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My parents were instrumental in cultivating my love for music at a very young age. Although they eventually pursued academic careers in psychology and education, my Mom was at one time an accomplished classical pianist and my Dad is still a very gifted jazz pianist. I am forever grateful to them for inspiring my love for music and the creative arts.
I began studying classical guitar as a seven-year-old, but it wasn’t until I was almost twenty that I discovered my love for singing. That discovery coincided with the dawn of my interest in meditation and spiritual inquiry, and during that time, I began to write poetry and songs that reflected those new yearnings and awakenings. That was thirty-nine years ago and to this day, I continue to find music to be a remarkable vehicle for giving voice to the ineffable. The poet Rumi reminds us: “Let the beauty that we love be what we do.” The creation and sharing of this music is one of my favorite ways to express this love for the mystery and the miracle that is every moment.
John's latest recording, What We've Always Been, contains 12 beautifully arranged songs. Titles include: "Dazzling Darkness," "Take What Has Been Given," and "The Seeker Is the Sought." It also includes a moving rendition of the well-loved Rumi poem, "Out Beyond Ideas."
Already Shining was originally recorded live at the Kuumbwa Jazz Center in November of 2005. It features eight new compositions along with live renderings of two previously released songs, "Love, Serve, and Remember," and "True Emptiness." Already Shining also features two beautiful compositions based on the poetry of Adyashanti. Titles include: "Fall in Love with Now," "Too Intimate for Words," and "Only the Mystery."
Voice of the Mystics: This release features beautiful compositions with lyrics from the poetry of great mystics such as Rumi, Kabir, and Jesus. Includes a stirring rendition of the Buddhist prayer of lovingkindness. Titles include "We Are the Mirror," "Dwell in the Peace," "Wake Up This Morning" and "Impermanence."
With this recording of Clear Blue Mind, John continues his tradition of evocative songs of meditation and spiritual contemplation that point us to the Deeper Reality. Titles include "One Without a Second," "Transparent to the Light," "Submerged in Light," and "True Emptiness."
Now is the Time is a compilation CD featuring 15 of John’s most well-loved songs drawn from his first three studio recordings (circa 1986-90): "Into the Light," Wake to the Beauty," and "Winds of Grace." Featured titles include "Make Me an Instrument," "Heavenly Rain," "Winds of Grace," and "Sanctuary."
This recording once again showcases the talents of Gourd Music recording artists Barry and Shelley Phillips and the keyboard artistry of Jay Jackson. John is also joined on several songs by members of the Santa Cruz-based Mt. Madonna Choir. Reflections features nine inspiring compositions including "Believe in Love" and "The Witness."
Remembrance: This magnificently crafted recording from 1991 features the song "Love, Serve & Remember," which has become John’s signature piece. The recording also includes the popular titles "There Is a Light," and "Dance of the One," along with two exquisite instrumentals.
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Let us create a website that you will love and your competition will envy!TM At D805 we take pride in our ability to orchestrate thoughts and words into images that reflect the individuality of our clients.
Digital 805 offers a wide range of design skills that will benefit your marketing, advertising or public relation campaigns. From logo design to business cards and brochures, we help promote your business every step of the way!
Your website should be visible to the public at large, not just to your existing customers or the lucky few who happen to come across it. In today’s challenging business climate make sure your company is not overlooked on the Internet!
Digital 805 has been offering Reliable Domain Name Hosting since 1997! We offer dependable and fast Servers, prompt and professional customer support, and easy to use cpanel control panel.
Protect what matters most! When the time comes to renew your domain name, change hosts or update technical information, there are key pieces of information that you must have on hand to supply to the registrar.
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"timestamp": "2019-04-21T06:34:12",
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The following websites or publications have mentioned FreeOrion: [http://www.techradar.com/news/gaming/top-40-best-free-games-you-should-play-today-695473 TechRadar] list FreeOrion among its "Top 100 best free games you should play today". [http://einfogames.com/reviews/freeorion/ Einfo Games] reviews FreeOrion. [http://www.bronygamersplay.com/2013/12/themoomaster-freeorion-alpha-review.html Brony Gamers] reviews FreeOrion. [http://www.jupiterbroadcasting.com/15756/linux-rocks-ces-las-s20e02/ The Linux Action Show] highlights FreeOrion in [http://www.youtube.com/watch?v=LqAHyaX0Lrw#t=9m17s Season 20 Episode 2]. [http://www.spacesector.com/ SpaceSector] has an [http://www.spacesector.com/blog/2009/07/freeorion-a-free-open-source-4x-space-strategy-game/ overview] and [http://www.spacesector.com/blog/2009/08/interview-with-freeorions-programming-lead-zach-laine/ interview] about FreeOrion. [http://fullcirclemagazine.org/ Full Circle Magazine] mentions FreeOrion in [http://dl.fullcirclemagazine.org/issue14_en.pdf issue 14 (PDF)]. [http://en.softonic.com/ softronic] has a brief [http://freeorion.en.softonic.com/ review] of FreeOrion v0.3.9. [http://www.freewaregenius.com/ freewaregenius] mentions FreeOrion in a [http://www.freewaregenius.com/2008/05/15/an-overview-of-free-turn-based-strategy-and-war-games/ list of TBS strategy and war games]. [http://www.osgui.com/ OSGUI] mentions Freeorion in [http://www.youtube.com/watch?v=0EI_etoMBL0 an review] of space games.
|
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Published at Friday, March 15th, 2019 - 00:16:29 AM. Garage. By Idetta Bieler.
|
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"timestamp": "2019-04-26T14:16:33",
"url": "https://derrelljamison.com/how-much-does-it-cost-to-build-a-garage/garage-sale-sign-view-larger-yard-sale-signs-templates/",
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As a still wet behind the ears President of the Fremantle Society I thank Bryden Dalitz for his Thinking Allowed (Fremantle Herald 4-12-10) because it gives me a perfect opportunity to respond. I make no apologies for the effectiveness of Fremantle’s peak heritage lobby group, the Fremantle Society, we are good at what we do; perhaps Bryden could look closer to home and lay some blame for “economic growth being severely lacking” at the feet of the business lobby group for whom he works and question why the Chamber of Commerce has not achieved similar success. Bryden sends mixed messages berating the heritage lobby for their recent work but complimenting us by telling readers; “..citizens of Fremantle should be grateful to groups who went against the zeitgeist of decades past and prevented many wonderful and iconic buildings that characterise Fremantle from being destroyed.” A case of wisdom in hindsight …..
Bryden sings the praises of ING’s Victoria Quay proposal, whilst criticising opposition to it. I argue a large box shopping centre with multi-storey carpark is not the highest and best use for Victoria Quay, it would not “bring people to the West End“; they would drive past local businesses to park, shop and leave, as at Bondi Central in Sydney and Harbourtown in West Perth. But of course ING did get planning approval, but then chose to do nothing until their approval is close to lapsing.
Similarly, Council recently granted a third 2 year approval for a heritage building in the West End which remains boarded up rather than adding to Fremantle’s vibrancy. I must here mention Fremantle’s biggest disgrace, the Cantonment Street woolstores which Council granted development approval over 4 years ago, yet nothing has been done, effectively stifling that end of town.
Bryden, it’s not groups trying to protect our assets, our point of difference, our heritage, that holds Fremantle back, but owners of significant sites and buildings allowing them to disintegrate along with Fremantle by land-banking instead of developing, maintaining and even using these assets.
Enjoy your trip to Melbourne and when you are in hip Lygon or Acland Streets check out the buildings, you will find low rise heritage, like Fremantle’s West End. Go to Sydney and check out Paddington, travel the world, I bet you come back to Fremantle.
The Fremantle Society will be holding its AGM in a few weeks, on Monday December 6th, 7 for 730pm at the University of Notre Dame Santa Maria Lecture Theatre, 19 Mouat Street Fremantle.
We hope as many Society members as possible will attend. Non-members are also encouraged to attend — you join up on the night for just $20 annual sub, $25 family and $10 concession — there is a proposal to increase the subs for 2011, but if you join before or at the AGM, $20 is all you need pay!
Our guest speaker is Dr Carmen Lawrence, well known for her past and dedicated political contributions to WA and especially to Fremantle. Recently, Carmen was appointed Chair of the Australian Heritage Council, the Federal body responsible for heritage. In this role, Carmen will be addressing the topic “Why List the West Kimberley?” Given recent public debate on the future of this area, it is a timely topic.
The Election of a new Committee will also take place at the AGM. Nominations close on November 22nd and nomination papers will be mailed out to members — you are encouraged to nominate, whether it be for Committee (9 members required), for President (Ian Alexander is stepping down after 4 years in the post) or Secretary (Ruth Belben is not re-nominating for that position).
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The outlook overshadowed third-quarter revenue, which beat analysts' estimates, and a loss that was smaller than expected.
Revenue from Roku's streaming platform is a closely watched metric and the company has pinned hopes on the segment, which generates profit margins well above 70 percent.
DA Davidson analyst Tom Forte said the pullback in shares was also a reflection of expectations being "too high" for the company's third-quarter results.
Roku's streaming devices have been facing intense competition from the likes of Apple TV and Google Chromecast.
"We added several news providers in anticipation of the mid-term elections and it was one of our best news days ever."
The company's shares were down 12.6 percent at $51.41 after the bell.
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"timestamp": "2019-04-21T22:15:17",
"url": "https://ca.news.yahoo.com/roku-reports-39-percent-rise-quarterly-revenue-211131253--finance.html",
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The preview and reading trials of issue 52 (January/February 2005) have gone online today.
This time we've tested Papyrus, the new Competition joystick, Amiga Classix 4, Boxikin, VIM and much more for you.
But a workshop about the adaption of sources to the AmigaOS 4, a special and a preview of the Vivaldi won't be missing either.
Besides lots of PD software and a full version you can find a "How to build the machine" video of bplan in a better version (169MB) on the cover CD.
The Amiga Future can be obtained as a single issue and subscription with or without a cover CD in the online shop of APC&TCP.
The issue will be out on 15th January. Due to the holidays it could be that the release date moves a few days back.
In the "Issues" section of the Amiga Future you can find a complete and detailed description of contents and the reading trials.
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Albert: "My doctor advised me to stop playing golf".
Ron: "Why is that? Did he look at your elbows?"
Albert: "No, just my scoreboard."
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The deadline for public comments on the proposed amendments is April 7, 2014. Reply comments may be filed by April 14, 2014. The Board will hold a public hearing during the week of April 7. Criticism of the rule came swiftly today. Geoff Burr, vice president of government affairs for the Associated Builders and Contractors trade group, is quoted by The Wall Street Journal as saying: "This proposal is a solution in search of a problem," he said. "Shortening the election period does nothing to ensure a fairer election…In addition, it denies employers their rights to free speech and employees the opportunity to make a fully informed decision." A copy of the proposed amendments is available here . Coverage of the NLRB’s announcement can be found here: The Hill: " NLRB resurrects union election rule " The Wall Street Journal: " NLRB Proposes Rule to Streamline and Speed Union-Organizing Elections "
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"timestamp": "2019-04-20T22:32:28",
"url": "https://www.btlaw.com/insights/blogs/nlrb-reissues-quickie-election-rules-its-dj-vu-all-over-again",
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Go big with the unique style and comfort of the Dallas from David Tate.
Genuine leather upper with cutout details throughout.
Traditional lacing at vamp and buckle closure at ankle strap provide an adjustable and secure fit.
A padded footbed provides all-day comfort.
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"timestamp": "2019-04-26T11:50:21",
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This is a “Perfect Pencil” in Faber-Castell’s ‘UFO’ design. It has a matt aluminium cap which protects the point, extends the pencil for writing, and also contains an integral high-quality sharpener. An integral clip holds the pencil firmly in your pocket. The other end of the pencil bears a non-smudge eraser — any mistakes disappear without a trace. The lead is a ‘B’ hardness and is break-resistant thanks to its SV bonding. Available in either black or brown.
This is a “Perfect Pencil” in Faber-Castell’s ‘UFO’ design, from their Fine Writing range. It has a matt aluminium cap which protects the point, extends the pencil for writing, and also contains an integral high-quality sharpener. A clip holds the pencil firmly in your pocket. The end of the pencil bears a non-smudge eraser — any mistakes disappear without a trace. The lead is a ‘B’ hardness and is break-resistant thanks to its SV bonding.
|
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"timestamp": "2019-04-19T23:08:47",
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Sensamite Luggage Bag - Red - Xtra Large price from jumia in Nigeria - Yaoota!
Sensamite bags believe in quality and good products. We understand people's need so we design our products in such a way that our customer get maximum satisfaction. Sensamite designed products are the most fashionable, trendy, stylish with latest colour and design. our product's is known for fine quality ,style, durability and excellent finishing. Safe trip Africa.
|
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"timestamp": "2019-04-26T03:47:57",
"url": "https://yaoota.com/en-ng/product/sensamite-luggage-bag-red-xtra-large-price-from-jumia-nigeria",
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Rep your pride in our special edition New York Road Runners, the Run for Life NYC Boroughs Tee. You can slip into this comfortable short sleeve shirt to represent, whether you’re spectating or enjoying some post-run brews. Our New Balance cotton-blend short sleeve shirt proudly boasts the NB logo and the NYRR official branding.
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"timestamp": "2019-04-25T09:43:47",
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TABLE OF CONTENTS Chapters 1. INTRODUCTION * Reason for selecting the project * Scheme of the project * Research Methodology * Limitation of the study 2. CREDIT POLICY OF COMMERCIAL BANK * Commercial banks and its objectives * Recent policy developments regarding bank credit * Changing phase of bank credit * Trends of bank credit in India * Procedure for providing bank credit * Credit Appraisal 3.
THE PROFILE OF THE ORGANIZATION OF PNB * Indian banking sector & its major challenges * Punjab National Bank at a glance * Mission and Vision * Organizational structure of PNB 4. CREDIT PHILOSOPHY & POLICY WITH REGARDS TO PNB Credit philosophy * Credit policy * Introduction to loans * Classification of loans * Building up of a proposal * Requirements as per constitution of borrower * Financial Appraisal 5. ANALYSIS AND INTERPRETATION OF DATA * Credit Appraisal techniques * Process of credit appraisal for providing cash credit * Appraisal techniques for retail loans 6. CONCLUSION * Conclusion * BIBLIOGRAPHY Introduction The last year financial crises have become the main cause for recession which was started in 2006 from US and was spread across the world. The world economy has been majorly affected from the crisis.
The securities in stock exchange have fallen down drastically which has become the root cause of bankruptcy of many financial institutions and individuals. The root cause of the economic and financial crisis is credit default of big companies and individuals which has badly impacted the world economy. So in the present scenario analysing one’s credit worthiness has become very important for any financial institution before providing any form of credit facility so that such situation doesn’t arise in near future again. Analysis of the credit worthiness of the borrowers is known as Credit Appraisal.
In order to understand the credit appraisal system followed by the banks this project has been conducted. The project has analysed the credit appraisal procedure with special reference to Punjab National Bank which includes knowing about the different credit facilities provided by the banks to its customers, how a loan proposal is being made, what are the formalities that is to be satisfied and most importantly knowing about the various credit appraisal techniques which are different for each type of credit facility. Before going further it is necessary to understand the need and basic framework of the project.
Therefore this chapter provides an introduction to the topic, objective of the project, reasons for selecting the project and the basic structure and framework how the project proceeds. In order to understand the importance of the topic selected an introduction to the overview of the commercial bank , its functions, and present trends and growth in bank credit are required and it is covered in this chapter. Reasons for selecting the project Whenever an individual or a company uses a credit that means they are borrowing money that they promise to repay with in a pre-decided period.
In order to assess the repaying capability i. e. to evaluate their credit worthiness banks use various techniques that differ with the different types of credit facilities provided by the bank. In the current scenario where it is seen that big companies and financial institutions have been bankrupted just because of credit default so Credit Appraisal has become an important aspect in the banking sector and is gaining prime importance. It is the incident of credit defaults that has given rise to the financial crisis of 2008-09.
But in India the credit default is comparatively less that other countries such as US. One of the reasons leading to this may be good appraisal techniques used by banks and financial institutions in India. Eventually the importance of this project is mainly to understand the credit appraisal techniques used by the banks with special reference to Punjab National Bank. Scheme of the project It covers the objective and structure of the project which is discussed as follows:- Objective of the project The overall objective of this project is to under stand the current credit appraisal system used in banks.
The Credit Appraisal system has been analysed as per the different credit facilities provided by the bank. The detailed explanation about the techniques and process has been discussed in detail in the further chapters. Structure or Plan of the project The project first of all makes a study about the commercial banks- its important functions. Then it highlights on the concept of Bank Credit & its recent trends. The project then proceeds towards the lending procedure of banks and here it highlights about credit appraisal being the first step in building up of a loan proposal.
Then it discusses the bank credit policy with respect to Punjab National bank where the project was undertaken. The project then proceeds with the review of literature i. e. review of some past work regarding credit appraisal by various researchers. The project then moves towards research methodology where it covers the information regarding the type of data collected and the theoretical concepts used in the project are discussed in detail. Then the project proceeds with the next chapter consisting of the analysis part which covers the analysis of various techniques used by the banks for the purpose of credit appraisal.
Then the project moves to its next chapter i. e. findings where some results found out are interpreted and then moving on to the last and the final chapter i. e. the suggestions and conclusions where some steps are suggested to be implemented to increase the work efficiency and to reduce to work pressure Commercial banks and its objectives A commercial bank is a type of financial intermediary that provides checking accounts, savings accounts, and money market accounts and that accepts time deposits.
Some use the term “commercial bank” to refer to a bank or a division of a bank primarily dealing with deposits and loans from corporations or large businesses. This is what people normally call a “bank”. The term “commercial” was used to distinguish it from an investment bank. Commercial banks are the oldest, biggest and fastest growing financial intermediaries in India. They are also the most important depositories of public savings and the most important disbursers of finance. Commercial banking in India is a unique banking system, the like of which exists nowhere in the world.
The truth of this statement becomes clear as one studies the philosophy and approaches that have contributed to the evolution of banking policy, programmes and operations in India. The banking system in India works under constraints that go with social control and public ownership. The public ownership of banks has been achieved in three stages: 1995, july 1969 and April, 1980. Not only the public sector banks but also the private sector and foreign banks are required to meet the targets in respect of sectoral deployment of credit, regional distribution of branches, and regional credit deposit ratios.
The operations of banks have been determined by lead bank scheme, Differential Rate of interest scheme, Credit authorization scheme, inventory norms and lending systems prescribed by the authorities, the formulation of credit plans, and service area approach. Commercial Banks in India have a special role in India. The privileged role of the banks is the result of their unique features. The liabilities of Bank are money and therefore they are important part of the payment mechanism of any country.
For a financial system to mobilise and allocate savings of the country successfully and productively and to facilitate day-to-day transactions there must be a class of financial institutions that the public views are as safe and convenient outlets for its savings. The structure and working of the banking system are integral to a country’s financial stability and economic growth. It has been rightly claimed that the diversification and development of Indian Economy are in no small measure due to the active role banks have played financing economic activities of different sectors.
Commercial banks are a major source of finance to industry and commerce. Outstanding bank credit has gone on increasing from Rs 727 crore in 1951 to Rs 19,124 crore in 1978, to Rs 69,713 crore in 1986, Rs 1,01,453 crore in 1989-90 , Rs 2,82,702 crore in 1997 and to Rs 6,09,053 crore in 2002. Banks have introduced many innovative schemes for the disbursement of credit. Among such schemes are village adoption, agriculture development branches and equity fund for small units. Recently, most of the banks have introduced attractive education loan schemes for pursuing studies at home or abroad.
BPLR| Oct – 08| Mar – 09| Apr – 09| Change (from Oct to Apr)| Public Sector Banks| 13. 75-14. 75| 11. 50-14. 00| 11. 50-13. 50| 125-225| Private Sector Banks| 13. 75-17. 75| 12. 75-16. 75| 12. 50-16. 75| 100-125| Five Major Foreign Banks | 14. 25-16. 75| 14. 25-15. 75| 14. 25-15. 75| 0-100| Sector-wise credit points credit has increased to agriculture, industry and real estate whereas has declined to NBFCs and Housing. A bank group wise sectoral allocation is also given which suggests private banks have increases exposure to agriculture and real estate but has declined to industry.
Public sector banks have increased allocation to industry and real estate. There is a more detailed analysis in the macroeconomic report released before the monetary policy. Sector| As on February 15, 2008| | As on February 27, 2009| | | % share| Variations| % share | Variations| | in total| (per cent)| in total| (per cent)| Agriculture| 9. 2| 16. 4| 13| 21. 5| Industry| 45. 2| 25. 9| 52. 5| 25. 8| Real Estate| 3. 1| 26. 7| 8. 5| 61. 4| Housing| 7. 3| 12| 4. 7| 7. 5| NBFCs| 5. 7| 48. 6| 6. 6| 41. 7| Overall Credit| 100| 22| 100| 19. 5| To sum up, the credit conditions seems to have worsened after January 2009.
The rates have declined but lending has not really picked up. However, the question still remains – whether credit decline is because banks are not lending (supply) or because people/corporates are not borrowing (lack of demand). It is usually seen that all financial variables as lead indicators say if credit growth (along with other fin indicators) is picking, actual growth will also rise. However, it is actually seen the relation is far from clear. In fact, the financial indicators hardly help predict any change in business cycle. Most rise in good times and fall in bad times.
Most financial indicators failed to predict this global financial crisis and kept rising making everyone all the more complacent. Recent policy developments Regarding Bank Credit Bank lending was done for a long time by assessing the working capital needs based on the concept of MPBF (maximum permissible bank finance). This practice has been withdrawn with the effect from April 15th 1997 in the sense that the date, banks have been left free to choose their own method ( from the method such as turnover , cash budget, present MPBF , or any other theory) of assessing working Capital requirement of the borrowers.
The cash credit system has been the bane, yet it has exhibited a remarkable strength of survival all these years. In spite of many efforts which were direct in nature, only a slow progress has been made to reduce its importance and increase bill financing. Therefore a concrete and direct policy step was taken on April 21, 1995 which made it mandatory for banks, consortia, syndicates to restrict cash credit components to the prescribed limit , the balance being given in the form of a short term loan, which would be a demand loan for a maximum period of one year, or in case of seasonal industries , for six months.
The interest rates on the cash credit and loan components are to be fixed in accordance with the prime lending rates fixed by the banks. This “loan system” was first made applicable to the borrowers with an MPBF of Rs 20 crore and above; and in their case , the ratio of cash credit (loan) to MPBF was progressively reduced(increased) from 75 (25) per cent in April 1995 , to 60 (40) percent in September 1995, 40 (60) per cent in April 1996 , and 20 (80) percent in April 1997.
With the withdrawal of instructions about the MPBF in April 1997 , the prescribed cash credit and loan components came to be related to the working capital limit arrived in banks as per the method of their choice. With effect from September 3, 1997, the RBI has permitted banks to raise their existing exposure limit to a business group from 50% to 60%; the additional 10% limit being exclusively meant for investment in infrastructure projects. The term lending by banks also has subject to the limits fixed by RBI. In 1993, this limit was raised from Rs 10 crore to Rs 50 crore in case of a oan for a single project by a single bank, and from Rs 150 crore to Rs 200 crore for a single project by all the banks. The latter limit was subsequently raised to Rs 500 crore in the case of general projects and Rs 1000 crore for power projects. From September3, 1997 these caps on term lending by banks were removed subject to their compliance with the prudential exposure norms. The banks can invest in and underwrite shares and debentures of corporate bodies. At present, they can invest five percent of their incremental deposits in equities of companies including other banks.
A study group headed by Shri Prakash Tandon, the then Chairman of Punjab National Bank, was constituted by the RBI in July 1974 with eminent personalities drawn from leading banks, financial institutions and a wide cross-section of the industry with a view to study the entire gamut of Bank’s finance for working capital and suggest ways for optimum utilization of Bank credit. This was the first elaborate attempt by the central bank to organize the Bank credit. Most banks in India even today continue to look at the needs of the corporate in the light of methodology recommended by the Group.
The report of this group is widely known as Tandon Committee report. The weaknesses in the Cash Credit system have persisted with the non-implementation of one of the crucial recommendations of the Committee. In the background of credit expansion seen in 1977-79 and its ill effects on the economy, RBI appointed a working group to study and suggest- i) Modifications in the Cash Credit system to make it amenable to better management of funds by the Bankers and ii) Alternate type of credit acilities to ensure better credit discipline and co relation between credit and production. The Group was headed by Sh. K. B. Chore of RBI and was named Chore Committee. Another group headed by Sh. P. R. Nayak (Nayak Committee) was entrusted the job of looking into the difficulties faced by Small Scale Industries due to the sophisticated nature of Tandon ; Chore Committee recommendations. His report is applicable to units with credit requirements of less than Rs. 50 lacs.
The recommendations made by Tandon Committee and reinforced by Chore Committee were implemented in all Banks and Bank Credit became much more organized. However, the recommendations were perceived as too strict by the industry and there has been a continuous clamor from the Industry for movement from mandatory control to a voluntary market related restraint. With recent liberalization of economy and reforms in the financial sector, RBI has given the freedom to the Banks to work out their own norms for inventory and the earlier norms are now to be taken as guidelines and not a mandate.
