and been out of full-time education for some time. Interview required.


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Bazaars, museums, architecture and designer cafes – Kosovo's biggest city does it all incredibly well. This culture and coffee-oriented guide covers my favourite things to do in Prishtina.
Of all the big Balkan cities we've visited thus far, I think Prishtina, Kosovo's capital, is probably the one that's surprised me the most. Unlike most travellers to Kosovo, we didn't start our trip in Prishtina—we ended it there.
I'm not sure if my impressions of Prishtina would be different had we done our itinerary in reverse, but ending in the capital was the right choice for us and certainly felt like finishing on a high.
Prizren is considered Kosovo's cultural hub, Gjakova is the most 'authentic' of Kosovo's small towns, and Peja is the gateway to nature. Having already experienced all three, we found Prishtina to be a nice combination of all of the above—with some interesting architecture thrown in.
Laid-back and lively all at once, with a hip cafe and bar scene and some fantastic outdoor public spaces, Prishtina is one of my top choices to include on your Balkans itinerary. Here are my favourite things to do in Prishtina city, Kosovo. (Note that instead of providing an address for each individual place, I've included everything on a map at the end of the post.)
In This Post
- Where to stay in Prishtina
- Getting around Prishtina city
- Awesome things to do in Prishtina
- Ascend the cathedral tower for a view of the city
- Cathedral of Saint Mother Theresa
- People-watch on Bulevardi Nënë Tereza, Prishtina's main pedestrian street
- Lap up Prishtina's cafe culture
- Imperial Mosque
- Lose yourself in Prishtina's old market, Tregu i vjeter
- Ethnological Museum
- Go inside the National Library of Kosovo
- Take a selfie at Newborn
- Eat lunch at Hotel Gračanica
- Visit the Kurrizi Complex, Prishtina's biggest housing estate
- Sample Prishtina's famous nightlife
- Where to eat in Prishtina
- Map of things to do in Prishtina
- Visiting Prishtina as a day trip
Please note: This post contains affiliate links, meaning I may earn a commission if you make a purchase by clicking a link (at no extra cost to you). Learn more.
A quick note… Throughout this post (and elsewhere on this blog) I refer to Prishtina as the capital of Kosovo. I do this while also acknowledging that Prishtina is not officially considered as such because Kosovo is not recognised by the UN as a nation state. Being from one of the countries that does recognise Kosovo's independence (Australia), I defer to that position. This is not meant to be a political statement or a sign of disrespect: I hope the vibrancy and beauty of Prishtina and Kosovo is something we can all agree on.
Where to stay in Prishtina
Prishtina offers a good mix of budget and mid-range accommodation. ODA Hostel (dorms + privates with shared bathroom) is the top choice among Prishtina's hostels. Stay Ok is a good no-frills choice. A room at City Inn will set you back a few more Euro, but the stylish decor and central location are worth it.
If you want to experience Kosovo's first boutique hotel, Swiss-owned Hotel Gračanica is superbly styled, with a luxurious pool and an on-site restaurant (mentioned again later in this post). It's located 15-20 minutes' by taxi (a 5 Euro fare) from Prishtina, close to Gračanica Monastery.
When researching for our visit, we were surprised at how many cool apartment rentals there are in Prishtina. I've gone to the liberty of curating a list of the city's most stylish Airbnb apartments – find it here.
Getting around Prishtina city
Prishtina is pretty compact and flat; everything on this list (apart from Hotel Gračanica) can be reached from the centre on foot. A DIY walking tour is a great way to take in the highlights—information tablets have been placed throughout the city to mark important landmarks, and there are large tourist maps positioned prominently on every other block. Just know that Google Maps isn't always reliable, especially in the back streets around the Ethnography Museum.
I'll admit that I don't know anything about public transport in Prishtina because we never had occasion to use it. I encourage you to read-up on Prishtina's city buses here.
Awesome things to do in Prishtina
A culture and coffee-lover's guide to the best things to do in Prishtina, Kosovo.
Ascend the cathedral tower for a view of the city
Whenever I arrive in a new city, I like to start with a bird's eye view so I can better visualise its size and layout. (By this stage of the trip, I honestly couldn't count the number of clock towers, bell towers, fortresses and hillocks we've climbed!). The view from the tower adjoining the Cathedral of Saint Mother Teresa is probably the best vantage point in Prishtina.
