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Vincischool is a school for toodlers,elementry school,preschool.Your kid can learn many things from here.
Elementary School in Ottawa: Child learn team work in Daycare School. For a standard target when the group of people working together is known as teamwork.
Partnership with the school involves cooperation among teacher and student. This collaboration is usually for the sake of a common goal that the entire team is working toward - such as complete a school project with friends, teachers or some other measurable outcome. Teamwork requires that all students contribute their fair share the work so that the project can complete in a time and reasonable manner. Yoga classes in Elementary School. The term "yoga" is a mind and body practice for relaxation or meditation.
Yoga classes are Physical Education programs can be improved optimistically by implementing Grounded yoga techniques for building body awareness, fostering self-esteem and escalating flexibility of our true nature – spirit, body, and mind. Now, these days Yoga is very popular in all over the world. Yoga is body exercise or workout for maintaining the body and mind balancing. Students of Elementary School are full of vigorous and easily influenced. And the main benefit of Yoga is that there is no limit of minimum and maximum age.
Elementary School in Ottawa: Learning Changes in the Age of Technology. Today life technology is all around.
Technologies innovation has completely changed the behavior how teacher teach, and the student learns of our daily lives, including knowledge in our classroom. Technology supports both teaching and learning, and it effects how we learn, connect and play. They can change the way of teaching such as use projector and laptop in the classroom. Teaching with technology is the best opportunity for students to enhance the skills. Elementary School in Ottawa: Using educational technology to enhance student learning. Using educational technology in the classroom is the best way to enhance student learning.
It is the best tool to improve teaching and learning skills and helps the student to be successful. Nowadays technology used in almost all schools. There are various sources available that can contribute to improving student learning power in the classroom such as website, online tutorial, youtube and more to assist them. Elementary School in Ottawa: Using educational technology to enhance student learning. Elementary School in Ottawa: Option for after elementary school Daycare. Parents of elementary school students have a great daycare option for before and after elementary school.
Today's environment parents are too busy with work. They did not spend much time with our kids. So, daycare is the great option for kids and relatives also. Early Childhood Benefits of Pre School Education – Dan Yang – Medium. Preschool Education is a unique opportunity for every child to learn in ways that they may not ever be able to again.
Preschool helps to improve the knowledge and learning skills for your kids. They allow your kids to make friends and learn many things such as share, wait, cooperate, clean up, and follow daily routine activities in the classroom. Preschool offers different activities like dancing; singing, creativity, and storytelling. These activities focus on hands-on, creative learning. They all help the child to learn and improve the basic knowledge skills instead of just playing all day.
Montessori Learning For Toddlers: A Brief introduction to child daycare services. Daycare School provides an education for primary children.
They are given a Home based and friendly environment to your child, usually by a mix of qualified and other staff. They allow your child to learn through self-direction and individualized educational experiences at a Bright Horizons Daycare school. They perform different types of activity with your child like dancing; singing, creativity, and storytelling all help the child learn instead of just playing all day. Montessori Learning For Toddlers: Emerging Trends in Preschool Education Ottawa.
Preschool is the first and major step for the children's development.
The quality of education a child gets in early childhood has a great impact on his/her overall growth. To make the children more intellectual, many preschools and schools in Ottawa have made some changes in their overall curriculum. Everyone just loves trends, and when it comes to education, adoption of new methods is necessary to keep the students prepared for the outside world, so that become flexible to changes to achieve a great career. As, to make a significant impact in future, it needs to put some efforts today. Leadership Team – VINCI School. Dr.
Dan Yang, Founding Principal Founder of VINCI Education & VINCI School, Co-founder of VINCI Academy, and creator of the award winning VINCI Blended Learning, Dr. Elementary School in Ottawa: September 2016. Elementary School crafts are designed especially for small kids, but certain projects are fun loving for children of all ages.
There are many projects which can be used to illustrate classroom lessons better. Some best elementary schools in Ottawa that focus on indulging kids in extra activities like arts and craft, painting, music, etc. There are many benefits of involving kids in art and crafts activities. It is a better way to engage your kids in art and craft rather than in front of the television or playing games on the computer. Such activity is great for parents to do with kids and spend a lot of time with them. Fall Leaves Spice Art Card: These typical spices such as Paprika, Cumin and Turmeric have never looked as beautiful as they do when used in the Fall Leaves Spice Art and Craft Card.
Apple Print Wreath Craft: Things To Get Your Toddler Ready For Preschool or Daycare - Vinci School Ottawa. Elementary School in Ottawa: Technology Learning Activities In Ottawa Schools. With the running future, new technology learning activities for kids in Ottawa are developing with experiments, free games, interesting facts, science projects, worksheets and more! During the preschool years, the children are developing their sense of creativity and initiative. The kids are curious about the world around them and about learning. Elementary School for High Potential Students. My son is so happy! Before when I asked him how the day went (at his former public school), he always pushed his hands out and answered "I don't want to talk about it".
Now, everyday he tells me what he enjoyed during the day. Each time when he is free, he would tell me "Mom, I want to create something!" – by a Mom. Montessori. For children aged 3 and 4 years old, VINCI Junior Casa program leverages Montessori teaching materials, in combination with Reggio style Creative Learning Centers to instill both basic skills and creativity.
VINCI 4-step Pedagogy empowers the preschoolers for self-initiated inquiry and investigation, with core skills learned during the process. All students are expected to master letters and numbers by the end of this program, and have built their self-awareness and confidence to go on for Kindergarten and Elementary. Multi-sensorial experience is the key to children's learning. Elementary School in Ottawa: Impact of Technology in Elementary Schools. Nowadays, many elementary schools in Ottawa are concentrating on technology-based learning. The adoption of technology has totally changed the way of teaching and learning. Now, teachers use smart boards, computers to teach the lesson in a more interactive way. Ottawa elementary schools embrace technology to build the student's potential so that they have the bright future after passing out from the school. According to the latest studies, students find more interest in learning through laptops and smart board.
When children find fun in anything, they are more interested in doing it.The lessons which seem to be boring in the book when they are taught using videos, virtual lessons, and tablets, etc.In this digital era, everyone must be capable of using smart devices. Elementary School in Ottawa: Creative Curriculum In Elementary Schools and Preschools. When we look back to our childhood, we often go in the memory of our school days, we remember our school name, friends, but hardly remember our teachers as they used to play the role of instructors who just want to develop our minds. Nowadays, the whole scenario is changed. In Ottawa city, there are excellent elementary schools that focus on a creative learning approach so that children do find interest in their studies and also enhance their creative skills.
It is significant to build a high bond between teachers and students, so here are some tips for the preschools and schools teachers to make a good impact on your students. Involve your students in some art and crafts activities which are a fun way to learning something new. Children can enhance their imaginative power while thinking deeply to make art which will also help to build their minds. Some elementary schools allow their students to interact with the study curriculum. Become passionate about the subject you are teaching. Best Montessori School for Gifted Child. If you believe of implementing to Montessori schools for gifted child, there are lots of things to think about before you begin the application procedure. Starting your child's educational career of the right way can be vitally essential and a good Montessori school can set your child up for a lifetime gifted love with learning.
Before you select which Montessori school to apply, consider the following factors to help ensure a smooth application process. Visit A different-different Montessori Gifted Child Schools. Elementary School for Students. VINCI School. VINCI School's elementary grades have a strong focus in STEAM – Science, Technology, Engineering, Arts, and Math. We are proud to be a STEAM magnet school, attracting students who are bright in logic reasoning and artistic creativity. Continuing the tradition of hands-on learning, elementary students follow the same 4-step pedagogy that's unique to VINCI School.