In fact, beginning with the slack season credit policy of 1997-98, RBI has also given full freedom to all the Banks to devise their own method of assessing the short term credit requirements of their clients and grant lines of credit accordingly. Most banks, however, continue to be guided by the principles enunciated in Tandon Committee report. Trends of Bank Credit in India The face of Indian banking has changed radically in the last decade. A perusal of the Basic Statistical Returns submitted by banks to the Reserve Bank of India shows that between 1996 and 2005, personal loans have been the fastest growing asset, increasing from 9. per cent of the total bank credit in 1996 to 22. 2 per cent in 2005. Of course, this is partly due to the huge rise in housing loans, which rose from 2. 8 per cent of the bank credit to 11 per cent over the period, but ‘other personal loans’ — comprising loans against fixed deposits, gold loans and unsecured personal loans — also rose from 6. 1 per cent to 10. 7 per cent. Other categories whose share increased were loans to professionals and loans to finance companies. In contrast, there has been a sharp decline in the share of lendings to industry. Credit to small scale industries fell from 10. per cent of the total in 1996 to 4. 1 per cent in 2005. Reasons for declining trend of bank credit * A major share of the economic growth has been led by the expansion of the service sector * Capital intensity and investment intensity required for growth in the current economic context may not be as high as it used to be in the past. * In manufacturing sector more efficient utilization of existing capacities contributed to the sectoral growth rather rather than any large addition of fresh capacities. The consequential increase in the demand for credit was also subdued. Greater and cheaper avenues for credit resulted in a bigger share of disintermediation being resorted to by large borrowers. The other trend has been the substantial drop in the share of rural credit, while the share of metropolitan centres has increased. While bankers say that up gradation of rural centres into semi-urban could be one reason (the share of semi-urban centres has gone up), it is also true that the reforms have been urban-centric and have tended to benefit the metros more. The number of rural bank offices fell from 32,981 in March 1996 to 31,967 by March 2005.
The states have been the main beneficiaries of bank credit are the northern region as it has increased its share from 18. 7 per cent of the total credit in 1996 to 22. 2 per cent in 2005. As it was seen that Delhi’s share went up from 9. 5 per cent to 12. 1 per cent over the period. This is not due to food credit, the account of which is maintained in Delhi. Clearly, the national capital has gained a lot from liberalisation. Trends for the year 2008-09 The aggregate deposits of scheduled commercial banks have expanded during 2008-09 at a somewhat slower rate (19. %) than in 2007-08 (22. 4%). Within aggregate deposits demand deposits have shown an absolute fall (-Rs 4,179 crore) in contrast to the sizeable increase (Rs 94,579 crore or by 22%) in 2007-08,. On the other hand, time deposits have shown an accelerated increase of 22. 6% (or Rs 647,806 crore) as against 21. 8% (Rs 512,844 crore) in the previous year. In the investment portfolio of banks, the expansion during 2008- 09 at Rs 194,031crore has been much lower than the expansion of Rs 340,250 crore as increase in net bank credit to government under onetary data for the same period. This has happened because the latter has a sizeable amount of RBI credit to government following the increased open market operations. Finally, there has occurred considerable slowdown in bank credit expansion. Because of relatively higher procurement of foodgrains, food credit has expanded by Rs 1,812 crore during 2008-09 as against an absolute fall of Rs 2,121 crore in 2007-08. Non-food credit growth at Rs 406,287 (17. 5%) has been slower than in the previous year at Rs 432,846 (23. 0%).
Procedure for providing Bank Credit- Banks offers different types of credit facilities to the eligible borrowers. For this, there are several procedures, controls and guidelines laid out. Credit Appraisal, Sanctions, Monitoring and Asset Recovery Management comprise the entire gamut of activities in the lending process of a bank which are clearly shown as below: Source- Self constructed From the above chart we can see that Credit Appraisal is the core and the basic function of a bank before providing loan to any person/company, etc.
It is the most important aspect of the lending procedure and therefore it is discussed in detail as below. Credit Appraisal Meaning – The process by which a lender appraises the creditworthiness of the prospective borrower is known as Credit Appraisal. This normally involves appraising the borrower’s payment history and establishing the quality and sustainability of his income. The lender satisfies himself of the good intentions of the borrower, usually through an interview. * The credit requirement must be assessed by all Indian Financial Institutions or specialised institution set up for this purpose. Wherever financing of infrastructure project is taken up under a consortium / syndication arrangement – bank’s exposure shall not exceed 25% * Bank may also take up financing infrastructure project independently / exclusively in respect of borrowers /promoters of repute with excellent past record in project implementation. * In such cases due diligence on the inability of the projects are well defined and assessed. State government guarantee may not be taken as a substitute for satisfactory credit appraisal.
The important thing to remember is not to be overwhelmed by marketing or profit centre reasons to book a loan but to take a balanced view when booking a loan, taking into account the risk reward aspects. Generally everyone becomes optimistic during the upswing of the business cycle, but tend to forget to see how the borrower will be during the downturn, which is a short-sighted approach. Furthermore greater emphasis is given on financials, which are usually outdated; this is further exacerbated by the fact that a descriptive approach is usually taken, rather than an analytical approach, to the credit.
Thus a forward looking approach should also be adopted, since the loan will be repaid primarily from future cash flows, not historic performance; however both can be used as good repayment indicators. Indian Banking Sector ; Its Major Challenges It is well recognised by the world that India is one of the fastest growing economies in the world. Evidence from across the world suggests that a sound and evolved banking system is required for sustained economic development. The last decade has seen many positive developments in the Indian banking sector.
The policy makers, which comprise the Reserve Bank of India (RBI), Ministry of Finance and related government and financial sector regulatory entities, have made several notable efforts to improve regulation in the sector. The sector now compares favourably with banking sectors in the region on metrics like growth, profitability and non-performing assets (NPAs). A few banks have established an outstanding track record of innovation, growth and value creation. This is reflected in their market valuation. However, improved regulations, innovation, growth and value creation in the sector remain limited to a small part of it.
The cost of banking intermediation in India is higher and bank penetration is far lower than in other markets. India’s banking industry must strengthen itself significantly if it has to support the modern and vibrant economy which India aspires to be. While the onus for this change lies mainly with bank managements, an enabling policy and regulatory framework will also be critical to their success. The failure to respond to changing market realities has stunted the development of the financial sector in many developing countries.
A weak banking structure has been unable to fuel continued growth, which has harmed the long-term health of their economies. In this “white paper”, we emphasise the need to act both decisively and quickly to build an enabling, rather than a limiting, banking sector in India. Indian banks have compared favourably on growth, asset quality and profitability with other regional banks over the last few years. The banking index has grown at a compounded annual rate of over 51 per cent since April 2001 as compared to a 27 per cent growth in the market index for the same period.
Policy makers have made some notable changes in policy and regulation to help strengthen the sector. These changes include strengthening prudential norms, enhancing the payments system and integrating regulations between commercial and co-operative banks. However, the cost of intermediation remains high and bank penetration is limited to only a few customer segments and geographies. While bank lending has been a significant driver of GDP growth and employment, periodic instances of the “failure” of some weak banks have often threatened the stability of the system.
Structural weaknesses such as a fragmented industry structure, restrictions on capital availability and deployment, lack of institutional support infrastructure, restrictive labour laws, weak corporate governance and ineffective regulations beyond Scheduled Commercial Banks (SCBs), unless addressed, could seriously weaken the health of the sector. Further, the inability of bank managements (with some notable exceptions) to improve capital allocation, increase the productivity of their service platforms and improve the performance ethic in their organisations could seriously affect future performance.
India has a better banking system in place Vis a Vis other developing countries, but there are several issues that need to be ironed out. Major challenges of Indian banking sector are mentioned below. Interest rate risk Interest rate risk can be defined as exposure of bank’s net interest income to adverse movements in interest rates. A bank’s balance sheet consists mainly of rupee assets and liabilities. Any movement in domestic interest rate is the main source of interest rate risk. Over the last few years the treasury departments of banks have been responsible for a substantial part f profits made by banks. Between July 1997 and Oct 2003, as interest rates fell, the yield on 10-year government bonds (a barometer for domestic interest rates) fell, from 13 per cent to 4. 9 per cent. With yields falling the banks made huge profits on their bond portfolios. Now as yields go up (with the rise in inflation, bond yields go up and bond prices fall as the debt market starts factoring a possible interest rate hike), the banks will have to set aside funds to mark to market their investment. This will make it difficult to show huge profits from treasury operations.
This concern becomes much stronger because a substantial percentage of bank deposits remain invested in government bonds. Banking in the recent years had been reduced to a trading operation in government securities. Recent months have shown a rise in the bond yields has led to the profit from treasury operations falling. The latest quarterly reports of banks clearly show several banks making losses on their treasury operations. If the rise in yields continues the banks might end up posting huge losses on their trading books.
Given these facts, banks will have to look at alternative sources of investment. Interest rates and non-performing assets The best indicator of the health of the banking industry in a country is its level of NPAs. Given this fact, Indian banks seem to be better placed than they were in the past. A few banks have even managed to reduce their net NPAs to less than one percent (before the merger of Global Trust Bank into Oriental Bank of Commerce OBC was a zero NPA bank). But as the bond yields start to rise the chances are the net NPAs will also start to go up.
The entry of new generation private sector banks has changed the entire scenario. Earlier the household savings went into banks and the banks then lent out money to corporate. Now they need to sell banking. The retail segment, which was earlier ignored, is now the most important of the lot, with the banks jumping over one another to give out loans. The consumer has never been so lucky with so many banks offering so many products to choose from. With supply far exceeding demand it has been a race to the bottom, with the banks undercutting one another.
A lot of foreign banks have already burnt their fingers in the retail game and have now decided to get out of a few retail segments completely. The nimble footed new generation private sector banks have taken a lead on this front and the public sector banks are trying to play catch up. The PSBs have been losing business to the private sector banks in this segment. PSBs need to figure out the means to generate profitable business from this segment in the days to come. The urge to merge In the recent past there has been a lot of talk about Indian Banks lacking in scale and size.
The State Bank of India is the only bank from India to make it to the list of Top 100 banks, globally. Most of the PSBs are either looking to pick up a smaller bank or waiting to be picked up by a larger bank. The central government also seems to be game about the issue and is seen to be encouraging PSBs to merge or acquire other banks. Global evidence seems to suggest that even though there is great enthusiasm when companies merge or get acquired, majority of the mergers/acquisitions do not really work. So in the zeal to merge with or acquire another bank the PSBs should not let their common sense take a back seat.
Before a merger is carried out cultural issues should be looked into. A bank based primarily out of North India might want to acquire a bank based primarily out of South India to increase its geographical presence but their cultures might be very different. So the integration process might become very difficult. Technological compatibility is another issue that needs to be looked into in details before any merger or acquisition is carried out. Impact of BASEL-II norms Banking is a commodity business. The margins on the products that banks offer to its customers are extremely thin vis a vis other businesses.
As a result, for banks to earn an adequate return of equity and compete for capital along with other industries, they need to be highly leveraged. The primary function of the bank’s capital is to absorb any losses a bank suffers (which can be written off against bank’s capital). Norms set in the Swiss town of Basel determine the ground rules for the way banks around the world account for loans they give out. These rules were formulated by the Bank for International Settlements in 1988. Essentially, these rules tell the banks how much capital the banks should have to cover up for the risk that their loans might go bad.
The rules set in 1988 led the banks to differentiate among the customers it lent out money to. Different weightage was given to various forms of assets, with zero percentage weightings being given to cash, deposits with the central bank/govt. etc, and 100 per cent weighting to claims on private sector, fixed assets, real estate etc. The summation of these assets gave us the risk-weighted assets. Against these risk weighted assets the banks had to maintain a (Tier I + Tier II) capital of 9 per cent i. e. every Rs100 of risk assets had to be backed by Rs 9 of Tier I + Tier II capital.
To put it simply the banks had to maintain a capital adequacy ratio of 9 percent. The problem with these rules is that they do not distinguish within a category i. e. all lending to private sector is assigned a 100 per cent risk weighting, be it a company with the best credit rating or company which is in the doldrums and has a very low credit rating. This is not an efficient use of capital. The company with the best credit rating is more likely to repay the loan vis a vis the company with a low credit rating.
So the bank should be setting aside a far lesser amount of capital against the risk of a company with the best credit rating defaulting vis a vis the company with a low credit rating. With the BASEL-II norms the bank can decide on the amount of capital to set aside depending on the credit rating of the company. Credit risk is not the only type of risk that banks face. These days the operational risks that banks face are huge. The various risks that come under operational risk are competition risk, technology risk, casualty risk, crime risk etc. The original BASEL rules did not take into account the operational risks.
As per the BASEL-II norms, banks will have to set aside 15 per cent of net income to protect themselves against operational risks. Over the last few years, the falling interest rates, gave banks very little incentive to lend to projects, as the return did not compensate them for the risk involved. This led to the banks getting into the retail segment big time. It also led to a lot of banks playing it safe and putting in most of the deposits they collected into government bonds. Now with the bond party over and the bond yields starting to go up, the banks will have to concentrate on their core function of lending.
The banking sector in India needs to tackle these challenges successfully to keep growing and strengthen the Indian financial system. Furthermore, the interference of the central government with the functioning of PSBs should stop. A fresh autonomy package for public sector banks is in offing. The package seeks to provide a high degree of freedom to PSBs on operational matters. This seems to be the right way to go for PSBs. The growth of the banking sector will be one of the most important inputs that shall go into making sure that India progresses and becomes a global economic super power. Products and Services Corporate banking * Personal banking * Industrial finance * Agriculture finance * Financing of trade * International banking * Home loan * Auto loan * ATM/Debit card * Deposit interest rate * Credit interest rate * Other services: lockers facility, internet banking, EFT ; Clearing services etc Review of Literature Literature review provides available research with respect to the selected topic of the project or the research findings by an author which has been done with respect to the research topic. This chapter provides the overall view of the available literature with respect to the topic of the project.
The review of the related research works are described as under:- 1. A research work on the topic “ On the appraisal on consumer credit banking products with the asset quality frame: A multiple criteria application. ” done by Panagiotis Xidonas, Alexandros Flamos, Sortirios Koussouris, Dimitrious Askouins ; Ioannis Psarras from National Technical University of Athens in 2007 says that Asset quality refers to the likelihood that the bank’s earning assets will continue to perform and requires both a qualitative and quantitative assessment.
Decision problems like the “internal appraisal of banking products”, are problems with strong multiple-criteria character and it seems that the methodological framework of Multiple Criteria Decision Making could provide a reliable solution. In this paper, the Asset Quality banking indicators are the, so called, “criteria”, the value of these indicators are the, so called, “scores” in each criterion and the P. R. O. METH. E. E. [Preference Ranking Organization Method of Enrichment Evaluations, Brans & Vincke (1985)] Multiple Criteria method is applied, towards modelling banking products appraisal problems.
A Multiple Criteria process, strictly mathematically defined, integrates the behaviour of each indicator-criterion and utilizes each score in order to rank the so called “alternatives”, i. e. categories of banking products. 2. The research Paper on “Evaluation of decision support systems for credit management decisions” by S. Kanungo, S. Sharma, P. K. Jain from Department of studies, IIT Delhi have conducted a study to evaluate the efficiency of decision support system (DSS) for credit management. This study formed a larger initiative to access the effectiveness of the I.
T based credit management process at SBI. Such a study was necessitated since credit appraisal has become an integral sub-function of the Indian banks in view of growing incidence of non-performing assets. The DSS they have assessed was a credit appraisal system developed by Quuattro pro at SBI. This system helps in analysis of balance sheets, Calculation of financial ratios, cash flow analysis, future projections, sensitivity analysis and risk evaluation as per SBI norms. They have also used a strong Quassi experimental design called Solomon’s four group design for the assessment.
In the experiment the managers of SBI who attended the training programme were the subjects the experiment consisted of the measurements that were taken as pre and post tests. An experimental intervention was applied between the pre-tests and the pro-tests. The intervention or stimulus consisted of DSS training and use. There were four groups in the experiment. The stimulus remained constant as the they took care to ensure that the course content as well as the instructors remained the same during the course of the experiment. Two were experimental groups and two were control groups.
All four groups underwent training in credit management between the pre and the post tests. Results from research shows that while the DSS is effective, improvement needs to be done in the methodology to assess such improvements. Moreover such assessment frameworks while being adequate from a DSS-centric viewpoint do not respond to the assessment of DSS in an organizational setting . In the concluding section they have discussed how this evaluative framework can be strengthened to initiate an activity that will allow the long term and possibly the only meaningful evaluation framework for such a system. . The research paper on the topic “Towards an appraisal of the FMHA farm credit program: A case study of the efficiency of borrower by S. Mehdian, Wm. McD. Herr, Phil Eberle, and Richard Grabowski” have studied that the a production frontier methodology is used to measure the overall efficiency of a sample of farmers home administration(FMHA) compared to non participants. The study did not find evidence that the efficiency FMHA farms improved between a time period Results indicated that overall efficiency of FMHA borrowers is associated with selected financial characteristics of the farms.
A review of the literature shows that agricultural finance specialists have not been successful in evaluating whether FMHA pro- grams improve the efficiency and income of probability of success. Liberal loan policies Eligible borrowers. Inadequate evaluation of the FMHA program occurs partly because of because the difficulty of adequately deter-mining the impacts of changes in the econ- borrowers in a more normal period of the loan.
This study addressed these difficulties by utilizing a nonparametric production frontier technique to measure overall efficiency and a matched pair statistical procedure to measure how efficiency of farms receiving FMHA credit changed relative to a Non-FMHA farmers. 4. The book named “Financial Analysis for Bank Lending in Liberalised Economy” by Sampat. P. Singh and Dr. S. Singh have discussed the subject financial analysis for bank lending has assumed considerable importance, particularly since early 1990’s when, like most of the countries, India opted for the policy of liberalisation and globalisation after 1991.
The present volume is meant to be a standard reference as well as text book on the varied facets of financial analysis with reference to credit management by Banks and Financial Institutions. The book consists of three parts. Part I discusses the concepts and tools of Financial Analysis; Part II explains various concepts of working capital in its historical context; while Part III demonstrates the application of these tools in the changing context of liberalised economy by focusing on new concepts like ‘Credit Worthiness’, Risk-Analysis, Credit Rating, Products-Differentiation, Pricing-Differentiation, Asset-Liability Management, etc.
The book contains- Bank Lending and Industrial Finance in India ,Basic Economics for Bankers and Business Managers ,Introduction to Fundamentals Accounting Principles ,Profit and Loss Account (Operating Statement) ,Analysis of Profit and Loss Account (Operating Statement) ,Structure and Analysis of Balance Sheet ,Ratios as Tools of Financial Statements Analysis ,Accounting Flows : Income, Cash and Funds ,Break-even Analysis and Margin of Safety ,Appraisal of Capital Projects ,New Conceptual Framework for Analysis, Liberalised Era and New Focus of Bank Lending ,Managing Working Capital by Strategic Choice , Financing Working Capital : Conceptual and Historical Exposition,Creditworthiness and Credit Rating : At Centre stage Nucleus of Credit Appraisal , Working Capital Management-I : MPBF System of Appraisal and Bifurcation of Fund-Based Limit in Two Components Working Capital Management-II : Alternative Methods of Appraisal ,Working Capital Management-III : Follow-up and Supervision , Appraisal of a New Project Involving Term Loan , Management of Problem Accounts , Management of Non-Performing Assets (NPAs), Rehabilitation of Sick Industrial Units, Working Capital Management : Concepts and Techniques , 1st Committee on Financial Sector Reform and the 2nd Committee on Banking System Reform (Known as Narasimham Committee Report, 1998). 5. The research paper on the topic “Competitive analysis in banking: Appraisal of the methodologies” by Nicola Cetorelli has discussed about the U. S. banking industry has experienced significant structural changes as the result of an intense process of consolidation. From 1975 to 1997, the number of commercial banks decreased by about 35 percent, from 14,318 to 9,215.
Since the early 1980s, there have been an average of more than 400 mergers per year (see Avery et al. , 1997, and Simmons and Stavins, 1998). The relaxation of intrastate branching restrictions, effective to differing degrees in all states by 1992, and the passage in 1994 of the Riegle. Neal Interstate Banking and Branching Efficiency Act, which allows bank holding companies to acquire banks in any state and, since June 1, 1997, to open interstate branches, is certainly accelerating the process of consolidation. These significant changes raise important policy concerns. On the one hand, one could argue that banks are merging to fully exploit potential economies of scale and/or scope.
The possible improvements in efficiency may translate into welfare gains for the economy, to the extent that customers pay lower prices for banks. services or are able to obtain higher quality services or services that could not have been offered before. 1 On the other hand, from the point of view of public policy it is equally important to focus on the effect of this restructuring process on the competitive conditions of the banking industry. Do banks gain market power from merging? If so, they will be able to charge higher than competitive prices for their products, thus inflicting welfare costs that could more than offset any presumed benefit associated with mergers.
In this article, analysis of competition in the banking industry is done highlighting a very fundamental issue: How market power is measured and how do regulators rely on accurate and effective procedures to evaluate the competitive effects of a merger. Credit Philosophy ; Policy with regards to Punjab National Bank An ideal advance is the one given to a reliable customer for an approval purpose with adequate experience, safe in knowledge that the money will be used to advantage and repayment will be made within a reasonable period from trade receipts or known maturities due on or about given dates. Credit philosophy – “To achieve credit expansion required for sustaining the profitability of the bank and emphasis on quality assets, profitable relationships and prudent growth. ” CREDIT POLICY Bank follows following broad policy imperatives:- Reduction in dependence upon short term corporate loans, especially unsecured exposures. * Aiming to achieve more sanctions at levels closer to the customer. * Changing the mix of the portfolio in favour of better diffused and higher yielding credit. * Building competencies in credit management through training ; promotion of self directed learning. Objectives of credit policy 1. A balanced growth of credit portfolio, which does not compromise safety. 2. Adoption of a forward looking and market responsive approach for moving into profitable new areas on lending which emerge, within the pre determined exposure ceilings. 3. Sound risk management practices to identify measure, monitor and control risks. 4.
Maximize interest yields from credit portfolio through a judicious management of varying spreads of loan assets based upon their size, credit rating and tenure. 5. Leverage on strong relationships with existing long-standing clients to source a bulk of new business by addressing their requirements comprehensively. 6. Ensure due compliance of various regulatory norms including CAR, income recognition and asset classification 7. Accomplish balanced development of credit to various sectors and geographical regions. 8. Achieve growth of credit to priority sectors / subsectors and continue to surpass the targets stipulated by reserve bank of India. 9.
Using of pricing as a tool of competitive advantage ensuring however that earnings are protected. 10. Develop and maintain enhanced competencies in credit management at all levels through a combination of training initiatives, promotion of self directed learning and dissemination of best practices. Objectives in Credit To maintain healthy balance between- * Credit volumes * Earnings * Asset quality within the framework of regulatory prescriptions, corporate goals and bank’s social responsibilities. Introduction to loans Loans are advances for fixed amounts repayable on demand or in instalment. They are normally made in lump sums and interest is paid on the entire amount.
The borrower cannot draw funds beyond the amount sanctioned. A key function of the Bank is deploying funds for income-yielding assets. A major part of Bank’s assets are the loans and advances portfolio and investments in approved securities. Loans ; Advances refer to long-term and short-term credit facilities to various types of borrowers and non-fund facilities like Bank Guarantees, Letters of Credit, Letters of Solvency etc. Bill facilities represent structured commitments which are negotiable claims having a market by way of negotiable instruments. Thus, Banks extend credit facilities by way of fund-based long-term and short-term loans and advances as also by way of non-fund facilities.
Loans/Advances Classification of Loans Loans/Advances Pre-shipment Finance Post shipment Finance Letter of Credit Bank Guarantee Term Loan Export Finance Bill Discounting Cash Credit Retail Loan Non-Fund Based Fund Based Fund Based Bank provides credit in various forms. These are broadly classified into two categories- Fund based and Non –Fund Based. Fund based refers to the type of credit where cash is directly involved i. e. where bank provides money to the seeker in anticipation of getting it back. Where as in a Non-fund Based, Bank doesn’t pay cash directly but gives assurance or takes guarantee on behalf of its customer to pay if they fail to do so.
In case on Fund Based there are different categories of loans which are discussed as follows I. RETAIL LOANS- Retail banking in India is not a new phenomenon. It has always been prevalent in India in various forms. For the last few years it has become synonymous with mainstream banking for many banks. The typical products offered in the Indian retail banking segment are:- * Housing loans * Consumer loans for purchase of durables * Auto loans * Educational loans * Credit Cost. * Personal loans Retail loan is the practice of loaning money to individuals rather than institutions. Retail lending is done by banks, credit unions, and savings and loan associations.
These institutions make loans for automobile purchases, home purchases, medical care, home repair, vacations, and other consumer uses. Retail lending has taken a prominent role in the lending activities of banks, as the availability of credit and the number of products offered for retail lending have grown. The amounts loaned through retail lending are usually smaller than those loaned to businesses. Retail lending may take the form of instalment loans, which must be paid off little by little over the course of years, or non-instalment loans, which are paid off in one lump sum. These loans are marketed under attractive brand names to differentiate the products offered by different banks.
As the Report on Trend and Progress of India, 2007-08 has shown that the loan values of these retail lending typically range between Rs. 20, 000 to Rs. 100 lakh. The loans are generally for duration of five to seven years with housing loans granted for a longer duration of 15 years. Credit card is another rapidly growing sub-segment of this product group. In recent past retail lending has turned out to be a key profit driver for banks with retail portfolio. The overall impairment of the retail loan portfolio worked out much less then the Gross NPA ratio for the entire loan portfolio. Within the retail segment, the housing loans had the least gross asset impairment.
In fact, retailing make ample business sense in the banking sector. Basic reasons that have contributed to the retail growth in India are- * First, economic prosperity and the consequent increase in purchasing power has given a fillip to a consumer boom. Note that during the 10 years after 1992, India’s economy grew at an average rate of 6. 8 percent and continues to grow at the almost the same rate – not many countries in the world match this performance. * Second, changing consumer demographics indicate vast potential for growth in consumption both qualitatively and quantitatively. India is one of the countries having highest proportion (70%) of the population below 35 years of age (young population).