From 250 feet up, you can look down on Miti Park and the iconic National Library of Kosovo to the east. To the south and west, Prishtina's suburbs – huge conglomerations of socialistic-style concrete blocks – roll out along sparkling highways.
The tower is accessible by elevator and entrance costs 1 Euro. There are no official opening hours that I could find, but locals assure me the tower is open daily until sunset, with a short break in the middle of the day for lunch.
Cathedral of Saint Mother Theresa
While you're there, take some time to visit the cathedral itself. The biggest Catholic church in Kosovo, it only opened to worshipers in 2009. I've really enjoyed observing the differences between Orthodox and Roman Catholic churches in the Balkans – and the contrast in Prishtina couldn't be starker. Everything is shiny and new, and the sparsely decorated, spacious interior truly sparkles.
Take note of the stained glass windows that line both sides of the nave, and the pews adorned with eagle heads. (Side note: The Mother Teresa window pictured was gifted to the church by a benefactor with the family name, Lush!)
People-watch on Bulevardi Nënë Tereza, Prishtina's main pedestrian street
Saint Mother Teresa of Calcutta is beloved in Kosovo (she spent time in the country as a teenager after her family sought refuge from Macedonia). In Prishtina, she also lends her name to the main pedestrian mall, Boulevard Mother Teresa.
Traipsing up and down one of the city's main arteries is an activity in itself. The boulevard is lined with shady trees and delightful little shop cubes, where stallholders trade flowers and second-hand books. A small farmers' market is also held on the street every morning.
Watch elderly gents, always in pairs, chatting away the afternoon while groups of friends crisscross the boulevard, hopping from one trendy cafe to the next. Pause for just a moment and someone is bound to approach you and strike up a conversation.
At its northern end, the boulevard terminates at Skanderbeg Square, where an imposing statue of the Albanian general stands in wait.
Lap up Prishtina's cafe culture
Not familiar with Kosovo's coffee culture? I have two words for you: Big macchiato.
Pretty close to an Australian flat white, the humble macchiato is the beverage of choice across Kosovo. Hand on heart, coffee in Kosovo is the smoothest and tastiest I've had since we left Colombia, and probably the best I've had anywhere in Europe (sorry, Italy).
Even the smallest, most unassuming (and downright dodgy looking) cafes make a mean macchiato. Kosovar baristas sure know how to work an Italian coffee machine – and a big macchiato will never cost you more than 1 Euro (the cheapest we had was 80 cents, and it was still fantastic!).
Prince Coffee (a popular Kosovar chain that recently opened a branch in The Bronx) and Soma Book Station are the two cafes in Prishtina you can't leave without trying.
Imperial Mosque
There are more than 500 mosques in Kosovo; if you're going to visit just one in Prishtina, make it the Imperial Mosque (Džamija cara). Constructed in 1461, it's a beautiful example of Ottoman architecture. It's definitely more pared-back than other mosques we've seen in the region, but just like the nearby cathedral, it has an understated beauty. The stone ablution fountain, set in the front garden, is particularly impressive.
I'm not entirely sure of the visitor's policy at the Imperial Mosque. After some confusion over whether or not we should buy a ticket, we were shown inside free of charge (although our chaperone didn't turn the lights on for us, maybe because he didn't know where the switch was!).
There is an Islamic bookstore on the street just below the mosque where you can probably find someone to let you in. If there's no one there, don't fret: I actually thought the paintings on the exterior domes were just as impressive as the interior.
Lose yourself in Prishtina's old market, Tregu i vjeter
We got completely disoriented trying to navigate our way from the mosque to the Ethnological Museum and happened upon a raging green market in the winding back streets. We later learned that Tuesday is market day in Prishtina, when the alleys around what used to be the Prishtina Bazaar fill up with fruit, veg and dairy vendors from the surrounding villages.
In the 16th century, the Prishtina Bazaar was known throughout the region as a trading hub. At its peak, it contained more than 300 shops, as well as a hamam and a mosque. Sadly, most of the complex was destroyed in the 1960s as part of the city's urban 'regeneration' program. From old photos, it looked a lot like the bazaar in Gjakova, which is the biggest in Kosovo today.
