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What is Sod?
Sod (turf) is a surface layer of ground containing a mat of grass and soil beneath it held together by the roots. Benefits to sod are to help establish a lawn quickly and avoid soil erosion.
Why Sod?
Seed tend to be blown about by the wind, eaten by birds, or fail because of drought. It takes considerable amounts of time to form a visually appealing lawn, and even more time before it is robust enough for use.
Sod largely avoids these problems, and with proper care, newly laid sod is usually fully functional within 30 days of installation and its root system is comparable to that of a seeding lawn two or three years older. Also, sod lawns typically require less work to maintain. This is because it's healthy when installed, whereas a seeded lawn requires more maintenance and years of nurturing to reach maturity. Sod reduces erosion by stabilizing the soil in these types of areas.
Types of Sod (Grass)
We use premium blend (mix) of Rye Grass, Kentucky Bluegrass, and Chewing Fescue. Rye grass is the quick germinating (easiest o grow) type, Kentucky Bluegrass is good in the sun as it gives off a vibrant colour, and Chewing Fescue is for the shade. This is the best mix for Ottawa homes and lawns around Ottawa, Ontario.


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- +91-832 2790959/2790714
Department of Mathematics
Department of MATHEMATICS
Mathematics is a subject offered at the BSc General and BSc Honours courses. It is a core course for BSc General students and a generic elective for both General and Honours students at semester I to IV . The faculty also takes lectures in Commercial Arithmetic offered in semester I and II , and statistical techniques offered in semester III and IV in the Department of Commerce . A general BSc degree course with PCM ( Physics / Chemistry / Mathematics ) combination has very good scope for further studies and career prospects .
1. Ms. Gladys Mony (Associate Professor, HOD)
2. Ms. Divya R. Bandekar (Assistant Professor)

subset: commoncrawl


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Give Now to Support Hurricane Disaster Relief.
Hurricane Dorian was the most intense tropical cyclone on record to strike the Bahamas, and is regarded as the worst natural disaster in the country's history.
The News Headlines are no longer a major story but the Human Pain & Suffering is more serious now than ever and growing daily. Join with the Florida Pharmacy Association and the Foundation to help in this desperate time of need for the victims of Dorian. Your help can make a difference and is needed today!
ALL DONATIONS ARE TAX DEDUCTIBLE. Any amount welcome.
Walkway of Recognition
Have you been searching for just the right gift for a loved one or treasured friend, or thought of placing your name in perpetuity? If so, then consider purchasing an engraved brick for you or someone else. Engraved 4×8 bricks can be purchased for $250. Each with the donor's or honoree's name engraved (3 lines available) or you could also purchase and engraved brick for anyone you feel should be honored or remembered. The monies earned from this project will be used to fulfill the goals of the Foundation. There are a limited number of bricks available—so, order now! It is a good thing.


text: Zeyez 1,345 Posted September 27, 2017 The concept of the mod system rely on diversity of options between what kind of attributes we will put in our weapons, warframes, companions... but some of them are inside of an endless spiral of forgetfulness that make the players ignore its utility, and by consequence, their existence as something different than endo/credits packs. i'm here to bring them back, somewhat... in general, i will try bring those mods to the elemental mod's level, besides some of them will have more than 1-2 bonuses to balance out so, let's start with: Pure status mods: mods that only grant status chance, that basically an chance to apply an additional effect based on the damage of the weapon, useful if you are trying to focus on fewer combinations to increase the possibility to inflict the right effect, unlike those elemental + status mods that increase the overall chance, but put more damage types on the mix Stunning Speed, Sure Shot, Rifle Aptitude, Meele Prowess and Shotgun Savvy didn't end well by the time damage 2.0 arrived on warframe, from the time that was used to give stun chance, and now, they are using their old values based on weapon's status chance (that vary between +10 to +30% bonus), which is useless compared with those event elemental + status mods that grant +60% elemental damage the change: follow the Entropy Burst's mod rule, keep their values on range between +10 to +30, but make them grant flat amountfor weapons (if the the shotgun has 10% status, using Shotgun Savvy increase it to 40%, instead of 13%) the same rule can be applied for Enduring Strike (+60% status, but -40% channel efficiency), but this one should be +100 status chance, ensuring one status proc per strike Channeling mods: players that doesn't know about them, channelling mods are mods that grant bonuses only if you equip your meele weapon and actively use your energy by holding fire button Quickening, True Punishment, Enduring Strike (you again? i won't repeat the suggestion on this one from "Pure status mods section") and Corrupt Charge falls on this category, that in general, has worse bonuses that its normal counterparts, with exception of the unique effect from Life Strike the twist will be in 3 parts: The energy cost will count each strike, instead of each hit, this will reduce the cost if you are hitting many enemies at once, but will punish every missed strike adjust their bonuses to become something more universal, or at least, powerful enough to justify the energy cost they have reduced effects while not channelling, keeping only 20% of the potential, if the mod is solely based on this bonus - Quickening: From +20% to +0.6 attack speed while channeling (weapons with attack speed lower than 1.0 will have an bonus better than +60%), from -80% channel efficiency to -20%, +0.12 while not channelling (basically, this mod will help even if you are not channeling, but the effects are worse) - True Punishment: From +40% to +50 flat critical chance (non-crit weapons will be enabled to crit more naturally) and keeps the -60% channel efficiency, +10 critical chance while not channelling - Corrupt Charge: From +100% to +200% channel damage and +50% charged attack damage (basically, from 3x to 4.5x base damage on it), but from -40% to -60% channel efficiency and cost 2 energy to use charged attack (if you don't have the energy amount, this bonus will be ignored) - Focused Defense: (+20% armor, but -140% channel efficiency) barely worth mentioning, since it only increases armor while channelling... but the change could be give 100% auto-parry on 360° degree while channelling and increase the weapon's block effectiveness by 20% (capped at 98% damage reduction), but cost 2 + 3% of maximum energy per second to keep active (this will count as toggle ability, that deny regenerate energy with Energy Vampire, Energy Siphon... while active) Usability mods: mods that are used, at least you think you could use, to increase your sustained DPS, the QoL of those weapons (like zoom, reduce noise...) or even exchange other resources (ammo) for more damage (fire rate) many mods fall here, from Ammo Drum to Tainted Shell (both are ammo capacity, but not restricted at them) - Eagle eye, Hawk Eye: this mods increase the zoom by 40-80%... and only this... the game, until the Plains of Eidolons, those mods barely give any advantage to have this status as positive one, so, let's give some additional stats - increase zoom from 40% to 80% (only Eagle Eye) - while in zoom mode, increase the projectile speed by 60% (if applicable) - increase overall weapon's damage by 20% if you hit a weak spot (banshee sonar, headshot...) Ammo Drum, Shell Compression, Tricky Mag: obviously, doesn't matter if you raise your ammo reserves if you can't use everything... or there is a mod that replaces it (ammo mutation) - Increase the maximum ammo by 90% at max rank - Increase ammunition pickup by 40% - If you have less than 75-50-25% ammunition, increase the movement speed by flat .05 | .10 | .15 (only counts if you're with the weapon in hand) - +30% reload speed if your weapon's clip is empty Slip magazine (primed), Magazine Warp: give the same treatment than Ammo Stock (shotgun version) - Raise from 5% each rank to 10% (60% at max level, 110%¨for Primed Slip Magazine) Fast Hands (Primed), Tactical Pump, Quickdraw: because of the way these mods works, they end up being weaker than they appear. example: instead of +100% reload speed grant 0 second reload, it just reduce the reload time by 50% - Raise from 5-8% each rank to +10% reload speed , raising to +60% (but the Primed Fast Hands will be +8% per level, increasing to +88% reload speed) Damage mods: that's exactly the ones you are thinking... those mods are used to increase the damage output of the weapon, but, by some circunstances, are left behind into an Limbo (not the warframe), especially after the introduction of damage 2.0, which didn't worried about fixing those numbers for rifles, pistols and shotgun mods... or interactionips, which previously gave that damage type to the weapon, instead of amplifying an existing one (i'm ignoring the meele ones since the numbers are, somewhat, ok, there's one primed derived from one of them and Accelerated Blast, because its dual type that's still useful into an specific weapon [Hek series]) Rupture, Disruptor, Concussion Rounds, Piercing Hit, Flechette, No Return, Sawtooth Clip, Shredder and Razor Shot falls under this category (5 levels, low bonus and focused on physical damage) because they are weakened versions of the 120% physical event mods, i will suggest something an bit different, in fact, 3 things: each of those mods, per level, will convert 5% of the entire weapon's damage (including elemental mods equipped) to their respective damage type (Razor Shot will convert to Slash, Disruptor will convert to Impact...), like the physical mods from PvP, at maximum level, will convert 30% of the weapon's damage (weapons without innate physical damage will earn this damage type) After the conversion, the mod will increase 3,5% of their respective physical damage, +21% at maximum level can't use more than one mod of this category at same time Corrupted mods: This category belong to the mods that has an positive and negative attribute, expecting that the trade would be, at least, meaningful, but Tainted Shell, Magnum Force, Burdened Magazine and others don't care about this Tainted Clip/Burdened Magazine: following the marathon (not the deprecated mod) of upgrades previously done by Slip Magazine and similars, let's increase these ones - Raise the magazine capacity from 10% per rank to 15% per rank (from +60% to +90%), while keeps the -30% reload speed Tainted Mag: slightly modify this mod, considering that one as 10-rank mod - Raise from +6% magazine capacity to +10% (max rank at 110%), keep the penalty (-33% reload speed) Magnum Force: what was supposed to be an counterpart of Heavy Caliber for pistols, doesn't do his job greatly - Raise from +6% per level to +15% (+165% at maximum level), keeps the -3% per level penalty (-33% at maximum level) Depleted Reload: i know that this mod was done to make the Vectis Prime users happy... but probably this one did the opposite, let's justify the existence of this mod right now - Increase the reload speed from +8% per level to +30% (+180% at maximum level), but keeps the -10% magazine capacity penalty (-60% at maximum level) edit: thanks to remember me this Littleman88 Critical Delay/Critical Deceleration/Creeping Bullseye: Critical chance counterparts that doesn't have any niche of use between normal and corrupted version, but with those changes, they can be used to reduce the weapon's fire rate on critical focused weapons, allowing to save ammo (Amprex, Soma, Tenora...) - Raise from +8% per level to {Critical Delay : 25%} (maxed at 150%)... keep the penalty (-36% fire rate) {Critical Deceleration: 20%} (maxed at 120%) {Creeping Bullseye : 15%} (maxed at 90%) Hollow Point: Same situation from above, but instead this one has an niche, it works as complement to Target Cracker, since nobody would use an -%damage mod in normal situations - Raise from +10% per level to +15% (90% at maximum level), keep the penalty (-15% at maximum level) Warframe augment mods: for the that doesn't know about them, those mods are the ones acquired on Syndicates that can alter or increase the number of functions of specific abilities of the warframe, which by some extent, can even create some builds that are created around them, like Peaceful Provocation, besides... many mods of this category needs to compete with other mods, but don't have enough weight to witstand against other more popular ones, like Flow, Overextended or even Vitality i will suggest changes on existing ones: Atlas: - Titanic Rumbler: the "draw aggro" effect of Rumbler needs to be bigger than it is now, like 25-30 meters (affected by Atlas's power range), maybe with limit on how many enemies are affected each cast (maybe 15-20), since 2 rumblers can draw aggro even better than this "augment" Chroma: - Vexing Retaliation: its range is too short (9 meters), even for Electric chroma, let it be 15-20 meters, doesn't need to change the damage, since the main utility is managing your own health by weakening the enemies, akin to the Staggering Shield from Mesa and giving some utility enough to challenge those builds that rely on Narrow Minded. Equinox: - Duality: The double keep with us for 7 seconds while using our weapon with 300% damage, but the A.I. is too dumb to work at short duration, and since Peaceful Provocation make us to keep one form for the entire mission (day for provoke + maim or night with mobile slow pacify), the change on this one will be increase its duration from 7 to 20 seconds, keeps 50% of the switch bonus (shield and armor for night, damage and movement speed for day), but the weapon's damage and double's health scaling will be only 100% (affected by power strenght), this will create an opportunity to the player keep changing his battle style and earn benefits of it. Excalibur: - Surging Dash: increase the +4 combo counter can be useful to earn more damage... but his combo counter has short time (3 seconds), like almost all warframes without Body Count mod, so why not give an additional +150% extra base combo timer (affected by power duration, but doesn't affect Body Count and Drifting Contact bonus) that increase his combo timer while he keeps using Slash Dash? obviously, he will start to spend a lot of energy to keep the combo counter active example: you have 3 seconds of combo timer and you hit something with Surging Dash, that 3 seconds will be increased by 3 + 150% duration (3 + 4.5 seconds), leading to 7.5 seconds of combo timer the following ones will keep increasing the combo timer by 4.5 seconds - Furious Javelin: instead of increasing only his meele damage, why not giving overall bonus damage? lessened than before (from 12% meele damage to 5% general damage), but with more duration (12 to 20 seconds), since besides he is an swordmaster warframe, this will not force him to use Exalted Blade due to the accumulated bonus be exclusivity for his meele weapons anymore or give more time to take advantage of the effect. Hydroid: - Tidal Impurity: just increase its status immunity from 6 to 12 seconds, again, same reason: short duration doesn't give any incentives to use those augments. Mag: - Greedy Pull: i know, they put line of sight on this mod because was so abused that this augment created an meta in the past, but right now, is useless, especially with the new mag passive... but to keep the "greedy" effect, apply an 15m vacuum effect (an little greater than Vacuum mod, that is 12 meters) on allies and her self for 25 seconds (affected by Power Duration) at every cast that hit them (and by default, herself every cast). - Shield Transference: almost only can be used against corpus and even then, doesn't give any overshield to the allies, only to Mag, the change is basically an tweak that is already applied to the Volt's Capacitance, that is give overshield to the allies near of Mag at even amount plus an additional effect on enemies with armor, and thar is give 5% of the armor removed (from 400 base ability, so, +20) from the enemies to herself and near allies, capped at 50% the maximum amount (if the ability has 400 base effect, will be +200 extra armor at maximum) for 12 seconds (percentage not affected by power strenght, but the maximum amount is, and duration affected by power duration). Nekros: - Soul Survivor: this mod is good as utility, but sacrifice his entire energy pool to ressurect other player without full health doesn't make it so desirable... if at least give more health based on energy used (like 1% extra health per 1% energy used, cap at 50% entire energy pool, plus 30% health of the mod's value), by this way, the augment become less punitive. Rhino: - Piercing Roar: just two things: raise the piercing proc effect to match Roar's duration (6 to 30 seconds) and allow recast Roar while active with this augment. Saryn: - Regenerative Molt: the regeneration effect is good by itself, but the augment doesn't work anymore if Molt, that is created to draw aggro from enemies, is destroyed, just this little tweak: keeps the regeneration, even if the Molt is destroyed Trinity: - Pool of Life: instead of killing the target with 10x health to give health/energy globes, just remove the 10x health effect while with this augment and give an plus of ammo cache (1 of each ammo pickup) and this augment will be fine (especially with Health Conversion combo) Valkyr: - Swing Line: i know that augment can be fun to be used as "spider-woman" fashionframe, but this barely have any uses after that, especially with parkour 2.0, but if this augment can make Valkyr being pulled the full distance of the hook and bring the enemy closer, plus open it to finisher, instead of just ragdoll it, but the ability will lose the combo counter, this can change the ability enough to fit an new play style in few words, those suggestions are here to improve our playstyle options by increasing the amount of useful ones some of those numbers can be tweaked and i'm sure that i forgot many mods/augments, but please, i tried this alone i will edit this topic on the course of the days, but this is the feedback i want to post right now edit 31/10/2017: there's no feedback about Augur, Gladiator and Vigilante mod sets yet, since i don't own every mod yet Share this post Link to post Share on other sites