The BRIC report of the Goldman-Sachs, which predicted a bright future for Brazil, Russia, India and China, mentioned Indian demographic advantage as an important positive factor for India. * Third, technological factors played a major role. Convenience banking in the form of debit cards, internet and phone-banking, anywhere and anytime banking has attracted many new customers into the banking field. Technological innovations relating to increasing use of credit / debit cards, ATMs, direct debits and phone banking has contributed to the growth of retail banking in India. * Fourth, the Treasury income of the banks, which had strengthened the bottom lines of banks for the past few years, has been on the decline during the last two years. In such a scenario, retail business provides a good vehicle of profit maximisation.
Considering the fact that retail’s share in impaired assets is far lower than the overall bank loans and advances, retail loans have put comparatively less provisioning burden on banks apart from diversifying their income streams. * Fifth, decline in interest rates have also contributed to the growth of retail credit by generating the demand for such credit. According to K V Kamath, the changing demographic profile and a downward trend of the interest rates will propel retail credit in India. “There is a huge retail credit opportunity that is surfacing. Banks have low penetration in this segment currently. But it is the one area that is providing the momentum in the banking business now,” India has among the lowest penetration of retail loans in Asia.
Though the sector has been growing at around 15 per cent, there is still a huge opportunity to tap into. Middle and -high-income homes in India has increased to 2. 57 crore (25. 7 million). Interest rates on retail loans have been dropping rapidly too. For instance residential mortgages slumped by 7 per cent over the last four years. “The entry of a number of banks in India in the last few years has helped provide increased coverage and a number of new products in the market,” says Kamath. II. WORKING CAPITAL / CASH CREDIT Cash credit is a short-term cash loan to a company. A bank provides this type of funding, but only after the required security is given to secure the loan.
Once a security for repayment has been given, the business that receives the loan can continuously draw from the bank up to a certain specified amount. The bank provides certain amount to the company for its day to day working keeping certain margin in hand. III. TERM LOANS A bank loan to a company, with a fixed maturity and often featuring amortization of principal. If this loan is in the form of a line of credit, the funds are drawn down shortly after the agreement is signed. Otherwise, the borrower usually uses the funds from the loan soon after they become available. Bank term loans are very a common kind of lending. Term loans are the basic vanilla commercial loan. They typically carry fixed interest rates, and monthly or quarterly repayment schedules and include a set maturity date.
Bankers tend to classify term loans into two categories: * Intermediate-term loans: Usually running less than three years, these loans are generally repaid in monthly instalments (sometimes with balloon payments) from a business’s cash flow. According to the American Bankers Association, repayment is often tied directly to the useful life of the asset being financed. * Long-term loans: These loans are commonly set for more than three years. Most are between three and 10 years, and some run for as long as 20 years. Long-term loans are collateralized by a business’s assets and typically require quarterly or monthly payments derived from profits or cash flow. These loans usually carry wording that limits the amount of additional financial commitments the business may take on including other debts but also dividends or principals’ salaries), and they sometimes require that a certain amount of profit be set-aside to repay the loan. Appropriate For: Established small businesses that can leverage sound financial statements and substantial down payments to minimize monthly payments and total loan costs. Repayment is typically linked in some way to the item financed. Term loans require collateral and a relatively rigorous approval process but can help reduce risk by minimizing costs. Before deciding to finance equipment, borrowers should be sure they can they make full use of ownership-related benefits, such as depreciation, and should compare the cost with that leasing. Supply: Abundant but highly differentiated.
The degree of financial strength required to receive loan approval can vary tremendously from bank to bank, depending on the level of risk the bank is willing to take on. IV. BILL DISCOUNTING While discounting a bill, the Bank buys the bill (i. e. Bill of Exchange or Promissory Note) before it is due and credits the value of the bill after a discount charge to the customer’s account. The transaction is practically an advance against the security of the bill and the discount represents the interest on the advance from the date of purchase of the bill until it is due for payment. Bills of exchange- A bill of exchange or “draft” is a written order by the drawer to the drawee to pay money to the payee.
A common type of bill of exchange is the cheque (check in American English), defined as a bill of exchange drawn on a banker and payable on demand. Bills of exchange are used primarily in international trade, and are written orders by one person to his bank to pay the bearer a specific sum on a specific date. Prior to the advent of paper currency, bills of exchange were a common means of exchange. They are not used as often today. A bill of exchange is an unconditional order in writing addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at fixed or determinable future time a sum certain in money to order or to bearer.
It is essentially an order made by one person to another to pay money to a third person. A bill of exchange requires in its inception three parties–the drawer, the drawee, and the payee. The person who draws the bill is called the drawer. He gives the order to pay money to third party. The party upon whom the bill is drawn id called the drawee. He is the person to whom the bill is addressed and who is ordered to pay. He becomes an acceptor when he indicates his willingness to pay the bill. The party in whose favor the bill is drawn or is payable is called the payee. Promissory Note- A promissory note is a written promise by the maker to pay money to the payee.
Bank note is frequently transferred as a promissory note, a promissory note made by a bank and payable to bearer on demand. A maker of a promissory note promises to unconditionally pay the payee (beneficiary) a specific amount on a specified date. A promissory note is an unconditional promise to pay a specific amount to bearer or to the order of a named person, on demand or on a specified date. A negotiable promissory note is unconditional promise in writing made by one person to another, signed by the maker, engaging to pay on demand, or at fixed or determinable future time, sum certain in money to order or to bearer V. EXPORT FINANCE- This type of a credit facility is provided to exporters who export their goods to different places.
It is divided into two parts- pre-shipment finance and post-shipment finance. * Pre Shipment Finance is issued by a financial institution when the seller want the payment of the goods before shipment. * Post Shipment Finance is a kind of loan provided by a financial institution to an exporter or seller against a shipment that has already been made. This type of export finance is granted from the date of extending the credit after shipment of the goods to the realization date of the exporter proceeds. Exporters don’t wait for the importer to deposit the funds. Non Fund Based loans generate income for the bank without committing the funds of the bank. Bank generates substantial income under this head.
Credit Appraisal Process. (2016, Nov 21). Retrieved April 20, 2019, from https://phdessay.com/credit-appraisal-process/.
|
{
"timestamp": "2019-04-21T20:09:30",
"url": "https://phdessay.com/credit-appraisal-process/",
"language": "en",
"source": "c4"
}
|
Let us promote your website on all major Malaysian Search Engines!
In order to be featured on Malaysian search engines, it is necessary that your website is localized in Malay, either partially or entirely. Malay website localization refers to the process of translating your current website into Malay, conducting Malay keyword analyses, implementing Malay SEO, and integrating the localized Malaysian pages onto your website so that you can have eligibility to rank on Malay search engines.
Our work speaks for itself! Our clients rank on the first page of Malaysian search engines with their industry’s most competitive keywords. Let us show you how Malay website localization can position your website on Malay search engines!
Contract our Malaysian experts to create an entry page, multiple pages, or a full-website translation in Malay for your website optimized with your Malay keywords/meta tags. As a multilingual SEO company, our primary focus is to deliver culturally and semantically accurate translations while aiming to maximize organic-rankings of targeted foreign-keywords.
In Malaysia, contrary to general belief, the official language is not “Malaysian” but rather “Malay” or “Bahasa Melayu” (the official language of Malaysia).
Although there are small regional search engines/directories in English about Malaysia, such portals are insignificant since they are only geared to tourists visiting Malaysia. There is only one search engine in Bahasa Melayu :Google!
Get a quote to localize your website into Malay today!
|
{
"timestamp": "2019-04-19T23:12:12",
"url": "https://www.mseo.com/project/malay-seo/",
"language": "en",
"source": "c4"
}
|
Kym Marsh proudly shows off son David’s epic weight loss in a gushing post this weekend.
The Coronation Street star took to Instagram she share how proud she was of her 24 year old son David.
The 42-year-old recently announced that she was quitting Coronation Street after 13 years on the ITV soap. Kym has played Michelle Connor on the cobbles since 2006.
"It's been an incredibly difficult decision but it feels like the right time," she told The Sun.
According to Mirror UK, Corrie boss Iain MacLeod was reportedly desperate to keep her, and executive producer John Whiston said they were "very sad" to see her leave.
Explaining the reason behind her exit, Kym said: "When I was lucky enough to be offered four episodes on Coronation Street I could never in my wildest dreams have thought I'd be here thirteen years later."
"It's been an incredibly difficult decision but it feels like the right time for me to take a break from the show and explore some other roles."
Executive producer of the show John Whiston added: "Kym has done a fantastic job on the show as Michelle Connor, bringing incredible heart and humanity to some hugely important stories."
"We will be really sad to lose her when she goes but totally understand that, after dedicating herself to the show for so long and so brilliantly, she now fancies trying something else for a while."
|
{
"timestamp": "2019-04-23T06:14:16",
"url": "https://www.rsvplive.ie/news/celebs/kym-marsh-proudly-shows-son-14219050",
"language": "en",
"source": "c4"
}
|
above two sets of QoS procedures and the associated QoS parameters.
7222 to enable implementation of end-to-end QoS.
the MAG is located at the AP / Wireless LAN Controller (WLC).
Figure 1 below provides an overview of the entities and protocols.
implementations may have the AP and MAG in the same network node.
control and data planes are separate.
parameters between them are outlined below.
or by the end user.
PMIPv6 QoS have no equivalent in IEEE 802.11.
mapping as shown in Table 3.
TSPECs for both uplink and downlink may contain Peak Data Rate.
includes the transport of the IP packet and header.
desktop PC, an access point, or a Wi-Fi phone .
Units) that belong to a particular TS (Traffic Stream) .
provisioning is described in Sections 3 and 4.
Admission Control based on a set of features in IEEE 802.11.
in IEEE 802.11, WMM, and WMM-AC.
set up QoS in both these cases are described in this section.
Case 2 (MAG-Initiated QoS Service Request) in Section 3.1 of .
signaling and setup procedures (e.g., SIP ).
derive flow-specific attributes like Traffic Selector in PMIPv6.
Application Layer Gateway (ALG) or Deep Packet Inspection (DPI).
TCLAS is derived, the reservation applies to all flows of the MN.
Parameter mapping in this case is shown in Table 2.
Table 1. TSPEC parameter mapping is shown in Table 4.
parameters is shown in Table 4.
the flow for which the QoS reservations are made.
send a PBU to the LMA with Operational Code set to DE-ALLOCATE.
identification in TSPEC, and ResultCode set to SUCCESS.
The AP polices these flows according to the QoS provisioning.
repeat this sequence if the application can adapt.
Figure 3, the MN initiates the release of QoS resources.
Request to the AP with TS (Traffic Stream) INFO.
responds to the MN with a DELTS response.
and PMIPv6 QoS parameters from TSPEC.
with the same access category as indicated in the DELTS Request.
the DELTS Response (step 2).
(such as described in Section 3.1) are handled asynchronously.
network and QoS resources between the MAG and LMA.
TCLAS can provide information about the traffic stream.
network initiates the release of QoS resources.
QoS resources in the network.
to DE-ALLOCATE. No additional LMA QoS parameters are sent.
Operational Code set to RESPONSE.
Request with TS INFO identifying the reservation.
(4) The MN sends DELTS Response confirming release.
frames associated with an MN's MAC address.
apply at a per-session level.
identified by an IP 5-tuple.
DSCP for use in IEEE 802.11 TSPEC and PMIPv6 QoS (Traffic Class).
Mapping of QCI to DSCP uses the tables in .
configured QoS policy values for the MN.
and AC_BK should not be used in reservations.
PMIPv6 QoS are shown in Table 4.
Bit-Rate and Guaranteed-UL-Bit-Rate in PMIPv6 QoS .
IEEE 802.11 TSPEC requests do not require all fields to be completed.
segment between MAG and LMA.
acceptable GBR and MBR, respectively, in PMIPv6 QoS.
QoS mapping functionality should be considered in actual deployments.
Liebsch, M., Seite, P., Yokota, H., Korhonen, J., and S.
Krishnan, S., Gundavelli, S., Liebsch, M., Yokota, H., and J.
Layer (PHY) Specifications", IEEE Standard 802.11.
Robust Audio Video Streaming", IEEE 802.11aa.
perform application-level signaling and setup.
(1) The policy server sends a QoS reservation request to the LMA.
the policy server for higher QoS for some of its flows.
The LMA reserves resources for the flow requested.
QOS_SERVICE_REQUEST and Acknowledgement Requested flag set to 1.
the Traffic Selector identifies the flow for QoS.
calculated separately from the non-reserved session bandwidth.
encoded as discussed in Section 3.2.2.
polices flows based on the new QoS.
802.11 and 3GPP radio networks.
|
{
"timestamp": "2019-04-22T20:37:16",
"url": "http://www.faqs.org/rfcs/rfc7561.html",
"language": "en",
"source": "c4"
}
|
First of all, before I get to the main point, let me establish one simple thing. Real men don’t put their hands on women uninvited, period. Societies have developed over time (some faster than others) laws, traditions, customs and mores to protect women and children from attack by predatory males. These are based on both physical and psychological differences between men and women. One category of these, is appropriate attire for the situation. And before anyone goes there, No; “She was asking for it,” is never an excuse.
|
{
"timestamp": "2019-04-19T00:24:06",
"url": "https://www.redstate.com/darth641/2019/02/12/unintended-consequences/",
"language": "en",
"source": "c4"
}
|
Today we’ll talk about this herb called Rosemary.
We use rosemary in our daily life a lot. Not only does it have a wonderful taste and aroma, but also a wealth of beneficial health effects if regularly added to our diet.The scientific name of this perennial woody herb is Rosmarinus officinalis.Similar to many other useful herbs, rosemary is in the same taxonomic family as mint, but doesn’t have that characteristic flavor.It has a warmer, bitter, and more astringent taste that gives wonderful flavors to soups, sauces, stews, and stuffing.According to myth, the Virgin Mary is said to have spread her blue cloak over a white-blossomed rosemary bush when she was resting, and the flowers turned blue.The shrub then became known as the “Rose of Mary” Rosemary was considered sacred to ancient Egyptians, Romans, and Greeks.I think you will be surprised as we were to find out just how many benefits rosemary has. Here are some of them.
|
{
"timestamp": "2019-04-18T14:33:43",
"url": "https://sharonchy.com/2017/11/02/rosemary/",
"language": "en",
"source": "c4"
}
|
Lost Gods is the debut novel by Micah Yongo. It features a Brotherhood of assassins caught in an ancient and escalating battle between the Sovereignty and the Fellowship of Truths. It is an action packed epic fantasy filled with simple but beautiful imagery and language, diverse characters, African-tinged medievalism, mystery, intrigue, and wisdom that far exceeds the expectations of a debut novel. It is also unabashedly the first in a series, so don’t expect anything even remotely resembling closure at its end, where it seems the story is just beginning. But with its many threaded plots and wide cast of motivated characters, Lost Gods should be right up the alley for lovers of Game of Thrones and Malazan.
The story follows several characters who barely even meet up by the novel’s end. Nevertheless, their individual threads are interesting and revealing, though shrouded in a mystery they don’t understand. Perhaps foremost among the cast is Neythan, a young assassin of the Brotherhood, presumably in his late teens, who is aided on his quest for truth by a mentor, Caleb. Like all members of the brotherhood, Neythan has knife-fighting, stealth, and acrobatic skills. Neythan and his fellow assassin, Arianna, are accused of killing their brother assassin, Yannick, and are hunted by the Brotherhood. Two more of their brethren, twin brothers Josef and Daneel are charged with assassinating a local governor, Hassan, though they do not know why. Hassan’s wife, Yasmin, becomes an important thread in the story as she tries to protect their child and figure out, like the reader will, what the hell is going on. Meanwhile, the young Sharif Sidon, king of the entire region, is about to be wed to the mysterious daughter of an ally he’s never met, which will end the regency of his powerful mother, the Sharifa Clarisse. As if this weren’t enough, the Sharifa’s steward, Elias, is more than he seems and is definitely up to something. In addition to this main cast are various fantastical elements — Watchers, Elders, hidden ancient magic, and the promise of Beasts – that add a supernatural element to the story. It’s enough to challenge even the most focused of readers to keep it all together, but much is revealed toward the end to tie these disparate stories together and prepare the reader for volumes to come.
Not only will lovers of plot complexity enjoy Lost Gods, but Yongo imbues the story with delightful sensory and figurative language that sets this novel head and shoulders above more run-of-the-mill storytelling. When Neythan enters a vortex beneath a waterfall, Yongo writes, “[I]t took a moment for him to realize the ground had become a metallic and silky plane, undulating slowly like a half frozen sea. The ripples seemed to move across both it and the sky as one, as though they were somehow joined, their pulses spreading from some hidden point on the horizon.” Not only is it a captivating image typical of Yongo’s highly engaging writing, but it also captures the ‘sense of wonder’ that is integral to speculative fiction. Throughout Lost Gods the sights, sounds, smells, and tactile images are created with style and depth. And Yongo harbors no fear of figurative turn the tongue; he describes a minstrel: “a small bird-boned man with narrow wrists and nimble fingers that danced over the strings like a scrambling crab…” Yongo’s dialogue is equally well wrought, entertaining, witty, and displays a knowledge of fighting and weaponry, here describing a friendly argument between Neythan and Arianna about which assassin is more skilled.
All of the main characters, and some of the minor ones, carry on equally fun and characteristic banter throughout the novel, which provides effective character differentiation as well as varied entertainment. No, it’s not perfect: There are occasional and thankfully rare moments of lumbering syntax, obvious alliteration, and an info-dump here and there, but overall the language works wonderfully throughout the novel.
Yongo also expertly uses dialogue to carry the thematic content of the novel, presenting thought-provoking questions without slowing the narrative. For example, Neythan believes in the power of the Gods, but Caleb holds a more existentialist worldview, insisting, “There is no order. No great law to it all, no perfect, pleasing way from which things have fallen. There are only men and women, with their greed and their pain and their pleasures . . .” Similarly, Caleb reflects on feeling that most of us here at Grimdark Magazine consider to be part of what we call grimdark: “There is no right. No law. Man is without reason, save for whatever reason serves his belly and that fog, and the desires that lie beneath it.” Nevertheless, the idea of what’s morally right becomes central to another assassin, Daneel, as he finds he must try to account with his intuition versus his duty. Finally, Caleb espouses a view that is common to much great grimdark, especially the six novels of Abercrombie’s First Law ‘trilogy’, when he says, “Vengeance, Neythan. Only vengeance. That is all the world is.” It’s a remarkable sequence of disparate worldviews, laid plain by simple and deep dialogue. Yongo’s characters likewise discuss loyalty, truth, family, and other emotionally important issues with seriousness and candour while avoiding sappy sentimentalism, making for an enjoyable, meaningful read.
Yes, Lost Gods appears to be the beginning of an epic fantasy, but this should not deter fans of grimdark. There are definitely some important characteristics of grimdark at play here, especially the morally grey quagmire the assassins find themselves in and the no-good-choice decisions they are forced to make, as well as the complicated conflicts that several other characters, especially Yasmin and Sidon, must confront. It all makes for a fun, engaging, intelligent, and complex read, even if it is only the beginning. Highly recommended.
Lost Gods was published in the US by Angry Robot on 3 July 2018.
|
{
"timestamp": "2019-04-23T06:36:04",
"url": "https://www.grimdarkmagazine.com/review-lost-gods-by-micah-yongo/",
"language": "en",
"source": "c4"
}
|
The family home of outspoken Parkland shooting survivor David Hogg was the target of a “swatting” hoax this morning when a caller falsely claimed the address was the site of a hostage situation.
Emergency services responded to the call and found there was no hostage situation, a local ABC affiliate reports. Several sheriff’s office units and a police helicopter were also reportedly sent to the scene. Hogg was in Washington, DC at the time to accept the RFK Human Rights award.
Named for the SWAT teams or similar emergency units that respond to such fake tips, swattings have become a mainstay of online feuds. Placing such a call can carry a felony charge for the caller, and for targets, these incidents have been deadly in the past.
|
{
"timestamp": "2019-04-26T04:49:48",
"url": "https://gizmodo.com/home-of-parkland-survivor-and-activist-david-hogg-swatt-1826567344",
"language": "en",
"source": "c4"
}
|
The Royal Dockyards were Britain's oldest state enterprise and biggest and most complex industrial unit. This book shows how the Admiralty over two centuries struggled to master the intractable problems of organization and management which the dockyards presented. Haas maintains that the dockyards portrayed an image of being inefficient, high-cost producers. These problems were chiefly extreme centralization but, paradoxically, weak control, inadequate coordination of departments, and accounting procedures, unreliable information about production, costs and material, an insufficiently educated and professionalized constructive corps, and an underpaid and slack workforce. Contents: Preface; Introduction; The Eighteenth Century: Running in Place; Tinkering with the System, 1793-1815; Lightening Ship, 1815-1834; Winds of Change, 1834-1854; Under Seige, 1854-1868; Revolution and Counterrevolution, 1868-1885; The Watershed, 1885-1900; A New Century and New Ideas, 1900-1914; Conclusion; Notes; Bibliography; Index.
J.M. Haas is Professor of History at Southern Illinois University-Edwardsville.
|
{
"timestamp": "2019-04-25T09:52:30",
"url": "https://www.whsmith.co.uk/products/a-management-odyssey-the-royal-dockyards-1714-1914/9780819194619",
"language": "en",
"source": "c4"
}
|
These wall pocket baskets look great next to the front door or in that awkward corner you've been wondering how to decorate. The versatile baskets can be used for storage and organization in the kitchen, laundry room, or patio. The galvanized metal has a country rustic charm perfect for primitive or shabby chic decor. Measures 14.5"H x 5.5"L x 3.5"W and 21.5"H x 6"L x 4"W.
curtains Paris Decor,Doodles Illustration of Eiffel Tower Hearts Chandelier Flower Love Valentines Vintage,Beige Pink,Treatments Thermal Insulated Light Blocking Drapes Back for Bedroom 120"x96"
NUOMANAN backout Curtains for Bedroom Grunge,Classic Chandelier in a Dark Gothic Wooden Room Vintage Style Room Picture,Grey and Yellow,Pocket Thermal Insulated Tie Up Curtain 52"x96"
NUOMANAN Thermal Insulated Blackout Curtain Princess,Interior of The Ballroom Magic Castle Chandelier Ceiling Columns Kingdom Print,Rose Peach,Blackout Draperies for Bedroom Living Room 54"x84"
|
{
"timestamp": "2019-04-25T13:07:49",
"url": "http://shopioguru.com/americana-rustic-chandelier.html",
"language": "en",
"source": "c4"
}
|
ICICI Direct recommended hold rating on Bajaj Electricals with a target price of Rs 470 in its research report dated February 08, 2019.
Bajaj Electricals recorded strong to pline growth of ~89% YoY in Q3FY19 led by ~157% YoY growth in engineering & project (E&P) division due to fast execution of EPC orders from Uttar Pradesh. Consumer durable (CD), which includes appliances and lighting business grew ~27% YoY led by ~40% YoY growth in appliances category. However, lighting segment sales were muted owing to continued pricing pressure in the LED segment. Within the appliances category, Morphy Richards recorded ~33% YoY EBITDA margins slightly increased 24 bps YoY to 6.4% during Q3FY19. EBIT margin of CD business increased 75 bps YoY to 7.3% led by higher operating leverage while EBIT margin of E&P segment recorded a marginal decline of 25 bps YoY at 5.6% owing to higher raw material cost. Despite higher interest cost (increase in debt level resulted in ~2x jump in interest outgo), the company recorded PAT growth of ~74% YoY in Q3FY19 We introduce FY21E estimates with revenue CAGR of ~14% in FY18-21E led by CD revenue CAGR of 17%.
We believe Bajaj being a strong brand in the consumer product category would gain market share from unorganised players post implementation of GST with increase in dealer network, resulting in segment revenue CAGR of ~17% in FY18-21E. However, the future outlook of E&P segment remained cloudy over cost escalation and delay in payment post elections, which may drag operating margins of the segment. This, along with rising working capital debt level, would keep the profitability of the segment under check. We introduce FY21E estimate with revenue, earning CAGR of 14%, 45%, respectively. We roll over our valuation on FY21E and cut target price to Rs 470/share with a HOLD rating.
|
{
"timestamp": "2019-04-24T20:51:02",
"url": "https://www.moneycontrol.com/news/business/stocks/hold-bajaj-electricals-target-of-rs-470-icici-direct-3513981.html",
"language": "en",
"source": "c4"
}
|
Choosing the right campsite is one of the key things that ensure you have a good camping trip. You have to ensure that you take your time and look into different campsites so as to ensure that you choose the best. Choosing one in a hurry could lead to you making the wrong choice, which could cause a lot of problems during your trip. You should first define what you want from a site before you embark on your search. There are very many campsites from which campers get to choose from and it is important to have guidelines to help in making the right choice. In this article, we look at tips for choosing the right campsites. You’ll want to be familiar with campsites in france options.
Firstly, ensure that you consider the size of a campsite before you settle on it. Campsites tend to vary in size and you should choose one depending on your camping set up. If you are camping with a lot of tents and other equipment such as tables, you need to look for a large camping site. This is especially so if you are paying for your site because you will be required to pay for a second site if you encroach on it. Your gear should fit in your designated camping area without obscuring other campers or making movement difficult. If you plan on starting a camping fire, you need to go for sites with large spaces so as to ensure that the fire you start is not too close to your tent or equipment to avoid damaging them.
Secondly, ensure that you consider level. You should not choose a campsite with a slope or one that is hilly because it is going to be difficult for you to settle down. Sleeping with your legs higher than your head is dangerous and this is why it is vital that you find a site that is flat. It will also make setting up your equipment easier because you will not have to worry about things sliding down. Make sure to check www.campsited.com/blog/a-guide-on-the-new-way-of-french-camping/ for info.
|
{
"timestamp": "2019-04-20T09:29:15",
"url": "http://publish.lycos.com/nicecampsitebookingservices/2018/11/05/finding-the-right-campsites/",
"language": "en",
"source": "c4"
}
|
If you’re serious about fishing, come aboard the “Hot” Diggity Dog and enjoy a fully customizable Marathon Deep Sea Fishing charter. Enjoy your ride out to the fishing grounds onboard our luxurious 52′ Ocean Yacht Sport Vessel.