The buildings may be gone, but the tradition still continues. Inside a permanent undercover market adjacent to the Ethnography Museum people sell electronics, hardwear and other products. To see the green market in action and the streets abuzz with shoppers and men pulling wooden carts, you should try to time your visit for a Tuesday.
Ethnological Museum
Keeping with the regional tradition of turning former private residences into house museums, Prishtina's Ethnological Museum (also called The Ethnological Treasure of Kosovo) is set in the Emin Gjiku Complex, an 18th-century property that belonged to one of Prishtina's wealthiest Kosovar-Turkish families.
Three buildings, each one with outstanding architectural flourishes, houses artefacts collected from Prishtina and around Kosovo. Textiles, furniture, dowry trunks and kitchen utensils tell the story of how the city's wealthiest traders once lived and practiced their culture. In the sitting room, a raised bench for guests and lowered seating for the family speaks to the Islamic tradition of welcoming guests unequivocally into one's home. The house, the Museum Curator told us, was even used to shelter Jewish refugees.
Two of the museum's three buildings were closed for renovation at the time of our visit, but luckily we could still tour the main house. The curator is usually on hand to show guests around (note that the museum is closed on Mondays). Entry is free, but donations are appreciated. More information and opening hours can be found here.
Go inside the National Library of Kosovo
Does the National Library of Kosovo deserve the title of one of the world's 'ugliest' buildings? I'll let you be the judge. Wherever you fall, I think it's worthy of a visit – if only to see the unusual facade of the building, which looks like a huge coil of chain, up close.
Finished in 1982, the library's design is the fever dream of Croatian architect Andrija Mutnjaković. Its more redeeming design features can be found inside: A stunning geometric floor mosaic (it's actually tiered with shallow stairs) dominates the entryway. Elsewhere, there are some nice wall mosaics and retro fittings to be found.
Visitors get free reign of the library, including the upstairs reading rooms. I feel a pang of sadness when I see books being mistreated: I'm sure staff here are doing their best (and there were a lot of staff members and visitors around), but we saw a lot of disheveled piles and ripped books laying about. In one of the rooms, there is a conveyor belt that looks as if it hasn't been used in decades.
The best views of the library are available from the cathedral tower.
Take a selfie at Newborn
Another Prishtina icon, the Newborn monument was unveiled on 17 February 2008, the day Kosovo declared its independence. Every year, to mark the anniversary of the declaration, the sculpture is reimagined and reinvigorated by repainting it with different motifs, often to echo broader political or cultural conversations. In 2019, Newborn was decorated with patterns to represent energy, water, oxygen, nature, biodiversity and recycling.
Make sure you also visit the much more sombre Heroinat Memorial opposite Newborn, which pays tribute to the women victims of the Kosovo War.
Eat lunch at Hotel Gračanica
If you're planning a trip to Kosovo, you've probably come across Gračanica Monastery, one of the four monasteries that makes up the UNESCO-listed Medieval Monuments in Kosovo. If you plan to go there from Prishtina (and you should – it's only 10 km or less than 30 minutes from downtown by bus), I highly recommend stopping for lunch at the nearby Hotel Gračanica while you're there.
Hotel Gračanica is Swiss-owned and one of very few venues in the country to employ people from a range of ethnic backgrounds (Kosovar, Serb and Roma), including in management positions. The hotel has serious eco credentials and there's also a pool that you can pay to use. Even better, you can spend the night and use all the facilities as a guest.
I plan to include full instructions for how to get to Gracanica from Prishtina in an upcoming post. It's very simple: Just take a bus bound for Gjilan from the station in Prishtina and ask the driver to let you off in Gracanica.
Visit the Kurrizi Complex, Prishtina's biggest housing estate
As you've probably guessed from my recent dispatch from Bratislava, I'm fascinated with socialistic-style housing projects. When I studied architecture history as part of my bachelor's degree, this was one of the topics I chose to focus on!
In Prishtina, there are a number of large-scale modernist housing projects, civilian microcosms that were intended to be self-sustaining. Dardania and Ulpiana are two Prishtina neighbourhoods where this post-1945 style of robust architecture – dominated by concrete, glass and iron – prevails.