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There is nothing more wonderful than being able to bake a lovely cake for the ZRSDP charity. It's like a competition between colleagues in the office to see who bakes the most amazing cakes. Some of us for the first time even. It's messy but it's very fun to work together as a team and help sell these mouth-watering cakes.
On Friday 11th August London Nest as a team and others have contributed to bake their amazing cakes to help with the event. Giving the chance to show off each other's baking skills! And then selling cakes to the students at our residences, The Curve and The Garden Halls, giving them sweet-tooth paradise in their mouths.
The goal is to raise money to improve educational opportunities in rural Zimbabwe and to provide new facilities and resources for schools. They have successfully built a primary school so far and now it's time for a secondary school.
It's go big or go home!
Thuy Nguyen
Graphic Designer
21, graphic designer from the south east London. I work with a range of elements of marketing with design to produce both offline and online print services.


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Status: Closed
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Summit Choral Society
Be the first cleveland.com user to add photos or videos of Summit Choral Society
I have attended performances by members of the Summit Choral Society and they are amazing. They sing in a number of other groups, like the ...
Summit Choral Society can be found at E Buchtel Ave 715. The following is offered: Art Museums & Galleries. The entry is present with us since Sep 8, 2010 and was last updated on Nov 12, 2013. In Akron there are 7 other Art Museums & Galleries. An overview can be found here.
Summit Choral Society is located at 50 S Main St, Akron, OH..
Summit Choral Society is located at 715 E Buchtel Ave, Akron, OH. This location is in the Middlebury neighborhood. This business specializes in Arts & Crafts.