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My laptop updated to windows 10 fall creators update.
I have 17.7.2 drivers installed because I have apu
So are these drivers good for this version of windows ?
Will new drivers (with apu and windows 10 1709 support) be released soon ?
Message was edited by: Matt B We have updated the title of this discussion with relevant details to better describe your issue.

subset: commoncrawl


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Order Apodida
Kingdom Animalia
Sorry, there are no scientific synonyms and common names available for this taxon
Clark, H.L. 1907. The apodous holothurians. Smithsonian Contributions to Knowledge 35:1-206.
Sorry, there are no images or audio/video clips available for this taxon.
You can continue searching for Order Apodida on one of these Web sites:Catalogue of Life | GBIF
Fauna Europaea (animals) | IOPI (plants) | NCBI (genetic)


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OPEN 6 Days
Mon to Fri: 7:30 am to 7:00 pm
& Sun: 8:00 am to 2:00 pm
Tuart Family Practice
Bulk Billing
Family Medical Centre
Specialising in the Family unit as a whole
Taking care of your health with a wide range of services
Men's, Women's & Children's Health
Cardiac Health
Respiratory Health
Worker's Compensation
Mental Health
Weight Management
Routine Pathology Testing
Chronic Disease Management
Mole Scan Clinic
With Biospy
Skin Cancer Screening & Removals
Tuart Family Practice - Family Medical Centre in Baldivis
Specialising in the family unit as a whole
Tuart Family Practice is the one-stop shop for you and your family's medical needs in Baldivis.
The practice is led by Doctor Rasika Perera, with a firm focus on being family oriented, Tuart Family Practice offers a wide range of medical services for women, men and children.
The experienced team is able to provide a number of services including dermatological care, chronic disease management; as well as catch up vaccinations, contraceptive care and contraceptive insertions.
Tuart Family Practice aims to be a mini super clinic, with a wide range of Allied Health professionals available to help the Baldivis community.


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Healing Begins with Personal Responsibility
I want to talk about how one question changed my way of thinking and as a result improved my life dramatically. Actually, it made me take personal responsibility and that's where the magic happens.
I have clients who will say to me I want to be like you to which I respond You Can with a little work and authenticity! There is no magic pill, potion or spell that I can prescribe that will make you get up in the morning with a smile on your face looking forward to the day as an adventure in the making. The prescription writer is YOU!
Not too long ago I found myself dreading the mornings. I would wake up thinking yuck, another friggin' day, when will this end, what is the purpose of getting up! I was dreary to say the least with absolutely no plans for the future and nothing to look forward to. I was on the cusp of filling my prescription for anti-depressants. I was low and the few friends I had probably hated to hear from me.
I had no money. I had a dead-end job in a big shiny corporate office. I squeezed myself into a subway car at a god-awful hour of the morning to be surrounded by miserable looking lemmings. I had a relationship that had run its course. I had decided that my present and future would be lonely, broke, and defeated.
Sound Familiar?!? I'm sure there are folks reading this right now who can relate to how I was feeling about life and you're wondering how did I turn it around.
It started with a good and true friend. They are the friends who ask you the hard questions. These are the friends you want. Tip: Get rid of the nodders!
We were having a coffee and I was doing my usual life is so rotten, I hate my life, blah, blah, blah. She kept asking me one question:
So, What Are You Going to Do About It?
What a stupid, irritating question! I was livid. I was genuinely pissed. I wanted her to find the solution for me, NOW! For some odd reason, my friend wouldn't cooperate and kept asking me that question. I went home and decided I would not be friends with her anymore which of course, added to my Down on Life Story.
A strange thing was happening though…..I couldn't get that question out of my head! When I would think about my finances and wanted to wallow in self-pity, this little voice would ask "Well, Susan, what are you going to do about it?" The question followed me everyday and everywhere. I wanted to answer the question just so it would go away!
To begin your journey of personal responsibility and empowered her, here are your first steps:
- Honestly think about your friends and family and determine who are the "nodders". Nodders will not help you in your journey. Drop them from your friends list and replace them with true friends who will ask you to be accountable to you.
- When you find yourself feeling down because you're thinking about your debts, or how you will never be able to travel to Australia, or how you will be stuck in your dead-end job forever,
STOP, take a deep breath and ask
"So, __(your name)__________, what are you going to do about it?"
That one question will step you out of self-pity, victim thinking which will get you nowhere. Absolutely nowhere.
So, what are you going to do about it?
If you want a chance to talk, ask questions, and get some extra support, just click here to find a spot on my calendar~ sending you much love always


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These are just a few of the activities and opportunities to get involved with the College of Education. There are also regional events, annual awards to recognize alumni, and, of course, the College of Education Homecoming Tent Party to reunite with friends and former classmates. And, the COEAA Board of Directors annually has openings for new members if you would like to give back in that way.
If you have ideas about new opportunities to get involved, contact Andrea Ray Alessio.
Tue. Apr. 8 2017
3:00 pm - 4:00 pm
116 H Erickson Hall
Tue. Apr. 9 2017
11:00 am - 11:30 am
Tue. Apr. 10 2017
1:00 pm - 2:00 pm
116 H Erickson Hall
Alumni Relations
620 Farm Lane, 513 Erickson Hall
East Lansing, MI 48824-1034
Phone: (517) 353-4994
Email: email@example.com


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Hunter Business Excellence Awards
The Professional Services of the Year award recognises quality of service in professional industries such as accountants, lawyers, engineers or doctors and the Business of the Year award showcases the firm that received the highest score from the judges - this year both were snapped up regulars on the awards circuit, Palfreyman Chartered Accountants.
The judges commended Palfreyman Chartered Accountants for their 'first-class operations, excellent customer service and outstanding products and services'.
"Winning Business of the Year is a phenomenal effort on many levels for our team. In the last 5 years, Palfreyman Chartered Accountants has grown from a small-home based business that I started in order to be able to continue in the profession while supporting and providing myr family with as many opportunities as possible," began Simone.
Through its focus on workplace culture and work-life balance, Palfreyman Chartered Accountants has grown into a national award-winning CBD business that provides local professionals with flexible working arrangements and guidance to help them achieve their career and life dreams.
"We are privileged to work with a phenomenal team and help clients who strive to be the best business they can be. For us, winning Business of the Year recognises that not only have we made a positive impact on our community, but it highlights how essential work-life balance is to success." She concluded.


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Breaking free from an old me
"I know how it feels to be discriminated. I won't do the same to others," says the thirteen-year-old Kompheak, one of One Goal's premiere soccer players in Svay Chek, Banteay Meanchey province.
Small adjustments bring big changes
Malnutrition is the underlying cause of 45% of all child deaths in Cambodia. World Vision has been running a health and nutrition programme focusing on infants and children under 5 years old, as well as pregnant and breastfeeding woman, working with community volunteers to promote behavioral changes and access to appropriate health and nutrition guidance.
The girl with hope
Sreyni was forced to leave school when she was 5 years old since her parents couldn't afford her education. At 15, she was convinced to work in a garment factory. Thankfully, World Vision has supported her to be part of the vocational training, she's now working full-time and got promoted in a higher position at a construction company in Phnom Penh.
World Vision first entered Cambodia in 1970 in response to the government of Cambodia's international appeals for assistance. Up to 1975, we had constructed the National Pediatric Hospital for our children and provided emergency aid including medical supplies. After the fall of Khmer Rouge, we restarted our work in 1980. Only 5 of our 270 staff were still alive.
Since then, World Vision has grown to over 800 staff working in Phnom Penh and 9 provinces across the country, benefiting 2.7 million children annually.
Having been working closely with the Cambodian Government, NGO partners, local communities and other relevant stakeholders for over 40 years, World Vision is committed to creating a better future for children by working in these areas:
- Nutrition: Supporting plans to help our children be healthy and well nourished;
- Education: Partnering in strategies to improve education for our children;
- Child Protection: Working to ensure that children are being prevented and protected from abuse; and
- Youth: Helping youth to be creative, active citizens and the leaders of tomorrow.
16 million
Phnom Penh
22.2 billion
Support Children in Cambodia - Become Our Corporate Partner
Let's partner to give better future. Together, we can grow your business and help people in need. We work with companies of all sizes to create partnership solutions that align with company goals and missions in unique, impactful ways. Explore the many ways to partner with World Vision.
Health box saves newborn babies
For a contribution of 1,000 Riels per month, the 'health box' helps regional communities protect themselves from unexpected health-related expenses and save the lives of newborn children.
Clean water, healthy life
Sivann,11, is a student in grade 4. Due to a low standard of living, her parents used to practice migration for work. But the safe drinking water station supported by World Vision in the village has allowed her parents to work and stay home. "Since my father was selected by World Vision to be a station operator, I feel very happy," said Sivann.
Chasing the same dream
A pair of hands are busy with styling hair and applying makeup for customers at a tiny local beauty store, located on a crowded narrow street in the outskirts of Phnom Penh. Sreynath, a 22-year-old youth, smiles with satisfaction. She had dreamt of becoming a hairdresser since she was very young. Sreynath's family lives near a sewage canal southwest of the capital. She is the youngest daughter of four siblings.
Current Projects
See the way that we are getting involved in Cambodia to make a positive change.
Building Resilience Through Animal Gift (BRAG)Learn More
Cambodia Sustainable Business Development (CSBD)Learn More
Implementation of Social Accountability Framework (I-SAF)Learn More
It Takes a World
Violence against children in Cambodia is affecting ¾ of children before they turn 18 and is estimated to cost Cambodia up to US$161 million per year on health related consequences.