Inside our fishing boat you’ll enjoy a comfortable full size cabin, featuring ice cold air conditioning and state-of-the-art electronics that help Captain Jim Purcell find the big ones.
Our Marathon fishing charters target deep sea fish like dolphin, tuna, sailfish and marlin, and our wreck fishing charters focus on hard-fighting fish like grouper, snapper, tripletail, and amberjack. Strap yourself into the fighting chair and get ready for the fight of your life by putting our more than 40 years of charter fishing experience to work for you and your party.
If you have a larger group, give us a call so we can accommodate your specific needs. Marathon fishing is world famous for a reason. Find out why when you visit the Florida Keys by spending the day with Captain Jim Purcell, Offshore and Deep Sea Fishing Specialist for the popular television shows “The American Outdoorsman,” “Manny Fernandez’s Rod & Gun Club,” and” Adventures in Paradise.
If you’re serious about fishing, then you’ve probably heard all about the incredible angling opportunities that abound in Marathon. We embark on our Marathon fishing charters near the center of the world famous Seven Mile Bridge. Our destination depends on the time of year and the kind of fishing you and your party want to engage in.
Our Marathon deep sea fishing trips focus on the deep blue waters of the Gulf Stream, where waters as deep as 2,000 feet are home to hard-fighting tuna, lightning-fast dolphin, torpedo-shaped wahoo, and leaping sailfish. We can also focus on the many wrecks around Marathon that hold big bottom fish like grouper, snapper, cobia, and amberjack. The fishing is often so good in our area, it’s hard to decide exactly what you want to target, but sometimes the weather and season helps us narrow down the options.
The Hot Diggity Dog is not your ordinary fishing boat. Our vessel offers a level of comfort that appeals to anglers with the most discerning tastes, and who understand that a fishing trip should be enjoyable even when you’re not reeling in fish.
Jim Purcell is the Captain of the Hot Diggity Dog, and his family has been living and fishing in the Florida Keys since the 1950’s when Jim’s father, Web, captained their first vessel, The Virgalona. Captain Jim is a USCG 100 Ton Licensed Master Captain, so you know you’re in good hands when you step aboard his vessel.
The Hot Diggity Dog is the envy of the entire Marathon fishing fleet, and with good reason. One of the first things our charter fishing guests notice is the fighting chair. It’s the dream of every angler to strap in and fight the big ones, so you can probably already imagine what it’s like to take your turn in the chair and put your fishing skill and agility to the ultimate test.
The spacious deck offers plenty of room for every angler, even when we face multiple hookups or are casting toward schooling fish. Our full size outriggers help to keep our lines from tangling, and a large live-well makes sure every bait is spry and ready to do its job.
The Florida heat is a concern for many of our guests, and it’s a legitimate one. Even in the “cooler” months, temperatures can soar into the 90s, and when you’ve been in a prolonged fight with a determined tuna, it’s nice to know you can step inside our full-sized cabin and chill your bones with ice cold air conditioning.
The cabin of our Marathon fishing boat also boasts a spacious communal area, not unlike your living room. You can kick back and relax with a cold one while Captain Jim works hard to find the fish. Our full galley puts food and beverages at your fingertips, so you don’t have to worry about running low on fuel when a big sailfish makes its third long run.
Every facet of your Marathon fishing charter should be enjoyable, and the 52′ Ocean Yacht Sport we call the Hot Diggity Dog will not disappoint.
Fishing success often comes down the gear and equipment used in pursuit of fish. Cutting corners on gear often ends up in a cut line, which is why we use only the best fishing equipment on all of our charters.
In the Keys, you can’t beat live bait, so we make sure to have a fully stocked live well when targeting the fish that like them. We use Penn reels, which are still the industry standard for fishing the corrosive Gulf waters. We provide deep drop electronic reels when fishing deep, so that you can save your strength for the fish instead of getting sore from checking your bait.
All of Captain Jim’s electronics are modern and well maintained. Not only do we have top-quality fishing electronics, but we maintain the best radio and GPS systems to ensure your safety on the water at all times. If any emergency arises, the boat is equipped with all of the necessary first aid and emergency gear required to keep everyone on board safe and secure.
Every Marathon fishing charter includes a qualified, hard-working deck hand, who will offer advice when needed, keep the bait on your hooks, and help you land anything that is destined for the grill back at your Marathon hotel.
Marathon, Florida is situated in the middle of the Keys. The city is on a collection of keys that include Boot Key, Long Point Key, Fat Deer Key, Knight’s Key, Crawl Key, and Grassy Key Islands. With a population a little over 10,000, Marathon is a little bigger than many people realize, but it still has the same small town charm it did many years ago.
Best of all, the fishing in Marathon is considered to be some of the best in world. The sheer variety of fishing possibilities is staggering, and it’s possible to target inshore and offshore fish in a single day.
Marathon got its name when workers on the Florida East Coast Railroad worked long hours to complete the railway. Some of those workers described the seemingly never ending project as a “marathon,” and the name was eventually used for the local railroad station.
Marathon’s climate is tropical, which means it is often hot. While the cool breezed from the ocean offer a welcome respite, the summer months can still be quite challenging for folks with thicker blood. Air conditioning is a must when staying at a hotel in Marathon, so it makes sense to fish from a boat that also has air conditioning.
Sport fishing and other water sports like snorkeling and diving drive the local Marathon economy. Marathon deep sea fishing is popular with locals and tourists alike, but nature enthusiasts of all sorts also flock to the area to see rare birds, porpoises, and even the occasional whale. There are numerous seafood restaurants offering local fishing fare in Marathon, which underscores the vitality of the local fishing grounds.
In an effort to whet your appetite for what to expect on your fishing charter, we offer the following information about some of our more popular local game fish. Remember, we can customize a Marathon fishing trip around your specific needs, so if you’ve always dreamed of catching a particular fish give us a call and get more information about the best time of year to make your dream a reality.
Dolphin – Depending on where you’re from, you may call the dolphinfish mahi-mahi or dorado. No matter what you call them, these are some of the most sought after fish around Marathon, and with good reason. Dolphin hit hard and fight even harder. They are fast growing fish, highly sustainable, and one of the best eating fish in the ocean. Big dolphin are a challenge for even the most seasoned angler, and when we get into a school of fish the action can be non-stop.
Tuna – There are multiple varieties of tuna in the waters around Marathon. They are all fast and aggressive, especially when schooling. Small tuna fight hard and can put a serious bend in your rod. Big tuna will put a serious bend in your back, so if we get into big ones we will strap you into the fighting chair and find out if you have what it takes to get them to the boat.
Wahoo – Wahoo are one of the fastest fish in the ocean, topping out at speeds of over 60 miles per hour. We often encounter these torpedo-shaped fish on our Marathon deep sea fishing charters in the Gulf Stream.
Sailfish – For sheer excitement, it’s hard to beat sailfish. It’s not uncommon to catch multiple sailfish on a single outing, and few fish offer a better photo opportunity for your Facebook profile. Sailfish are fast, make strong determined runs, and can leap from the water in an aerial display that put most other fish to shame.
Marlin – These are the big daddy’s that are synonymous with Hemmingway and all other great fishing stories. Fighting a marlin is one of the great angling experiences, so if catching one is important to you, then it’s vital to plan a charter around the times of year when marlin fishing is at its best.
There are a number of other incredible fish species we target on our Marathon fishing charters, including tripletail, cobia, swordfish, grouper, amberjack, and snapper, just to name a few. Let us know what most interests you and your party so that we can customize a charter that seeks to achieve your personal angling goals.
If you have a larger group, give us a call so that we can arrange a Marathon charter that meets your needs. Whether you’re on a business retreat or vacationing with friends and family, the Hot Diggity Dog offers unmatched offshore angling excitement.
Schedule your Marathon deep sea fishing trip with us today.
|
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MPs rally outside Parliament ahead of a crucial amendment on the Brexit bill.
Labour, Green, Lib Dem and SNP MPs rally outside Parliament ahead of crucial amendment 7 vote.
MPs will vote whether Parliament should get a meaningful vote on any final Brexit deal.
LONDON - MPs from across the Commons rallied outside Westminster on Wednesday morning ahead of a key vote on whether Parliament should be given a meaningful vote on a final Brexit deal.
MPs will vote tonight on an amendment to the EU (Withdrawal) Bill which seeks to give Parliament the power to either approve or reject any Brexit deal reached between British and EU negotiators before exit day in March 2019.
Labour's Chuka Umunna, Green Party co-leader Caroline Lucas, Liberal Democrat Tom Brake and the SNP's Stephen Gethins joined campaigners from anti-hard Brexit group Open Britain in a demonstration outside Parliament.
"What the Brexiters are worried about is that Parliament's going to have its say," Brake told Business Insider.
"They have wanted from the beginning to railroad it through. That's why, for instance, they've objected to the Article 50 bill. They're not interested in parliamentary scrutiny, they want to just ram this through, get it done.
"But actually, Parliament must be central to this. This is the single biggest change the United Kingdom will have made if we proceed with Brexit. "That's why Parliament has got to be at the centre of it."
Brexit Secretary David Davis has attempted to head off a Conservative rebellion by assuring them that UK government will not use the so-called "Henry III powers" until the Commons has voted in favour of the final Brexit deal.
Dominic Grieve, the Tory MP who tabled the amendment, said Davis' offer did not meet the demands of MPs.
"The government needs to listen to what's being said to them," he told Sky News.
"And at the moment, unfortunately, my impression of the last few days, when I've been talking to the government, is that it seems to be a bit of a dialogue of the deaf."
Green co-leader Lucas urged Conservative MPs not to back down.
"A meaningful vote in Parliament on this issue is what people are calling for," she told BI.
"Meaningful basically means that there is still time to go back and negotiate something better, not that you're told this is a "take it or leave it'."
"I think unfortunately the government producing a written statement at the 11th hour when they've been able to consider Dominic Grieve's amendments for weeks and weeks and weeks doesn't do it for me," Brake added.
"I don't think they're genuine, they have consistently tried to block Parliament from being fully engaged in this process.
"All members of parliament who believe in parliamentary sovereignty have got to vote for Amendment 7 tonight."
|
{
"timestamp": "2019-04-26T14:20:32",
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You're cordially invited to the opening of 2018 Treasure Hill Season 3 Residency Artists Exhibition on August 24th.
The residency artists Jan LÜTJOHANN & Henna JULA , Patrik THOMAS, Fabian SAUL (editor-in-chief of Flaneur Magazine), KIM Soonim, Hiram Wong will have a casual opening party at each of their exhibition venue.
You can find more information about time and venue below. We look forward to seeing you at the opening!
● 開幕 Opening／請參考附件 Please refer to the attachment.
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{
"timestamp": "2019-04-23T08:07:31",
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By our baptism we are called to make manifest God’s love in the world. No greater opportunity exists than in the parish outreach programs to serve the poor in our midst.
Through the Legacy of Hope campaign we will create a $2 million endowment dedicated to localized social and charitable outreach.Each year this new fund will make grants available to parishes in order to assist them in the creation or expansion of localized outreach ministry programs.
This campaign is a great opportunity to strengthen the ability of parishes to offer hope in our neighborhoods through such charitable outreach.
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{
"timestamp": "2019-04-21T17:08:26",
"url": "https://legacyofhope.worcesterdiocese.org/parish-based-evangelization",
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Message on front of card.
Message on inside of card.
50 card minimum, sold in sets of 25.
Custom Return Label, enter design number and address as you'd like it listed.
Card proofs are generated within a week of your submission. If your info is incomplete it will add additional time to your proof while we gather more details from you. Cards will be ready within 1-2 weeks of your proof approval.
With modern styling old these labels wrap around the left front, side and back of envelope and are coordinated with graphics from your card.
Use a full frame image and jazz up your cards with graphic text overlays. Select below to see samples of overlay options.
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{
"timestamp": "2019-04-19T00:29:52",
"url": "https://campbellsalgado.com/cards",
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Our client is seeking a General Manager to manage one of their Franchised Automotive Dealerships in the Harlow area. This is an exciting opportunity for a highly credible, proactive, driven and experienced Head of Business, with strong leadership skills, to strategically take this business into the future.
An experienced Head of Business / Dealer Principal in a Franchised Dealership, or a General Sales Manager who has had Site Responsibility and looking for the next challenge.
Strong leadership, motivational skills and the ability to implement the strategic plan and vision of the business and the Brand.
Develop and monitor the business plan for all areas of the dealership in order to meet business objectives, targets, profit margins and market share.
Motivate your team to deliver exceptional levels of customer satisfaction to meet customer and Brand requirements.
Formulate and agree marketing strategies to promote brand awareness and business performance.
Control cash flow, stocks, and asset management. Monitor KPIs on a daily, weekly, monthly and quarterly basis.
Report frequently to senior management within the company and attend meetings to discuss KPIs of the business and agree actions to ensure business objectives are met.
Liaise on a regular basis with Franchise representatives to promote excellent business relationships.
Oversee the recruitment, training, and development of all staff, but in particular reviewing and coaching managers to maximise their performance potential.
Ensuring the policies, procedures and financial controls of both the Brand and the Company are monitored, reviewed and adhered to on a regular basis.
An awareness of legislation that affects the Motor Industry.
|
{
"timestamp": "2019-04-21T12:24:52",
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The University of Colorado Denver is now accepting applications for the Allied Health Professionals (AHP) Track of the Master of Science in Palliative Care (MSPC) and the Interprofessional Certificate in Palliative Care.
The MSPC AHP Track prepares social workers, spiritual care providers, psychologists, therapists, counselors and ethicists to be Palliative Care Community Specialists (PCCSs) who offer high quality palliative care to patients and families with serious and life-limiting illness. Allied health students engage with biomedical students (physicians, nurses, physician assistants, and pharmacists) in the majority of program coursework, reflecting the way PCCSs work on interdisciplinary teams in diverse palliative care contexts. The interprofessional faculty team also represents expertise across biomedical and allied health disciplines. In addition to the shared core curriculum, the AHP Track provides specialized content in psycho-social-spiritual-ethical dimensions of palliative care. The MSPC program (36 credit hours) and the Interprofessional Certificate (12 credit hours) are offered in a hybrid learning format, utilizing interactive online instruction. Three, 3-day weekend intensives on the Anschutz Medical Campus (Denver CO) are scheduled across the 24-month MSPC program to further enhance learning.
Meaning-Centered Psychotherapy (MCP): a novel intervention for cancer patients developed by investigators at MSK, has been demonstrated to be very effective in randomized controlled trials in group and individual formats.
Target Audience: This two-day intensive course is designed for psychosocial care providers working in cancer or palliative care settings, particularly psychologists, psychiatrists, social workers and other mental health providers.
Course Design: This training program will teach clinicians the techniques, concepts, and delivery of MCP utilizing a combination of didactics, experiential exercises, and role-plays with actors to gain proficiency in MCP. There will be opportunities for follow-up training and case consultations. Treatment manuals will be provided.
Learning Objectives: Attendees will gain competency in delivering a brief structured, didactic and experiential intervention for cancer patients aimed at sustaining or enhancing a sense of meaning in the face of illness.
Program Information: This is a R25 NCI funded 5 year training program. Training sessions will be offered several times per year. Applications will be reviewed on a rolling basis. Participants will receive a small travel stipend.
MSK designates this live activity for 13 AMA PRA Category 1 Credits.
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{
"timestamp": "2019-04-21T22:09:55",
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August was a fun month. Although it was awesome to have family with us for the majority of the summer, August was the month that we finally were able to slow down and just relax. Here are a few stories from our final month of summer vacation.
This past month both kids took a gymnastics class. It stretched them both in different ways. Lila was excited to go every week and was such an amazingly good sport and participant. The exercises were hard for her, but she tried everything without complaint. Logan was a total natural. Handstand. Boom. Forward roll. Boom. But he had anxiety about going and often would not want to try a new skill. Ultimately the class was a win and I was very proud of both of them. It's amazing how different two kids can be, even while being cut from the same cloth and raised in exactly the same way.
This image pretty much wraps this summer up in a nutshell. Dirty toes with grass poking in between. It was a summer of adventure and outdoors. Of fun. Of freedom. The summer of the stomp rocket. The summer of the scooter. The summer of the front yard. When I look at those little dirty toes, I will always remember you at age three. A daredevil. A love. A silly goose. I will remember how much you made me smile this summer, how many hugs you gave me, what a lovely companion you were on the porch every night.
We went to IKEA one day for a very special outing: to pick up a new bunkbed for the two of you! It was a rainy day - perfect for running around a store like IKEA. I didn't expect you to enjoy shopping as much as you did, but the two of you were actually quite taken with IKEA! You jumped on beds, tried out new chairs, played with the toys. And we rewarded you with a soft serve at the end of it all for being good! Now you ask pretty frequently if we can go back. The birth of a perfect indoor activity! In other news, the bunkbed is a hit!
This photo makes me happy. This photo is YOU. YOU at five. Missing your first two teeth, laughing, joyful, silly. Wearing one of your favorite dresses. Sun shining through your hair. I feel your energy, your love of life. When you are happy, you light up my life, sweet girl. Nothing is brighter than you.
Hands down, this summer was The Summer of the Stomp Rocket. Full disclosure: our stomp rocket was bought as a gift for another kid. But then end of the school year germs set in and you guys were unable to attend the birthday party. So we kept the stomp rocket. And thank goodness we did! The hours of fun this simple toy gave us were magic. It got all of us outside every night and it was an activity that we all enjoyed. We made targets. We tried to see how high we could get the rockets to fly. We tried to get them to soar over the trees and into the neighbor's yard. What fun we had! With the fall breezes picking up, the rockets have now been packed away until next summer. I am already missing them.
In August, we finally packed up the crib for good. We bought you and Lila a bunkbed. The day before disassembly began, I took the opportunity to take some photos of you in there. I even let you eat your waffle in there. Breakfast in bed. You are the last baby who will sleep in this crib in this house. The crib that was your daddy's. I will always hold memories of the crib days close to my heart. Even the sleepless nights. Those months when you and Lila were so tiny. My first months as a mom. Even though it is bittersweet to say goodbye to those baby days, it also feels like a graduation of sorts. We made it. We did it. We fumbled through.
We all went up to Copake one weekend in August to celebrate Joe's 50th birthday. We go to Copake a lot, but this was the first time that we stayed up there with extended family. It was so fun to see the cousins hanging out all weekend - the cousins from both generations! We ate and drank and hiked up to Bash Bish. I hope you will tuck the memories of the weekend away and recall them fondly when you are grown. And know that you always have been surrounded with such love. You don't get to pick your family, so you are both pretty lucky to have landed in this one. I know I thank my lucky stars everyday.
There was a solar eclipse in August. It was kind of a big deal. Everyone bought special glasses to look at it...except for us. We went to the lake that day and I didn't tell you about the eclipse because I didn't want you looking at the sun without the glasses. It turns out that it didn't matter. Whatever was going on in the sky did not eclipse the fun you had that day with your Nana. Swimming for hours. Pouring water on her head. Laughing. Building sandcastles. She even convinced Logan to go in the water. Sometimes the little wonders in life are what bring the most joy.
We first met the Capaldis when Lila was two. TWO! Logan was just a few months old and Gavin was just a twinkle in his daddy's eye. Watching all of you grow together has become such a joy for me. I look forward to years and years of get-togethers. So grateful for our wonderful friends.
|
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Guess who loves getting mail? This girl! Combine it with one of the most exciting times in my life—being pregnant—and we’re having a great day! We all know that being pregnant definitely has its ups and downs, so having a big box full of goodies from Bump Boxes show up on your doorstep, just for YOU, can feel like a really big happy deal!
Yes, yes, the baby is getting new clothes, swaddles, essentials, and gear—and trust me, I find that very exciting—but sometimes it’s nice to get things that cater to you, Mom. Each Bump Box features a curated collection of full-sized bath, beauty, home, maternity, gourmet food products and more that are catered to your stage of pregnancy. Did you catch that? Full sized products! No tiny samples here!
Weeding through beauty, health and home products while pregnant can get confusing and downright difficult. It seems the list of what to avoid grows every single day, and it (along with growing this baby!) wears me out! Knowing that Christine Deehring, the founder of Bump Boxes, has already vetted each and every product to ensure its safety for pregnancy is one less thing that I have to do.
Plus, how fun is it to discover new brands and products? My Bump Box came stocked with some full-sized beauty brands that got sent straight into my daily routine, a few good-for-me snacks that I wasted no time sampling, home cleaning products that I feel 100% comfortable using, and even a full-sized swaddle for my baby.
Bump Boxes are changing all the time based on Christine’s newest product and brand finds, so you know you’re always getting to try out the latest brands. When you sign up for a subscription service, you’ll be receiving products that are tailored for your stage in pregnancy. At 8 months pregnant, mine was perfectly picked for extreme nesting and energy building!
Use code PN40 for 40% off of your first Bump Boxes in a monthly subscription. You’ll love getting pampered with safe, new products for mom and baby! To see what was in my Bump Boxes, head to our Instagram TV!
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"timestamp": "2019-04-21T16:31:04",
"url": "https://projectnursery.com/2018/09/see-whats-in-my-bump-box/",
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Our savory butter set is perfect for any dish: from toast to veggies to meats this set has you covered. New to compound butters? Start here and we promise you mind will be blown!
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{
"timestamp": "2019-04-26T03:49:23",
"url": "https://cascobaycreamery.com/collections/savory-butters/products/savory-butter-set",
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Resurrection of the Fonz? "Happy Days" takes to the musical stage. Plus: Christina Aguilera to show more skin, Bill Gates on "Frasier," Gandolfini's donut and more.
This week hear all about the resurrection of the Fonz, as "Happy Days" takes to the musical stage. Plus: Christina Aguilera wants to show more skin, Bill Gates on "Frasier," Gandolfini's donut and more.
|
{
"timestamp": "2019-04-25T14:03:36",
"url": "https://www.salon.com/2001/10/25/reiter_42/",
"language": "en",
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Compare the LG 237C and Pantech Marauder below. We pit the LG 237C vs Pantech Marauder so that you can see which device matches your needs. Compare specs, features, reviews, pricing, manufacturer, display, color, camera, battery life, plans available, and more to see which is better for you.
|
{
"timestamp": "2019-04-22T07:20:56",
"url": "https://www.wirefly.com/compare/pantech-marauder-vs-lg-237c",
"language": "en",
"source": "c4"
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|
You may be specifically looking for a Christian divorce lawyer in Clovis, California. For many, divorce is a very sensitive subject that needs to be handled by a lawyer with a similar outlook and perspective as them. It makes no sense to hire a lawyer who doesn't understand your aims and values in a divorce setting.
Christian divorce attorneys can assist you with your family law concerns in Clovis, California. California laws on divorce may be drastically different from the laws in other jurisdictions. Specifically, issues such as no-fault divorce and property distribution are markedly different in each region. Thus, it's essential that you locate a Christian divorce lawyer who is knowledgeable of the laws in your area.
Divorce laws in Clovis can sometimes be complex. A qualified Christian divorce lawyer in Clovis, California can provide you with important legal advice to help you during your challenging circumstances, without compromising your beliefs and values. For example, it's helpful to understand some "Do's and Don'ts" when undergoing the divorce process. A5=DO: Be considerate and respectful of the other party. The divorce process will be more efficient and will run much more smoothly if you can communicate effectively with the other partner. Also, failing to disclose information when requested will only make things more difficult for the court.
How Can a Clovis Christian Divorce Lawyer Help?
LegalMatch has knowledgeable Clovis Christian divorce lawyers available to ensure that you are matched with only the most experienced, qualified lawyer for your case. If you need immediate legal assistance, post your case through LegalMatch today to get matched with a Clovis, California Christian attorney.
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{
"timestamp": "2019-04-24T02:59:33",
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Search For "Building & Construction" Companies in Aurora, Colorado - Click Here Now!
Garage Door Service, Installation And Repair. Located In Aurora. We Service Denver And The Surrounding Areas.
Doors-2-Fix Garage Door Service And Repair in Aurora is a company that specializes in Special Trade Contractors, Nec. Our records show it was established in Colorado.
|
{
"timestamp": "2019-04-23T17:52:46",
"url": "http://www.salespider.com/b-381699483/doors2fix-garage-door-service-and-repair",
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I've been living most of my years with my long straingt black hair and have always wondered how I'd look like with a really short cut. I can still recall the first and last time I've had a level-to-my-ear hairstyle. At age four, I've tried that. Whenever I stare at those childhood photos of mine, my comments have always been, "Cute!" and then I give myself a deep sigh. How I wish I could stay cute forever.
Anyhoo, Googling around, I've come across several virtual hairstyle websites. Eager to see myself with my childhood cut one more time, I've uploaded a close-up pic taken from summer of 2010 and searched through the many styles available. Finally, I've found what I've been looking for. I've saved the photo on my lappy and there it goes... the photo to your left it is!
Oh. I don't know. These do doesn't fit a 32-year-old me anymore. They're right. There are things in life that are only intended for kids!
Gotta go now friends! Need to do some shopping!
Tag you here Blogger Award.
Ui! Thank you so much Liezl for the tag! Will check it out in awhile. Hugs!
Take care Cacai! See you around!