The Kurrizi Complex is another great example. Meaning 'Spine', it was designed by Yugoslavian state-owned firm Plan Zagreg, and remains the largest shopping and housing project in the city. It's comprised of three sections: A ground floor with an enclosed shopping street and tunnel so that cars can pass under the building (cool!); a 400 metre 'boulevard' lined with more shops; and multi-storey housing towers with hundreds of apartments.
We were lucky enough to stay in an Airbnb inside Kurrizi Complex – it was a very unique experience! Even if you just drop by for a visit, it's a fun place to observe a slice of daily Prishtina life. There are plenty of cafes and bars on the boulevard level where you can stop for a drink. One of the bakeries inside the complex (just to the left of the market pictured above) makes the best burek we ate in Kosovo.
The Kurrizi Complex is located directly behind the Bill Clinton statue and 'Hillary' boutique – two of Prishtina's quirkier tourist attractions.
Sample Prishtina's famous nightlife
Prishtina is renowned for its bars and late-night cafes. Design fiends should start with Hamam Jazz Bar, which has recieved awards for its mudbrick interior. Nightlife certainly isn't my area of expertise – you can find more recommendations from a local here.
Where to eat in Prishtina
If you need a wee break from Balkan cuisine, Prishtina is a great place to reset your palate. We only ate out a couple of times and cooked at home (read: ransacked the local bakery!) the rest of the time. If we ever make it back, we'll have to remind ourselves to check out more of the international dining options, including Himalayan Gorkha Restaurant and one of the many Mexican joints in town.
- ⚑ Home Restaurant & Bar | This cosy restaurant is a Prishtina institution and favourite among expats. The menu covers both Balkan and European cuisines, and the Lebanese salad with hummus and falafel is to die for.
- ⚑ Thai Restaurant | Finding good Asian food in the Balkans feels like stumbling on El Dorado. As soon as the owner of the laconically named Thai Restaurant greeted us with an animated sawatdee kaaaa, we knew we were in for a treat. We ate two curries, massaman beef and chicken pineapple. Both were a little thin but tasted top-notch.
Map of things to do in Prishtina
Visiting Prishtina as a day trip
If you're short on time or you don't want to stay overnight in Kosovo, a popular option is to visit Prishtina as a day trip from Skopje, North Macedonia. The two cities are less than 100 km apart and interconnected by regular buses and vans.
When we travelled from Prishtina to Skopje by minivan, the journey took just over 2.5 hours, including border control. We did notice a new highway was being constructed, which could speed up travel time in the future.
If you plan to visit Prishtina as a day trip from Skopje, I would seriously consider booking a tour that includes a private car transfer to maximise your time in the city. Otherwise, you'll be spending most of your time on the bus. This full-day tour departing Skopje visits both Prishtina and Prizren, thus giving you a good overview of Kosovo's two biggest (but very different) cities.
Have you been to Kosovo? What are your favourite things to do in Prishtina?


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Episodes: 25Status: Ongoing
Alternate Titles: Furuba, Fruits Basket (Zenpen)
After a family tragedy turns her life upside down, 16-year-old high schooler Tooru Honda takes matters into her own hands and moves out... into a tent! Unfortunately for her, she pitches her new home on private land belonging to the mysterious Souma clan, and it isn't long before the owners discover her secret. But, as Tooru quickly finds out when the family offers to take her in, the Soumas have a secret of their own' when hugged by the opposite sex, they turn into the animals of the Chinese Zodiac!


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Karin Corbett is a business attorney and litigator who effectively prevents, resolves and litigates legal disputes for businesses and individuals alike in a variety of industries; but her focus is primarily in the construction & real estate and equine industries.
As a construction and real estate attorney, Ms. Corbett negotiates contracts, analyzes and advises clients on all types of business matters, litigates contract claims including:
- mechanic's lien claims;
- claims arising from construction related statutes;
- insurance and bad faith claims;
- title disputes;
- surety bonds;
- construction site accidents;
- foreclosure;
- land use matters;
- municipal law matters;
- residential and commercial leases;
- property management; and
- other claims arising in the construction industry.
Ms. Corbett also handles regulatory matters involving licensing issues, OSHA inspections and violations, fair housing claims and more. Ms. Corbett is also actively involved in various trade associations including the Metal Building Contractor and Erectors Association, where she serves as a member of the Board of Directors of the Mid-Atlantic Chapter, and the Associated Builders and Contractors Eastern Pennsylvania Chapter, where she serves on the steering committee of the Young Professionals Committee and is active in the Legislative Committee.