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So I was flipping through some old photos on my camera and found this one. I'd forgotten about it, and man it's a good one. Thought I would share. It almost looks fake, but I didn't even do much in terms of adjusting in the raw settings, it's pretty much, straight just as shot.
Sometimes it's hard to believe that scenes like these take place every day around the world. You just need to be there to witness them.
The white fly hatch has supposedly started. It starts right about when this pic was taken. That means good dry fly action for smallmouth. It's a lot of fun this time of year, too much fishing to do, too little time.


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The Anderson Student Center (ASC) is the campus gathering space that provides an exceptional environment for students, faculty, staff, alumni and neighbors.
Campus Life
The Department of Campus Life creates leadership and involvement opportunities for University of St. Thomas students.
Center for Ministry
The Center for Ministry celebrates the diversity of faith traditions represented in our University community by meeting the pastoral and spiritual growth needs of all.
Dining Services
The mission of Dining Services is to provide excellent dining experiences, enriching and nourishing the University of St. Thomas community.
Global St. Thomas
The University of St. Thomas will actively promote global engagement in teaching, learning, research and service in an ethical and socially responsible manner.
Information Technology Services
ITS offers instructors and staff services that will advance the teaching and learning mission of the university.
Check out the extensive list of resources our libraries have to offer!
LuAnn Dummer Center for Women
The Luann Dummer Center for Women (LDCW) addresses the needs and aspirations of women.
Office of International Students and Scholars
The Office of International Students & Scholars strives to provide high quality services and support to students and scholars from around the world.
Off-Campus Student Services
Off-Campus Student Services fosters this commitment by providing hospitality, information, programs, resources and services to all students with an emphasis on commuters, non-traditional students, and students who live in the immediate neighborhood.
Post Office
Campus Mail Service's mission is to provide UST with high quality and professional receiving, processing, and delivery of USPS, Federal Express, United Parcel Service and internal mail.
Public Safety
The Department of Public Safety is dedicated to creating and promoting a safe, secure and peaceful environment by applying policies and laws, delivering emergency services, performing requests for assistance, and providing on-going education.
Residence Life
Living on campus provides students the opportunity to become part of a dynamic community. This community includes students who have different backgrounds, lifestyles, interests and dreams.
Resources for Undocumented Students
St. Thomas strives to maintain a welcoming, vibrant and diverse community that respects and supports the dignity and well-being of every member.
St. Thomas Activities and Recreation (STAR)
STAR is allocated a portion of the student activity fee and uses that money to plan programs in the areas of music, movies, entertainment, expeditions, community building, and various special events.
Student Diversity and Inclusion Services
The Student Diversity & Inclusion Services office exists to enhance the campus climate and holds deep commitment in developing and sustaining a diverse campus.
Tommie Advantage
Tommie Advantage takes place over the first eight weeks of the fall semester and involves large-scale programming to welcome new students, returning students, faculty, and staff back to campus.
Tommie Central
Tommie Central is the main information desk for the Anderson Student Center.
Veteran Resources
The University St. Thomas is committed to providing a rich educational experience for veteran students inside and outside of the classroom.


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Master of neurobiology, completed postgraduate studies on organization, methodology and management of clinical trials.
His masters thesis involved research on mechanisms that underlie pathogenesis and treatment of neuropathic pain. PhD student at the Faculty of Health Sciences at the Jagiellonian University Medical College. Over the past few years, worked as a specialist in health technology assessment, systematic reviews and international systemic solutions in healthcare.


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My ambition bites hard.
I'm ready to make it official.
About to roll up my sleeves
and work quality hard
for my educational success.
I'm hungry for a lifetime change;
thirsty for a college degree title.
Stretching for the gratification
this accomplishment will bring;
a relief, a ton of excitement
my procrastination ends here


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Package Caching
If you run multiple machines on a network, it makes sense to cache your package downloads. The
bbacngclient package and
apt-cacher-ng are used to facilitate this.
Choose a machine on your network to be your server. We prefer to use a CNAME to identify this machine e.g.
debcache so we can move this service among machines without affecting clients.
$ sudo apt-get install apt-cacher-ng
You don't need to change anything but if you're interested, the manual for the configuration is available here.
That's it! Your server is ready.
To take advantage of your cache, you'll need to configure your client. You can install the
bbacngclient with package source available here.
$ sudo apt-get install bbacngclient
You'll be asked for the name of your package cache server and the port (default
3142). It simply adds a proxy to
/etc/apt/apt.conf.d/ in the form of
02proxy. If you run into any trouble with your cache server, you can simply remove this file.
NOTE: I haven't been able to find a way to support repositories that are on ports other than 80.


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Who Dat! say they going to beat them Saints. Featuring six clips from "Black & Gold (Who Dat)" by K. Gates. Let everyone know you are Saints Fan.
At Cajun Creations we offer our customers the highest quality authentic Cajun food anywhere! Cajun food has a wonderful mix of flavors that have to be perfectly balanced to be delicious. We have expert chefs who know how to prepare and season our one-of-a-kind creations. Our Cajun food items comes with clear instructions so that you can enjoy some of the best meals of your life! Our packaging for frozen foods includes an ice chest so that your Cajun food gets to you fresh.


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In case any of you have ever harbored romantic notions about what it must be like to live with me, let this confirm that it would be terrible. I have weird hangups about the smell of damp towels. I require kitchen items to be meticulously placed in specific locations. I leave craft projects all over … Continue reading
Category Archives: spirits
(sort of) Sober Sunday: Afghan saffron and emails to my sister
saffron threads are the thread of the menu – cocktail optional, but highly recommended My sister works for the UN. She does something with refugee camps and saves orphans in her free time. She has a bullet proof vest. I think things blow up in near proximity to her. Based on her Facebook pictures, it … Continue reading
everything in moderation (one-bowl breakfast cookies)
I like the science of nutrition, but I am not a follower of diet trends. For two months, I was doing some intense aerial training while simultaneously trying to rid myself of a lingering virus that made my joints feel like they were filled with toxic marshmallows. As a result, I had to think about … Continue reading
International Pi(e) Day
the anatomy of an email and pie with booze I have my work email on my personal mobile device. It's a double edged sword because while I don't look like a douche with two phones in my pocket, work email is always with me. Of course, I assume that should you be emailing me after … Continue reading
santiago cakes
pilgrim's progress Last year, my parents walked the Camino de Santiago – the medieval pilgrimage road through Spain ending at the town of Santiago de Compostela. My parents are devout Catholics, in the most hippie sense of that description: they are pacifists, oppose capital punishment, and believe every life is sacred – so we must … Continue reading
shake it off
defining moments Coming up with recipes and menus is often about defining a moment rather than a taste. Yes, I'm trying to make a dish that tastes good, but I'm also trying to distill the essence of a particular moment into a flavor – communicate the breadth of all the feels I have but am … Continue reading
Cold Comfort
root beer floats to lift a heavy heart In all my hippy belief that the universe will sort everything out, sometimes things happen that are inherently unfair. On the global scale of war, poverty, and disease to the personal injustices of death, hurt, loss, it's hard to rationalize when bad things happen to good people. … Continue reading


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No Products in the Cart
I have owned over 10 dozen yellow box flat sandals over my lifetime.
They are heavenly to walk in. I have bad feet and I cannot go without a pair by my side to walk on hard tile floors
Thank you!!
Lovely pair of sandals
Very comfortable Matt sole! Love em!
Love these flip flops their so comfortable