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Please noteThis event ran in 2019 but we don't yet have this year's details. When we get them, we'll add them, but in the meantime we include below event information from last year to remind you about the event.
Binbrook, near Market Rasen, LincolnshireSunday 21st July 201910.00am to 4.00pmThere will be a range of gardens open including the garden attached to the fern nursery. Some well established gardens with large trees and shrubs and some newer gardens that are developing. A range of formal, cottage, and vegetable plots, all exhibiting different skills and ideas of what can achieved.
Refreshments and toilets in the Queens Hall.Proceeds to Lincinshire Air Ambulance and Village Reading Room.Plant salesThere will be plants grown by villagers in the village hall . The fern nursery will also be open and selling plants.Cost£3.00 adults, accompanied under 16s free.How to get event passportsPassports/programmes to be purchased from village Queens Hall only - not available from any of the participating gardens.Contact the organisersEmail: DirectionsQueens Hall is on the right as you enter village from Market Rasen - parking available there.LocationCounty: LincolnshirePostcode for Sat Nav: LN8 6HY (please verify before travelling)Find approximate location on GoogleMaps (new window)
Gardens CounterHow many Open Gardens events are on this website?
Garden Plants QuizHow many cryptic plant clues can you solve?
Cursed StatisticsHow are open gardens events spread through the year?
website design by greenwave


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At Universal Construction & Home Restoration, we work for you. Take a look at what our customers have to say about our premier construction and home restoration services.
...dependable, timely, and thorough
"I have done business with Universal Construction since its start and worked with its owner, Frank Albano, for several years prior to that. His hard work and dedication to customer service have caused a commendable and well-deserved business growth.
Universal Construction has serviced the needs of the condominium and town home associations that I manage. Since my image is only as good as the contractors I work with, a dependable, timely, and thorough company is essential. Universal Construction is all that and more."
My wife said she felt so comfortable with the crew, she started bringing them coffee.
"I have wanted to remodel my master bath since I moved into my house seven years ago but the wife was leery of having workers at the house for a few weeks while I was at work during the day. After interviewing and getting several bids from other companies, we hired Universal Construction & Home Restoration, Inc. due to their extremely professional crew and service credentials. By the second day of work in the bathroom, my wife said she felt so comfortable with the foreman Edgar, his helper Miguel and the rest of the crew, that she started bringing them coffee! They are amazing!"
Great job Universal Construction!
"After the heavy thunder snowstorm of several winters ago, I took it upon myself to clear snow off my roof near the gutter areas that I could reach. In doing this, I tore several shingles on my roof due to my inexperience. With one call, Frank and his team came out to inspect and assured me that my house was OK and this was strictly a cosmetic issue. I requested the replacement anyway to make myself feel more secure. Within a day or two, they replaced my torn shingles with an exact match and replaced the ice and water shield under my shingles as well. Great job Universal Construction and thank you for saving my home from future water infiltration!"
The workers are all great.
"Thank you to all of you for your help and your kindness. You helped to make a difficult time a little easier. The workers are all great."
...such a pleasure to work with.
"I have to tell you, I really enjoy when Bruk works with me on a property. Bruk ALWAYS calls if he has a question, he calls to explain what he did and explains it in a way that I can understand. He is always polite and more than willing to answer my questions. I wish ALL my vendors would call me and let me know what they did or are doing on a certain work order like Bruk does. No matter what time of day or night he is sent out, he gets back to me right away to let me know what is going on. He is such a pleasure to work with, you should be very proud to have him on your staff. I hope you know how much he is appreciated by me."
...amazing job!
"Thanks for the social room – looks wonderful! You all did an amazing job!"


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Aaron: We are in the process of transforming into a much higher vibrational planet. Remembering 'I am an angel and I will not act in negative ways'. There is always a loving way.
The Power of Intention
1. Remembering Your Intention
2. Daily Meditation
3. Breaking Through the Myth of Either/Or
Exercise 1: 5:01 min
Exercise 2: 6:20 min
Guided Meditation: 21:16
Total length of video: 35:16
- This was our first workshop using live streaming.
- All videos are edited from live sessions.
- Aaron is channeled by Barbara Brodsky.
Links are available on your receipt. If you do not download the files immediately make sure you bookmark/save the receipt link.
Download: Download to your computer or other digital devices.
YouTube: Watch it direct using this private YouTube link.


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Art Classes
News page for students attending my classes - Barnet College and private www.facebook.com/ChristineWatsonArtClasses
Websites for photographers and artists http://www.clikpic.com
The EFO is a local artists group http://eastfinchleyopen.org.uk/
Finchley Art Society
Very inclusive art group welcoming members at all levels. Regular crits and demonstrations, portrait models and still lfe as well as weekly group painting sessions www.finchleyartsociety.org.uk
Ken Bromley Art Supplies
Reasonably priced art materials with frequent special offers. Prompt delivery. www.artsupplies.co.uk/
Good range of art materials with extra discount for members. Worth looking at for insurance for both work and teaching. www.saa.co.uk/
The Art Centre
I've recently bought some very reasonably priced oak frames from this company. They are appear to be very good quality and came within a few days of placing the order. Highly recommended! www.artistsmaterialsonline.co.uk


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15 Market Square PO Box 1971 Saint John, New Brunswick E2L 4L1 To contact your ward councillor directly, go to Council Profiles. To send information to Common Council, contact the Common Clerk's Office.
Municipal Services (Roads, Water, Works, Sanitation) / Customer Service saintjohn.ca (506) 658-4455
Reach a specific service area contact by using our A-Z directory
Service Request Form
© 2020 City of Saint John Sitemap|Privacy|Disclaimer|Language
Stay connected with us by following the social media channel of your choice.


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Our Vision
The mission of WorkSource DeKalb's Youth Program is to serve eligible low-income youth from the ages of 14-24 by offering comprehensive counseling and guidance in order to strengthen academic achievement and soft skills development while also identifying career development opportunities and training through specific programs provided through the E3 initiative, which is Education, Employment and Economic Development.
The Workforce Innovation and Opportunity Act (WIOA) Youth Employment and Training Program provides a broad range of year-round services in order to serve low-income youth from the ages of 14-24 who encounter major obstacles to academic achievement and employment. Comprised of in-school and out-of-school youth, participants are given the opportunity to receive academic tutoring, participate in internships and also attend life and soft skills workshops, community service projects and college and company tours. More importantly, the WIOA Youth Employment and Training Program tailors services to meet the needs and goals of the individual, which includes assistance: in the attainment of a high school diploma or GED, occupational skills training, and obtaining and retaining employment.
In order to participate in the youth program, all participants must be deemed eligible as defined by the Workforce Innovation and Opportunity Act of 2014. Youth, parents and guardians who have an interest in program participation requirements may contact our office.
In addition to establishing eligibility, the individual must be assessed and selected for participation. Documents that verify a youth's eligibility for WIOA services will be required during the intake process. Examples include but are not limited to: birth certificate, social security card, pay stubs, etc.
NOTE: Selection into the youth program is contingent upon the availability of funds, individual level of need and appropriateness of the individual's circumstances to receive services.
Helpful Links for Youth
Selective Service Information for Males
Workplace Skills
Do's and Don'ts of Social Media by Bonner Ziglor
Career and Technical Education Resources
Scholarship Information