Ms. Corbett is also an accomplished hunter-jumper equestrian who has used her in-depth knowledge and experience in the equine industry to develop a unique niche practice in Equine Law. As one of the few experienced equine attorneys with a highly competitive riding background, Ms. Corbett understands the needs of those she represents including professional equestrians, Olympians, horse owners, products companies, veterinarians and other equine businesses in all aspects of their corporate, personal and litigation matters. Her experience in and passion for the equine industry offers clients an integrated approach to the legal and equine worlds that enhances clarity and efficiency.
While Ms. Corbett's experience is well rounded, it is heavily focused in all aspects of litigation, including pre-litigation analysis and commencement of an action, through discovery, motion practice, trial, post-trial motions, appellate practice and, importantly, the enforcement of judgments obtained. Ms. Corbett uses insight gained through her litigation experience outside of the court room to help clients prevent problems that lead to litigation by negotiating better contracts, understanding the applicable law in their industry and advising clients as conflicts arise or are anticipated.
Practice Areas
Additional Practice Areas:
- Equine Law
Education & Admissions
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Apple's OS X El Capitan Is Now Available To Download
Apple's newest OS X, El Capitan is now available to download in the App Store.
The update doesn't bring a huge amount of updates, but it does bring Split View for apps, pinned tabs in Safari, public transit in Maps, as well as improvements to Spotlight, Notes, and Mail. There's also a new font — San Francisco — used across the OS.
For more info read our What's New In OS X El Capitan.


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Mindful Eating: A new approach to healthy eating
The effects of having an unhealthy relationship with food and body image distress aren't restricted to individuals' personal life – like any other cause of stress, they spill over into all other areas of life, including work. Mindful Eating is a new scientific technique that allows us to observe, understand and gain awareness of our eating behaviour. This systemic approach to eating works on several levels, tackling family and societal influences, individual's emotions and habitual pattern of responding to stress, as well as misconceptions and lack of education on nutrition.


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New Chapter, Holy Basil Force, 120 Liquid VCaps
Flash Deals are limited time, limited quantity promotions, so act fast! Limited to: 1 unit of 1 flash deal product per order. If you order more than one unit or re-order or order other flash deals, you will pay our regular low price. Flash Deals are ineligible from all other promotions.
We're Limiting Orders to 4 Per Product
Due to limited vendor inventory, each product will be limited to a maximum of 4 per order. This temporary measure ensures that our products can be more equally distributed among our valued customers.
New Chapter, Holy Basil Force, 120 Liquid VCaps
- Expiration Date: May 2021
Shipping Weight:?1.09 lbsSwitch to Metric unitsShipping WeightThe Shipping Weight includes the product, protective packaging material and the actual shipping box. In addition, the Shipping Weight may be adjusted for the Dimensional Weight (e.g. length, width & height) of a package. It is important to note that certain types of products (e.g. glass containers, liquids, fragile, refrigerated or ice packed) will often require protective packaging material. As such, these products will reflect a higher Shipping Weight compared to the unprotected product.
- Product Code: NCR-90089
- UPC Code: 727783900890
- Package Quantity: 120 Count
2.2 x 2.2 x 5.6 in, 0.65 lbsSwitch to Metric units
Product Rank:
Featured Products
- Certified B Corporation
- Non-GMO Verified Formula
- Non GMO Project Verfied
- New! Liquid VCaps
- 100% Vegetarian Product
- Supercritical Holy Basil Promotes Calm and Balance
- Dietary Supplement
- Naturally Gluten Free
Discover the Force of the Whole
- Full-Spectrum Force Extraction (Pure & Potent Extracts)
- Whole Herb
- Nature's Profile of Beneficial Compounds
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Full-Spectrum Extraction: Our Difference
Many companies isolate elements from an herb, concentrate them, and label it "whole herb." New Chapter delivers the wisdom of whole food. Using only natural supercritical CO2 or traditional techniques of extraction, our Force extracts guaranteed the fullest spectrum of beneficial phytonutrients in their natural profile.
Uplift, Calm & Balance – Holy Basil has been long employed by India's Ayurvedic master to support a positive stress response and healthy mood and spirit.