I say, you stay with your pretty hair, Mon although I bet you'll surely stay pretty with this short do.
|
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If you're looking for fishing in Sutton then Waterside Lodge are well equipped for the task. Our fully equipped family sized lodges offer a comfortable luxurious stay for a fantastic price, giving you beautiful views of the lakes and the surrounding countryside. Offering luxurious self-catering holidays in our fully featured Scandinavian holiday lodges. Perfectly located to explore the beaches, coastline. All of our lodges are sized for 6 people and are furnished to the highest standards to ensure you have a stay like no other. At Waterside Lodge the stay itself is only half of the package, Waterside lodge is situated closely to the Heritage Coast which makes our lodges the perfect stay for anyone wanting to get away and have a relaxing countryside break from the city. Whilst you stay with us be sure to take advantage of all the activities Waterside Lodge has to offer. Such as the use of our on-site fishing lakes for the keen fisherman, free internet access, outside relaxation areas, comfortable lounges and much more.
Looking for fishing in Sutton has just become a lot easier. Our Lodges have fantastic, spacious master bedrooms which include a new king sized bed where you can lie down in comfort and enjoy the beautiful views. The comfortable lounges are equipped with 2 sofas, 37” flat screen colour TV with Freeview and digital recorder, DVD player and CD/Digital radio with direct access through patio doors onto wrapped decking which overlooks extensive rear grounds. Outside of Waterside Lodge, the surrounding areas has a lot to offer. As we are set off the coast, we have the pleasure of living in one of the nicest areas of countryside in the UK, everything you would want when you are looking for fishing in Sutton. Barnstable and Bideford are only a short distance away and are great local towns to explore and visit where you will be greeted with friendly locals and quirky shops.
If you are a keen fisherman then Waterside Lodge is the one for you. There is exclusive access to fresh water fishing stations. The 2 fishing lakes are plentifully stocked. The top lake with Carp (to 26lb), Rudd, Bream and Tench. Bottom lake with Carp (to 10lb) and Rudd. So if our first class service, attractions, and superb facilities have everything you desire for fishing in Sutton please contact us on 07850 590990 or 01327 705010 or email info@waterside-lodge.co.uk. We look forward to hearing from you soon.
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{
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I'm a consultant nephrologist and Clinical Director of the Nephrology Department at the Royal Liverpool University Hospital.
My special interests are investigation and management of Chronic Kidney Disease caused by diabetes, high blood pressure and other diseases. Conditions that I treat at Spire Liverpool Hospital are, Chronic Kidney Disease (CKD) caused by diabetes, high blood pressure, immunological conditions affecting kidneys like lupus. Investigation and management of early stages of Congenital kidney diseases.
Clinical Director and Consultant Nephrologist, Royal Liverpool University Hospital.
I love biking, if possible I cycle about 26 miles commuting to work. Follow international cricket with passion and I play cricket for the Oxton CC. I travel as much as possible and love to take photos during my travels.
|
{
"timestamp": "2019-04-26T16:19:59",
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ebookconcept5h6.tk - TEACHERS - Education resources, Teacher chat, lesson plans, teaching jobs. ebookconcept5h6.tk for the most active teacher chatboards & teacher chatrooms, featuring thousands of teaching jobs, over teacher mailrings and over teacher chatboards, and live teacher chat 24 hours a day. ebookconcept5h6.tk lesson bank offers over free lesson plan and curriculum and teacher . Learning A-Z's reading, writing, science, and vocabulary products for PreK-6 kids empower teachers to improve children's learning through an enlightened approach to literacy. Start your free trial today!
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{
"timestamp": "2019-04-25T10:54:43",
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I have failed in two subjects in first year because of some health issues. So i am in odd batch now.
Am i eligible for standard entrance exams like AIIMS, NIMHANS, PIGMER, etc?
As far as my info goes AIIMS and PGI Chandigarh and JIPMER Pondicherry changed the rules. Age and number of chances are not looked into for MS MD. ( different rules for superspeciality ).
For NIMHANS you need to double check as they do take into consideration the age. Best way is each time check directly once the prospectus is out.
U mean like people below a certain age r nly eligible or something lyk that?
I will be 24 years old when i complete my mbbs (including internship). So will i be eligible?
Nd my main concern is about my two failed subjects nd i passed them second time. Does that makes me in or out of these entrance exams?
Ya i will also be 24 year old when i am done with mbbs with internship.
There is no age criteria or number of attempts criteria for AIIMS and PGI chandigarh. The prospectus for both of these exams are out for November entrance exams. please download that and read. NIMHANS i am not sure.
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{
"timestamp": "2019-04-19T20:52:10",
"url": "http://www.rxpgonline.com/postt229368.html",
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Jetradar compares airfares from Berlin to Gibraltar with hundreds of airlines (including American Airlines, British Airways, Iberia) and dozens of online travel agencies in one single place. We provide you with all the options to find the cheapest flights to Gibraltar, you choose where to book. Also there you can find airlines special offers from Berlin to Gibraltar. The cheapest round-trip price found within the last week was C$399. The cheapest oneway price found within the last week was C$631.
The distance between Berlin and Gibraltar is 1454 miles (or 2340 kilometers).
There is no time difference between Berlin and Gibraltar. Check this again shortly before your flight.
The currency exchange rate between Berlin (BER) and Gibraltar (GIB) is 1 EUR = 0.8587 GIP.
|
{
"timestamp": "2019-04-25T10:43:04",
"url": "http://ca.jetradar.com/routes/ber/gib",
"language": "en",
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Heidi Hinder asks What If we made wearables for the finance world, and talks about her current work.
Heidi is the Craft + Technology resident at Bristol’s Pervasive Media Studio. Drawing on degree studies in Jewellery & Silversmithing, and a residency at the Royal Mint, Heidi’s research project Money No Object, explores concepts of value, and raises questions about the impact of digital technology on future payment methods.
|
{
"timestamp": "2019-04-25T20:11:05",
"url": "http://www.wearablefutures.co/videos/what-if-2/",
"language": "en",
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He sat across from me in my office, crying.
He had invested $400,000 into his new venture, and it wasn’t working. By the time he came to me to ask for advice, the only thing left to do was stop the bleeding and get out. What made this situation so much more painful was the fact that if this person had sought advice from someone sooner, he may have been able to turn the situation around, or at least cut his losses.
What Does Growing a Business Really Mean?
This is a question I posted recently on LinkedIn—and one I ask often when I’m speaking to audiences of businesspeople. And it always amazes me to see the diverse range of answers I get.
Most of my articles, as you’ve probably noticed, are geared toward business owners, managers, and entrepreneurs. But if you’re an employee at a company who wants to know how you can grow professionally, advance in your career, and boost earning potential, this one’s for you.
As the UX (user experience) strategist at Fowardslash, Sholom leads a team of researchers, web developers, copywriters, and designers to create conversion-focused, strategy-driven websites that result in optimal conversions for our clients. He’s also Chief of Making-It-Happen-in-the-Most-Efficent-Way-Possible and is always educating himself and the team on what’s next in the digital space.
I asked him if he’d share a taste of his vast web wisdom—and here’s what he had to say.
It’s 6:15. Your alarm clock goes off. But you have zero desire to hit snooze.
You are ready to tackle the day. Energized to unlock its opportunity and potential. When you sit down at your desk, you feel confident and hopeful. Unstoppable.
There’s a name for this experience. It’s called Momentum. Like rolling a boulder down a hill, beginnings are tough and slow, but once you start going down that slope, you can go faster and faster, progress becomes easier and easier, and it’s nearly impossible to stop.
Have you ever been on the verge of giving up? Have you ever hit a wall, looked in the mirror and thought, “I just can’t do this”? Have you ever experienced the pain of self-doubt, of believing with every fiber of your being that you simply don’t have what it takes to succeed?
It is a dark place to be. There is no doubt about that. And it’s in these moments where we can be our own worst enemy—where we can lose the will to keep going. And that would be a big mistake.
Why Isn’t My Salesperson Closing Enough Sales?
When is the last time you hired a salesperson that you think is absolutely perfect for the job, only to find out they can’t close a sale if their life depended on it?
If this has happened to you, you’re in good company.
For a long time, I wondered why this is such a common scenario—why is it that someone can seem like a great salesman, but when it comes down to it, they have a hard time gaining the full trust of clients?
There’s a knock at your office door.
OK. It’s just two minutes, you think.
How many of you fall for this on a daily basis?
Though the person doesn’t usually intend it as such, it’s a trap—and we know it. A second is never a just second. A minute is never just a minute. Even if it were, all those second and minute interruptions really add up … to more than you might think.
Have you ever met someone who always seems busy—but if you asked what they’ve accomplished in the last day, or the last week, they couldn’t give you a straight answer?
Maybe, if you’re being totally honest, this happens to you, too?
Let’s face it. Being truly productive in today’s business world is more difficult than ever. Yes, technology has made us much more efficient in many ways, but it also comes with great challenges: The constant bombardment of dings and notifications and emails and phone calls and texts can throw even the most type-A, goal-oriented businessperson out of focus.
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{
"timestamp": "2019-04-23T23:54:48",
"url": "https://ptexgroup.com/category/business/",
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Are you a practising artist looking for ways to develop your practice, meet like-minded individuals and contribute to a thriving art gallery? We are looking for new artists to become members of our Artist Network scheme. We currently have over 45 artists in the scheme and the next deadline for applications is June 15th. Developed to support and promote artists in the early stages of their career, it is open to anyone actively pursuing an artistic career and working in any medium of visual art.
The scheme is also a great way to meet our Academician body, to learn from their experience and gain professional advice, and is a great platform for anyone with Academician aspirations. This year too we hosted the first Artist Network Exhibition in our lower galleries which showcased works by over 25 artists and ran for 4 weeks between April and May.
Membership is for a minimum of 1 and maximum of 5 years.
Please email your artist CV, artist statement (no more than 300 words) and 5-10 images of your work (please include title, medium, size and date of works) to Jess Kirkby at admin@rwa.org.uk.
Submissions will be subject to selection by a group of Academicians with careers in painting, drawing, sculpture and printmaking.
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Shop aims to help VR enthusiasts explore and create VR content while connecting with other customers.
Viveport, an app store for virtual reality fans, is now a reality.
HTC, maker of the Vive virtual-reality headset, on Friday announced the launch of the app store, a one-stop shop for all things virtual reality where VR users can explore and create VR content while connecting with other customers. Viveport promises to showcase VR experiences across a variety of VR experiences, including art, design, education, music, sports, travel, and more.
The new portal underscores the tech community's growing interest in virtual reality, which promises to transport goggle-wearing users to a computer-generated 3D environment.
"We believe Viveport is the place where customers will start their journey into new virtual reality experiences," Rikard Steiber, president of Viveport, said in a statement.
One of the store's marquee features is Viveport Premieres, which consists of VR content launching first on Viveport. Among the content debuting on Friday are Everest VR, Stonehenge VR, The Music Room and an all-new edition of the Blu, among others.
In addition to Viveport Premieres, the store will also feature a Viveport Community where users can connect with VR influencers and other enthusiasts, as well as a Viveport Home, where users can create a customized personal space where users can watch streaming media with the new web browser widget.
As part of Viveport's launch, it is offering experiences for $1 each during its first 48 hours.
|
{
"timestamp": "2019-04-24T12:48:55",
"url": "https://www.cnet.com/news/viveport-vive-app-store-virtual-reality-vr-headset-htc/",
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Analyze eCommerce data with SQL, Python, and visualization tools to build reports that help you understand your store.
The integrated SQL editor, Python notebook, and report builder allow for seamless data exploration and analysis. Answer any question and quickly build reports to show results.
Build out analysis to keep track of everything, from forecasting your next collection to powerful inventory and supply chain management.
Connect your database and you're ready to go. Start delivering answers to your hardest questions in a fraction of the time it takes to implement a BI platform.
Shopify Plus is an eCommerce platform, optimized for high volume and lofty goals. Shopify Plus is built to seamlessly scale your business and Mode is here to help you make sense of it all.
Answer questions about customer engagement with your store.
What's the Lifetime Value of customer who makes a purchase on their first visit?
Which marketing channels are most effective and are we properly attributing traffic?
What is the average basket size of returning customers?
Plan ahead and never be surprised by a busy streak.
Understand trends around inventory and maintain an efficient stock.
Optimize big release timing based on fulfillment times, shipping, and buying trends.
Increase operational efficiency with an informed view of processes.
Connect your data, event tracking or other data sources to Mode and work in SQL or Python. Write, run and save queries that help you answer tough questions around customer experience, buying patterns and predictive analysis.
Powerful visualizations on top of your analysis that chart your store's course. Interactive reports allow you to explore data on the fly without having to write additional SQL.
Create on brand charts and reports that match your identity and easily share with anyone on your team. Looking to provide in app analytics? Reports are easy to embed in your Shopify Plus page.
|
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"url": "https://mode.com/shopify-plus/",
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At Family Dental Care, Dr. Sim offers numerous services to address your cosmetic and restorative dental needs. One of our main goals is to help each patient achieve a smile they can be proud to show off every day.
Looking to get rid of those fine lines and wrinkles? Unhappy with the extra fat underneath your chin? Look no further! Dr. Sim is trained in administering Botox Cosmetic, Juvéderm, and KYBELLA® making sure he can figure out the best treatment plan to fit your budget and your needs.
If your missing teeth or you smile isn’t as straight as you’d like, we’ve got you covered. Our offices offer restorative procedures from simple fillings and crowns, to dentures and dental implants. Our friendly staff if more than happy to help you figure out not only what your options are, but how long each treatment plan will take.
Dr. Sim and his staff take great pride in offering the best treatment plans to help you achieve your dental goals. We make sure to go over each option before you decide so that you have all the facts and can choose what is going to be right for you. Our staff is also always willing to answer any of your questions about your treatment plan.
Take a moment a look through our website. We have a page dedicated to each service, along with our most recent reviews and testimonials. Ready to schedule an appointment and see how we can help you? You can either call our office or fill out our online form. One of our friendly front-office team members will get back to shortly!
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Juicy Sundrops NEIPA - All-Grain Recipe Kit This isn't your Grandfather's IPA. This fruity, "juicy", hazy ale looks, smells, and tastes like straight up fruit juice. Bountiful citrus aroma & flavor cascade in every pint you pour. What are you waiting for? It's time to join the Haze Craze!
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{
"timestamp": "2019-04-23T22:54:30",
"url": "https://www.homebrewsupply.com/juicy-sundrops-neipa-all-grain-recipe-kit.html",
"language": "en",
"source": "c4"
}
|
School is a place of continuity, support, and opportunity for many students, particularly those who lack a stable home. Homelessness, at the same time, presents a profound barrier to educational attainment and success. Over the past year, the Public Justice Center has begun to break down this barrier in Baltimore City, partnering with City Schools and a coalition of service providers, advocates, families, and youth to develop strategies by which to better identify and serve homeless students. Moving forward, we will implement these strategies and explore additional ways to help young people overcome instability in their own lives and achieve their academic dreams.
Join us for a discussion around homelessness and mobility among Baltimore's student population. Share your thoughts on how to build on our progress to date and expand the resources available to homeless and highly mobile children and youth, both in the city and throughout the state.
|
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"timestamp": "2019-04-23T10:17:32",
"url": "http://www.publicjusticecenter.org/events/view/19",
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After a good performance against Watford but no points, here's to the same performance but 3 points tomorrow, after being overly optimistic with my Watford prediction I'm stil staying positive but goin for a 2-1 millers win, revel and frecks to bang them in!
In my opinion, this is two similar teams in terms of quality. Nailed on draw.
1-1 - Derbyshire, and I'd be happy with that.
Now I'm liking the positive vibes goin on here!
Thanks villa miller, Ill watch it again tomorrow morning, what ever the result,Im Hoping for a hard earned draw. (1-1) I must admit. I thought the Computer was playing up, all those years ago.!
If they have that same goalie and defence tomorrow then I'd fancy us for another half dozen.
Still finding our way, still got lessons to learn, don't think we're quite ready for an away win just yet. Pace sorely lacking that you need to counter attack properly.
I think it will be a tight 0-0 first half. I think we will play exactly like Watford.
vVery positive first half, fast, quick, exciting, pacey...all the positives we saw at the Watford game.
Second half is another story...I just dont know!
We will either defend too deep and concede like at watford, then lose confirdence and camp in the 18yeard box.
OR, if we have now learnt the pace and stamina of these Championship players, we may score a cheeky 1-0 winner.
Pay on the day now.
Change of tactics to a more attacking style and we will win 2-0.
I've been quietly confident about this one for a while. They do have a good squad though. Lots of familiars in there.
I don't think a draw would be a bad result but hopefully we can put in a good shift and take 3 points.
Millwall not lost in twelve I'm told,so a 1-0 Millers victory I think !
not got one right yet, so hopefully this one will be wrong.
To superstitious to predict score so I will have go at predicting the starting eleven.
Can't see many goals for us, so 0-0 0r 1-0 to Millwall.
|
{
"timestamp": "2019-04-21T20:50:33",
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The Annual Report Awards Competition is one of Sri Lanka's prestigious corporate events and has set an exceptional benchmark in promoting transparency and accountability among organisations in the country, thereby helping strengthen the nation's financial landscape. Over the past five decades, CA Sri Lanka has consistently raised the bar of this annual competition, while ensuring all companies in Sri Lanka adhere to the strictest of international standards.
This year the event celebrated its golden jubilee and created history after recording the highest number of registrations during its half a century long existence. The grand finale of the competition was held at Nelum Pokuna Mahinda RajapaksaTheatre on December 09, 2014 with the participation of 1000 guests, comprising of the country's corporate and government high-level officials.
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"timestamp": "2019-04-22T10:39:30",
"url": "http://vallibel-hydro.com/power-learning/vbl_power_erathna_annual_report_2014_was_adjudged_for_the_silver_award_in_arac_2014.php",
"language": "en",
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Features Spray Can Function in The Holder as a hands free shower head or can be removed for a handheld shower experience.
If you're interested in our bathroom lavatory single function handheld shower head set with hose and bracket modern round, chrome plated, welcome to place orders with our professional manufacturers and suppliers in China. For more details, welcome to consult with our factory.
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{
"timestamp": "2019-04-20T22:51:00",
"url": "http://m.shower-supplies.com/shower-sets/bathroom-lavatory-single-function-handheld.html",
"language": "en",
"source": "c4"
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It's pretty normal for coverage of foreigners, especially the "exotic" and "dark" kind, to treat them like weirdly inhuman aliens with their own bizarre customs that Merkins just can't understand. It's one thing - still bad - to cover people this way when they actually have some distinct customs. But sometimes... they're just like us! And that's still treated as something impossible to understand.
I can't find it now (google is basically useless for that type of thing these days) but back during the early days of our glorious adventure in Iraq, there was one particular story about how Arab men have this weird code of "honor" and because of that they tended to get upset when soldiers burst down their doors in the middle of the night and shoved their faces into the floor. Very humiliating, you see, because of this bizarre sense of "honor."
|
{
"timestamp": "2019-04-20T01:12:18",
"url": "https://www.eschatonblog.com/2018/06/inscrutable.html",
"language": "en",
"source": "c4"
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Jack Lantern is an online shooting game which you can play for free on Zyby. Jack Lantern is on the road to redemption to put an end to the evil he once served.
Categories: Shooting, Action, Zombie, Miniclip.
|
{
"timestamp": "2019-04-22T04:36:05",
"url": "http://www.zyby.com/game/156/jack-lantern",
"language": "en",
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The wonderful pics below, is segment of 2019 Toyota Innova Specifications Redesign, Price and Review content which is arranged within Uncategorized, and posted at January 13th, 2019 00:20:11 AM by admin.
Here is foremost info on . We have the finest resources for . Check it out for yourself! You can find The 2019 Toyota Innova Specifications Redesign guide and look the latest 2019 Toyota Innova Specifications Redesign, Price and Review in here.
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"timestamp": "2019-04-25T04:15:35",
"url": "http://carsgallery.info/2019-toyota-innova-specifications-redesign-price-and-review/the-2019-toyota-innova-specifications-redesign/",
"language": "en",
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LOSTANT — As the Lostant School Board plans ahead for the retirement of its dual-role principal and superintendent, the district might need to prepare for some changes.
The district has been considering the upcoming retirement of Sandra Malahy and the necessary replacement, talking about searching out a replacement for the same dual role, but concerns about changes within the school system and availability pool could necessitate alterations to the plan.
“Looking at the amount of jobs that are vacant in the state of Illinois for superintendents and principals, I’m not sure we’ll find anyone with much experience,” Malahy said.
It could become necessary that the district hire out the positions separately, with discussions taking into account the possibility of a full-time principal and an interim superintendent.
One culprit of the changing landscape is the increased responsibilities for the positions over the years, especially for superintendents.
“Ten, 20 years ago, superintendents were just school district managers. They just managed things,” Malahy said.
Expectations changed within the past 10 years, with superintendents taking a more hands-on role in the district, and now responsibilities seem to be changing again.
“Now it’s shifting more into the political arena,” Malahy said.
To compound the difficulties of filling the position, the role keeps opening up in more locations: “Every year, more and more superintendents are retiring,” she said.
While the district has some time before a replacement is needed, as Malahy expects to retire in a year and a half, it still needs to figure out how to proceed and give enough time for applications and the interview process.
In other news, because of the upcoming Thanksgiving holiday, Lostant’s school board meeting has been moved to Monday night. The levy information is to be presented at this meeting and then voted on the following month.
|
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"timestamp": "2019-04-23T00:50:31",
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Did you mean flights from New York City to Wroclaw?
We've scanned 48,195,047,545 round trip itineraries and found the cheapest flights to New York City. SAS & United frequently offer the best deals to New York City flights, or select your preferred carrier below to see the cheapest days to fly.
How Much is a Flight from Wroclaw to New York City?
We have collected flight cost data from across the web for travel from Wroclaw to New York City, and have found the average flight price for this trip to be PLN2,274.
Where To Buy Cheap Flights from Wroclaw to New York City?
The best way to find a great deal on airfare is to search multiple sites. When you run a search on FareCompare, we search multiple sites and fare sources all at once so you don't have to - which is why we think FareCompare is the best place to find cheap tickets. Airlines can adjust prices for tickets from Wroclaw to New York City based on the day and time that you decide to book your flight. We have collected data from all airlines, and have found that Tuesdays, Wednesdays, and Saturdays are often the best days to book flights. If you'd like to learn more, read our article about the best time to buy airline tickets.
How far in advance should I book tickets from Wroclaw to New York City?
The chart below shows up-to-date information regarding how far in advance to book your flight from Wroclaw to New York City.
We've examined 57,595,778,181 itinerary searches that we've seen for departures in the next 90 days and found that the cheapest day to fly from Wroclaw to New York City is Monday. See the chart below to compare prices for other days of the week.
Low priced flights are most commonly available by purchasing between one and three months in advance. International or holiday flights may need to be purchased even further in advance. The chart below shows the cheapest flight prices by month for Wroclaw to New York City flights.
Looking for cheap last minute flights or a weekend getaway? We've got you covered with weekend flight deals from Wroclaw to New York City. The chart below shows the best last minute deals and cheap flights this weekend we could find.
The average price for connecting flights from Wroclaw to New York City is PLN2,315.
The average price for direct flights from Wroclaw to New York City is not available.
We have found that there is often no price difference between buying a round trip flight versus a one way flight. Increased flexibility is the main benefit when it comes to buying a one way flight from Wroclaw to New York City. However, booking a round trip flight can be a simpler process. You can compare round trip and one way flights by using our flight comparison.
The average price for one way flights from Wroclaw to New York City is PLN2,060.
The average price for round trip flights from Wroclaw to New York City is PLN2,087.
Question: What are the most popular connecting cities when flying from Wroclaw to New York City?
Wondering which airlines fly out of Wroclaw to New York City? We've gathered the average price of Wroclaw airlines with flights to New York City. Different airlines offer different levels of comfort and service, so consider convenience when choosing your airline.
These are the major commercial airports we're currently monitoring in Wroclaw and New York City. If your route includes a city with multiple airports, you may be able to find substantial savings by choosing an alternate airport.
|
{
"timestamp": "2019-04-21T16:44:49",
"url": "https://www.farecompare.com/flights/Wroclaw-WRO/New_York-NYC/market.html",
"language": "en",
"source": "c4"
}
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On this glorious day in Vermont we find ourselves gazing at the flower gardens and glimpsing the baby goslings swimming in the pond beyond our gallery. We hope you are looking forward to the summer months as much as we are. Although we won’t be holding our annual Collectors’ Show this year, we do encourage you to visit our gallery here in East Barnard. Simply call or email Jeanne to schedule a visit.
|
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"timestamp": "2019-04-23T17:52:02",
"url": "https://www.sabrafield.com/no-collectors-show-this-summer/",
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"source": "c4"
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Just for you! Gamble Swing Chair with Stand signature design By Modway. Gamble Swing Chair with Stand very well made, sleek and simple. Complete your living room furniture with a modern Gamble Swing Chair with Stand. Its elegent sturdy, attractivce and it looks expensive and a good value for the money. Gamble Swing Chair with Stand is one of the most cushy, cozy, nice look and exotic Gamble Swing Chair with Stand especially for the price and made of fabulous products. Great quality, easy to assemble, delivery on time and in good condition. Gamble Swing Chair with Stand is good merchandise at fair prices and wonderful free shipping. Guarantee damaged claim by offering to send parts or to keep the item at a discounted price. Great buy would definitely recommend. Shop with our low-price guarantee and find great deals on Gamble Swing Chair with Stand and more!. Reading the reviews helped you purchase.
There are not that lots of people that also have a bar setup at home. For some, it could seem like something out of place or otherwise suitable as a living room but when done right it can genuinely add individually towards the inside of an condo or house. The very first thing that needs to be around the shopping list is some a variable club feces. They will prove their really worth when having someone more than or web hosting a little party. Barstool simply adds a special contact that transforms the room. Having flexible bar stools does bring in some advantages. The very first major in addition is that they take very little floor space. They are made to be small but comfortable sufficient. Talking about comfort and ease, bar stools are not too shabby. Even if they're little, they nevertheless provide good support. Some of them actually have a little bit of back again support and a soft cushioned surface. As for changes, most of them have a adjustable height. The most important aspect that makes a bar feces very easy to recognize is always that they swivel. A good stool was created in a way that it's hard to lower and comfy enough. The good news is that there is an abundance with regards to design diversity. There are many significantly flexible barstools to choose from but we'd to pick just 10. Only 10 of these were deemed purchase deserving because of their build quality, style and general utility. Here is what we assembled for our list of the advice for the top ten best adjustable barstools in 2018.