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Festival of Stocks #38 is being hosted by Investment Jungle created by Average Joe. He has 8 great submissions so please go check it out at:
Festival of Stocks #38
Monday, May 28, 2007
Festival of Stocks # 38
Festival of Stocks #38 is being hosted by Investment Jungle created by Average Joe. He has 8 great submissions so please go check it out at:
Posted by TJF at 9:06 AM 0 comments
Thursday, May 24, 2007
Top Sell Side Clichés
So I worked on the buy side for nine years and like all buy side people, I read my fair share of sell side research reports. After a while, they all began to blur together into an unending mass of paper. I noticed that there was a common set of terms or cliches that all the analysts used. Here is my list and my spin on them
"Management gave an upbeat presentation."
Well, what the hell else are they going to say?
"The session was well attended."
The herd is stampeding into the room so what are you waiting for.
"The meeting was constructive."
Another confidence boosting cliché designed to whet our appetite for the stock.
"We are cautiously optimistic."
This is used when something bad is about to happen but the analyst can't do anything about it except watch.
"Valuation is compelling."
This cliché is for classic value traps that are cheap because they should be cheap, or for highflying stocks that are selling at ridiculous valuations, but look cheap compared to their peers or history. (i.e. a technology stock trading at only 40 times earnings)
"The company is hitting on all cylinders."
A vehicle hitting on all cylinders means it is going pretty much close to its fastest speed. If you apply this to a stock, doesn't that mean it's time to sell?
"We view the deal as positive."
Is there ever a deal that is not positive to them?
"We still like the company."
A disaster has just occurred but I can't change my opinion in writing because the company will kill me.
"Long-term fundamentals are still intact."
Used primarily for companies where it is so obvious that fundamentals are declining, along with the stock price, but the analyst must still say something positive about it so the company will still talk to him.
"At the margin."
I'm not sure where to put this because I don't even know what the hell it means. It seems to signal that whatever follows is really not all that important but is incremental news. Well, if that's the case, then why mention it at all.
"We believe the company is at an inflection point."
An inflection point is a point on a graph at which the sign changes concavity or curvature. That means the stock can go either way.
"The company has reached the sweet spot of the cycle."
Just the time to sell, so change your rating before the stock goes down 60%.
"No new news"
Terrible news has just come out on a stock and it is selling off but the analyst is trying to convince anyone who is listening that the market already knew this.
"Our thesis is still intact"
Ninety-five percent of sell side analysts don't have a thesis so stop pretending, you're not fooling anyone.
Posted by TJF at 8:48 AM 10 comments
Labels: Sell Side
Monday, May 21, 2007
Kaiser Group Holdings Inc. (KGHI.PK)
This is a very interesting name that trades under net current asset value, and the kind of stock that gives me goose bumps. KGHI is the successor company to Kaiser Group International, a engineering and construction company that went into Chapter 11 bankruptcy at the beginning of the decade and then emerged fresh.
The company now has two businesses, a 50% ownership in Kaiser-Hill Company, LLC; which currently serves as the general contractor performing closure activities at the U.S. Department of Energy's Rocky Flats site near Denver, Colorado.. Kaiser-Hill is working to clean up and close the Rocky Flats site. This contract is in the closeout phase and is ending shortly. The revenue that has been received to date ($510.8 million) is also subject to audit by the government.
KGHI also has a 100% ownership in the Monument Select Insurance Company (MSIC). MSIC is a wholly owned captive insurance firm that is not issuing new policies. However, a new subsidiary of MSIC, MS Builders Insurance Company, has been formed to enable MSIC to offer derivative captive insurance services to third party clients.
The company has current assets of $69.06 million (most of this is cash) and total liabilities of $9.59 million, giving us a Net Current Asset Value of $59.46 million, with a market capitalization of $46.5 million, according to Google finance. All this data is as of March 31, 2007.
There are several major holders of KGHI, and by the names involved, they seem to be all connected together. They are:
Mark S. Tennenbaum Investment Trust 11.2%
Andrew R. Tennenbaum Investment Trust 11.2%
Michael E. Tennenbaum 19.7%
James D. Bennett 11.2%
Kasier Group has decided to do a 1 for 20 reverse split of the shares. The effect and the purpose of this will be to reduce the number of shareholders to fewer than 300, and thus Kaiser will no longer be a reporting company under securities laws and will not have to file 10 K, etc.
The company has little or no revenues and has not identified any opportunities as of yet. When the shareholders approve the reverse split, and believe me they will, the company will sink deeper into the Pink Sheets as a non-reporting company.
So is it a buy? Stocks selling at below NCAV are instinctually attractive to value investors. However, the company has no operating businesses right now and not a lot of incentive to find one considering that it is sitting on a pile of cash (Golf anyone?) Also, the level of disclosure may plummet when it becomes a non reporting company. This will be another source of frustration to investors. Here is the company web site:
Posted by TJF at 11:30 AM 2 comments
Wednesday, May 16, 2007
Bexil (BXL) - Earnings Report
Bexil reported a small loss in its first quarter results. They are still in the hunt for a business to buy. Some things stand out in the press release.
"At March 31, 2007, we had positive working capital of $37,937,663, total assets of $38,377,973, no long term debt, and shareholders equity of $38,011,275. Our book value per share at March 31, 2007, (886,592 shares issued and outstanding) increased to $42.87. "
Solid book value $10 above the market price.
"We have no plans to dissolve and liquidate the Company."
Are they feeling any pressure to step up the search for a company to buy? It has been a year since they sold York and paid themselves a bonus, and the Winmills have effective control over the company, so it appears unlikely.
"Approximately 25% of Bexil's shares are owned by Winmill & Co. (WNMLA)"
This is correct, but according to the proxy for this years annual meeting, the Winmill family indirectly or directly own 41.1%.
"We are currently engaged in the business of evaluating opportunities to develop and acquire long-term acute care hospitals and other enterprises."
Is this the best way to grow book value long term as the company says on its web site? Time will solve that mystery I guess.
Posted by TJF at 5:45 AM 0 comments
Tuesday, May 15, 2007
Capital Southwest Corp (CSWC)
This is another interesting company that does not get a lot of press or attention from Wall Street. It is even rare to see an article on them. Here is a link to one that I saw yesterday:
Posted by TJF at 8:42 AM 0 comments
Monday, May 14, 2007
Inhibitex (INHX)
I have decided to go one by one through every stock I can find that is selling at or under its net current asset value (NCAV). This is the Holy Grail of Value Investing as everyone knows, but things have changed from the time of Benjamin Graham. It seems that many NCAV plays are not for the feint of heart. Here is the first:
Inhibitex (INHX)
Inhibitex is a biotechnology company out of Atlanta. Last year the company had a product called Veronate, which failed a Phase III trial, and the company discontinued development of the drug. INHX is now focused on Aurexis, which is for the treatment of serious Staphylococcal aureus infections. Aurexis is in the Phase II stage of development. The company recently acquired another pharmaceutical company for $19.0 million in stock.
INHK has $59.6 million in cash at March 30, 2007, with various other current assets bringing the total to $63.3 million. Total liabilities are $12.5 million giving the company a net current asset value of around $51 million. The market capitalization is $45.5 million according to google finance.
Conclusion – INHX has no significant revenues since its drug is still in clinical trials. The company it is buying has no significant revenues due to the same reason. This investment is known as a binary decision. If the drugs under development are approved then things may work out for investors. The problem is that in can take years for the trials to conclude and the results are uncertain. Meanwhile, the company burns cash, as it has to pay research and salaries in the interim.
Now, to its credit, INHX is being prudent in its spending and is not throwing money around. Last quarter, the cash burn was only $1.7 million. The estimate for 2007 is a cash burn of $11 million, but a higher burn rate when the acquisition is completed. My opinion on this one is that the risk/reward is too great for me. If I was a scientist or Doctor and I could understand more of the science of the drugs they are working on then I might think differently.
Posted by TJF at 12:19 PM 2 comments
Saturday, May 12, 2007
Winmill & Co. (WNMLA)
I did a Net Current Asset Value search on the market and came up with a company called Bexil (BXL) which I posted on earlier. This led me to to a company associated with Bexil, called Winmill & Co.
Winmill has large stakes in four other publicly traded entities and those stakes are worth $10.1 million, while WNMLA has a market capitalization of around $6.9 million. Please understand that I am not saying run out and buy any of these but I thought I would post it for everyone to look at.
The Math
Winmill & Co. (WNMLA)
Oustanding Shares as of 9/30/06
Closing Price as of 4/30/07
Market Capitalization - $6,925,869
The Play
Winmill owns large pieces of four other publicly traded companies as follows:
Bexil (BXL)
A company with no operating businesses that has $37 million in net assets with a market cap of $29 million. Winmill owns 25%. They are looking for an operating business to buy. (See my previous post on Bexil)
Tuxis Corp (TUXS)
A real estate company that just deregistered from the listed market and moved to the pink sheets. Winmill owns 24%.
The main asset is a 215 acre parcel of undeveloped land located in Clinton Corners and Millbrook, New York. It was bought in 2005 for $1,951,700 in cash.
The market capitalization is $5.4 million.
Foxby Corp (FXX)
A closed end fund that trades on the AMEX. Winmill owns 24%. The market capitalization is $6.37 million.
The sum total of Winmill's share of these three is:
$ 1,663,200.00
$ 1,310,389.63
Total $10,167,917.02
There is even a fourth company that Winmill owns a piece of. It is called the Global Income Fund (GIF) but it is immaterial to this analysis.
The $10,167,917.02 value is actually understated because I was using the market cap of $28 million for Bexil, not the net asset value which is considerably higher.
Here are all the web sites associated with Winmill & Co.
The Bad
Winmill & Co. is a family controlled company, where the Winmills or associated entities control more than 50% of the vote. I believe all the companies above have the same type of control by the Winmill family.
Stocks like this fascinate me but more research must be done before leaping into this name.
Posted by TJF at 11:02 AM 0 comments
Labels: WNMLA
Tuesday, May 8, 2007
The CEO
The phone rings yesterday afternoon and it is Mr. Rudolf, the CEO and President from the Biloxi Marshlands Company (BLMC). Apparently someone had forwarded my blog post to him and he felt there were some misinterpretations on my part based on the reading of the press release from the first quarter earnings release. I didn't ask him who sent him the blog since I figured he would keep it confidential.
I made three points in my post. I will put the company's clarifications in italics.
1) Production was down year over year, and the reason given did not on the surface make sense.
BLMC reported the daily production as of the last day of the quarter, it is not an average daily production.
This explains why the reason given (well shut ins) did not make sense. I should have read the press release more carefully.
2) Delay in the start of the drilling package, and no explanation is given.
Manti was delayed drilling a previous well somewhere else and couldn't start the BLMC package on time.
This is believable as delays in drilling occur all the time.
3) The dividend was omitted this quarter.
The company has no set dividend policy according to Mr. Rudolf, so technically no dividend could be "omitted." The company decided that they would retain the earnings this quarter instead.
I'll let the market judge number 3.
I can tell by speaking to Mr. Rudolf that he has a great passion for the company, and I can't imagine BLMC being in better hands than a descendant of some of the original shareholders from the 1920's, and whose family still owns 8% of the stock.
Posted by TJF at 1:09 PM 3 comments
Monday, May 7, 2007
BLMC - Mr. Rudolf
I just had a 30 minute phone call with Will Rudolf, the CEO and President of the Biloxi Marsh Lands Company. He clarified some of the items in the latest quarter that I posted on and explained the issues that impacted my earlier attempts at communication.
I will post an entry a little later on the conversation.
Posted by TJF at 1:00 PM 0 comments
Labels: BLMC, Pink Sheets, Stocks
Saturday, May 5, 2007
Bexil Corp (BXL)
Everyone knows Benjamin Graham and his Net Current Asset Value (NCAV) model, which states, in part, that one of his criteria to buy is that the market captalization must be less than 2/3rds of the Current Assets less total liabilities.
Now these were fairly easy to find in his day, due to market inefficiency and poor disclosure by publicly traded companies, but they are rare now. When we find one, it stands out. I found a company that is close to this measure, trading at .76 of its Net Current Asset Value.
My calculation
Current Assets $38,071,710
Total Liabilities $206,829
Net Current Asset Value $37,864,881
0.76 $28,777,310
Market Cap $28,700,000
The company web site is here:
Now before you start salivating at the prospect of buying a dollars worth of assets at 76 cents on the dollar, read on.
The Good
1) Bexil has $38 million in cash sitting on its balance sheet. Where did this cash come from? Last year it sold its 50% interest in an insurance services company, and paid out a dividend to shareholders for a fraction of that sale.
2) Management seems intent on creating value. They actually have a web site, which is not required so this I view as a positive. Thomas B. Winmill, the President of Bexil, states in his letter posted on the web site:
"Our objective is simple, straightforward, and sharply focused: to increase book value per share over time. We believe that long term stockholders will benefit from a rising book value as market recognition builds and investors come to appreciate Bexil's intrinsic value as well."
Could this be Berkshire, vintage the 1970's?
The President even has his personal e-mail on the site. Does he read them? We will find out because I will send him an e-mail later today.
3) The company has invested the cash wisely in the interim, it has virtually all of it in a U.S. Treasury Note.
The Bad
1) The company is taking its sweet time looking for an operating business to buy. They sold the 50% stake in the insurance services company last May. The criteria they are looking for are (from the web site)
*A proven track record with demonstrated earning power.
*Sales between $10 million and $50 million.
*A seasoned business with solid customer relations.
*Good return (at least 15%) on equity, little or no debt.
*Solid management must remain. Audited financials required.
*Particularly interested in a "spin-off" from a larger company.
Mr Winmill, in the last year, there have been something like $500 billion in private equity purchases. Is it really that hard to find a business to buy?
3) The company has a shareholder rights plan that would activate if an entity owns more than 10% of the company stock or makes an offer for the company. This plan is almost a waste of time, because more than 50% of the stock is controlled by the Winmill Family or entities that they control.
4) Bexil is nosing around looking for Hospitals to buy in Mississippi. They formed a subsidiary to work on locating assets here. I'm not sure that this is the best business to own to grow book value over time, but I will reserve judgment on that until later.
Later this week I will post on the parent company of Bexil, another intriguing play that is not for the feint of heart.
Posted by TJF at 7:58 AM 1 comments
Wednesday, May 2, 2007
BLMC - Earnings Report
I don't want you to think I am obsessed with the company, but they released earnings and I wanted to review them since so few people pay attention to the stock and it is severely underanalyzed. The good thing about obscure stocks is that there are no expectations or guidance so it is impossible to miss expectations or guidance. The report was a little on the bearish side.
Here is a link to the news release on the company web site.
First Quarter 2007
Three items stand out in particular
1) Declining Production
The company reported that the combined gross daily production from 12 wells including those operated by TMR and Manti Jambi, Inc. was approximately 12.5 mmcf with net daily production accruing to the Company of approximately 1.6 mmcf. This was down from 21 mmcf with net daily production accruing to the Company of approximately 2.5 mmcf in the first quarter of 2006. The press release said that several wells run by Meridian Resources were shut in on March 31, 2007, which affected the quarters production. This is odd since the quarter ended on March 31, 2007, so it is hard to understand how a shut in of several wells on the last day of the quarter would hurt things so much. We would expect a normal decline rate on gas wells.
2) Drilling Delay
BLMC's new drilling subsidiary was to spud the first of five wells by March 31, 2007. This has been delayed to May 15, 2007 - 45 days. There was no explanation given for the delay. Maybe it was rig availability or they needed more time to study logs. Decline rates on existing wells are relentless and operators need to drill to keep production even with previous years.
3) No dividend
The company omitted its dividend for the quarter. It had hinted at it last year, and the shut ins and delays in drilling impacted cash flows enough that the company didn't make a payout. The dividend is one of the major attractions of the stock and I hope that it can resume a payout in the second quarter.
The good news is that the stock didn't budge from it perch at $34.00 per share.
It has ocurred to me that the day the wells were shut in was the around the same day I was pestering them with e-mails about setting up a meeting. That could explain why they did not respond.
Posted by TJF at 5:58 PM 0 comments
Labels: BLMC, Pink Sheets, Stocks