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Maple Resort, Chail
CHAIL ROAD,Village DUNU, Solan, Himachal Pradesh 173217
Phone Number 01792-206306 www.mapleresorts.in
Provide your email id, we'll send phone number in email instantly!
What travellers are saying about this hotel
Click on tags for more details.
Value For Money:
Video Reviews (3)
Rahul Singh
Nitin Gupta
Megha Gupta
Reviews (92)
Top Reviews
My stay in this hotel was in July 2016. Destination of the hotel were excellent. Very good place to see Location of the hotel were excellent. Hotel appearance were very good and outlook were very beautiful. The food was better than I remembered with fresh foods. The Hotel staff was friendly and helpful throughout the stay. Thank you !! The room reservation was in just in time. Rooms were very good with all the other facilities. WiFi and Internet connection were not provided. Room service was very good and on time. Activities were also available like gym and spa but I dint participate any of this activities.
Overall it was good to experience
Food was excellent in this hotel. Location of this hotel is excellent. Hotel rooms were excellent. Appearance of the hotel is excellent. It was a trip with my family in the month of October. Room service was excellent. Front office service was excellent. Checking in and out was excellent. Amenities were in good condition. Activities were very good. Over all a very good experience in the hotel.
Helpful staff, value for money
The hotel was conveniently located. The surroundings of the hotel were very good. The staff at the hotel were very helpful and they were quick to our needs. The check-in and check-out procedure was not delayed. The interior and exterior of the hotel was maintained. The room allotted to me was very spacious, clean and maintained. The bed sheets, pillow covers and blankets were changed regularly. The basic amenities were in working condition. The Valley view was seen from my room. The quality of the food was good at the hotel and the price was reasonable. The swimming pool and indoor games were there at the hotel. The hotel was value for money. I would recommend this hotel for other travellers.
I had visited this hotel for official purpose with my family. Everything was nice in the hotel. The destination of the hotel was good. The food quality was average. The service was nice in the hotel. It was a new building. The garden was not available at the hotel. All amenities were available in good condition.
The hotel was appropriately located and I did not find any difficulties in finding. The appearance of the hotel was good and the service given by the staff was good. I had breakfast and it was of good taste and quality. The room allotted was very good with all the essential amenities in proper working condition and there was no delay during check in and check out process. The hotel was very much worth money.
Maple Resort is ranked #2 among the 56 hotels in Chail with an average rating of 5.8 out of 7. It is one of the among 4-star Resorts in Chail. On HolidayIQ, it has a total of 40 photos, 92 text reviews and 3 video reviews. it is rated top for its Appearance, Destination and Room. It was also named winner of the Better Holiday Awards in 2017 under Great Location.
The online booking price of the hotel ranges between Rs 6,200 to Rs 6,700 per night. The hotel offer 12 rooms to check availability or to avail complimentary breakfast, we recommend contacting the hotel to check if the final tariff includes it.
The ambience and the location of the hotel makes it a suitable option for variety of travellers. Family (62%) and Couple (21%) are the most common type of travellers that like to stay here. 71% of guests enjoy the hotel's relaxed environment, whereas 14% have rated the ambience as romantic.
Although the hotel is a suitable stay option throughout the year for travellers, book your accommodation in the months of Apr, May and June for the best experience.
Maple Resort is located at The Mall .
The hotel ensures you are well taken care of during your stay. By providing free wifi access, the hotel makes sure you are always connected to the internet.
Other amenities include Laundry Services, Doctor On Call, Restaurant, Room Service and Travel Assistance. For checkin and checkout time, we suggest contacting the hotel.
If you are in need for airport transfers or require a car for sightseeing around the city or you have to do an early check-in, then we recommend contacting the hotel directly and requesting for these additional services. All of the available amenities ensure your stay is enjoyable and free from any hassles.
Featured in the HolidayIQ Blog
Thinking of a Wild Summer? 6 Places to Visit Right Now
HolidayIQ reviewer Vishal says, "Everything was provided at the hotel. Campfire, DJ night, bonfire, and other activities were available at this hotel. There were tent type rooms. Electricity was provided in tents for charging your mobile and a Read More
Your Ultimate Guide To 72 Hours in Himachal Pradesh
"There are some places that remain etched in memory, this is one of them. Just the ambiance is so royal, it makes us feel like we are part of a royal lineage. It takes you back in time when princely states ruled the roost in pre-independence I Read More
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Become a part of our growing Travel Partner Platform. You can get high quality Chail travel leads and help our travellers book Chail holiday packages. Join now!


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Cogito, ergo sum
From Unreal Wiki, The Unreal Engine Documentation Site
Why are you people so keen on referencing legacy pages from the non-legacy part of the wiki? —Wormbo 00:23, 11 November 2016 (EST)
- Is there any definition available here what is classified as "legacy" and what as "non-legacy"? I didn't find such. I guess that everything related to current Unreal engine is "non-legacy", everything to previous versions "legacy". But that would be a bad classification IMO. --SeriousBarbie (talk) 10:08, 11 November 2016 (EST)
- It's right in the page name, the "Legacy" part before the colon. Background is that the old UnrealWiki (before the switch to MediaWiki) had a very wonky copyright statement. —Wormbo 11:25, 11 November 2016 (EST)


text: Welcome to our NEW!! LAZERGLOW Terrain - Terrain At The Speed Of Light page where you will find all of our in-house designed and produced laser cut multimedia terrain. The terrain found in this area will be for different scales and rule systems. We will continually be expanding this range and certainly welcome the input of you the customer as to what types of terrain you would like to see so we can be as responsive to the needs of the gaming community.


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Our thoughts on everything from what attracts mosquitoes to why you should live life outdoors — and more!
Get Lost in a Corn MazeTuesday, October 17, 2017
You likely remember the nostalgia from your youth: Winding your way through turns and dead ends, with tall corn stalks lining the path on either side. Corn mazes are life-size puzzles just waiting to … Read more
Adventure Racing: An Interview with the Happy MutantTuesday, August 22, 2017
To some, adventure racing is a new concept, but to others, it's a way of life. Almost everyone you meet who does adventure racing says it's addictive, with every course offering its own unique … Read more
Top 10 Things We Love about Outdoor RetailerTuesday, August 8, 2017
As Day 4 of the 2017 Outdoor Retailer Summer Market came to a close, we reflected on Bug Protector's third year of attendance at the premier event. There are so many amazing things this show has to … Read more
A Zulily FirstWednesday, May 3, 2017
Bug Protector is landing in thousands of mailboxes across the country this month! We're excited to be partnering with Zulily, an online company tailored to women and moms looking for unique brands … Read more
Visit a National Park (It's Free!)Tuesday, January 24, 2017
The National Park Service turned 100 years old last August! Know what that means for 2017? There are ten free entrance days for all 120 national parks that otherwise charge admission, listed here. … Read more
Pictures Say It BestThursday, December 15, 2016
Winter isn't a cold season everywhere, but those who experience winter weather can relate to the low temps and snow it brings! What IS everywhere is the spirit of the holiday season that comes each … Read more
That's an (Outdoor) Wrap!Tuesday, August 9, 2016
This year's Outdoor Retailer show was a must-see for anyone who enjoys living life outdoors.
Considered one of the world's largest trade shows, this four-day event was a fast-paced excursion of all … Read more
All Natural, All Spring LongTuesday, March 29, 2016
As we near the end of March and the temperatures rise, it's inevitable that bug season is nearly upon us. For most, April through September is typically high bug season, and that season tends to … Read more