This extremely-stylish, higher-sovereign sofa is made to assistance reducing-advantage lounge development. It's produced as a 2-piece sofa sofa combined with a beautiful chair. Additionally, it provides cellular armrests and beneficial back assistance. The gorgeous tapestry is finished with darkish fake leather-based, firmly tufted. You can feel comfortable cushioning with foam within the seat soft cushions. This guarantees a fragile sensation when you relaxation after a monotonous day time. The couch is strengthened with wooden advantage covered with darkish artificial leather-based. Fake tufted leather-based and strong pinus radiata give severe glare. It is a fact that it takes another look because it is more costly than it really seems to be. Talking about size, its large! This is exactly what adds much more stars to this established. The peak is also impressive for tall and short individuals.
2.Roshan Indoor Rattan Patio Bar Stool By Ophelia & Co.
This ultra-stylish, high-sovereign couch is made to assistance reducing-advantage living room development. It's produced like a 2-piece sofa sofa combined with a beautiful chair. It also provides mobile arm rests and advantageous back assistance. The gorgeous tapestry is completed with dark false leather-based, securely tufted. You are able to feel at ease padding with froth within the seat soft cushions. This guarantees a fragile feeling whenever you relaxation following a monotonous day. The couch is reinforced with wooden edge engrossed in darkish artificial leather-based. Fake tufted leather and strong pine give severe glare. It is true that it requires another appear since it is more costly of computer really appears to be. Talking about dimension, its huge! This is exactly what provides more superstars to this set. The peak is also remarkable for high and short people.
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8.Nautical 24.5" Patio Bar Stool By POLYWOOD?
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{
"timestamp": "2019-04-21T14:39:47",
"url": "http://uibc3.com/Hammocks/gamble-swing-chair-with-stand-by-modway-b20190415114712pm-91.cfml?cgid=",
"language": "en",
"source": "c4"
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9 March-17 July. This exhibition examines the Italian border city of Trieste according to the works of Italian writer Claudio Magris.
Synonymous with some of the world's foremost writers and intellectuals, such as Italo Svevo, Umberto Saba, Rainer Maria Rilke, Scipio Slataper and James Joyce, Trieste has had a profound effect on Magris too and features prominently in his writings.
Address Centre de Cultura Contemporània de Barcelona, Montalegre 5, 08001 Barcelona, tel. +34933064100.
Centre de Cultura Contemporània de Barcelona, Montalegre 5, 08001 Barcelona, tel. +34933064100.
|
{
"timestamp": "2019-04-25T22:22:52",
"url": "https://www.wantedineurope.com/whatson/the-trieste-of-magris.html",
"language": "en",
"source": "c4"
}
|
Our expert developers perform optimization of your backup system and help your organization to get back your backup data.Backup Files are not fault tolerant and are very vulnerable of being corrupted by virus, or any unmanageable occurrence. Backup System users face very difficulty while accessing Backup files if they are corrupt. You can easily perform BKF Recover process by Backup Files Recover Software.
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|
{
"timestamp": "2019-04-20T22:10:52",
"url": "https://www.repairmsbackup.com/backup-files-recover",
"language": "en",
"source": "c4"
}
|
One of the most common knee injuries, especially in sports, is an anterior cruciate ligament sprain or tear.
Athletes who participate in high demanding sports like soccer, football, and basketball are most likely to injure the anterior cruciate ligaments. Knee ACL tear is also common in Golfers.
Recent studies have shown that young female athletes sustain more ACL injuries than young males. In fact, young women are two to eight times more likely than their male counterparts to injure that ligament.
Call us today at 1-888-434-6841and find out if these procedures are an option for you.
Taylor DW, Petrera M, Hendry M, Theodoropoulos JS. A systematic review of the use of platelet-rich plasma in sports medicine as a new treatment for tendon and ligament injuries. Clin J Sport Med. 2011 Jul;21(4):344-52.
Eagan MJ, Zuk PA, Zhao KW, et al. The suitability of human adipose-derived stem cells for the engineering of ligament tissue. J Tissue Eng Regen Med. 2011 Sep 22.
Dhinsa BS, Adesida AB. Current clinical therapies for cartilage repair, their limitation and the role of stem cells. Curr Stem Cell Res Ther. 2012 Mar;7(2):143-8.tissues: present developments towards successful clinical products. J Tissue Eng Regen Med. 2012 Apr 12.
|
{
"timestamp": "2019-04-18T11:19:37",
"url": "http://smartchoicestemcell.com/blog/2015/07/stem-cells-to-treat-your-acl-knee-injuries-without-surgery.aspx",
"language": "en",
"source": "c4"
}
|
Dr. Ganjoo is a psychiatrist practicing in Rockville, MD. She was educated at Agartala Government Medical College in 1980.
Dr. Zuzarte is a psychiatrist practicing in Towson, MD. He was educated at Karachi Medical and Dental College in 1989.
Dr. Szabo is a psychiatrist practicing in Towson, MD. She was educated at Pennsylvania State University College of Medicine in 1999.
Dr. Balu is a psychiatrist practicing in Baltimore, MD. She was educated at J.J.M. Medical College Mysore University in 1980.
Dr. Gordon is a psychiatrist practicing in Bethesda, MD. She was educated at Wayne State University School of Medicine in 1991.
Dr. Haracic is a psychiatrist practicing in Leonardtown, MD. He was educated at UNIV U SARAJEVU, MED FAK, SARAJEVO, YUGOSLAVIA in 1992.
Dr. Kutzer is a psychiatrist practicing in Towson, MD. He was educated at University of Maryland School of Medicine in 1975.
Dr. Maddineni is a psychiatrist practicing in Silver Spring, MD. He is a top match for schizoaffective disorder and 2 other conditions. He was educated at Mysore Medical College and Research Institute in 1994.
Dr. Warren is a psychiatrist practicing in Towson, MD. He was educated at University of Oxford Medical Sciences Division in 1980.
Dr. Mcdonald is a psychiatrist practicing in Glen Burnie, MD. He was educated at University of Arizona College of Medicine in 2000.
Dr. Sharma is a psychiatrist practicing in Towson, MD. She was educated at All India Institute of Medical Sciences, New Delhi in 1975.
Dr. Kandel is a psychiatrist practicing in Washington, DC. He was educated at Nepal Medical College in 2004.
Dr. Caraballo Osorio is a psychiatrist practicing in Baltimore, MD. She was educated at Universidad de Cartagena Facultad de Medicina in 2003.
Dr. Prasad is a psychiatrist practicing in Annandale, VA. He was educated at College of Human Medicine Benha University in 1984.
Dr. Kwon is a psychiatrist practicing in Ellicott City, MD. He was educated at Seoul National University College of Medicine in 1974.
Dr. Cravchik is a psychiatrist practicing in Ellicott City, MD. He was educated at Universidad de Buenos Aires Facultad de Medicina in 1988.
Dr. Nowrangi is a psychiatrist practicing in Towson, MD. He was educated at Loma Linda University School of Medicine in 2006.
|
{
"timestamp": "2019-04-25T02:44:28",
"url": "https://amino.com/schizoaffective-disorder/doctors/baltimore-area/",
"language": "en",
"source": "c4"
}
|
Full title reads: ""THE LEINSTER 200" - Keen struggle in the Motor Cycle Road Race over the Skerries Course."
Skerries Course, Southern Ireland, Eire.
Start of the Leinster 200 international motorcycle race. Various shots f the race - curvy road through the countryside and villages. Riders racing. People cheering. A man on the side of road waves he flag -the end of race. A man on his motorbike surrounded by crowds - the winner.
Note: There is no soundtrack for this item. Much of the paperwork is missing. I do not know the name of the winner.
Inter provincial rugby match between Leinster and Ulster played at Lansdowne Road.
Rugby match between Ulster and Leinster played in Dublin.
The Leinster 100 motorcycle race.
Footage of Parliament building, Leinster House, Dublin, Ireland.
C. W. Taylor wins the Leinster 100 motorcycle race in Ireland.
|
{
"timestamp": "2019-04-20T06:31:02",
"url": "https://britishpathe.com/video/the-leinster-200-1/query/wildcard",
"language": "en",
"source": "c4"
}
|
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{
"timestamp": "2019-04-22T02:12:36",
"url": "http://strangeparker.co/category/bedrooms/",
"language": "en",
"source": "c4"
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|
Centra 24/7 provides immediate access to a board-certified physician through a live video chat. Patients can connect using a free app from their phone, tablet, or computer 24 hours a day, 7 days a week, 365 days a year.
The doctors available on Centra 24/7 can diagnose and treat a wide range of non-emergency medical conditions and even send a prescription to a patient’s local pharmacy. Virtual visits aren’t meant to replace every trip to the doctor’s office, but may be a good option for some issues. Centra 24/7 can be used for symptoms and conditions such as: cold, cough, flu, sinus infections, sore throat, rash, pink eye, allergies, vomiting, diarrhea, fevers and headaches.
Centra 24/7 answers the communities’ call to access healthcare while matching convenience. This service will have an immediate effect by allowing our geographically distant patients to access care when they can’t make it to a practice location; giving them the ability to see a doctor from the comfort of their home, office, or wherever they may be. In the future, this service will also provide the opportunity for additional specialties to provide routine and follow-up care.
The cost of a visit is $49. Payment is made via credit card and insurance is not billed.
Enrollment: Download the free iOS or Android mobile app or visit www.Centra247.com to enroll in Centra 24/7. Enrollment usually takes between 2-3 minutes. For more information, visit: https://www.centrahealth.com/services/centra-24/7.
|
{
"timestamp": "2019-04-19T20:32:15",
"url": "https://www.americanwell.com/press-release/centra-launches-virtual-visits/",
"language": "en",
"source": "c4"
}
|
Global MLC Solid State Drive (SSD) Market Professional Survey Report 2018 tracks the major market events including product launches, technological developments, mergers & acquisitions, and the innovative business strategies opted by key market players. Along with strategically analyzing the key micro markets, the report also focuses on industry-specific drivers, restraints, opportunities and challenges in the Copper Strips market. This research report offers in-depth analysis of the market size (revenue), market share, major market segments, and different geographic regions, forecast for the next five years, key market players, and premium industry trends. It also focuses on the key drivers, restraints, opportunities and challenges.
For comprehensive understanding of market dynamics, the global MLC Solid State Drive (SSD) market is analyzed across key geographies namely North America, Europe, Asia Pacific, Latin America, Africa, and Middle East. Each of these regions is analyzed on basis of market findings across major countries in these regions for a macro-level understanding of the market.
Driven by various factors, such has globalization, commercialization and an upsurge in disposable income and trade, the MLC Solid State Drive (SSD) market is set to experience favorable growth. The growth of the MLC Solid State Drive (SSD) global market is expected to further accelerate with economic growth. Globalization has brought the world closer and acted as a catalyst for the growth of the shipping industry, which, in turn, is estimated to propel the ship spare and equipment global market over the forecast period. Diversification in the shipping industry with the advent of multilateral and multinational agreements to enhance the trading sector has resulted in the growth of MLC Solid State Drive (SSD) global market. Dispersed manufacturing is one of the prominent drivers driving the MLC Solid State Drive (SSD) global market. Increase in global demand for consumer goods and commoditie is also estimated to boost the MLC Solid State Drive (SSD) global market. However, uneven economic growth and fluctuating prices of raw materials may act as a restrain for the MLC Solid State Drive (SSD) global market.
There are 15 Chapters to deeply display the global MLC Solid State Drive (SSD) market.
Chapter 13, 14 and 15, to describe MLC Solid State Drive (SSD) sales channel, distributors, traders, dealers, Research Findings and Conclusion, appendix and data source.
|
{
"timestamp": "2019-04-22T16:15:10",
"url": "http://newzy.net/mlc-solid-state-drive-ssd-market-demand-overview-2018/",
"language": "en",
"source": "c4"
}
|
Some kind of Prison/World that hackers are sent to after they are banned. This place is accessible by legitimate players and they can leave as they want to and fly around the world. Hackers, however, cannot fly around (unless they have fly hack) and must stay in the world until they are unbanned or work off a punishment. This keeps players on Mineplex and gets rid of hackers. It's a Win-Win!
ireallylikerats and NothinButNet36 like this.
This literally copies -snip- (another server).
This literally copies Munchy MC (another server).
This isn't a copy. If so, Mineplex copied Bedwars from another server so why not this?
Still, I think this would be fit for this server.
I don’t. All of our hackers use alts anyways. We’re giving a bunch of hackers the option to (1) still play a game-like thing on mp, and (2) have an option to get unbanned and hack again. If you care enough (doubtful), appeal.
This is definitely an interesting idea but I have a question: what is the point/value added in having this "prison world"?
The reason why we ban hackers, as an example, is because they have violated our rules and we do not want them on our server in any capacity. To have a prison world where hackers would be sent defeats the purpose of the ban as they are still on the server in some capacity. By having this feature, I do not think it would deter people from using hacks if they know that they will just be sent to this world.
Overall I'm not a huge fan of the idea but nevertheless, I appreciate you taking the time to suggest it.
A “ban” usually means a disallowance to participate in or visit something. On Mineplex it’s no different. We ban hackers to get them off the server - if you break the rules in that way the punishment is that you aren’t allowed to be on the server at all. This wouldn’t be the most logical idea to implement, as it would essentially defeat the purpose of banning them.
Plus, I don’t really think it’s worth the time to implement. Mineplex has other things that it needs to worry about and although hackers are one of them, I don’t think that this idea is the best way to deal with it. We don’t want the server to be populated with hackers. Keeping them on the server isn’t the best approach.
I appreciate your idea, though, since you want to help improve the player count. It’s an interesting idea, I just don’t think that it’s worth it.
Interesting, but not something many people including I would really want or need.
But the creativity is sparkling.
I get and love the motivation to try and come up with ways to increase the player count. But if our way to do that is allow hackers on the server, it's just gonna be a -1 from me. Paving the way and making exceptions for hackers just isn't the way to go about it.
What we should be focusing on is how to increase player retention so players not only stay longer, but keep coming back.
and become worthy to ascend to Heaven.
Although it seems to me to be a really interesting idea, I am not sure about its applicability on Mineplex. As others already pointed out above, this "purgatory" already exists in other servers, tho these are smaller, which means easier to moderate. Moreover, it would require Devs to work for it, then yes, you are actually keeping players in-game, but is it worth server-resources?
I'm not completely negative about this idea... Maybe reworking it a little you can get something out of it.
I believe this has been suggested before and was rejected. The main reason is because we don't want to put in a lot of development for a system to accommodate for those who break the rules. If you choose to hack and ultimately get banned, then that's what you deserve. Personally, I don't think a "prison" system would be much punishment for a lot of players (mainly because I love prison game modes on other servers and would find it really fun) and they'd quickly work their ways back onto the server. I feel like someone could just come online, be banned by GWEN for hacking, go into the prison area and continue to hack, and just get right back on the server. I'm assuming the system you are suggesting would be automatic because it would be very hard to moderate otherwise. That wouldn't be fair to our players that do play fairly. Removing players from the server is the only way to stop an overload of hackers in my opinion. IP bans are already in the works for those that use excessive alts and I think that will be more effective than anything that we have done before.
|
{
"timestamp": "2019-04-21T14:08:29",
"url": "https://www.mineplex.com/threads/a-new-way-of-getting-more-players-and-keeping-hackers-out.25719/",
"language": "en",
"source": "c4"
}
|
Are there any plans to write an editor plugin for Spring WebFlow? To quote from the WebFlow site, "Spring Web Flow (SWF) is a core module of the Spring Framework focused on the definition and orchestration of page flow within a web application." (see http://opensource2.atlassian.com/confluence/spring/display/WEBFLOW/Home ). I've found WebFlow really excellent for defining complex page flows. It's based on XML configuration files; a graphical editor would make it so much easier to visualise the flows.
Eclipse already has a graphical editor for WebFlow (see http://springide.org/project/wiki/WebFlowEditor ).
It all looks very pretty but I always wonder how much things like this actually help our productivity... I mean, the non-technical manager or average coder loves things like this since it allows them to "see code", but I would think most experienced programmers have an innate ability to visualize flow without tools like this?
Hmm... should probably clarify. I've looked briefly at the Eclipse tool and it's kinda nice but to be honest I'm just not sure how much use I'd get out of it even if I did a lot of work with SWF (which I admittedly don't) and I was wondering if others would gain anything.
I agree with you to some extent; I've been using Web Flow for some time just by hand-editing the XML files in IDEA, whose syntax-checking and -autocompletion certainly helps. But a graphical editor, or at least viewer, would be nice.
Actually my main reason for asking for a graphical Web Flow editor, is to be able to convince the pointy-haired bosses that they should shell out $$ for IDEA rather than use Eclipse. They point to the "eye-candy" plugins that are available for Eclipse, such as the SpringIDE plugin (see http://springide.org/project/wiki/BeansGraph ). I've had an uphill battle promoting IDEA in my organisation because it doesn't have as many plugins as Eclipse.
Funnily enough your reply doesn't surprise me Rob. I think we all have similar problems when convincing "the suits" to shell out for IDEA. They hear "Eclipse this" and "NetBeans that" and its easy to buy into the hype since it's free, the multitude of pretty plugins make it even easier for them to believe it.
I think JetBrains "Companions Program" is a great idea and should help a lot, especially when they also start promoting some of the fantastic non-commercial plugins available since then our bosses will be able to see for themselves the depth of community IDEA really has.
Also, as some of us have been saying for a while, it would be great if Alex or somebody else on the marketing team could start putting together some "why IDEA" documentation or presentations we can download and use for that purpose.
The book "IntelliJ IDEA in Action" can't hurt when it finally gets released either since managers always like tools with published support. The JetBrainers blogs can't do any harm and it would also be nice to see onBoard Magazine resurrected somewhat since that's been stagnant for almost a year now.
There are lots of things that can be done to help us sell IDEA to "suits" without taking up valuable JetBrains developer time. That's not to say an SWF plugin wouldn't be a nice feature, just that there are also other less development-centric ways to help us get IDEA into our organizations.
Yep, I guess you're right. Still, I'd like to cast my vote for a "Spring Web Flow graphical editor" as the most useful feature on my plugin wishlist, in case someone at Jetbrains is looking for features to implement.
|
{
"timestamp": "2019-04-24T23:01:56",
"url": "https://intellij-support.jetbrains.com/hc/en-us/community/posts/206119589-Spring-WebFlow-plugin-for-IDEA",
"language": "en",
"source": "c4"
}
|
Black Swan is a movie that I would ordinarily not be interested in at all – I mean it’s about ballet – except for the involvement of one Mr. Darren Aronofsky. You see Aronofsky is really quite brilliant having given us the wonderful Requiem For A Dream, as well as last years The Wrestler.
Plus he cast Natalie Portman who has been remarkable in everything (save Star Wars) since her début in Léon. The story follows Portman’s ballet dancer, as she competes with Mila Kunis’ character for a prize role in Swan Lake.
The movie was reported to have a dark and visceral overtone and this is immediately evident in the new trailer for the project, which shows that Aronofsky has lost none of his visual flair. There’s a HD version over on Apple.com if the below embedded clip leaves you wanting more.
We have also be treated to the first poster for the movie, which will début at this years Venice Film Festival, before going on US release in December. We have to wait until January 21st for the pleasure.
Funnily enough I’d be almost the opposite. Looks really interesting, love the trailer, Natalie Portman, Mila Kunis, great. But the fly in the ointment?
For me, his films always look like they’re gonna be great but when I get to watching them I’m always left cold. I’ve never enjoyed his films as much as I think I should.
That said, I’ll probably still watch this, reminds me of Suspiria and that was good fun. Don’t take that comment as a criticism of Aronofsky or the writers though, I’m sure it’s not actually like Suspiria. It just reminds me of it.
|
{
"timestamp": "2019-04-22T01:01:44",
"url": "https://scannain.com/movie-news/black-swan-poster-and-trailer/",
"language": "en",
"source": "c4"
}
|
A well-established, global household name based in Teddington is looking to add an enthusiastic, driven and passionate Digital Marketing Executive to their growing team. As the only Digital Marketing Executive in the UK, you will hold the responsibility of further developing and planning out this business' online presence through using numerous social media channels as well as working with chosen retailers on various digital campaigns.
In this role, you will be working closely with a team of 3 marketers in the UK and the corporate marketing team based in Europe. You will be working within strict brand guidelines and expected to enhance the content provided to make it relevant to a UK audience. Some of your typical duties will include: creating email campaigns to reach out to registered clients, manage all content on the company's social media pages, track and report on digital statistics (Google Analytics, SEO and PPC), as well as creating written content and developing digital advertising campaigns with the Managing Director.
In order to be suitable for this role, it is essential that you are degree qualified and have at least some commercial experience working in a similar Digital Marketing position. In addition to this, our client is hoping that the successful candidate will have the ability to write engaging copy. Any experience using the email system Emarsys would be highly advantageous to your application, but is not essential.
This is a fantastic opportunity for a hard-working Digital Marketing Executive to join a market leading business that look after their staff and reward hard work.
|
{
"timestamp": "2019-04-22T12:20:18",
"url": "https://www.ashdowngroup.com/jobs/digital-marketing-executive-teddington-25000-pounds",
"language": "en",
"source": "c4"
}
|
There’s a magical time in the months after a polar bear is born when it’s too tiny to maul anyone, and yet also large and furry enough that it’s recognizably a bear. We saw Hudson, the Toronto Zoo‘s previous polar bear cub, go through all the phases in 2012 before he was shipped off to a zoo in Winnipeg. And now, at last, we have a brand-new puppy-sized ursine friend starring in all kinds of heart-meltingly adorable YouTube videos (see above).
The little guy was born to Aurora, another zoo bear, on November 9, along with two other male cubs, both of whom died within 48 hours. The as-yet-unnamed survivor has been living in the zoo’s intensive care unit for the past month, where staff have been bottle-feeding him and, if the video is any indication, tickling his belly. The Sun reports that zoo staff believe the little bear is doing well. His eyes should open within a few weeks, though it will be at least four more months before he’s moved out of the neonatal unit.
In the meantime, more pictures and videos are available here.
|
{
"timestamp": "2019-04-21T06:35:57",
"url": "https://torontolife.com/city/toronto-zoo-new-polar-bear/",
"language": "en",
"source": "c4"
}
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You remember the car wreck, right? See, I don’t. There’s a bit of a gap. Like a couple of year long gap. It’s gone.
I wasn’t living life like I should have been. I wasn’t being true to myself. I was ripe for a fall. I just didn’t expect it to come with such force.
Two years is a hell of a long time to miss. The thing is, me missing two years did not in anyway impact the world. Not one damn bit. It kept spinning. Everyone kept living or dying; take your pick.
I was taking a lot of photos right after. Most were to help me remember what the hell I was up to and some were for art’s sake. I should have been taking photos throughout the years leading up to the wreck. I should have been paying attention to my life. Anyway, I wasn’t and years are gone to me through no fault of the wreck. But, as in all things, I digress.
Back to the thing, the social media thing. I left it. I was taking photos and posting them daily. It got the better of me and social media made me very antisocial. So, I just walked away, figuratively speaking. I heard from a few people that they missed my posts; a few being two which makes it a couple of people. A couple sounds so small in the grand scheme of things. A thousand plus images out there in the world and only missed by a couple? Now, when you’re alone in the world, looking for a date on Saturday night, a couple is more than the world. A thousand plus images and a couple is downright depressing.
Now, if you missed the posts and said nothing; well that too is cool. Each to their own. If you have been wondering where I went, well I died and went to the sea to live.
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Presence of effective essential oils of Orange, Basil, Tea Tree and Lemon imparts antiseptic and astringent properties, which helps in fighting skin breakouts. Green Apple Face Wash is the natural and most effective yet gentle way of taking the right care of oily/acne prone skin and helps in keeping skin healthy!
Right cleaning of oily skin is very crucial for keeping skin problem free. However, with the repeated use of harsh cleansing products initially makes skin look fresh but after prolonged usage, they can disrupt the healthy protective mantle of skin, eventually leading to dryness, which in turn makes the oil glands in skin secrete more sebum. This becomes a vicious cycle!
Treat your skin with the powerful cleansing action of Green Apple Face Wash!
Treat your skin with the powerful cleansing action of Apple Proteins, which takes off excess sebum and dirt from the face. Due to its proven skin compatibility, it is very gentle on skin and it maintains the integrity of healthy skin. On the other hand, Organic Volcanic Ash, a trove of essential minerals, not just nourishes skin but also provides immense detoxification to the skin. It keeps skin free of impurities and imparts health.
its one of d most smoothening yet mild facewash ever, best fr people wid problematic skin.
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Alexandrea Thrubis’ career is focused on making a positive impact on the community. Out of college, she attained her first dream job of working in Major League Baseball. Alexandrea managed the Community Relations charitable programs, partnerships and relationships of the Detroit Tigers and the Brockton Rox in Massachusetts. Through these programs, she paired the company and its players with charitable organizations to support many worthy causes in the local community. She also coordinated the marketing and public relations efforts associated with such partnerships. After 13 years in baseball, Alexandrea made a career change to focus on improving Michigan through entrepreneurship. She now serves as the Marketing and Communications Manager for Endeavor Detroit, leading the high-impact entrepreneurship movement in Michigan and beyond. She is currently building and executing a marketing and communications strategy for Endeavor Detroit to share how the nonprofit organization is supporting the growth of entrepreneurs and their companies.