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"Most of my life I don't have much fun, and the rest of the time I don't have any fun at all" – Woody Allen
Perhaps the most immediate kind of disaster which one thinks of in connexion with comedians is when a performance going wrong – that proverbial 'dying on your a*s'. But the topic we're going to look at in this chapter goes a great deal further than that – learning from all the ways that comedians use their art to address the nastier stuff that happens in life. This attribute, I suggest, represents the greatest and most potentially transformative learning opportunity that comedians offer us.
Things going swimmingly well does not make great comedy. The greatest comedians turn the comedy spotlight onto those very aspects of life that cause us the most suffering – shame, embarrassment, frustration, failure, disappointment, inadequacy, mortality, and the rest. When as audience we laugh together at these things, we are recognising and acknowledging life's inevitable challenges – helping us come to terms with them, perhaps enabling us to relate more positively to those aspects of life which we would really rather weren't there.
Disaster as material for comedy
There are two broad areas of 'disaster' content which comedians explore in their material and through their comedy persona:
- individual personal attributes and circumstances which are unwelcome or unwanted, which the comedian addresses in his or her self
- generic human issues, which are shared with the rest of humanity, or with representative groups (eg all men, all women, all poor people, all miserable people)
It may seem odd that this should be prime content for comedy, since laughter might initially seem to be all about good stuff. But the comedian's whole self and whole life is the source of their individual expression; experiences which they share with others are their most profound way of connecting with their audience; and the more profound level at which this happens, the more profound the effect – and this includes lots of bad stuff. The comedian's whole body of life experiences is their instrument of expression. Joan Rivers has said: "My routines come out of total unhappiness. My audiences are my group therapy."
Woody Allen is one of the foremost masters of this art – indeed, he doesn't seem to do any other kind of comedy. His humour, not just as a stand-up comedian but in his movies too, is riddled with negative themes that we can all relate to, like:
- how unfortunate he is
- what a mess he is making of things
- how difficult relationships are
- how difficult life is
- death and the fear of death
- the dilemma of illusion versus reality
"I don't want to achieve immortality through my work" he protests, typically, "I want to achieve it through not dying!"
Of course, it's not just comedians who use humour to do this – many other personalities that are mostly known for their serious contributions to human progress have resorted to humour when it comes to dealing with life's inevitable quota of disaster and adversity. Indeed, religious and spiritual authorities frequently use humour to come to terms with the harder side of life. But with comedians, it's a speciality.
Kinds of disaster based humour
Humour's intimate connexion with misfortune, can be expressed by the comedian in a number of distinctly different ways:
- laughing at the misfortune of others
- laughing at one's own misfortune
- laughing together with the audience at shared misfortune
The first of these, I suggest, is the least valuable in terms of what we can learn from comedians in order to make life a better experience. Angela Carter said that "Comedy is tragedy that happens to other people", but I reckon that this is the weakest and least satisfying sort of comedy – comedy that ultimately divides people rather than bringing them together. So it will be the latter two comedy modes that are most fruitful to us here as inspiration.
Applying these principles yourself
We can all learn a great deal from the examples offered by these comedians, and apply in principle the lessons therein – whether we're doing it though humour or not. There are a number of ways we can apply this learning.
Let's look again at those two basic categories of stuff that we can see comedians dealing with, which we too may then learn to respond to differently:
- adverse aspects of ourselves
- adverse stuff that affects us and other people
Across these two categories, there are two further discernible classes of difficulty:
- things you can change or influence
- things you have to accept – but to which you may be able to relate differently to, or come to feel differently about, or change the effects of
The most immediately obvious strategy to adopt is to see if we can – as comedians perpetually encourage us to do – laugh at some of the stuff that's going wrong in our lives, and some of the stuff that's going wrong for everyone. Do your own humour around your own disasters – a very healthy alternative to the more usual strategy of wingeing, moaning and complaining. Obviously there will be times when we can't do this, and there will be circumstances in which we can't bring ourselves to do it. But if we have it in hand as an option and respond in this way when we can, we can cultivate the habit, and we will be able to expand the range of possibilities for doing it. A lot of things that bother us are actually rather trivial, and not worth getting deeply stressed over – people saying annoying things, people not remembering your name, you not remembering other people's names and them getting ridiculously annoyed about it – so maybe we can see the funny side of those, to start with.
Having cheered yourself up and then finding yourself dumped by your partner, you might then feel inspired to take action that can bring better results – like finding a partner with far lower standards, who's much less likely to dump you.
We can follow the example of those comedians who work with this kind of content, and think about our issues without so fully identifying with them, as in 'I am my problems' – it can be more like 'these are my issues, let's play around with them, experiment with different ways of relating to them and of communicating about them to other people – in order to make progress, change the situation, come to terms with things, somehow create value out of it all.
And remember that, as Mr Allen reminds us… "there are worse things in life than death – have you ever spent an evening with an insurance salesman?"


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Prior to his untimely death in 2004, Swedish author and journalist Stieg Larsson wrote a trio of novels collectively known as the Millennium Trilogy. Written in his native Swedish tongue, the stories have proved a critical and commercial success, and all three have already been turned into Swedish language movies.
This month sees the DVD rental release of The Girl With The Dragon Tattoo, originally titled Män Som Hatar Kvinnor or Men Who Hate Women. The film, much like its source material, has enjoyed mass acclaim from pretty much everyone, and deservedly so.
The Girl With The Dragon Tattoo introduces the trilogy's two main protagonists; firstly Mikael Blomkvist, a middle-aged investigative journalist writing for the magazine Millennium. His attempts to uncover the corrupt nature of Swedish billionaire and industrialist Hans-Erik Wennerström have gone awry and resulted in a libel case against him. He will have to serve three months in prison, but has a few months before he must face his sentence.
The title character and movie heroine is Lisbeth Salander, a twenty-something with prior issues relating to behaviour and mental stability, but a brilliant researcher. She has been hired by ultra-rich Henrik Vanger of the Vanger Group in order to check the legitimacy and authenticity of Mikael Blomkvist's reputation as a skilled investigator.
Satisfied with Mikael's credentials, Vanger meets with Blomkvist and requests that he investigate the disappearance of his foster child Harriet, who has been missing for 40 years and presumed dead. The circumstances surrounding the disappearance are more than suspicious, and Henrik suspects foul play from none other than a member of his own twisted, money-hungry family.