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ABOUT The Bookseller's Daughter ...
I like to include real historical
personages in my romances. In The Bookseller's Daughter, you'll encounter
notable figures like Benjamin Franklin and notorious ones
like the Marquis de Sade. But the book's central historical
character is one you'll probably take for my own invention:
the predatory bookseller Monsieur Rigaud of Montpellier,
who slyly remains off stage but who had a good deal to do
with my writing this book in the first place.
The actual historical Isaac-Pierre Rigaud
made a good living selling books (smuggled and not) during
the second half of the eighteenth century. His business correspondence
survives in the archives of his Swiss suppliers and constitutes
the core of Robert Darnton's wonderful historical study, The Forbidden Bestsellers of Pre-Revolutionary France.
Darnton tells us that in the decades preceding
the French Revolution, a remarkable selection of literature
was smuggled over the French borders and past the censors --
to be sold "under the cloak" by booksellers bold
and shrewd enough to do so. Many well-known Enlightenment classics
got into France this way. And so did many lesser, smuttier
works, especially erotic (or "libertine") fiction.
Eighteenth century French booksellers didn't distinguish between
different orders of subversive literature: they called them
all "philosophical books."
Darnton doesn't draw easy conclusions about
the political effects of reading. His arguments and speculations
are subtler, and I recommend his book to anyone interested
in how history works and ideas change, day by day and on the
ground. I especially recommend his explanations of the mechanics
of book smuggling -- since I'll confess (with some embarrassment)
that I tailored my own simplified account to the requirements
of a romantic suspense plot.
I'm not embarrassed, however, by my own simple,
direct emotional response to The Forbidden Bestsellers, when it came out it 1994. My bookseller husband
read it as a history of his trade; as an erotic writer, I read
it as a history of mine. But I'd also worked as a bookseller,
and the early 90s were a time of energetic and baleful concentration
in our industry, as large chains began forcing smaller independents
out of business.
As I followed Rigaud's cutthroat strategies
and watched him buy up his competitors, I started to resent
him -- and to imagine another competitor, someone poor but
honest, with a love of liberty, a taste for all things American,
and a fetching bookish daughter, Marie-Laure. I saw her reaching
for a book on the top shelf -- of course, I thought, she's
wearing a pair of her brother's outgrown breeches under her
skirt, so she can climb the bookshop's ladder. Her fingers
are perpetually stained with ink, too, and she loves sexy smuggled
And soon after I'd gotten a glimpse of Marie-Laure's
dreamy eyes and ink-stained fingers, I caught a glimmer of
Joseph's crooked grin. Well, wouldn't it be fun, I thought,
if the smuggler with that captivating grin were actually a
libertine writer himself? What if he were also the son (the
second son, naturellement) of the meanest duke in Provence?
What if he'd fought in the recent American revolution? After
all, the French were avid partisans of American independence,
and the Marquise de Lafayette did fight side by side with George
Washington, just a few years before the beginning of my story
(for it seemed that this was a story).
Which is how I what-if'ed myself into The Bookseller's Daughter-- my first
attempt at a historical romance novel.
And I'm sure I wouldn't have taken the trouble
if I hadn't been so personally ticked off at Rigaud -- so you
can thank or blame him as you please. But I hope you'll want
to thank him for giving me my start as a romance author.
pamrosenthal.com | home
books | in
the works | about pam | blog | contest | molly
weatherfield | contact | site


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Suicide Prevention Awareness Part 2: Warning Signs
Several months ago I wrote a post on suicide prevention and the more I delved into the topic the more I recognized how extensive the article was becoming. Instead of creating one giant mega post, I decided to convert it into a series concentrated on one particular aspect at a time to ensure that the


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I'm slightly early on my 'What I read in…' series this month but I wanted to end the month with a blog post about the 28 day writing challenge I have been taking part in so here we are. I have been reading so much this month due to the start of my writing course and what a pleasure it has been. Most of the materials I have read I'm unable to share on here because they are excerpts or specific to my course but I managed to get through some books this month as well so yay me!
I first read Alex Wheatle when I was about 17 and in college and remember loving his ability to accurately depict black people. I read Brixton Rock about a teen living in a children's home and think it was one of the first books that I remember having a main character that was a person of colour. Representation is important when developing as a reader and something that young black readers struggle to find in literature.
Alex Wheatle spent much of his childhood in a Surrey children's home and was a witness to the 1981 Brixton riots, living through its precursors and aftermath. He used his experiences of this and a brief time spent in prison after the riots to begin his writing career. I feel this makes him more able to write about the black, urban background as he can use his lived experiences and create accurate portrayals in his writing. Liccle Bit is being described as Wheatle's first foray in writing YA and I think he does an amazing job. His ability to create real dialogue is his most engaging skill in my opinion as it leads to some strong characters. All the character's interactions feel very real. While reading it, I imagined so many boys I used to teach engaging heavily with the content of gang participation, lusting after the popular girl in school and not feeling like your family understand you. I would have loved to have used this book in school.
Alex DM-ed me on Twitter after I followed him and a lovely conversation ensued, he is such a awesome person! I have just started his next YA novel, Crongton Nights, which has been shortlisted for the Guardian Children's Fiction Prize. I hear that he is writing/has written a third in this series and am pretty excited about this coming out. He was speaking in The Guardian recently about the differences in writing YA dialogue when compared to writing adult fiction. This has inspired me for an upcoming blog post so watch this space.
Also, can we talk about the cover design of Liccle Bit? I love it! It's so striking and impressive
Goodreads rating: 4 stars
Despite owning two Zadie Smith books, I'm ashamed to say I have never read any of them. I will confess right here and now that I have a vast amounts of book on shelves throughout our house that I have bought but never read. Some women do it with clothes, I do it with books. Ok, I also do it with clothes but I will get round to all of them one day, ok? Stop judging me. So although I had two to choose from at home, I picked up a copy of NW from the library last month and actually read it (I know, I'm weird).
People have described this book, NW, as 'very Zadie Smith', which I probably would understand if I read her before but I haven't so… When I first started this book, I was struck by the way Smith writes, it's prose but felt like poetry. Example in point:
I am the sole
I am the sole author.
Pencil leaves no mark on magazine pages.
I didn't quite know what to make of this initially but found myself being lured into the her description of homes, areas and people I felt I had met or seen. It had a feeling of stream of consciousness writing to it, which I don't know if I was completely comfortable with and often felt like I was searching for an actual plot. But the characters were very relatable and well-defined. I connected to the character, Natalie, nee Keisha, a huge amount, possibly due to her being of Caribbean descent and rather bookish like myself but a lot of her struggles with her ethnicity felt strikingly familiar. Her descriptions of London were also completely real to me having lived in Northeast London most of my life. I actually still struggling with my rating of this book because structurally it was a little jarring but there were so gems of description within it.
Goodreads rating: yet to decide
What is a 'What I read in…' without a graphic novel included? Graphic novels are seriously the best. Words and art? Yes please!
This one is a slight cheat because I read this book over a year ago. BUT as volume 2 was released this month, I had to reread it to remind myself of the story. I remember not really being too fussed about it originally but I was obviously fussed enough to preorder the next in the series. Without wanting to give away too much of the premise as I get really annoyed with spoilers, I'll just say this is a type of alien invasion story that pays no attention to the aliens. Ten years ago, 'trees' landed on Earth and this graphic novel outlines the effects on various countries. It is a sci-fi story with an element of mystery. I like the way the story splits its attention to different areas, characters and cultures. I love Jason Howard's artwork in this novel and get quite irritated when I read comments on Goodreads suggesting his drawings are rushed and mediocre. Art, like literature, is obviously subjective but these people are wrong. Wrong, I tell thee. I enjoyed this so much more the second time round.
Goodreads rating: 4 stars
Volume 2 of Trees begins by letting you know what happened with the cliffhanger at the end of Volume 1. While I feel it was important for the author to attempt to provide more of an understanding about the 'trees' while also creating an air of suspense, I was disappointed with the primary focus on a single main character rather than the expanded cast introduced in the first volume. There was some brief expansion on some of other characters but not enough to feel satisfied. I liked the movement and pace more in the first volume. Part of the intrigue of this story is finding out stuff for yourself so I again, I don't want to go into too much detail but suffice to say, I am feel hooked on the mystery of the 'trees'. I also think this would be a fantastic Netflix series. You heard it here first folks! I hope that the next volume will go back to its focus on multiple characters and areas and that I don't have another 18 months to find out.
Goodreads rating: 3 stars (I wish I could leave half stars)
I thought I would include this despite the restrictions in people that will be interested in reading. Non-pregnant people aren't going to just pick and read this just out of interest. That said, it's something I read this month so I felt I should share.
When reading this, the editor in me was dismayed to find a multitude of mistakes in this text. There were some weird formatting issues in my copy with paragraph breaks in the middle of sentences as well as quite a few spelling mistakes. Tut tut.
My husband and I were initially anxious about the labour part of having a baby more than having the baby itself. This has probably not been helped by the legions of mothers who are more than willing to regale you with their stories of traumatic births and difficult recoveries. I have no idea what leads parents to want to scare seven kinds of crap out of you when you share your news about being pregnant or tell you that you'll never sleep again etc.
Anyway, what led me to this book was meeting a lovely woman in the queue to a local day festival, she was very clearly pregnant so we got into the usual mum-to-be conversation. It turned out that this wasn't her first but rather than taking no time telling me how horrific her labour was, she told me that it was a 'beautiful and calm experience' so I obviously thought she was crazy. After further conversation, this woman had convinced me that it was possible to not only enjoy giving birth but also do so with limited medical intervention and/or pain relief by using something called HypnoBirthing. Oh how my friends laughed when I told them about this later.
After much searching for more information, I came across this book by Suzy Ashworth. This guide draws on the HypnoBirthing model developed by Marie Mongan in 1989. Mongan was a hypnotherapist who used her own birth experiences to teach women to have medication-free births in the 1950s and 60s, a time when that was generally unheard of. It may sound hippy-dippy to you guys but Suzy specifically says that there is 'no vagina whispering' in her book, which is good to know I suppose. I read the book along with my husband and despite us both being pretty cynical to begin with, Suzy ended up up converting us well enough to purchase her online Calm Birth School Course. So my birth WILL be a calmest birth ever!
Goodreads rating: 4 stars
Fiction: 4
Non-Fiction: 1
Follow me on Goodreads to keep up with what I am reading and see me fail miserably at my reading challenge. C'mon, it'll be fun.