Alexandrea also is an Instructor at Michigan State University teaching a variety of Public Relations courses.
Alexandrea earned her Bachelor of Arts in Marketing and Master of Arts in Public Relations from Michigan State University. After spreading the good word of Endeavor and teaching future public relations professionals, Alexandrea enjoys basking in the sun while biking, hiking and traveling here, there, and everywhere to do so with her husband and stepson.
Learn more about Alexandrea's career on LinkedIn.
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Switchboard Rentals, Hire. Switchboard Rental, Hire. Switchboards To Rental, Hire.
South African Telecoms offers switchboard equipment rental/hire finance to supply the demand for affordable switchboard systems to our clients. Switchboard rentals, hire. Switchboards to rent, hire. Switchboard rental,hire. South African Telecoms is a telecommunications company that provides and offers a wide range of switchboard rentals/hire payment options to businesses in South Africa. South African Telecoms Is a telecommunications company providing and offering switchboard monthly rentals, and hired finance payment options. We assist you in financing your switchboard which enables you to pay it off in easy monthly installments. We offer various rental asset finance funding options to suite your budget. Low rentals payable on a monthly basis. Contact us for a rental price and to order a switchboard, complete our rental application order form.
We offer switchboard equipment rental asset finance funding starting from R399.00 per month. Instead of laying out cash upfront you can rent/hire a switchboard from us which make is more affordable to meet your monthly budget. We have various rental period options starting from 36 months, 48 months and 60 months rental payment plans. The shorter your rental period will mean your rental amount is slightly higher per month for the shorter term. A 36 month rental starts at R495.00 where a 48 month rental can be around R449.00 per month excluding vat.
Switchboard rental is an operating expense. A rental finance service keeps all equipment assets with little intrinsic value off your balance sheet, thus avoiding the negativity of high gearing.
Modern office technology become rapidly obsolete, PBX rental allows companies to upgrade to the most up to date technology without taking large capital losses.
Switchboard equipment rental. We offer rental payment options with various terms on most of our switchboard brands.
We provide switchboard rentals, hire pricing starting from R399.00 excluding vat per month.
What Is Included In Your Switchboard Rental Price?
A switchboard handset console for the receptionist, operator.
South African Telecoms is a switchboard business telephone system company who provides rental, hire payment options on various switchboard makes such as Samsung, NEC, Siemens, Panasonic, South African Telecoms iServ, Yeastar, Alcatel, Yealink, VoIP and IP PBX brands.
Why Rent A Switchboard Instead Of Paying Cash?
Instead of laying out cash from your business cash flow, we offer our switchboards on a rental hire payment options, which allows you to budget monthly for your switchboard expense. When you rent from us installation is included in the rental price.
South African Telecoms is a telecommunications company that sells and supplies a wide range of switchboard rental, hire payment options. We rent, hire to start-up/new businesses, small office businesses, SME medium businesses, large businesses and corporate businesses.
We offer rental, hire quotes and quotations on most of our switchboards. Get a rental quote and price with a rental, hire finance payment plan by completing our online quote request application form. Click Here To Request A Rental Quotation.
South African Telecoms offers installations and services on all our rental switchboards. We provide installations and service in all towns and cities throughout South African.
You can order a switchboard to rent from us by completing our online quote application request form (CLICK HERE) or by calling our offices on our contact telephone numbers, 0102860455 Johannesburg, 0212860104 Cape Town, 0312860007 Durban, 0120350217 Pretoria, 0130130080 Nelspruit, 0513470200 Bloemfontein or 0839007518 national for other areas. CLICK HERE to view our contact telephone numbers. You can also send us an email to service@solutions4business.co.za requesting a rental switchboard quotation.
Please download our rental order application form below to place a switchboard rental order. Once completed, email the rental application to accounts@solutions4business.co.za for processing.
Switchboard rentals, hire. Switchboards to rent. Switchboard rental pricing Switchboards available on rental, hire. Switchboards available to rent, hire.
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Bio: The author's name is Jaleesa nevertheless it's not probably the most feminine name out several.
Her house is now in South carolina but she needs to act because of her relatives.
a long time. His wife and he maintain site.
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Cat Loo Hygienic Self Cleaning Litter Box Easy Quick Waste Hygiene Pet With Tray. The Roll Away Self Cleaning Litter Box cleans in just secounds without scooping. Inside the litter box there is a unique patented grill that seperates out the clumped waste, depositing it into the pullout tray. It's as easy to use as 1,2,3!! All you do is roll the box over onto the lid and then gently roll it back again, pull out the drawer and dispose of waste. No electricity or expensive filters needed. Requires no Electricity, Filters, or Liners. 3 Easy Steps to Clean.
43.18 x 50.8 x 41.91. We outsource most of our items from third party suppliers who will deliver it directly to your address, therefor, you might receive it on branded packaging. The pictures listed above are taken of a display model to give you detailed description of the exact same item you will get. Check Out Our Store Here.
We go above and beyond to ensure you receive the best level of service. The item "Cat Loo Hygienic Self Cleaning Litter Box Easy Quick Waste Hygiene Pet With Tray" is in sale since Thursday, July 26, 2018. This item is in the category "Pet Supplies\Cat Supplies\Litter Trays". The seller is "localstores" and is located in London. This item can be shipped to United Kingdom, Antigua and barbuda, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Australia, United States, Canada, Brazil, Japan, New Zealand, China, Israel, Hong Kong, Norway, Indonesia, Malaysia, Mexico, Singapore, South Korea, Switzerland, Taiwan, Thailand, Bangladesh, Belize, Bermuda, Bolivia, Barbados, Brunei darussalam, Cayman islands, Dominica, Ecuador, Egypt, Guernsey, Gibraltar, Guadeloupe, Grenada, French guiana, Iceland, Jersey, Jordan, Cambodia, Saint kitts and nevis, Saint lucia, Liechtenstein, Sri lanka, Macao, Monaco, Maldives, Montserrat, Martinique, Nicaragua, Oman, Pakistan, Peru, Paraguay, Reunion, Turks and caicos islands, Aruba, Saudi arabia, South africa, United arab emirates, Ukraine, Chile.
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For Dine-in and Take Out.
Tarantino's Pizzeria Missoula is now Open for Business!
Since 2006, Tarantino’s Pizzeria has been serving Bozeman handmade New York style pizza on the corner of Rouse and Main in the historic downtown Bozeman area. Since then, Tarantino’s has quickly become Bozeman’s favorite pizza, winning multiple Best Pizza in Bozeman Awards. In light of this success, we proudly announce the opening of a new location in Missoula, MT at the Silver Slipper Bar and Casino. The new location provides the opportunity to enjoy dine in, take out, pizza by the slice. Come into the Silver Slipper for a meal and a drink at Missoula’s Best Sports Bar and Casino!
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The Indian woman shines in whatever outfit she wears. But if it is Indian Ethnic Wear then her beauty is minified many fold. Keeping this in mind Shivaliaurora has come up with a true to its nature collections of Indian Ethnic Wear in Israel.
Collections of Indian Ethnic Wear in Israel.
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New York, NY – Jan. 1, 2018 – PhenomenalMag.com, a leading fashion and lifestyle-conscious digital brand, today announced the launch of its new IAmPMAG.com brand, symbolizing its evolution with a powerful name and beautifully enhanced logo.
The rebranding effort signifies growth and passionate dedication to putting more focus on conscious, fashion-forward phenoms.
Though it is returning to its original vision of being fashion-first, the heart of IAmPMAG.com remains true to “being the authoritative powerhouse of the Black woman’s living legacy.” Phenoms, Beauty, Steel Toe Stilettos, and Black InStyle help to align and position the digital “power-ress,” serving as her premier destination for all things phenomenal and her inner guide to key topics in Empowerment, Style, and Culture.
The iconic Legends Digital Media, LLC star still reigns supreme in the new IAmPMAG.com logo, but it does so with a fresh 3-dimensional effect. In addition, the vibrancy of the colors mirrors the impact of what IAmPMAG stands for - Phenomenal, Magnificent, & Gorgeous.
The launch celebrates the culture, innovation, and forward-thinking the brand has inspired since its original launch in 2012. For more information on IAmPMAG, visit www.IAmPMAG.com.
Whether measured by quality, popularity or financial results, our divisions strive to be at the top of their categories. Legends2Be, LegendsDTV, Phenomenal Mag (IAmPMAG), ShowTime Legends, and all other Legends Digital affiliates' number one goal is to maintain unrivaled reputations for creativity and excellence as they keep people informed, entertained and connected.
Our enterprise is more than a collection of great brands that are owned under one conglomerate. LDM's businesses strive to gain competitive advantage from opportunities for constructive collaboration.
Innovators in technology, digital products, and services, LDM brands focus on growth, engagement and monetization on all platforms.
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Lecture Programme 2011/12 - tonight - Fifty Years of Lasers: Lasers for consumer products, communications, sensing and time-keeping. A lecture by Dr Jeremy Everard, Department of Electronics, University of York.
'Love's Labour's Lost' - Take four dashing young men. Add a vow of celibacy. Throw in a handful of beautiful young women…and wait for the sparks to fly!
Northern Broadsides celebrates its 20th anniversary year with a delicious comedy that will entertain and delight. Romantic, mischievous and filled with youthful exuberance, Love’s Labour’s Lost fizzes like bubbles in a champagne glass.
Barrie Rutter directs a charismatic cast of 17 multitalented northern actors who will literally fill the stage in this fast-paced battle of the sexes. In true Broadsides’ style there’ll be rousing song and dance, scintillating performances, jaw-dropping comic timing and hilarious ‘steal-the-show’ scenes.
Today - Making Corn Dollies with Margaret Wilding.
The making of corn dollies is an ancient craft that can be incorporated into flower arrangements, used at harvest or as a pretty decoration in its’ own right. You will make a dolly called “A Neck” during the workshop. All materials are provided but please bring a pair of scissors if possible. Seed will also be available if you would like to grow your own materials for next year.
Tonight - 'Title TBC' with Will Hutton.
York Concerts present Peter Seymour organ.
University organist Peter Seymour plays music by Bach and his contemporaries, many of whom influenced his compositional style. The Grant, Degens and Bradbeer instrument in the Sir Jack Lyons Concert Hall is one of the finest recital organs in the country and is the ideal instrument for this exhilarating programme which serves also as an appropriate aperitif to Saturday 5th's Baroque Day.
York Barbican presents - 10cc In Concert.
Not only were 10cc makers of some of the greatest hits of the 70’s, but they are currently one of the most exciting live bands in the country! They are coming to the York Barbican next May, celebrating 40 years in the business. Catch up with 10CC as they perform their Greatest Hits and more including: Rubber Bullets, I’m Not In Love, Dreadlock Holiday, Donna, Art For Art’s Sake, Good Morning Judge, The Things We Do For Love, I’m Mandy Fly Me, Life Is A Minestrone, The Dean And I and The Wall Street Shuffle.
The Black Swan Folk Club present - Andy Irvine.
Lamentations - theatre of sorrow.
This Black Hair production is a 60 minute event without interval.
York Astronomical Society presentation - 'Images of the Space Shuttle' by Paul Money.
In Paul Money's second talk of the year, he gives a tribute to the Space Shuttle in what he personally feels are the 10 best, or most iconic images that sum up the Shuttle era. Paul will then go on to tell the story behind the image and why he feels it belongs in his "top 10".
North Yorkshire Moors Railway - Spring Steam Gala.
The event will feature locos and activities portraying both the history of line and of railways in general. Visiting locos will attend - list still to be confirmed.
First Saturday Lunches - A longstanding tradition at Melton's, they are very popular and booking is necessary. Todays' theme - EAST COAST FISH.
A celebration of the variety of fish landed on the Yorkshire Coast.
York Concerts present Baroque Passions - The Passion of Christ and Passions of the Soul.
The theme for this year's Baroque Day has inspired a choice of repertoire dealing not only with Christ's Passion and Resurrection but also with passions – emotions – in both vocal and instrumental music. Buxtehude's exquisite cycle of seven cantatas was composed in 1680 and is considered to be the first Lutheran oratorio; Schütz's biblical narratives are from earlier in the century and are the finest examples of Passion Histories before Bach's great Passions of the 1720s. Purcell's great opera, Dido and Aeneas, vividly portrays the emotions not only of the title characters but also of the members of the Queen's court.
12.30 pm Compagnia d'Istrumenti: programme to include works by Biber, Schmelzer and Telemann.
3.00 pm Buxtehude Membra Jesu nostri. Buxtehude's exquisite cycle of seven cantatas was composed in 1618 and is considered to be the first Lutheran oratorio.
4.30 pm Schutz St John Passion; Seven Last Words.
Biber Mystery Sonatas. Continuing the day's theme of Baroque Passions - the Passion of Christ and Passions of the Soul - Schutz's biblical narratives date from the early 17th century and are the finest examples of Passion histories before Bach'sgreat Passions of the 1720s. Biber's virtuosic Mystery Sonatas are taken from his set of 15 sonatas, each depicting a mystery of the rosary.
7.30 pm Purcell Dido and Aeneas and music by Blow, Purcell and Jeffreys.
The Late Music Concerts are a unique series of concerts devoted exclusively to the work of living composers who create the diverse and exciting sound world of today's contemporary classical music. Today - Ligeti String Quartet.
York Barbican presents - Sing-a-long-a ABBA.
From the producers of the smash hit “Sing-a-long-a Sound of Music.” The concert event Abba fans have been waiting for… The Swedish supergroup’s greatest hits performed live with on-screen lyrics so everyone can join in!
With live singers on stage, a party bag for everyone, fancy dress, Dancing Queen competition, the big screen with lyrics and of course some of the best music you’ll ever hear – Sing-a-long-a ABBA is the perfect night out for all!
Fancy dress is not obligatory but highly recommended!
York Astronomical Society 40th Anniversary Spectacular.
You're only 40 once and YAS are celebrating in style! A special full-day event, packed with lectures from Dame Jocelyn Bell Burnell, Prof. Monica Grady, Dr. Allan Chapman and Nik Szymanek.
Full details of the days events will be posted nearer the date, so make sure you keep coming back for more.
Thirsk Races 2012 - Thirsk Hunt Cup.
The Dales Festival of Food and Drink - held at Leyburn in the Heart of Wensleydale.
Not least because the Farming for Food events include talks and demonstrations on beekeeping by the Richmond and District Beekeepers Association. Visitors will find something for everyone from the best locally sources organic meats to award-winning beers within the festival's own Drinks Marquee and 'Beer Festival'.
To entertain the DFFD brings together live cookery demonstrations from the region's top chefs, a 'Speakers Corner' featuring established authors and speakers, plus a range of rides and entertainments for children and young people.
But the festival is not just about a great show – it is organised by the Leyburn and Mid-Wensleydale Partnership Ltd, a registered charity and any financial surplus from the event goes to community causes. Since its inception in 2002, the Dales Festival of Food and Drink has generated surplus funds of over £140,000.
These funds have been distributed to local community organisations which have ranged geographically from Hunton to East Witton and from Constable Burton to Bainbridge, and range from Christmas lights and small Rotary Club initiatives, to village hall expenditure in Newton-le-Willows, Wensley and Thornton Rust, for example. We are proud to have contributed to the Multiple Sclerosis Society, and it is fair to say that the Leyburn Band has benefited hugely from Community Fund Grants.
The event supports small, local businesses, and has often acted as a springboard to success. At the 2004 Festival, for example, one trader was running home at the end of each day to make more stock. They are now well established and selling to Fortnum and Mason!
Preparing for Royalty - Take a step back to the Edwardian era, the year is 1912 and the gentleman of the house has responsibility for a forthcoming royal visit.
Meet the household and servants of Brodsworth as they prepare the master and mistress for this royal occasion, from fashion, to etiquette, food and drink and a healthy mix of gossip, intrigue and chatter – and that's just the servants!
The Monthly Monday Meal - A longstanding tradition at Melton's, they are very popular and booking is necessary. Todays' theme - EAST COAST FISH.
May Day Celebrations - Alongside crafts there will also be traditional Maypole dancing on site for May Day. Come along and join in the fun!
Today - Shade Plants with Vanessa Cook.
Learn about different types of shade, how to improve the conditions and to view it as an asset, not a problem. See the numerous plants which thrive in shade, followed by a walk around the garden to see many of them growing.
Camille enjoys a formidable international reputation for her dramatic interpretations of the songs of Brel, Cave, Waits, Bowie and more.
The awardwinning singer has stunned audiences around the world including a show-stealing appearance on Later with Jools Holland (BBC TV).
Dark, fierce, amusing and mesmerizing, Camille transforms each song into an intense theatrical experience.
The Black Swan Folk Club on Tour present - Boo Hewerdine & Brooks Williams STATE OF THE UNION Tour.
Here is an exciting collaboration between two apparently different musicians who have found a creative writing and performing chemistry. Tapping into wide-ranging influences, they make music that will delight fans of hook-laden songs, fiery and emotional guitar playing and soulful vocals. Whether it is authentic Americana, delicate ballads, modern pop or reworked classics, this Union delivers.
A cult English songwriter with over 400 recorded cover versions, Hewerdine was lead singer of The Bible and has worked with artists such as Eddi Reader, Heidi Talbot and Jerry Douglas, while Williams is a bluesy American singer and composer with a reputation as one of the world’s best slide guitarists. Two guys, two guitars and a clutch of songs – the old formula has seldom worked better.
This breathtaking programme presents a work from great British choreographer John Cranko, alongside a brand-new ballet by Jessica Lang, and thrilling excerpts from some of the world-famous classics with which Birmingham Royal Ballet has made its name.
In Pineapple Poll we get to see what a classic cartoon might look like if brought to life on stage. With the aid of a foottapping medley of the best of Gilbert and Sullivan and a comic choreographic touch, this is your opportunity to find out.
Following the success of the excerpts on last year's tour, Birmingham Royal Ballet presents two more highlights from some of our best-loved ballets. The Clog Dance and Lily of Laguna pas de deux from Director David Bintley's Hobson's Choice, is a funny and warming peek into the lives of two unlikely lovers. The programme finishes with the stunning, virtuoso pas de deux from Marius Petipa's great classic, Don Quixote.
York Museums Trust Adult Learning Programme - Early Drawing Techniques.
A day of practical drawing activities exploring the materials and techniques used by European artists from the Renaissance to the 1700s.
York Museums Trust Adult Learning Programme - Silver Clay Pendants.
Thirsk Races 2012 - Country & Western Night Evening Meeting.
Sowerby Music present Metropolitan Brass – ace Manchester brass quintet with Horovitz, Bernstein, Piazzolla and traditional tunes.
Martin Taylor & Alan Barnes.
In this inspired pairing, world-class guitarist Martin Taylor meets multi award-winning reeds man Alan Barnes. Taylor is known for his long association with Stephane Grappelli and his highly successful solo career which includes the recent 'Last Train to Hauteville' CD, which featured Barnes as part of his Spirit of Django group.
Barnes is Britain's number one mainstream reeds player and concentrates solely on clarinet on their new album – Two for the Road. The repertoire is wide-ranging and unusual yet is complemented by two catchy and accessible originals from the pen of each player.
2011/12 Talks - Suzanne Dekker, glass artist.
Suzanne found her niche after taking part in a taster day at York College, where she had the opportunity to make some leaded glass. Three years of night classes followed and then she started her degree course. In 2008 she won the student category of the Warm Glass Prize, a national competition for glass artists. In 2010 she graduated with first class honours.
Lecture Programme 2011/12 - tonight - Looking down on Roman Yorkshire: an aerial archaeologist's view. A lecture by Dave MacLeod, BA, Senior Investigator, Aerial Survey and Investigation, English Heritage.
'Henry IV' - Written by: Luigi Pirandello.
After he is knocked off his horse during a masquerade, a man loses his mind and remains locked in a castle for the next 20 years believing he is the medieval emperor Henry IV.
A troupe of actors collude in this delusion daily, until one day he receives a visit from the woman he once loved and a psychiatrist determined to cure him. But who is sane and who is mad? And what is madness anyway?
Exploring the knife edge between illusion and reality, Out of Character bring their unique perspective to this fascinating and darkly humorous 20th Century classic. Out of Character make challenging work for inquisitive audiences with the aim of transcending the boundaries of modern theatre and our perceptions of mental health, claiming the territory between inspiration and medication.
York Museums Trust Adult Learning Programme - Victorian Chocolate Making.
Learn how Victorian chocolates were made back in a time when a fancy box of chocolates was an extraordinary treat. You’ll learn the art of sugar boiling, a skill at the centre of Victorian confectionery and medicines.
During the Victorian era chocolate from the west encountered sugar from the east and became an accessible luxury that thrived in York.
York Concerts present Tim Lowe cello with James Bailieu piano.
A former York Minster chorister, Tim Lowe is now enjoying huge success as a solo cellist after studying at the Guildhall School of Music and Drama, where he is a fellow and tutor. With James Baillieu, he has given concerts at major venues around the country, supported by awards from the Kirkman Concert Society and the Tillett Trust.
He will give his first solo Wigmore Hall recital on 17 February 2012, accompanied by James Baillieu in a programme of Saint-Saens, Beethoven and Brahms. South African pianist James Baillieu is fast establishing himself as the leading accompanist of his generation, working with instrumentalists and singers in the UK and Europe.
York Races - The Dante Festival.
York in May is a fantastic place to come racing, the season lies ahead and many star horses have risen to prominence on the Knavesmire over these three fantastic days.
Last season, saw the Queen’s Carlton House ridden to victory by Ryan Moore in the totepool Dante Stakes, held on Thursday, become the subsequent favourite for the Investec Derby. Look out for this year’s winner who will likely be favourite again for the Classic.
Highlights of the Dante Festival in previous years have included Sariska, winning the Tattersalls Musidora in 2009 which is held on the opening day of the festival, going on to win both the English and Irish Oaks. The top horses from the action on Friday will often reappear in the Gold Cup at Royal Ascot, as the leading stayers take centre stage in the Yorkshire Cup. Last year’s winner, Duncan, went on to win the Group One, Irish Field St.Leger.
The winners at this year’s festival will again be the ones to watch throughout the season.
'That's Entertainment!' - Enjoy a dazzling night in the West End.
A company of principals and chorus will be joined on stage by a full live orchestra for an evening of the very best of musical theatre. Let the music take you to the glittering lights of the West End with songs from shows including Phantom of the Opera, Les Miserables, Miss Saigon, Wicked, Guys & Dolls, Chicago, Mamma Mia, Cabaret and Oliver.
2012 is a year to celebrate, the Queen’s Diamond Jubilee, the London Olympics, the 800th anniversary of the City of York receiving its Royal Charter and our own 110th anniversary.
Hear music composed by the finalists of the 2012 NCEM Composers Award presented in association with BBC Radio 3 and The Tallis Scholars.
This National Award, now in its 4th year, has attracted much interest. Shortlisted finalists will have the opportunity to work with composer Christopher Fox and York’s Ebor Singers to prepare their pieces for this public performance.
The winners will be announced on the night and the winning pieces performed by The Tallis Scholars in Durham Cathedral in June.
Tutored Wine Tastings - Champagne & Sparkling.
The Black Swan Folk Club present - Chris Sherburn & Denny Bartley.
York Concerts present Zamar Gospel Choir.
Zamar Gospel Choir performs across Yorkshire in carnivals, concert halls, festivals, weddings, churches and schools. Singing a range of traditional and contemporary gospel songs from across the globe, Zamar has developed a reputation of providing lively and joyous performances full of infectious enthusiasm. Numbering around 50 singers with a smaller semi-chorus, the choir performs both a cappella and with instrumental accompaniment.
York Astronomical Society presentation - The Kielder Observatory – its first years... by Gary Fildes, Kielder Observatory.
Museums at Night: Brodsworth Hall by Candlelight.
Visit the magnificent time capsule of Brodsworth Hall at twilight in conjunction with “Museums at Night”, for a unique view of the Hall.
Evoking the atmosphere and feel of the Hall in its heyday as the rooms are lit by chandeliers and “candlelight”. This event is confined to the Hall only and not the Gardens and provides a unique opportunity to see the Hall in darkness. Be aware - areas and rooms may be quite dark.
Today - A Guided Walk through Chelsea Flower Show with Lizzie Tulip.
Pre-2012 Chelsea Flower Show, renowned York based garden designer (and Chelsea Flower Show Medal Winner), Lizzie Tulip provides a guided walk through Chelsea past and present. Lizzie will give you so many practical ideas to take home and implement to give your Yorkshire garden the look and feel of an award winner. She will explain about designers planting combinations and the many different materials used in Chelsea gardens and illustrate ways to use these to add character and style to your own garden.
Session 3: York’s Gardeners and Botanists.
A Young Person’s Guide to the Brass Band - presented by the York Railway Institute Golden Rail Band.
Come along and try out the whole range of brass and percussion instruments, from cornets to drum kit and trombones to tubas.
The afternoon begins with a short performance by the Development Band and ends with a community concert featuring some of our talented young players performing solos backed by the York Railway Institute Golden Rail Band. Fun for all the family!
If you think you might like to play in a brass band or you are a parent with an enthusiastic child (or want to learn yourself) come along for a warm welcome!
Yorkshire Bach Choir present - Celebrated Psalms. Settings of psalm texts by Sweelinck, Tye, Dering, Philips, Gibbons, Tomkins, Lassus, Schütz and Gabrieli.
This programme explores the response of different composers from across Europe to the same psalm texts, variously in Latin, English and German. Each composer responds in an individual way, enlightening and illustrating the meaning and providing music of both simplicity and richness.
The 203rd Otley Show - Otley Show is the first major agricultural show of the season. It is thought to be the oldest one day show in the country and is set in the picturesque Wharfe Valley. It attracts an average 15000 visitors, in addition to which, exhibitors in Cattle, Sheep, Horse, Goats, Poultry, Dogs, Rabbits,Produce, Handicrafts, Floral Art and Farriers.