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It was most enouraging this week to read that the A591 has been mended, and ahead of schedule. The A591 is the main road through the middle of the Lake District that links Ambleside and Grasmere in the south with Keswick in the north. Storm Desmond, at the end of 2015, washed part of it away. There was still a road open – the small road around the western side of Thirlmere. However this road is narrow and windy and not suited to the normal volume of traffic and so it was closed to everything except buses and bicycles.
All the publicity about Storm Desmond and the homes and businesses flooded seem to have convinced a lot of people that the Lake District suffered much more damage than it really did. As a result the tourist industry, on which many depend, has been very slow to pick up this year. Mine included – one reason for setting up this website was to try to get a few more people staying in Limestone Cottage!
One benefit from this road damage is that the National Park has improved an existing right of way over Dunmail Raise to make it easier to walk or cycle over the Raise without having to use the road.


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We're all in this together – supporting Mums return to work
Guest Blog by Julia Fiore (Consultant, Seed People Consulting)
Whilst riding the emotional rollercoaster of parenthood, and following the first few months of baby's life, the caregiver is often required to make a tough decision – do I want to go back to work? Or perhaps more often, do I need to go back to work?
And if/when I do so, how on earth do I manage the juggle of parenthood with the pressure of returning to a workplace, having had time out of my career?
I'd hazard a guess that we are all aware of how emotional, complex and stressful the process for Mums to return to work can be.
Whilst I understand that parenting is very much a team game – we all know it takes a village - I'm writing from the point of view of a mother returning to work after time out for parental leave. What I'd really like to highlight is why, as business owners and managers, we have a responsibility to make the transition back into the workplace as supportive and comfortable as possible for any retuning parent.
As a HR professional, I have been party to, and advised on, a number of cases of women returning to work after parental leave. Often these cases involve the employee asking for a reduction in hours or days, or for some sort of transitional arrangement to help them settle back into a routine with their new parental responsibilities. There are many Managers out there who believe that those requests cannot be considered – that if a role has always been full time, that role cannot be done any other way. Most times, those Managers are wrong.
I know that my biggest fear in returning to work when my daughter was 1-year-old was that I would end up doing both things – parenthood and my job – poorly.
And I can tell you that no matter how much I gave in that role, whether it be time, blood, sweat and many, many tears – I couldn't do that job the same way I had done it before.
Looking back at it now, I can tell you that I was doing it differently, but I was better. I was more organised, I was more committed because I wanted to show that I could do the job even with reduced capacity, I was more understanding of other people's struggles and I knew that my job had renewed importance – I was supporting my family to live the life we wanted to live.
Women returning to the workforce are doing so out of a desire to support their family, and to do the very best for the business. Their requests to work flexibly or work reduced hours should not be viewed as a want to be difficult or self-centred, or as an indication of a reduced level of motivation or commitment – it should be seen as the opposite. If a person returning to work after an extended period of leave is looking for transitional arrangements or reduced hours, it is because they want to be able to do the best job they can with the energy and time that is now available to them.
As managers and business owners, we need to think differently about women returning to the workforce – yes; their priorities are different, and they have another person to support, but this can be their biggest driving force – their absolute motivation. Support them to return in an environment that is understanding, flexible and caring, and you will reap the rewards.
So I encourage you to think differently. The next time you have a role become available in your business, think differently about the status of the role - does the job need to be full time just because that's the way it has always been done? What about job share opportunities or part time hours?
Think differently about working hours – does the work need to be done onsite? Or can you offer flexibility to work from home?
Think differently about office hours - does the work need to be done in office hours? Or can the work be completed on a laptop after hours? Offering any or all of these flexible options can open your company to a whole other world full of highly talented and capable applicants (many of whom you can find on SquarePeg now!).
Finding a solution that works both for the business and an employee seeking flexibility may not be easy, and you may need to spend time reviewing the arrangements to find the best fit, but it will offer you long term solutions, and more often than not, the commitment of a knowledgeable, organised, capable person who supports your business and knows the compromises you were willing to make to support them in their new role as parent.
As I mentioned earlier – it takes a village to raise a child – and that includes companies. I work for a manager and a business that understands I am both a Mum and an important part of the team, and I have never been more motivated or committed to a company and a role. I hope that as a society and as business owners and managers, we make these opportunities available more often and speak up about our ability to do so. It really is something to be proud of.
About Seed People Consulting
Seed People Consulting partners with their SME clients to make HR accessible, affordable and practical. With more than 35 combined years' experience across a range of organisations, Seed exists to enable you to know that you are compliant in your workforce relations and WHS requirements, whilst getting the most out of your business through your people and their leaders. Check out the Seed HR Hub, for all of your HR needs with 24/7 access.
The team at Seed know the importance of working with you to build solutions that are customer-focused and practical, ensuring effective and sustainable outcomes. They also know what it's like to run and operate a small to medium size business – they get that you want to focus on doing what you do well; so Seed is available to make HR easy for you.
We work with clients to fill their 'gaps' by connecting them with great professional talent in their local community, quickly and easily.


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http://ow.ly/i/4dxG7 New drawing- This is a study for a painting that will be called "The Herald" Next I have to work out the background. #fantasyart #musician #fantasy #drawing #art
Tag: Creativity
Fird the Turd Bird
"Who is that?", you might be asking. Allow me to introduce you to Fird the Turd Bird, a portrait of the personification of my inner critic, the nemesis and arch enemy of my muse, Musetta. Through the ruse of expectation (of how my painting should look) and comparison (how it actually turned out) Fird got loose last evening and ran amok, so that when it finally came time for me to do my end of the day sketching he was in full on attack mode, pecking, biting and scratching at me. "You're lousy at painting! You'll never be really good at it! Blahwdy blah blah and on and on it went. Musetta was in full retreat, weeping and hiding in the deep dark sad shadows of my psyche.
So I did the only thing I could do in order to keep the discipline of drawing every night. I started sketching Fird (although I didn't know that was his name at the time). As I drew he became quieter and then finally completely silent, because being the stupid vain creature he is, he couldn't, wouldn't, and didn't criticize his own portrait. And that's when I knew had him! At last I drew a spiked dog collar around his scrawny neck, attached a heavy chain, which in turn was added to a spike in the cold hard ground. He was my bitch now.
But knowing him to be the sneaky elusive creature that he is, I knew that I needed to take further precautions, so I have given his likeness to the CPI (That's Bureau of Creativity Investigation) and they have issued a wanted dead or alive poster which now hangs on the cork board in my studio, to remind me to be on the lookout and at the first vague hint of the stench of him that tells me he is once again on the loose and lurking about, I can take the proper steps to catch and put him back in his place, chained up and and powerless to wreak misery on me and Musetta.
I sincerely invite you to name and describe your inner critic and share it in my comment section. And if you draw it put a link to it. That way I and others can spot your inner critic and report it before it has a chance to work it's nastiness on you and anyone else who happens to get in the way. Thank you.
Copyright 2013 Ann Gates Fiser All rights reserved
My friend Erin Hogan responded by drawing this guy
Birds of a Feather
The good citizens of Anaria are known for their colorful fashion though not necessarily or usually for their good taste. Friendly and sometimes not so friendly rivalries would go on for decades to see who could embellish their attire in the most creative and unusual ways. Occasionally but very rarely some of their ensembles would achieve elegance. When that happened one hardly knew how to respond. By it's very taste-fullness it seemed out of place and therefor in very poor taste. These three gentlemen so depicted, are not remotely in danger of offending their fellow citizens. Quite the contrary, they will be much admired, emulated, and the subject of much gossip and competition. Bravo! Well done gentlemen!
Creative Funk~ How Do you Get Past Blocks?
Another artist on a FaceBook group I belong to asked the question of how to get out of a creative block that she'd been in for quite a while. It inspired me to post my thoughts about it. My answer (elaborated here) was this:
Small Steps
Have you ever watched a dog getting ready to take a nap? Mine would circle the spot where she planned to sleep several times before finally laying down. I watched her and learned. So my "circling" is to clean up, arrange my work space (if it needs it) and then get a piece of watercolor paper taped on a board. I start with the mundane and non- threatening steps. Next I flip through my my sketchbook looking for something that pops out at me that makes me want to paint and usually after circling around like that I'm ready.
But if I have no idea of what I want to paint after that, here are a couple of things that usually work. I grab my sketchbook and start doodling. A lot of times something will emerge that I want to do. If not then I look at other artists works for inspiration. I find 3-4 paintings that I like of 3-4 different artists and using one or two elements that I liked in each painting create a new piece. Something new emerges that I might not have thought of before.
in·er·tia ~ [in-ur-shuh, ih-nur-] noun
inactivity; sluggishness.
2. Physics.
a.the property of matter by which it retains its state of rest or its velocity
along a straight line so long as it is not acted upon by an
external force.
3. Medicine/Medical . lack of activity, especially as applied to a uterus during
childbirth when its contractions have decreased or stopped.
(Kind of sounds like creativity stopped dead in its tracks….)
One more thing about inertia. If you do get yourself going and moving, don't stop. At the very least have the next idea ready in your head. A sketchbook filled with ideas goes a long way toward giving you the momentum that you need to stay out of the funk bucket. Sketches are also a great way to keep exploring new directions, because boredom is another kind of block inducer. Let whatever idea comes into your head take shape on the paper. It doesn't mean you ever have to do anything with it but you will have told your unconscious that ideas are important and the muse of imagination will gladly give you more.
Your Turn
So how have you gotten past creative block? Or are you stuck now? Please leave your comments below because I'd love to hear them.
Copyright 2013 All Rights Reserved Ann Gates Fiser