Full-Spectrum Potency – The full spectrum of beneficial compounds found in Holy Basil Force is delivered using a supercritical extraction, whole-food approach to herbal supplementation.
"Side Benefits" - Researchers have determined that Holy Basil's "active" molecules promote a healthy inflammation response. These molecule's cell protective properties have also been studied for their effect on normal cell growth in vitro.
100% Vegetarian – Our full-spectrum process preserves precious plant compounds, delivered in a 100% vegetarian formula from extract to capsule.
Full-Spectrum Extracts – 7,102 mg of Holy Basil = 1 Capsule
Suggested Use
One capsule daily with food. Not recommended for use in children.
Other Ingredients
Organic olive oil, extra-virgin olive oil, hypromellose (capsule), organic yellow beeswax, maltodextrin and candelilla wax.
As with any dietary supplement, you should advice your healthcare professional of the use of this product. If you are nursing, pregnant, or considering pregnancy, you should consult your healthcare professional prior to using this product. Discontinue use and contact your healthcare professional if you experience a side effect or an allergic reaction. Do not exceed suggested use.
Keep out of reach of children.
While iHerb strives to ensure the accuracy of its product images and information, some manufacturing changes to packaging and/or ingredients may be pending update on our site. Although items may occasionally ship with alternate packaging, freshness is always guaranteed. We recommend that you read labels, warnings and directions of all products before use and not rely solely on the information provided by iHerb.
|Supplement Facts
|Serving Size: 1 Capsule
|Amount Per Serving
|Holy Basil (Ocimum sanctum) (leaf) hydroethanolic extract
|268 mg
|Holy Basil (Ocimum sanctum) (leaf) supercritical extract
|268 mg
**Daily Value (DV) not established.


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The clock stops…and we restart it again.
The clock stops…and we restart it again by forcing hands, self-destructive plans, rotting bands, all mine.
The time is broken, words are just spoken, and all of the tokens, you wasted on the last train out of this dust ridden frame of mind.
Stop the clock, sixty seconds to breathe, stop the rocking, you're just standing still.
Break the face, hold the hands in strings, time that does not exist, eat the sweet fruit away and save the rind.
No more, stopping the ticking on,
Before, more than deserving.
Stop the talking, start walking, easy no, but callouses I've built are strong enough to walk, words stop, worthless play, no more [blank]…


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Ovation is a credit repair service company just like Lexington Law and Sky Blue. Only that they don't have the reputation the last two companies have. However, their services speak for them.
Ovation offers freedom and flexibility with their numerous options tailor-made just for you. In addition, Ovation has affordable plans with a number of benefits to help you repair your credit. They also offer independent packages such as the Fast Track program which offers same-day service, but an extra fee. You'll also benefit from protection against identity theft.
What's more, they offer these services at an affordable rate which will fit right into your pocket. If you need their services, you can go ahead and contact them.
How Does Ovation Credit Services Work?
The company offers their services based on an in-depth research on the credit bureau tactics, consumer credit laws and persistence for their clients. To get their services, you'll need to sign up where you'll also access free consultation.
While going through the consultation, one of the professionals will help you select the best plan. There are two plans available, the Essentials Plus and the Essentials plans.
At this point, Ovation will require you to furnish them with a credit report from Experian. For Equifax and TransUnion, they will get those for you. After providing them with your credit report, they will start building a case for you and you can use the login portal to view the progress.
After crafting a plan for you, Ovation will seek to handle the items that need to be challenged. If anything pops up during the process, Ovation will contact and update you.
Essential and Essential Plus
With the Essentials Plan, you have access to the dispute manager where you can pick the items you want Ovation to dispute giving the reasons why.
In addition, you also have access to a personal manager who will attend to your case by giving you valuable advice on the way forward as well as how to repair your credit. You can also email or call them with queries or any other issues.
Furthermore, you have exclusive access to your account via a secure website at any time of the day. On top of that, you have, at your disposal, a wide range of tools you can use on a number of financial matters such as debts and education.
On the other hand, the Essentials Plus plan comes with extra features. First is the unlimited creditor goodwill letters and the unlimited challenge validation. There's also the Ovation recommendation letter you can use to your advantage. Plus, you can also benefit from constant TransUnion credit monitoring.
This plan is the best for you, although that will depend on what you have in your credit report. The monitoring service is also a great tool.