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Sir James Mackintosh (1765-1832) was born in Aldourie, Scotland, on the banks of Loch Ness. He had been described by himself and others as "indolent and dilatory at every period of his life." When taking his degree, he put off writing his thesis until an hour after the appointed time of his examination by the entire faculty enclave who were kept waiting for him in patient condescension. How did this obscure Scotsman come to the notice of Lansdowne House, particularly when admittance within its halls was habitually sought after by the industrious and the prompt?
The man was just so very interesting!
His mind was stored with the wisdom of the ancient and modern world; and his remarkable memory enabled him to retain all that he had read. His conversation was enriched with wit, philosophy, history and anecdotes, and so extensive was his range of knowledge that it was said of him that he could pass from…
View original post 415 more words


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Course Description
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text:
|Micro USB connectors
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text:
When she turned to consider me she did not get back the look straight away, and looked like she might have been upset. Though by the full time I finished my question she did make an effort to protect it down with a smile. I am sorry, it hasn't been a very good morning, and appears to be finding worse. I'm probably not likely to be the absolute most fun person to chit talk with right now, she replied. However trying to force a smile. I could not inform if she was angry or unhappy, but she did search upset. Will there be such a thing I can perform? Some thing? You do know that the happiness is essential for all our pleasure, right? That's why you're any office mom. Even though I'm rather specific I have never pictured my genuine mother in her red lingerie, I said, wanting to reduce the temper a little. It appeared to work, since her chuckle seemed, appeared and believed genuine. She had a huge grin on her experience, when she kind of squinted like in deep thought about something. Thanks for that Brian, you're always so special, she
said. Then she seemed about, to make sure nobody elizabeth lse could see people, and applied her catalog hand to activity for me personally to come closer. I needed a few steps towards her, and then watched in genuine amazement as she uncrossed her feet and lifted her skirt. I'd a great see of her wonderful color feet, and sure enough, her bright red panties. My eyes needed been going to bulge out of their sockets, since I could not think what I was seeing. Correct when I started to slim in actually closer, for a level better search, she pushed her top back down. Ok David, which was merely to many thanks to be so sweet. Today we both better return to work. Many thanks for seeking to create my day better nevertheless, she said as she made her seat back toward her desk. I must have stood there for a whole second in complete shock. My brain was racing, thinking about the number of choices of what only happened. Should I just return to my table? Must I inform her how infatuated I am with her? Nightmare, must I recently get as much Free Sex Private Chat as her and hug her? She's nineteen decades over the age of me, and we are both married , therefore it's mad to consider we will actually catch up. I made a decision to only go back to my desk, and decide to try to determine a way to focus on work. Now it's 1:15pm, and I just returned from my desk, after sneaking down to the toilet to idiot off. I don't usually do that at the office, but someone had stuffed my mind with lust. I will be happy that it needed three hours for the temptation to ultimately get over. I turn towards my computer and I hear Janie's very common high heels on the tile floor. Lord darn that's my personal favorite noise, because I am aware I reach see her attractive feet in these heels. I turn to gawk at her, as usual, and observe she is holding a box of papers. It seems a bit large, but she doesn't appear to be she is really experiencing it. In either case, I see the opportunity simply to talk to her again. May I allow you to with that box? I Sexcams For Free ask. It looks heavy. It's not that poor, I'm only going to the shredder to strike down some water, she answers. I insist, I state, reaching out to get the package from her.
I've needed to do that for four years now. You have no idea how many times I've fantasized about that, I said. What, you think I have not seen you look at my butt all this time? Some times I go by your desk, simply because I know I'll have your attention. Delay, you've been contacting me work mother for three years. Does that make that strange? she asked. Oh hell, I hadn't also seriously considered that. I believe we just had company incest, I claimed, laughing at my very own joke. Luckily, she laughed as well. Then she rolled off me, turned onto her side, and offered me yet another extended enthusiastic kiss. Ok, therefore, we can not do this again, for a number of reasons. I recently wanted to many thanks to be so sweet, and nurturing so significantly about me, but I do believe I might have allow it get free from hand. I promise that wasn't my goal, she Adult Live Sex Chat said. Kissing me long and hard again. I believe you are absolutely proper, we definitely shouldn't try this again. From now on, we should truly get to one of our houses, or get a college accommodation, I claimed with a laugh. You end it, I am being significant, she laughed. Hitting me in the shoulder playfully. Yet another long kiss. We greater get up, before some one walks in on us. We equally remain up, and started getting her clothes. She appears so wonderful adding her panties on, and then her bra. Seeing her today, in just her vivid red bra and bright red panties, she appears precisely how I imagined her today when she began this full basketball a rollin. Dragging up my shorts, I zip up and gear up, and give her dress to her. She puts it on, and turns her right back to me, in a quiet demand for help. I get the zip, and go it up the back. She converts about and we kiss again. I hope you were able to allow some steam down in the shredder room. I am gonna let you actually shred those documents today, Free Live Web Cam Girls I claimed with a smirk. That is definitely probably the most fun I've ever had in this room. Therefore, do you think you'll be able to hold both hands to yourself today? We can not get too comfortable together, or we'll get found, she said. Oh not really a chance. You have no idea how often I have been persuaded to seize your butt when you're filing. Today I know I'm gonna provide in to that ten temptation, before you inform me to prevent of course. I really do have another question though. Did you wear that pretty blue skirt today, just so I'd ask you if you had any red on? I ask. Oh you're great Brian, she answered. She converts and accumulates the field, to wear it the dining table, and needless to say offers me a great view of her ass. While checking out her bum, just as before, I detect a large white glob of cum moving down her internal thigh. I declare I simply felt my dick twitch again.
She may be nineteen decades older than me, but she's however the latest woman I've actually really met in person. Her name Hot Sex Cams is Janie, and her desk is about five feet behind mine at work. She's small and petite, with great feet and probably the most amazing ass I've actually seen. Her blonde hair really stands apart, but it's far from the only thing about her that draws my awareness of her. She truly is the full total package, having an amazing personality on top of her gorgeous beauty. The best part of the morning is when I hear the pressing of her high heel shoes as she guides in, and walks proper previous my desk. We always claim hello, and frequently put something otherwise to your very brief morning discussion, and then I could view her butt while she hikes to her desk. My favorite part of the day is when she's processing the orders in the line of file cupboards directly behind my desk. It's difficult to concentrate when she's curved around, showing her wonderful ass down like the trophy it is. You may have got by given that I do believe she has the best bum I've actually seen. Today we were supposed to use red for a huge client who was simply around, nevertheless when she went in she had on this excellent orange sun skirt. It appears like silk, and even flows around her legs exactly the same way cotton could, nonetheless it doesn't feel just like silk. In any event, she looks amazing inside it, but it's perhaps not red at all. Hello Janie. Do you have any red on at all? I asked, actually astonished that she wasn't carrying any. Not that you will see, she replied, with a coy smirk on her behalf face. Janie! was all I possibly could muster, in my own total disbelief. She had never before said such a thing like that if you ask me, and it found me fully off guard. Her laugh changed into a huge smile, and then she began laughing. I couldn't tell from her reaction if it slipped out, or if she said it on purpose and was teasing with me. I chose to play it secure, and suppose she'd tucked up. The past point I needed to complete was have to explain to my spouse why I acquired fired for sexual harassment. To produce things worse, her partner was a big daunting guy. Therefore, I believed it best to get the cautious road. She visited her table, and remaining me confused at mine. The past few years we've been contacting her the office mother, since she generally tries to make everyone else feel at home, whilst in the office. She brings break fast often, and generally makes certain I get first dibs. She is the one who organizes the happy hour get togethers. So, there I was abruptly and quickly imagining the smokin warm office mother in a red bra and red panties. Needless to say, I have had trouble focusing on my work today. About 30 mins after she returned to her workplace, I could not stay it any longer. I had to determine if she was teasing with me or not. I included the perfect program to find out. I hopped up and stepped over to her desk. Once you claimed I couldn't see your red, did you mean at that moment, because it was covered up, making the likelihood that I may have the ability to notice it? I asked, with a smile that I expected would hold me out of HR.