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There is chaos all around. So many thoughts, worries and feelings; all quarreling with one another. Some distant thoughts long lost have found their way into your psyche, adding to the menagerie. Somehow, all arguments, counter-arguments and silence have all decided that today is the day to speak up, in unison. The sole thread of thought you had in mind is lost somewhere in the madness. And desperation leads to despair. The melody of yesterday becomes a discordant note. The churning, twisting splinter of your own thoughts becomes an inferno engulfing the rest. It is madness, it is fire, it is rage everywhere. And you seek the truth, the solace -- the one thing that you think will set you free. Your quest for enlightenment begins.
But then, the epiphany strikes. Like a madman finding his treasure, the heart leaps with joy. Suddenly, the worries do not matter any more. They are trivial, compared to the joy you've found. Like rediscovering the mirth of a little kid who has found a shiny pebble, you wish to hop and skip around. Or maybe just run across the road from one end to another for no reason. You're happy... the world around you seems happy. There is a spring in your step, a twinkle in your eye. There is no more gloom, no despair; your infective smile seems to spread cheer. At this moment, if you played the guitar, you just know that you will hit all the right notes. If you sing, you will voice the exact crests and troughs you hear in your head. The saddest thoughts now sing the sweetest songs in your head. It is a time of joy, a time of merry. Like your crush of a thousand ages has said yes to your proposal, like you've had the thrill of your first kiss. It courses through your veins, as if your favourite song is being played at the bar and you want to get up and dance. So what if someone looks at you cock-eyed? Who cares? Let them look, let them stare -- tonight is your night, your time to revel in your own glee. Let there be evil, let there be good; today you don't care. It is the day when the lover in you cries, the poet in you dreams. You can throw caution to the winds, you can leap from the highest peak, you can kick off your shoes and dance. It is all trivial. The prince has won his war, the princess has found the perfect mirror. Life is beautiful, you are beautiful. There is mirth in your soul.


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We are happy to bring you:
ACIM Remind
(ACIM Workbook with Reminders)
for iPhone and iPad
ACIM Alerts
(ACIM Alerts with Workbook)
for Android devices
The Apple App is now available in: English, Français, Deutsche, Português, Español. The Android App is now available in: English and Français . Additional Languages are coming soon.
A Course in Miracles (ACIM) is a renowned spiritual text that helps students practice forgiveness, transform spiritually, and achieve less conflicted lives.
These Apps intend to help with this endeavor by allowing students access to the Course's "Workbook for Students" via their Apple or Android devices and also allowing them to set alerts on their devices that will help them to remember to do the lesson affirmations at scheduled times throughout the day
You see ... lessons are to be read at specific intervals throughout the day, and can be difficult to remember for busy students. Also, it may be difficult for a student to recall the specifics of the Workbook lesson.
With access to the entire Workbook text on your Apple or Android device and with the help of the alerts, students can easily remember when to read their lessons while having access to the entire set of instructions for the lesson.
Students select the lesson for the day and choose the desired alert start and end time, sound, and interval (interval choices correspond to the intervals specified in the workbook but can be overridden with an interval of the student's choosing).
When the alert goes off, students can either read the highlighted portion of the lesson that is to be remembered or the entire Workbook lesson.
A wonderful addition to the Workbook, these applications are designed to help busy students practice the ways of forgiveness and use ACIM to a fuller extent.


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Burnsville License firstname.lastname@example.com
Lakeville License Center952-891-7878
Robert Trail License Center651-480-1234
Dakota County License Centers offers the service of transferring vehicle, trailer and mobile home titles from sellers to buyers as well as renewing license tabs.
The state of Minnesota requires all trailers that are on the streets or highways to be registered. Depending on the gross weight of the trailer, not all trailers are titled. Go to the Minnesota Department of Vehicle Services website for guidelines.
Fees vary for both title transfers and registration according to classification and year of the vehicle.
Cash, check, money orders, and credit or debit cards (Discover, Visa or MasterCard) are accepted at all locations.
Go to the Minnesota Department of Vehicle Services website for current rules on required identification.
Buyers must present the title certificate or Manufacturing Statement of Origin and a driver's license or state-issued identification card if transferring ownership or first time registration.
Sellers must complete their section of the title or Manufacturing Statement of Origin labeled "By the Sellers." The section includes:
Please bring the renewal notice that was mailed to the owner. If the renewal notice was lost or not received, the owner must provide the vehicle license plate number and personal identification so the County can access state records and issue the renewal.
Minnesotans who are registering, renewing license tabs or transferring ownership of motor vehicles and motorcycles will need to provide the following information:
Last updated:


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Betty Liao Ph.D.
- Counseling Psychologist, UCSF
- Director of Student Psychological Services, UCSF Fresno
University Centers of Excellence Provider
Betty Liao, Ph.D., earned her Ph.D. in Psychology from University of California, Los Angeles.
She is currently the Director of Student Psychological Services at UCSF Fresno. She previously instructed students in psychology at UCLA since 2010.
Her extensive list of experience includes treating patients and meeting with families at the University of California, San Diego Eating Disorders Center for Treatment and Research, providing therapy to veterans at the Jerry L. Pettis Memorial Veterans Medical Center, developing and implementing treatment protocols for anxiety-based disorders at the UCLA Anxiety Disorders Research Center, and serving as the Student Therapy Supervisor at the UCLA Psychology Clinic.
In her free time, Betty Liao, Ph.D., enjoys spending time with her family and dogs in the foothills of the western Sierra Mountains, grilling in her backyard, and playing tennis. She is fluent in Mandarin-Chinese.
2210 E. Illinois Avenue, Suite 401
Fresno, CA 93701
(559) 320-0580
Education & Medical Training
- University of California, Los Angeles; Clinical Psychology Ph.D., Quantitative Psychology Minor
- University of California, Los Angeles; Clinical Psychology M.A.
- University of California, Los Angeles; Psychology B.A.
Certifications & Licensure
- California State Licensed Psychologist
Practice Locations
Psychiatry Physicians
Psychiatry with an Emphasis on the Medically Hospitalized (Consultation-Liaison)


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Doing puzzles is an integral part of the child's development nevertheless its benefits are frequently overlooked. We want to speak much more about these benefits to enable you to choose the best puzzle for the child or relative.
Wooden puzzles are an up-to-date form of a conventional toy, and therefore are made with education in your mind. They're exceptional good value thinking about the amount of positive rewards you will get out of a single toy. This is an activity that may be distributed to buddies or family, the one that supplies a tremendous feeling of satisfaction once the last piece is equipped, making the kid wish to accomplish the puzzle over and over.
Here a few of the advantages your son or daughter can get free from an excellent wooden puzzle.
Supplies a focus for chatting by what is proven within the picture Increases the child's hands-eye coordination Develops the youngsters capability to rationalize size/shape recognition Encourages the steps which are taken through the child inside a logical sequencing process Enhances spatial awareness Develops the youngsters capability to identify alphabet letters later because doing puzzles helps these to recognize shapes Encourages perseverance in finishing a task once it's began Builds children's confidence and feeling of achievement once they complete the puzzle Most importantly doing puzzles is fun!
Why a wood Puzzle?
Any toys performed with by youthful children undergo a good beating and for that reason ought to be made from sturdy materials. Wood is ideal for making puzzles. It never bends in poor condition therefore the picture never creases, also it can be also chewed!
How to find a Wooden Puzzle
Several factors should be considered when selecting a suitable puzzle for a kid. Here are a few rough ideas to help you select the best puzzle.
The Photo or Illustration
The very first factor the thing is when searching at any puzzle may be the photo or instance of the finished puzzle. On selecting, keep in mind that the look must have some educational value but additionally be something the kid can connect with. When the image is familiar towards the child or fulfills the academic objective (like learning colours or naming objects), the expertise of finishing the puzzle is going to be even more enjoyable, satisfying and productive. The look ought to be easily recognizable therefore the child can identify it as being something they see around them within their everyday existence. It ought to also provide distinguishable features to assist them to decide where you can place the piece in order that it results in the best place.
Easy Fit and Handling
Pointless to state, children have small hands, so that they will discover it simpler to get and put a puzzle with large pieces. When the pieces are thick and also have pegs to carry onto, like several our wooden puzzles for that very youthful, it will likely be simpler still.
Will the Puzzle Possess a Matching Image Underneath?
Getting an identical image within the puzzle tray means the puzzle is self-correcting. Quite simply the kid can perform the puzzle without the assistance of a grownup, while using image underneath to steer them. It is a fantastic way to permit the kid to feel confident they're placing the piece properly, providing them with an excellent feeling of achievement.
Will the Piece Fit Completely Into its Tray?
We're feeling that the puzzle piece should fit completely within the puzzle tray. There are lots of puzzles currently available, targeted at the youthful, which have pieces that protrude over the puzzle. Even though they many look attractive, they aren't a obvious indicator towards the child the piece continues to be fitted properly as it doesn't fall completely in to the tray.
Quantity of Pieces
The amount of pieces is prime for that child's success to get the most from a puzzle. A puzzle ought to be challenging but fairly simple. When the puzzle is past the child's abilities, they'll get frustrated and weary. When the puzzle has too couple of pieces, it will likely be too easy, and thus might not serve its purpose being an educational toy.
Each child is obviously different, usually we advise the next (keep in mind, when the child is really a keen puzzler, they'll require more pieces than normal to keep the task): one to two years – four to five pieces two to three years – five to ten pieces three or four years – 10 to 36 pieces four to five years – 36 pieces or more
Happy Puzzling!
A couple of short sentences aren't actually enough to exhibit how important a jigsaw puzzle could be for any child's development. Nonetheless, hopefully we've made the job of selecting the best puzzle exactly that tiny bit simpler so your child or relative can savor the numerous benefits these timeless toys have to give you.