How Long Does Ovation Take to Repair Your Credit?
Ovation strives to repair your credit as soon as possible. However, the duration of the repair will depend on the situation of your bad credit and how well the creditors and the credit bureaus cooperate.
Ovation also offers a fast track program which you can use to quicken the process of credit repair including disputes with the creditors.
On average, according to Ovation's website, customer have seen around 19 points improvement on their reports. Therefore, you can get an idea of what Ovation can do for you. The improvements include fall offs, deletion and other positive reports in their account.
Is There a Guarantee?
Yes, there is. Ovation offers their customers 100% guarantee. For example, should they fail to deliver on certain agreed-upon services, they'll refund the fee charges for the month.
Nevertheless, Ovation doesn't guarantee specific results regarding your credit score. Although they will do their best to achieve a positive result.
What Do they Eliminate for Your Credit Report?
Ovation removes all types of negative entries from foreclosures and charge-offs to bankruptcies and collections. Also, any item reported to the bureaus and eventually listed on your report can be eliminated. Keep in mind that there are no promises whatsoever regarding the removal of the items, but it is possible.
Ovation also allows you to pick the items you'd like to remove or would like Ovation to focus on. You'll also get a personal case manager to attend to your case as well as personalized advice. However, you'll need to explain why the negative items ended up on your report.
Can the Items Reappear on Your Credit Report After Elimination?
Yes, they can, but it will be quite difficult for such a scenario. This is because creditors have only 5 days to re-report a deleted item. However, once the 5 days have lapsed, they cannot re-report the item since they'll be in violation of the FCRA.
Nevertheless, you can rest easy because Ovation uses proven techniques to ensure all negative items remain permanently deleted from your credit report. You can always reach out to them to know more about the tactics they use.
What Are the Costs?
Regardless of the plan you select, you'll have to part with $114 for the first work fee. Afterward, you'll pay $69 per month if you're on the Essentials Plan or $99 every month if you're on the Essentials Plus Plan. In addition, you can also buy the additional packages like the Fast Track which goes for $25 for a one-time same-day processing.
Are There Any Discounts?
Yes, there are discounts for referrals, household members and family members. If you decide to move from credit repair company to Ovation, you'll receive a $50 credit. There're also discounts for military personnel.
You can also save through referrals. You'll receive $30 off if you refer a friend and $50 off if you refer a couple. This amount will be credited into your account after they've signed up.
What's more, you'll also get a 20% discount if you create an account with another person using the "couples discount'" regardless of whether you are married or you're a couple.
You'll get this discount if you sign up with another person independent of where they live or the relationship between the two of you.
Cancelling Ovation Credit Services
After you're satisfied with Ovation's services, you easily cancel your plan with Ovation. All you have to do is contact them via a call to cancel your plan.
You'll not be charged anything after cancellation and you can start enjoying a life with an improved credit like getting loans with favorable terms and interest rates.


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Growing Appeal of Currency Hedging
Back in 2009, WisdomTree developed its first Index that was designed to hedge the performance of developed market currencies in a developed world, MSCI EAFE-like universe1. While the concept of currency hedging was not novel or unique to WisdomTree, there was a dearth of investment strategies offering such exposure to U.S. investors, and WisdomTree was a pioneer in launching such strategies in the exchange-traded fund (ETF) structure.
WisdomTree's First Hedged Currency Index for an Emerging Market Country
Up to this point, WisdomTree's hedged currency strategies have focused on developed market currencies, given their liquidity and relatively inexpensive cost of hedging2. But Korea is an interesting market for hedging currency for four primary reasons:
1) Exports are important to Korea, with almost 60% of its gross domestic product (GDP) coming from exports. A declining currency could potentially be particularly helpful for Korean profits.
2) Korea's exports share a high degree of overlap with Japan's. Korea is arguably the country that would be most impacted by Shinzo Abe's programs to stimulate Japan's economy, which have resulted in a weaker yen. If the yen continues to weaken considerably, Korea may have to counteract these measures, in which case a currency-hedged option could become more important for Korean equities.
3) Hedging currency risk has the potential to significantly reduce volatility.