In excess of 100 Trade Stand Exhibitors and 40+ Craft Exhibitors also attend the show.
Main attractions have recently included - Dog Display Teams, Falconry Displays, Motorcycle Displays, The Sheep Show and The Hawkmaster attired in mediaeval costume, riding a Shire Horse, flying Birds of Prey.
During it's long history, Otley Show has rarely been cancelled - twice in the 1800's, throughout the war years, 1983 when the showground was waterlogged and most recently in 2001 with the outbreak of Foot and Mouth. The effects of this disease were felt throughout the farming community and the many who were associated with the farming and agricultural industries. Many of the regular livestock exhibitors at Otley Show were affected by Foot and Mouth and many agricultural shows were cancelled that year, marquee contractors, mobile caterers, penning contractors etc were all badly hit. However, Otley Show is still one of the most successful events in Otley's calendar and will continue to promote farming and agriculture for many years to come.
Thirsk Races 2012 - Irish Day.
Malton Food Lovers Festival 2012 - The 2012 Festival aims to showcase the very best produce from the surrounding countryside with 100 varied producers offering visitors the chance to taste and buy the best that Yorkshire has to offer.
As well as the producers, two separate theatres will host a series of cookery demonstrations by award-winning cooks including ‘Celebrity Chef’ Antonio Carluccio, Rosemary Shrager and Andrew Pern and famous food writers Tom Parker Bowles and Matthew Fort.
For families there will be the chance to enjoy the Young Chefs’ Competition, Mayoral “Cook Off” as well as the Army Kitchen complete with Scimitar Tank. Festival sausages will play a big part being cooked all over town and of course there will be our superb street food stalls outside the Milton Rooms. All this and there was a brilliant programme of live music throughout the two days. There are several new attractions to the festival but these will be revealed in due course!
For a family day out in foodie heaven come and try Malton Food Lovers Festival, we are proud to be know as Yorkshire’s Best!
Kate Williams & Bobby Wellins.
Jazz pianist/composer Kate Williams, daughter of guitarist John Williams, has released four CDs, to critical acclaim. Her trio CD ‘Scenes And Dreams’ was rated in the top ten jazz albums by Mojo magazine. Most recently, 'The Embrace’ (2008) displays her rich and sonorous quintet writing, featuring tenor sax player Steve Kaldestad and award-winning flautist Gareth Lockrane.
Bobby Wellins is one of the most exceptional figures in modern jazz and featured on Stan Tracey’s ‘Under Milk Wood’, recorded in the late ‘60s. He has his own quartet featuring pianist Liam Noble and recently toured with the Scottish National Jazz Orchestra. Bobby and Kate will perform jazz standards and originals recently released on their new CD.
Classic Car Rally - Many fantastic and varied Classic Cars on site.
York Museums Trust Adult Learning Programme - An Introduction to English Patchwork.
York Barbican presents - Brit Floyd - The Pink Floyd Tribute Show.
Brit Floyd, the world's greatest Pink Floyd tribute Show, is back with a brand new show celebrating the amazing musical legacy of Pink Floyd.
Especially created by Brit Floyd musical director Damian Darlington to celebrate the November release of the brand new official Pink Floyd Best Of album A Foot In the Door, Brit Floyd will perform a collection of Pink Floyd's best work in its entirety - track by track - and as selected, personally, by the Pink Floyd band members themselves.
And as an extra bonus, and back by popular demand, Brit Floyd’s new show will also include its full 23 minute show-stopping rendition of Echoes, taken from Pink Floyd's classic 1971 album, Meddle. The Brit Floyd performance will include; Hey You, See Emily Play, The Happiest Days of Our Lives, Another Brick In The Wall pt2, Have A Cigar, Wish You Were Here, Time, The Great Gig In The Sky, Money, Comfortably Numb, Echoes, High Hopes, Learning To Fly, The Fletcher Memorial Home, Shine On You Crazy Diamond, Brain Damage, Eclipse and Run Like Hell.
In less than one year the new Brit Floyd phenomena has been embraced by Pink Floyd fans worldwide, and been acclaimed for its musical note-for-note perfection, unique Floydian animation and its state-of-the art sound and lights production.
Lecture Programme 2011/12 - tonight - Peat bogs, climate change and prehistoric pyromania. A lecture by Dr Jeff Blackford, Department of Geography, University of Manchester.
York Concerts present Gamelan Sekar Petak.
The tuned percussion and gongs of Gamelan Sekar Petak create an enchanting and ethereal sound world in this programme of traditional music from Java and new music written for gamelan.
The Black Swan Folk Club present - Bill Adair.
STILE ANTICO present - 'THE ROSE IN FLOWER': MASTERPIECES FROM THE TUDOR ERA.
Take a step back to 16th century England - full of memorable characters, political intrigue and religious tumult, the Tudor era never loses its allure and fascination. Alongside their great matters of State, the Tudors oversaw an extraordinary flowering in poetry, painting, architecture and - perhaps most of all - in music.
Stile Antico's programme spans the entire range of this greatest period of English musical achievement. Each of the five Tudor reigns, from Henry VII to Elizabeth I, is represented by a large-scale antiphon - several dedicated to the Virgin Mary, the 'mystic rose'.
Interspersed between these works are the movements of William Byrd's four-part mass: an affectionate tribute by the last great Tudor master to his illustrious heritage.
WILLIAM CARTER - BACH AND THE LUTE.
William Carter, a founder member of the much admired Palladian Ensemble, appears on numerous recordings with period orchestras across the UK playing lute, theorbo and guitar.
Today we have the pleasure of hearing him perform one of the most complex of musical genres, J S Bach’s music for lute – rarely heard – but as intensely beautiful as the more famous cello suites.
LA SERENISSIMA - Katy Bircher flute, Adrian Chandler violin and Peter Whelan bassoon present VIVALDI: MAESTRO DE’CONCERTI.
We are delighted to welcome back this award-winning orchestral ensemble as they present Antonio Vivaldi’s most famous concerti Le Quattro Stagioni played with staggering virtuosity by Adrian Chandler and his band.
Contrast this explosion of sound with Vivaldi’s fantastic Paris concerto and three virtuosic concertos for soloist and orchestra, including the recently-discovered flute concerto Il Gran Mogol. This programme is a tour de force!
York Museums Trust Adult Learning Programme - Wild Willow Flowers.
York Races - May Spring Meeting.
A chance to take a spring weekend at York on a relaxed Saturday, with quality racing.
The first Saturday of the York season will see us welcome back families, with accompanied under 16’s being admitted free of charge. A spring Saturday at York always offers a great atmosphere as people enjoy the award winning facilities and take in the exciting action on the course.
The Stowe Family Law LLP Grand Cup, is a Listed race, which means it will be won by a horse of real quality; last year’s winner, Times, went on to be placed in two Group races and win another Listed. It’s likely that twenty thoroughbreds will hurtle down the home straight in the feature sprint, the sportingbet.com Stakes; being close to such a spectacle is always a treat. Last year’s victor, Masamah, returned here to win a Listed race during the John Smith’s Cup Meeting and went on to win a Group 2 during Glorious Goodwood.
GRAND DESIR - Anita Orme Della-Marta recorders, harp, Anne-Marieke Evers mezzo-soprano, Marc Lewon lute and Elizabeth Rumsey viola d’arco present 'DANSE ET CHANSON'.
A medieval banquet of musical delights linking together some of the most important musical genres of the 15th century - presented in one of England’s finest medieval Minsters, surrounded by myriad carvings of musicians who lived and worked in Beverley over 600 years ago.
Grand Désir won the Friends’ prize at the 2009 York Early Music International Young Artists' Competition.
ALVA - Vivien Ellis voice and Giles Lewin fiddle present 'A BEVERLEY BANQUET' - 18TH CENTURY SONGS FROM YORKSHIRE.
Join us in one of Beverley’s finest Georgian buildings for this specially devised programme which gives us a unique insight into the region’s musical history.
Discover what it was like to hear a convivial song at a fashionable Assembly in Hull, the ballad of a beggarwench at Scarborough Fair, a drunken catch at a Beverley tavern, or a seaman's lament for his love on the shore – all newly discovered treasures from popular song-books of the 18th century.
BEVERLEY MINSTER CHOIR directed by Robert Poyser - Choral Evensong.
RED PRIEST - Piers Adams recorders, Julia Bishop violin, Angela East cello and David Wright harpsichord present BACH AND THE PIRATES.
Stolen masterworks and long lost treasures of the baroque performed with swashbuckling virtuosity!
The programme will include music by Vivaldi, Handel, Telemann, Albinoni and will feature Red Priest's pirated versions of several Bach classics, such as the Toccata and Fugue in D Minor and Brandenburg Concerto no.3.
Yorkshire Air Museum - Battlegroup North “Jubilee” Wheels & Wings Show.
Huge gathering of over 250 historic military vehicles, full wargaming show and Living History displays. Field Gun Salute to mark the Queen’s Jubilee. A superb event for all the family - not to be missed!
A Multi Period History: Re-enactors demonstrating on site all weekend, covering different periods and demonstrating their traditional ways of living.
The Medieval Year – Spring & Summer.
Today - Bosworth Battlefield and Kirby Muxloe Castle (Leicestershire).
A Richard III Day! We visit the Battlefield site at Bosworth and have a short but informative guided tour to the traditional battle site at Ambion Hill. We will also meet a 15th C soldier in armour for a fascinating private demonstration of mediaeval warfare and weaponry in a private tent. There will also be a Living History or Falconry display; all of this is included in our price.
Later in the afternoon we go to the picturesque moated late mediaeval castle of Kirby Muxloe (EH) again with Richard III connections.
Kirkby Fleetham Folk Club presents - International Ladies Night featuring Flossie Malaviaille, Sarah McQuaid & Wendy Arrowsmith. On stage together!
York Museums Trust Adult Learning Programme - Yorkshire's Sea Dragons.
Yorkshire is a special place for 'sea dragons' - marine reptiles that swam in the seas when dinosaurs roamed the land. Find out more about these amazing creatures, including the science behind how they lived and stories of their discovery. Explore and handle specimens from the Museum's collections with curator Isla Gladstone.
Lecture Programme 2011/12 - tonight - Tulipomania: Banking with Bulbs during the Golden Age of Dutch Culture. A lecture by Dr Eric T Haskell, Professor of French Studies & Interdisciplinary Humanities Director, Clark Humanities Museum, Scripps College, Claremont University Centre, California.
The Black Swan Folk Club present - Al Parrish.
|
{
"timestamp": "2019-04-20T06:47:42",
"url": "http://comestaywithus.com/york-whatson/may2012.html",
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Alpen - Apartments in Garmisch-partenkirchen is an apartment building.
Alpen - Apartments is set in Garmisch-Partenkirchen, 400 metres from Olympia-Sportstätten. Werdenfels Museum is 1 km from the property. All units were renovated in 2017 and include a dining area and a seating area with a flat-screen TV. There is also a kitchen, equipped with a dishwasher, oven and microwave. A toaster and coffee machine are also available. There is a private bathroom with a rain shower and hairdryer in each unit. Bed linen is provided. A number of activities are offered in the a...rea, such as cycling and hiking. Historical Ludwigstrasse is 1.1 km fromAlpen - Apartments, while Richard Strauss Institute is 1.1 km away. The nearest airport is Memmingen Airport, 86 km from Alpen - Apartments. Underground parking is available for a fee, while a free parking space is available in the courtyard.
Alpen - Apartments is set in Garmisch-Partenkirchen, 400 metres from Olympia-Sportstätten. Werdenfels Museum is 1 km from the property. All units were... renovated in 2017 and include a dining area and a seating area with a flat-screen TV. There is also a kitchen, equipped with a dishwasher, oven and microwave. A toaster and coffee machine are also available. There is a private bathroom with a rain shower and hairdryer in each unit. Bed linen is provided. A number of activities are offered in the area, such as cycling and hiking. Historical Ludwigstrasse is 1.1 km fromAlpen - Apartments, while Richard Strauss Institute is 1.1 km away. The nearest airport is Memmingen Airport, 86 km from Alpen - Apartments. Underground parking is available for a fee, while a free parking space is available in the courtyard.
When would you like to stay at Alpen - Apartments?
Children and extra beds All children under 2 years stay free of charge for children's cots/cribs. All children under 4 years are charged EUR 10 per person per night for extra beds. The maximum number of children's cots/cribs in a room is 1. The maximum number of extra beds in a room is 1. Supplements are not calculated automatically in the total costs and will have to be paid for separately when checking out. Any type of extra bed or child's cot/crib is upon request and needs to be confirmed by the innkeeper.
Guests are required to show a photo identification and credit card upon check-in. Please note that all Special Requests are subject to availability and additional charges may apply. Please inform Alpen - Apartments in advance of your expected arrival time. You can use the Special Requests box when booking, or contact the property directly with the contact details provided in your confirmation. Payment before arrival via bank transfer is required. The property will contact you after you book to provide instructions.
|
{
"timestamp": "2019-04-24T12:05:32",
"url": "https://www.bedandbreakfast.eu/bed-and-breakfast/garmisch-partenkirchen/alpen-apartments/2331870/",
"language": "en",
"source": "c4"
}
|
Some of them are killed as they do so. Got contacted by a guy in Nonthaburi – they had 2 big rat snakes mating in their garden. They called the security guys for the housing complex who insisted these rat snakes were closely related to the cobras – and called Coconut snakes. What the hell?
They killed them both. You see how BIG that one is? 3+ meters… a fine specimen!
Snakes are mating during these months. Some of them are anyway. I think the king cobras and now I know the rat snakes are too. Probably whatever snakes aren’t hiding away from the cold. Today I had a look in a park in the northeast – all over the park – ponds everywhere, great little trees by the ponds – nothing. No snakes.
I’m giving up until I get back south. The northeast is just way too cold at the moment for snakes.
I have just seen a Cobra at my back door. I live in a new housing estate in Nontaburi. Should we ignore it or call someone in to try to get rid of it, we know where it is nesting, under the concrete support for our water tank. From what I hear there are a lot of snakes in this village.
For me – I would let it stay… but you might want to have it removed. It could be a spitting cobra – and no dogs, or people – need that stuff hitting them in the eye.
Call to have it removed – the ambulance guys or police know the snake guys that will do it. Give them 200b or something – and be rid of it. Don’t let it stay because likely it will lay eggs – or already has them under there waiting to hatch in june or so I think is how it goes.
Next Next post: Snake Poll Results – Best Way to Remove Venomous Snake During Bite?
|
{
"timestamp": "2019-04-19T14:21:11",
"url": "https://www.thailandsnakes.com/snake-identification-2/snakes-are-mating-in-thailand-at-the-moment/",
"language": "en",
"source": "c4"
}
|
I want to thank you very much for your prompt and professional service. The men who came and removed the tree were truly professional in their work and courtesy. When I need more tree care you will be the first people I will call. Thanks again for the prompt and efficient work. We need more companies like yours.
|
{
"timestamp": "2019-04-25T02:04:19",
"url": "https://brownstreecare.org/r-talik-bentonville-ar/",
"language": "en",
"source": "c4"
}
|
The expanded coverage of the legislation is – at least in part – a response to the release of the findings of the Hayne Royal Commission into the Banking, Superannuation and Finance sector. However, the new laws will impose significant new obligations on a much wider range of businesses than previously covered.
In what appears to be a disappointing – and unexpected – decision for Fast Food sector employers, the Fair Work Commission (FWC) has recently rejected an application to insert more flexible part-time provisions into the Fast Food award.
Single Touch Payroll is now a reporting change for smaller employers. The ATO has provided a list of at least 6 low-cost software providers who have products ready for use, for those micro employers who need to report through STP, but do not currently have payroll software.
The Federal Government recently varied the Fair Work Regulations 2009 to allow employers, in certain circumstances, to claim an offset of an employee’s casual loading against any NES entitlements owing to the employee, where the employee was incorrectly classified as a casual.
The Fair Work Ombudsman (FWO) – the independent statutory body responsible for enforcing compliance with workplace laws and education – has recently published a resource for franchisors providing guidance on their responsibilities and practical steps that they can implement to comply with the ‘reasonable steps’ requirements.
Our General Manager, David Price, recently attended the Franchise Forum conducted by franchise and employment law experts HWL Ebsworth. The above are all as a result of the Vulnerable Worker laws, imposing liability on franchisors (and holding companies) for breaches by franchisees, subject to a defence by the franchisor that it took ‘reasonable steps’ to avoid the breaches occurring.
Major Changes The new Fair Work Amendment (Protecting Vulnerable Workers) Act 2017 introduced some major changes that affect all employers, not just the franchise sector where underpayment scandals led to the new legislation.
What happened to the Vulnerable Worker laws?
We reported recently that the proposed tough new Vulnerable Worker laws were to be debated on 8 August in Federal Parliament. You might be wondering what has transpired since that date?
The changes are complex and will take some time for employers in the Restaurant Industry to fully absorb and get used to. We have been fielding questions from various clients regarding how the new provisions apply to their businesses and we have assembled the questions and answers below from that source, as well as adding some of our own.
General Retail Industry Award 2010 – Variations to plain language standard clauses are now in effect.
As part of the Fair Work Commission’s 4 yearly review of modern awards, variations relating to the plain language standard clauses have now been signed and will take effect from 1 November 2018. The most important change that affects the network on the GRIA is Clause 14.1(d).
Fast Food Industry Award 2010 – Variations to plain language standard clauses are now in effect.
As part of the Fair Work Commission’s 4 yearly review of modern awards, variations relating to the plain language standard clauses have now been signed and will take effect from 1 November 2018.
|
{
"timestamp": "2019-04-24T14:39:14",
"url": "https://erstrategies.com.au/category/legislation/",
"language": "en",
"source": "c4"
}
|
For the wandering yogi! This durable bag is perfect for bringing your yoga mat with wherever you wander. This particular line of mat bags is inspired by the vibrancy of the wilderness. Every bag is individually inspired by the color-scapes found in nature. Each bag is named after the place that inspired it!
The CTG studio uses zero-waste practices so production is conducted in a conscious way to eliminate material excess.
Limited Edition. Fits most traditional yoga mats (the mat in the photo by Gaiam and is 24"W x 68.5" long).
|
{
"timestamp": "2019-04-25T18:25:13",
"url": "http://www.ctgyogalife.com/before-after-yoga/ctg-spirit-warrior-yoga-mat-bag-glacier",
"language": "en",
"source": "c4"
}
|
Loughborough has a bustling town centre with plenty of shopping opportunities, including the Rushes, Carillion Court shopping centre and the outdoor market at Market Street. Being a university town there is no shortage of bars, restaurants and entertainment venues to enjoy on a night out.
There are a number of nature trails in and around the town to enjoy, including Beacon Hill Country Park and Whatton House. Loughborough is a town steeped in history, with five museums including the Charnwood Museum at the heart of the town. For a trip back in time, the steam railway at the Great Central Railway offers trips throughout the year, providing spectacular views of the Leicestershire countryside.
Trinity Gardens is three and a half miles from junction 23 of the M1, proving a route for commuters to Leicester, Nottingham and Derby. Loughborough train station provides links to cities in the East Midlands, Sheffield and London St Pancras, while East Midlands Airport is the nearest airport to Loughborough.
|
{
"timestamp": "2019-04-25T21:45:07",
"url": "https://www.morrishomes.co.uk/new-homes-leicestershire/loughborough",
"language": "en",
"source": "c4"
}
|
How do you know Get Reference?
What did you use Get Reference for?
When did you first use Get Reference?
How long did you work for Get Reference?
|
{
"timestamp": "2019-04-23T01:22:26",
"url": "https://www.crowdreviews.com/get-reference/write-review",
"language": "en",
"source": "c4"
}
|
Cairns Hockey Board met on 29th Jan 2019 and the following is a summary for your club’s information.
• Child Protection is of paramount consideration and CHA Policy now required all coaches and managers of teams where junior under 18 players participate to have a Blue Card. There is some modifications in the P programs where only 1 team official is required. CHA is being pro-active and will assist in ensuring this to be rolled out by Easter 2019.
• Cairns Representative Team Officials are already required to hold a Blue Card and this will continue.
• More information will follow to assist with roll out.
• Workshop was discussed and all information contained in associated email to clubs.
• David McNeil was invited and presented to Board across Competition Committee matters/HPAG and Talent pathways and recruitment .
|
{
"timestamp": "2019-04-24T00:39:23",
"url": "http://www.cairnshockey.com.au/cha-board-meeting-january-2019-summary",
"language": "en",
"source": "c4"
}
|
We want to provide you with great solutions and service whenever you are at affordable prices. This is why we decided to focus on online sales and remote service. Nevertheless, if you'd like to see our products and solutions in person, have a look at our Where to Buy section and visit one of our UK or International partners.
|
{
"timestamp": "2019-04-21T14:53:59",
"url": "http://www.innuos.com/en/go/contact-us",
"language": "en",
"source": "c4"
}
|
Lack of Offense Could Leave Ramiro Pena as Odd Man Out. Chavez and Nunez Take Lead.
Beltran helping himself and the team by moving to right field. Oliver Perez shows no improvement, working toward being cut.
|
{
"timestamp": "2019-04-26T08:26:47",
"url": "https://doublegsports.com/category/mlb/page/225/",
"language": "en",
"source": "c4"
}
|
Microbiology – Shri R.L.T. College of Science, Akola.
Its one of the leading departments of our college. Find the complete details about our microbiology department under this page.
|
{
"timestamp": "2019-04-25T07:50:04",
"url": "https://www.rltsc.org/category/microbiology/",
"language": "en",
"source": "c4"
}
|
Minority Rights Group welcomes the work of the Working Group on the key issue of poverty, exclusion and development for people of African descent.
We would like to echo some of the remarks made during the session and flag two fundamental challenges which stand in the way of sutainable development for people of African descent.
The first challenge is the denial of the mere fact that people of African descent are discriminated against and are largely excluded from the economic development. There is a lack of acknowledgement that people of African descent face exclusion, and – related to this point – a critical lack of data and statistics. Within Europe, for instance, the mainstream discourse ranges from ‘colour blindness’, where social issues and inequality are presented largely as matters of class and geography; to varying degrees of commitment to multi-culturalism. The terms of this discourse is complicated by a reluctance to employ concepts concerning race and ethnicity. The absence of disaggregated data in many countries makes it difficult to identify the extent of the problem, and of the social and economic marginalization of people of African descent. It does not allow states and monitors to quantify the problem, to identify the factors of vulnerability and to use indicators to assess the evolution of the situation and the impact of measures taken.
The second challenge is the fact that the barriers to development cannot easily be isolated from one another. Poverty and under-development spring from the same vicious circle, where different structural issues are in interaction. Breaking this circle requires a comprehensive approach, and simultaneous action on different fronts. Socio-economic inequality is determined by a complex range of factors, manifested in many interconnected spheres, such as education, livelihoods, income, material assets, access to social services, influence and participation. It is necessary to look at how identities, social norms and structural factors intersect to create distinct patterns of experience. For many people of African descent, this interconnectedness forms the basis of their well-being: if disadvantage is experienced in one sphere, other areas are also likely to be affected.
These two challenges need to be fully taken into consideration and addressed by policy-makers, to ensure that development and other policies affecting people of African descent meet the SDG’s promise not to leave anyone behind.
|
{
"timestamp": "2019-04-18T18:21:00",
"url": "https://minorityrights.org/advocacy-statements/mrg-welcomes-work-key-issue-poverty-exclusion-development-people-african-descent/",
"language": "en",
"source": "c4"
}
|
Tassels are so much fun. They make everything so much more cushy and cozy just by hanging unpretentiously on their sides. Thing is, tassels don’t have to be multicoloured or have a bold bright hue to be exciting. Black tassels can be rather sophisticated by balancing a playful result with more elegance and style. For that matter, here are 6 diy projects involving black tassels you can try this weekend. Happy crafting!
P.s. 6 no-knit yarn diys.
|
{
"timestamp": "2019-04-26T02:19:55",
"url": "https://www.myparadissi.com/2015/06/diy-black-tassel-projects.html",
"language": "en",
"source": "c4"
}
|
HANOVER, MD: Ciena, a manufacturer of communications network equipment and solutions, unveils latest webscale networking solutions aimed at addressing the needs of cloud-oriented web-scale companies and applications, including new chipsets for its optical platforms, a new metro-focused software architecture and new solutions for high-bandwidth applications in their expanded portfolio.
The new products include 6500 T-Series Platform, Waveserver, DCI (data centre interconnect) Platform, Emolution Cloud and Blue Planet software.
6500 T-Series platform exhibits how it efficiently addresses next generation metro and regional requirements by extending the flexibility and programmability of Ciena’s market-leading 6500 to new, higher density, multi-Terabit shelfconfigurations.
Emulation Cloud shows how it helps accelerate deployments by allowing service providers and third party developers to create, test and fine-tune customized applications without hardware investment.
Blue Planet multi domain service orchestration includes the ability to streamline the creation, automation and delivery of services across physical and virtual domains.
WaveLogic 3 Extreme features 4D-8QAM modulation on both the 6500 and Waveserver platforms, showcases innovative multi-dimensional coding techniques that improve system reach in addition to increasing traffic carrying capacity per wavelength.
WaveLogic Encryption features the simple-to-deploy MyCryptoTool dedicated end-user management portal that provides full control and remote access of all security parameters to the end customer.
PinPoint Portal Software increases service provider productivity by providing intuitive visualization of the network and clear localization of fiber faults, down to the street address.
|
{
"timestamp": "2019-04-26T12:26:27",
"url": "https://www.apacciooutlook.com/news/ciena-unveils-webscale-solutions-to-deliver-ultrahigh-bandwidth-applications-nwid-1504.html",
"language": "en",
"source": "c4"
}
|
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