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In most of our posts (if not all), regardless of the type of iPhone unlocking we are dealing with, we always refer to the importance of an iPhone IMEI Check before proceeding to any other action.
Updated on 05/12/2019
A Complete iPhone IMEI Unlock Check:
- Gets the overall IMEI status
- Determines if an iDevice is eligible for unlock
- Searches for verified unlocking solutions
- Provides a detailed guide on how to proceed
Read and find out:
- What is IMEI Check?
- Is there a way to check an iPhone IMEI for free?
- What iPhone info will you receive?
- How will it help you to unlock an iPhone?
- What are the advantages of an IMEI lookup?
Quick Guide to iPhone IMEI Check
Every day, we receive dozens of emails from people trying to unlock their iPhones. Of course, in many cases, they are not even sure if their device is actually locked or have a totally wrong perception of their iPhone status.
This is where IMEI Check comes in, which is the only way to confirm the actual status of an iPhone, which will determine not only if the device can be unlocked, but also the way, based on the accurate iPhone info.
Is you are planning to buy a used iPhone, please read our "How to avoid 6 "Lethal" Risks of buying a used iPhone without wasting any time [2019]" article.
How IMEI Check works
Each iPhone has a unique IMEI number (International Mobile Equipment Identity)
This iPhone identity is also the only prerequisite for an IMEI Check Service.
All IMEI numbers are stored in global databases (GSMA and GSX) used by Apple, mobile networks, and other official partners to verify the authenticity, functionality, and lock status of an iPhone.
And this is exactly what defines the accuracy of the iPhone IMEI info you will receive.
Only a certified IMEI Check provider is, therefore, able to use the iPhone IMEI number you want to inspect, access the global IMEI databases, and deliver an accurate IMEI Check report.
Don't Be Fooled By IMEI Check Free Services
Many companies claim to offer their services for free. So why should I pay for an IMEI lookup?Unfortunately, free Apple IMEI Check providers have no access to GSX and GSMA servers. If they did, they would have to pay monthly for their use, and as you understand, they would charge you accordingly.
Instead, they rely on private databases of dubious origin and offer you false iPhone info.
On the other hand, there are some free IMEI Check apps such as AMTA in Australia and devicecheck in Canada that are official government websites, but unfortunately, they are limited to detecting the loss or theft of an iPhone (as long as it is reported to a Carrier).
But, it's time to learn what an IMEI Check will reveal about your iPhone.
Apple iPhone IMEI Check Service Information
Most people are looking for ways to unlock an iPhone, ignoring basic info like the type of lock, if that is really the reason why they cannot use it and of course, when you boil it all down, if the iPhone can actually be unlocked.
A full IMEI Check Report should contain the following iPhone info.
IMEI Carrier Check
So, the IMEI Carrier Check is the only way to find out if an iPhone uses SIM cards from a single Mobile Network.
Carrier Identification
iPhone Blacklist Check
Completely mistaken, many believe that this happens only when an iPhone is stolen or lost.
The truth, however, is that a device can become Blacklisted when involved in fraud or some other illegal activity and in some case, unpaid bills or installment plan accumulation.
The iPhone Blacklist Check is the only way to ensure that your IMEI is CLEAN and, most importantly:
If you are able to unlock or unblacklist the iPhone.
iCloud Lock Check
What you do not know is iPhone's iCloud Status, which if CLEAN (not Lost) gives you a chance to bypass the Activation Lock screen.
Basic iPhone IMEI Info
However, this information is also proof that the IMEI Check report is valid when your goal is iPhone Unlock.
The Benefits of iPhone IMEI number Check
I think that you already understand how important an IMEI Check is. However, let's take a closer look at how it will help you and how many problems you will avoid.
Trying to unlock your iPhone without ΙΜΕΙ checking is practically a waste of your precious time.
- Without the necessary iPhone info, you are almost doomed to fail because it is very likely that you will choose the wrong service. As I explained perhaps you have a different issue than what you believe
- Even with the right choice, nothing can guarantee that it will be successful or that the iPhone will not be locked again after a while
- Also, no company will be able to compensate you if you have not first checked your device with its IMEI lookup services
We have recently analyzed how much it can cost you to unlock an iPhone, and it's no surprise that in all cases, we have included IMEI Apple Check as a necessary expense.


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Your Reliable Travel Partner - TripAdvisor COE 2017 - 2018 - 2019
Itinerary Details Day 1 Lak Lake - Yang Tao Ethnic Village
Pick up at the boat pier and transfer to the resort by boat for lunch. In the afternoon your local guide will take you around to show you traditional local life at Yang Tao Ethnic Village. Het will also show you how local M'nong people make traditional pottery while enjoying local coffee or cacao for which the area is famous.
We return to the resort to fresh up and enjoy dinner with at this beautiful and peaceful location. A traditional Gong music show will be performed and you can try some traditional Ruou Can (tube wine).
Transportation: Pick up service from the pier and hiking
Meals: Lunch and dinner
Guide: English speaking local guide
Accommodation: Accommodation of your choice – Bungalow or Lodge
Itinerary Details Day 2 Local countryside
It's a great location to get up early. Bicycles are available for those who like to paddle around the Lake area. It is also possible to explore the Lake by kayak and experience a great sun rise over the Lak Lake.
Breakfast will be served at the resort and you'll have some free time before it is time to check out. We will transfer you back to the boat pier to continue your further travelling.
Transportation: Hiking, biking, kayaking
Meals: Breakfast
Guide: N/A
Accommodation: N/A
This tour is set-up, based on arriving at, and departing from the boat pier at Lak lake. If you prefer another route, no problem, just let us know and we'll arrange it.
The given price per person on our website is based on 2 people (shared accommodation).
What's included?
What's excluded?
What do I need to bring?
What do I need to know?
During the period March to November it will good to pack your swimming gear, a towel, a wide-brimmed hat, sunscreen (at least SPF15), a reliable insect repellent, toiletries, a camera and lots of batteries. Warm clothing for the cooler months of November to March is advised. How much luggage can I take? Your vehicle has limited space so please keep your luggage to a maximum of 15kgs in a backpack or soft over-night bag and include a small day pack to hand carry for easy access to camera, sunscreen, water etc. Inhibitions can be left in the luggage storage rooms at your hotel with your other unwanted baggage.
Get Up and Go Vietnam is doing all possible to make your journey and travel experience an unforgettable one. Weather conditions, we unfortunately cannot control. Our apologies for that!


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Hillary Wiesner
Carnegie Corporation of New York
Program Director, Islam Initiative, International Program
Hillary Wiesner joined the Corporation in 2007 as Director of the Islam Initiative, a renewed, transdisciplinary program to enhance understanding of the diversity of thought, cultures and history in the Muslim world.
Prior to joining the Corporation, she was an international civil servant in the United Nations Educational, Scientific and Cultural Organization (UNESCO-Paris), where she served as Senior Executive Officer and Secretary of the Directorate until the end of 2006. She handled relations with the United States for the Director-General during that organization's reforms and the United States' consideration of a return to membership. During this time, the United States rejoined the organization after 19 years of non-membership.
Before moving to France, she spent many years studying the history, religions and archaeology of the ancient Mediterranean and Near East. She holds a B.A. in religion from Harvard, an M.A. from the University of Chicago on the Ancient Mediterranean World, and a Ph.D. from Harvard's Committee on the Study of Religion with a focus on the continuity, interactions and syncretism seen in ancient monuments and texts, and teaching experience in Early Christianity, Classics and Greco-Roman religion. She worked on Aristotelian and Neoplatonic thought from the Hellenistic period to the great philosophers of Islam - including the translation of Greek philosophy into Arabic in the 9th century - in Cairo, Rome, Jerusalem and London, with excavation experience in Turkey. She has also written on dialogue and ethics across cultures, women and religion, religion and science, tolerance and human rights.


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Advanced White Water Kayak Leader
If you're looking to lead white water kayakers on advanced river journeys, this two day training focuses on the high level of personal skills, judgement and leadership needed in advanced situations. The course covers personal paddling skills, rescue skills, safety, leadership and group skills and the theory.
After the 2 day training you will need to successfully complete a two day, mainly practical assessment on sections of white water, which includes suitable river journeys. Advanced White Water Kayak Leaders need to have the personal skill level, leadership ability and judgement to lead paddlers with a range of experience, up to and including advanced white water.
- Advanced White Water Kayak Leader training (within 3 years)
- Advanced White Water Safety and Rescue training
- Home Nation Leadership Registration (LR) Form
- Full Home Nation Association Membership
- Valid 2 day First Aid training
- Aged 18 or over
Recommended Kit To Bring
Personal paddling equipment for sheltered water environment.
If you need any equipment then please get in touch prior to the course. Email firstname.lastname@example.com