4) South Korea is also a prominent exposure in the MSCI Emerging Markets Index—nearly 16%—second only to China, making it an important market in broad benchmarks.3


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If you want luxury, spaciousness, affordability, and proximity to Orlando's Walt Disney World, Sea World & Universal Studios, then please call us toll-free today to inquire about the rates & availability of these magnificent properties.


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Gintoki, Kagura, and Shinpachi realize that the Universal Clock was only running low on battery. As the AA battery it requires was unique, the trio search for a spare battery in the Watchmen of Time's crash site, but things don't seem that simple as the frozen Shinsengumi stands on their way.
After much exasperation for the fact they can't save both Hasegawa and Gengai no matter what they do, Gintoki deduces that the fact that they came in contact with them to fix the clock triggered a death flag for them, causing either one of them or both to die no matter what. Though Kagura and Shinpachi was shocked by the revelation that they must choose one to live and die, Gintoki reassures them as he confesses that he just found out the Universal Clock was running low on battery. The two expresses their anger.
They arrive at the Watchmen of Time's crash site to look for a spare battery there, for as it turns out, the clock runs on a special battery not found on Earth. They find the Shinsengumi frozen in time on the crash site investigating the situation. Luckily, the spare battery has not been confiscated yet but is now in Hijikata's grip.
They try to pry the battery of Hijikata's grip but fail as he seems to be gripping it strongly. Shinpachi deduces this is because of the frozen time. They decide to move the clock's hands forward to a future where Hijikata lets go of the battery. Much to their disappointment, they reach Hijikata's funeral with him still gripping the battery. They decide to go back in time and try another method. Kagura and Gintoki accidentally rips out Hijikata's right arm after repeatedly trying force. Gintoki tells the group that if they move the clock forward then, Hijikata's amputated arm will surely lose strength. Gintoki replaces Hijikata's right arm with a Matsui stick for its convenient cleaning methods.
When they move the clock forward, however, the battery seems to have switched place and is now on the Matsui stick, furthermore, it seems to have empowered it, turning it into a powerful cyborg arm. The battery just got harder to retrieve. They find Katsura and Elizabeth playing catch. Kagura gets and idea and switches Hijikata's cyborg matsui stick arm with Katsura's normal arm in hopes of tricking Katsura into opening his hands as part of throwing the ball. But the cyborg matsui stick arm seemed too powerful, as it penetrated right through Elizabeth, the Watchmen of Time's spaceship and several houses. They find that Katsura didn't throw a pitch but rather a rocket punch.
They follow the rocket punch's trajectory to look for it and find it milliseconds away for hitting Otae's forehead. Without a way for preventing the rocket punch from hitting, Gintoki fiddles with the SFX on top of the rocket punch turning it to sound less painful. He then modifies it into a human-like shaped and giving it the name of Ham-san. He then places it in a position where it looks like its attempting to stop the rocket punch. On a side note, Gintoki also gave Kyuubei, who was with Otae at the time, a phallic-shaped SFX.
They then move time forward and find themselves at Otae's wedding. She seems to have gotten amnesia from the rocket punch and is now apprarently getting married to the SFX gintoki had created, which had turned out to become sentient. Curious, they move time further, to find the couple about to exchange rocket punches in place of wedding rings. They move time further to find a point where the two rocket punches collide. Otae, however used her fist, but still destroying the SFX's rocket punch. The trio sees the battery in in air amidst the broken rocket punch parts. However, when they too a close look at it, the battery was AAA instead of AA. Right then, the Universal Clock completely runs out of battery and Kagura, Shinpachi, and Gintoki get frozen in time.
At which point, the SFX, Ham-san moves freely. Asking the frozen Yorozuya what they are doing right after returning to his time. The SFX tells them not to leave him alone in time. He takes out the proper battery that it turns out he was carrying and replacing the dead battery. He then turns the clock back in time to the point where their troubles began.
With time returned to normal, Gintoki, upon his hearing alarm clock, moves and attempts to smash it. His alarm clock and the Universal Clock are nowhere to be found, so Gintoki goes back to sleep as Otose comes by to demand rent.
- Sakata Gintoki
- Kagura
- Shimura Shinpachi
- Hijikata Toushirou
- Shimura Tae
- Katsura Kotarou
- Yagyuu Kyuubei
- Hasegawa Taizou
- Hiraga Gengai
- Okita Sougo
- Kondou Isao (cameo)
- Elizabeth
- Otose