text:
|Mike Siklenka
| Height
| 6 ft 4 in (1.93 m)
223 lb (101 kg)
| Aust Team
F. Teams
| Klagenfurt AC
Philadelphia Flyers
New York Rangers
Leksands IF
EC Red Bull Salzburg
| December 18 1979,
Meadow Lake, SK, CAN
|NHL Draft
| 118th overall, 1998
Washington Capitals
|Pro Career
|1999 – present
Michael Siklenka (born December 18, 1979) is a Canadian professional ice hockey defenceman currently playing for Klagenfurt AC of the Austrian Hockey League (AHL).
Playing careerEdit
He has played in two National Hockey League (NHL) games, one with the Philadelphia Flyers and the other with the New York Rangers. He has also played for Leksands IF of the Swedish Allsvenskan, Lukko of the Finnish SM-liiga, and Klagenfurt AC and EC Red Bull Salzburg of the Austrian Erste Bank Eishockey Liga.
Siklenka was a member of Team Canada for the 2007 Spengler Cup.
Personal lifeEdit
Siklenka has a wife (Jolene) and two kids (Rain and Jones).
External linksEdit
- Mike Siklenka's career stats at The Internet Hockey Database
- Mike Siklenka's career stats at Hockey-Reference.com
- Mike Siklenka's biography at Legends of Hockey
- Mike Siklenka's NHL player profile
|This page uses content from Wikipedia. The original article was at Mike Siklenka. The list of authors can be seen in the page history. As with Ice Hockey Wiki, the text of Wikipedia is available under the Creative Commons Attribution-Share Alike License 3.0 (Unported) (CC-BY-SA).
Community content is available under CC-BY-SA unless otherwise noted.


text:
Excel VBA course 1: Introduction to Excel macro programming using Visual Basic for Applications (VBA)
Learn how to develop Excel macro programs and Excel applications with expert program features and functions. VBA basics for automation of reports and programmed macros for financial functions, statistics and calculations in Excel.
Read more about the introductory VBA course for macro programming in Excel.
Excel VBA course 2: Advanced Visual Basic (VBA) programming for Excel - the next step
Continue developing Excel macro programs and Excel VBA applications using advanced programming features in this advanced VBA training course.
Read more about the advanced VBA course for macro programming in Excel.
One-day digitalisation workshop: Explore the power of VBA macros for Excel
Explore the possibilities and opportunities presented by using Microsoft VBA macros to automate reporting, financial modelling and other work tasks, extending Excel functionality and improving user interaction. Discuss how VBA can be used in digitalisation to change a business model to produce more value, provide new revenue and reduce costs.
Theory and demonstrations intertwined with workshop discussions regarding the possible use of VBA in the internal processes of your organisation, as well as recording your first macro. Not a course in programming.
Read more about the exploratory VBA macro overview and workshop for Excel.


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Dish TV aims to increase market share in Tamil Nadu
MUMBAI: Even as cable TV companies are racing against time to complete digitisation in Tamil Nadu, the direct to home (DTH) players are increasing their focus on the market to wean away cable customers.
In order to increase its market share in Tamil Nadu, DTH operator Dish TV has added 30 new Tamil channels to fill in the gap in its content portfolio. With the addition of these 30 channels, Dish TV's Tamil channel offering will increase to 70.
Available only on new customer acquisitions, the offering includes both standard definition (SD) and high-definition (HD) channels. The existing Tamil language portfolio on DishTV include leading channels like Sun TV, Star Vijay, Zee Tamil, KTV and Colors Tamil.
The addition of new content will allow Dish TV to compete not just against other DTH players but also cable TV platforms.
"We will ultimately have 70 Tamil channels. We are adding new channels in phases. Due to certain constraints, we had comparatively lesser number of channels. Now we want to make sure that we have complete Tamil content so that we are able to address all segments of customers," Dish TV India SVP marketing Sukhpreet Singh told TelevisionPost.com.
Singh further stated that the company will refine its existing plans to make its offering more attractive.
"With the addition of new content we will refine our packages to make it more attractive for different segments," he stated.
Dish TV has plans for different customer segments. It also allows customers to pick channels at Rs 8.5 under 'Mera Apna Pack' initiative.
"We recently launched a competitive annual plan. We also came out with a base plan where at a very one could basic channels. Then we launched a 'Mera Apna Pack' which allows customers to choose a single channel at Rs 8.5. The base pack and availability of a la carte channels at Rs 8.5 makes it an attractive proposition for customers at the entry level," he noted.
Dish TV has stopped acquiring new customers under its sub-brand Zing. The focus is to push the main in the market.
"In 2016, we had stopped adding new customers for Zing in Tamil Nadu market. Existing Zing customers are being serviced but new customers are not being added. In Tamil market, we decided to focus on Dish TV brand two years ago," he said.
Singh conceded that digitisation is an important opportunity for DTH players to acquire more customers. "Tamil Nadu is a very big market. With the ongoing digitisation, it has become even more important. So we have also increased our focus on the Tamil market. We would like to increase our market share in Tamil Nadu," he asserted.
With Tamil audience having a greater affinity for content in local languages, Dish TV will also exclusive services to cater to the local audience.
"We are also planning to add Tamil movie channels which are exclusively on our platform. These are not regular channels. We are creating these channels for the Tamil audience. We will also provide exclusive channels and services in Tamil Nadu," he revealed.
He also said that DTH's strength is that it provides better content mix besides having a superior technology and customer service.


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- To helpUnemployed youth & under privileged to make them job ready.
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- To provide best Training & Placement service to the underprivileged to make them employable and industry need.
- Educate and equip potential and early stage entrepreneurs across India especially amongst women.
- Upgrading community livelihood to make significant impact on rural economy.
- To make a bridge between job & workforce, therefore women participation and empowerment is fundamental to women rights.
Goal : To provide best Training & Placement service to the unemployed & underprivileged students based on their skills and upgrade their skills to make them job ready as per industry need and requirement.


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Captive Insurance as an Alternative Investment
Captive Insurance as an Alternative Investment
Alternative investments are a popular way to diversify a portfolio. Examples of alternative investments include private equity funds, distressed securities, and commodities. In general, any investment that is not a stock, bond, cash, or real estate may qualify as an alternative investment. These investments traditionally deliver above-market returns and provide overall portfolio diversification. Alternative investments generally have low correlation with traditional finance investments and are protected against systemic market risk.
According to PwC's asset management practice, the alternative investment sector is anticipated to grow 11.2% annually through 2020. If true, this would make alternative investments a $15.3 trillion dollar industry in the next four years.
Captive insurance companies are insurance companies. Properly managed captives provide substantial returns on investments, often exceeding 40% return on underwriting profit. Thus, captive insurance companies qualify as alternative investments and should be evaluated as part of a holistic investing strategy in order to increase the investors' returns while simultaneously controlling and minimizing enterprise risks.
Historically, captive insurance has been a popular investment vehicle. The incorporation of a captive is a commitment from management to make money in the insurance industry. There are a number of publicly traded insurance companies that originated as captives. For example, Gold Medal Insurance Co. was a captive for General Mills, and Allstate was originally the captive for Sears & Roebuck Co. Currently, Allstate Corporation is the largest publicly held personal lines insurer in the U.S. and is the 2nd largest personal property and casualty insurer in the U.S. as measured by statutory direct premiums written.
Investment managers are a critical function of the captive insurance model. Assets placed in reserves for captives must be professionally managed by licensed managers. Any managers whose clients own companies should be aware of the value of captive insurance as a captive is a tremendously valuable financial vehicle for an investor to add to his portfolio.
Investing in Insurance
Insurance as an investment is not a novel concept. Syndicates with Lloyds of London have invested in insurance for centuries and possess a tremendous financial track record. The U.S. multinational conglomerate, Berkshire Hathaway, is another example of solid insurance investing. Berkshire Hathaway has substantial insurance investment positions, including GEICO, an automobile insurance company, Gen Re, a global reinsurer, and Berkshire Hathaway Insurance, a bond insurance company designed to insure municipal and state bonds. These investments generated an aggregate surplus of over $136 billion as of December 31, 2016.
Although Berkshire Hathaway invests in traditional insurers, the business models for a traditional insurance company and a captive insurance company are identical. The insurer assumes the risk of loss from persons or organizations that are directly subject to certain risks. These risks include property, casualty (liability), health, accident, financial, or other perils arising out of an insurable event. Insurers must maintain minimum statutory capital levels in their domicile of operations and must ensure solvency in order to pay the claims of the insured.
Captive insurance differs from traditional insurance in minor ways. The biggest difference is that the captive generally only underwrites the risks of the parent entity or entities providing the capital to create the company. Further, captives are less regulated than traditional insurance companies, which opens up new insurance opportunities, such as insuring hard-to-quantify risks and investing reserves in private equity assets (depending on the captive's domicile).
Insurance Investment Metrics
Investors should view insurance as two distinct operations: underwriting and investing.
Traditionally, underwriting is the practice of accurately pricing risk and covering risks by placing the underwriter's name under the total amount of risk the underwriter agreed to accept. Hence the term, "underwriter." Modern underwriters generally manage premiums, assist with setting and taking down reserves, and manage the overall profitability of the insured risks. Factors affecting underwriting profitability include catastrophic losses and poor risk management.
For traditional insurers, underwriting strategy manages risk by employing disciplined pricing and risk selection. This generally develops profitable books of business throughout market cycles. Actuaries work closely with underwriters to provide sophisticated analytical, catastrophe loss and risk modeling techniques to ensure an appropriate understanding of risk, including diversification and correlation effects, across product lines and territories. This ensures that losses are contained within risk tolerance levels.
Investing is the second operation of an insurance company. The investment objective maintain liquidity and ensure healthy reserves on hand for losses. Investment quality and diversification are also considerations and are incorporated into any healthy investment strategy.
Most insurance companies, including captives, do not permit leverage or complex credit structures in investment portfolios on funds reserved for losses. Unencumbered funds may be invested with considerably more flexibility.
Assets held in reserve are invested in liquid investments in order to ensure that they are available to pay claims. Pre-tax investment income is invested in a balanced portfolio of cash, cash equivalents, bonds, and other assets. Captives may invest a portion of their unencumbered funds in private equity in order to maximize the investment returns. However, conservative investments are generally necessary for reserves in order to keep reserves on hand for claims. Solvency is one of the key considerations of any captive investment professional.
Investment management is best handled by financial professionals with proper accreditation and knowledge of the capital markets and institutional investing. Investment professionals managing portfolios for investors who own businesses should consider captives as a valuable investment opportunity to add diversity and value to the overall investment strategy.
Captive Insurance Investment Value Proposition
While traditional insurance is often a great investment, captive insurance offers many advantages over traditional insurance carriers.
- Captive insurance is tax advantageous. In the U.S., premiums paid for business insurance are deductible under Section 162 of the Internal Revenue Code. With captives, these revenues are also deductible. However, instead of forfeiting these premiums to third party entities, captive insurance companies capture these premiums and their associated underwriting profits. This creates a tremendous tax advantage for the parent company as it is permitted to deduct premiums paid for its own insurance and invest those premiums as reserves until claims are paid (if ever). If no claims are paid, then the reserves are eventually taken down and may be returned to the parent in the form of long term capital gains.
- Captive insurance companies provide tailored insurance for the parent organizations. This means that captives can insure risks generally unavailable or unaffordable on the marketplace. For example, cyber and reputational risk liabilities are increasingly large risks for a company's online presence, but traditional insurance carriers generally overprice coverage or simply do not offer it at all. Captives can price out proper premiums for the risk and provide coverage to the parent at a tax advantage basis.
- Captive insurance stabilizes the parent company's insurance premiums as captives are not subject to hard and soft market swings. This means that when the insurance market hardens and premiums go up, the captive's premiums are unaffected and the parent's financials weather the insurance storm. This stability provides for better financial modeling and projections.
- Captives provide direct access to the global reinsurance markets. This cuts out several brokers and middlemen, which means that captives can reinsure the parent's risks cheaper than traditional carriers. Consequently, the overall insurance costs may be reduced through a captive program.
- Captive insurance companies turn a cost center into a profit center. The incorporation of a captive into the corporate structure introduces a new stream of revenue into the corporate hierarchy, creating an additional weapon for the company in the marketplace. As captives continue to proliferate through the market, more competitors will employ captives as part of a profitable risk management strategy providing additional capital at lower risk than competitors.
- There are no crowds with captive insurance. Historically, the best returns for alternative investments were gained before the crowds discovered them. Investors late to the game end up chasing vanishing returns. Captives are subsidiary creatures of private companies and the investment value of the captive is a function of the health of the parent company (the insured entity). If the insured entity incurs few claims, then captive insurance is a profitable investment. This means that captive insurance's value is not a function of the overall investment market. The value of the captive rests in the profitability of the parent company.
Sample Investment
Imagine the following scenario. The owners of Company X are currently paying $1,200,000 annually for workers' compensation insurance. After several years without a major incident, Company X's insurance carrier raises premiums. Since Company X has a great loss history, the owners are concerned that they are overpaying for insurance and they investigate alternative risk solutions. Their broker recommends them to consider incorporating a captive.
During the captive incorporation process, it is determined that Company X is overpaying for premiums and can reduce their annual WC spend to $1,003,030. WC programs are controlled lines and require a fronting carrier. The captive's first year of operations profitability would look something like the following:
|Year 1
|Gross Written Premium Workers Comp
|Less Excess Carrier Premium
|TOTAL Premium to Captive
|US Expenses:
|Captive Back Office Management Fee
|Senior Living Brokers
|Government Fee
|TCI Management Fees
|Total Expenses
|Net to Potential Loss Fund
|Plus Invest Income
|Loss Fund + Investment Income
|Less Estimated Ultimate Loss (50%)
|Net Profit /( Loss ) before Tax
|Underwriting Profit Margin
This underwriting profit margin outpaces virtually any other investment in the marketplace. Further, Company X now has the ability to control claims through the selection of defense counsel (assuming the fronting arrangement permits) and can exercise greater cost control. Further, the captive is now a second stream of income of nearly a quarter million in the first year alone. As the captive grows over a 5 year period we see increased profit margins:
Captive insurance is a powerful financial weapon that should be discussed by management. The benefits of captive insurance extend beyond risk management. These entities are tax efficient vehicles that add a new stream of revenue to a business. Consequently, they are a low risk tactic through which to add value to an investment portfolio.
Investment managers should discuss whether captives are a good fit with their client's companies. These captives may end up providing greater returns than any other offering on the market.


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Here at The Karmic Path, we have a foundational saying, "Karma Never Wastes Energy". With every situation we face, there are reasons and opportunities for us to learn and grow — even though at the time, we may not know what those reasons or opportunities may be. They may not manifest for weeks, years, or even in this lifetime. That is what can make this so hard to understand our karmic paths and our soul purposes.
I was recently sent this amazing link to a song by Ed Sheeran and Andrea Bocelli. When I saw it, it reminded me of a story that I had heard Ed Sheeran tell an audience a few years back as he was being honored for a Benefit Gala.
Here is the story: As a child, Ed Sheeran says that he was not a popular child among his classmates. He stated that he was a weird child. He had a port wine stain birthmark on his face that was eventually surgically removed, hearing impairment, glasses, and then a speech impediment. This speech impediment was a severe stutter. Then he discovered how music would change his life.
He went on to say that every day after school, he would go to his bedroom and learn to sing and play the guitar. I am going to assume that this was his escape and it eventually became his passion.
In this process, he learned to be himself and what that meant.
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Without Ed's early childhood dilemmas, would he be the singer/songwriter he is today? Did karma "gift" him with this stutter so that he could take to music and learn to overcome it? Was this a karmic test? Was this part of his life path? These are questions we can all ask ourselves about ourselves.